Unity Bancorp (UNTY) 10-K 4 Mar 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 04, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Entity Registrant Name	UNITY BANCORP INC /NJ/
Entity Central Index Key	920,427
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		8,455,222
Trading Symbol	unty
Entity Public Float			$ 51,641,438
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Well-known Seasoned Issuer	No

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks		$ 22,681	$ 29,351
Federal funds sold and interest-bearing deposits		65,476	100,470
Cash and cash equivalents		88,157	129,821
Securities:
Securities available for sale		52,865	60,073
Securities held to maturity (fair value of $18,607 and $20,281 in 2015 and 2014, respectively)		18,471	20,009
Total securities		71,336	80,082
Loans:
SBA loans held for sale		13,114	5,179
SBA loans held for investment		39,393	40,401
SBA 504 loans		29,353	34,322
Commercial loans		465,518	401,949
Residential mortgage loans		264,523	220,878
Consumer loans		77,057	59,096
Total loans		888,958	761,825
Allowance for loan losses		(12,759)	(12,551)
Net loans		876,199	749,274
Premises and equipment, net		15,171	15,231
Bank owned life insurance		13,381	13,001
Deferred tax assets		5,968	5,860
Federal Home Loan Bank stock		4,600	6,032
Accrued interest receivable		3,884	3,518
Other real estate owned		1,591	1,162
Goodwill and other intangibles		1,516	1,516
Other assets		3,063	3,291
Total assets		1,084,866	1,008,788
Liabilities:
Deposits: Noninterest-bearing demand		185,267	152,785
Deposits: Interest-bearing demand		130,605	128,875
Deposits: Savings		301,447	300,348
Time deposits, under $100,000		134,468	113,119
Time deposits, $100,000 and over, under $250,000		104,106	81,532
Time deposits, $250,000 and over		38,600	17,682
Total deposits		894,493	794,341
Borrowed funds		92,000	125,000
Subordinated debentures		15,465	15,465
Accrued interest payable		461	474
Accrued expenses and other liabilities		3,977	3,385
Total liabilities		1,006,396	938,665
Shareholders' equity:
Common stock, no par value, 12,500 shares authorized, 8,436 shares issued and outstanding in 2015; 8,388 shares issued and outstanding in 2014		59,371	58,785
Retained earnings		19,566	11,195
Accumulated other comprehensive (loss) income	[1]	(467)	143
Total shareholders' equity		78,470	70,123
Total liabilities and shareholders' equity		$ 1,084,866	$ 1,008,788
[1]	All amounts are net of tax.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Held to maturity securities, fair value	$ 18,607	$ 20,281
Common stock, no par value	$ 0	$ 0
Common stock, shares authorized	12,500,000	12,500,000
Common stock, shares issued	8,436,000	8,388,000
Common stock, shares outstanding	8,436,000	8,388,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
INTEREST INCOME
Federal funds sold and interest-bearing deposits	$ 39	$ 44
FHLB stock	155	165
Securities:
Taxable	1,459	2,183
Tax-exempt	284	355
Total securities	1,743	2,538
Loans:
SBA loans	2,693	2,467
SBA 504 loans	1,414	1,676
Commercial loans	21,357	19,329
Residential mortgage loans	11,048	8,898
Consumer loans	3,202	2,301
Total loans	39,714	34,671
Total interest income	41,651	37,418
INTEREST EXPENSE
Interest-bearing demand deposits	438	430
Savings deposits	1,088	856
Time deposits	3,160	2,777
Borrowed funds and subordinated debentures	2,974	3,243
Total interest expense	7,660	7,306
Net interest income	33,991	30,112
Provision for loan losses	500	2,550
Net interest income after provision for loan losses	33,491	27,562
NONINTEREST INCOME
Branch fee income	1,520	1,469
Service and loan fee income	1,334	1,260
Gain on sale of SBA loans held for sale, net	1,204	975
Gain on sale of mortgage loans, net	2,336	1,139
BOLI income	380	559
Net security gains	28	433
Other income	927	844
Total noninterest income	7,729	6,679
NONINTEREST EXPENSE
Compensation and benefits	14,295	12,750
Occupancy	2,515	2,478
Processing and communications	2,461	2,461
Furniture and equipment	1,643	1,510
Professional services	942	748
Loan costs	759	780
OREO expenses	382	485
Deposit insurance	669	677
Advertising	1,030	998
Other expenses	2,156	1,801
Total noninterest expense	26,852	24,688
Income before provision for income taxes	14,368	9,553
Provision for income taxes	4,811	3,145
Net income	$ 9,557	$ 6,408
Net income per common share - Basic	$ 1.13	$ 0.82
Net income per common share - Diluted	$ 1.12	$ 0.81
Weighted average common shares outstanding - Basic	8,425	7,856
Weighted average common shares outstanding - Diluted	8,529	7,945

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Comprehensive Income [Abstract]
Net income, before tax amount		$ 14,368	$ 9,553
Income tax expense (benefit)		4,811	3,145
Net income		9,557	6,408
Other comprehensive (loss) income
Unrealized holding (losses) gains on securities arising during the period, before tax		(211)	1,446
Unrealized holding (losses) gains on securities arising during the period, tax		(84)	537
Unrealized holding (losses) gains on securities arising during the period, net		(127)	909
Less: reclassification adjustment for gains on securities included in net income, before tax		28	433
Less: reclassification adjustment for gains on securities included in net income, tax		10	143
Less: reclassification adjustment for gains on securities included in net income, net of tax		18	290
Total unrealized (losses) gains on securities available for sale, before tax		(239)	1,013
Total unrealized (losses) gains on securities available for sale, tax		(94)	394
Total unrealized (losses) gains on securities available for sale, net of tax		(145)	619
Adjustments related to defined benefit plan, Initial recognition of prior service cost, before tax		(830)
Adjustments related to defined benefit plan, Initial recognition of prior service cost, tax		(332)
Adjustments related to defined benefit plan, Initial recognition of prior service cost, net of tax		(498)
Adjustments related to defined benefit plan, Amortization of prior service cost, before tax		83
Adjustments related to defined benefit plan, Amortization of prior service cost, tax		33
Adjustments related to defined benefit plan, Amortization of prior service cost, net of tax		50
Total adjustments related to defined benefit plan, before tax		(747)
Total adjustments related to defined benefit plan, tax		(299)
Total adjustments related to defined benefit plan, net of tax		(448)
Unrealized holding loss on cash flow hedges arising during the period, before tax		(28)
Unrealized holding loss on cash flow hedges arising during the period, tax		(11)
Unrealized holding loss on cash flow hedges arising during the period, net of tax		(17)
Total unrealized loss on cash flow hedges, before tax		(28)
Total unrealized loss on cash flow hedges, tax		(11)
Total unrealized loss on cash flow hedges, net of tax		(17)
Total other comprehensive (loss) income, before tax		(1,014)	1,013
Total other comprehensive (loss) income, tax		(404)	394
Total other comprehensive (loss) income, net	[1]	(610)	619
Total comprehensive income, before tax		13,354	10,566
Total Comprehensive Income Tax		4,407	3,539
Total comprehensive income		$ 8,947	$ 7,027
[1]	All amounts are net of tax.

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholder's Equity - USD ($) shares in Thousands, $ in Thousands		Common Stock [Member]	Retained Earnings (Deficit) [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Shareholders' equity at Dec. 31, 2013		$ 52,051	$ 5,598	$ (476)	$ 57,173
Common Stock, Shares, Beginning Balance at Dec. 31, 2013		7,577
Net income			6,408		6,408
Other comprehensive income (loss), net of tax				619	619	[1]
Dividends on common stock		$ 54	(811)		(757)
Common stock issued and related tax effects	[2]	$ 537			537
Common stock issued and related tax effects, shares	[2]	50
Proceeds from rights offering		$ 6,143			6,143
Proceeds from rights offering, shares		761
Shareholders' equity at Dec. 31, 2014		$ 58,785	11,195	143	$ 70,123
Common Stock, Shares, Ending Balance at Dec. 31, 2014		8,388			8,388
Net income			9,557		$ 9,557
Other comprehensive income (loss), net of tax				(610)	(610)	[1]
Dividends on common stock		$ 77	(1,186)		(1,109)
Common stock issued and related tax effects	[2]	$ 509			509
Common stock issued and related tax effects, shares	[2]	48
Shareholders' equity at Dec. 31, 2015		$ 59,371	$ 19,566	$ (467)	$ 78,470
Common Stock, Shares, Ending Balance at Dec. 31, 2015		8,436			8,436
[1]	All amounts are net of tax.
[2]	Includes the issuance of common stock under employee benefit plans, which includes nonqualified stock options and restricted stock

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Common stock, dividends, per share, cash paid	$ 0.14	$ 0.10

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
OPERATING ACTIVITIES:
Net income	$ 9,557	$ 6,408
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	500	2,550
Net amortization of purchase premiums and discounts on securities	514	552
Depreciation and amortization	530	1,385
Deferred income tax expense	367	498
Net security gains	(28)	(433)
Stock compensation expense	450	398
Loss on sale of OREO	247	138
Valuation writedowns on OREO		12
Gain on sale of mortgage loans held for sale, net	(1,779)	(923)
Gain on sale of SBA loans held for sale, net	(1,204)	(975)
Origination of mortgage loans held for sale	(94,259)	(59,194)
Origination of SBA loans held for sale	(22,543)	(9,994)
Proceeds from sale of mortgage loans held for sale, net	96,038	60,117
Proceeds from sale of SBA loans held for sale, net	15,297	11,345
BOLI income	(380)	(559)
Net change in other assets and liabilities	(325)	392
Net cash provided by operating activities	2,982	11,717
INVESTING ACTIVITIES:
Purchases of securities held to maturity	(1,264)	(308)
Purchases of securities available for sale	(2,255)	(9,947)
Purchases of FHLB stock, at cost	(16,568)	(8,570)
Maturities and principal payments on securities held to maturity	2,717	6,589
Maturities and principal payments on securities available for sale	8,295	9,863
Proceeds from sale of securities available for sale	528	22,129
Proceeds from redemption of FHLB stock	18,000	7,930
Proceeds from sale of OREO	4,272	3,344
Net increase in loans	(123,463)	(91,139)
Proceeds from BOLI		307
Purchases of premises and equipment	(951)	(597)
Net cash used in investing activities	(110,689)	(60,399)
FINANCING ACTIVITIES:
Net increase in deposits	100,152	55,643
Proceeds from new borrowings	47,000	50,000
Repayments of borrowings	(80,000)	(32,000)
Proceeds from exercise of stock options		70
Dividends on common stock	(1,109)	(757)
Proceeds from rights offering		6,143
Net cash provided by financing activities	66,043	79,099
(Decrease) increase in cash and cash equivalents	(41,664)	30,417
Cash and cash equivalents, beginning of period	129,821	99,404
Cash and cash equivalents, end of period	88,157	129,821
SUPPLEMENTAL DISCLOSURES:
Interest paid	7,673	7,285
Cash: Income taxes paid	4,791	2,244
Noncash investing activities:
Transfer of SBA loans held for sale to held to maturity	86	138
Capitalization of servicing rights	927	483
Transfer of loans to OREO	$ 4,948	$ 4,318

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. Summary of Significant Accounting Policies Overview The accompanying Consolidated Financial Statements include the accounts of Unity Bancorp, Inc. (the “Parent Company”) and its wholly-owned subsidiary, Unity Bank (the “Bank” or when consolidated with the Parent Company, the “Company”). All significant intercompany balances and transactions have been eliminated in consolidation. Unity Bancorp, Inc. is a bank holding company incorporated in New Jersey and registered under the Bank Holding Company Act of 1956, as amended. Its wholly-owned subsidiary, the Bank, is chartered by the New Jersey Department of Banking and Insurance. The Bank provides a full range of commercial and retail banking services through fifteen branch offices located in Hunterdon, Middlesex, Somerset, Union and Warren counties in New Jersey and Northampton County in Pennsylvania. These services include the acceptance of demand, savings, and time deposits and the extension of consumer, real estate, Small Business Administration (“SBA”) and other commercial credits. Unity Bank has nine wholly-owned subsidiaries: Unity Investment Services, Inc., AJB Residential Realty Enterprises, Inc., AJB Commercial Realty, Inc., MKCD Commercial, Inc., JAH Commercial, Inc., UB Commercial LLC, ASBC Holdings LLC, Unity Property Holdings 1, Inc., and Unity Property Holdings 2, Inc. Unity Investment Services, Inc. is used to hold and administer part of the Bank’s investment portfolio. The other subsidiaries hold, administer and maintain the Bank’s other real estate owned (“OREO”) properties. Unity Investment Services, Inc. has one subsidiary, Unity Delaware Investment 2, Inc., which has one subsidiary, Unity NJ REIT, Inc. Unity NJ REIT, Inc. was added in 2013 to hold loans. The Company has two unconsolidated, wholly-owned statutory trust subsidiaries. For additional information, see Note 9 to the Consolidated Financial Statements. Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Amounts requiring the use of significant estimates include the allowance for loan losses, valuation of deferred tax and servicing assets, the carrying value of loans held for sale and other real estate owned, the valuation of securities and the determination of other-than-temporary impairment for securities and fair value disclosures. Actual results could differ from those estimates. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest-bearing deposits. Securities The Company classifies its securities into two categories, available for sale and held to maturity. Securities that are classified as available for sale are stated at fair value. Unrealized gains and losses on securities available for sale are generally excluded from results of operations and are reported as other comprehensive income, a separate component of shareholders’ equity, net of taxes. Securities classified as available for sale include securities that may be sold in response to changes in interest rates, changes in prepayment risks or for asset/liability management purposes. The cost of securities sold is determined on a specific identification basis. Gains and losses on sales of securities are recognized in the Consolidated Statements of Income on the date of sale. Securities are classified as held to maturity based on management’s intent and ability to hold them to maturity. Such securities are stated at cost, adjusted for unamortized purchase premiums and discounts using the level yield method. If transfers between the available for sale and held to maturity portfolios occur, they are accounted for at fair value and unrealized holding gains and losses are accounted for at the date of transfer. For securities transferred to available for sale from held to maturity, unrealized gains or losses as of the date of the transfer are recognized in other comprehensive income (loss), a separate component of shareholders’ equity. For securities transferred into the held to maturity portfolio from the available for sale portfolio, unrealized gains or losses as of the date of transfer continue to be reported in other comprehensive income (loss), and are amortized over the remaining life of the security as an adjustment to its yield, consistent with amortization of the premium or accretion of the discount. For additional information on securities, see Note 3 to the Consolidated Financial Statements. Other-Than-Temporary Impairment The Company has a process in place to identify debt securities that could potentially incur credit impairment that is other-than-temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts and cash flow projections as indicators of credit issues. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concern warrants such evaluation. This evaluation considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (1) the extent and length of time the fair value has been below cost; (2) the reasons for the decline in value; (3) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (4) for fixed maturity securities, the intent to sell a security or whether it is more likely than not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity. For debt securities that are considered other-than-temporarily impaired where management has no intent to sell and the Company has no requirement to sell prior to recovery of its amortized cost basis, the amount of the impairment is separated into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security’s amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security’s fair value and the present value of future expected cash flows is due to factors that are not credit related and is recognized in other comprehensive income. For debt securities where management has the intent to sell, the amount of the impairment is reflected in earnings as realized losses. The present value of expected future cash flows is determined using the best estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds and structural support, including subordination and guarantees. The corporate bond cash flow estimates are derived from scenario-based outcomes of expected corporate restructurings or the disposition of assets using bond specific facts and circumstances including timing, security interests and loss severity. Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Loans Loans Held for Sale Loans held for sale represent the guaranteed portion of SBA loans and are reflected at the lower of aggregate cost or market value. The Company originates loans to customers under an SBA program that historically has provided for SBA guarantees of up to 90 percent of each loan. The Company generally sells the guaranteed portion of its SBA loans to a third party and retains the servicing, holding the nonguaranteed portion in its portfolio. The net amount of loan origination fees on loans sold is included in the carrying value and in the gain or loss on the sale. When sales of SBA loans do occur, the premium received on the sale and the present value of future cash flows of the servicing assets are recognized in income. All criteria for sale accounting must be met in order for the loan sales to occur; see details under the “Transfers of Financial Assets” heading above. Servicing assets represent the estimated fair value of retained servicing rights, net of servicing costs, at the time loans are sold. Servicing assets are amortized in proportion to, and over the period of, estimated net servicing revenues. Impairment is evaluated based on stratifying the underlying financial assets by date of origination and term. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment, if temporary, would generally be reported as a valuation allowance. Serviced loans sold to others are not included in the accompanying Consolidated Balance Sheets. Income and fees collected for loan servicing are credited to noninterest income when earned, net of amortization on the related servicing assets. For additional information on servicing assets, see Note 4 to the Consolidated Financial Statements. Loans Held for Investment Loans held for investment are stated at the unpaid principal balance, net of unearned discounts and deferred loan origination fees and costs. In accordance with the level yield method, loan origination fees, net of direct loan origination costs, are deferred and recognized over the estimated life of the related loans as an adjustment to the loan yield. Interest is credited to operations primarily based upon the principal balance outstanding. Loans are reported as past due when either interest or principal is unpaid in the following circumstances: fixed payment loans when the borrower is in arrears for two or more monthly payments; open end credit for two or more billing cycles; and single payment notes if interest or principal remains unpaid for 30 days or more. Nonperforming loans consist of loans that are not accruing interest as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt (nonaccrual loans). When a loan is classified as nonaccrual, interest accruals are discontinued and all past due interest previously recognized as income is reversed and charged against current period earnings. Generally, until the loan becomes current, any payments received from the borrower are applied to outstanding principal until such time as management determines that the financial condition of the borrower and other factors merit recognition of a portion of such payments as interest income. Loans may be returned to an accrual status when the ability to collect is reasonably assured and when the loan is brought current as to principal and interest. Loans are charged off when collection is sufficiently questionable and when the Company can no longer justify maintaining the loan as an asset on the balance sheet. Loans qualify for charge-off when, after thorough analysis, all possible sources of repayment are insufficient. These include: 1) potential future cash flows, 2) value of collateral, and/or 3) strength of co-makers and guarantors. All unsecured loans are charged off upon the establishment of the loan’s nonaccrual status. Additionally, all loans classified as a loss or that portion of the loan classified as a loss is charged off. All loan charge-offs are approved by the Board of Directors. Troubled debt restructurings ("TDRs") occur when a creditor, for economic or legal reasons related to a debtor’s financial condition, grants a concession to the debtor that it would not otherwise consider. These concessions typically include reductions in interest rate, extending the maturity of a loan, or a combination of both. Interest income on accruing TDRs is credited to operations primarily based upon the principal amount outstanding, as stated in the paragraphs above. The Company evaluates its loans for impairment. A loan is considered 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. The Company has defined impaired loans to be all TDRs and nonperforming loans. Impairment is evaluated in total for smaller-balance loans of a similar nature (consumer and residential mortgage loans), and on an individual basis for all other loans. Impairment of a loan is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, or as a practical expedient, based on a loan’s observable market price or the fair value of collateral, net of estimated costs to sell, if the loan is collateral-dependent. If the value of the impaired loan is less than the recorded investment in the loan, the Company establishes a valuation allowance, or adjusts existing valuation allowances, with a corresponding charge to the provision for loan losses. For additional information on loans, see Note 4 to the Consolidated Financial Statements. Allowance for Loan Losses and Reserve for Unfunded Loan Commitments The allowance for loan losses is maintained at a level management considers adequate to provide for probable loan losses as of the balance sheet date. The allowance is increased by provisions charged to expense and is reduced by net charge-offs. The level of the allowance is based on management’s evaluation of probable losses in the loan portfolio, after consideration of prevailing economic conditions in the Company’s market area, the volume and composition of the loan portfolio, and historical loan loss experience. The allowance for loan losses consists of specific reserves for individually impaired credits and TDRs, reserves for nonimpaired loans based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations or local/national economic trends. This risk assessment process is performed at least quarterly, and, as adjustments become necessary, they are realized in the periods in which they become known. Although management attempts to maintain the allowance at a level deemed adequate to provide for probable losses, future additions to the allowance may be necessary based upon certain factors including changes in market conditions and underlying collateral values. In addition, various regulatory agencies periodically review the adequacy of the Company’s allowance for loan losses. These agencies may require the Company to make additional provisions based on judgments about information available at the time of the examination. The Company maintains a reserve for unfunded loan commitments at a level that management believes is adequate to absorb estimated probable losses. Adjustments to the reserve are made through other expenses and applied to the reserve which is classified as other liabilities. For additional information on the allowance for loan losses and reserve for unfunded loan commitments, see Note 5 to the Consolidated Financial Statements. Premises and Equipment Land is carried at cost. All other fixed assets are carried at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. The useful life of buildings is not to exceed 30 years; furniture and fixtures is generally 10 years or less, and equipment is 3 to 5 years. Leasehold improvements are depreciated over the life of the underlying lease. For additional information on premises and equipment, see Note 6 to the Consolidated Financial Statements. Bank Owned Life Insurance The Company purchased life insurance policies on certain members of management. Bank owned life insurance is recorded at its cash surrender value or the amount that can be realized. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost. Management reviews the stock for impairment based on the ultimate recoverability of the cost basis in the stock. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. Management considers such criteria as the significance of the decline in net assets, if any, of the FHLB, the length of time this situation has persisted, commitments by the FHLB to make payments required by law or regulation, the impact of legislative and regulatory changes on the customer base of the FHLB and the liquidity position of the FHLB. Other Real Estate Owned Other real estate owned is recorded at the fair value, less estimated costs to sell at the date of acquisition, with a charge to the allowance for loan losses for any excess of the loan carrying value over such amount. Subsequently, OREO is carried at the lower of cost or fair value, as determined by current appraisals. Certain costs that increase the value or extend the useful life in preparing properties for sale are capitalized to the extent that the appraisal amount exceeds the carry value, and expenses of holding foreclosed properties are charged to operations as incurred. Appraisals The Company requires current real estate appraisals on all loans that become OREO or in-substance foreclosure, loans that are classified substandard, doubtful or loss, or loans that are over $100,000 and nonperforming. Prior to each balance sheet date, the Company values impaired collateral-dependent loans and OREO based upon a third party appraisal, broker's price opinion, drive by appraisal, automated valuation model, updated market evaluation, or a combination of these methods. The amount is discounted for the decline in market real estate values (for original appraisals), for any known damage or repair costs, and for selling and closing costs. The amount of the discount is dependent upon the method used to determine the original value. The original appraisal is generally used when a loan is first determined to be impaired. When applying the discount, the Company takes into consideration when the appraisal was performed, the collateral’s location, the type of collateral, any known damage to the property and the type of business. Subsequent to entering impaired status and the Company determining that there is a collateral shortfall, the Company will generally, depending on the type of collateral, order a third party appraisal, broker's price opinion, automated valuation model or updated market evaluation. Subsequent to receiving the third party results, the Company will discount the value 6 to 10 percent for selling and closing costs. Income Taxes The Company follows Financial Accounting Standards Board Accounting Standards Codification ("FASB ASC") Topic 740, “Income Taxes,” which prescribes a threshold for the financial statement recognition of income taxes and provides criteria for the measurement of tax positions taken or expected to be taken in a tax return. ASC 740 also includes guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition of income taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using the enacted tax rates applicable to taxable income for the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation reserves are established against certain deferred tax assets when it is more likely than not that the deferred tax assets will not be realized. Increases or decreases in the valuation reserve are charged or credited to the income tax provision. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that ultimately would be sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. The evaluation of a tax position taken is considered by itself and not offset or aggregated with other positions. Tax positions that meet the more likely than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are recognized in income tax expense on the income statement. For additional information on income taxes, see Note 15 to the Consolidated Financial Statements. Net Income Per Share Basic net income per common share is calculated as net income available to common shareholders divided by the weighted average common shares outstanding during the reporting period. Net income available to common shareholders is calculated as net income less accrued dividends and discount accretion related to preferred stock. Diluted net income per common share is computed similarly to that of basic net income per common share, except that the denominator is increased to include the number of additional common shares that would have been outstanding if all potentially dilutive common shares, principally stock options, were issued during the reporting period utilizing the Treasury stock method. However, when a net loss rather than net income is recognized, diluted earnings per share equals basic earnings per share. For additional information on net income per share, see Note 16 to the Consolidated Financial Statements. Stock-Based Compensation The Company accounts for its stock-based compensation awards in accordance with FASB ASC Topic 718, “Compensation – Stock Compensation,” which requires recognition of compensation expense related to stock-based compensation awards over the period during which an employee is required to provide service for the award. Compensation expense is equal to the fair value of the award, net of estimated forfeitures, and is recognized over the vesting period of such awards. For additional information on the Company’s stock-based compensation, see Note 18 to the Consolidated Financial Statements. Fair Value The Company follows FASB ASC Topic 820, “Fair Value Measurement and Disclosures,” which provides a framework for measuring fair value under generally accepted accounting principles. For additional information on the fair value of the Company’s financial instruments, see Note 19 to the Consolidated Financial Statements. Other Comprehensive Income (Loss) Other comprehensive income (loss) consists of the change in unrealized gains (losses) on securities available for sale that were reported as a component of shareholders’ equity, net of tax. For additional information on other comprehensive income, see Note 11 to the Consolidated Financial Statements. Advertising The Company expenses the costs of advertising in the period incurred. Dividend Restrictions Banking regulations require maintaining certain capital levels that may limit the dividends paid by the Bank to the holding company or by the holding company to the shareholders. Operating Segments While management monitors the revenue streams of its various products and services, operating results and financial performance are evaluated on a company-wide basis. The Company’s management uses consolidated results to make operating and strategic decisions. Accordingly, there is only one reportable segment. Recent Accounting Pronouncements ASU 2014-09, “Revenue from Contracts with Customers (Topic 606).” This ASU has three sections: Section A – Summary and amendments that creates revenue from contracts with customers (Topic 606) and Other Assets and Deferred Costs – Contracts with Customers (Subtopic 340-40); Section B – Conforming amendments to other topics and subtopics in the codification and status tables; Section C – Background information and basis for conclusions. The accounting changes in this update have been revised to defer the effective date for public business entities for annual reporting periods beginning after December 15, 2017 and the interim periods within that year. Early adoption is permitted as of the first interim or annual period beginning after December 15, 2016. The Company is currently evaluating the impact of the standard. ASU 2015-01, “Income Statement-Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” ASU 2015-01 seeks to eliminate from generally accepted accounting principles (“GAAP”) the concept of extraordinary items. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. The guidance was issued as part of an initiative to reduce complexity in accounting standards. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The effective date is the same for both public business entities and all other entities. The Company does not expect adoption of this guidance to have a material effect on the financial condition or results of operations of the Company. ASU No. 2016-01, “Financial Instruments – Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-01 addresses certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. This eliminates the available for sale classification of accounting for equity securities and adjusts the fair value disclosures for financial instruments carried at amortized cost such that the disclosed fair values represent an exit price as opposed to an entry price. This update requires that equity securities be carried at fair value on the balance sheet and any periodic changes in value will be adjusted through the income statement. A practical expedient is provided for equity securities without a readily determinable fair value, such that these securities can be carried at cost less any impairment. For public business entities, the amendments in this update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact of the standard. ASU 2016-02, “Leases (Topic 842)”. ASU 2016-02 was issued in three parts: (a) Section A , “Leases: Amendments to the FASB Accounting Standards Codification®,” (b) Section B , “Conforming Amendments Related to Leases: Amendments to the FASB Accounting Standards Codification®,” and (c) Section C , “Background Information and Basis for Conclusions.” While both lessees and lessors are affected by the new guidance, the effects on lessees are much more significant. The update states that a lessee should recognize the assets and liabilities that arise from all leases with a term greater than 12 months. The core principle requires the lessee to recognize a liability to make lease payments and a "right-of-use" asset. The accounting applied by the lessor is relatively unchanged as the majority of operating leases should remain classified as operating leases and the income from them recognized, generally, on a straight-line basis over the lease term. The standards update also requires expanded qualitative and quantitative disclosures. For public business entities, ASC 2016-02 is effective for interim and annual reporting periods beginning after December 15, 2018. ASC 2016-02 mandates a modified retrospective transition for all entities. The Company is currently evaluating the impact of the adoption of ASC 2016-02 on its consolidated financial statements. Goodwill The Company accounts for goodwill and other intangible assets in accordance with FASB ASC Topic 350, “Intangibles – Goodwill and Other,” which allows an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Based on a qualitative assessment, management determined that the Company’s recorded goodwill totaling $ 1.5 million, which resulted from the 2005 acquisition of its Phillipsburg, New Jersey branch, is not impaired as of December 31, 2015. Subsequent Events Subsequent to December 31, 2015, the Company purchased its headquarters for $ 4.1 million. This will reduce the operating lease obligations by $ 1.2 million over a three year period. For additional information on the Company’s operating leases, see Note 10 to the Consolidated Financial Statements. Subsequent to December 31, 2015, the Company redeemed $ 5.1 million of its outstanding subordinated debt at a price of $ 0.5475 per dollar. The transaction resulted in a gain of approximately $ 2.25 million, which will be recognized during the first quarter 2016. These securities qualified as Tier I capital under the terms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Company remains well capitalized after this transaction.

