Ohio Valley Banc (OVBC) 10-K 24 Mar 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Feb. 28, 2021	Jun. 30, 2020
Cover [Abstract]
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Central Index Key	0000894671
Current Fiscal Year End Date	--12-31
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Entity Address, State or Province	OH
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 Public Float			$ 97,451,268
Entity Common Stock, Shares Outstanding		4,787,446

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and noninterest-bearing deposits with banks	$ 14,989	$ 12,812
Interest-bearing deposits with banks	123,314	39,544
Total cash and cash equivalents	138,303	52,356
Certificates of deposit in financial institutions	2,500	2,360
Securities available for sale	112,322	105,318
Securities held to maturity (estimated fair value: 2020 - $10,344; 2019 - $12,404)	10,020	12,033
Restricted investments in bank stocks	7,506	7,506
Total loans	848,664	772,774
Less: Allowance for loan losses	(7,160)	(6,272)
Net loans	841,504	766,502
Premises and equipment, net	21,312	19,217
Premises and equipment held for sale, net	637	653
Other real estate owned, net	49	540
Accrued interest receivable	3,319	2,564
Goodwill	7,319	7,319
Other intangible assets, net	112	174
Bank owned life insurance and annuity assets	35,999	30,596
Operating lease right-of-use asset, net	880	1,053
Other assets	5,150	5,081
Total assets	1,186,932	1,013,272
Liabilities
Noninterest-bearing deposits	314,777	222,607
Interest-bearing deposits	678,962	598,864
Total deposits	993,739	821,471
Other borrowed funds	27,863	33,991
Subordinated debentures	8,500	8,500
Operating lease liability	880	1,053
Accrued liabilities	19,626	20,078
Total liabilities	1,050,608	885,093
Commitments and Contingent Liabilities (See Note L)
Shareholders' Equity
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2020 - 5,447,185 shares issued; 2019 - 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	92,988	86,751
Accumulated other comprehensive income	2,436	528
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	136,324	128,179
Total liabilities and shareholders' equity	$ 1,186,932	$ 1,013,272

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Securities held to maturity, fair value	$ 10,344	$ 12,404
Shareholders' Equity
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,447,185	5,447,185
Treasury stock, shares (in shares)	659,739	659,739

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest and dividend income:
Loans, including fees	$ 43,204	$ 45,766	$ 44,365
Securities:
Taxable	2,164	2,542	2,377
Tax exempt	286	344	369
Dividends	245	393	440
Interest-bearing deposits with banks	226	1,221	1,608
Other interest	48	51	38
Total interest and dividend income	46,173	50,317	49,197
Interest expense:
Deposits	5,254	6,026	4,155
Other borrowed funds	729	883	986
Subordinated debentures	208	356	330
Total interest expense	6,191	7,265	5,471
Net interest income	39,982	43,052	43,726
Provision for loan losses	2,980	1,000	1,039
Net interest income after provision for loan losses	37,002	42,052	42,687
Noninterest income:
Service charges on deposit accounts	1,685	2,118	2,084
Trust fees	257	264	263
Income from bank owned life insurance and annuity assets	820	704	717
Mortgage banking income	1,254	310	342
Electronic refund check / deposit fees	0	5	1,579
Debit / credit card interchange income	4,031	3,905	3,662
Loss on other real estate owned	(35)	(65)	(559)
Net gain on branch divestitures	0	1,256	0
Tax preparation fees	644	0	0
Litigation settlement	2,000	0	0
Other	782	669	850
Total noninterest income	11,438	9,166	8,938
Noninterest expense:
Salaries and employee benefits	21,636	23,524	22,191
Occupancy	1,817	1,771	1,754
Furniture and equipment	1,096	1,060	1,023
Professional fees	1,519	2,508	2,016
Marketing expense	613	841	777
FDIC insurance	165	113	447
Data processing	2,170	1,996	2,115
Software	1,454	1,705	1,533
Foreclosed assets	128	266	238
Amortization of intangibles	62	206	135
Other	5,473	5,508	5,197
Total noninterest expense	36,133	39,498	37,426
Income before income taxes	12,307	11,720	14,199
Provision for income taxes	2,048	1,813	2,255
NET INCOME	$ 10,259	$ 9,907	$ 11,944
Earnings per share (in dollars per share)	$ 2.14	$ 2.08	$ 2.53

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
NET INCOME	$ 10,259	$ 9,907	$ 11,944
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	2,415	3,371	(1,373)
Related tax (expense) benefit	(507)	(708)	289
Total other comprehensive income (loss), net of tax	1,908	2,663	(1,084)
Total comprehensive income	$ 12,167	$ 12,570	$ 10,860

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member]Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Treasury Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]
Balances at Dec. 31, 2017	$ 5,362	$ 47,895	$ 72,694	$ (878)	$ (15,712)	$ 109,361
Balances (Accounting Standards Update 2018-02 [Member]) at Dec. 31, 2017							$ 0	$ 0	$ 173	$ (173)	$ 0	$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	11,944	0	0	11,944
Other comprehensive income (loss), net	0	0	0	(1,084)	0	(1,084)
Common stock issued to ESOP	7	288	0	0	0	295
Common stock issued through dividend reinvestment	31	1,294	0	0	0	1,325
Cash dividends	0	0	(3,967)	0	0	(3,967)
Balances at Dec. 31, 2018	5,400	49,477	80,844	(2,135)	(15,712)	117,874
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	9,907	0	0	9,907
Other comprehensive income (loss), net	0	0	0	2,663	0	2,663
Common stock issued to ESOP	8	320	0	0	0	328
Common stock issued through dividend reinvestment	39	1,368	0	0	0	1,407
Cash dividends	0	0	(4,000)	0	0	(4,000)
Balances at Dec. 31, 2019	5,447	51,165	86,751	528	(15,712)	128,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	10,259	0	0	10,259
Other comprehensive income (loss), net	0	0	0	1,908	0	1,908
Common stock issued to ESOP						0
Cash dividends	0	0	(4,022)	0	0	(4,022)
Balances at Dec. 31, 2020	$ 5,447	$ 51,165	$ 92,988	$ 2,436	$ (15,712)	$ 136,324

CCONSOLIDATED STATEMENTS OF CHA

CCONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Abstract]
Common stock issued to ESOP, shares (in shares)	0	8,333	7,294
Common stock issued through dividend reinvestment, shares (in shares)		38,787	30,766
Cash dividends, per share (in dollars per share)	$ 0.84	$ 0.84	$ 0.84

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities:
Net income	$ 10,259	$ 9,907	$ 11,944
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment	1,341	1,183	1,141
Net (accretion) of purchase accounting adjustments	(42)	(494)	(188)
Net amortization of securities	459	173	260
Proceeds from sale of loans in secondary market	40,158	9,840	11,034
Loans disbursed for sale in secondary market	(38,904)	(9,530)	(10,692)
Amortization of mortgage servicing rights	126	68	55
Impairment of mortgage servicing rights	11	0	0
Gain on sale of loans	(1,391)	(378)	(397)
Amortization of intangible assets	62	206	135
Deferred tax (benefit) expense	12	367	(134)
Provision for loan losses	2,980	1,000	1,039
Common stock issued to ESOP	0	328	295
Earnings on bank owned life insurance and annuity assets	(820)	(704)	(717)
Loss on sale of other real estate owned	35	57	21
Net write-down of other real estate owned	0	8	538
Net gain on branch divestitures	0	(1,256)	0
Change in accrued interest receivable	(755)	74	(135)
Change in accrued liabilities	(632)	2,376	1,946
Change in other assets	(408)	1,528	1,996
Net cash provided by operating activities	12,491	14,753	18,141
Cash flows from investing activities:
Payments related to branch divestitures	0	(26,326)	0
Proceeds from maturities and paydowns of securities available for sale	36,154	20,199	21,139
Purchases of securities available for sale	(41,162)	(20,126)	(23,757)
Proceeds from calls and maturities of securities held to maturity	2,694	3,754	1,711
Purchases of securities held to maturity	(721)	0	0
Proceeds from maturities of certificates of deposit in financial institutions	980	0	0
Purchases of certificates of deposit in financial institutions	(1,120)	(295)	(245)
Net change in loans	(78,038)	2,323	(9,981)
Proceeds from sale of other real estate owned	548	392	1,132
Purchases of premises and equipment	(3,450)	(6,232)	(2,725)
Disposals of premises and equipment	13	402	0
Purchases of bank owned life insurance and annuity assets	(4,583)	(500)	0
Net cash provided by (used in) investing activities	(88,685)	(26,409)	(12,726)
Cash flows from financing activities:
Change in deposits	172,290	1,147	(9,930)
Proceeds from common stock through dividend reinvestment	0	1,407	1,325
Cash dividends	(4,022)	(4,000)	(3,967)
Proceeds from Federal Home Loan Bank borrowings	0	0	8,000
Repayment of Federal Home Loan Bank borrowings	(5,093)	(3,676)	(3,162)
Change in other long-term borrowings	(405)	(2,046)	(989)
Change in other short-term borrowings	(629)	0	(85)
Net cash provided by (used in) by financing activities	162,141	(7,168)	(8,808)
Cash and cash equivalents:
Change in cash and cash equivalents	85,947	(18,824)	(3,393)
Cash and cash equivalents at beginning of year	52,356	71,180	74,573
Cash and cash equivalents at end of year	138,303	52,356	71,180
Supplemental disclosure:
Cash paid for interest	6,681	6,931	5,008
Cash paid for income taxes	2,050	890	2,050
Transfers from loans to other real estate owned	92	570	547
Initial recognition of operating lease right-of-use asset	0	1,280	0
Operating lease liability arising from obtaining right-of-use asset	$ 0	$ 1,280	$ 0

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note A - Summary of Significant Accounting Policies Description of Business: The Company provides a full range of commercial and retail banking services from 21 offices located in southeastern Ohio and western West Virginia. It accepts deposits in checking, savings, time and money market accounts and makes personal, commercial, floor plan, student, construction and real estate loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from business operations. The Company also offers safe deposit boxes, wire transfers and other standard banking products and services. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (“FDIC”). In addition to accepting deposits and making loans, the Bank invests in U. S. Government and agency obligations, interest-bearing deposits in other financial institutions and investments permitted by applicable law. The Bank’s trust department provides a wide variety of fiduciary services for trusts, estates and benefit plans and also provides investment and security services as an agent for its customers. Principles of Consolidation: Industry Segment Information: Use of Estimates: Cash and Cash Equivalents: Certificates of deposit in financial institutions: Securities: Premium amortization is deducted from, and discount accretion is added to, interest income on securities using the level yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses are recognized upon the sale of specific identified securities on the completed trade date. Other-Than-Temporary Impairments of Securities: When an OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current-period credit loss. If an entity intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current-period credit loss, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current-period loss, the OTTI shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. Restricted Investments in Bank Stocks: Loans: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 days or over unless the loan is well-secured or in process of collection. 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 or interest is considered doubtful. Nonaccrual loans and loans past due 90 days or over and still accruing include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis 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. The Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of December 31, 2020, there were $70 in loans held for sale by the Bank, as compared to no loans held for sale at December 31, 2019. Allowance for Loan Losses: The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. 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 and reasons for the delay, the borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed. Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers non-impaired loans and impaired loans that are not individually reviewed for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 years for the consumer and real estate portfolio segment and 5 years for the commercial portfolio segment. The total loan portfolio’s actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not maintain their value upon foreclosure, which may require the Company to write down the value significantly to sell. Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner- occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1-4 family residential properties. Construction loans are extended to individuals as well as corporations for the construction of an individual or multiple properties and are secured by raw land and the subsequent improvements. Repayment of the loans to real estate developers is dependent upon the sale of properties to third parties in a timely fashion upon completion. Should there be delays in construction or a downturn in the market for those properties, there may be significant erosion in value which may be absorbed by the Company. Residential real estate loans consist of loans to individuals for the purchase of 1-4 family primary residences with repayment primarily through wage or other income sources of the individual borrower. The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured. These loans typically have maturities of 6 years or less with repayment dependent on individual wages and income. The risk of loss on consumer loans is elevated as the collateral securing these loans, if any, rapidly depreciate in value or may be worthless and/or difficult to locate if repossession is necessary. The Company has allocated the highest percentage of its allowance for loan losses as a percentage of loans to the other identified loan portfolio segments due to the larger dollar balances associated with such portfolios. At December 31, 2020, there were no changes to the accounting policies or methodologies within any of the Company’s loan portfolio segments from the prior period. Concentrations of Credit Risk: The following represents the composition of the Company’s loan portfolio as of December 31: % of Total Loans 2020 2019 Residential real estate loans 36.00 % 40.15 % Commercial real estate loans 29.86 % 28.75 % Consumer loans 15.56 % 18.16 % Commercial and industrial loans 18.58 % 12.94 % 100.00 % 100.00 % Approximately 4.22% of total loans were unsecured at December 31, 2020, down from 5.00% at December 31, 2019. The Bank, in the normal course of its operations, conducts business with correspondent financial institutions. Balances in correspondent accounts, investments in federal funds, certificates of deposit and other short-term securities are closely monitored to ensure that prudent levels of credit and liquidity risks are maintained. At December 31, 2020, the Bank’s primary correspondent balance was $121,148 on deposit at the FRB, Cleveland, Ohio. Premises and Equipment: Foreclosed assets: Goodwill: Long-term Assets: Mortgage Servicing Rights: Earnings Per Share: Income Taxes: A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters in income tax expense. Comprehensive Income: Loss Contingencies: Bank Owned Life Insurance and Annuity Assets Employee Stock Ownership Plan: Dividend Reinvestment Plan: Loan Commitments and Related Financial Instruments: Dividend Restrictions: Restrictions on Cash: Derivatives: Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. At December 31, 2020 and 2019, the Company’s only derivatives on hand were interest rate swaps, which are classified as stand-alone derivatives. See Note H for more specific disclosures related to interest rate swaps. Fair Value of Financial Instruments: Reclassifications: Current Events: The continued financial impact of COVID-19 depends largely on the actions taken by governmental authorities and other third parties. In addition, COVID-19 may continue to adversely impact several industries within our geographic footprint for some time and impair the ability of our customers to fulfill their contractual obligations to the Company. This could result in a material adverse effect on our business operations, asset valuations, liquidity, financial condition, and results of operations. Effects may include: ● Increased provision for loan losses. Continued uncertainty regarding the severity and duration of COVID-19 and related economic effects will continue to affect the accounting for loan losses. It also is possible that asset quality could worsen, and that loan charge-offs could increase. The Company is actively participating in the providing loans to small businesses negatively impacted by COVID-19. PPP loans are fully guaranteed by the U.S. government, and if that should change, the Company could be required to increase its allowance for loan losses through an additional provision for loan losses charged to earnings. ● Valuation and fair value measurement challenges. Material adverse impacts of COVID-19 may result in valuation impairments on the Company’s securities, impaired loans, goodwill, other real estate owned, and interest rate swap agreements. Adoption of New Accounting Standard Updates (“ASU”): In January 2017, the FASB amended ASU 2017-04, Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill. The amendment was to simplify the goodwill impairment measurement test by eliminating Step 2. The amendment requires the Company to perform the goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount and recognizing an impairment charge for the amount by which the carrying amount exceeds the fair value. Additionally, an entity should consider the tax effects from any tax deductible goodwill on the carrying amount when measuring the impairment loss. This amendment is effective for public business entities for reporting periods beginning after December 15, 2019, including interim periods within that reporting period. Accounting Guidance to be Adopted in Future Periods:

Securities

Securities	12 Months Ended
	Dec. 31, 2020
Securities [Abstract]
Securities	Note B - Securities The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at December 31, 2020 and 2019 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities Available for Sale December 31, 2020 U.S. Government sponsored entity securities $ 17,814 $ 339 $ ---- $ 18,153 Agency mortgage-backed securities, residential 91,425 2,748 (4 ) 94,169 Total securities $ 109,239 $ 3,087 $ (4 ) $ 112,322 December 31, 2019 U.S. Government sponsored entity securities $ 16,579 $ 163 $ (6 ) $ 16,736 Agency mortgage-backed securities, residential 88,071 807 (296 ) 88,582 Total securities $ 104,650 $ 970 $ (302 ) $ 105,318 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Securities Held to Maturity December 31, 2020 Obligations of states and political subdivisions $ 10,018 $ 324 $ ---- $ 10,342 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 10,020 $ 324 $ ---- $ 10,344 December 31, 2019 Obligations of states and political subdivisions $ 12,031 $ 372 $ (1 ) $ 12,402 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 12,033 $ 372 $ (1 ) $ 12,404 At year-end 2020 and 2019, there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of shareholders’ equity. There were no sales of debt securities during 2020, 2019 and 2018. Securities with a carrying value of approximately $83,344 at December 31, 2020 and $78,418 at December 31, 2019 were pledged to secure public deposits and repurchase agreements and for other purposes as required or permitted by law. Unrealized losses on the Company’s debt securities have not been recognized into income because the issuers’ securities are of high credit quality as of December 31, 2020, and management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery. Management does not believe any individual unrealized loss at December 31, 2020 and 2019 represents an OTTI. The amortized cost and estimated fair value of debt securities at December 31, 2020, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers may have the right to call or prepay the debt obligations prior to their contractual maturities. Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 4,599 $ 4,612 $ 2,016 $ 2,048 Due in one to five years 8,215 8,531 4,107 4,276 Due in five to ten years 5,000 5,010 3,895 4,018 Agency mortgage-backed securities, residential 91,425 94,169 2 2 Total debt securities $ 109,239 $ 112,322 $ 10,020 $ 10,344 The following table summarizes securities with unrealized losses at December 31, 2020 and December 31, 2019, aggregated by major security type and length of time in a continuous unrealized loss position: December 31, 2020 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities, residential $ 14,517 $ (4 ) $ ---- $ ---- $ 14,517 $ (4 ) Total available for sale $ 14,517 $ (4 ) $ ---- $ ---- $ 14,517 $ (4 ) December 31, 2019 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government sponsored entity securities $ ---- $ ---- $ 1,999 $ (6 ) $ 1,999 $ (6 ) Agency mortgage-backed securities, residential 15,041 (84 ) 21,344 (212 ) 36,385 (296 ) Total available for sale $ 15,041 $ (84 ) $ 23,343 $ (218 ) $ 38,384 $ (302 ) Less than 12 Months 12 Months or More Total Securities Held to Maturity Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Obligations of states and political subdivisions $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 )