Restrictions on Cash

Restrictions on Cash	12 Months Ended
	Dec. 31, 2015
Restrictions on Cash [Abstract]
Restrictions on Cash	2 . Restrictions on Cash Federal law requires depository institutions to hold reserves in the form of vault cash or, if vault cash is insufficient, in the form of a deposit maintained with a Federal Reserve Bank (“FRB”). The dollar amount of a depository institution's reserve requirement is determined by applying the reserve ratios specified in the FRB’s Regulation D to an institution's reservable liabilities. As of December 31, 2015 and 2014 the Company had sufficient vault cash to meet its reserve requirements and no additional reserves were required. In addition, the Company’s contract with its current electronic funds transfer (“EFT”) provider requires a predetermined balance be maintained in a settlement account controlled by the provider equal to the Company’s average daily net settlement position multiplied by four days. The required balance was $ 179 thousand as of December 31, 2015 and 2014. This balance can be adjusted periodically to reflect actual transaction volume and seasonal factors. The Governmental Unit Deposit Protection Act ("GUDPA") is a supplemental insurance program set forth by the New Jersey Legislature to protect the deposits of municipalities and local government agencies, administered by the Commissioner of the New Jersey Department of Banking and Insurance. At December 31, 2015, the Company had no cash collateral pledged to the State of New Jersey Department of Banking and Insurance to secure its municipal deposits, compared to $ 6.0 million at December 31, 2014.

Securities

Securities	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Securities	3. Securities This table provides the major components of securities available for sale (“AFS”) and held to maturity (“HTM”) at amortized cost and estimated fair value at December 31, 2015 and December 31, 2014: December 31, 2015 December 31, 2014 (In thousands) Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Available for sale: U.S. Government sponsored entities $ 6,649 $ - $ (68) $ 6,581 $ 4,711 $ - $ (93) $ 4,618 State and political subdivisions 10,625 159 (2) 10,782 11,055 112 (35) 11,132 Residential mortgage-backed securities 26,191 449 (201) 26,439 33,884 646 (147) 34,383 Corporate and other securities 9,404 71 (412) 9,063 10,188 63 (311) 9,940 Total securities available for sale $ 52,869 $ 679 $ (683) $ 52,865 $ 59,838 $ 821 $ (586) $ 60,073 Held to maturity: U.S. Government sponsored entities $ 3,988 $ - $ (87) $ 3,901 $ 4,440 $ - $ (124) $ 4,316 State and political subdivisions 2,364 187 (1) 2,550 2,417 277 - 2,694 Residential mortgage-backed securities 6,232 141 (28) 6,345 8,164 211 (29) 8,346 Commercial mortgage-backed securities 3,902 - (62) 3,840 4,005 13 (53) 3,965 Corporate and other securities 1,985 - (14) 1,971 983 - (23) 960 Total securities held to maturity $ 18,471 $ 328 $ (192) $ 18,607 $ 20,009 $ 501 $ (229) $ 20,281 This table provides the remaining contractual maturities and yields of securities within the investment portfolios. The carrying value of securities at December 31, 2015 is distributed by contractual maturity. Mortgage-backed securities and other securities, which may have principal prepayment provisions, are distributed based on contractual maturity. Expected maturities will differ materially from contractual maturities as a result of early prepayments and calls. Within one year After one through five years After five through ten years After ten years Total carrying value (In thousands, except percentages) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale at fair value: U.S. Government sponsored entities $ - - % $ 3,256 1.55 % $ 921 2.08 % $ 2,404 2.04 % $ 6,581 1.81 % State and political subdivisions - - 1,412 2.55 5,740 2.41 3,630 2.56 10,782 2.48 Residential mortgage-backed securities - - 1,066 2.03 3,059 2.24 22,314 2.77 26,439 2.68 Corporate and other securities - - 2,717 1.23 4,343 1.30 2,003 1.82 9,063 1.39 Total securities available for sale $ - - % $ 8,451 1.67 % $ 14,063 2.01 % $ 30,351 2.62 % $ 52,865 2.31 % Held to maturity at cost: U.S. Government sponsored entities $ - - % $ - - % $ - - % $ 3,988 1.97 % $ 3,988 1.97 % State and political subdivisions 264 0.75 - - - - 2,100 4.73 2,364 4.29 Residential mortgage-backed securities 3 4.52 199 4.75 185 5.21 5,845 3.20 6,232 3.31 Commercial mortgage-backed securities - - - - - - 3,902 2.71 3,902 2.71 Corporate and other securities - - - - 1,985 4.61 - - 1,985 4.61 Total securities held to maturity $ 267 0.79 % $ 199 4.75 % $ 2,170 4.66 % $ 15,835 2.97 % $ 18,471 3.16 % The fair value of securities with unrealized losses by length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2015 and December 31, 2014 are as follows: December 31, 2015 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 9 $ 4,165 $ (12) $ 2,416 $ (56) $ 6,581 $ (68) State and political subdivisions 3 1,584 (2) - - 1,584 (2) Residential mortgage-backed securities 11 6,195 (36) 4,508 (165) 10,703 (201) Corporate and other securities 11 4,730 (174) 3,756 (238) 8,486 (412) Total temporarily impaired securities 34 $ 16,674 $ (224) $ 10,680 $ (459) $ 27,354 $ (683) Held to maturity: U.S. Government sponsored entities 2 $ - $ - $ 3,901 $ (87) $ 3,901 $ (87) State and political subdivisions 1 263 (1) - - 263 (1) Residential mortgage-backed securities 3 - - 1,853 (28) 1,853 (28) Commercial mortgage-backed securities 2 3,840 (62) - - 3,840 (62) Corporate and other securities 1 971 (14) - - 971 (14) Total temporarily impaired securities 9 $ 5,074 $ (77) $ 5,754 $ (115) $ 10,828 $ (192) December 31, 2014 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 4 $ - $ - $ 4,590 $ (93) $ 4,590 $ (93) State and political subdivisions 7 - - 4,103 (35) 4,103 (35) Residential mortgage-backed securities 9 6,579 (16) 5,889 (131) 12,468 (147) Corporate and other securities 7 1,053 (46) 3,736 (265) 4,789 (311) Total temporarily impaired securities 27 $ 7,632 $ (62) $ 18,318 $ (524) $ 25,950 $ (586) Held to maturity: U.S. Government sponsored entities 2 $ - $ - $ 4,316 $ (124) $ 4,316 $ (124) Residential mortgage-backed securities 3 - - 2,586 (29) 2,586 (29) Commercial mortgage-backed securities 1 - - 1,822 (53) 1,822 (53) Corporate and other securities 1 - - 960 (23) 960 (23) Total temporarily impaired securities 7 $ - $ - $ 9,684 $ (229) $ 9,684 $ (229) Unrealized Losses The unrealized losses in each of the categories presented in the tables above are discussed in the paragraphs that follow: U.S. government sponsored entities and state and political subdivision securities: The unrealized losses on investments in these types of securities were caused by the increase in interest rate spreads or the increase in interest rates at the long end of the Treasury curve. The contractual terms of these investments do not permit the issuer to settle the securities at a price less than the par value of the investments. Because the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be at maturity, the Company did not consider these investments to be other-than temporarily impaired as of December 31, 2015. There was no other-than-temporary impairment on these securities at December 31, 2014. Residential and commercial mortgage-backed securities: The unrealized losses on investments in mortgage-backed securities were caused by increases in interest rate spreads or the increase in interest rates at the long end of the Treasury curve. The majority of contractual cash flows of these securities are guaranteed by the Federal National Mortgage Association (FNMA), the Government National Mortgage Association (GNMA) and the Federal Home Loan Mortgage Corporation (FHLMC). It is expected that the securities would not be settled at a price significantly less than the par value of the investment. Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be at maturity, the Company did not consider these investments to be other-than-temporarily impaired as of December 31, 2015 or December 31, 2014. Corporate and other securities: Included in this category are corporate debt securities, Community Reinvestment Act (“CRA”) investments, asset-backed securities, and one trust preferred security. The unrealized losses on corporate debt securities were due to widening credit spreads or the increase in interest rates at the long end of the Treasury curve and the unrealized losses on CRA investments were caused by decreases in the market prices of the shares. The Company evaluated the prospects of the issuers and forecasted a recovery period; and as a result determined it did not consider these investments to be other-than-temporarily impaired as of December 31, 2015 or December 31, 2014. The unrealized loss on the trust preferred security was caused by an inactive trading market and changes in market credit spreads. At December 31, 2015 and December 31, 2014, this category consisted of one single-issuer trust preferred security. The contractual terms do not allow the security to be settled at a price less than the par value. Because the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, which may be at maturity, the Company did not consider this security to be other-than-temporarily impaired as of December 31, 2015 or December 31, 2014. Realized Gains and Losses Gross realized gains and losses on securities for the past two years are detailed in the table below: For the years ended December 31, (In thousands) 2015 2014 Available for sale: Realized gains $ 28 $ 440 Realized losses - (7) Total securities available for sale 28 433 Held to maturity: Realized gains - - Realized losses - - Total securities held to maturity - - Net gains on sales of securities $ 28 $ 433 The net realized gains are included in noninterest income in the Consolidated Statements of Income as net security gains. For 2015 and 2014, gross realized gains on sales of securities amounted to $ 28 thousand and $ 440 thousand, respectively. There were no gross realized losses in 2015, compared to gross realized losses of $7 thousand in 2014. · The net gains during 2015 are attributed to the sale of one corporate bond security with a total book value of $ 500 thousand and resulting in a gain of $28 thousand. · The net gains during 2014 are attributed to the sale of seventeen municipal securities with a total book value of $ 5.7 million and resulting gains of $ 213 thousand, the sale of four mortgage-backed securities with a total book value of $ 8.6 million and resulting gains of $ 143 thousand, the sale of two agency securities with a book value of $ 2.6 million and resulting gains of $ 68 thousand, the sale of one corporate bond with a book value of $ 2.0 million resulting in a gain of $ 3 thousand, and the sale of one asset-backed security with a book value of $ 858 thousand resulting in a gain of $ 13 thousand, offset by the sale of one corporate bond with a book value of $2.0 million resulting in a loss of $ 3 thousand and the partial call of one municipal security resulting in a loss of $ 4 thousand. Pledged Securities Securities with a carrying value of $18.5 million and $ 50.4 million at December 31, 2015 and December 31, 2014, respectively, were pledged to secure Government deposits, secure other borrowings and for other purposes required or permitted by law. Included in these figures was $ 32.1 million pledged against Government deposits at December 31, 2014.

Loans

Loans	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans	4. Loans The following table sets forth the classification of loans by class, including unearned fees, deferred costs and excluding the allowance for loan losses for the past two years: (In thousands) December 31, 2015 December 31, 2014 SBA loans held for investment $ 39,393 $ 40,401 SBA 504 loans 29,353 34,322 Commercial loans Commercial other 49,332 40,607 Commercial real estate 391,071 339,693 Commercial real estate construction 25,115 21,649 Residential mortgage loans 264,523 220,878 Consumer loans Home equity 45,042 41,451 Consumer other 32,015 17,645 Total loans held for investment $ 875,844 $ 756,646 SBA loans held for sale 13,114 5,179 Total loans $ 888,958 $ 761,825 Loans are made to individuals as well as commercial entities. Specific loan terms vary as to interest rate, repayment, and collateral requirements based on the type of loan requested and the credit worthiness of the prospective borrower. Credit risk, excluding SBA loans, tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Bank. As a preferred SBA lender, a portion of the SBA portfolio is to borrowers outside the Company’s lending area. However, during late 2008, the Company withdrew from SBA lending outside of its primary trade area, but continues to offer SBA loan products as an additional credit product within its primary trade area. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market such as geographic location and/or property type. A description of the Company's different loan segments follows: SBA Loans: SBA 7(a) loans, on which the SBA has historically provided guarantees of up to 90 percent of the principal balance, are considered a higher risk loan product for the Company than its other loan products. The guaranteed portion of the Company’s SBA loans is generally sold in the secondary market with the nonguaranteed portion held in the portfolio as a loan held for investment. SBA loans are for the purpose of providing working capital, financing the purchase of equipment, inventory or commercial real estate and for other business purposes. Loans are guaranteed by the businesses' major owners. SBA loans are made based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. SBA 504 Loans: The SBA 504 program consists of real estate backed commercial mortgages where the Company has the first mortgage and the SBA has the second mortgage on the property. SBA 504 loans are made based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. Generally, the Company has a 50 percent loan to value ratio on SBA 504 program loans at origination. Commercial Loans: Commercial credit is extended primarily to middle market and small business customers. Commercial loans are generally made in the Company’s market place for the purpose of providing working capital, financing the purchase of equipment, inventory or commercial real estate and for other business purposes. Loans will generally be guaranteed in full or for a meaningful amount by the businesses' major owners. Commercial loans are made based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. Residential Mortgage and Consumer Loans: The Company originates mortgage and consumer loans including principally residential real estate, home equity lines and loans and consumer construction lines. Each loan type is evaluated on debt to income, type of collateral and loan to collateral value, credit history and Company relationship with the borrower. Inherent in the lending function is credit risk, which is the possibility a borrower may not perform in accordance with the contractual terms of their loan. A borrower’s inability to pay their obligations according to the contractual terms can create the risk of past due loans and, ultimately, credit losses, especially on collateral deficient loans. The Company minimizes its credit risk by loan diversification and adhering to credit administration policies and procedures. Due diligence on loans begins when the Company initiates contact regarding a loan with a borrower. Documentation, including a borrower’s credit history, materials establishing the value and liquidity of potential collateral, the purpose of the loan, the source of funds for repayment of the loan, and other factors, are analyzed before a loan is submitted for approval. The loan portfolio is then subject to on-going internal reviews for credit quality, as well as independent credit reviews by an outside firm. The Company's extension of credit is governed by the Credit Risk Policy which was established to control the quality of the Company's loans. These policies and procedures are reviewed and approved by the Board of Directors on a regular basis. Credit Ratings For SBA 7(a), SBA 504 and commercial loans, management uses internally assigned risk ratings as the best indicator of credit quality. A loan’s internal risk rating is updated at least annually and more frequently if circumstances warrant a change in risk rating. The Company uses a 1 through 10 loan grading system that follows regulatory accepted definitions. Pass: Risk ratings of 1 through 6 are used for loans that are performing, as they meet, and are expected to continue to meet, all of the terms and conditions set forth in the original loan documentation, and are generally current on principal and interest payments. These performing loans are termed “Pass”. Special Mention: Criticized loans are assigned a risk rating of 7 and termed “Special Mention”, as the borrowers exhibit potential credit weaknesses or downward trends deserving management’s close attention. If not checked or corrected, these trends will weaken the Bank’s collateral and position. While potentially weak, these borrowers are currently marginally acceptable and no loss of interest or principal is anticipated. As a result, special mention assets do not expose an institution to sufficient risk to warrant adverse classification. Included in “Special Mention” could be turnaround situations, such as borrowers with deteriorating trends beyond one year, borrowers in start up or deteriorating industries, or borrowers with a poor market share in an average industry. "Special Mention" loans may include an element of asset quality, financial flexibility, or below average management. Management and ownership may have limited depth or experience. Regulatory agencies have agreed on a consistent definition of “Special Mention” as an asset with potential weaknesses which, if left uncorrected, may result in deterioration of the repayment prospects for the asset or in the Bank’s credit position at some future date. This definition is intended to ensure that the “Special Mention” category is not used to identify assets that have as their sole weakness credit data exceptions or collateral documentation exceptions that are not material to the repayment of the asset. Substandard: Classified loans are assigned a risk rating of an 8 or 9, depending upon the prospect for collection, and deemed “Substandard”. A risk rating of 8 is used for borrowers with well-defined weaknesses that jeopardize the orderly liquidation of debt. The loan is inadequately protected by the current paying capacity of the obligor or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy, although no loss of principal is envisioned. There is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets classified “Substandard”. A risk rating of 9 is used for borrowers that have all the weaknesses inherent in a loan with a risk rating of 8, with the added characteristic that the weaknesses make collection of debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Serious problems exist to the point where partial loss of principal is likely. The possibility of loss is extremely high, but because of certain important, reasonably specific pending factors that may work to strengthen the assets, the loans’ classification as estimated losses is deferred until a more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures; capital injection; perfecting liens on additional collateral; and refinancing plans. Partial charge-offs are likely. Loss: Once a borrower is deemed incapable of repayment of unsecured debt, the risk rating becomes a 10, the loan is termed a “Loss”, and charged-off immediately. Loans to such borrowers are considered uncollectible and of such little value that continuance as active assets of the Bank is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off these basically worthless assets even though partial recovery may be affected in the future. For residential mortgage and consumer loans, management uses performing versus nonperforming as the best indicator of credit quality. Nonperforming loans consist of loans that are not accruing interest (nonaccrual loans) as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt. These credit quality indicators are updated on an ongoing basis, as a loan is placed on nonaccrual status as soon as management believes there is sufficient doubt as to the ultimate ability to collect interest on a loan. The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2015: December 31, 2015 SBA, SBA 504 & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 35,032 $ 2,647 $ 1,714 $ 39,393 SBA 504 loans 24,003 4,917 433 29,353 Commercial loans Commercial other 45,870 2,373 1,089 49,332 Commercial real estate 369,510 18,978 2,583 391,071 Commercial real estate construction 24,061 1,054 - 25,115 Total commercial loans 439,441 22,405 3,672 465,518 Total SBA, SBA 504 and commercial loans $ 498,476 $ 29,969 $ 5,819 $ 534,264 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 262,299 $ 2,224 $ 264,523 Consumer loans Home equity 44,452 590 45,042 Consumer other 32,015 - 32,015 Total consumer loans 76,467 590 77,057 Total residential mortgage and consumer loans $ 338,766 $ 2,814 $ 341,580 The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2014: December 31, 2014 SBA, SBA 504 & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 35,827 $ 2,250 $ 2,324 $ 40,401 SBA 504 loans 24,415 5,967 3,940 34,322 Commercial loans Commercial other 38,054 1,270 1,283 40,607 Commercial real estate 315,015 20,555 4,123 339,693 Commercial real estate construction 21,649 - - 21,649 Total commercial loans 374,718 21,825 5,406 401,949 Total SBA, SBA 504 and commercial loans $ 434,960 $ 30,042 $ 11,670 $ 476,672 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 220,233 $ 645 $ 220,878 Consumer loans Home equity 40,908 543 41,451 Consumer other 17,643 2 17,645 Total consumer loans 58,551 545 59,096 Total residential mortgage and consumer loans $ 278,784 $ 1,190 $ 279,974 Nonperforming and Past Due Loans Nonperforming loans consist of loans that are not accruing interest (nonaccrual loans) as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt. Loans past due 90 days or more and still accruing interest are not included in nonperforming loans and generally represent loans that are well collateralized and in a continuing process expected to result in repayment or restoration to current status. The risk of loss is difficult to quantify and is subject to fluctuations in collateral values, general economic conditions and other factors. The improved state of the economy has resulted in a substantial reduction in nonperforming loans and loan delinquencies. The Company values its collateral through the use of appraisals, broker price opinions, and knowledge of its local market. In response to the credit risk in its portfolio, the Company has increased staffing in its credit monitoring department and increased efforts in the collection and analysis of borrowers’ financial statements and tax returns. The following tables set forth an aging analysis of past due and nonaccrual loans as of December 31, 2015 and December 31, 2014: December 31, 2015 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ 1,153 $ 456 $ - $ 1,764 $ 3,373 $ 36,020 $ 39,393 SBA 504 loans - - - 518 518 28,835 29,353 Commercial loans Commercial other 157 - - 10 167 49,165 49,332 Commercial real estate 444 283 - 2,154 2,881 388,190 391,071 Commercial real estate construction 356 - - - 356 24,759 25,115 Residential mortgage loans 2,307 1,078 - 2,224 5,609 258,914 264,523 Consumer loans Home equity 130 3 - 590 723 44,319 45,042 Consumer other 1 - - - 1 32,014 32,015 Total loans held for investment $ 4,548 $ 1,820 $ - $ 7,260 $ 13,628 $ 862,216 $ 875,844 SBA loans held for sale - - - - - 13,114 13,114 Total loans $ 4,548 $ 1,820 $ - $ 7,260 $ 13,628 $ 875,330 $ 888,958 (1) At December 31, 2015, nonaccrual loans included $ 293 thousand of TDRs and $ 288 thousand of loans guaranteed by the SBA. The remaining $ 3.0 million of TDRs are in accrual status because they are performing in accordance with their restructured terms, and have been for at least six months. December 31, 2014 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ 1,093 $ 147 $ 161 $ 3,348 $ 4,749 $ 35,652 $ 40,401 SBA 504 loans 1,639 - - 2,109 3,748 30,574 34,322 Commercial loans Commercial other - - - 1,129 1,129 39,478 40,607 Commercial real estate 2,812 - 7 3,592 6,411 333,282 339,693 Commercial real estate construction - - - - - 21,649 21,649 Residential mortgage loans 2,887 658 722 645 4,912 215,966 220,878 Consumer loans Home equity 639 213 - 543 1,395 40,056 41,451 Consumer other - 6 - 2 8 17,637 17,645 Total loans held for investment $ 9,070 $ 1,024 $ 890 $ 11,368 $ 22,352 $ 734,294 $ 756,646 SBA loans held for sale - - - - - 5,179 5,179 Total loans $ 9,070 $ 1,024 $ 890 $ 11,368 $ 22,352 $ 739,473 $ 761,825 (1) At December 31, 2014, nonaccrual loans included $ 3.0 million of TDRs and $ 1.6 million of loans guaranteed by the SBA. The remaining $3.5 million of TDRs are in accrual status because they are performing in accordance with their restructured terms, and have been for at least six months. Impaired Loans The Company has defined impaired loans to be all nonperforming loans and troubled debt restructurings. Management considers a loan impaired when, based on current information and events, it is determined that the Company will not be able to collect all amounts due according to the loan contract. The following tables provide detail on the Company’s loans individually evaluated for impairment with the associated allowance amount, if applicable, as of December 31, 2015 and December 31, 2014: December 31, 2015 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 961 $ 518 $ - SBA 504 loans 2,226 2,226 - Commercial loans Commercial real estate 1,365 1,366 - Total commercial loans 1,365 1,366 - Total impaired loans with no related allowance 4,552 4,110 - With an allowance: SBA loans held for investment (1) 2,203 1,389 705 Commercial loans Commercial other 33 10 10 Commercial real estate 1,664 1,664 127 Total commercial loans 1,697 1,674 137 Total impaired loans with a related allowance 3,900 3,063 842 Total individually evaluated impaired loans: SBA loans held for investment (1) 3,164 1,907 705 SBA 504 loans 2,226 2,226 - Commercial loans Commercial other 33 10 10 Commercial real estate 3,029 3,030 127 Total commercial loans 3,062 3,040 137 Total individually evaluated impaired loans $ 8,452 $ 7,173 $ 842 (1) Balances are reduced by amount guaranteed by the SBA of $ 288 thousand at December 31, 2015. December 31, 2014 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 1,719 $ 1,093 $ - SBA 504 loans 2,202 2,202 - Commercial loans Commercial other 878 877 - Commercial real estate 2,017 1,927 - Total commercial loans 2,895 2,804 - Total impaired loans with no related allowance 6,816 6,099 - With an allowance: SBA loans held for investment (1) 1,521 1,127 502 SBA 504 loans 1,676 1,676 510 Commercial loans Commercial other 364 252 41 Commercial real estate 3,003 3,003 108 Total commercial loans 3,367 3,255 149 Total impaired loans with a related allowance 6,564 6,058 1,161 Total individually evaluated impaired loans: SBA loans held for investment (1) 3,240 2,220 502 SBA 504 loans 3,878 3,878 510 Commercial loans Commercial other 1,242 1,129 41 Commercial real estate 5,020 4,930 108 Total commercial loans 6,262 6,059 149 Total individually evaluated impaired loans $ 13,380 $ 12,157 $ 1,161 (1) Balances are reduced by amount guaranteed by the SBA of $1.6 million at December 31, 2014. The following table presents the average recorded investments in impaired loans and the related amount of interest recognized during the time period in which the loans were impaired for the years ended December 31, 2015 and 2014. The average balances are calculated based on the month-end balances of impaired loans. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method, therefore no interest income is recognized. The interest recognized on impaired loans noted below represents accruing troubled debt restructurings only and nominal amounts of income recognized on a cash basis for well-collateralized impaired loans. For the years ended December 31, 2015 2014 (In thousands) Average recorded investment Interest income recognized on impaired loans Average recorded investment Interest income recognized on impaired loans SBA loans held for investment (1) $ 1,887 $ 90 $ 3,028 $ 256 SBA 504 loans 2,488 106 3,042 109 Commercial loans Commercial other 960 102 323 2 Commercial real estate 5,100 64 6,336 231 Commercial real estate construction - - 73 23 Total $ 10,435 $ 362 $ 12,802 $ 621 (1) Balances are reduced by the average amount guaranteed by the SBA of $ 416 thousand and $ 1.2 million for years ended December 31, 2015 and 2014, respectively. Troubled Debt Restructurings The Company's loan portfolio includes certain loans that have been modified in a troubled debt restructuring (“TDR”). TDRs occur when a creditor, for economic or legal reasons related to a debtor’s financial condition, grants a concession to the debtor that it would not otherwise consider, unless it results in a delay in payment that is insignificant. These concessions typically include reductions in interest rate, extending the maturity of a loan, other modifications of payment terms, or a combination of modifications. When the Company modifies a loan, management evaluates for any possible impairment using either the discounted cash flows method, where the value of the modified loan is based on the present value of expected cash flows, discounted at the contractual interest rate of the original loan agreement, or by using the fair value of the collateral less selling costs if the loan is collateral-dependent. If management determines that the value of the modified loan is less than the recorded investment in the loan, impairment is recognized by segment or class of loan, as applicable, through an allowance estimate or charge-off to the allowance. This process is used, regardless of loan type, and for loans modified as TDRs that subsequently default on their modified terms. TDRs of $ 3.3 million and $ 6.5 million are included in the impaired loan numbers as of December 31, 2015 and December 31, 2014, respectively. The decrease in TDRs was due to payoffs, note sales and principal pay downs. At December 31, 2015, there were specific reserves of $208 thousand on TDRs, $167 thousand on performing TDRs and $41 thousand on nonperforming TDRs. At December 31, 2014, there were specific reserves of $223 thousand on TDRS, $24 thousand on performing TDRs and $199 thousand on nonperforming TDRs. At December 31, 2015, $ 293 thousand of TDRs were in nonaccrual status, compared to $3.0 million at December 31, 2014. The decrease during the twelve month period was primarily due to the Company taking title of one property, whose loan had a principal amount of $ 2.7 million. The remaining TDRs are in accrual status since they continue to perform in accordance with their restructured terms. There are no commitments to lend additional funds on these loans. There were no loans modified as a TDR during the years ended December 31, 2015 or 2014. To date, the Company’s TDRs consisted of interest rate reductions, interest only periods, and maturity extensions. There has been no principal forgiveness. During 2014, t here was one SBA loan with an outstanding principal balance of $ 131 thousand modified as a TDR within the previous 12 months where a concession was made and the loan subsequently defaulted during the year ended December 31, 2014. In this case, subsequent default is defined as 90 days past due or transferred to nonaccrual status. There were no additional defaults during the previous year to date period. Other Loan Information Servicing Assets: Loans sold to others and serviced by the Company are not included in the accompanying Consolidated Balance Sheets. The total amount of such loans serviced, but owned by outside investors, amounted to approximately $ 102.9 million and $ 113.2 million at December 31, 2015 and 2014, respectively. At December 31, 2015 and 2014, the carrying value, which approximates fair value, of servicing assets was $1.4 million and $753 thousand, respectively, and is included in Other Assets. The fair value of SBA servicing assets was determined using a discount rate of 15 percent, constant prepayment speeds ranging from 15 to 18 , and interest strip multiples ranging from 2.08 to 3.80 , depending on each individual credit. The fair value of mortgage servicing assets was determined using a discount rate of 12 percent and the present value of excess servicing over seven years. A summary of the changes in the related servicing assets for the past two years follows: For the years ended December 31, (In thousands) 2015 2014 Balance, beginning of year $ 753 $ 437 Servicing assets capitalized 927 483 Amortization of expense (291) (167) Provision for loss in fair value - - Balance, end of year $ 1,389 $ 753 In addition, the Company had a $85 4 thousand and $657 thousand discount related to the retained portion of the unsold SBA loans at December 31, 2015 and 2014, respectively. Officer and Director Loans: In the ordinary course of business, the Company may extend credit to officers, directors or their associates. These loans are subject to the Company’s normal lending policy. An analysis of such loans, all of which are current as to principal and interest payments, is as follows: (In thousands) December 31, 2015 December 31, 2014 Balance, beginning of year $ 26,452 $ 18,327 New loans and advances 15,809 9,254 Loan repayments (4,867) (1,129) Balance, end of year $ 37,394 $ 26,452 Loan Portfolio Collateral: The majority of the Company’s loans are secured by real estate. Declines in the market values of real estate in the Company’s trade area impact the value of the collateral securing its loans. This could lead to greater losses in the event of defaults on loans secured by real estate. At both December 31, 2015 and 2014, approximately 96 percent of the Company’s loan portfolio was secured by real estate.

Allowance for Loan Losses and R

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments	12 Months Ended
	Dec. 31, 2015
Allowance for Loan Losses and Reserve for Unfunded Loan Commitments [Abstract]
Allowance for Loan Losses and Reserve for Unfunded Loan Commitments	5. Allowance for Loan Losses and Reserve for Unfunded Loan Commitments Allowance for Loan Losses The Company has an established methodology to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. At a minimum, the adequacy of the allowance for loan losses is reviewed by management on a quarterly basis. For purposes of determining the allowance for loan losses, the Company has segmented the loans in its portfolio by loan type. Loans are segmented into the following pools: SBA 7(a), SBA 504, commercial, residential mortgages, and consumer loans. Certain portfolio segments are further broken down into classes based on the associated risks within those segments and the type of collateral underlying each loan. Commercial loans are divided into the following three classes: commercial real estate, commercial real estate construction and commercial other. Consumer loans are divided into two classes as follows: Home equity and other. The standardized methodology used to assess the adequacy of the allowance includes the allocation of specific and general reserves. The same standard methodology is used, regardless of loan type. Specific reserves are made to individual impaired loans and troubled debt restructurings (see Note 1 for additional information on this term). The general reserve is set based upon a representative average historical net charge-off rate adjusted for the following environmental factors: delinquency and impairment trends, charge-off and recovery trends, changes in the volume of restructured loans, volume and loan term trends, changes in risk and underwriting policy trends, staffing and experience changes, national and local economic trends, industry conditions and credit concentration changes. Within the five-year historical net charge-off rate, the Company weights the past three years more because it believes they are more indicative of future losses. All of the environmental factors are ranked and assigned a basis points value based on the following scale: low, low moderate, moderate, high moderate and high risk. Each environmental factor is evaluated separately for each class of loans and risk weighted based on its individual characteristics. · For SBA 7(a), SBA 504 and commercial loans, the estimate of loss based on pools of loans with similar characteristics is made through the use of a standardized loan grading system that is applied on an individual loan level and updated on a continuous basis. The loan grading system incorporates reviews of the financial performance of the borrower, including cash flow, debt-service coverage ratio, earnings power, debt level and equity position, in conjunction with an assessment of the borrower's industry and future prospects. It also incorporates analysis of the type of collateral and the relative loan to value ratio. · For residential mortgage and consumer loans, the estimate of loss is based on pools of loans with similar characteristics. Factors such as credit score, delinquency status and type of collateral are evaluated. Factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as needed. According to the Company’s policy, a loss (“charge-off”) is to be recognized and charged to the allowance for loan losses as soon as a loan is recognized as uncollectable. All credits which are 90 days past due must be analyzed for the Company’s ability to collect on the credit. Once a loss is known to exist, the charge-off approval process is immediately expedited. This charge-off policy is followed for all loan types. The allocated allowance is the total of identified specific and general reserves by loan category. The allocation is not necessarily indicative of the categories in which future losses may occur. The total allowance is available to absorb losses from any segment of the portfolio. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The following tables detail the activity in the allowance for loan losses by portfolio segment for the past two years: For the year ended December 31, 2015 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,883 $ 1,337 $ 6,270 $ 2,289 $ 667 $ 105 $ 12,551 Charge-offs (370) (589) (309) (50) (130) - (1,448) Recoveries 54 - 1,052 49 1 - 1,156 Net charge-offs (316) (589) 743 (1) (129) - (292) Provision for loan losses charged to expense 394 (7) (704) 481 279 57 500 Balance, end of period $ 1,961 $ 741 $ 6,309 $ 2,769 $ 817 $ 162 $ 12,759 For the year ended December 31, 2014 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 2,587 $ 957 $ 6,840 $ 2,132 $ 573 $ 52 $ 13,141 Charge-offs (1,053) (92) (1,037) (740) (593) - (3,515) Recoveries 140 - 166 60 9 - 375 Net charge-offs (913) (92) (871) (680) (584) - (3,140) Provision for loan losses charged to expense 209 472 301 837 678 53 2,550 Balance, end of period $ 1,883 $ 1,337 $ 6,270 $ 2,289 $ 667 $ 105 $ 12,551 The following tables present loans and their related allowance for loan losses, by portfolio segment, as of December 31 st for the past two years: December 31, 2015 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 705 $ - $ 137 $ - $ - $ - $ 842 Collectively evaluated for impairment 1,256 741 6,172 2,769 817 162 11,917 Total $ 1,961 $ 741 $ 6,309 $ 2,769 $ 817 $ 162 $ 12,759 Loan ending balances: Individually evaluated for impairment $ 1,907 $ 2,226 $ 3,040 $ - $ - $ - $ 7,173 Collectively evaluated for impairment 37,486 27,127 462,478 264,523 77,057 - 868,671 Total $ 39,393 $ 29,353 $ 465,518 $ 264,523 $ 77,057 $ - $ 875,844 December 31, 2014 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 502 $ 510 $ 149 $ - $ - $ - $ 1,161 Collectively evaluated for impairment 1,381 827 6,121 2,289 667 105 11,390 Total $ 1,883 $ 1,337 $ 6,270 $ 2,289 $ 667 $ 105 $ 12,551 Loan ending balances: Individually evaluated for impairment $ 2,220 $ 3,878 $ 6,059 $ - $ - $ - $ 12,157 Collectively evaluated for impairment 38,181 30,444 395,890 220,878 59,096 - 744,489 Total $ 40,401 $ 34,322 $ 401,949 $ 220,878 $ 59,096 $ - $ 756,646 Changes in Methodology: The Company did not make any changes to its allowance for loan losses methodology in the current period. Reserve for Unfunded Loan Commitments In addition to the allowance for loan losses, the Company maintains a reserve for unfunded loan commitments at a level that management believes is adequate to absorb estimated probable losses. Adjustments to the reserve are made through other expense and applied to the reserve which is classified as other liabilities. At December 31, 2015, a $ 138 thousand commitment reserve was reported on the balance sheet as an “other liability”, compared to a $151 thousand commitment reserve at December 31, 2015. There were no losses on unfunded loan commitments during 2015 or 2014.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Premises and Equipment [Abstract]
Premises and Equipment	6. Premises and Equipment The detail of premises and equipment as of December 31 st for the past two years is as follows: (In thousands) December 31, 2015 December 31, 2014 Land and buildings $ 17,286 $ 17,136 Furniture, fixtures and equipment 7,510 7,032 Leasehold improvements 1,825 1,709 Gross premises and equipment 26,621 25,877 Less: Accumulated depreciation (11,450) (10,646) Net premises and equipment $ 15,171 $ 15,231 Amounts charged to noninterest expense for depreciation of premises and equipment amounted to $ 990 thousand and $1.0 million in 2015 and 2014, respectively.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Other Assets	7. Other Assets The detail of other assets as of December 31 st for the past two years is as follows: (In thousands) December 31, 2015 December 31, 2014 Prepaid expenses $ 516 $ 399 Servicing assets: SBA servicing asset 515 404 Mortgage servicing asset 874 349 Net receivable due from SBA 226 318 Other 932 1,821 Total other assets $ 3,063 $ 3,291

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	8. Deposits The following table details the maturity distribution of time deposits as of December 31 st for the past two years: Three More than three More than six More than months months through months through twelve (In thousands) or less six months twelve months months Total At December 31, 2015: Less than $100,000 $ 9,948 $ 10,091 $ 30,650 $ 83,779 $ 134,468 $100,000 or more 15,919 31,377 31,854 63,556 142,706 At December 31, 2014: Less than $100,000 $ 10,988 $ 7,837 $ 14,512 $ 79,782 $ 113,119 $100,000 or more 11,444 8,290 19,570 59,910 99,214 The following table presents the expected maturities of time deposits over the next five years: (In thousands) 2016 2017 2018 2019 2020 Thereafter Total Balance maturing $ 129,839 $ 16,729 $ 45,860 $ 58,404 $ 26,286 $ 56 $ 277,174 Time deposits with balances of $250 thousand or more totaled $ 38.6 million and $ 17.7 million at December 31, 2015 and 2014, respectively.