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2020
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	Note C - Loans and Allowance for Loan Losses Loans are comprised of the following at December 31: 2020 2019 Residential real estate $ 305,478 $ 310,253 Commercial real estate: Owner-occupied 51,863 55,825 Nonowner-occupied 164,523 131,398 Construction 37,063 34,913 Commercial and industrial 157,692 100,023 Consumer: Automobile 55,241 63,770 Home equity 19,993 22,882 Other 56,811 53,710 848,664 772,774 Less: Allowance for loan losses (7,160 ) (6,272 ) Loans, net $ 841,504 $ 766,502 Commercial and industrial loans include $27,933 of loans originated under the PPP at December 31, 2020. These loans are guaranteed by the SBA. The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2020, 2019 and 2018: December 31, 2020 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 413 946 443 1,178 2,980 Loans charged off (340 ) (559 ) (185 ) (1,949 ) (3,033 ) Recoveries 157 116 71 597 941 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 98 (1,745 ) 1,807 840 1,000 Loans charged off (1,060 ) (602 ) (1,513 ) (1,917 ) (5,092 ) Recoveries 629 2,089 90 828 3,636 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 December 31, 2018 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 Provision for loan losses 772 (1,311 ) (80 ) 1,658 1,039 Loans charged off (874 ) (4 ) (208 ) (2,514 ) (3,600 ) Recoveries 215 523 327 725 1,790 Total ending allowance balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of December 31, 2020 and 2019: December 31, 2020 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ ---- $ ---- $ ---- $ ---- Collectively evaluated for impairment 1,480 2,431 1,776 1,473 7,160 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Loans: Loans individually evaluated for impairment $ 411 $ 5,845 $ 4,686 $ 84 $ 11,026 Loans collectively evaluated for impairment 305,067 247,604 153,006 131,961 837,638 Total ending loans balance $ 305,478 $ 253,449 $ 157,692 $ 132,045 $ 848,664 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 385 $ 303 $ 119 $ 807 Collectively evaluated for impairment 1,250 1,543 1,144 1,528 5,465 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Loans: Loans individually evaluated for impairment $ 438 $ 11,300 $ 4,910 $ 487 $ 17,135 Loans collectively evaluated for impairment 309,815 210,836 95,113 139,875 755,639 Total ending loans balance $ 310,253 $ 222,136 $ 100,023 $ 140,362 $ 772,774 The following table presents information related to loans individually evaluated for impairment by class of loans as of the years ended December 31, 2020, 2019 and 2018: December 31, 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: $ ---- $ ---- $ ---- $ ---- $ ---- $ ---- With no related allowance recorded: Residential real estate 418 411 ---- 423 21 21 Commercial real estate: Owner-occupied 5,256 5,256 ---- 3,417 260 260 Nonowner-occupied 632 589 ---- 626 29 29 Commercial and industrial 4,686 4,686 ---- 3,772 196 196 Consumer: Home equity 34 34 ---- 28 2 2 Other 50 50 ---- 10 2 2 Total $ 11,076 $ 11,026 $ ---- $ 8,276 $ 510 $ 510 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 2,030 $ 2,030 $ 385 $ 1,375 $ 197 $ 197 Commercial and industrial 4,861 4,861 303 4,796 319 319 Consumer: Automobile 8 8 8 2 ---- ---- Other 111 111 111 22 9 9 With no related allowance recorded: Residential real estate 438 438 ---- 453 23 23 Commercial real estate: Owner-occupied 1,778 1,778 ---- 1,902 113 113 Nonowner-occupied 7,492 7,492 ---- 6,160 477 477 Commercial and industrial 49 49 ---- 300 111 111 Consumer: Home equity 368 368 ---- 143 19 19 Total $ 17,135 $ 17,135 $ 807 $ 15,153 $ 1,268 $ 1,268 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Nonowner-occupied $ 362 $ 362 $ 98 $ 367 $ 15 $ 15 With no related allowance recorded: Residential real estate 1,667 1,667 ---- 511 101 101 Commercial real estate: Owner-occupied 2,527 2,527 ---- 2,475 141 141 Nonowner-occupied 2,368 946 ---- 1,912 57 57 Construction 336 ---- ---- ---- 20 20 Commercial and industrial 7,116 7,116 ---- 5,802 414 414 Total $ 14,376 $ 12,618 $ 98 $ 11,067 $ 748 $ 748 The recorded investment of a loan is its carrying value excluding accrued interest and deferred loan fees. Nonaccrual loans and loans past due 90 days or more and still accruing include both smaller balance homogenous loans that are collectively evaluated for impairment and individually classified as impaired loans. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of December 31, 2020 and December 31, 2019, other real estate owned for residential real estate properties totaled $43 and $68, respectively. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $1,097 and $1,780 as of December 31, 2020 and December 31, 2019, respectively. The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of December 31, 2020 and 2019: Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2020 Residential real estate $ 127 $ 5,256 Commercial real estate: Owner-occupied ---- 205 Nonowner-occupied ---- 362 Construction ---- 156 Commercial and industrial 15 149 Consumer: Automobile 146 129 Home equity ---- 210 Other 136 36 Total $ 424 $ 6,503 Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2019 Residential real estate $ 255 $ 6,119 Commercial real estate: Owner-occupied ---- 863 Nonowner-occupied ---- 804 Construction ---- 229 Commercial and industrial ---- 590 Consumer: Automobile 239 61 Home equity ---- 392 Other 395 91 Total $ 889 $ 9,149 The following table presents the aging of the recorded investment of past due loans by class of loans as of December 31, 2020 and 2019: December 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,845 $ 496 $ 1,663 $ 5,004 $ 300,474 $ 305,478 Commercial real estate: Owner-occupied 470 1003 193 1,666 50,197 51,863 Nonowner-occupied 94 ---- 362 456 164,067 164,523 Construction ---- 82 ---- 82 36,981 37,063 Commercial and industrial 1,112 11 164 1,287 156,405 157,692 Consumer: Automobile 831 131 258 1,220 54,021 55,241 Home equity 204 81 113 398 19,595 19,993 Other 446 76 172 694 56,117 56,811 Total $ 6,002 $ 1,880 $ 2,925 $ 10,807 $ 837,857 $ 848,664 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 4,015 $ 1,314 $ 1,782 $ 7,111 $ 303,142 $ 310,253 Commercial real estate: Owner-occupied 383 59 144 586 55,239 55,825 Nonowner-occupied 12 ---- 697 709 130,689 131,398 Construction 186 19 49 254 34,659 34,913 Commercial and industrial 1,320 312 241 1,873 98,150 100,023 Consumer: Automobile 986 329 246 1,561 62,209 63,770 Home equity 106 18 279 403 22,479 22,882 Other 559 139 443 1,141 52,569 53,710 Total $ 7,567 $ 2,190 $ 3,881 $ 13,638 $ 759,136 $ 772,774 Troubled Debt Restructurings: A troubled debt restructuring (“TDR”) occurs when the Company has agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. All TDRs are considered to be impaired. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a reduction in the contractual principal and interest payments of the loan; or short-term interest-only payment terms. The Company has allocated reserves for a portion of its TDRs to reflect the fair values of the underlying collateral or the present value of the concessionary terms granted to the customer. The following table presents the types of TDR loan modifications by class of loans as of December 31, 2020 and December 31, 2019: TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2020 Residential real estate: Interest only payments $ 202 $ ---- $ 202 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1,486 ---- 1,486 Maturity extension at lower stated rate than market rate 351 ---- 351 Credit extension at lower stated rate than market rate 384 ---- 384 Nonowner-occupied Credit extension at lower stated rate than market rate 390 ---- 390 Commercial and industrial Interest only payments 4,400 ---- 4,400 Total TDRs $ 7,213 $ ---- $ 7,213 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2019 Residential real estate: Interest only payments $ 209 $ ---- $ 209 Commercial real estate: Owner-occupied Interest only payments 882 ---- 882 Reduction of principal and interest payments 1,521 ---- 1,521 Maturity extension at lower stated rate than market rate 393 ---- 393 Credit extension at lower stated rate than market rate 393 ---- 393 Nonowner-occupied Credit extension at lower stated rate than market rate 395 ---- 395 Commercial and industrial Interest only payments 4,574 ---- 4,574 Reduction of principal and interest payments 185 ---- 185 Total TDRs $ 8,552 $ ---- $ 8,552 At December 31, 2020, the balance in TDR loans decreased $1,339, or 15.7%, from year-end 2019. The Company had no specific allocations in reserves to customers whose loan terms have been modified in TDRs at December 31, 2020, as compared to $227 at December 31, 2019. At December 31, 2020, the Company had $1,100 in commitments to lend additional amounts to customers with outstanding loans that are classified as TDRs, as compared to $941 at December 31, 2019. There were no TDR loan modifications that occurred during the years ended December 31, 2020 and December 31, 2018. The following table present the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the year ended December 31, 2019: TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment December 31, 2019 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1 $ 1,036 $ 1,036 $ ---- $ ---- Commercial and industrial: Reduction of principal and interest payments 1 199 199 ---- ---- Total TDRs 2 $ 1,235 $ 1,235 $ ---- $ ---- The TDRs described above increased the provision expense and the allowance for loan losses by $185 during the year ended December 31, 2019, with no corresponding charge-offs. The Company had no TDRs that occurred during the year ended December 31, 2020 and December 31, 2019 that experienced any payment defaults within twelve months following their loan modification. During the twelve months ended December 31, 2018, a commercial real estate TDR totaling $362 became past due 90 days or more. A default is considered to have occurred once the TDR is past due 90 days or more or it has been placed on nonaccrual. TDR loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law on March 27, 2020 and provided guidance on the modification of loans as a result of COVID-19, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current under the CARES Act and related regulatory guidance if they are less than 30 days past due on their contractual payments at December 31, 2019, or at the time a modification program is implemented, respectively. As of December 31, 2020, the Company had 116 modified loans remaining that were related to COVID-19 with an aggregate loan balance of $7,287 that were not reported as TDRs in the tables presented above. The terms of certain other loans were modified during the years ended December 31, 2020 and 2019 that did not meet the definition of a TDR. These loans have a total recorded investment of $57,893 as of December 31, 2020 and $50,586 as of December 31, 2019. The modification of these loans primarily involved the modification of the terms of a loan to borrowers who were not experiencing financial difficulties. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. These risk categories are represented by a loan grading scale from 1 through 11. The Company analyzes loans individually with a higher credit risk rating and groups these loans into categories called “criticized” and ”classified” assets. The Company considers its criticized assets to be loans that are graded 8 and its classified assets to be loans that are graded 9 through 11. The Company’s risk categories are reviewed at least annually on loans that have aggregate borrowing amounts that meet or exceed $1,000. The Company uses the following definitions for its criticized Special Mention. The Company uses the following definitions for its classified Substandard. Doubtful. Loss. Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or re-evaluation date. As of December 31, 2020 and December 31, 2019, and based on the most recent analysis performed, the risk category of commercial loans by class of loans is as follows: December 31, 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 46,604 $ 669 $ 4,590 $ 51,863 Nonowner-occupied 160,324 3,629 570 164,523 Construction 37,063 ---- ---- 37,063 Commercial and industrial 150,786 2,064 4,842 157,692 Total $ 394,777 $ 6,362 $ 10,002 $ 411,141 December 31, 2019 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 49,486 $ 2,889 $ 3,450 $ 55,825 Nonowner-occupied 123,847 ---- 7,551 131,398 Construction 34,864 ---- 49 34,913 Commercial and industrial 89,749 298 9,976 100,023 Total $ 297,946 $ 3,187 $ 21,026 $ 322,159 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau) but not thereafter. The Company focuses mostly on the performance and repayment ability of the borrower as an indicator of credit risk and does not consider a borrower’s credit score to be a significant influence in the determination of a loan’s credit risk grading. For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on payment activity as of December 31, 2020 and December 31, 2019: Consumer December 31, 2020 Automobile Home Equity Other Residential Real Estate Total Performing $ 54,966 $ 19,783 $ 56,639 $ 300,095 $ 431,483 Nonperforming 275 210 172 5,383 6,040 Total $ 55,241 $ 19,993 $ 56,811 $ 305,478 $ 437,523 Consumer December 31, 2019 Automobile Home Equity Other Residential Real Estate Total Performing $ 63,470 $ 22,490 $ 53,224 $ 303,879 $ 443,063 Nonperforming 300 392 486 6,374 7,552 Total $ 63,770 $ 22,882 $ 53,710 $ 310,253 $ 450,615 The Company, through its subsidiaries, grants residential, consumer, and commercial loans to customers located primarily in the southeastern area of Ohio as well as the western counties of West Virginia. Approximately 4.22% of total loans were unsecured at December 31, 2020, down from 5.00% at December 31, 2019.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2020
Premises and Equipment [Abstract]
Premises and Equipment	Note D - Premises and Equipment Following is a summary of premises and equipment at December 31: 2020 2019 Land $ 2,719 $ 2,633 Buildings 22,081 20,890 Leasehold improvements 1,302 1,267 Furniture and equipment 8,892 6,847 34,994 31,637 Less accumulated depreciation 13,682 12,420 Total premises and equipment $ 21,312 $ 19,217 Following is a summary of premises and equipment held for sale at December 31: 2020 2019 Land $ 153 $ 153 Buildings 564 563 717 716 Less accumulated depreciation 80 63 Total premises and equipment held for sale $ 637 $ 653

Leases

Leases	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Leases	Note E – Leases The Company enters into leases in the normal course of business primarily for branch buildings and office space to conduct business. The Company’s leases have remaining terms ranging from 9 months to 16.5 years, some of which include options to extend the leases for up to 15 years. The Company includes lease extension and termination options in the lease term if, after considering relevant economic factors, it is reasonably certain the Company will exercise the option. In addition, the Company has elected to account for any non-lease components in its real estate leases as part of the associated lease component. The Company has also elected to not recognize leases with original lease terms of 12 months or less (short-term leases) on the Company’s balance sheet. Leases are classified as operating or finance leases at the lease commencement date. Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. ROU assets represent our right to use an underlying asset for the lease term and lease liabilities are recognized at the lease commencement date based on the estimated present value of lease payments over the lease term. At December 31, 2020, the Company did not have any finance leases. The Company’s operating lease ROU assets and operating lease liabilities are valued based on the present value of future minimum lease payments, discounted with an incremental borrowing rate for the same term as the underlying lease. The Company has one lease arrangement that contains variable lease payments that are adjusted periodically for an index. Upon adoption of the new lease guidance on January 1, 2019, an initial ROU asset of $1,280 was recognized as a non-cash asset addition to the consolidated balance sheet. Balance sheet information related to leases was as follows: December 31, 2020 December 31, 2019 Operating leases: Operating lease right-of-use assets $ 880 $ 1,053 Operating lease liabilities 880 1,053 The components of lease cost were as follows for the year ending: December 31, 2020 December 31, 2019 Operating lease cost $ 170 $ 282 Short-term lease expense 31 52 Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2020 are as follows: Operating Leases 2021 $ 157 2022 157 2023 116 2024 95 2025 94 Thereafter 452 Total lease payments 1,071 Less: Imputed Interest (191 ) Total operating leases $ 880 Other information was as follows: December 31, 2020 December 31, 2019 Weighted-average remaining lease term for operating leases 9.6 years 10.6 years Weighted-average discount rate for operating leases 2.79 % 2.76 %

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets [Abstract]
Goodwill and Intangible Assets	Note F – Goodwill and Intangible Assets Goodwill: 2020 2019 2018 Beginning of year $ 7,319 $ 7,371 $ 7,371 Finalization of Milton branch sale ---- (52 ) ---- End of year $ 7,319 $ 7,319 $ 7,371 Impairment exists when a reporting unit’s carrying value of goodwill exceeds its fair value. During 2020, the general economic conditions the Company operates in had trended from generally stable to somewhat challenged in relation to the pandemic. At December 31, 2020, the Company’s reporting unit remained profitable and had positive equity. However, earnings for 2020 had been negatively impacted by adding general reserves to the allowance in relation to the pandemic and to a lower net interest margin in relation to the first quarter rate cuts. As a result, the Company’s stock price experienced a decrease in value during 2020, and was trading below book value at December 31, 2020. Given the economic outlook, the challenge of growing earnings going forward in this environment, and the Company’s stock price trading below book value, management could not conclude that evidence provided by a qualitative assessment would support that it would be more likely than not the fair value of goodwill is more than the carrying amount. Therefore, the Company proceeded to complete the quantitative impairment test. The quantitative impairment test includes comparing the carrying value of the reporting unit, including the existing goodwill and intangible assets, to the fair value of the reporting unit. If the carrying amount of the reporting unit exceeds its fair value, a goodwill impairment charge is recorded for the amount in which the carrying value of the reporting unit exceeds the fair value of the reporting unit, up to the amount of goodwill attributed to the reporting unit. After performing the quantitative testing, it was determined that the reporting unit’s fair value exceeded the reporting unit’s carrying value, resulting in no impairment for the year ended December 31, 2020. At December 31, 2019, the Company’s reporting unit had positive equity and the Company elected to perform a qualitative assessment to determine if it was more likely than not that fair value of the reporting unit exceeded its carrying value, including goodwill. The qualitative assessment indicated that it is more likely than not that fair value of goodwill is more than the carrying value, resulting in no impairment for the year ended December 31, 2019. Therefore, the Company did not proceed to step one of the annual goodwill impairment testing requirement. Acquired intangible assets: 2020 2019 Gross Carrying Amount Accumulated Amortization Gross Amount Accumulated Amortization Amortized intangible assets: Core deposit intangibles $ 738 $ 626 $ 738 $ 564 Aggregate amortization expense was $62 for 2020, $206 for 2019 and $135 for 2018. Estimated amortization expense for each of the next five years: 2021 $ 48 2022 35 2023 21 2024 8 2025 ---- Total $ 112

Deposits

Deposits	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Deposits	Note G - Deposits Following is a summary of interest-bearing deposits at December 31: 2020 2019 NOW accounts $ 185,364 $ 158,434 Savings and Money Market 286,937 230,672 Time: In denominations of $250,000 or less 165,834 175,334 In denominations of more than $250,000 40,827 34,424 Total time deposits 206,661 209,758 Total interest-bearing deposits $ 678,962 $ 598,864 Following is a summary of total time deposits by remaining maturity at December 31, 2020: 2021 $ 136,634 2022 51,677 2023 13,727 2024 3,289 2025 1,147 Thereafter 187 Total $ 206,661 Brokered deposits, included in time deposits, were $18,834 and $25,797 at December 31, 2020 and 2019, respectively.

Interest Rate Swaps

Interest Rate Swaps	12 Months Ended
	Dec. 31, 2020
Interest Rate Swaps [Abstract]
Interest Rate Swaps	Note H - Interest Rate Swaps The Company manages economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of its assets and liabilities. The Company utilizes interest rate swap agreements as part of its asset/liability management strategy to help manage its interest rate risk position. As part of this strategy, the Company provides its customer with a fixed-rate loan while creating a variable-rate asset for the Company by the customer entering into an interest rate swap with the Company on terms that match the loan. The Company offsets its risk exposure by entering into an offsetting interest rate swap with an unaffiliated institution. These interest rate swaps do not qualify as designated hedges; therefore, each swap is accounted for as a standalone derivative. At December 31, 2020, the Company had interest rate swaps associated with commercial loans with a notional value of $10,967 and a fair value of $913. This is compared to interest rate swaps with a notional value of $7,633 and a fair value of $459 at December 31, 2019. The notional amount of the interest rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreement. To further offset the risk exposure related to market value fluctuations of its interest rate swaps, the Company maintains collateral deposits on hand with a third-party correspondent, which totaled $1,250 at December 31, 2020 and $750 at December 31, 2019.

Other Borrowed Funds

Other Borrowed Funds	12 Months Ended
	Dec. 31, 2020
Other Borrowed Funds [Abstract]
Other Borrowed Funds	Note I - Other Borrowed Funds Other borrowed funds at December 31, 2020 and 2019 are comprised of advances from the FHLB of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals 2020 $ 24,665 $ 3,198 $ 27,863 2019 $ 29,758 $ 4,233 $ 33,991 Pursuant to collateral agreements with the FHLB, advances are secured by $297,281 in qualifying mortgage loans, $57,457 in commercial loans and $5,365 in FHLB stock at December 31, 2020. Fixed-rate FHLB advances of $24,665 mature through 2042 and have interest rates ranging from 1.53% to 3.31% and a year-to-date weighted average cost of 2.40% and 2.39% at December 31, 2020 and 2019, respectively. There were no variable-rate FHLB borrowings at December 31, 2020. At December 31, 2020, the Company had a cash management line of credit enabling it to borrow up to $100,000 from the FHLB. All cash management advances have an original maturity of 90 days. The line of credit must be renewed on an annual basis. There was $100,000 available on this line of credit at December 31, 2020. Based on the Company’s current FHLB stock ownership, total assets and pledgeable loans, the Company had the ability to obtain borrowings from the FHLB up to a maximum of $204,060 at December 31, 2020. Of this maximum borrowing capacity of $204,060, the Company had $102,656 available to use as additional borrowings, of which $100,000 could be used for short-term, cash management advances, as mentioned above. Promissory notes, issued primarily by Ohio Valley, are due at various dates through a final maturity date of December 9, 2021, and have fixed rates ranging from 1.00% to 2.85% and a year-to-date weighted average cost of 2.20% at December 31, 2020, as compared to 2.73% at December 31, 2019. At December 31, 2020, there were six promissory notes payable by Ohio Valley to related parties totaling $3,198. See Note M for further discussion of related party transactions. There were no Promissory notes payable to other banks at December 31, 2020, as compared to $405 at December 31, 2019. Letters of credit issued on the Bank’s behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $76,740 at December 31, 2020 and $56,500 at December 31, 2019. Scheduled principal payments over the next five years: FHLB Borrowings Promissory Notes Totals 2021 $ 3,134 $ 3,198 $ 6,332 2022 2,683 ---- 2,683 2023 2,542 ---- 2,542 2024 2,173 ---- 2,173 2025 1,897 ---- 1,897 Thereafter 12,236 ---- 12,236 $ 24,665 $ 3,198 $ 27,863

Subordinated Debentures and Tru

Subordinated Debentures and Trust Preferred Securities	12 Months Ended
	Dec. 31, 2020
Subordinated Debentures and Trust Preferred Securities [Abstract]
Subordinated Debentures and Trust Preferred Securities	Note J - Subordinated Debentures and Trust Preferred Securities On March 22, 2007, a trust formed by Ohio Valley issued $8,500 of adjustable-rate trust preferred securities as part of a pooled offering of such securities. The rate on these trust preferred securities was fixed at 6.58% for five years, and then converted to a floating-rate term on March 15, 2012, based on a rate equal to the 3-month LIBOR plus 1.68%. The interest rate on these trust preferred securities was 1.90% at December 31, 2020 and 3.57% at December 31, 2019. There were no debt issuance costs incurred with these trust preferred securities. The Company issued subordinated debentures to the trust in exchange for the proceeds of the offering. The subordinated debentures must be redeemed no later than June 15, 2037. Under the provisions of the related indenture agreements, the interest payable on the trust preferred securities is deferrable for up to five years and any such deferral is not considered a default. During any period of deferral, the Company would be precluded from declaring or paying dividends to shareholders or repurchasing any of the Company’s common stock. Under generally accepted accounting principles, the trusts are not consolidated with the Company. Accordingly, the Company does not report the securities issued by the trust as liabilities, and instead reports as liabilities the subordinated debentures issued by the Company and held by the trust. Since the Company’s equity interest in the trusts cannot be received until the subordinated debentures are repaid, these amounts have been netted. The subordinated debentures may be included in Tier 1 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
Income Taxes [Abstract]
Income Taxes	Note K - Income Taxes The provision for income taxes consists of the following components: 2020 2019 2018 Current tax expense $ 2,036 $ 1,446 $ 2,389 Deferred tax (benefit) expense 12 367 (134 ) Total income taxes $ 2,048 $ 1,813 $ 2,255 The source of deferred tax assets and deferred tax liabilities at December 31: 2020 2019 Items giving rise to deferred tax assets: Allowance for loan losses $ 1,557 $ 1,364 Deferred compensation 1,822 1,700 Deferred loan fees/costs 136 110 Other real estate owned 1 4 Accrued bonus 212 204 Purchase accounting adjustments 18 24 Net operating loss 99 115 Lease liability 235 274 Other 339 346 Items giving rise to deferred tax liabilities: Mortgage servicing rights (100 ) (77 ) FHLB stock dividends (676 ) (676 ) Unrealized gain on securities available for sale (647 ) (140 ) Prepaid expenses (202 ) (182 ) Depreciation and amortization (894 ) (579 ) Right-of-use asset (235 ) (274 ) Other ---- ---- Net deferred tax asset $ 1,665 $ 2,213 The Company determined that it was not required to establish a valuation allowance for deferred tax assets since management believes that the deferred tax assets are likely to be realized through the future reversals of existing taxable temporary differences, deductions against forecasted income and tax planning strategies. At December 31, 2020, the Company’s deferred tax asset related to Section 382 net operating loss carryforwards was $471, which will expire in 2026. The difference between the financial statement tax provision and amounts computed by applying the statutory federal income tax rate of 21% to income before taxes is as follows: 2020 2019 2018 Statutory tax $ 2,584 $ 2,461 $ 2,982 Effect of nontaxable interest (348 ) (336 ) (352 ) Effect of nontaxable insurance premiums (210 ) (212 ) (218 ) Income from bank owned insurance, net (161 ) (141 ) (142 ) Effect of postretirement benefits 124 54 20 Effect of state income tax 125 100 33 Tax credits (102 ) (145 ) (217 ) Other items 36 32 149 Total income taxes $ 2,048 $ 1,813 $ 2,255 At December 31, 2020 and December 31, 2019, the Company had no unrecognized tax benefits. The Company does not expect the amount of unrecognized tax benefits to significantly change within the next twelve months. The Company did not recognize any interest and/or penalties related to income tax matters for the periods presented. The Company is subject to U.S. federal income tax as well as West Virginia state income tax. The Company is no longer subject to federal or state examination for years prior to 2017. The tax years 2017-2019 remain open to federal and state examinations.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2020
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	Note L - Commitments and Contingent Liabilities The Bank is a party to 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, standby letters of credit and financial guarantees. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, and financial guarantees written, is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for instruments recorded on the balance sheet. Following is a summary of such commitments at December 31: 2020 2019 Fixed rate $ 1,127 $ 660 Variable rate 83,956 70,561 Standby letters of credit 3,373 3,957 At December 31, 2020, the fixed-rate commitments have interest rates ranging from 2.50% to 6.25% and maturities ranging from 15 years to 30 years. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. During the years covered by these consolidated financial statements, the Company participated as a facilitator of tax refunds pursuant to a clearing agreement with a third-party tax refund product provider. The clearing agreement required the Bank to process electronic refund checks (“ERC’s”) and electronic refund deposits (“ERD’s”) presented for payment on behalf of taxpayers containing taxpayer refunds. The Bank received a fee paid by the third-party tax refund product provider for each transaction that is processed. In 2018, the third-party tax refund product provider ceased utilizing the services of the Bank. There are various contingent liabilities that are not reflected in the financial statements, including claims and legal actions arising in the ordinary course of business. In the opinion of management, after consultation with legal counsel, the ultimate disposition of these matters is not expected to have a material effect on financial condition or results of operations.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
Related Party Transactions	Note M - Related Party Transactions Certain directors, executive officers and companies with which they are affiliated were loan customers during 2020. A summary of activity on these borrower relationships with aggregate debt greater than $120 is as follows: Total loans at January 1, 2020 $ 3,974 New loans 54 Repayments (1,588 ) Other changes 289 Total loans at December 31, 2020 $ 2,729 Other changes include adjustments for loans applicable to one reporting period that are excludable from the other reporting period, such as changes in persons classified as directors, executive officers and companies’ affiliates. Deposits from principal officers, directors, and their affiliates at year-end 2020 and 2019 were $94,056 and $47,911. In addition, the Company had promissory notes outstanding with directors and their affiliates totaling $3,198 at year-end 2020 and $3,558 at year-end 2019. The interest rates ranged from 1.00% to 2.85%, with terms ranging from 10 to 24 months.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2020
Employee Benefits [Abstract]
Employee Benefits	Note N - Employee Benefits The Bank has a profit-sharing plan for the benefit of its employees and their beneficiaries. Contributions to the plan are determined by the Board of Directors of Ohio Valley. Contributions charged to expense were $242, $264, and $352 for 2020, 2019 and 2018. Ohio Valley maintains an Employee Stock Ownership Plan (“ESOP”) covering substantially all employees of the Company. Ohio Valley issues shares to the ESOP, purchased by the ESOP with subsidiary cash contributions, which are allocated to ESOP participants based on relative compensation. The total number of shares held by the ESOP, all of which have been allocated to participant accounts, were 298,294 and 365,274 at December 31, 2020 and 2019. In addition, the subsidiaries made contributions to its ESOP Trust as follows: Years ended December 31 2020 2019 2018 Number of shares issued ---- 8,333 7,294 Fair value of stock contributed $ ---- $ 328 $ 295 Cash contributed 614 500 500 Total expense $ 614 $ 828 $ 795 Life insurance contracts with a cash surrender value of $33,829 and annuity assets of $2,170 at December 31, 2020 have been purchased by the Company, the owner of the policies. The purpose of these contracts was to replace a current group life insurance program for executive officers, implement a deferred compensation plan for directors and executive officers, implement a director retirement plan and implement supplemental retirement plans for certain officers. Under the deferred compensation plan, Ohio Valley pays each participant the amount of fees deferred plus interest over the participant’s desired term, upon termination of service. Under the director retirement plan, participants are eligible to receive ongoing compensation payments upon retirement subject to length of service. The supplemental retirement plans provide payments to select executive officers upon retirement based upon a compensation formula determined by Ohio Valley’s Board of Directors. The present value of payments expected to be provided are accrued during the service period of the covered individuals and amounted to $8,377 and $7,815 at December 31, 2020 and 2019. Expenses related to the plans for each of the last three years amounted to $743, $627, and $602. In association with the split-dollar life insurance plan, the present value of the postretirement benefit totaled $3,721 at December 31, 2020 and $3,130 at December 31, 2019.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2020
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	Note O - Fair Value of Financial Instruments Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Level 2: Level 3: The following is a description of the Company’s valuation methodologies used to measure and disclose the fair values of its financial assets and liabilities on a recurring or nonrecurring basis: Securities: Impaired Loans: Other Real Estate Owned: Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with management’s own assumptions of fair value based on factors that include recent market data or industry-wide statistics. On an as-needed basis, the Company reviews the fair value of collateral, taking into consideration current market data, as well as all selling costs that typically approximate 10%. Interest Rate Swap Agreements: Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at December 31, 2020, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 18,153 ---- Agency mortgage-backed securities, residential ---- 94,169 ---- Interest rate swap derivatives ---- 928 ---- Liabilities: Interest rate swap derivatives ---- (928 ) ---- Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 16,736 ---- Agency mortgage-backed securities, residential ---- 88,582 ---- Interest rate swap derivatives ---- 465 ---- Liabilities: Interest rate swap derivatives ---- (465 ) ---- Assets and Liabilities Measured on a Nonrecurring Basis There were no assets or liabilities measured at fair value on a nonrecurring basis at December 31, 2020. Assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2019 are summarized below: Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Nonowner-occupied $ ---- $ ---- $ 1,644 Commercial and Industrial ---- ---- 4,559 At December 31, 2020, the Company had no recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans and, therefore, recorded no impact to provision expense during the year ended December 31, 2020. At December 31, 2019, the recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans totaled $7,010, with a corresponding valuation allowance of $807, resulting in an increase of $807 in provision expense during the year ended December 31, 2019, with no corresponding charge-offs recognized. There was no other real estate owned that was measured at fair value less costs to sell at December 31, 2020 and 2019. Furthermore, there were no corresponding write-downs during the years ended December 31, 2020 and 2019. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2019: December 31, 2019 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 1,644 Sales approach Adjustment to comparables 0% to 20% 9.7 % Commercial and Industrial 4,559 Sales approach Adjustment to comparables 0% to 61% 10.3 % The carrying amounts and estimated fair values of financial instruments at December 31, 2020 and December 31, 2019 are as follows: Fair Value Measurements at December 31, 2020 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 138,303 $ 138,303 $ ---- $ ---- $ 138,303 Certificates of deposit in financial institutions 2,500 ---- 2,500 ---- 2,500 Securities available for sale 112,322 ---- 112,322 ---- 112,322 Securities held to maturity 10,020 ---- 4,989 5,355 10,344 Loans, net 841,504 ---- ---- 837,387 837,387 Interest rate swap derivatives 928 ---- 928 ---- 928 Accrued interest receivable 3,319 ---- 283 3,036 3,319 Financial Liabilities: Deposits 993,739 314,777 680,904 ---- 995,681 Other borrowed funds 27,863 ---- 29,807 ---- 29,807 Subordinated debentures 8,500 ---- 5,556 ---- 5,556 Interest rate swap derivatives 928 ---- 928 ---- 928 Accrued interest payable 1,100 1 1,099 ---- 1,100 Fair Value Measurements at December 31, 2019 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,356 $ 52,356 $ ---- $ ---- $ 52,356 Certificates of deposit in financial institutions 2,360 ---- 2,360 ---- 2,360 Securities available for sale 105,318 ---- 105,318 ---- 105,318 Securities held to maturity 12,033 ---- 6,446 5,958 12,404 Loans, net 766,502 ---- ---- 771,285 771,285 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest receivable 2,564 ---- 315 2,249 2,564 Financial Liabilities: Deposits 821,471 222,607 599,937 ---- 822,544 Other borrowed funds 33,991 ---- 34,345 ---- 34,345 Subordinated debentures 8,500 ---- 6,275 ---- 6,275 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest payable 1,589 3 1,586 ---- 1,589 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2020
Regulatory Matters [Abstract]
Regulatory Matters	Note P - Regulatory Matters Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgements by regulators. Failure to meet capital requirements can initiate regulatory action. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes as of December 31, 2020, the Company and Bank met all capital adequacy requirements to which they are subject. Prompt corrective action regulations applicable to insured depository institutions provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. At year-end 2020 and 2019, the Bank met the capital requirements to be deemed well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since year-end 2020 and 2019 that management believes have changed the institution's well capitalized category. In 2019, the federal banking agencies jointly issued a final rule that provides for an optional, simplified measure of capital adequacy, the community bank leverage ratio ("CBLR") framework, for qualifying community banking organizations (banks and holding companies), consistent with Section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule became effective on January 1, 2020 and was elected by the Bank as of March 31, 2020. In April 2020, the federal banking agencies issued an interim final rule that makes temporary changes to the CBLR framework, pursuant to Section 4012 of the Coronavirus Aid, Relief, and Economic Security CARES Act, and a second interim final rule that provides a graduated increase in the CBLR requirement after the expiration of the temporary changes implemented pursuant to Section 4012 of the CARES Act. The CBLR removes the requirement for qualifying banking organizations to calculate and report risk-based capital but rather only requires a Tier 1 to average assets ("leverage") ratio. Qualifying banking organizations that elect to use the CBLR framework and that maintain a leverage ratio of greater than required minimums will be considered to have satisfied the generally applicable risk based and leverage capital requirements in the agencies' capital rules and, if applicable, will be considered to have met the well capitalized ratio requirements for purposes of Section 38 of the Federal Deposit Insurance Act. Under the interim final rules, the CBLR minimum requirement is 8% as of December 31, 2020, 8.5% for calendar year 2021, and 9% for calendar year 2022 and beyond. The interim rule allows for a two-quarter grace period to correct a ratio that falls below the required amount, provided that the Bank maintains a leverage ratio of 7% as of December 31, 2020, 7.5% for calendar year 2021, and 8% for calendar year 2022 and beyond. Under the final rule, an eligible banking organization can opt out of the CBLR framework and revert back to the risk-weighting framework without restriction. As of December 31, 2020, both the Company and the Bank were qualifying community banking organizations as defined by the federal banking agencies and elected to measure capital adequacy under the CBLR framework. The following tables summarize the actual and required capital amounts of the Company and the Bank as of year-end. Actual To Be Well Capitalized Under Prompt Corrective Action Regulations 2020 Amount Ratio Amount Ratio Tier 1 capital (to average assets) Consolidated $ 134,957 11.7 % $ 91,937 8.0 % Bank 120,989 10.7 90,407 8.0 Actual Minimum Regulatory Minimum To Be Well 2019 Amount Ratio Capital Ratio (2) Capitalized (1) Total capital (to risk weighted assets) Consolidated $ 134,930 18.7 % 8.0 % 10.0 % Bank 120,716 17.0 8.0 10.0 Common equity Tier 1 capital (to risk weighted assets) Consolidated 120,158 16.6 4.5 N/A Bank 114,772 16.1 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 128,658 17.8 6.0 6.0 Bank 114,772 16.1 6.0 8.0 Tier 1 capital (to average assets) Consolidated 128,658 12.5 4.0 N/A Bank 114,772 11.3 4.0 5.0 (1) For the Company, these amounts would be required for the Company to engage in activities permissible only for a bank holding company that meets the financial holding company requirements if the Company were not subject to the SBHCP. For the Bank, these are the amounts required for the Bank to be deemed well capitalized under the prompt corrective action regulations. (2) Excludes capital conservation buffer of 2.50%. Dividends paid by the subsidiaries are the primary source of funds available to Ohio Valley for payment of dividends to shareholders and for other working capital needs. The payment of dividends by the subsidiaries to Ohio Valley is subject to restrictions by regulatory authorities and state law. These restrictions generally limit dividends to the current and prior two years retained earnings of the Bank and Loan Central, Inc., and 90% of the prior year’s net income of OVBC Captive, Inc. At January 1, 2021 approximately $13,465 of the subsidiaries’ retained earnings were available for dividends under these guidelines. In addition to these restrictions, dividend payments cannot reduce regulatory capital levels below minimum regulatory guidelines. The amount of dividends payable by the Bank is also restricted if the Bank does not hold a capital conservation buffer. The ability of Ohio Valley to borrow funds from the Bank is limited as to amount and terms by banking regulations. The Board of Governors of the Federal Reserve System also has a policy requiring Ohio Valley to provide notice to the FRB in advance of the payment of a dividend to Ohio Valley’s shareholders under certain circumstances, and the FRB may disapprove of such dividend payment if the FRB determines the payment would be an unsafe or unsound practice.