Borrowed Funds and Subordinated

Borrowed Funds and Subordinated Debentures	12 Months Ended
	Dec. 31, 2015
Borrowed Funds and Subordinated Debentures [Abstract]
Borrowed Funds and Subordinated Debentures	9. Borrowed Funds and Subordinated Debentures The following table presents the period-end and average balances of borrowed funds and subordinated debentures for the past three years with resultant rates: 2015 2014 2013 (In thousands) Amount Rate Amount Rate Amount Rate FHLB borrowings and repurchase agreements: At December 31, $ 77,000 2.66 % $ 110,000 2.31 % $ 92,000 2.58 % Year-to-date average 57,187 3.72 60,765 3.96 61,010 3.88 Maximum outstanding 140,000 110,000 95,000 Repurchase agreements: At December 31, $ 15,000 3.67 % $ 15,000 3.67 % $ 15,000 3.67 % Year-to-date average 15,000 3.67 15,000 3.67 15,000 3.67 Maximum outstanding 15,000 15,000 15,000 Subordinated debentures: At December 31, $ 15,465 1.98 % $ 15,465 1.82 % $ 15,465 1.80 % Year-to-date average 15,465 1.87 15,465 1.81 15,465 1.83 Maximum outstanding 15,465 15,465 15,465 The following table presents the expected maturities of borrowed funds and subordinated debentures over the next five years: (In thousands) 2016 2017 2018 2019 2020 Thereafter Total FHLB borrowings and repurchase agreements $ 27,000 $ 30,000 $ - $ - $ 20,000 $ - $ 77,000 Other repurchase agreements - - 15,000 - - - 15,000 Subordinated debentures - - - - - 15,465 15,465 Total borrowings $ 27,000 $ 30,000 $ 15,000 $ - $ 20,000 $ 15,465 $ 107,465 FHLB Borrowings FHLB borrowings at December 31, 2015 included a $ 7.0 million overnight line of credit advance, versus $50.0 million at December 31, 2014. FHLB borrowings at December 31, 2015 also consisted of five $ 10.0 million advances, one of which is callable quarterly, and one $ 20.0 million advance. Comparatively, FHLB borrowings at December 31, 2014 consisted of six $10.0 million advances. The terms of these transactions at year end 2015 are as follows: · The $7.0 million FHLB overnight line of credit advance issued on December 31, 2015 was at a rate of 0.52 percent and was repaid on January 4, 2016. · The $ 10.0 million FHLB advance that was issued on August 10, 2007 has a fixed rate of 4.23 percent, matures on August 10, 2017 and is callable quarterly on the 10th of November, February, May and August. · The $ 10.0 million FHLB advance that was issued on July 17, 2014 has a fixed rate of 4.27 percent, matures on April 5, 2017 . · The $ 10.0 million FHLB advance that was issued on July 17, 2014 has a fixed rate of 3.40 percent, matures on December 20, 2017 . · The $ 10.0 million FHLB advance that was modified on October 27, 2015 has a fixed rate of 2.02 percent, matures on October 27, 2020 . This advance previously had a fixed rate of 4.03% and was set to mature on November 2, 2016. · The $ 10.0 million FHLB advance that was modified on October 27, 2015 has a fixed rate of 2.15 percent, matures on October 27, 2020 . This advance previously had a fixed rate of 4.19% and was set to mature on December 15, 2016. · The $ 20.0 million FHLB advance that was issued on December 7, 2015, has an adjustable interest rate equal to 3 months LIBOR plus 29.5 basis points, matures on June 7, 2016. Due to the call provisions on one of these advances, the expected maturity could differ from the contractual maturity. Repurchase Agreements At December 31, 2015 and 2014, the Company was a party to a $ 15.0 million repurchase agreement that was entered into in February 2008, has a term of 10 years expiring on February 28, 2018 , and a rate of 3.67 percent. The borrowing was callable by the issuer on the repurchase date of May 29, 2008 and quarterly thereafter. Due to the call provisions of this advance, the expected maturity could differ from the contractual maturity. Subordinated Debentures At December 31, 2015 and 2014, the Company was a party in the following subordinated debenture transactions: · On July 24, 2006, Unity (NJ) Statutory Trust II, a statutory business trust and wholly-owned subsidiary of Unity Bancorp, Inc., issued $ 10.0 million of floating rate capital trust pass through securities to investors due on July 24, 2036 . The subordinated debentures are redeemable in whole or part, prior to maturity but after July 24, 2011. The floating interest rate on the subordinated debentures is the three-month LIBOR plus 159 basis points and reprices quarterly. The floating interest rate was 2.18 percent at December 31, 2015 and 1.84 percent at December 31, 2014. · On December 19, 2006, Unity (NJ) Statutory Trust III, a statutory business trust and wholly-owned subsidiary of Unity Bancorp, Inc., issued $ 5.0 million of floating rate capital trust pass through securities to investors due on December 19, 2036 . The subordinated debentures are redeemable in whole or part, prior to maturity but after December 19, 2011 . The floating interest rate on the subordinated debentures is the three-month LIBOR plus 165 basis points and reprices quarterly. The floating interest rate was 2.06 percent at December 31, 2015 and 1.89 percent at December 31, 2014. · In connection with the formation of the statutory business trusts, the trusts also issued $ 465 thousand of common equity securities to the Company, which together with the proceeds stated above were used to purchase the subordinated debentures, under the same terms and conditions. The capital securities in each of the above transactions have preference over the common securities with respect to liquidation and other distributions and qualify as Tier I capital. Under the terms of the Dodd-Frank Wall Street Reform and Consumer Protection Act, these securities will continue to qualify as Tier 1 capital as the Company has less than $10 billion in assets. In accordance with FASB ASC Topic 810, “Consolidation,” the Company does not consolidate the accounts and related activity of Unity (NJ) Statutory Trust II and Unity (NJ) Statutory Trust III because it is not the primary beneficiary. The additional capital from each of these transactions was used to bolster the Company’s capital ratios and for general corporate purposes, including among other things, capital contributions to the Bank. The Company has the ability to defer interest payments on the subordinated debentures for up to five years without being in default. Due to the redemption provisions of these securities, the expected maturity could differ from the contractual maturity. On September 1, 2006, Unity Bank issued an $ 8.5 million unsecured, subordinated Capital Note in favor of the Company in exchange for $ 8.5 million in cash. The Capital Note is held by the Company for its own account until maturity on August 17, 2031 . The interest rate on the Capital Note is 8.75% per annum on the unpaid principal amount until the principal amount of the Capital Note has been satisfied in full. Subsequent to December 31, 2015, Unity (NJ) Statutory Trust III, repurchased the $ 5.0 million of floating rate securities, which had been issued on December 19, 2006, and redeemed $ 155 thousand of the related common equity securities described above. The subordinated debentures were repurchased at a price of $ 0.5475 per dollar, which resulted in a gain of approximately $ 2.25 million. These securities qualified as Tier I capital under the terms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Company remains well capitalized after this transaction. Derivative Financial Instruments and Hedging Activities Derivative Financial Instruments The Company has a stand alone derivative financial instrument in the form of an interest rate swap agreement, which derives its value from underlying interest rates. This transaction involves both credit and market risk. The notional amounts are amounts on which calculations, payments, and the value of the derivative is based. Notional amounts do not represent direct credit exposures. Direct credit exposure is limited to the net difference between the calculated amounts to be received and paid, if any. Such difference, which represents the fair value of the derivative instrument, is reflected on the Company’s balance sheet as other assets or other liabilities. The Company is exposed to credit-related losses in the event of nonperformance by the counterparties to this agreement. The Company controls the credit risk of its financial contracts through credit approvals, limits and monitoring procedures, and does not expect any counterparties to fail their obligations. The Company deals only with primary dealers. Derivative instruments are generally either negotiated OTC contracts or standardized contracts executed on a recognized exchange. Negotiated OTC derivative contracts are generally entered into between two counterparties that negotiate specific agreement terms, including the underlying instrument, amount, exercise prices and maturity. Risk Management Policies – Hedging Instruments The primary focus of the Company’s asset/liability management program is to monitor the sensitivity of the Company’s net portfolio value and net income under varying interest rate scenarios to take steps to control its risks. On a quarterly basis, the Company evaluates the effectiveness of entering into any derivative agreement by measuring the cost of such an agreement in relation to the reduction in net portfolio value and net income volatility within an assumed range of interest rates. Interest Rate Risk Management – Cash Flow Hedging Instruments The Company has FHLB Adjustable Rate Credit (“ARC”) variable rate debt as a source of funds for use in the Company’s lending and investment activities and for other general business purposes. These debt obligations expose the Company to variability in interest payments due to changes in interest rates. If interest rates increase, interest expense increases. Conversely, if interest rates decrease, interest expense decreases. Management believes it is prudent to limit the variability of a portion of its interest payments and, therefore hedges its variable-rate interest payments. To meet this objective, management enters into interest rate swap agreements whereby the Company receives variable interest rate payments and makes fixed interest rate payments during the contract period. During the twelve months ended December 31, 2015, the Company received variable rate Libor payments from and paid fixed rates in accordance with its interest rate swap agreements. A summary of the Company’s outstanding interest rate swap agreements used to hedge variable rate debt at December 31, 2015 is as follows: (In thousands, except percentages and years) 2015 Notional amount $ 20,000 Weighted average pay rate 1.90 % Weighted average receive rate 0.41 % Weighted average maturity in years 4.90 Unrealized loss relating to interest rate swaps $ 28 At December 31, 2015, the unrealized loss relating to interest rate swaps was recorded as a derivative liability. Changes in the fair value of interest rate swap designated as hedging instruments of the variability of cash flows associated with long-term debt are reported in other comprehensive income.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies [Abstract]
Commitments and Contingencies	10. Commitments and Contingencies Facility Lease Obligations The Company operates fifteen branches, four branches are under operating leases, including its headquarters, and eleven branches are owned. The contractual expiration range on the remaining four leases is between the years 2017 and 2018. The following table summarizes the contractual rent payments expected in future years: (In thousands) 2016 2017 2018 2019 Thereafter Total Operating lease rental payments $ 691 $ 635 $ 437 $ - $ - $ 1,763 Rent expense totaled $732 thousand for 2015 and $718 thousand for 2014. The Company currently accounts for all of its leases as operating leases. In addition, the Company has one lease with a related party. The Company leases its Clinton, New Jersey headquarters from a partnership in which two Board members, Messrs. D. Dallas and R. Dallas are partners. Under the lease for the facility, the Company paid aggregate rental payments of $400 thousand in 2015 and 2014, respectively. Rental payments reflect market rents and the lease reflects terms that are comparable to those which could have been obtained in a lease with an unaffiliated third party. When this lease expired at the end of 2014, it was renewed for another five -year term expiring at the end of 2018. The annual rent is increased each year beginning January 1, 2016 by the increase in the Consumer Price Index (“CPI”) for the New York Metropolitan area (not to exceed 1.5 percent). In March 2016, the Company purchased its headquarters for $4.1 million. This will reduce the operating lease obligations shown above by $ 355 thousand in the one year or less period and $830 thousand in the one to three years period. Litigation The Company may, in the ordinary course of business, become a party to litigation involving collection matters, contract claims and other legal proceedings relating to the conduct of its business. In the best judgment of management, based upon consultation with counsel, the consolidated financial position and results of operations of the Company will not be affected materially by the final outcome of any pending legal proceedings or other contingent liabilities and commitments. Commitments to Borrowers Commitments to extend credit are legally binding loan commitments with set expiration dates. They are intended to be disbursed, subject to certain conditions, upon the request of the borrower. The Company was committed to advance approximately $138.3 million to its borrowers as of December 31, 2015, compared to $150.9 million at December 31, 2014. At December 31, 2015, $51.3 million of these commitments expire within one year, compared to $74.1 million a year earlier. At December 31, 2015, the Company had $1.8 million in standby letters of credit compared to $1.5 million at December 31, 2014. The estimated fair value of these guarantees is not significant. The Company believes it has the necessary liquidity to honor all commitments.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	11. Accumulated Other Comprehensive Income (Loss) (a) The following table shows the changes in other comprehensive income (loss) for the past two years: For the years ended December 31, 2015 2014 (In thousands) Net unrealized gains (losses) on securities Adjustments related to defined benefit plan Net unrealized gains(losses) from cash flow hedges: Accumulated other comprehensive income (loss) Net unrealized (losses) gains on securities Accumulated other comprehensive (loss) income Balance, beginning of period $ 143 $ - $ - $ 143 $ (476) $ (476) Other comprehensive (loss) income before reclassifications (127) (498) (17) (642) 909 909 Less amounts reclassified from accumulated other comprehensive loss 18 (50) - (32) 290 290 Period change (145) (448) (17) (610) 619 619 Balance, end of period $ (2) $ (448) $ (17) $ (467) $ 143 $ 143 (a) All amounts are net of tax.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2015
Shareholders’ Equity [Abstract]
Shareholders’ Equity	12. Shareholders’ Equity Shareholders’ equity increased $ 8.3 million to $ 78.4 million at December 31, 2015 compared to $ 70.1 million at December 31, 2014, due primarily to net income of $ 9.6 million. Other items impacting shareholders’ equity included $1.1 million in dividends paid on common stock, $509 thousand from the issuance of common stock under employee benefit plans and $ 610 thousand in accumulated other comprehensive loss related to a decrease in the fair value of AFS securities and prior service costs, net of tax, recorded in conjunction with a net unrealized loss on cash flow hedge derivatives, along with a defined benefit plan discussed in Note 1. The issuance of common stock under employee benefit plans includes nonqualified stock options and restricted stock expense related entries, employee option exercises and the tax benefit of options exercised. Repurchase Plan On October 21, 2002, the Company authorized the repurchase of up to 10 percent of its outstanding common stock. The amount and timing of purchases is dependent upon a number of factors, including the price and availability of the Company’s shares, general market conditions and competing alternate uses of funds. As of December 31, 2015, the Company had repurchased a total of 556 thousand shares, of which 131 thousand shares have been retired, leaving 153 thousand shares remaining to be repurchased under the plan. There were no shares repurchased during 2015 or 2014.

Other Income

Other Income	12 Months Ended
	Dec. 31, 2015
Other Income [Abstract]
Other Income	13. Other Income The components of other income for the past two years are as follows: For the years ended December 31, (In thousands) 2015 2014 ATM and check card fees $ 569 $ 534 Wire transfer fees 90 95 Safe deposit box fees 89 68 Other 179 147 Total other income $ 927 $ 844

Other Expenses

Other Expenses	12 Months Ended
	Dec. 31, 2015
Other Expenses [Abstract]
Other Expenses	14. Other Expenses The components of other expenses for the past two years are as follows: For the years ended December 31, (In thousands) 2015 2014 Travel, entertainment, training and recruiting $ 698 $ 584 Director fees 437 359 Insurance 333 335 Stationery and supplies 256 250 Retail losses 143 56 Other 289 217 Total other expenses $ 2,156 $ 1,801

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	15. Income Taxes The components of the provision for income taxes for the past two years are as follows: For the years ended December 31, (In thousands) 2015 2014 Federal - current provision $ 4,067 $ 2,380 Federal - deferred provision 280 381 Total federal provision 4,347 2,761 State - current provision 377 267 State - deferred provision 87 117 Total state provision 464 384 Total provision for income taxes $ 4,811 $ 3,145 Reconciliation between the reported income tax provision and the amount computed by multiplying income before taxes by the statutory Federal income tax rate for the past two years is as follows: For the years ended December 31, (In thousands, except percentages) 2015 2014 Federal income tax provision at statutory rate $ 5,028 $ 3,248 35% rate in 2015 and 34% in 2014 Increases (decreases) resulting from: Bank owned life insurance (133) (190) Tax-exempt interest (99) (121) Meals and entertainment 18 18 State income taxes, net of federal income tax effect 302 253 Other, net (305) (63) Provision for income taxes $ 4,811 $ 3,145 Effective tax rate 33.5 % 32.9 % Deferred income taxes are provided for temporary differences between the financial reporting basis and the tax basis of the Company’s assets and liabilities. The components of the net deferred tax asset at December 31, 2015 and 2014 are as follows: (In thousands) December 31, 2015 December 31, 2014 Deferred tax assets: Allowance for loan losses $ 5,212 $ 5,013 Depreciation 519 489 Stock-based compensation 515 463 SERP 369 - Deferred compensation 262 231 Lost interest on nonaccrual loans 173 354 State net operating loss 139 132 Commitment reserve 56 60 Other 96 63 Gross deferred tax assets 7,341 6,805 Valuation allowance (139) (132) Total deferred tax assets 7,202 6,673 Deferred tax liabilities: Deferred loan costs 495 216 Goodwill 416 367 Deferred servicing fees 219 38 Bond accretion 104 100 Net unrealized security gains - 92 Total deferred tax liabilities 1,234 813 Net deferred tax asset $ 5,968 $ 5,860 The Company computes deferred income taxes under the asset and liability method. Deferred income taxes are recognized for tax consequences of “temporary differences” by applying enacted statutory tax rates to differences between the financial reporting and the tax basis of existing assets and liabilities. A deferred tax liability is recognized for all temporary differences that will result in future taxable income. A deferred tax asset is recognized for all temporary differences that will result in future tax deductions subject to reduction of the asset by a valuation allowance. The Company had a $ 139 thousand and $132 thousand valuation allowance for deferred tax assets related to its state net operating loss carry-forward deferred tax asset, the balance of which was $139 thousand and $ 132 thousand at December 31, 2015 and 2014, respectively. The Company’s state net operating loss carry-forwards totaled approximately $2.4 million at December 31, 2015 and expire between 2030 and 2035. Included as a component of deferred tax assets is an income tax expense (benefit) related to unrealized gains (losses) on securities available for sale, a supplemental retirement plan (SERP) and an interest rate swap. The after-tax component of each of these is included in other comprehensive income (loss) in shareholders’ equity. The after-tax component related to securities available for sale was an unrealized loss of $2 thousand for 2015 and an unrealized gain of $143 thousand for 2014. The after-tax component related to the SERP was an unrealized loss of $ 448 thousand for 2015. The after-tax component related to the interest rate swap was an unrealized loss of $ 17 thousand for 2015. The Company follows FASB ASC Topic 740, “Income Taxes,” which prescribes a threshold for the financial statement recognition of income taxes and provides criteria for the measurement of tax positions taken or expected to be taken in a tax return. ASC 740 also includes guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition of income taxes. The Company did not recognize or accrue any interest or penalties related to income taxes during the years ended December 31, 2015 and 2014. The Company does not have an accrual for uncertain tax positions as of December 31, 2015 or 2014, as deductions taken and benefits accrued are based on widely understood administrative practices and procedures and are based on clear and unambiguous tax law. Tax returns for all years 2011 and thereafter are subject to future examination by tax authorities.

Net Income per Share

Net Income per Share	12 Months Ended
	Dec. 31, 2015
Net Income per Share [Abstract]
Net Income per Share	16. Net Income per Share The following is a reconciliation of the calculation of basic and diluted net income per share for the past two years: For the years ended December 31, (In thousands, except per share amounts) 2015 2014 Net income $ 9,557 $ 6,408 Weighted average common shares outstanding - Basic 8,425 7,856 Plus: Potential dilutive common stock equivalents 104 89 Weighted average common shares outstanding - Diluted 8,529 7,945 Net income per common share - Basic $ 1.13 $ 0.82 Net income per common share - Diluted 1.12 0.81 Stock options and common stock excluded from the income per share calculation as their effect would have been anti-dilutive 81 114