Parent Company Only Condensed F

Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2020
Parent Company Only Condensed Financial Information [Abstract]
Parent Company Only Condensed Financial Information	Note Q - Parent Company Only Condensed Financial Information Below is condensed financial information of Ohio Valley. In this information, Ohio Valley’s investment in its subsidiaries is stated at cost plus equity in undistributed earnings of the subsidiaries since acquisition. This information should be read in conjunction with the consolidated financial statements of the Company. CONDENSED STATEMENTS OF CONDITION Years ended December 31: Assets 2020 2019 Cash and cash equivalents $ 4,112 $ 4,308 Investment in subsidiaries 143,424 134,910 Notes receivable – subsidiaries 1,603 1,963 Other assets 32 48 Total assets $ 149,171 $ 141,229 Liabilities Notes payable $ 3,198 $ 4,233 Subordinated debentures 8,500 8,500 Other liabilities 1,149 317 Total liabilities 12,847 13,050 Shareholders’ Equity Total shareholders’ equity 136,324 128,179 Total liabilities and shareholders’ equity $ 149,171 $ 141,229 CONDENSED STATEMENTS OF INCOME Years ended December 31: Income: 2020 2019 2018 Interest on notes $ 41 $ 47 $ 53 Dividends from subsidiaries 4,125 4,375 4,225 Expenses: Interest on notes 82 139 185 Interest on subordinated debentures 208 356 330 Operating expenses 344 377 351 Income before income taxes and equity in undistributed earnings of subsidiaries .. 3,532 3,550 3,412 Income tax benefit 121 169 164 Equity in undistributed earnings of subsidiaries 6,606 6,188 8,368 Net Income $ 10,259 $ 9,907 $ 11,944 Comprehensive Income $ 12,167 $ 12,570 $ 10,860 CONDENSED STATEMENTS OF CASH FLOWS Years ended December 31: Cash flows from operating activities: 2020 2019 2018 Net Income $ 10,259 $ 9,907 $ 11,944 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (6,606 ) (6,188 ) (8,368 ) Common stock issued to ESOP ---- 328 295 Change in other assets 16 45 (26 ) Change in other liabilities 832 (214 ) 262 Net cash provided by operating activities 4,501 3,878 4,107 Cash flows from investing activities: Change in notes receivable 360 1,037 320 Net cash provided by investing activities 360 1,037 320 Cash flows from financing activities: Change in notes payable (1,035 ) (2,046 ) (1,045 ) Proceeds from common stock through dividend reinvestment ---- 1,407 1,325 Cash dividends paid (4,022 ) (4,000 ) (3,967 ) Net cash used in financing activities (5,057 ) (4,639 ) (3,687 ) Cash and cash equivalents: Change in cash and cash equivalents (196 ) 276 740 Cash and cash equivalents at beginning of year 4,308 4,032 3,292 Cash and cash equivalents at end of year $ 4,112 $ 4,308 $ 4,032

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2020
Segment Information [Abstract]
Segment Information	Note R - Segment Information The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic. Total revenues from the banking segment, which accounted for the majority of the Company’s total revenues, totaled 94.3%, 94.2%, and 92.9% of total consolidated revenues for the years ended December 31, 2020, 2019 and 2018, respectively. The accounting policies used for the Company’s reportable segments are the same as those described in Note A - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense. All goodwill is in the Banking segment. Segment information is as follows: Year Ended December 31, 2020 Banking Consumer Finance Total Company Net interest income $ 37,825 $ 2,157 $ 39,982 Provision expense 2,945 35 2,980 Noninterest income 10,344 1,094 11,438 Noninterest expense 33,693 2,440 36,133 Tax expense 1,886 162 2,048 Net income 9,645 614 10,259 Assets 1,173,820 13,112 1,186,932 Year Ended December 31, 2019 Banking Consumer Finance Total Net interest income $ 39,865 $ 3,187 $ 43,052 Provision expense 875 125 1,000 Noninterest income 8,989 177 9,166 Noninterest expense 37,026 2,472 39,498 Tax expense 1,653 160 1,813 Net income 9,300 607 9,907 Assets 1,000,315 12,957 1,013,272 Year Ended December 31, 2018 Banking Consumer Finance Total Company Net interest income $ 40,380 $ 3,346 $ 43,726 Provision expense 850 189 1,039 Noninterest income 8,243 695 8,938 Noninterest expense 34,841 2,585 37,426 Tax expense 1,990 265 2,255 Net income 10,942 1,002 11,944 Assets 1,017,902 12,591 1,030,493

Consolidated Quarterly Financia

Consolidated Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2020
Consolidated Quarterly Financial Information (Unaudited) [Abstract]
Consolidated Quarterly Financial Information (Unaudited)	Note S - Consolidated Quarterly Financial Information Quarters Ended Mar. 31 Jun. 30 Sept. 30 Dec. 31 2020 Total interest income $ 11,785 $ 11,399 $ 11,574 $ 11,415 Total interest expense 1,781 1,604 1,492 1,314 Net interest income 10,004 9,795 10,082 10,101 Provision for loan losses 3,846 (393 ) (2 ) (471 ) Noninterest income 4,442 2,249 2,434 2,313 Noninterest expense 9,519 9,602 9,891 7,121 Net income 1,002 2,263 2,294 4,700 Earnings per share $ 0.21 $ 0.47 $ 0.48 $ 0.98 2019 Total interest income $ 13,058 $ 12,483 $ 12,521 $ 12,255 Total interest expense 1,671 1,830 1,895 1,869 Net interest income 11,387 10,653 10,626 10,386 Provision for loan losses 2,377 (806 ) 444 (1,015 ) Noninterest income 1,846 2,003 2,107 3,210 Noninterest expense 9,568 9,791 9,738 10,401 Net income 1,193 3,079 2,137 3,498 Earnings per share $ 0.25 $ 0.65 $ 0.45 $ 0.73

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Summary of Significant Accounting Policies [Abstract]
Description of Business	Description of Business: The Company provides a full range of commercial and retail banking services from 21 offices located in southeastern Ohio and western West Virginia. It accepts deposits in checking, savings, time and money market accounts and makes personal, commercial, floor plan, student, construction and real estate loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from business operations. The Company also offers safe deposit boxes, wire transfers and other standard banking products and services. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (“FDIC”). In addition to accepting deposits and making loans, the Bank invests in U. S. Government and agency obligations, interest-bearing deposits in other financial institutions and investments permitted by applicable law. The Bank’s trust department provides a wide variety of fiduciary services for trusts, estates and benefit plans and also provides investment and security services as an agent for its customers.
Principles of Consolidation	Principles of Consolidation:
Industry Segment Information	Industry Segment Information:
Use of Estimates	Use of Estimates:
Cash and Cash Equivalents	Cash and Cash Equivalents:
Certificates of Deposit in Financial Institutions	Certificates of deposit in financial institutions:
Securities	Securities: Premium amortization is deducted from, and discount accretion is added to, interest income on securities using the level yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses are recognized upon the sale of specific identified securities on the completed trade date.
Other-Than-Temporary Impairments of Securities	Other-Than-Temporary Impairments of Securities: When an OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current-period credit loss. If an entity intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current-period credit loss, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current-period loss, the OTTI shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment.
Restricted Investments in Bank Stocks	Restricted Investments in Bank Stocks:
Loans	Loans: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 days or over unless the loan is well-secured or in process of collection. 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 or interest is considered doubtful. Nonaccrual loans and loans past due 90 days or over and still accruing include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis 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. The Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of December 31, 2020, there were $70 in loans held for sale by the Bank, as compared to no loans held for sale at December 31, 2019.
Allowance for Loan Losses	Allowance for Loan Losses: The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. 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 and reasons for the delay, the borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed. Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers non-impaired loans and impaired loans that are not individually reviewed for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 years for the consumer and real estate portfolio segment and 5 years for the commercial portfolio segment. The total loan portfolio’s actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not maintain their value upon foreclosure, which may require the Company to write down the value significantly to sell. Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner- occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1-4 family residential properties. Construction loans are extended to individuals as well as corporations for the construction of an individual or multiple properties and are secured by raw land and the subsequent improvements. Repayment of the loans to real estate developers is dependent upon the sale of properties to third parties in a timely fashion upon completion. Should there be delays in construction or a downturn in the market for those properties, there may be significant erosion in value which may be absorbed by the Company. Residential real estate loans consist of loans to individuals for the purchase of 1-4 family primary residences with repayment primarily through wage or other income sources of the individual borrower. The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured. These loans typically have maturities of 6 years or less with repayment dependent on individual wages and income. The risk of loss on consumer loans is elevated as the collateral securing these loans, if any, rapidly depreciate in value or may be worthless and/or difficult to locate if repossession is necessary. The Company has allocated the highest percentage of its allowance for loan losses as a percentage of loans to the other identified loan portfolio segments due to the larger dollar balances associated with such portfolios. At December 31, 2020, there were no changes to the accounting policies or methodologies within any of the Company’s loan portfolio segments from the prior period.
Concentrations of Credit Risk	Concentrations of Credit Risk: The following represents the composition of the Company’s loan portfolio as of December 31: % of Total Loans 2020 2019 Residential real estate loans 36.00 % 40.15 % Commercial real estate loans 29.86 % 28.75 % Consumer loans 15.56 % 18.16 % Commercial and industrial loans 18.58 % 12.94 % 100.00 % 100.00 % Approximately 4.22% of total loans were unsecured at December 31, 2020, down from 5.00% at December 31, 2019. The Bank, in the normal course of its operations, conducts business with correspondent financial institutions. Balances in correspondent accounts, investments in federal funds, certificates of deposit and other short-term securities are closely monitored to ensure that prudent levels of credit and liquidity risks are maintained. At December 31, 2020, the Bank’s primary correspondent balance was $121,148 on deposit at the FRB, Cleveland, Ohio.
Premises and Equipment	Premises and Equipment:
Foreclosed Assets	Foreclosed assets:
Goodwill	Goodwill:
Long-term Assets	Long-term Assets:
Mortgage Servicing Rights	Mortgage Servicing Rights:
Earnings Per Share	Earnings Per Share:
Income Taxes	Income Taxes: A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.
Comprehensive Income	Comprehensive Income:
Loss Contingencies	Loss Contingencies:
Bank Owned Life Insurance and Annuity Assets	Bank Owned Life Insurance and Annuity Assets
Employee Stock Ownership Plan	Employee Stock Ownership Plan:
Dividend Reinvestment Plan	Dividend Reinvestment Plan:
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments:
Dividend Restrictions	Dividend Restrictions:
Restrictions on Cash	Restrictions on Cash:
Derivatives	Derivatives: Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. At December 31, 2020 and 2019, the Company’s only derivatives on hand were interest rate swaps, which are classified as stand-alone derivatives. See Note H for more specific disclosures related to interest rate swaps.
Fair Value of Financial Instruments	Fair Value of Financial Instruments:
Reclassifications	Reclassifications:
Adoption of New Accounting Standard Updates ("ASU")	Adoption of New Accounting Standard Updates (“ASU”): In January 2017, the FASB amended ASU 2017-04, Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill. The amendment was to simplify the goodwill impairment measurement test by eliminating Step 2. The amendment requires the Company to perform the goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount and recognizing an impairment charge for the amount by which the carrying amount exceeds the fair value. Additionally, an entity should consider the tax effects from any tax deductible goodwill on the carrying amount when measuring the impairment loss. This amendment is effective for public business entities for reporting periods beginning after December 15, 2019, including interim periods within that reporting period. Accounting Guidance to be Adopted in Future Periods:

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2020
Summary of Significant Accounting Policies [Abstract]
Composition of Loan Portfolio	The following represents the composition of the Company’s loan portfolio as of December 31: % of Total Loans 2020 2019 Residential real estate loans 36.00 % 40.15 % Commercial real estate loans 29.86 % 28.75 % Consumer loans 15.56 % 18.16 % Commercial and industrial loans 18.58 % 12.94 % 100.00 % 100.00 %

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Securities [Abstract]
Amortized Cost and Fair Value of Securities Available-for-sale	The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at December 31, 2020 and 2019 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities Available for Sale December 31, 2020 U.S. Government sponsored entity securities $ 17,814 $ 339 $ ---- $ 18,153 Agency mortgage-backed securities, residential 91,425 2,748 (4 ) 94,169 Total securities $ 109,239 $ 3,087 $ (4 ) $ 112,322 December 31, 2019 U.S. Government sponsored entity securities $ 16,579 $ 163 $ (6 ) $ 16,736 Agency mortgage-backed securities, residential 88,071 807 (296 ) 88,582 Total securities $ 104,650 $ 970 $ (302 ) $ 105,318
Amortized Cost and Fair Value of Securities Held-to-maturity	Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Securities Held to Maturity December 31, 2020 Obligations of states and political subdivisions $ 10,018 $ 324 $ ---- $ 10,342 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 10,020 $ 324 $ ---- $ 10,344 December 31, 2019 Obligations of states and political subdivisions $ 12,031 $ 372 $ (1 ) $ 12,402 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 12,033 $ 372 $ (1 ) $ 12,404
Amortized Cost and Fair Value of Securities by Contractual Maturity	Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 4,599 $ 4,612 $ 2,016 $ 2,048 Due in one to five years 8,215 8,531 4,107 4,276 Due in five to ten years 5,000 5,010 3,895 4,018 Agency mortgage-backed securities, residential 91,425 94,169 2 2 Total debt securities $ 109,239 $ 112,322 $ 10,020 $ 10,344
Securities with Unrealized Losses in Continuous Unrealized Loss Position	The following table summarizes securities with unrealized losses at December 31, 2020 and December 31, 2019, aggregated by major security type and length of time in a continuous unrealized loss position: December 31, 2020 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities, residential $ 14,517 $ (4 ) $ ---- $ ---- $ 14,517 $ (4 ) Total available for sale $ 14,517 $ (4 ) $ ---- $ ---- $ 14,517 $ (4 ) December 31, 2019 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government sponsored entity securities $ ---- $ ---- $ 1,999 $ (6 ) $ 1,999 $ (6 ) Agency mortgage-backed securities, residential 15,041 (84 ) 21,344 (212 ) 36,385 (296 ) Total available for sale $ 15,041 $ (84 ) $ 23,343 $ (218 ) $ 38,384 $ (302 ) Less than 12 Months 12 Months or More Total Securities Held to Maturity Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Obligations of states and political subdivisions $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 )

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2020
Loans and Allowance for Loan Losses [Abstract]
Portfolio Loans	Loans are comprised of the following at December 31: 2020 2019 Residential real estate $ 305,478 $ 310,253 Commercial real estate: Owner-occupied 51,863 55,825 Nonowner-occupied 164,523 131,398 Construction 37,063 34,913 Commercial and industrial 157,692 100,023 Consumer: Automobile 55,241 63,770 Home equity 19,993 22,882 Other 56,811 53,710 848,664 772,774 Less: Allowance for loan losses (7,160 ) (6,272 ) Loans, net $ 841,504 $ 766,502
Activity in Allowance for Loan Losses by Portfolio Segment	The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2020, 2019 and 2018: December 31, 2020 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 413 946 443 1,178 2,980 Loans charged off (340 ) (559 ) (185 ) (1,949 ) (3,033 ) Recoveries 157 116 71 597 941 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 98 (1,745 ) 1,807 840 1,000 Loans charged off (1,060 ) (602 ) (1,513 ) (1,917 ) (5,092 ) Recoveries 629 2,089 90 828 3,636 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 December 31, 2018 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 Provision for loan losses 772 (1,311 ) (80 ) 1,658 1,039 Loans charged off (874 ) (4 ) (208 ) (2,514 ) (3,600 ) Recoveries 215 523 327 725 1,790 Total ending allowance balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of December 31, 2020 and 2019: December 31, 2020 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ ---- $ ---- $ ---- $ ---- Collectively evaluated for impairment 1,480 2,431 1,776 1,473 7,160 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Loans: Loans individually evaluated for impairment $ 411 $ 5,845 $ 4,686 $ 84 $ 11,026 Loans collectively evaluated for impairment 305,067 247,604 153,006 131,961 837,638 Total ending loans balance $ 305,478 $ 253,449 $ 157,692 $ 132,045 $ 848,664 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 385 $ 303 $ 119 $ 807 Collectively evaluated for impairment 1,250 1,543 1,144 1,528 5,465 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Loans: Loans individually evaluated for impairment $ 438 $ 11,300 $ 4,910 $ 487 $ 17,135 Loans collectively evaluated for impairment 309,815 210,836 95,113 139,875 755,639 Total ending loans balance $ 310,253 $ 222,136 $ 100,023 $ 140,362 $ 772,774
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents information related to loans individually evaluated for impairment by class of loans as of the years ended December 31, 2020, 2019 and 2018: December 31, 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: $ ---- $ ---- $ ---- $ ---- $ ---- $ ---- With no related allowance recorded: Residential real estate 418 411 ---- 423 21 21 Commercial real estate: Owner-occupied 5,256 5,256 ---- 3,417 260 260 Nonowner-occupied 632 589 ---- 626 29 29 Commercial and industrial 4,686 4,686 ---- 3,772 196 196 Consumer: Home equity 34 34 ---- 28 2 2 Other 50 50 ---- 10 2 2 Total $ 11,076 $ 11,026 $ ---- $ 8,276 $ 510 $ 510 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 2,030 $ 2,030 $ 385 $ 1,375 $ 197 $ 197 Commercial and industrial 4,861 4,861 303 4,796 319 319 Consumer: Automobile 8 8 8 2 ---- ---- Other 111 111 111 22 9 9 With no related allowance recorded: Residential real estate 438 438 ---- 453 23 23 Commercial real estate: Owner-occupied 1,778 1,778 ---- 1,902 113 113 Nonowner-occupied 7,492 7,492 ---- 6,160 477 477 Commercial and industrial 49 49 ---- 300 111 111 Consumer: Home equity 368 368 ---- 143 19 19 Total $ 17,135 $ 17,135 $ 807 $ 15,153 $ 1,268 $ 1,268 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Nonowner-occupied $ 362 $ 362 $ 98 $ 367 $ 15 $ 15 With no related allowance recorded: Residential real estate 1,667 1,667 ---- 511 101 101 Commercial real estate: Owner-occupied 2,527 2,527 ---- 2,475 141 141 Nonowner-occupied 2,368 946 ---- 1,912 57 57 Construction 336 ---- ---- ---- 20 20 Commercial and industrial 7,116 7,116 ---- 5,802 414 414 Total $ 14,376 $ 12,618 $ 98 $ 11,067 $ 748 $ 748
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans	The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of December 31, 2020 and 2019: Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2020 Residential real estate $ 127 $ 5,256 Commercial real estate: Owner-occupied ---- 205 Nonowner-occupied ---- 362 Construction ---- 156 Commercial and industrial 15 149 Consumer: Automobile 146 129 Home equity ---- 210 Other 136 36 Total $ 424 $ 6,503 Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2019 Residential real estate $ 255 $ 6,119 Commercial real estate: Owner-occupied ---- 863 Nonowner-occupied ---- 804 Construction ---- 229 Commercial and industrial ---- 590 Consumer: Automobile 239 61 Home equity ---- 392 Other 395 91 Total $ 889 $ 9,149
Aging of Recorded Investment in Past Due Loans by Class of Loans	The following table presents the aging of the recorded investment of past due loans by class of loans as of December 31, 2020 and 2019: December 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,845 $ 496 $ 1,663 $ 5,004 $ 300,474 $ 305,478 Commercial real estate: Owner-occupied 470 1003 193 1,666 50,197 51,863 Nonowner-occupied 94 ---- 362 456 164,067 164,523 Construction ---- 82 ---- 82 36,981 37,063 Commercial and industrial 1,112 11 164 1,287 156,405 157,692 Consumer: Automobile 831 131 258 1,220 54,021 55,241 Home equity 204 81 113 398 19,595 19,993 Other 446 76 172 694 56,117 56,811 Total $ 6,002 $ 1,880 $ 2,925 $ 10,807 $ 837,857 $ 848,664 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 4,015 $ 1,314 $ 1,782 $ 7,111 $ 303,142 $ 310,253 Commercial real estate: Owner-occupied 383 59 144 586 55,239 55,825 Nonowner-occupied 12 ---- 697 709 130,689 131,398 Construction 186 19 49 254 34,659 34,913 Commercial and industrial 1,320 312 241 1,873 98,150 100,023 Consumer: Automobile 986 329 246 1,561 62,209 63,770 Home equity 106 18 279 403 22,479 22,882 Other 559 139 443 1,141 52,569 53,710 Total $ 7,567 $ 2,190 $ 3,881 $ 13,638 $ 759,136 $ 772,774
Troubled Debt Restructuring Loan Modifications	The following table presents the types of TDR loan modifications by class of loans as of December 31, 2020 and December 31, 2019: TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2020 Residential real estate: Interest only payments $ 202 $ ---- $ 202 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1,486 ---- 1,486 Maturity extension at lower stated rate than market rate 351 ---- 351 Credit extension at lower stated rate than market rate 384 ---- 384 Nonowner-occupied Credit extension at lower stated rate than market rate 390 ---- 390 Commercial and industrial Interest only payments 4,400 ---- 4,400 Total TDRs $ 7,213 $ ---- $ 7,213 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2019 Residential real estate: Interest only payments $ 209 $ ---- $ 209 Commercial real estate: Owner-occupied Interest only payments 882 ---- 882 Reduction of principal and interest payments 1,521 ---- 1,521 Maturity extension at lower stated rate than market rate 393 ---- 393 Credit extension at lower stated rate than market rate 393 ---- 393 Nonowner-occupied Credit extension at lower stated rate than market rate 395 ---- 395 Commercial and industrial Interest only payments 4,574 ---- 4,574 Reduction of principal and interest payments 185 ---- 185 Total TDRs $ 8,552 $ ---- $ 8,552
Troubled Debt Restructurings on Financing Receivables Pre and Post Modification	The following table present the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the year ended December 31, 2019: TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment December 31, 2019 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1 $ 1,036 $ 1,036 $ ---- $ ---- Commercial and industrial: Reduction of principal and interest payments 1 199 199 ---- ---- Total TDRs 2 $ 1,235 $ 1,235 $ ---- $ ----
Financing Receivable Credit Quality Indicators	As of December 31, 2020 and December 31, 2019, and based on the most recent analysis performed, the risk category of commercial loans by class of loans is as follows: December 31, 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 46,604 $ 669 $ 4,590 $ 51,863 Nonowner-occupied 160,324 3,629 570 164,523 Construction 37,063 ---- ---- 37,063 Commercial and industrial 150,786 2,064 4,842 157,692 Total $ 394,777 $ 6,362 $ 10,002 $ 411,141 December 31, 2019 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 49,486 $ 2,889 $ 3,450 $ 55,825 Nonowner-occupied 123,847 ---- 7,551 131,398 Construction 34,864 ---- 49 34,913 Commercial and industrial 89,749 298 9,976 100,023 Total $ 297,946 $ 3,187 $ 21,026 $ 322,159
Recorded Investment of Residential and Consumer Loans	The following table presents the recorded investment of residential and consumer loans by class of loans based on payment activity as of December 31, 2020 and December 31, 2019: Consumer December 31, 2020 Automobile Home Equity Other Residential Real Estate Total Performing $ 54,966 $ 19,783 $ 56,639 $ 300,095 $ 431,483 Nonperforming 275 210 172 5,383 6,040 Total $ 55,241 $ 19,993 $ 56,811 $ 305,478 $ 437,523 Consumer December 31, 2019 Automobile Home Equity Other Residential Real Estate Total Performing $ 63,470 $ 22,490 $ 53,224 $ 303,879 $ 443,063 Nonperforming 300 392 486 6,374 7,552 Total $ 63,770 $ 22,882 $ 53,710 $ 310,253 $ 450,615

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2020
Premises and Equipment [Abstract]
Premises and Equipment	Following is a summary of premises and equipment at December 31: 2020 2019 Land $ 2,719 $ 2,633 Buildings 22,081 20,890 Leasehold improvements 1,302 1,267 Furniture and equipment 8,892 6,847 34,994 31,637 Less accumulated depreciation 13,682 12,420 Total premises and equipment $ 21,312 $ 19,217
Premises and Equipment Held for Sale	Following is a summary of premises and equipment held for sale at December 31: 2020 2019 Land $ 153 $ 153 Buildings 564 563 717 716 Less accumulated depreciation 80 63 Total premises and equipment held for sale $ 637 $ 653

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Balance Sheet Information	Balance sheet information related to leases was as follows: December 31, 2020 December 31, 2019 Operating leases: Operating lease right-of-use assets $ 880 $ 1,053 Operating lease liabilities 880 1,053
Components of Lease Cost	The components of lease cost were as follows for the year ending: December 31, 2020 December 31, 2019 Operating lease cost $ 170 $ 282 Short-term lease expense 31 52
Maturities of Lease Liabilities	Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2020 are as follows: Operating Leases 2021 $ 157 2022 157 2023 116 2024 95 2025 94 Thereafter 452 Total lease payments 1,071 Less: Imputed Interest (191 ) Total operating leases $ 880
Other Information	Other information was as follows: December 31, 2020 December 31, 2019 Weighted-average remaining lease term for operating leases 9.6 years 10.6 years Weighted-average discount rate for operating leases 2.79 % 2.76 %

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets [Abstract]
Goodwill	The change in goodwill during the year is as follows: 2020 2019 2018 Beginning of year $ 7,319 $ 7,371 $ 7,371 Finalization of Milton branch sale ---- (52 ) ---- End of year $ 7,319 $ 7,319 $ 7,371
Acquired Intangible Assets	Acquired intangible assets were as follows at year-end: 2020 2019 Gross Carrying Amount Accumulated Amortization Gross Amount Accumulated Amortization Amortized intangible assets: Core deposit intangibles $ 738 $ 626 $ 738 $ 564
Estimated Amortization Expense	Estimated amortization expense for each of the next five years: 2021 $ 48 2022 35 2023 21 2024 8 2025 ---- Total $ 112

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Interest Bearing Deposits	Following is a summary of interest-bearing deposits at December 31: 2020 2019 NOW accounts $ 185,364 $ 158,434 Savings and Money Market 286,937 230,672 Time: In denominations of $250,000 or less 165,834 175,334 In denominations of more than $250,000 40,827 34,424 Total time deposits 206,661 209,758 Total interest-bearing deposits $ 678,962 $ 598,864
Maturities of Time Deposits	Following is a summary of total time deposits by remaining maturity at December 31, 2020: 2021 $ 136,634 2022 51,677 2023 13,727 2024 3,289 2025 1,147 Thereafter 187 Total $ 206,661

Other Borrowed Funds (Tables)

Other Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2020
Other Borrowed Funds [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Other borrowed funds at December 31, 2020 and 2019 are comprised of advances from the FHLB of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals 2020 $ 24,665 $ 3,198 $ 27,863 2019 $ 29,758 $ 4,233 $ 33,991
Schedule of Maturities of Long-term Debt	Scheduled principal payments over the next five years: FHLB Borrowings Promissory Notes Totals 2021 $ 3,134 $ 3,198 $ 6,332 2022 2,683 ---- 2,683 2023 2,542 ---- 2,542 2024 2,173 ---- 2,173 2025 1,897 ---- 1,897 Thereafter 12,236 ---- 12,236 $ 24,665 $ 3,198 $ 27,863

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Income Taxes [Abstract]
Components of Provision for Income Taxes	The provision for income taxes consists of the following components: 2020 2019 2018 Current tax expense $ 2,036 $ 1,446 $ 2,389 Deferred tax (benefit) expense 12 367 (134 ) Total income taxes $ 2,048 $ 1,813 $ 2,255
Deferred Tax Assets and Liabilities	The source of deferred tax assets and deferred tax liabilities at December 31: 2020 2019 Items giving rise to deferred tax assets: Allowance for loan losses $ 1,557 $ 1,364 Deferred compensation 1,822 1,700 Deferred loan fees/costs 136 110 Other real estate owned 1 4 Accrued bonus 212 204 Purchase accounting adjustments 18 24 Net operating loss 99 115 Lease liability 235 274 Other 339 346 Items giving rise to deferred tax liabilities: Mortgage servicing rights (100 ) (77 ) FHLB stock dividends (676 ) (676 ) Unrealized gain on securities available for sale (647 ) (140 ) Prepaid expenses (202 ) (182 ) Depreciation and amortization (894 ) (579 ) Right-of-use asset (235 ) (274 ) Other ---- ---- Net deferred tax asset $ 1,665 $ 2,213
Reconciliation of Income Tax Provision	The difference between the financial statement tax provision and amounts computed by applying the statutory federal income tax rate of 21% to income before taxes is as follows: 2020 2019 2018 Statutory tax $ 2,584 $ 2,461 $ 2,982 Effect of nontaxable interest (348 ) (336 ) (352 ) Effect of nontaxable insurance premiums (210 ) (212 ) (218 ) Income from bank owned insurance, net (161 ) (141 ) (142 ) Effect of postretirement benefits 124 54 20 Effect of state income tax 125 100 33 Tax credits (102 ) (145 ) (217 ) Other items 36 32 149 Total income taxes $ 2,048 $ 1,813 $ 2,255

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2020
Commitments and Contingent Liabilities [Abstract]
Commitments	Following is a summary of such commitments at December 31: 2020 2019 Fixed rate $ 1,127 $ 660 Variable rate 83,956 70,561 Standby letters of credit 3,373 3,957

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
Summary of Activity on Borrower Relationships with Aggregate Debt	A summary of activity on these borrower relationships with aggregate debt greater than $120 is as follows: Total loans at January 1, 2020 $ 3,974 New loans 54 Repayments (1,588 ) Other changes 289 Total loans at December 31, 2020 $ 2,729

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2020
Employee Benefits [Abstract]
Contributions to ESOP Trust	In addition, the subsidiaries made contributions to its ESOP Trust as follows: Years ended December 31 2020 2019 2018 Number of shares issued ---- 8,333 7,294 Fair value of stock contributed $ ---- $ 328 $ 295 Cash contributed 614 500 500 Total expense $ 614 $ 828 $ 795

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2020
Fair Value of Financial Instruments [Abstract]
Assets and Liabilities Measured on Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at December 31, 2020, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 18,153 ---- Agency mortgage-backed securities, residential ---- 94,169 ---- Interest rate swap derivatives ---- 928 ---- Liabilities: Interest rate swap derivatives ---- (928 ) ---- Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 16,736 ---- Agency mortgage-backed securities, residential ---- 88,582 ---- Interest rate swap derivatives ---- 465 ---- Liabilities: Interest rate swap derivatives ---- (465 ) ----
Assets and Liabilities Measured on Nonrecurring Basis	There were no assets or liabilities measured at fair value on a nonrecurring basis at December 31, 2020. Assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2019 are summarized below: Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Nonowner-occupied $ ---- $ ---- $ 1,644 Commercial and Industrial ---- ---- 4,559
Quantitative Information about Level 3 Inputs	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2019: December 31, 2019 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 1,644 Sales approach Adjustment to comparables 0% to 20% 9.7 % Commercial and Industrial 4,559 Sales approach Adjustment to comparables 0% to 61% 10.3 %
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at December 31, 2020 and December 31, 2019 are as follows: Fair Value Measurements at December 31, 2020 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 138,303 $ 138,303 $ ---- $ ---- $ 138,303 Certificates of deposit in financial institutions 2,500 ---- 2,500 ---- 2,500 Securities available for sale 112,322 ---- 112,322 ---- 112,322 Securities held to maturity 10,020 ---- 4,989 5,355 10,344 Loans, net 841,504 ---- ---- 837,387 837,387 Interest rate swap derivatives 928 ---- 928 ---- 928 Accrued interest receivable 3,319 ---- 283 3,036 3,319 Financial Liabilities: Deposits 993,739 314,777 680,904 ---- 995,681 Other borrowed funds 27,863 ---- 29,807 ---- 29,807 Subordinated debentures 8,500 ---- 5,556 ---- 5,556 Interest rate swap derivatives 928 ---- 928 ---- 928 Accrued interest payable 1,100 1 1,099 ---- 1,100 Fair Value Measurements at December 31, 2019 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,356 $ 52,356 $ ---- $ ---- $ 52,356 Certificates of deposit in financial institutions 2,360 ---- 2,360 ---- 2,360 Securities available for sale 105,318 ---- 105,318 ---- 105,318 Securities held to maturity 12,033 ---- 6,446 5,958 12,404 Loans, net 766,502 ---- ---- 771,285 771,285 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest receivable 2,564 ---- 315 2,249 2,564 Financial Liabilities: Deposits 821,471 222,607 599,937 ---- 822,544 Other borrowed funds 33,991 ---- 34,345 ---- 34,345 Subordinated debentures 8,500 ---- 6,275 ---- 6,275 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest payable 1,589 3 1,586 ---- 1,589

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2020
Regulatory Matters [Abstract]
Capital Ratios Excluding the Capital Conservation Buffer	The following tables summarize the actual and required capital amounts of the Company and the Bank as of year-end. Actual To Be Well Capitalized Under Prompt Corrective Action Regulations 2020 Amount Ratio Amount Ratio Tier 1 capital (to average assets) Consolidated $ 134,957 11.7 % $ 91,937 8.0 % Bank 120,989 10.7 90,407 8.0 Actual Minimum Regulatory Minimum To Be Well 2019 Amount Ratio Capital Ratio (2) Capitalized (1) Total capital (to risk weighted assets) Consolidated $ 134,930 18.7 % 8.0 % 10.0 % Bank 120,716 17.0 8.0 10.0 Common equity Tier 1 capital (to risk weighted assets) Consolidated 120,158 16.6 4.5 N/A Bank 114,772 16.1 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 128,658 17.8 6.0 6.0 Bank 114,772 16.1 6.0 8.0 Tier 1 capital (to average assets) Consolidated 128,658 12.5 4.0 N/A Bank 114,772 11.3 4.0 5.0 (1) For the Company, these amounts would be required for the Company to engage in activities permissible only for a bank holding company that meets the financial holding company requirements if the Company were not subject to the SBHCP. For the Bank, these are the amounts required for the Bank to be deemed well capitalized under the prompt corrective action regulations. (2) Excludes capital conservation buffer of 2.50%.