Regulatory Capital

Regulatory Capital	12 Months Ended
	Dec. 31, 2015
Regulatory Capital [Abstract]
Regulatory Capital	17. Regulatory Capital A significant measure of the strength of a financial institution is its capital base. Federal regulators have classified and defined capital into the following components: (1) tier 1 capital, which includes tangible shareholders’ equity for common stock, qualifying preferred stock and certain qualifying hybrid instruments, and (2) tier 2 capital, which includes a portion of the allowance for loan losses, subject to limitations, certain qualifying long-term debt, preferred stock and hybrid instruments, which do not qualify for tier 1 capital. The Parent Company and its subsidiary Bank are subject to various regulatory capital requirements administered by banking regulators. Quantitative measures of capital adequacy include the leverage ratio (tier 1 capital as a percentage of tangible assets), tier 1 risk-based capital ratio (tier 1 capital as a percent of risk-weighted assets), total risk-based capital ratio (total risk-based capital as a percent of total risk-weighted assets), and common equity tier 1 capital ratio. Minimum capital levels are regulated by risk-based capital adequacy guidelines, which require the Company and the Bank to maintain certain capital as a percentage of assets and certain off-balance sheet items adjusted for predefined credit risk factors (risk-weighted assets). Failure to meet minimum capital requirements can initiate certain mandatory and possibly discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action applicable to banks, the Company and the Bank must meet specific capital guidelines. Prompt corrective action provisions are not applicable to bank holding companies. In September 2010, the Group of Governors and Heads of Supervision, the oversight body of the Basel Committee on Banking Supervision, adopted Basel III, which constitutes a set of capital reform measures designed to strengthen the regulation, supervision and risk management of banking organizations worldwide. In order to implement Basel III and certain additional capital changes required by the Dodd-Frank Act, the FDIC approved, as an interim final rule in July 2014, the regulatory capital requirements substantially similar to final rules issued by the Board of Governors of the Federal Reserve System (“Federal Reserve”) for U.S. state nonmember banks and the Office of the Comptroller of the Currency for national banks. The interim final rule includes new risk-based capital and leverage ratios that will be phased-in from 2015 to 2019 for most state nonmember banks. The rule includes a new common equity Tier 1 capital (“CET1”) to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets, which is in addition to the Tier 1 and Total risk-based capital requirements. The interim final rule also raises the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% and requires a minimum leverage ratio of 4.0%. The required minimum ratio of total capital to risk-weighted assets will remain 8.0%. The new risk-based capital requirements (except for the capital conservation buffer) became effective for the Company and the Bank on January 1, 2015. The new rules also include a one-time opportunity to opt-out of the changes to treatment of accumulated other comprehensive income (“AOCI”) components. By making the election to opt-out, the institution may continue treating AOCI items in a manner consistent with risk-based capital rules in place prior to January 2015. The permanent opt-out election must be made on the Call Report, FR Y-9C or FR Y-9SP, as applicable, for the first reporting period after January 1, 2015 and a parent holding company must make the same election as its subsidiary bank. If the institution does not elect to opt-out, then the institution will not have an opportunity to change its methodology in future periods. The Bank and the Company have made the election to opt out of the treatment of AOCI on the appropriate March 31, 2015 filings. In addition to the risk-based guidelines, regulators require that a bank or holding company, which meets the regulator’s highest performance and operation standards, maintain a minimum leverage ratio of 4 percent. For those institutions with higher levels of risk or that are experiencing or anticipating significant growth, the minimum leverage ratio will be proportionately increased. Minimum leverage ratios for each institution are evaluated through the ongoing regulatory examination process. The Company’s capital amounts and ratios are presented in the following table: To be well-capitalized For capital under prompt corrective Actual adequacy purposes action provisions (In thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Leverage ratio $ 92,442 8.82 % ≥ $ 41,934 4.00 % N/A N/A CET1 77,442 9.37 37,210 4.50 N/A N/A Tier I risk-based capital ratio 92,442 11.18 49,613 6.00 N/A N/A Total risk-based capital ratio 102,809 12.43 66,151 8.00 N/A N/A As of December 31, 2014 Leverage ratio $ 83,615 8.71 % ≥ $ 38,405 4.00 % N/A N/A Tier I risk-based capital ratio 83,615 11.57 28,900 4.00 N/A N/A Total risk-based capital ratio 92,691 12.83 57,779 8.00 N/A N/A The Bank’s capital amounts and ratios are presented in the following table: To be well-capitalized For capital under prompt corrective Actual adequacy purposes action provisions (In thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Leverage ratio $ 83,316 7.95 % ≥ $ 41,908 4.00 % ≥ $ 52,385 5.00 % CET1 83,316 10.08 37,193 4.50 53,723 6.50 Tier I risk-based capital ratio 83,316 10.08 49,590 6.00 66,120 8.00 Total risk-based capital ratio 102,179 12.36 66,120 8.00 82,650 10.00 As of December 31, 2014 Leverage ratio $ 74,819 7.80 % ≥ $ 38,381 4.00 % ≥ $ 47,976 5.00 % Tier I risk-based capital ratio 74,819 10.37 28,874 4.00 43,310 6.00 Total risk-based capital ratio 92,388 12.80 57,747 8.00 72,184 10.00 The following chart compares the risk-based capital required under existing rules to those prescribed under the interim final rule under the phase-in period described above: Treatment at December 31, 2014 December 31, 2015 Leverage ratio 4.00 % 4.00 % CET1 N/A 4.50 % Additional tier 1 N/A 1.50 % Tier 1 capital ratio 4.00 % 6.00 % Tier 2 4.00 % 2.00 % Total capital ratio 8.00 % 8.00 % Capital conservation buffer N/A 2.50 % The interim final rule also implements revisions and clarifications consistent with Basel III regarding the various components of Tier 1 capital, including common equity, unrealized gains and losses and instruments that will no longer qualify as Tier 1 capital. The interim final rule also sets forth certain changes for the calculation of risk-weighted assets that the Bank implemented as of January 1, 2015. The new capital rules will require the Company and the Bank to meet a capital conservation buffer requirement. To meet the requirement when it is fully phased in, common equity Tier 1 capital must be maintained at an amount that exceeds the buffer level of 2.5% above each of the minimum risk-weighted asset ratios. The requirement will be phased in over a four year period, starting January 1, 2016. At December 31, 2015 and 2014, Unity Bank is “well-capitalized” under the applicable regulatory capital adequacy guidelines.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Employee Benefit Plans [Abstract]
Employee Benefit Plans	18. Employee Benefit Plans Stock Transactions Stock Option Plans The Company has incentive and nonqualified option plans, which allow for the grant of options to officers, employees and members of the Board of Directors. Transactions under the Company’s stock option plans for 2015 and 2014 are summarized in the following table: Shares Weighted average exercise price Weighted average remaining contractual life in years Aggregate intrinsic value Outstanding at December 31, 2013 448,975 $ 6.70 5.6 $ 739,951 Options granted 46,000 8.16 Options exercised (36,950) 4.33 Options forfeited (9,119) 9.73 Options expired (29,985) 10.16 Outstanding at December 31, 2014 418,921 $ 6.76 5.5 $ 1,257,968 Options granted 57,000 9.56 Options exercised (525) 7.31 Options forfeited - - Options expired - - Outstanding at December 31, 2015 475,396 $ 7.09 5.1 $ 2,562,175 Exercisable at December 31, 2015 375,233 $ 6.65 4.1 $ 2,190,220 Grants under the Company’s incentive and nonqualified option plans generally vest over 3 years and must be exercised within 10 years of the date of grant. The exercise price of each option is the market price on the date of grant. As of December 31, 2015, 1 ,920,529 shares have been reserved for issuance upon the exercise of options, 475,396 option grants are outstanding, and 1,252,548 option grants have been exercised, forfeited or expired, leaving 192,585 shares available for grant. The fair values of the options granted during 2015 and 2014 were estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted average assumptions: For the years ended December 31, 2015 2014 Number of options granted 57,000 46,000 Weighted average exercise price $ 9.56 $ 8.16 Weighted average fair value of options $ 3.61 $ 3.21 Expected life in years (1) 6.69 5.54 Expected volatility (2) 42.20 % 45.32 % Risk-free interest rate (3) 1.89 % 1.57 % Dividend yield (4) 1.39 % 1.01 % (1) The expected life of the options was estimated based on historical employee behavior and represents the period of time that options granted are expected to be outstanding. (2) The expected volatility of the Company’s stock price was based on the historical volatility over the period commensurate with the expected life of the options. (3) The risk-free interest rate is the U.S Treasury rate commensurate with the expected life of the options on the date of grant. (4) The expected dividend yield is the projected annual yield based on the grant date stock price. Upon exercise, the Company issues shares from its authorized but unissued common stock to satisfy the options. The following table presents information about options exercised during 2015 and 2014: For the twelve months ended December 31, 2015 2014 Number of options exercised 525 36,950 Total intrinsic value of options exercised $ 1,302 $ 157,406 Cash received from options exercised - 70,405 Tax deduction realized from options exercised 520 62,868 The following table summarizes information about stock options outstanding and exercisable at December 31, 2015: Options outstanding Options exercisable Range of exercise prices Options outstanding Weighted average remaining contractual life (in years) Weighted average exercise price Options exercisable Weighted average exercise price $ 0.00 - 4.00 89,000 3.2 $ 3.85 89,000 $ 3.85 4.01 - 8.00 281,950 5.4 6.73 242,120 6.61 8.01 - 12.00 62,551 9.3 9.63 2,218 10.53 12.01 - 16.00 41,895 1.1 12.62 41,895 12.62 Total 475,396 5.1 $ 7.09 375,233 $ 6.65 FASB ASC Topic 718, “Compensation - Stock Compensation,” requires an entity to recognize the fair value of equity awards as compensation expense over the period during which an employee is required to provide service in exchange for such an award (vesting period). Compensation expense related to stock options and the related income tax benefit for the years ended December 31, 2015 and 2014 are detailed in the following table: For the years ended December 31, 2015 2014 Compensation expense $ 147,905 $ 152,349 Income tax benefit 59,073 60,848 As of December 31, 2015, unrecognized compensation costs related to nonvested share-based compensation arrangements granted under the Company’s stock option plans totaled approximately $ 247 thousand. That cost is expected to be recognized over a weighted average period of 2 .0 years. Restricted Stock Awards Restricted stock is issued under the stock bonus program to reward employees and directors and to retain them by distributing stock over a period of time. The following table summarizes nonvested restricted stock activity for the year ended December 31, 2015: Shares Average grant date fair value Nonvested restricted stock at December 31, 2014 77,750 $ 7.24 Granted 41,800 9.45 Cancelled (2,000) 9.81 Vested (36,750) 6.88 Nonvested restricted stock at December 31, 2015 80,800 $ 8.50 Restricted stock awards granted to date vest over a period of 4 years and are recognized as compensation to the recipient over the vesting period. Unless the recipient makes an election to recognize all compensation on the grant date, the awards are recorded at fair market value at the time of grant and amortized into salary expense on a straight line basis over the vesting period. As of December 31, 2015, 471,551 shares of restricted stock were reserved for issuance, of which 174,700 shares are available for grant. Restricted stock awards granted during the years ended December 31, 2015 and 2014 were as follows: For the years ended December 31, 2015 2014 Number of shares granted 41,800 17,500 Average grant date fair value $ 9.45 $ 8.88 Compensation expense related to the restricted stock for the years ended December 31, 2015 and 2014 is detailed in the following table: For the years ended December 31, 2015 2014 Compensation expense $ 302,425 $ 245,428 Income tax benefit 120,788 98,024 As of December 31, 2015, there was approximately $582 thousand of unrecognized compensation cost related to nonvested restricted stock awards granted under the Company’s stock incentive plans. That cost is expected to be recognized over a weighted average period of 2.6 years. 401(k) Savings Plan The Bank has a 401(k) savings plan covering substantially all employees. Under the Plan, an employee can contribute up to 80 percent of their salary on a tax deferred basis. The Bank may also make discretionary contributions to the Plan. The Bank contributed $ 312 thousand and $ 258 thousand to the Plan in 2015 and 2014, respectively. Deferred Fee Plan The Company has a deferred fee plan for Directors and executive management. Directors of the Company have the option to elect to defer up to 100 percent of their respective retainer and Board of Director fees, and each member of executive management has the option to elect to defer 100 percent of their year end cash bonuses. Director and executive deferred fees totaled $ 38 thousand in 2015 and $ 79 thousand in 2014, and the interest paid on deferred balances totaled $ 26 thousand in 2015 and $ 23 thousand in 2014. No fees were distributed in 2015 and 2014, respectively. Benefit Plans In addition to the 401(k) savings plan which covers substantially all employees, the Company established in 2015 an unfunded supplemental defined benefit plan to provide additional retirement benefits for the President and Chief Executive Officer (“CEO”) and an unfunded, nonqualified deferred compensation plan to provide additional retirement benefits for key executives. On June 4, 2015, the Company approved the Supplemental Executive Retirement Plan (the “SERP”) pursuant to which the President and CEO is entitled to receive certain supplemental nonqualified retirement benefits. Upon separation from service after age 66, the President and CEO will be entitled to an annual benefit in the amount of $156,000 payable in fifteen annual installments subject to annual 2% increases. The future payments are estimated to total $2.7 million. A discount rate of 3.84% was used to calculate the present value of the benefit obligation. The President and CEO commenced vesting to this retirement benefit on January 1, 2014, and shall vest an additional 3% each year until fully vested on January 1, 2024. In the event that the President and CEO’s separation from service from the Registrant were to occur prior to full vesting, the President and CEO would be entitled to and shall be paid the vested portion of the retirement benefit calculated as of the date of separation from service. Notwithstanding the foregoing, upon a Change in Control, and provided that within 6 months following the Change in Control the President and CEO is involuntary terminated for reasons other than “cause” or the President and CEO resigns for “good reason”, as such is defined in the SERP, or the President and CEO voluntarily terminates his employment after being offered continued employment in a positions that is not a “Comparable Position”, as such is also defined in the SERP, the President and CEO shall become 100% vested in the full retirement benefit. No contributions or payments have been made for the year 2015. The following table summarizes the components of the net periodic pension cost of the defined benefit plan recognized during the year ended December 31, 2015: (In thousands) For the year ended December 31, 2015 Service cost $ 59 Interest cost 34 Amortization of prior service cost 83 Net periodic benefit cost $ 176 The following table summarizes the changes in benefit obligations of the defined benefit plan recognized during the year ended December 31, 2015: (In thousands) For the year ended December 31, 2015 Benefit obligation, beginning of year $ - Initial recognition of prior service cost 830 Service cost 59 Interest cost 34 Actuarial gain (loss) - Benefit obligation, end of year $ 923 On October 22, 2015, the Company entered into an Executive Incentive Retirement Plan (the “Plan”) with key executive officers. The Plan has an effective date of January 1, 2015. The Plan is an unfunded, nonqualified deferred compensation plan. For any Plan Year, a guaranteed annual Deferral Award percentage of seven and one half percent (7.5%) of the participant’s annual base salary shall be credited to each Participant’s Deferred Benefit Account. A discretionary annual Deferral Award equal to seven and one half percent (7.5%) of the participant’s annual base salary may be credited to the Participant’s account in addition to the guaranteed Deferral Award, if the Bank exceeds the benchmarks set forth in the Annual Executive Bonus Matrix. The total Deferral Award shall never exceed fifteen percent (15%) for any given Plan Year. Each Participant shall be immediately one hundred percent (100%) vested in all Deferral Awards as of the date they are awarded. As of December 31, 2015, the company had total expenses of $150 thousand. The Plan is reflected on the Company’s balance sheet as accrued expenses. Certain members of management are also enrolled in a split-dollar life insurance plan with a post retirement death benefit of $ 250 thousand. Total expenses related to this plan were $ 5 thousand in 2015 and 2014, respectively.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2015
Fair Value [Abstract]
Fair Value	19. Fair Value Fair Value Measurement The Company follows FASB ASC Topic 820, “Fair Value Measurement and Disclosures,” which requires additional disclosures about the Company’s assets and liabilities that are measured at fair value. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an 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. In determining fair value, the Company uses various methods including market, income and cost approaches. Based on these approaches, the Company often utilizes certain assumptions that market participants would use in pricing the asset or liability, including assumptions about risk and/or the risks inherent in the inputs to the valuation technique. These inputs can be readily observable, market corroborated, or generally unobservable inputs. The Company utilizes techniques that maximize the use of observable inputs and minimize the use of unobservable inputs. The fair value hierarchy ranks the quality and reliability of the information used to determine fair values. Financial assets and liabilities carried at fair value will be classified and disclosed as follows: Level 1 Inputs · Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. · Generally, this includes debt and equity securities and derivative contracts that are traded in an active exchange market (i.e. New York Stock Exchange), as well as certain U.S. Treasury, U.S. Government and sponsored entity agency mortgage-backed securities that are highly liquid and are actively traded in over-the-counter markets. Level 2 Inputs · Quoted prices for similar assets or liabilities in active markets. · Quoted prices for identical or similar assets or liabilities in inactive markets. · Inputs other than quoted prices that are observable, either directly or indirectly, for the term of the asset or liability (i.e., interest rates, yield curves, credit risks, prepayment speeds or volatilities) or “market corroborated inputs.” · Generally, this includes U.S. Government and sponsored entity mortgage-backed securities, corporate debt securities and derivative contracts. Level 3 Inputs · Prices or valuation techniques that require inputs that are both unobservable (i.e. supported by little or no market activity) and that are significant to the fair value of the assets or liabilities. · These assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Fair Value on a Recurring Basis The following is a description of the valuation methodologies used for instruments measured at fair value on a recurring basis: Securities Available for Sale As of December 31, 2015, the fair value of the Company's AFS securities portfolio was $ 52.9 million. Approximately 5 0 percent of the portfolio was made up of residential mortgage-backed securities, which had a fair value of $ 26.4 million at December 31, 2015. Approximately $ 25.6 million of the residential mortgage-backed securities are guaranteed by the Government National Mortgage Association ("GNMA"), the Federal National Mortgage Association ("FNMA") or the Federal Home Loan Mortgage Corporation ("FHLMC"). The underlying loans for these securities are residential mortgages that are geographically dispersed throughout the United States. All of the Company’s AFS securities were classified as Level 2 assets at December 31, 2015. The valuation of AFS securities using Level 2 inputs was primarily determined using the market approach, which uses quoted prices for similar assets or liabilities in active markets and all other relevant information. It includes model pricing, defined as valuing securities based upon their relationship with other benchmark securities. There were no changes in the inputs or methodologies used to determine fair value during the year ended December 31, 2015, as compared to the year ended December 31, 2014. The tables below present the balances of assets measured at fair value on a recurring basis as of December 31 st for the past two years: December 31, 2015 (In thousands) Level 1 Level 2 Level 3 Total Securities available for sale: U.S. Government sponsored entities $ - $ 6,581 $ - $ 6,581 State and political subdivisions - 10,782 - 10,782 Residential mortgage-backed securities - 26,439 - 26,439 Corporate and other securities - 9,063 - 9,063 Total securities available for sale $ - $ 52,865 $ - $ 52,865 December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Securities available for sale: U.S. Government sponsored entities $ - $ 4,618 $ - $ 4,618 State and political subdivisions - 11,132 - 11,132 Residential mortgage-backed securities - 34,383 - 34,383 Corporate and other securities - 9,940 - 9,940 Total securities available for sale $ - $ 60,073 $ - $ 60,073 Fair Value on a Nonrecurring Basis Certain assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following is a description of the valuation methodologies used for instruments measured at fair value on a nonrecurring basis: Appraisal Policy All appraisals must be performed in accordance with the Uniform Standards of Professional Appraisal Practice (“USPAP”). Appraisals are certified to the Company and performed by appraisers on the Company’s approved list of appraisers. Evaluations are completed by a person independent of Company management. The content of the appraisal depends on the complexity of the property. Appraisals are completed on a “retail value” and an “as is value”. The Company requires current real estate appraisals on all loans that become OREO or in-substance foreclosure, loans that are classified substandard, doubtful or loss, or loans that are over $ 100,000 and nonperforming. Prior to each balance sheet date, the Company values impaired collateral-dependent loans and OREO based upon a third party appraisal, broker's price opinion, drive by appraisal, automated valuation model, updated market evaluation, or a combination of these methods. The amount is discounted for the decline in market real estate values (for original appraisals), for any known damage or repair costs, and for selling and closing costs. The amount of the discount ranges from 10 to 15 percent and is dependent upon the method used to determine the original value. The original appraisal is generally used when a loan is first determined to be impaired. When applying the discount, the Company takes into consideration when the appraisal was performed, the collateral’s location, the type of collateral, any known damage to the property and the type of business. Subsequent to entering impaired status and the Company determining that there is a collateral shortfall, the Company will generally, depending on the type of collateral, order a third party appraisal, broker's price opinion, automated valuation model or updated market evaluation. Subsequent to receiving the third party results, the Company will discount the value 8 to 10 percent for selling and closing costs. OREO The fair value was determined using appraisals, which may be discounted based on management’s review and changes in market conditions (Level 3 Inputs). Impaired Collateral-Dependent Loans The fair value of impaired collateral-dependent loans is derived in accordance with FASB ASC Topic 310, “Receivables.” Fair value is determined based on the loan’s observable market price or the fair value of the collateral. Partially charged-off loans are measured for impairment based upon an appraisal for collateral-dependent loans. When an updated appraisal is received for a nonperforming loan, the value on the appraisal is discounted in the manner discussed above. If there is a deficiency in the value after the Company applies these discounts, management applies a specific reserve and the loan remains in nonaccrual status. The receipt of an updated appraisal would not qualify as a reason to put a loan back into accruing status. The Company removes loans from nonaccrual status when the borrower makes six months of contractual payments and demonstrates the ability to service the debt going forward. Charge-offs are determined based upon the loss that management believes the Company will incur after evaluating collateral for impairment based upon the valuation methods described above and the ability of the borrower to pay any deficiency. The valuation allowance for impaired loans is included in the allowance for loan losses in the consolidated balance sheets. At December 31, 2015, the valuation allowance for impaired loans was $ 842 thousand, a decrease of $ 319 thousand from $ 1. 2 million at December 31, 2014. The following tables present the assets and liabilities subject to fair value adjustments (impairment) on a non-recurring basis carried on the balance sheet by caption and by level within the hierarchy (as described above): Fair value at December 31, 2015 (In thousands) Level 1 Level 2 Level 3 Total Financial assets: OREO $ - $ - $ 1,591 $ 1,591 Impaired collateral-dependent loans - - 6,331 6,331 Fair value at December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Financial assets: OREO $ - $ - $ 1,162 $ 1,162 Impaired collateral-dependent loans - - 10,996 10,996 Fair Value of Financial Instruments FASB ASC Topic 825, “Financial Instruments,” requires the disclosure of the estimated fair value of certain financial instruments, including those financial instruments for which the Company did not elect the fair value option. These estimated fair values as of December 31, 2015 and December 31, 2014 have been determined using available market information and appropriate valuation methodologies. Considerable judgment is required to interpret market data to develop estimates of fair value. The estimates presented are not necessarily indicative of amounts the Company could realize in a current market exchange. The use of alternative market assumptions and estimation methodologies could have had a material effect on these estimates of fair value. The methodology for estimating the fair value of financial assets and liabilities that are measured on a recurring or nonrecurring basis are discussed above. The following methods and assumptions were used to estimate the fair value of other financial instruments for which it is practicable to estimate that value: Cash and Cash Equivalents For these short-term instruments, the carrying value is a reasonable estimate of fair value. Securities The fair value of securities is based upon quoted market prices for similar or identical assets or other observable inputs (Level 2) or externally developed models that use unobservable inputs due to limited or no market activity of the instrument (Level 3). SBA Loans Held for Sale The fair value of SBA loans held for sale is estimated by using a market approach that includes significant other observable inputs. Loans The fair value of loans is estimated by discounting the future cash flows using current market rates that reflect the interest rate risk inherent in the loan, except for previously discussed impaired loans. Federal Home Loan Bank Stock Federal Home Loan Bank stock is carried at cost. Carrying value approximates fair value based on the redemption provisions of the issues. Servicing Assets Servicing assets do not trade in an active, open market with readily observable prices. The Company estimates the fair value of servicing assets using discounted cash flow models incorporating numerous assumptions from the perspective of a market participant including market discount rates and prepayment speeds. Accrued Interest The carrying amounts of accrued interest approximate fair value. Deposit Liabilities The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date (i.e. carrying value). The fair value of fixed-maturity certificates of deposit is estimated by discounting the future cash flows using current market rates. Borrowed Funds and Subordinated Debentures The fair value of borrowings is estimated by discounting the projected future cash flows using current market rates. Standby Letters of Credit At December 31, 2015, the Bank had standby letters of credit outstanding of $ 1.8 million, as compared to $ 1.5 million at December 31, 2014. The fair value of these commitments is nominal. The table below presents the carrying amount and estimated fair values of the Company’s financial instruments not previously presented as of December 31 st for the past two years: December 31, 2015 December 31, 2014 (In thousands) Fair value level Carrying amount Estimated fair value Carrying amount Estimated fair value Financial assets: Cash and cash equivalents Level 1 $ 88,157 $ 88,157 $ 129,821 $ 129,821 Securities (1) Level 2 71,336 71,472 80,082 80,354 SBA loans held for sale Level 2 13,114 14,324 5,179 5,655 Loans, net of allowance for loan losses (2) Level 2 863,085 864,691 744,095 748,093 Federal Home Loan Bank stock Level 2 4,600 4,600 6,032 6,032 Servicing assets Level 3 1,389 1,389 753 753 Accrued interest receivable Level 2 3,884 3,884 3,518 3,518 OREO Level 3 1,591 1,591 1,162 1,162 Financial liabilities: Deposits Level 2 894,493 893,651 794,341 794,436 Borrowed funds and subordinated debentures Level 2 107,465 109,549 140,465 145,333 Accrued interest payable Level 2 461 461 474 474 (1) Includes held to maturity commercial mortgage-backed securities that are considered Level 3. These securities had book values of $3.9 million and $ 4.0 million at December 31, 2015 and 2014, respectively, and market values of $3.8 million and $ 4.0 million at December 31, 2015 and 2014, respectively. (2) Includes impaired loans that are considered Level 3 and reported separately in the tables under the “Fair Value on a Nonrecurring Basis” heading. Collateral-dependent impaired loans, net of specific reserves totaled $ 6.3 million and $ 11.0 million at December 31, 2015 and 2014, respectively.