Parent Company Only Condensed_2

Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2020
Parent Company Only Condensed Financial Information [Abstract]
Condensed Statements of Condition	CONDENSED STATEMENTS OF CONDITION Years ended December 31: Assets 2020 2019 Cash and cash equivalents $ 4,112 $ 4,308 Investment in subsidiaries 143,424 134,910 Notes receivable – subsidiaries 1,603 1,963 Other assets 32 48 Total assets $ 149,171 $ 141,229 Liabilities Notes payable $ 3,198 $ 4,233 Subordinated debentures 8,500 8,500 Other liabilities 1,149 317 Total liabilities 12,847 13,050 Shareholders’ Equity Total shareholders’ equity 136,324 128,179 Total liabilities and shareholders’ equity $ 149,171 $ 141,229
Condensed Statements of Income	CONDENSED STATEMENTS OF INCOME Years ended December 31: Income: 2020 2019 2018 Interest on notes $ 41 $ 47 $ 53 Dividends from subsidiaries 4,125 4,375 4,225 Expenses: Interest on notes 82 139 185 Interest on subordinated debentures 208 356 330 Operating expenses 344 377 351 Income before income taxes and equity in undistributed earnings of subsidiaries .. 3,532 3,550 3,412 Income tax benefit 121 169 164 Equity in undistributed earnings of subsidiaries 6,606 6,188 8,368 Net Income $ 10,259 $ 9,907 $ 11,944 Comprehensive Income $ 12,167 $ 12,570 $ 10,860
Condensed Statements of Cash Flow	CONDENSED STATEMENTS OF CASH FLOWS Years ended December 31: Cash flows from operating activities: 2020 2019 2018 Net Income $ 10,259 $ 9,907 $ 11,944 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (6,606 ) (6,188 ) (8,368 ) Common stock issued to ESOP ---- 328 295 Change in other assets 16 45 (26 ) Change in other liabilities 832 (214 ) 262 Net cash provided by operating activities 4,501 3,878 4,107 Cash flows from investing activities: Change in notes receivable 360 1,037 320 Net cash provided by investing activities 360 1,037 320 Cash flows from financing activities: Change in notes payable (1,035 ) (2,046 ) (1,045 ) Proceeds from common stock through dividend reinvestment ---- 1,407 1,325 Cash dividends paid (4,022 ) (4,000 ) (3,967 ) Net cash used in financing activities (5,057 ) (4,639 ) (3,687 ) Cash and cash equivalents: Change in cash and cash equivalents (196 ) 276 740 Cash and cash equivalents at beginning of year 4,308 4,032 3,292 Cash and cash equivalents at end of year $ 4,112 $ 4,308 $ 4,032

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2020
Segment Information [Abstract]
Segment Information	Segment information is as follows: Year Ended December 31, 2020 Banking Consumer Finance Total Company Net interest income $ 37,825 $ 2,157 $ 39,982 Provision expense 2,945 35 2,980 Noninterest income 10,344 1,094 11,438 Noninterest expense 33,693 2,440 36,133 Tax expense 1,886 162 2,048 Net income 9,645 614 10,259 Assets 1,173,820 13,112 1,186,932 Year Ended December 31, 2019 Banking Consumer Finance Total Net interest income $ 39,865 $ 3,187 $ 43,052 Provision expense 875 125 1,000 Noninterest income 8,989 177 9,166 Noninterest expense 37,026 2,472 39,498 Tax expense 1,653 160 1,813 Net income 9,300 607 9,907 Assets 1,000,315 12,957 1,013,272 Year Ended December 31, 2018 Banking Consumer Finance Total Company Net interest income $ 40,380 $ 3,346 $ 43,726 Provision expense 850 189 1,039 Noninterest income 8,243 695 8,938 Noninterest expense 34,841 2,585 37,426 Tax expense 1,990 265 2,255 Net income 10,942 1,002 11,944 Assets 1,017,902 12,591 1,030,493

Consolidated Quarterly Financ_2

Consolidated Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2020
Consolidated Quarterly Financial Information (Unaudited) [Abstract]
Quarterly Financial Information	Quarters Ended Mar. 31 Jun. 30 Sept. 30 Dec. 31 2020 Total interest income $ 11,785 $ 11,399 $ 11,574 $ 11,415 Total interest expense 1,781 1,604 1,492 1,314 Net interest income 10,004 9,795 10,082 10,101 Provision for loan losses 3,846 (393 ) (2 ) (471 ) Noninterest income 4,442 2,249 2,434 2,313 Noninterest expense 9,519 9,602 9,891 7,121 Net income 1,002 2,263 2,294 4,700 Earnings per share $ 0.21 $ 0.47 $ 0.48 $ 0.98 2019 Total interest income $ 13,058 $ 12,483 $ 12,521 $ 12,255 Total interest expense 1,671 1,830 1,895 1,869 Net interest income 11,387 10,653 10,626 10,386 Provision for loan losses 2,377 (806 ) 444 (1,015 ) Noninterest income 1,846 2,003 2,107 3,210 Noninterest expense 9,568 9,791 9,738 10,401 Net income 1,193 3,079 2,137 3,498 Earnings per share $ 0.25 $ 0.65 $ 0.45 $ 0.73

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)SubsidiariesOfficeBusinessshares	Dec. 31, 2019USD ($)shares	Dec. 31, 2018shares
Description of Business [Abstract]
Number of subsidiaries | Subsidiaries	1
Number of stores | Office	21
Industry Segment Information [Abstract]
Number of reported lines of business | Business	2
Loans [Abstract]
Loans held for sale	$ 70	$ 0
Concentrations of Credit Risk [Abstract]
% Total Loans	100.00%	100.00%
Due from Banks	$ 121,148
Foreclosed Assets [Abstract]
Foreclosed assets	49	$ 540
Goodwill [Abstract]
Goodwill impairment	0	0
Mortgage Servicing Rights [Abstract]
MSR assets	$ 458	$ 357
Earnings Per Share [Abstract]
Number of weighted average common shares outstanding (in shares) | shares	4,787,446	4,767,279	4,725,971
Restrictions on Cash [Abstract]
Restricted cash	$ 121,839	$ 38,794
Unsecured [Member]
Concentrations of Credit Risk [Abstract]
% Total Loans	4.22%	5.00%
Equipment Furniture and Fixtures [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Property, plant and equipment, useful life	3 years
Equipment Furniture and Fixtures [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Property, plant and equipment, useful life	8 years
Building and Building Improvements [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Property, plant and equipment, useful life	7 years
Building and Building Improvements [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Property, plant and equipment, useful life	39 years
Residential Real Estate Loans [Member]
Concentrations of Credit Risk [Abstract]
% Total Loans	36.00%	40.15%
Commercial Real Estate Loans [Member]
Allowance for Loan Losses [Abstract]
Period of actual loss history experienced	3 years
Concentrations of Credit Risk [Abstract]
% Total Loans	29.86%	28.75%
Consumer Loans [Member]
Allowance for Loan Losses [Abstract]
Period of actual loss history experienced	3 years
Loans maturity period	6 years
Concentrations of Credit Risk [Abstract]
% Total Loans	15.56%	18.16%
Commercial and Industrial Loans [Member]
Allowance for Loan Losses [Abstract]
Period of actual loss history experienced	5 years
Concentrations of Credit Risk [Abstract]
% Total Loans	18.58%	12.94%

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale Investment Securities [Abstract]
Amortized Cost	$ 109,239	$ 104,650
Gross Unrealized Gains	3,087	970
Gross Unrealized Losses	(4)	(302)
Estimated Fair Value	112,322	105,318
U.S. Government Sponsored Entity Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	17,814	16,579
Gross Unrealized Gains	339	163
Gross Unrealized Losses	0	(6)
Estimated Fair Value	18,153	16,736
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	91,425	88,071
Gross Unrealized Gains	2,748	807
Gross Unrealized Losses	(4)	(296)
Estimated Fair Value	$ 94,169	$ 88,582

Securities, Amortized Cost an_2

Securities, Amortized Cost and Fair Value of Securities Held-to-maturity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	$ 10,020	$ 12,033
Gross Unrealized Gains	324	372
Gross Unrecognized Losses	0	(1)
Estimated Fair Value	10,344	12,404
Unrealized Losses and Other-than-temporary Impairment [Abstract]
Proceeds from sale of debt securities	0	0	$ 0
Debt securities	83,344	78,418
Other than temporary impairment losses	0	0
Obligations of States and Political Subdivisions [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	10,018	12,031
Gross Unrealized Gains	324	372
Gross Unrecognized Losses	0	(1)
Estimated Fair Value	10,342	12,402
Agency Mortgage-backed Securities, Residential [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	2	2
Gross Unrealized Gains	0	0
Gross Unrecognized Losses	0	0
Estimated Fair Value	$ 2	$ 2

Securities, Amortized Cost an_3

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 4,599
Due in one to five years	8,215
Due in five to ten years	5,000
Amortized Cost	109,239	$ 104,650
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	4,612
Due in one to five years	8,531
Due in five to ten years	5,010
Estimated Fair Value	112,322	105,318
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	2,016
Due in one to five years	4,107
Due in five to ten years	3,895
Amortized Cost	10,020	12,033
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	2,048
Due in one to five years	4,276
Due in five to ten years	4,018
Estimated Fair Value	10,344	12,404
Agency Mortgage-backed Securities, Residential [Member]
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Agency mortgage-backed securities, residential	91,425
Amortized Cost	91,425	88,071
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Agency mortgage-backed securities, residential	94,169
Estimated Fair Value	94,169	88,582
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Agency mortgage-backed securities, residential	2
Amortized Cost	2	2
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Agency mortgage-backed securities, residential	2
Estimated Fair Value	$ 2	$ 2

Securities, Available-for-sale

Securities, Available-for-sale Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 14,517	$ 15,041
12 Months or More - Fair Value	0	23,343
Fair Value	14,517	38,384
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(4)	(84)
12 Months or More - Unrealized Loss	0	(218)
Unrealized Loss	(4)	(302)
U.S. Government Sponsored Entity Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value		0
12 Months or More - Fair Value		1,999
Fair Value		1,999
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss		0
12 Months or More - Unrealized Loss		(6)
Unrealized Loss		(6)
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	14,517	15,041
12 Months or More - Fair Value	0	21,344
Fair Value	14,517	36,385
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(4)	(84)
12 Months or More - Unrealized Loss	0	(212)
Unrealized Loss	$ (4)	$ (296)

Securities, Held-to-Maturity Se

Securities, Held-to-Maturity Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) $ in Thousands	Dec. 31, 2019USD ($)
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	$ 204
12 Months or More - Fair Value	0
Fair Value	204
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	(1)
12 Months or More - Unrecognized Loss	0
Unrecognized Loss	(1)
Obligations of States and Political Subdivisions [Member]
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	204
12 Months or More - Fair Value	0
Fair Value	204
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	(1)
12 Months or More - Unrecognized Loss	0
Unrecognized Loss	$ (1)

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses, Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans [Abstract]
Total loans	$ 848,664	$ 772,774
Less: Allowance for loan losses	(7,160)	(6,272)	$ (6,728)	$ (7,499)
Net loans	841,504	766,502
Residential Real Estate [Member]
Loans [Abstract]
Total loans	305,478	310,253
Less: Allowance for loan losses	(1,480)	(1,250)	(1,583)	(1,470)
Commercial Real Estate [Member]
Loans [Abstract]
Total loans	253,449	222,136
Less: Allowance for loan losses	(2,431)	(1,928)	(2,186)	(2,978)
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total loans	51,863	55,825
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans [Abstract]
Total loans	164,523	131,398
Commercial Real Estate [Member] | Construction [Member]
Loans [Abstract]
Total loans	37,063	34,913
Commercial and Industrial [Member]
Loans [Abstract]
Total loans	157,692	100,023
Less: Allowance for loan losses	(1,776)	(1,447)	(1,063)	(1,024)
Commercial and Industrial [Member] | PPP [Member]
Loans [Abstract]
Total loans	27,933
Consumer [Member]
Loans [Abstract]
Total loans	132,045	140,362
Less: Allowance for loan losses	(1,473)	(1,647)	$ (1,896)	$ (2,027)
Consumer [Member] | Automobile [Member]
Loans [Abstract]
Total loans	55,241	63,770
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total loans	19,993	22,882
Consumer [Member] | Other [Member]
Loans [Abstract]
Total loans	$ 56,811	$ 53,710

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				$ 6,272				$ 6,728	$ 6,272	$ 6,728	$ 7,499
Provision for loan losses	$ (471)	$ (2)	$ (393)	3,846	$ (1,015)	$ 444	$ (806)	2,377	2,980	1,000	1,039
Loans charged off									(3,033)	(5,092)	(3,600)
Recoveries									941	3,636	1,790
Ending balance	7,160				6,272				7,160	6,272	6,728
Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				1,250				1,583	1,250	1,583	1,470
Provision for loan losses									413	98	772
Loans charged off									(340)	(1,060)	(874)
Recoveries									157	629	215
Ending balance	1,480				1,250				1,480	1,250	1,583
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				1,928				2,186	1,928	2,186	2,978
Provision for loan losses									946	(1,745)	(1,311)
Loans charged off									(559)	(602)	(4)
Recoveries									116	2,089	523
Ending balance	2,431				1,928				2,431	1,928	2,186
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				1,447				1,063	1,447	1,063	1,024
Provision for loan losses									443	1,807	(80)
Loans charged off									(185)	(1,513)	(208)
Recoveries									71	90	327
Ending balance	1,776				1,447				1,776	1,447	1,063
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				$ 1,647				$ 1,896	1,647	1,896	2,027
Provision for loan losses									1,178	840	1,658
Loans charged off									(1,949)	(1,917)	(2,514)
Recoveries									597	828	725
Ending balance	$ 1,473				$ 1,647				$ 1,473	$ 1,647	$ 1,896

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Allowance for Loans Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 807
Collectively evaluated for impairment	7,160	5,465
Total ending allowance balance	7,160	6,272	$ 6,728	$ 7,499
Loans [Abstract]
Loans individually evaluated for impairment	11,026	17,135
Loans collectively evaluated for impairment	837,638	755,639
Total ending loans balance	848,664	772,774
Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,480	1,250
Total ending allowance balance	1,480	1,250	1,583	1,470
Loans [Abstract]
Loans individually evaluated for impairment	411	438
Loans collectively evaluated for impairment	305,067	309,815
Total ending loans balance	305,478	310,253
Commercial Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	385
Collectively evaluated for impairment	2,431	1,543
Total ending allowance balance	2,431	1,928	2,186	2,978
Loans [Abstract]
Loans individually evaluated for impairment	5,845	11,300
Loans collectively evaluated for impairment	247,604	210,836
Total ending loans balance	253,449	222,136
Commercial and Industrial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	303
Collectively evaluated for impairment	1,776	1,144
Total ending allowance balance	1,776	1,447	1,063	1,024
Loans [Abstract]
Loans individually evaluated for impairment	4,686	4,910
Loans collectively evaluated for impairment	153,006	95,113
Total ending loans balance	157,692	100,023
Consumer [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	119
Collectively evaluated for impairment	1,473	1,528
Total ending allowance balance	1,473	1,647	$ 1,896	$ 2,027
Loans [Abstract]
Loans individually evaluated for impairment	84	487
Loans collectively evaluated for impairment	131,961	139,875
Total ending loans balance	$ 132,045	$ 140,362

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
With an allowance recorded [Abstract]
Unpaid principal balance	$ 0
Recorded investment	0	$ 7,010
Total [Abstract]
Unpaid principal balance	11,076	17,135	$ 14,376
Recorded investment	11,026	17,135	12,618
Allowance for Loan Losses Allocated	0	807	98
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	0
Interest income recognized - with an allowance recorded	0
Cash basis interest recognized - with an allowance recorded	0
Average impaired loans	8,276	15,153	11,067
Interest income recognized	510	1,268	748
Cash basis interest recognized	510	1,268	748
Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	418	438	1,667
Recorded investment	411	438	1,667
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	423	453	511
Interest income recognized - with no allowance recorded	21	23	101
Cash basis interest recognized - with no allowance recorded	21	23	101
Commercial Real Estate [Member] | Owner-occupied [Member]
With an allowance recorded [Abstract]
Unpaid principal balance		2,030
Recorded investment		2,030
With no related allowance recorded [Abstract]
Unpaid principal balance	5,256	1,778	2,527
Recorded investment	5,256	1,778	2,527
Total [Abstract]
Allowance for Loan Losses Allocated		385
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		1,375
Interest income recognized - with an allowance recorded		197
Cash basis interest recognized - with an allowance recorded		197
Average impaired loans - with no allowance recorded	3,417	1,902	2,475
Interest income recognized - with no allowance recorded	260	113	141
Cash basis interest recognized - with no allowance recorded	260	113	141
Commercial Real Estate [Member] | Nonowner-occupied [Member]
With an allowance recorded [Abstract]
Unpaid principal balance			362
Recorded investment			362
With no related allowance recorded [Abstract]
Unpaid principal balance	632	7,492	2,368
Recorded investment	589	7,492	946
Total [Abstract]
Allowance for Loan Losses Allocated			98
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded			367
Interest income recognized - with an allowance recorded			15
Cash basis interest recognized - with an allowance recorded			15
Average impaired loans - with no allowance recorded	626	6,160	1,912
Interest income recognized - with no allowance recorded	29	477	57
Cash basis interest recognized - with no allowance recorded	29	477	57
Commercial Real Estate [Member] | Construction [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance			336
Recorded investment			0
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded			0
Interest income recognized - with no allowance recorded			20
Cash basis interest recognized - with no allowance recorded			20
Commercial and Industrial [Member]
With an allowance recorded [Abstract]
Unpaid principal balance		4,861
Recorded investment		4,861
With no related allowance recorded [Abstract]
Unpaid principal balance	4,686	49	7,116
Recorded investment	4,686	49	7,116
Total [Abstract]
Allowance for Loan Losses Allocated		303
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		4,796
Interest income recognized - with an allowance recorded		319
Cash basis interest recognized - with an allowance recorded		319
Average impaired loans - with no allowance recorded	3,772	300	5,802
Interest income recognized - with no allowance recorded	196	111	414
Cash basis interest recognized - with no allowance recorded	196	111	$ 414
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	34	368
Recorded investment	34	368
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	28	143
Interest income recognized - with no allowance recorded	2	19
Cash basis interest recognized - with no allowance recorded	2	19
Consumer [Member] | Automobile [Member]
With an allowance recorded [Abstract]
Unpaid principal balance		8
Recorded investment		8
Total [Abstract]
Allowance for Loan Losses Allocated		8
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		2
Interest income recognized - with an allowance recorded		0
Cash basis interest recognized - with an allowance recorded		0
Consumer [Member] | Other [Member]
With an allowance recorded [Abstract]
Unpaid principal balance		111
Recorded investment		111
With no related allowance recorded [Abstract]
Unpaid principal balance	50
Recorded investment	50
Total [Abstract]
Allowance for Loan Losses Allocated		111
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		22
Interest income recognized - with an allowance recorded		9
Cash basis interest recognized - with an allowance recorded		$ 9
Average impaired loans - with no allowance recorded	10
Interest income recognized - with no allowance recorded	2
Cash basis interest recognized - with no allowance recorded	$ 2

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Nonaccrual Loans and Loans Past Due 90 Days or More and Still Accruing (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	$ 424	$ 889
Nonaccrual	6,503	9,149
Residential Real Estate [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Real estate acquired	43	68
Mortgage loans in process of foreclosure	1,097	1,780
Loans past due 90 days and still accruing	127	255
Nonaccrual	5,256	6,119
Commercial Real Estate [Member] | Owner-occupied [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	205	863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	362	804
Commercial Real Estate [Member] | Construction [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	156	229
Commercial and Industrial [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	15	0
Nonaccrual	149	590
Consumer [Member] | Automobile [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	146	239
Nonaccrual	129	61
Consumer [Member] | Home Equity [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	210	392
Consumer [Member] | Other [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	136	395
Nonaccrual	$ 36	$ 91

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	$ 10,807	$ 13,638
Loans not past due	837,857	759,136
Total ending loans balance	848,664	772,774
Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	5,004	7,111
Loans not past due	300,474	303,142
Total ending loans balance	305,478	310,253
Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total ending loans balance	253,449	222,136
Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,666	586
Loans not past due	50,197	55,239
Total ending loans balance	51,863	55,825
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	456	709
Loans not past due	164,067	130,689
Total ending loans balance	164,523	131,398
Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	82	254
Loans not past due	36,981	34,659
Total ending loans balance	37,063	34,913
Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,287	1,873
Loans not past due	156,405	98,150
Total ending loans balance	157,692	100,023
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total ending loans balance	132,045	140,362
Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,220	1,561
Loans not past due	54,021	62,209
Total ending loans balance	55,241	63,770
Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	398	403
Loans not past due	19,595	22,479
Total ending loans balance	19,993	22,882
Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	694	1,141
Loans not past due	56,117	52,569
Total ending loans balance	56,811	53,710
30 to 59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	6,002	7,567
30 to 59 Days Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	2,845	4,015
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	470	383
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	94	12
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	186
30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,112	1,320
30 to 59 Days Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	831	986
30 to 59 Days Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	204	106
30 to 59 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	446	559
60 to 89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,880	2,190
60 to 89 Days Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	496	1,314
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,003	59
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	0
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	82	19
60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	11	312
60 to 89 Days Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	131	329
60 to 89 Days Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	81	18
60 to 89 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	76	139
90 Days or More Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	2,925	3,881
90 Days or More Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,663	1,782
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	193	144
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	362	697
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	49
90 Days or More Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	164	241
90 Days or More Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	258	246
90 Days or More Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	113	279
90 Days or More Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	$ 172	$ 443

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses, TDR Loan Modifications (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 7,213	$ 8,552
Decrease in TDR loan balance	$ (1,339)
Percentage of decrease in TDR loan balance	15.70%
Specific allocations in reserves to customers	$ 0	227
Commitments to lend additional amounts to customers	1,100	941
Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	202	209
Commercial Real Estate [Member] | Owner-occupied [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		882
Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,486	1,521
Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	351	393
Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	384	393
Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	390	395
Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	4,400	4,574
Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		185
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	7,213	8,552
Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	202	209
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		882
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,486	1,521
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	351	393
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	384	393
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	390	395
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	4,400	4,574
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		185
Not Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 0	0
Not Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		$ 0

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses, TDRs Pre-modification and Post-modification (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Loan	Dec. 31, 2019USD ($)Loan	Dec. 31, 2018USD ($)
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan		2
Increase in provision expese and allowance for loan losses		$ 185
Impact on the allowance for loan losses and resulted in charge-offs		$ 0
Number of TDRs occurred | Loan	0	0
Troubled debt restructuring past due 90 days or more			$ 362
Aggregate loan balances	$ 841,504	$ 766,502
TDR recorded investment	$ 57,893	$ 50,586
CARES Act [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Total number of loans modified related to COVID 19 | Loan	827
Total Loans Modified, Non-trouble Debt Restructuring	$ 153,263
Number of remaining loans modified related to COVID 19 | Loan	116
Aggregate loan balances	$ 7,287
Aggregate loan amount that are reviewed risk categories	$ 1,000
Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan		1
Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan		1
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		$ 1,235
Post-modification recorded investment		1,235
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		1,036
Post-modification recorded investment		1,036
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		199
Post-modification recorded investment		199
Not Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		0
Post-modification recorded investment		0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		0
Post-modification recorded investment		0
Not Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		0
Post-modification recorded investment		$ 0

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses, Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loans Receivable [Abstract]
Loans receivable	$ 848,664	$ 772,774
Commercial Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	253,449	222,136
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	51,863	55,825
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	164,523	131,398
Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	37,063	34,913
Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	157,692	100,023
Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	411,141	322,159
Pass [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	46,604	49,486
Pass [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	160,324	123,847
Pass [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	37,063	34,864
Pass [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	150,786	89,749
Pass [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	394,777	297,946
Criticized [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	669	2,889
Criticized [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	3,629	0
Criticized [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	0	0
Criticized [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	2,064	298
Criticized [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	6,362	3,187
Classified [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	4,590	3,450
Classified [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	570	7,551
Classified [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	0	49
Classified [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	4,842	9,976
Classified [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	$ 10,002	$ 21,026

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses, Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loans Receivable [Abstract]
Loans receivable	$ 848,664	$ 772,774
Percentage of unsecured loans	4.22%	5.00%
Consumer [Member]
Loans Receivable [Abstract]
Loans receivable	$ 132,045	$ 140,362
Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	55,241	63,770
Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	19,993	22,882
Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	56,811	53,710
Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	305,478	310,253
Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	437,523	450,615
Performing [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	54,966	63,470
Performing [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	19,783	22,490
Performing [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	56,639	53,224
Performing [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	300,095	303,879
Performing [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	431,483	443,063
Nonperforming [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	275	300
Nonperforming [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	210	392
Nonperforming [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	172	486
Nonperforming [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	5,383	6,374
Nonperforming [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	$ 6,040	$ 7,552

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Premises and Equipment [Abstract]
Premises and equipment, gross	$ 34,994	$ 31,637
Less accumulated depreciation	13,682	12,420
Total premises and equipment	21,312	19,217
Premises and Equipment Held for Sale [Abstract]
Premises and equipment held for sale, Gross	717	716
Less accumulated depreciation	80	63
Total premises and equipment held for sale	637	653
Land [Member]
Premises and Equipment [Abstract]
Premises and equipment, gross	2,719	2,633
Premises and Equipment Held for Sale [Abstract]
Premises and equipment held for sale, Gross	153	153
Buildings [Member]
Premises and Equipment [Abstract]
Premises and equipment, gross	22,081	20,890
Premises and Equipment Held for Sale [Abstract]
Premises and equipment held for sale, Gross	564	563
Leasehold Improvements [Member]
Premises and Equipment [Abstract]
Premises and equipment, gross	1,302	1,267
Furniture and Equipment [Member]
Premises and Equipment [Abstract]
Premises and equipment, gross	$ 8,892	$ 6,847

Leases, Balance Sheet Informati

Leases, Balance Sheet Information (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Lessee, Operating Lease, Description [Abstract]
Finance lease	$ 0
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets	880	$ 1,053
Operating lease liabilities	$ 880	$ 1,053
ASU 2016-02 [Member]
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets			$ 1,280
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	9 months
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	16 years 6 months
Operating lease renewal term	15 years

Leases, Components of Lease Cos

Leases, Components of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Lease, Cost [Abstract]
Operating lease cost	$ 170	$ 282
Short-term lease expense	$ 31	$ 52

Leases, Maturities of Lease Lia

Leases, Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
2021	$ 157
2022	157
2023	116
2024	95
2025	94
Thereafter	452
Total lease payments	1,071
Less: Imputed Interest	(191)
Total operating leases	$ 880	$ 1,053

Leases, Other Information (Deta

Leases, Other Information (Details)	Dec. 31, 2020	Dec. 31, 2019
Other Information [Abstract]
Weighted-average remaining lease term for operating leases	9 years 7 months 6 days	10 years 7 months 6 days
Weighted-average discount rate for operating leases	2.79%	2.76%

Goodwill and Intangible Assets,

Goodwill and Intangible Assets, Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Goodwill [Roll Forward]
Beginning of year	$ 7,319	$ 7,371	$ 7,371
Finalization of Milton branch sale	0	(52)	0
End of year	7,319	7,319	$ 7,371
Goodwill impairment	$ 0	$ 0

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets, Acquired Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Acquired Intangible Assets [Abstract]
Aggregate amortization expense	$ 62	$ 206	$ 135
Core Deposits Intangibles [Member]
Acquired Intangible Assets [Abstract]
Gross Carrying Amount	738	738
Accumulated Amortization	$ 626	$ 564

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets, Future Estimated Amortization Expense (Details) $ in Thousands	Dec. 31, 2020USD ($)
Estimated Amortization Expense [Abstract]
2021	$ 48
2022	35
2023	21
2024	8
2025	0
Total	$ 112

Deposits, Interest-Bearing Depo

Deposits, Interest-Bearing Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Interest-bearing Deposits [Abstract]
NOW accounts	$ 185,364	$ 158,434
Savings and Money Market	286,937	230,672
Time [Abstract]
In denominations of $250,000 or less	165,834	175,334
In denominations of more than $250,000	40,827	34,424
Total time deposits	206,661	209,758
Total interest-bearing deposits	$ 678,962	$ 598,864

Deposits, Time Deposits (Detail

Deposits, Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Maturities of Time Deposits [Abstract]
2021	$ 136,634
2022	51,677
2023	13,727
2024	3,289
2025	1,147
Thereafter	187
Total time deposits	206,661	$ 209,758
Brokered deposits	$ 18,834	$ 25,797

Interest Rate Swaps (Details)

Interest Rate Swaps (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Interest Rate Swaps [Abstract]
Derivative asset, Notional amount	$ 10,967	$ 7,633
Derivative asset, Fair value	913	459
Collateral deposits	$ 1,250	$ 750

Other Borrowed Funds (Details)

Other Borrowed Funds (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Promissorynote	Dec. 31, 2019USD ($)
Other Borrowed Funds [Abstract]
Other borrowings	$ 27,863	$ 33,991
FHLB Advances - variable rate loans	0
Cash management advances, maximum borrowing amount	$ 100,000
Cash management advances, maturity period	90 days
Cash management advances, available borrowing amount	$ 100,000
Number of promissory notes payable to related parties | Promissorynote	6
Scheduled Repayments of FHLB Advances [Abstract]
2021	$ 6,332
2022	2,683
2023	2,542
2024	2,173
2025	1,897
Thereafter	12,236
Other borrowings	$ 27,863	$ 33,991
Minimum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	1.53%
Maximum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	3.31%
Weighted Average [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	2.40%	2.39%
Mortgage Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	$ 297,281
Commercial Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	57,457
FHLB Stock [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	5,365
Cash management advances, maximum borrowing amount	204,060
Cash management advances, available borrowing amount	102,656
FHLB Borrowings [Member]
Other Borrowed Funds [Abstract]
Other borrowings	24,665	$ 29,758
Scheduled Repayments of FHLB Advances [Abstract]
2021	3,134
2022	2,683
2023	2,542
2024	2,173
2025	1,897
Thereafter	12,236
Other borrowings	24,665	29,758
Promissory Notes [Member]
Other Borrowed Funds [Abstract]
Other borrowings	$ 3,198	$ 4,233
Maturity date of promissory notes issued	Dec. 9, 2021
Weighted average interest rate	2.20%	2.73%
Notes payable to related parties	$ 3,198
Notes payable to other banks	0	$ 405
Scheduled Repayments of FHLB Advances [Abstract]
2021	3,198
2022	0
2023	0
2024	0
2025	0
Thereafter	0
Other borrowings	$ 3,198	4,233
Promissory Notes [Member] | Minimum [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.00%
Promissory Notes [Member] | Maximum [Member]
Other Borrowed Funds [Abstract]
Interest rate	2.85%
FHLB Line of Credit [Member]
Other Borrowed Funds [Abstract]
Letters of credit issued	$ 76,740	$ 56,500

Subordinated Debentures and T_2

Subordinated Debentures and Trust Preferred Securities (Details) - USD ($) $ in Thousands	Mar. 15, 2012	May 22, 2007	Dec. 31, 2020	Dec. 31, 2019
Subordinated Debentures and Trust Preferred Securities [Abstract]
Proceeds from issuance of adjustable rate trust preferred securities		$ 8,500
Interest rate		6.58%	1.90%	3.57%
Interest payable term			5 years
Term of variable rate			3 months
Debt issuance costs			$ 0	$ 0
Subordinated debentures must be redeemed no later than			Jun. 15, 2037
Trust preferred securities deferrable period for not considering default			5 years
3-month LIBOR [Member]
Subordinated Debentures and Trust Preferred Securities [Abstract]
Basis spread on variable rate	1.68%

Income Taxes, Components of Pro

Income Taxes, Components of Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Provision for Income Taxes [Abstract]
Current tax expense	$ 2,036	$ 1,446	$ 2,389
Deferred tax (benefit) expense	12	367	(134)
Total income taxes	$ 2,048	$ 1,813	$ 2,255

Income Taxes, Deferred Tax Asse

Income Taxes, Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Items Giving Rise to Deferred Tax Assets [Abstract]
Allowance for loan losses	$ 1,557	$ 1,364
Deferred compensation	1,822	1,700
Deferred loan fees/costs	136	110
Other real estate owned	1	4
Accrued bonus	212	204
Purchase accounting adjustments	18	24
Net operating loss	99	115
Lease liability	235	274
Other	339	346
Items Giving Rise to Deferred Tax Liabilities [Abstract]
Mortgage servicing rights	(100)	(77)
FHLB stock dividends	(676)	(676)
Unrealized gain on securities available for sale	(647)	(140)
Prepaid expenses	(202)	(182)
Depreciation and amortization	(894)	(579)
Right-of-use asset	(235)	(274)
Other	0	0
Net deferred tax asset	1,665	$ 2,213
Operating Loss Carryforwards [Abstract]
Operating loss carryforwards	$ 471
Operating loss carryforwards, expiration date	Dec. 31, 2026