Condensed Financial Statements

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) [Abstract]
Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only)	20. Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) Balance Sheets (In thousands) December 31, 2015 December 31, 2014 ASSETS Cash and cash equivalents $ 466 $ 198 Securities available for sale 216 198 Capital note due from Bank 8,500 8,500 Investment in subsidiaries 84,336 76,323 Other assets 448 446 Total assets $ 93,966 $ 85,665 LIABILITIES AND SHAREHOLDERS' EQUITY Other liabilities $ 31 $ 77 Subordinated debentures 15,465 15,465 Shareholders' equity 78,470 70,123 Total liabilities and shareholders' equity $ 93,966 $ 85,665 Statements of Income For the years ended December 31, (In thousands) 2015 2014 Total interest income $ 1,893 $ 983 Total interest expense 289 281 Net interest income 1,604 702 Gains on sales of securities - - Other expenses 20 32 Income before provision for income taxes and equity in undistributed net income of subsidiary 1,584 670 Provision for income taxes 159 209 Income before equity in undistributed net income of subsidiary 1,425 461 Equity in undistributed net income of subsidiary 8,132 5,947 Net income 9,557 6,408 Statements of Cash Flows For the years ended December 31, (In thousands) 2015 2014 OPERATING ACTIVITIES Net income $ 9,557 $ 6,408 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiary (8,132) (5,947) Net change in other assets and other liabilities (54) 53 Net cash provided by operating activities 1,371 514 INVESTING ACTIVITIES Purchases of securities - - Proceeds from sales of securities - - Net cash used in investing activities - - FINANCING ACTIVITIES Proceeds from exercise of stock options - 70 Proceeds from rights offering - 6,143 Investment in Bank - (6,500) Cash dividends paid on common stock (1,103) (753) Net cash provided used in financing activities (1,103) (1,040) Increase (decrease) in cash and cash equivalents 268 (526) Cash and cash equivalents, beginning of period 198 724 Cash and cash equivalents, end of period $ 466 $ 198 SUPPLEMENTAL DISCLOSURES Interest paid $ 287 $ 281

Quarterly Financial Information

Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information (Unaudited) [Abstract]
Quarterly Financial Information (Unaudited)	Quarterly Financial Information (Unaudited) The following quarterly financial information for the years ended December 31, 2015 and 2014 is unaudited. However, in the opinion of management, all adjustments, which include normal recurring adjustments necessary to present fairly the results of operations for the periods, are reflected. 2015 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 9,884 $ 10,218 $ 10,554 $ 10,995 Total interest expense 1,864 1,849 1,932 2,015 Net interest income 8,020 8,369 8,622 8,980 Provision for loan losses 200 - 200 100 Net interest income after provision for loan losses 7,820 8,369 8,422 8,880 Total noninterest income 1,641 1,893 2,275 1,920 Total noninterest expense 6,502 6,652 6,852 6,846 Income before provision for income taxes 2,959 3,610 3,845 3,954 Provision for income taxes 1,020 1,182 1,294 1,315 Net income $ 1,939 $ 2,428 $ 2,551 $ 2,639 Net income per common share - Basic $ 0.23 $ 0.29 $ 0.30 $ 0.31 Net income per common share - Diluted 0.23 0.28 0.30 0.31 2014 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 9,023 $ 9,102 $ 9,491 $ 9,802 Total interest expense 1,736 1,797 1,859 1,914 Net interest income 7,287 7,305 7,632 7,888 Provision for loan losses 600 550 550 850 Net interest income after provision for loan losses 6,687 6,755 7,082 7,038 Total noninterest income 1,526 1,640 1,853 1,660 Total noninterest expense 6,258 6,144 6,241 6,045 Income before provision for income taxes 1,955 2,251 2,694 2,653 Provision for income taxes 662 723 808 952 Net income $ 1,293 $ 1,528 $ 1,886 $ 1,701 Net income per common share - Basic $ 0.17 $ 0.20 $ 0.24 $ 0.21 Net income per common share - Diluted 0.17 0.20 0.24 0.20

Significant Accounting Policies

Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Summary of Significant Accounting Policies [Abstract]
Overview	Overview The accompanying Consolidated Financial Statements include the accounts of Unity Bancorp, Inc. (the “Parent Company”) and its wholly-owned subsidiary, Unity Bank (the “Bank” or when consolidated with the Parent Company, the “Company”). All significant intercompany balances and transactions have been eliminated in consolidation. Unity Bancorp, Inc. is a bank holding company incorporated in New Jersey and registered under the Bank Holding Company Act of 1956, as amended. Its wholly-owned subsidiary, the Bank, is chartered by the New Jersey Department of Banking and Insurance. The Bank provides a full range of commercial and retail banking services through fifteen branch offices located in Hunterdon, Middlesex, Somerset, Union and Warren counties in New Jersey and Northampton County in Pennsylvania. These services include the acceptance of demand, savings, and time deposits and the extension of consumer, real estate, Small Business Administration (“SBA”) and other commercial credits. Unity Bank has nine wholly-owned subsidiaries: Unity Investment Services, Inc., AJB Residential Realty Enterprises, Inc., AJB Commercial Realty, Inc., MKCD Commercial, Inc., JAH Commercial, Inc., UB Commercial LLC, ASBC Holdings LLC, Unity Property Holdings 1, Inc., and Unity Property Holdings 2, Inc. Unity Investment Services, Inc. is used to hold and administer part of the Bank’s investment portfolio. The other subsidiaries hold, administer and maintain the Bank’s other real estate owned (“OREO”) properties. Unity Investment Services, Inc. has one subsidiary, Unity Delaware Investment 2, Inc., which has one subsidiary, Unity NJ REIT, Inc. Unity NJ REIT, Inc. was added in 2013 to hold loans. The Company has two unconsolidated, wholly-owned statutory trust subsidiaries. For additional information, see Note 9 to the Consolidated Financial Statements.
Use Of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Amounts requiring the use of significant estimates include the allowance for loan losses, valuation of deferred tax and servicing assets, the carrying value of loans held for sale and other real estate owned, the valuation of securities and the determination of other-than-temporary impairment for securities and fair value disclosures. Actual results could differ from those estimates.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest-bearing deposits.
Securities	Securities The Company classifies its securities into two categories, available for sale and held to maturity. Securities that are classified as available for sale are stated at fair value. Unrealized gains and losses on securities available for sale are generally excluded from results of operations and are reported as other comprehensive income, a separate component of shareholders’ equity, net of taxes. Securities classified as available for sale include securities that may be sold in response to changes in interest rates, changes in prepayment risks or for asset/liability management purposes. The cost of securities sold is determined on a specific identification basis. Gains and losses on sales of securities are recognized in the Consolidated Statements of Income on the date of sale. Securities are classified as held to maturity based on management’s intent and ability to hold them to maturity. Such securities are stated at cost, adjusted for unamortized purchase premiums and discounts using the level yield method. If transfers between the available for sale and held to maturity portfolios occur, they are accounted for at fair value and unrealized holding gains and losses are accounted for at the date of transfer. For securities transferred to available for sale from held to maturity, unrealized gains or losses as of the date of the transfer are recognized in other comprehensive income (loss), a separate component of shareholders’ equity. For securities transferred into the held to maturity portfolio from the available for sale portfolio, unrealized gains or losses as of the date of transfer continue to be reported in other comprehensive income (loss), and are amortized over the remaining life of the security as an adjustment to its yield, consistent with amortization of the premium or accretion of the discount. For additional information on securities, see Note 3 to the Consolidated Financial Statements. Other-Than-Temporary Impairment The Company has a process in place to identify debt securities that could potentially incur credit impairment that is other-than-temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts and cash flow projections as indicators of credit issues. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concern warrants such evaluation. This evaluation considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (1) the extent and length of time the fair value has been below cost; (2) the reasons for the decline in value; (3) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (4) for fixed maturity securities, the intent to sell a security or whether it is more likely than not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity. For debt securities that are considered other-than-temporarily impaired where management has no intent to sell and the Company has no requirement to sell prior to recovery of its amortized cost basis, the amount of the impairment is separated into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security’s amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security’s fair value and the present value of future expected cash flows is due to factors that are not credit related and is recognized in other comprehensive income. For debt securities where management has the intent to sell, the amount of the impairment is reflected in earnings as realized losses. The present value of expected future cash flows is determined using the best estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds and structural support, including subordination and guarantees. The corporate bond cash flow estimates are derived from scenario-based outcomes of expected corporate restructurings or the disposition of assets using bond specific facts and circumstances including timing, security interests and loss severity.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loans	Loans Loans Held for Sale Loans held for sale represent the guaranteed portion of SBA loans and are reflected at the lower of aggregate cost or market value. The Company originates loans to customers under an SBA program that historically has provided for SBA guarantees of up to 90 percent of each loan. The Company generally sells the guaranteed portion of its SBA loans to a third party and retains the servicing, holding the nonguaranteed portion in its portfolio. The net amount of loan origination fees on loans sold is included in the carrying value and in the gain or loss on the sale. When sales of SBA loans do occur, the premium received on the sale and the present value of future cash flows of the servicing assets are recognized in income. All criteria for sale accounting must be met in order for the loan sales to occur; see details under the “Transfers of Financial Assets” heading above. Servicing assets represent the estimated fair value of retained servicing rights, net of servicing costs, at the time loans are sold. Servicing assets are amortized in proportion to, and over the period of, estimated net servicing revenues. Impairment is evaluated based on stratifying the underlying financial assets by date of origination and term. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment, if temporary, would generally be reported as a valuation allowance. Serviced loans sold to others are not included in the accompanying Consolidated Balance Sheets. Income and fees collected for loan servicing are credited to noninterest income when earned, net of amortization on the related servicing assets. For additional information on servicing assets, see Note 4 to the Consolidated Financial Statements. Loans Held for Investment Loans held for investment are stated at the unpaid principal balance, net of unearned discounts and deferred loan origination fees and costs. In accordance with the level yield method, loan origination fees, net of direct loan origination costs, are deferred and recognized over the estimated life of the related loans as an adjustment to the loan yield. Interest is credited to operations primarily based upon the principal balance outstanding. Loans are reported as past due when either interest or principal is unpaid in the following circumstances: fixed payment loans when the borrower is in arrears for two or more monthly payments; open end credit for two or more billing cycles; and single payment notes if interest or principal remains unpaid for 30 days or more. Nonperforming loans consist of loans that are not accruing interest as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt (nonaccrual loans). When a loan is classified as nonaccrual, interest accruals are discontinued and all past due interest previously recognized as income is reversed and charged against current period earnings. Generally, until the loan becomes current, any payments received from the borrower are applied to outstanding principal until such time as management determines that the financial condition of the borrower and other factors merit recognition of a portion of such payments as interest income. Loans may be returned to an accrual status when the ability to collect is reasonably assured and when the loan is brought current as to principal and interest. Loans are charged off when collection is sufficiently questionable and when the Company can no longer justify maintaining the loan as an asset on the balance sheet. Loans qualify for charge-off when, after thorough analysis, all possible sources of repayment are insufficient. These include: 1) potential future cash flows, 2) value of collateral, and/or 3) strength of co-makers and guarantors. All unsecured loans are charged off upon the establishment of the loan’s nonaccrual status. Additionally, all loans classified as a loss or that portion of the loan classified as a loss is charged off. All loan charge-offs are approved by the Board of Directors. Troubled debt restructurings ("TDRs") occur when a creditor, for economic or legal reasons related to a debtor’s financial condition, grants a concession to the debtor that it would not otherwise consider. These concessions typically include reductions in interest rate, extending the maturity of a loan, or a combination of both. Interest income on accruing TDRs is credited to operations primarily based upon the principal amount outstanding, as stated in the paragraphs above. The Company evaluates its loans for impairment. A loan is considered 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. The Company has defined impaired loans to be all TDRs and nonperforming loans. Impairment is evaluated in total for smaller-balance loans of a similar nature (consumer and residential mortgage loans), and on an individual basis for all other loans. Impairment of a loan is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, or as a practical expedient, based on a loan’s observable market price or the fair value of collateral, net of estimated costs to sell, if the loan is collateral-dependent. If the value of the impaired loan is less than the recorded investment in the loan, the Company establishes a valuation allowance, or adjusts existing valuation allowances, with a corresponding charge to the provision for loan losses. For additional information on loans, see Note 4 to the Consolidated Financial Statements.
Allowance for Loan Losses and Reserve for Unfunded Loan Commitments	Allowance for Loan Losses and Reserve for Unfunded Loan Commitments The allowance for loan losses is maintained at a level management considers adequate to provide for probable loan losses as of the balance sheet date. The allowance is increased by provisions charged to expense and is reduced by net charge-offs. The level of the allowance is based on management’s evaluation of probable losses in the loan portfolio, after consideration of prevailing economic conditions in the Company’s market area, the volume and composition of the loan portfolio, and historical loan loss experience. The allowance for loan losses consists of specific reserves for individually impaired credits and TDRs, reserves for nonimpaired loans based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations or local/national economic trends. This risk assessment process is performed at least quarterly, and, as adjustments become necessary, they are realized in the periods in which they become known. Although management attempts to maintain the allowance at a level deemed adequate to provide for probable losses, future additions to the allowance may be necessary based upon certain factors including changes in market conditions and underlying collateral values. In addition, various regulatory agencies periodically review the adequacy of the Company’s allowance for loan losses. These agencies may require the Company to make additional provisions based on judgments about information available at the time of the examination. The Company maintains a reserve for unfunded loan commitments at a level that management believes is adequate to absorb estimated probable losses. Adjustments to the reserve are made through other expenses and applied to the reserve which is classified as other liabilities. For additional information on the allowance for loan losses and reserve for unfunded loan commitments, see Note 5 to the Consolidated Financial Statements.
Premises and Equipment	Premises and Equipment Land is carried at cost. All other fixed assets are carried at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. The useful life of buildings is not to exceed 30 years; furniture and fixtures is generally 10 years or less, and equipment is 3 to 5 years. Leasehold improvements are depreciated over the life of the underlying lease. For additional information on premises and equipment, see Note 6 to the Consolidated Financial Statements.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company purchased life insurance policies on certain members of management. Bank owned life insurance is recorded at its cash surrender value or the amount that can be realized.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost. Management reviews the stock for impairment based on the ultimate recoverability of the cost basis in the stock. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. Management considers such criteria as the significance of the decline in net assets, if any, of the FHLB, the length of time this situation has persisted, commitments by the FHLB to make payments required by law or regulation, the impact of legislative and regulatory changes on the customer base of the FHLB and the liquidity position of the FHLB.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned is recorded at the fair value, less estimated costs to sell at the date of acquisition, with a charge to the allowance for loan losses for any excess of the loan carrying value over such amount. Subsequently, OREO is carried at the lower of cost or fair value, as determined by current appraisals. Certain costs that increase the value or extend the useful life in preparing properties for sale are capitalized to the extent that the appraisal amount exceeds the carry value, and expenses of holding foreclosed properties are charged to operations as incurred. Appraisals The Company requires current real estate appraisals on all loans that become OREO or in-substance foreclosure, loans that are classified substandard, doubtful or loss, or loans that are over $100,000 and nonperforming. Prior to each balance sheet date, the Company values impaired collateral-dependent loans and OREO based upon a third party appraisal, broker's price opinion, drive by appraisal, automated valuation model, updated market evaluation, or a combination of these methods. The amount is discounted for the decline in market real estate values (for original appraisals), for any known damage or repair costs, and for selling and closing costs. The amount of the discount is dependent upon the method used to determine the original value. The original appraisal is generally used when a loan is first determined to be impaired. When applying the discount, the Company takes into consideration when the appraisal was performed, the collateral’s location, the type of collateral, any known damage to the property and the type of business. Subsequent to entering impaired status and the Company determining that there is a collateral shortfall, the Company will generally, depending on the type of collateral, order a third party appraisal, broker's price opinion, automated valuation model or updated market evaluation. Subsequent to receiving the third party results, the Company will discount the value 6 to 10 percent for selling and closing costs.
Income Taxes	Income Taxes The Company follows Financial Accounting Standards Board Accounting Standards Codification ("FASB ASC") Topic 740, “Income Taxes,” which prescribes a threshold for the financial statement recognition of income taxes and provides criteria for the measurement of tax positions taken or expected to be taken in a tax return. ASC 740 also includes guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition of income taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using the enacted tax rates applicable to taxable income for the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation reserves are established against certain deferred tax assets when it is more likely than not that the deferred tax assets will not be realized. Increases or decreases in the valuation reserve are charged or credited to the income tax provision. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that ultimately would be sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. The evaluation of a tax position taken is considered by itself and not offset or aggregated with other positions. Tax positions that meet the more likely than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are recognized in income tax expense on the income statement. For additional information on income taxes, see Note 15 to the Consolidated Financial Statements.
Net Income Per Share	Net Income Per Share Basic net income per common share is calculated as net income available to common shareholders divided by the weighted average common shares outstanding during the reporting period. Net income available to common shareholders is calculated as net income less accrued dividends and discount accretion related to preferred stock. Diluted net income per common share is computed similarly to that of basic net income per common share, except that the denominator is increased to include the number of additional common shares that would have been outstanding if all potentially dilutive common shares, principally stock options, were issued during the reporting period utilizing the Treasury stock method. However, when a net loss rather than net income is recognized, diluted earnings per share equals basic earnings per share. For additional information on net income per share, see Note 16 to the Consolidated Financial Statements.
Stock-Based Compensation	Stock-Based Compensation The Company accounts for its stock-based compensation awards in accordance with FASB ASC Topic 718, “Compensation – Stock Compensation,” which requires recognition of compensation expense related to stock-based compensation awards over the period during which an employee is required to provide service for the award. Compensation expense is equal to the fair value of the award, net of estimated forfeitures, and is recognized over the vesting period of such awards. For additional information on the Company’s stock-based compensation, see Note 18 to the Consolidated Financial Statements.
Fair Value	Fair Value The Company follows FASB ASC Topic 820, “Fair Value Measurement and Disclosures,” which provides a framework for measuring fair value under generally accepted accounting principles. For additional information on the fair value of the Company’s financial instruments, see Note 19 to the Consolidated Financial Statements.
Other Comprehensive Income (Loss)	Other Comprehensive Income (Loss) Other comprehensive income (loss) consists of the change in unrealized gains (losses) on securities available for sale that were reported as a component of shareholders’ equity, net of tax. For additional information on other comprehensive income, see Note 11 to the Consolidated Financial Statements.
Advertising	Advertising The Company expenses the costs of advertising in the period incurred.
Dividend Restrictions	Dividend Restrictions Banking regulations require maintaining certain capital levels that may limit the dividends paid by the Bank to the holding company or by the holding company to the shareholders.
Operating Segments	Operating Segments While management monitors the revenue streams of its various products and services, operating results and financial performance are evaluated on a company-wide basis. The Company’s management uses consolidated results to make operating and strategic decisions. Accordingly, there is only one reportable segment.
Recent Accounting Pronouncements	Recent Accounting Pronouncements ASU 2014-09, “Revenue from Contracts with Customers (Topic 606).” This ASU has three sections: Section A – Summary and amendments that creates revenue from contracts with customers (Topic 606) and Other Assets and Deferred Costs – Contracts with Customers (Subtopic 340-40); Section B – Conforming amendments to other topics and subtopics in the codification and status tables; Section C – Background information and basis for conclusions. The accounting changes in this update have been revised to defer the effective date for public business entities for annual reporting periods beginning after December 15, 2017 and the interim periods within that year. Early adoption is permitted as of the first interim or annual period beginning after December 15, 2016. The Company is currently evaluating the impact of the standard. ASU 2015-01, “Income Statement-Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” ASU 2015-01 seeks to eliminate from generally accepted accounting principles (“GAAP”) the concept of extraordinary items. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. The guidance was issued as part of an initiative to reduce complexity in accounting standards. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The effective date is the same for both public business entities and all other entities. The Company does not expect adoption of this guidance to have a material effect on the financial condition or results of operations of the Company. ASU No. 2016-01, “Financial Instruments – Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-01 addresses certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. This eliminates the available for sale classification of accounting for equity securities and adjusts the fair value disclosures for financial instruments carried at amortized cost such that the disclosed fair values represent an exit price as opposed to an entry price. This update requires that equity securities be carried at fair value on the balance sheet and any periodic changes in value will be adjusted through the income statement. A practical expedient is provided for equity securities without a readily determinable fair value, such that these securities can be carried at cost less any impairment. For public business entities, the amendments in this update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact of the standard. ASU 2016-02, “Leases (Topic 842)”. ASU 2016-02 was issued in three parts: (a) Section A , “Leases: Amendments to the FASB Accounting Standards Codification®,” (b) Section B , “Conforming Amendments Related to Leases: Amendments to the FASB Accounting Standards Codification®,” and (c) Section C , “Background Information and Basis for Conclusions.” While both lessees and lessors are affected by the new guidance, the effects on lessees are much more significant. The update states that a lessee should recognize the assets and liabilities that arise from all leases with a term greater than 12 months. The core principle requires the lessee to recognize a liability to make lease payments and a "right-of-use" asset. The accounting applied by the lessor is relatively unchanged as the majority of operating leases should remain classified as operating leases and the income from them recognized, generally, on a straight-line basis over the lease term. The standards update also requires expanded qualitative and quantitative disclosures. For public business entities, ASC 2016-02 is effective for interim and annual reporting periods beginning after December 15, 2018. ASC 2016-02 mandates a modified retrospective transition for all entities. The Company is currently evaluating the impact of the adoption of ASC 2016-02 on its consolidated financial statements.
Goodwill	Goodwill The Company accounts for goodwill and other intangible assets in accordance with FASB ASC Topic 350, “Intangibles – Goodwill and Other,” which allows an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Based on a qualitative assessment, management determined that the Company’s recorded goodwill totaling $ 1.5 million, which resulted from the 2005 acquisition of its Phillipsburg, New Jersey branch, is not impaired as of December 31, 2015.
Subsequent Events	Subsequent Events Subsequent to December 31, 2015, the Company purchased its headquarters for $ 4.1 million. This will reduce the operating lease obligations by $ 1.2 million over a three year period. For additional information on the Company’s operating leases, see Note 10 to the Consolidated Financial Statements. Subsequent to December 31, 2015, the Company redeemed $ 5.1 million of its outstanding subordinated debt at a price of $ 0.5475 per dollar. The transaction resulted in a gain of approximately $ 2.25 million, which will be recognized during the first quarter 2016. These securities qualified as Tier I capital under the terms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Company remains well capitalized after this transaction.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Reconciliation From Amortized Cost to Estimated Fair Value of Marketable Securities	December 31, 2015 December 31, 2014 (In thousands) Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Available for sale: U.S. Government sponsored entities $ 6,649 $ - $ (68) $ 6,581 $ 4,711 $ - $ (93) $ 4,618 State and political subdivisions 10,625 159 (2) 10,782 11,055 112 (35) 11,132 Residential mortgage-backed securities 26,191 449 (201) 26,439 33,884 646 (147) 34,383 Corporate and other securities 9,404 71 (412) 9,063 10,188 63 (311) 9,940 Total securities available for sale $ 52,869 $ 679 $ (683) $ 52,865 $ 59,838 $ 821 $ (586) $ 60,073 Held to maturity: U.S. Government sponsored entities $ 3,988 $ - $ (87) $ 3,901 $ 4,440 $ - $ (124) $ 4,316 State and political subdivisions 2,364 187 (1) 2,550 2,417 277 - 2,694 Residential mortgage-backed securities 6,232 141 (28) 6,345 8,164 211 (29) 8,346 Commercial mortgage-backed securities 3,902 - (62) 3,840 4,005 13 (53) 3,965 Corporate and other securities 1,985 - (14) 1,971 983 - (23) 960 Total securities held to maturity $ 18,471 $ 328 $ (192) $ 18,607 $ 20,009 $ 501 $ (229) $ 20,281
Schedule of Marketable Securities By Contractual Maturity	Within one year After one through five years After five through ten years After ten years Total carrying value (In thousands, except percentages) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale at fair value: U.S. Government sponsored entities $ - - % $ 3,256 1.55 % $ 921 2.08 % $ 2,404 2.04 % $ 6,581 1.81 % State and political subdivisions - - 1,412 2.55 5,740 2.41 3,630 2.56 10,782 2.48 Residential mortgage-backed securities - - 1,066 2.03 3,059 2.24 22,314 2.77 26,439 2.68 Corporate and other securities - - 2,717 1.23 4,343 1.30 2,003 1.82 9,063 1.39 Total securities available for sale $ - - % $ 8,451 1.67 % $ 14,063 2.01 % $ 30,351 2.62 % $ 52,865 2.31 % Held to maturity at cost: U.S. Government sponsored entities $ - - % $ - - % $ - - % $ 3,988 1.97 % $ 3,988 1.97 % State and political subdivisions 264 0.75 - - - - 2,100 4.73 2,364 4.29 Residential mortgage-backed securities 3 4.52 199 4.75 185 5.21 5,845 3.20 6,232 3.31 Commercial mortgage-backed securities - - - - - - 3,902 2.71 3,902 2.71 Corporate and other securities - - - - 1,985 4.61 - - 1,985 4.61 Total securities held to maturity $ 267 0.79 % $ 199 4.75 % $ 2,170 4.66 % $ 15,835 2.97 % $ 18,471 3.16 %
Schedule of Marketable Securities In Unrealized Loss Position	December 31, 2015 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 9 $ 4,165 $ (12) $ 2,416 $ (56) $ 6,581 $ (68) State and political subdivisions 3 1,584 (2) - - 1,584 (2) Residential mortgage-backed securities 11 6,195 (36) 4,508 (165) 10,703 (201) Corporate and other securities 11 4,730 (174) 3,756 (238) 8,486 (412) Total temporarily impaired securities 34 $ 16,674 $ (224) $ 10,680 $ (459) $ 27,354 $ (683) Held to maturity: U.S. Government sponsored entities 2 $ - $ - $ 3,901 $ (87) $ 3,901 $ (87) State and political subdivisions 1 263 (1) - - 263 (1) Residential mortgage-backed securities 3 - - 1,853 (28) 1,853 (28) Commercial mortgage-backed securities 2 3,840 (62) - - 3,840 (62) Corporate and other securities 1 971 (14) - - 971 (14) Total temporarily impaired securities 9 $ 5,074 $ (77) $ 5,754 $ (115) $ 10,828 $ (192) December 31, 2014 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 4 $ - $ - $ 4,590 $ (93) $ 4,590 $ (93) State and political subdivisions 7 - - 4,103 (35) 4,103 (35) Residential mortgage-backed securities 9 6,579 (16) 5,889 (131) 12,468 (147) Corporate and other securities 7 1,053 (46) 3,736 (265) 4,789 (311) Total temporarily impaired securities 27 $ 7,632 $ (62) $ 18,318 $ (524) $ 25,950 $ (586) Held to maturity: U.S. Government sponsored entities 2 $ - $ - $ 4,316 $ (124) $ 4,316 $ (124) Residential mortgage-backed securities 3 - - 2,586 (29) 2,586 (29) Commercial mortgage-backed securities 1 - - 1,822 (53) 1,822 (53) Corporate and other securities 1 - - 960 (23) 960 (23) Total temporarily impaired securities 7 $ - $ - $ 9,684 $ (229) $ 9,684 $ (229)
Schedule of Realized Gains (Losses) for Marketable Securities	For the years ended December 31, (In thousands) 2015 2014 Available for sale: Realized gains $ 28 $ 440 Realized losses - (7) Total securities available for sale 28 433 Held to maturity: Realized gains - - Realized losses - - Total securities held to maturity - - Net gains on sales of securities $ 28 $ 433

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Classification of Loans By Class	(In thousands) December 31, 2015 December 31, 2014 SBA loans held for investment $ 39,393 $ 40,401 SBA 504 loans 29,353 34,322 Commercial loans Commercial other 49,332 40,607 Commercial real estate 391,071 339,693 Commercial real estate construction 25,115 21,649 Residential mortgage loans 264,523 220,878 Consumer loans Home equity 45,042 41,451 Consumer other 32,015 17,645 Total loans held for investment $ 875,844 $ 756,646 SBA loans held for sale 13,114 5,179 Total loans $ 888,958 $ 761,825
Loan Portfolio by Class According to Their Credit Quality Indicators	December 31, 2015 SBA, SBA 504 & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 35,032 $ 2,647 $ 1,714 $ 39,393 SBA 504 loans 24,003 4,917 433 29,353 Commercial loans Commercial other 45,870 2,373 1,089 49,332 Commercial real estate 369,510 18,978 2,583 391,071 Commercial real estate construction 24,061 1,054 - 25,115 Total commercial loans 439,441 22,405 3,672 465,518 Total SBA, SBA 504 and commercial loans $ 498,476 $ 29,969 $ 5,819 $ 534,264 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 262,299 $ 2,224 $ 264,523 Consumer loans Home equity 44,452 590 45,042 Consumer other 32,015 - 32,015 Total consumer loans 76,467 590 77,057 Total residential mortgage and consumer loans $ 338,766 $ 2,814 $ 341,580 The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2014: December 31, 2014 SBA, SBA 504 & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 35,827 $ 2,250 $ 2,324 $ 40,401 SBA 504 loans 24,415 5,967 3,940 34,322 Commercial loans Commercial other 38,054 1,270 1,283 40,607 Commercial real estate 315,015 20,555 4,123 339,693 Commercial real estate construction 21,649 - - 21,649 Total commercial loans 374,718 21,825 5,406 401,949 Total SBA, SBA 504 and commercial loans $ 434,960 $ 30,042 $ 11,670 $ 476,672 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 220,233 $ 645 $ 220,878 Consumer loans Home equity 40,908 543 41,451 Consumer other 17,643 2 17,645 Total consumer loans 58,551 545 59,096 Total residential mortgage and consumer loans $ 278,784 $ 1,190 $ 279,974
Aging Analysis of Past Due And Nonaccrual Loans by Loan Class	December 31, 2015 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ 1,153 $ 456 $ - $ 1,764 $ 3,373 $ 36,020 $ 39,393 SBA 504 loans - - - 518 518 28,835 29,353 Commercial loans Commercial other 157 - - 10 167 49,165 49,332 Commercial real estate 444 283 - 2,154 2,881 388,190 391,071 Commercial real estate construction 356 - - - 356 24,759 25,115 Residential mortgage loans 2,307 1,078 - 2,224 5,609 258,914 264,523 Consumer loans Home equity 130 3 - 590 723 44,319 45,042 Consumer other 1 - - - 1 32,014 32,015 Total loans held for investment $ 4,548 $ 1,820 $ - $ 7,260 $ 13,628 $ 862,216 $ 875,844 SBA loans held for sale - - - - - 13,114 13,114 Total loans $ 4,548 $ 1,820 $ - $ 7,260 $ 13,628 $ 875,330 $ 888,958 (1) At December 31, 2015, nonaccrual loans included $ 293 thousand of TDRs and $ 288 thousand of loans guaranteed by the SBA. The remaining $ 3.0 million of TDRs are in accrual status because they are performing in accordance with their restructured terms, and have been for at least six months. December 31, 2014 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ 1,093 $ 147 $ 161 $ 3,348 $ 4,749 $ 35,652 $ 40,401 SBA 504 loans 1,639 - - 2,109 3,748 30,574 34,322 Commercial loans Commercial other - - - 1,129 1,129 39,478 40,607 Commercial real estate 2,812 - 7 3,592 6,411 333,282 339,693 Commercial real estate construction - - - - - 21,649 21,649 Residential mortgage loans 2,887 658 722 645 4,912 215,966 220,878 Consumer loans Home equity 639 213 - 543 1,395 40,056 41,451 Consumer other - 6 - 2 8 17,637 17,645 Total loans held for investment $ 9,070 $ 1,024 $ 890 $ 11,368 $ 22,352 $ 734,294 $ 756,646 SBA loans held for sale - - - - - 5,179 5,179 Total loans $ 9,070 $ 1,024 $ 890 $ 11,368 $ 22,352 $ 739,473 $ 761,825 (1) At December 31, 2014, nonaccrual loans included $ 3.0 million of TDRs and $ 1.6 million of loans guaranteed by the SBA. The remaining $3.5 million of TDRs are in accrual status because they are performing in accordance with their restructured terms, and have been for at least six months.
Impaired Loans with Associated Allowance Amount	December 31, 2015 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 961 $ 518 $ - SBA 504 loans 2,226 2,226 - Commercial loans Commercial real estate 1,365 1,366 - Total commercial loans 1,365 1,366 - Total impaired loans with no related allowance 4,552 4,110 - With an allowance: SBA loans held for investment (1) 2,203 1,389 705 Commercial loans Commercial other 33 10 10 Commercial real estate 1,664 1,664 127 Total commercial loans 1,697 1,674 137 Total impaired loans with a related allowance 3,900 3,063 842 Total individually evaluated impaired loans: SBA loans held for investment (1) 3,164 1,907 705 SBA 504 loans 2,226 2,226 - Commercial loans Commercial other 33 10 10 Commercial real estate 3,029 3,030 127 Total commercial loans 3,062 3,040 137 Total individually evaluated impaired loans $ 8,452 $ 7,173 $ 842 (1) Balances are reduced by amount guaranteed by the SBA of $ 288 thousand at December 31, 2015. December 31, 2014 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 1,719 $ 1,093 $ - SBA 504 loans 2,202 2,202 - Commercial loans Commercial other 878 877 - Commercial real estate 2,017 1,927 - Total commercial loans 2,895 2,804 - Total impaired loans with no related allowance 6,816 6,099 - With an allowance: SBA loans held for investment (1) 1,521 1,127 502 SBA 504 loans 1,676 1,676 510 Commercial loans Commercial other 364 252 41 Commercial real estate 3,003 3,003 108 Total commercial loans 3,367 3,255 149 Total impaired loans with a related allowance 6,564 6,058 1,161 Total individually evaluated impaired loans: SBA loans held for investment (1) 3,240 2,220 502 SBA 504 loans 3,878 3,878 510 Commercial loans Commercial other 1,242 1,129 41 Commercial real estate 5,020 4,930 108 Total commercial loans 6,262 6,059 149 Total individually evaluated impaired loans $ 13,380 $ 12,157 $ 1,161 (1) Balances are reduced by amount guaranteed by the SBA of $1.6 million at December 31, 2014.
Average Recorded Investments in Impaired Loans and Related Amount of Interest Recognized	For the years ended December 31, 2015 2014 (In thousands) Average recorded investment Interest income recognized on impaired loans Average recorded investment Interest income recognized on impaired loans SBA loans held for investment (1) $ 1,887 $ 90 $ 3,028 $ 256 SBA 504 loans 2,488 106 3,042 109 Commercial loans Commercial other 960 102 323 2 Commercial real estate 5,100 64 6,336 231 Commercial real estate construction - - 73 23 Total $ 10,435 $ 362 $ 12,802 $ 621 (1) Balances are reduced by the average amount guaranteed by the SBA of $ 416 thousand and $ 1.2 million for years ended December 31, 2015 and 2014, respectively.
Schedule of Servicing Assets	For the years ended December 31, (In thousands) 2015 2014 Balance, beginning of year $ 753 $ 437 Servicing assets capitalized 927 483 Amortization of expense (291) (167) Provision for loss in fair value - - Balance, end of year $ 1,389 $ 753
Schedule of Related Party Transactions	(In thousands) December 31, 2015 December 31, 2014 Balance, beginning of year $ 26,452 $ 18,327 New loans and advances 15,809 9,254 Loan repayments (4,867) (1,129) Balance, end of year $ 37,394 $ 26,452

Allowance for Loan Losses and33

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)	12 Months Ended
	Dec. 31, 2015
Allowance for Loan Losses and Reserve for Unfunded Loan Commitments [Abstract]
Activity in the Allowance for Loan Losses by Portfolio Segment	For the year ended December 31, 2015 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,883 $ 1,337 $ 6,270 $ 2,289 $ 667 $ 105 $ 12,551 Charge-offs (370) (589) (309) (50) (130) - (1,448) Recoveries 54 - 1,052 49 1 - 1,156 Net charge-offs (316) (589) 743 (1) (129) - (292) Provision for loan losses charged to expense 394 (7) (704) 481 279 57 500 Balance, end of period $ 1,961 $ 741 $ 6,309 $ 2,769 $ 817 $ 162 $ 12,759 For the year ended December 31, 2014 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 2,587 $ 957 $ 6,840 $ 2,132 $ 573 $ 52 $ 13,141 Charge-offs (1,053) (92) (1,037) (740) (593) - (3,515) Recoveries 140 - 166 60 9 - 375 Net charge-offs (913) (92) (871) (680) (584) - (3,140) Provision for loan losses charged to expense 209 472 301 837 678 53 2,550 Balance, end of period $ 1,883 $ 1,337 $ 6,270 $ 2,289 $ 667 $ 105 $ 12,551
Allowance for Credit Losses on Financing Receivables	December 31, 2015 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 705 $ - $ 137 $ - $ - $ - $ 842 Collectively evaluated for impairment 1,256 741 6,172 2,769 817 162 11,917 Total $ 1,961 $ 741 $ 6,309 $ 2,769 $ 817 $ 162 $ 12,759 Loan ending balances: Individually evaluated for impairment $ 1,907 $ 2,226 $ 3,040 $ - $ - $ - $ 7,173 Collectively evaluated for impairment 37,486 27,127 462,478 264,523 77,057 - 868,671 Total $ 39,393 $ 29,353 $ 465,518 $ 264,523 $ 77,057 $ - $ 875,844 December 31, 2014 (In thousands) SBA held for investment SBA 504 Commercial Residential Consumer Unallocated Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 502 $ 510 $ 149 $ - $ - $ - $ 1,161 Collectively evaluated for impairment 1,381 827 6,121 2,289 667 105 11,390 Total $ 1,883 $ 1,337 $ 6,270 $ 2,289 $ 667 $ 105 $ 12,551 Loan ending balances: Individually evaluated for impairment $ 2,220 $ 3,878 $ 6,059 $ - $ - $ - $ 12,157 Collectively evaluated for impairment 38,181 30,444 395,890 220,878 59,096 - 744,489 Total $ 40,401 $ 34,322 $ 401,949 $ 220,878 $ 59,096 $ - $ 756,646

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises and Equipment [Abstract]
Premises and Equipment	(In thousands) December 31, 2015 December 31, 2014 Land and buildings $ 17,286 $ 17,136 Furniture, fixtures and equipment 7,510 7,032 Leasehold improvements 1,825 1,709 Gross premises and equipment 26,621 25,877 Less: Accumulated depreciation (11,450) (10,646) Net premises and equipment $ 15,171 $ 15,231

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Other Assets [Abstract]
Schedule of Other Assets	(In thousands) December 31, 2015 December 31, 2014 Prepaid expenses $ 516 $ 399 Servicing assets: SBA servicing asset 515 404 Mortgage servicing asset 874 349 Net receivable due from SBA 226 318 Other 932 1,821 Total other assets $ 3,063 $ 3,291

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Schedule of Deposits by Time Remaining on Maturity	Three More than three More than six More than months months through months through twelve (In thousands) or less six months twelve months months Total At December 31, 2015: Less than $100,000 $ 9,948 $ 10,091 $ 30,650 $ 83,779 $ 134,468 $100,000 or more 15,919 31,377 31,854 63,556 142,706 At December 31, 2014: Less than $100,000 $ 10,988 $ 7,837 $ 14,512 $ 79,782 $ 113,119 $100,000 or more 11,444 8,290 19,570 59,910 99,214
Schedule of Certificates of Deposits by Year of Maturity	(In thousands) 2016 2017 2018 2019 2020 Thereafter Total Balance maturing $ 129,839 $ 16,729 $ 45,860 $ 58,404 $ 26,286 $ 56 $ 277,174

Borrowed Funds and Subordinat37

Borrowed Funds and Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2015
Borrowed Funds and Subordinated Debentures [Abstract]
Schedule of Debt	2015 2014 2013 (In thousands) Amount Rate Amount Rate Amount Rate FHLB borrowings and repurchase agreements: At December 31, $ 77,000 2.66 % $ 110,000 2.31 % $ 92,000 2.58 % Year-to-date average 57,187 3.72 60,765 3.96 61,010 3.88 Maximum outstanding 140,000 110,000 95,000 Repurchase agreements: At December 31, $ 15,000 3.67 % $ 15,000 3.67 % $ 15,000 3.67 % Year-to-date average 15,000 3.67 15,000 3.67 15,000 3.67 Maximum outstanding 15,000 15,000 15,000 Subordinated debentures: At December 31, $ 15,465 1.98 % $ 15,465 1.82 % $ 15,465 1.80 % Year-to-date average 15,465 1.87 15,465 1.81 15,465 1.83 Maximum outstanding 15,465 15,465 15,465
Schedule of Maturities of Term Debt	(In thousands) 2016 2017 2018 2019 2020 Thereafter Total FHLB borrowings and repurchase agreements $ 27,000 $ 30,000 $ - $ - $ 20,000 $ - $ 77,000 Other repurchase agreements - - 15,000 - - - 15,000 Subordinated debentures - - - - - 15,465 15,465 Total borrowings $ 27,000 $ 30,000 $ 15,000 $ - $ 20,000 $ 15,465 $ 107,465
Outstanding Interest Rate Swap Agreements Used to Hedge Variable Rate Debt	(In thousands, except percentages and years) 2015 Notional amount $ 20,000 Weighted average pay rate 1.90 % Weighted average receive rate 0.41 % Weighted average maturity in years 4.90 Unrealized loss relating to interest rate swaps $ 28

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies [Abstract]
Operating Leases of Lessee Disclosure	(In thousands) 2016 2017 2018 2019 Thereafter Total Operating lease rental payments $ 691 $ 635 $ 437 $ - $ - $ 1,763

Accumulated Other Comprehensi39

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Abstract]
Changes in Other Comprehensive (Loss) Income	For the years ended December 31, 2015 2014 (In thousands) Net unrealized gains (losses) on securities Adjustments related to defined benefit plan Net unrealized gains(losses) from cash flow hedges: Accumulated other comprehensive income (loss) Net unrealized (losses) gains on securities Accumulated other comprehensive (loss) income Balance, beginning of period $ 143 $ - $ - $ 143 $ (476) $ (476) Other comprehensive (loss) income before reclassifications (127) (498) (17) (642) 909 909 Less amounts reclassified from accumulated other comprehensive loss 18 (50) - (32) 290 290 Period change (145) (448) (17) (610) 619 619 Balance, end of period $ (2) $ (448) $ (17) $ (467) $ 143 $ 143 (a) All amounts are net of tax.

Other Income (Tables)

Other Income (Tables)	12 Months Ended
	Dec. 31, 2015
Other Income [Abstract]
Components of Other Income	The components of other income for the past two years are as follows: For the years ended December 31, (In thousands) 2015 2014 ATM and check card fees $ 569 $ 534 Wire transfer fees 90 95 Safe deposit box fees 89 68 Other 179 147 Total other income $ 927 $ 844

Other Expenses (Tables)

Other Expenses (Tables)	12 Months Ended
	Dec. 31, 2015
Other Expenses [Abstract]
Schedule of Other Nonoperating Expense, by Component	For the years ended December 31, (In thousands) 2015 2014 Travel, entertainment, training and recruiting $ 698 $ 584 Director fees 437 359 Insurance 333 335 Stationery and supplies 256 250 Retail losses 143 56 Other 289 217 Total other expenses $ 2,156 $ 1,801

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	For the years ended December 31, (In thousands) 2015 2014 Federal - current provision $ 4,067 $ 2,380 Federal - deferred provision 280 381 Total federal provision 4,347 2,761 State - current provision 377 267 State - deferred provision 87 117 Total state provision 464 384 Total provision for income taxes $ 4,811 $ 3,145
Schedule of Effective Income Tax Rate Reconciliation	For the years ended December 31, (In thousands, except percentages) 2015 2014 Federal income tax provision at statutory rate $ 5,028 $ 3,248 35% rate in 2015 and 34% in 2014 Increases (decreases) resulting from: Bank owned life insurance (133) (190) Tax-exempt interest (99) (121) Meals and entertainment 18 18 State income taxes, net of federal income tax effect 302 253 Other, net (305) (63) Provision for income taxes $ 4,811 $ 3,145 Effective tax rate 33.5 % 32.9 %
Schedule of Deferred Tax Assets and Liabilities	(In thousands) December 31, 2015 December 31, 2014 Deferred tax assets: Allowance for loan losses $ 5,212 $ 5,013 Depreciation 519 489 Stock-based compensation 515 463 SERP 369 - Deferred compensation 262 231 Lost interest on nonaccrual loans 173 354 State net operating loss 139 132 Commitment reserve 56 60 Other 96 63 Gross deferred tax assets 7,341 6,805 Valuation allowance (139) (132) Total deferred tax assets 7,202 6,673 Deferred tax liabilities: Deferred loan costs 495 216 Goodwill 416 367 Deferred servicing fees 219 38 Bond accretion 104 100 Net unrealized security gains - 92 Total deferred tax liabilities 1,234 813 Net deferred tax asset $ 5,968 $ 5,860

Net Income per Share (Tables)

Net Income per Share (Tables)	12 Months Ended
	Dec. 31, 2015
Net Income per Share [Abstract]
Reconciliation of Calculation of Basic and Diluted Income Per Share	For the years ended December 31, (In thousands, except per share amounts) 2015 2014 Net income $ 9,557 $ 6,408 Weighted average common shares outstanding - Basic 8,425 7,856 Plus: Potential dilutive common stock equivalents 104 89 Weighted average common shares outstanding - Diluted 8,529 7,945 Net income per common share - Basic $ 1.13 $ 0.82 Net income per common share - Diluted 1.12 0.81 Stock options and common stock excluded from the income per share calculation as their effect would have been anti-dilutive 81 114

Regulatory Capital (Tables)

Regulatory Capital (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Capital [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	To be well-capitalized For capital under prompt corrective Actual adequacy purposes action provisions (In thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Leverage ratio $ 92,442 8.82 % ≥ $ 41,934 4.00 % N/A N/A CET1 77,442 9.37 37,210 4.50 N/A N/A Tier I risk-based capital ratio 92,442 11.18 49,613 6.00 N/A N/A Total risk-based capital ratio 102,809 12.43 66,151 8.00 N/A N/A As of December 31, 2014 Leverage ratio $ 83,615 8.71 % ≥ $ 38,405 4.00 % N/A N/A Tier I risk-based capital ratio 83,615 11.57 28,900 4.00 N/A N/A Total risk-based capital ratio 92,691 12.83 57,779 8.00 N/A N/A The Bank’s capital amounts and ratios are presented in the following table: To be well-capitalized For capital under prompt corrective Actual adequacy purposes action provisions (In thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Leverage ratio $ 83,316 7.95 % ≥ $ 41,908 4.00 % ≥ $ 52,385 5.00 % CET1 83,316 10.08 37,193 4.50 53,723 6.50 Tier I risk-based capital ratio 83,316 10.08 49,590 6.00 66,120 8.00 Total risk-based capital ratio 102,179 12.36 66,120 8.00 82,650 10.00 As of December 31, 2014 Leverage ratio $ 74,819 7.80 % ≥ $ 38,381 4.00 % ≥ $ 47,976 5.00 % Tier I risk-based capital ratio 74,819 10.37 28,874 4.00 43,310 6.00 Total risk-based capital ratio 92,388 12.80 57,747 8.00 72,184 10.00
Schedule of Future Basel Capital Requirements	Treatment at December 31, 2014 December 31, 2015 Leverage ratio 4.00 % 4.00 % CET1 N/A 4.50 % Additional tier 1 N/A 1.50 % Tier 1 capital ratio 4.00 % 6.00 % Tier 2 4.00 % 2.00 % Total capital ratio 8.00 % 8.00 % Capital conservation buffer N/A 2.50 %