Income Taxes, Income Tax Reconc

Income Taxes, Income Tax Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Taxes [Abstract]
Federal income tax rate	21.00%	21.00%	21.00%
Reconciliation of Financial Statement Tax Provision [Abstract]
Statutory tax	$ 2,584	$ 2,461	$ 2,982
Effect of nontaxable interest	(348)	(336)	(352)
Effect of nontaxable insurance premiums	(210)	(212)	(218)
Income from bank owned insurance, net	(161)	(141)	(142)
Effect of postretirement benefits	124	54	20
Effect of state income tax	125	100	33
Tax credits	(102)	(145)	(217)
Other items	36	32	149
Total income taxes	2,048	1,813	2,255
Unrecognized tax benefits	0	0
Interest and/or penalties related to income tax	$ 0	$ 0	$ 0
Open tax years	2017 2018 2019

Commitments and Contingent Li_3

Commitments and Contingent Liabilities, Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fixed Rate [Member] | Minimum [Member]
Commitments and conditional obligations [Abstract]
Interest rate	2.50%
Maturity period	15 years
Fixed Rate [Member] | Maximum [Member]
Commitments and conditional obligations [Abstract]
Interest rate	6.25%
Maturity period	30 years
Standby Letters of Credit [Member]
Commitments and conditional obligations [Abstract]
Commitments and conditional obligations	$ 3,373	$ 3,957
Standby Letters of Credit [Member] | Fixed Rate [Member]
Commitments and conditional obligations [Abstract]
Commitments and conditional obligations	1,127	660
Standby Letters of Credit [Member] | Variable Rate [Member]
Commitments and conditional obligations [Abstract]
Commitments and conditional obligations	$ 83,956	$ 70,561

Related Party Transactions (Det

Related Party Transactions (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Period	Dec. 31, 2019USD ($)
Related Party Transactions [Abstract]
Minimum related party loan	$ 120
Loans and Leases Receivable, Related Parties [Roll Forward]
Total loans at January 1, 2020	3,974
New loans	54
Repayments	(1,588)
Other changes	289
Total loans at December 31, 2020	$ 2,729
Related Party Transactions [Abstract]
Number of reporting period of loan | Period	1
Principal Officers, Directors and their Affiliates [Member]
Related Party Transactions [Abstract]
Related party deposit liabilities	$ 94,056	$ 47,911
Directors and their Affiliates [Member]
Related Party Transactions [Abstract]
Notes payable to related parties	$ 3,198	$ 3,558
Directors and their Affiliates [Member] | Minimum [Member]
Related Party Transactions [Abstract]
Interest rate	1.00%
Debt instrument, term	10 months
Directors and their Affiliates [Member] | Maximum [Member]
Related Party Transactions [Abstract]
Interest rate	2.85%
Debt instrument, term	24 months

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Employee Benefit Plans [Abstract]
Total number of shares held by ESOP (in shares)	298,294	365,274
Number of ESOP shares allocated (in shares)	298,294	365,274
ESOP Trust [Abstract]
Number of shares issued (in shares)	0	8,333	7,294
Fair value of stock contributed	$ 0	$ 328	$ 295
Cash contributed	614	500	500
Total expense	614	828	795
Cash surrender value of life insurance contracts	33,829
Cash surrender value of annuity assets	2,170
Expected payments of covered individuals	8,377	7,815
Deferred Profit Sharing [Member]
Employee Benefit Plans [Abstract]
Contributions charged to expense	242	264	352
Supplemental Employee Retirement Plan [Member]
ESOP Trust [Abstract]
Expenses related to plan	743	627	$ 602
Postretirement Benefit [Member]
ESOP Trust [Abstract]
Total postretirement benefit	$ 3,721	$ 3,130

Fair Value of Financial Instr_3

Fair Value of Financial Instruments, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Fair Value of Financial Instruments [Abstract]
Selling costs percentage	10.00%
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0	$ 0
Liabilities, fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	928	465
Liabilities, fair value	(928)	(465)
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	18,153	16,736
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	94,169	88,582
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Liabilities, fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0	$ 0

Fair Value of Financial Instr_4

Fair Value of Financial Instruments, Assets and Liabilities Measured on Nonrecurring Basis (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0
Liabilities, fair value	$ 0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial Real Estate [Member] | Nonowner Occupied [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Commercial Real Estate [Member] | Nonowner Occupied [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial Real Estate [Member] | Nonowner Occupied [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		1,644
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 4,559

Fair Value of Financial Instr_5

Fair Value of Financial Instruments, Quantitative Information about Level 3 Inputs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	$ 0	$ 7,010
Impaired financing receivable, related allowance	0	807	$ 98
Financing receivable, provision expense		807
Financing receivable, charge-offs		0
Other real estate	0	0
Other real estate, write-down	$ 0	0
Commercial Real Estate [Member] | Owner Occupied [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment		2,030
Impaired financing receivable, related allowance		385
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment			362
Impaired financing receivable, related allowance			$ 98
Commercial and Industrial [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment		4,861
Impaired financing receivable, related allowance		303
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, fair value		$ 1,644
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs		0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs		0.2
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs		0.097
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, fair value		$ 4,559
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs		0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs		0.61
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs		0.103

Fair Value of Financial Instr_6

Fair Value of Financial Instruments, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	$ 138,303	$ 52,356
Certificates of deposit in financial institutions	2,500	2,360
Securities available for sale	112,322	105,318
Securities held to maturity	10,020	12,033
Loans, net	841,504	766,502
Interest rate swap derivatives	928	465
Accrued interest receivable	3,319	2,564
Financial Liabilities [Abstract]
Deposits	993,739	821,471
Other borrowed funds	27,863	33,991
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	928	465
Accrued interest payable	1,100	1,589
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	138,303	52,356
Certificates of deposit in financial institutions	2,500	2,360
Securities available for sale	112,322	105,318
Securities held to maturity	10,344	12,404
Loans, net	837,387	771,285
Interest rate swap derivatives	928	465
Accrued interest receivable	3,319	2,564
Financial Liabilities [Abstract]
Deposits	995,681	822,544
Other borrowed funds	29,807	34,345
Subordinated debentures	5,556	6,275
Interest rate swap derivatives	928	465
Accrued interest payable	1,100	1,589
Estimated Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	138,303	52,356
Certificates of deposit in financial institutions	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	0	0
Interest rate swap derivatives	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	314,777	222,607
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	1	3
Estimated Fair Value [Member] | Level 2 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	2,500	2,360
Securities available for sale	112,322	105,318
Securities held to maturity	4,989	6,446
Loans, net	0	0
Interest rate swap derivatives	928	465
Accrued interest receivable	283	315
Financial Liabilities [Abstract]
Deposits	680,904	599,937
Other borrowed funds	29,807	34,345
Subordinated debentures	5,556	6,275
Interest rate swap derivatives	928	465
Accrued interest payable	1,099	1,586
Estimated Fair Value [Member] | Level 3 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	0	0
Securities available for sale	0	0
Securities held to maturity	5,355	5,958
Loans, net	837,387	771,285
Interest rate swap derivatives	0	0
Accrued interest receivable	3,036	2,249
Financial Liabilities [Abstract]
Deposits	0	0
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	$ 0	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2020USD ($)Classification	Dec. 31, 2019USD ($)
Regulatory Matters [Abstract]
Number of classifications of prompt corrective action regulations | Classification		5
Total capital (to risk weighted assets) [Abstract]
Actual Amount			$ 134,930
Actual Ratio			0.187
Minimum Regulatory Capital Ratio	[1]		0.080
Minimum To Be Well Capitalized	[2]		0.100
Common equity Tier 1 capital (to risk weighted assets) [Abstract]
Actual Amount			$ 120,158
Actual Ratio			0.166
Minimum Regulatory Capital Ratio	[1]		0.045
Tier 1 capital (to risk weighted assets) [Abstract]
Actual Amount			$ 128,658
Actual Ratio			0.178
Minimum Regulatory Capital Ratio	[1]		0.060
Minimum To Be Well Capitalized	[2]		0.060
Tier 1 capital (to average assets) [Abstract]
Actual Amount		$ 134,957	$ 128,658
Actual Ratio		0.117	0.125
Minimum Regulatory Capital Ratio	[1]		0.040
To Be Well Capitalized Under Prompt Corrective Action Regulations Amount		$ 91,937
To Be Well Capitalized Under Prompt Corrective Action Regulations Ratio		0.080
Minimum assets SBHCP requires		$ 13,465
Bank [Member]
Total capital (to risk weighted assets) [Abstract]
Actual Amount			$ 120,716
Actual Ratio			0.170
Minimum Regulatory Capital Ratio	[1]		0.080
Minimum To Be Well Capitalized	[2]		0.100
Common equity Tier 1 capital (to risk weighted assets) [Abstract]
Actual Amount			$ 114,772
Actual Ratio			0.161
Minimum Regulatory Capital Ratio	[1]		0.045
Minimum To Be Well Capitalized	[2]		0.065
Tier 1 capital (to risk weighted assets) [Abstract]
Actual Amount			$ 114,772
Actual Ratio			0.161
Minimum Regulatory Capital Ratio	[1]		0.060
Minimum To Be Well Capitalized	[2]		0.080
Tier 1 capital (to average assets) [Abstract]
Actual Amount		$ 120,989	$ 114,772
Actual Ratio		0.107	0.113
Minimum Regulatory Capital Ratio	[1]		0.040
Minimum To Be Well Capitalized	[2]		0.050
To Be Well Capitalized Under Prompt Corrective Action Regulations Amount		$ 90,407
To Be Well Capitalized Under Prompt Corrective Action Regulations Ratio		0.080
[1]	Excludes capital conservation buffer of 2.50%.
[2]	For the Company, these amounts would be required for the Company to engage in activities permissible only for a bank holding company that meets the financial holding company requirements if the Company were not subject to the SBHCP. For the Bank, these are the amounts required for the Bank to be deemed well capitalized under the prompt corrective action regulations.

Parent Company Only Condensed_3

Parent Company Only Condensed Financial Information, Condensed Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets [Abstract]
Cash and cash equivalents	$ 138,303	$ 52,356
Other assets	5,150	5,081
Total assets	1,186,932	1,013,272	$ 1,030,493
Liabilities [Abstract]
Subordinated debentures	8,500	8,500
Total liabilities	1,050,608	885,093
Shareholders' Equity [Abstract]
Total shareholders' equity	136,324	128,179	117,874	$ 109,361
Total liabilities and shareholders' equity	1,186,932	1,013,272
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	4,112	4,308	$ 4,032	$ 3,292
Investment in subsidiaries	143,424	134,910
Notes receivable - subsidiaries	1,603	1,963
Other assets	32	48
Total assets	149,171	141,229
Liabilities [Abstract]
Notes payable	3,198	4,233
Subordinated debentures	8,500	8,500
Other liabilities	1,149	317
Total liabilities	12,847	13,050
Shareholders' Equity [Abstract]
Total shareholders' equity	136,324	128,179
Total liabilities and shareholders' equity	$ 149,171	$ 141,229

Parent Company Only Condensed_4

Parent Company Only Condensed Financial Information, Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income [Abstract]
Dividends from subsidiaries									$ 245	$ 393	$ 440
Expenses [Abstract]
Interest on subordinated debentures									208	356	330
Income before income taxes and equity in undistributed earnings of subsidiaries..									12,307	11,720	14,199
Income tax benefit									(2,048)	(1,813)	(2,255)
NET INCOME	$ 4,700	$ 2,294	$ 2,263	$ 1,002	$ 3,498	$ 2,137	$ 3,079	$ 1,193	10,259	9,907	11,944
Comprehensive Income									12,167	12,570	10,860
Parent Company [Member]
Income [Abstract]
Interest on notes									41	47	53
Dividends from subsidiaries									4,125	4,375	4,225
Expenses [Abstract]
Interest on notes									82	139	185
Interest on subordinated debentures									208	356	330
Operating expenses									344	377	351
Income before income taxes and equity in undistributed earnings of subsidiaries..									3,532	3,550	3,412
Income tax benefit									121	169	164
Equity in undistributed earnings of subsidiaries									6,606	6,188	8,368
NET INCOME									10,259	9,907	11,944
Comprehensive Income									$ 12,167	$ 12,570	$ 10,860

Parent Company Only Condensed_5

Parent Company Only Condensed Financial Information, Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities [Abstract]
Net Income	$ 4,700	$ 2,294	$ 2,263	$ 1,002	$ 3,498	$ 2,137	$ 3,079	$ 1,193	$ 10,259	$ 9,907	$ 11,944
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Common stock issued to ESOP									0	(328)	(295)
Change in other assets									(408)	1,528	1,996
Net cash provided by operating activities									12,491	14,753	18,141
Cash flows from investing activities [Abstract]
Net cash provided by (used in) investing activities									(88,685)	(26,409)	(12,726)
Cash flows from financing activities [Abstract]
Proceeds from common stock through dividend reinvestment									0	1,407	1,325
Cash dividends paid									(4,022)	(4,000)	(3,967)
Net cash provided by (used in) by financing activities									162,141	(7,168)	(8,808)
Cash and cash equivalents [Abstract]
Cash and cash equivalents at beginning of year				52,356					52,356
Cash and cash equivalents at end of year	138,303				52,356				138,303	52,356
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net Income									10,259	9,907	11,944
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed earnings of subsidiaries									(6,606)	(6,188)	(8,368)
Common stock issued to ESOP									0	328	295
Change in other assets									16	45	(26)
Change in other liabilities									832	(214)	262
Net cash provided by operating activities									4,501	3,878	4,107
Cash flows from investing activities [Abstract]
Change in notes receivable									360	1,037	320
Net cash provided by (used in) investing activities									360	1,037	320
Cash flows from financing activities [Abstract]
Change in notes payable									(1,035)	(2,046)	(1,045)
Proceeds from common stock through dividend reinvestment									0	1,407	1,325
Cash dividends paid									(4,022)	(4,000)	(3,967)
Net cash provided by (used in) by financing activities									(5,057)	(4,639)	(3,687)
Cash and cash equivalents [Abstract]
Change in cash and cash equivalents									(196)	276	740
Cash and cash equivalents at beginning of year				$ 4,308				$ 4,032	4,308	4,032	3,292
Cash and cash equivalents at end of year	$ 4,112				$ 4,308				$ 4,112	$ 4,308	$ 4,032

Segment Information (Details)

Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Segment Information [Abstract]
Net interest income	$ 10,101	$ 10,082	$ 9,795	$ 10,004	$ 10,386	$ 10,626	$ 10,653	$ 11,387	$ 39,982	$ 43,052	$ 43,726
Provision expense	(471)	(2)	(393)	3,846	(1,015)	444	(806)	2,377	2,980	1,000	1,039
Noninterest income	2,313	2,434	2,249	4,442	3,210	2,107	2,003	1,846	11,438	9,166	8,938
Noninterest expense	7,121	9,891	9,602	9,519	10,401	9,738	9,791	9,568	36,133	39,498	37,426
Tax expense									2,048	1,813	2,255
Net income	4,700	$ 2,294	$ 2,263	$ 1,002	3,498	$ 2,137	$ 3,079	$ 1,193	10,259	9,907	11,944
Assets	1,186,932				1,013,272				1,186,932	1,013,272	1,030,493
Banking [Member]
Segment Information [Abstract]
Net interest income									37,825	39,865	40,380
Provision expense									2,945	875	850
Noninterest income									10,344	8,989	8,243
Noninterest expense									33,693	37,026	34,841
Tax expense									1,886	1,653	1,990
Net income									9,645	9,300	10,942
Assets	1,173,820				1,000,315				$ 1,173,820	$ 1,000,315	$ 1,017,902
Banking [Member] | Revenues [Member] | Customer Concentration Risk [Member]
Segment Information [Abstract]
Concentration percentage									94.30%	94.20%	92.90%
Consumer Finance [Member]
Segment Information [Abstract]
Net interest income									$ 2,157	$ 3,187	$ 3,346
Provision expense									35	125	189
Noninterest income									1,094	177	695
Noninterest expense									2,440	2,472	2,585
Tax expense									162	160	265
Net income									614	607	1,002
Assets	$ 13,112				$ 12,957				$ 13,112	$ 12,957	$ 12,591

Consolidated Quarterly Financ_3

Consolidated Quarterly Financial Information (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Consolidated Quarterly Financial Information (Unaudited) [Abstract]
Total interest income	$ 11,415	$ 11,574	$ 11,399	$ 11,785	$ 12,255	$ 12,521	$ 12,483	$ 13,058	$ 46,173	$ 50,317	$ 49,197
Total interest expense	1,314	1,492	1,604	1,781	1,869	1,895	1,830	1,671	6,191	7,265	5,471
Net interest income	10,101	10,082	9,795	10,004	10,386	10,626	10,653	11,387	39,982	43,052	43,726
Provision for loan losses	(471)	(2)	(393)	3,846	(1,015)	444	(806)	2,377	2,980	1,000	1,039
Noninterest income	2,313	2,434	2,249	4,442	3,210	2,107	2,003	1,846	11,438	9,166	8,938
Noninterest expense	7,121	9,891	9,602	9,519	10,401	9,738	9,791	9,568	36,133	39,498	37,426
Net income	$ 4,700	$ 2,294	$ 2,263	$ 1,002	$ 3,498	$ 2,137	$ 3,079	$ 1,193	$ 10,259	$ 9,907	$ 11,944
Earnings per share (in dollars per share)	$ 0.98	$ 0.48	$ 0.47	$ 0.21	$ 0.73	$ 0.45	$ 0.65	$ 0.25	$ 2.14	$ 2.08	$ 2.53