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Transactions under the Company’s stock option plans	Shares Weighted average exercise price Weighted average remaining contractual life in years Aggregate intrinsic value Outstanding at December 31, 2013 448,975 $ 6.70 5.6 $ 739,951 Options granted 46,000 8.16 Options exercised (36,950) 4.33 Options forfeited (9,119) 9.73 Options expired (29,985) 10.16 Outstanding at December 31, 2014 418,921 $ 6.76 5.5 $ 1,257,968 Options granted 57,000 9.56 Options exercised (525) 7.31 Options forfeited - - Options expired - - Outstanding at December 31, 2015 475,396 $ 7.09 5.1 $ 2,562,175 Exercisable at December 31, 2015 375,233 $ 6.65 4.1 $ 2,190,220
Stock Options, Valuation Assumptions	For the years ended December 31, 2015 2014 Number of options granted 57,000 46,000 Weighted average exercise price $ 9.56 $ 8.16 Weighted average fair value of options $ 3.61 $ 3.21 Expected life in years (1) 6.69 5.54 Expected volatility (2) 42.20 % 45.32 % Risk-free interest rate (3) 1.89 % 1.57 % Dividend yield (4) 1.39 % 1.01 % (1) The expected life of the options was estimated based on historical employee behavior and represents the period of time that options granted are expected to be outstanding. (2) The expected volatility of the Company’s stock price was based on the historical volatility over the period commensurate with the expected life of the options. (3) The risk-free interest rate is the U.S Treasury rate commensurate with the expected life of the options on the date of grant. (4) The expected dividend yield is the projected annual yield based on the grant date stock price.
Schedule of Information About Options Exercised	For the twelve months ended December 31, 2015 2014 Number of options exercised 525 36,950 Total intrinsic value of options exercised $ 1,302 $ 157,406 Cash received from options exercised - 70,405 Tax deduction realized from options exercised 520 62,868
Schedule of Stock Options, by Exercise Price Range	Options outstanding Options exercisable Range of exercise prices Options outstanding Weighted average remaining contractual life (in years) Weighted average exercise price Options exercisable Weighted average exercise price $ 0.00 - 4.00 89,000 3.2 $ 3.85 89,000 $ 3.85 4.01 - 8.00 281,950 5.4 6.73 242,120 6.61 8.01 - 12.00 62,551 9.3 9.63 2,218 10.53 12.01 - 16.00 41,895 1.1 12.62 41,895 12.62 Total 475,396 5.1 $ 7.09 375,233 $ 6.65
Schedule of Nonvested Share Activity	Shares Average grant date fair value Nonvested restricted stock at December 31, 2014 77,750 $ 7.24 Granted 41,800 9.45 Cancelled (2,000) 9.81 Vested (36,750) 6.88 Nonvested restricted stock at December 31, 2015 80,800 $ 8.50
Restricted Stock Awards Activity	For the years ended December 31, 2015 2014 Number of shares granted 41,800 17,500 Average grant date fair value $ 9.45 $ 8.88
Summary of Components of Net Periodic Pension Cost of Defined Benefit Plan Recognized	(In thousands) For the year ended December 31, 2015 Service cost $ 59 Interest cost 34 Amortization of prior service cost 83 Net periodic benefit cost $ 176
Summary of Changes in Benefit Obligations of Defined Benefit Plan Recognized	(In thousands) For the year ended December 31, 2015 Benefit obligation, beginning of year $ - Initial recognition of prior service cost 830 Service cost 59 Interest cost 34 Actuarial gain (loss) - Benefit obligation, end of year $ 923
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Allocation of Share-based Compensation Costs	For the years ended December 31, 2015 2014 Compensation expense $ 147,905 $ 152,349 Income tax benefit 59,073 60,848
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Allocation of Share-based Compensation Costs	For the years ended December 31, 2015 2014 Compensation expense $ 302,425 $ 245,428 Income tax benefit 120,788 98,024

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value [Abstract]
Balances of Assets And Liabilities Measured at Fair Value on Recurring Basis	December 31, 2015 (In thousands) Level 1 Level 2 Level 3 Total Securities available for sale: U.S. Government sponsored entities $ - $ 6,581 $ - $ 6,581 State and political subdivisions - 10,782 - 10,782 Residential mortgage-backed securities - 26,439 - 26,439 Corporate and other securities - 9,063 - 9,063 Total securities available for sale $ - $ 52,865 $ - $ 52,865 December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Securities available for sale: U.S. Government sponsored entities $ - $ 4,618 $ - $ 4,618 State and political subdivisions - 11,132 - 11,132 Residential mortgage-backed securities - 34,383 - 34,383 Corporate and other securities - 9,940 - 9,940 Total securities available for sale $ - $ 60,073 $ - $ 60,073
Assets and Liabilities Carried on the Balance Sheet by Caption And By Level Within The Hierarchy	Fair value at December 31, 2015 (In thousands) Level 1 Level 2 Level 3 Total Financial assets: OREO $ - $ - $ 1,591 $ 1,591 Impaired collateral-dependent loans - - 6,331 6,331 Fair value at December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Financial assets: OREO $ - $ - $ 1,162 $ 1,162 Impaired collateral-dependent loans - - 10,996 10,996
Carrying Amount and Estimated Fair Values of Financial Instruments	December 31, 2015 December 31, 2014 (In thousands) Fair value level Carrying amount Estimated fair value Carrying amount Estimated fair value Financial assets: Cash and cash equivalents Level 1 $ 88,157 $ 88,157 $ 129,821 $ 129,821 Securities (1) Level 2 71,336 71,472 80,082 80,354 SBA loans held for sale Level 2 13,114 14,324 5,179 5,655 Loans, net of allowance for loan losses (2) Level 2 863,085 864,691 744,095 748,093 Federal Home Loan Bank stock Level 2 4,600 4,600 6,032 6,032 Servicing assets Level 3 1,389 1,389 753 753 Accrued interest receivable Level 2 3,884 3,884 3,518 3,518 OREO Level 3 1,591 1,591 1,162 1,162 Financial liabilities: Deposits Level 2 894,493 893,651 794,341 794,436 Borrowed funds and subordinated debentures Level 2 107,465 109,549 140,465 145,333 Accrued interest payable Level 2 461 461 474 474 (1) Includes held to maturity commercial mortgage-backed securities that are considered Level 3. These securities had book values of $3.9 million and $ 4.0 million at December 31, 2015 and 2014, respectively, and market values of $3.8 million and $ 4.0 million at December 31, 2015 and 2014, respectively. Includes impaired loans that are considered Level 3 and reported separately in the tables under the “Fair Value on a Nonrecurring Basis” heading. Collateral-dependent impaired loans, net of specific reserves totaled $ 6.3 million and $ 11.0 million at December 31, 2015 and 2014, respectively.

Condensed Financial Statement47

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) [Abstract]
Condensed Balance Sheets	Balance Sheets (In thousands) December 31, 2015 December 31, 2014 ASSETS Cash and cash equivalents $ 466 $ 198 Securities available for sale 216 198 Capital note due from Bank 8,500 8,500 Investment in subsidiaries 84,336 76,323 Other assets 448 446 Total assets $ 93,966 $ 85,665 LIABILITIES AND SHAREHOLDERS' EQUITY Other liabilities $ 31 $ 77 Subordinated debentures 15,465 15,465 Shareholders' equity 78,470 70,123 Total liabilities and shareholders' equity $ 93,966 $ 85,665
Condensed Statements of Income	Statements of Income For the years ended December 31, (In thousands) 2015 2014 Total interest income $ 1,893 $ 983 Total interest expense 289 281 Net interest income 1,604 702 Gains on sales of securities - - Other expenses 20 32 Income before provision for income taxes and equity in undistributed net income of subsidiary 1,584 670 Provision for income taxes 159 209 Income before equity in undistributed net income of subsidiary 1,425 461 Equity in undistributed net income of subsidiary 8,132 5,947 Net income 9,557 6,408
Condensed Statements of Cash Flows	Statements of Cash Flows For the years ended December 31, (In thousands) 2015 2014 OPERATING ACTIVITIES Net income $ 9,557 $ 6,408 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiary (8,132) (5,947) Net change in other assets and other liabilities (54) 53 Net cash provided by operating activities 1,371 514 INVESTING ACTIVITIES Purchases of securities - - Proceeds from sales of securities - - Net cash used in investing activities - - FINANCING ACTIVITIES Proceeds from exercise of stock options - 70 Proceeds from rights offering - 6,143 Investment in Bank - (6,500) Cash dividends paid on common stock (1,103) (753) Net cash provided used in financing activities (1,103) (1,040) Increase (decrease) in cash and cash equivalents 268 (526) Cash and cash equivalents, beginning of period 198 724 Cash and cash equivalents, end of period $ 466 $ 198 SUPPLEMENTAL DISCLOSURES Interest paid $ 287 $ 281

Quarterly Financial Informati48

Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information (Unaudited) [Abstract]
Schedule of Quarterly Financial Information	2015 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 9,884 $ 10,218 $ 10,554 $ 10,995 Total interest expense 1,864 1,849 1,932 2,015 Net interest income 8,020 8,369 8,622 8,980 Provision for loan losses 200 - 200 100 Net interest income after provision for loan losses 7,820 8,369 8,422 8,880 Total noninterest income 1,641 1,893 2,275 1,920 Total noninterest expense 6,502 6,652 6,852 6,846 Income before provision for income taxes 2,959 3,610 3,845 3,954 Provision for income taxes 1,020 1,182 1,294 1,315 Net income $ 1,939 $ 2,428 $ 2,551 $ 2,639 Net income per common share - Basic $ 0.23 $ 0.29 $ 0.30 $ 0.31 Net income per common share - Diluted 0.23 0.28 0.30 0.31 2014 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 9,023 $ 9,102 $ 9,491 $ 9,802 Total interest expense 1,736 1,797 1,859 1,914 Net interest income 7,287 7,305 7,632 7,888 Provision for loan losses 600 550 550 850 Net interest income after provision for loan losses 6,687 6,755 7,082 7,038 Total noninterest income 1,526 1,640 1,853 1,660 Total noninterest expense 6,258 6,144 6,241 6,045 Income before provision for income taxes 1,955 2,251 2,694 2,653 Provision for income taxes 662 723 808 952 Net income $ 1,293 $ 1,528 $ 1,886 $ 1,701 Net income per common share - Basic $ 0.17 $ 0.20 $ 0.24 $ 0.21 Net income per common share - Diluted 0.17 0.20 0.24 0.20

Summary of Significant Accoun49

Summary of Significant Accounting Policies (Narrative) (Details)	2 Months Ended	12 Months Ended
	Feb. 29, 2016USD ($)	Dec. 31, 2015USD ($)store	Dec. 31, 2014USD ($)
Number of Branches | store		15
Number of wholly-owned subsidiaries | store		9
Number of wholly-owned statutory trust subsidiaries | store		2
Percentage of guaranteed by SBA		90.00%
Payment to purchase headquarter		$ 951,000	$ 597,000
Minimum [Member]
Value for real estate appraisal for OREO or substance foreclosure		$ 100,000
Discount rate used to determine fair value		6.00%
Maximum [Member]
Discount rate used to determine fair value		10.00%
Subsequent Event [Member]
Payment to purchase headquarter	$ 4,100,000
Period in which operating lease obligations will be reduced	3 years
Decrease in operating lease obligations	$ 1,200,000
Subsequent Event [Member] | Subordinated debentures [Member]
Debt outstanding repurchased amount	$ 5,100,000
Debt dedemption price per Dollar	0.5475
Gains (Losses) on Extinguishment of Debt	$ 2,250,000

Summary of Significant Accoun50

Summary of Significant Accounting Policies (Useful Lives of Premises and Equipment) (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015
Maximum [Member] | Building [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	30 years
Maximum [Member] | Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years
Maximum [Member] | Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	5 years
Minimum [Member] | Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years

Summary of Significant Accoun51

Summary of Significant Accounting Policies (Goodwill) (Narrative) (Details) $ in Millions	Dec. 31, 2015USD ($)
Goodwill [Abstract]
Goodwill	$ 1.5

Summary of Significant Accoun52

Summary of Significant Accounting Policies (Components of Net Periodic Pension Cost of Defined Benefit Plan Recognized) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Summary of Significant Accounting Policies [Abstract]
Service cost	$ 59
Interest cost	34
Amortization of prior service cost	83
Net periodic benefit cost	$ 176

Restrictions on Cash (Narrative

Restrictions on Cash (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Restricted Cash and Cash Equivalents Items [Line Items]
Deposit liabilities collateral issued financial instruments	$ 0	$ 6,000
Electronic Funds Transfer [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash and cash equivalents	$ 179	$ 179

Securities (Realized Gains and

Securities (Realized Gains and Losses) (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)security
Schedule of Investments [Line Items]
Available-for-sale Securities, Gross Realized Gains	$ 28	$ 440
Available-for-sale Securities, Gross Realized Losses		7
Available-for-sale Securities, Gross Realized Gain (Loss)	28	433
Available-for-sale Securities Pledged as Collateral	18,500	50,400
Available For Sale Securities Pledged As Collateral Against Government Deposits		32,100
Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Gross Realized Gains		143
Available-for-sale Securities, book value		$ 8,600
Number of securities sold | security		4
Agency Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Gross Realized Gains		$ 68
Available-for-sale Securities, book value		$ 2,600
Number of securities sold | security		2
Corporate Bond Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Gross Realized Gains	28	$ 3
Available-for-sale Securities, Gross Realized Losses		(3)
Available-for-sale Securities, book value	$ 500	$ 2,000
Number of securities sold | security	1	1
Asset-Backed Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Gross Realized Gains		$ 13
Available-for-sale Securities, book value		$ 858
Number of securities sold | security		1
Municipal Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Gross Realized Gains		$ 213
Available-for-sale Securities, Gross Realized Losses		(4)
Available-for-sale Securities, book value		$ 5,700
Number of securities sold | security		17
Number of securities called | security		1

Securities (Reconciliation from

Securities (Reconciliation from Amortized Cost to Estimated Fair Value of Marketable Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Investments [Line Items]
Available-for-sale Securities, Amortized Cost	$ 52,869	$ 59,838
Available-for-sale securities, Gross Unrealized Gains	679	821
Available-for-sale securities, Gross Unrealized Losses	(683)	(586)
Available-for-sale securities, Estimated Fair Value	52,865	60,073
Securities held-to-maturity, Amortized cost	18,471	20,009
Securities held-to-maturity, Unrecognized Holding Gains	328	501
Securities held-to-maturity, Unrecognized Holding Losses	(192)	(229)
Securities held-to-maturity, Estimated Fair Value	18,607	20,281
US Government Agencies Debt Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Amortized Cost	6,649	4,711
Available-for-sale securities, Gross Unrealized Losses	(68)	(93)
Available-for-sale securities, Estimated Fair Value	6,581	4,618
Securities held-to-maturity, Amortized cost	3,988	4,440
Securities held-to-maturity, Unrecognized Holding Losses	(87)	(124)
Securities held-to-maturity, Estimated Fair Value	3,901	4,316
US States and Political Subdivisions Debt Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Amortized Cost	10,625	11,055
Available-for-sale securities, Gross Unrealized Gains	159	112
Available-for-sale securities, Gross Unrealized Losses	(2)	(35)
Available-for-sale securities, Estimated Fair Value	10,782	11,132
Securities held-to-maturity, Amortized cost	2,364	2,417
Securities held-to-maturity, Unrecognized Holding Gains	187	277
Securities held-to-maturity, Unrecognized Holding Losses	(1)
Securities held-to-maturity, Estimated Fair Value	2,550	2,694
Residential Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Amortized Cost	26,191	33,884
Available-for-sale securities, Gross Unrealized Gains	449	646
Available-for-sale securities, Gross Unrealized Losses	(201)	(147)
Available-for-sale securities, Estimated Fair Value	26,439	34,383
Securities held-to-maturity, Amortized cost	6,232	8,164
Securities held-to-maturity, Unrecognized Holding Gains	141	211
Securities held-to-maturity, Unrecognized Holding Losses	(28)	(29)
Securities held-to-maturity, Estimated Fair Value	6,345	8,346
Commercial Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Securities held-to-maturity, Amortized cost	3,902	4,005
Securities held-to-maturity, Unrecognized Holding Gains		13
Securities held-to-maturity, Unrecognized Holding Losses	(62)	(53)
Securities held-to-maturity, Estimated Fair Value	3,840	3,965
Corporate Debt Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Amortized Cost	9,404	10,188
Available-for-sale securities, Gross Unrealized Gains	71	63
Available-for-sale securities, Gross Unrealized Losses	(412)	(311)
Available-for-sale securities, Estimated Fair Value	9,063	9,940
Securities held-to-maturity, Amortized cost	1,985	983
Securities held-to-maturity, Unrecognized Holding Losses	(14)	(23)
Securities held-to-maturity, Estimated Fair Value	1,971	960
Parent Company Only [Member]
Schedule of Investments [Line Items]
Available-for-sale securities, Estimated Fair Value	$ 216	$ 198

Securities (Schedule Of Marketa

Securities (Schedule Of Marketable Securities By Contractual Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Investments [Line Items]
Available for sale at fair value, After one through five years	$ 8,451
Available for sale at fair value yield, After one through five years	1.67%
Available for sale at fair value, After five through ten years	$ 14,063
Available for sale at fair value yield, After five through ten years	2.01%
Available for sale at fair value, After ten years	$ 30,351
Available for sale at fair value yield, After ten years	2.62%
Available-for-sale Securities	$ 52,865	$ 60,073
Available for sale at fair value yield	2.31%
Held to maturity at cost, Within one year	$ 267
Held to maturity at cost yield, Within one year	0.79%
Held to maturity at cost, After one through five years	$ 199
Held to maturity at cost yield, After one through five years	4.75%
Held to maturity at cost, After five through ten years	$ 2,170
Held to maturity at cost yield, After five through ten years	4.66%
Held to maturity at cost, After ten years	$ 15,835
Held to maturity at cost yield, After ten years	2.97%
Held to maturity Securities	$ 18,471	20,009
Held to maturity at cost yield,	3.16%
US Government Agencies Debt Securities [Member]
Schedule of Investments [Line Items]
Available for sale at fair value, After one through five years	$ 3,256
Available for sale at fair value yield, After one through five years	1.55%
Available for sale at fair value, After five through ten years	$ 921
Available for sale at fair value yield, After five through ten years	2.08%
Available for sale at fair value, After ten years	$ 2,404
Available for sale at fair value yield, After ten years	2.04%
Available-for-sale Securities	$ 6,581	4,618
Available for sale at fair value yield	1.81%
Held to maturity at cost, After ten years	$ 3,988
Held to maturity at cost yield, After ten years	1.97%
Held to maturity Securities	$ 3,988	4,440
Held to maturity at cost yield,	1.97%
US States and Political Subdivisions Debt Securities [Member]
Schedule of Investments [Line Items]
Available for sale at fair value, After one through five years	$ 1,412
Available for sale at fair value yield, After one through five years	2.55%
Available for sale at fair value, After five through ten years	$ 5,740
Available for sale at fair value yield, After five through ten years	2.41%
Available for sale at fair value, After ten years	$ 3,630
Available for sale at fair value yield, After ten years	2.56%
Available-for-sale Securities	$ 10,782	11,132
Available for sale at fair value yield	2.48%
Held to maturity at cost, Within one year	$ 264
Held to maturity at cost yield, Within one year	0.75%
Held to maturity at cost, After ten years	$ 2,100
Held to maturity at cost yield, After ten years	4.73%
Held to maturity Securities	$ 2,364	2,417
Held to maturity at cost yield,	4.29%
Residential Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Available for sale at fair value, After one through five years	$ 1,066
Available for sale at fair value yield, After one through five years	2.03%
Available for sale at fair value, After five through ten years	$ 3,059
Available for sale at fair value yield, After five through ten years	2.24%
Available for sale at fair value, After ten years	$ 22,314
Available for sale at fair value yield, After ten years	2.77%
Available-for-sale Securities	$ 26,439	34,383
Available for sale at fair value yield	2.68%
Held to maturity at cost, Within one year	$ 3
Held to maturity at cost yield, Within one year	4.52%
Held to maturity at cost, After one through five years	$ 199
Held to maturity at cost yield, After one through five years	4.75%
Held to maturity at cost, After five through ten years	$ 185
Held to maturity at cost yield, After five through ten years	5.21%
Held to maturity at cost, After ten years	$ 5,845
Held to maturity at cost yield, After ten years	3.20%
Held to maturity Securities	$ 6,232	8,164
Held to maturity at cost yield,	3.31%
Commercial Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Held to maturity at cost, After ten years	$ 3,902
Held to maturity at cost yield, After ten years	2.71%
Held to maturity Securities	$ 3,902	4,005
Held to maturity at cost yield,	2.71%
Corporate Debt Securities [Member]
Schedule of Investments [Line Items]
Available for sale at fair value, After one through five years	$ 2,717
Available for sale at fair value yield, After one through five years	1.23%
Available for sale at fair value, After five through ten years	$ 4,343
Available for sale at fair value yield, After five through ten years	1.30%
Available for sale at fair value, After ten years	$ 2,003
Available for sale at fair value yield, After ten years	1.82%
Available-for-sale Securities	$ 9,063	9,940
Available for sale at fair value yield	1.39%
Held to maturity at cost, After five through ten years	$ 1,985
Held to maturity at cost yield, After five through ten years	4.61%
Held to maturity Securities	$ 1,985	983
Held to maturity at cost yield,	4.61%
Parent Company Only [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities	$ 216	$ 198

Securities (Schedule of Marke57

Securities (Schedule of Marketable Securities in Unrealized Loss Position ) (Details) $ in Thousands	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)security
Schedule of Investments [Line Items]
Available for sale, Total number in a loss position | security	34	27
Available for sale, Less than 12 months Estimated fair value	$ 16,674	$ 7,632
Available for sale, Less than 12 months Unrealized loss	(224)	(62)
Available for sale, 12 months and greater, Estimated fair value	10,680	18,318
Available for sale, 12 months and greater, Unrealized loss	(459)	(524)
Available for sale, Total Estimated fair value	27,354	25,950
Available for sale, Total Unrealized loss	$ (683)	$ (586)
Held to maturity, Total number in a loss position | security	9	7
Held to maturity, Less than 12 months Estimated fair value	$ 5,074
Held to maturity, Less than 12 months Unrealized loss	(77)
Held to maturity, 12 months and greater, Estimated fair value	5,754	$ 9,684
Held to maturity, 12 months and greater, Unrealized loss	(115)	(229)
Held to maturity, Total Estimated fair value	10,828	9,684
Held to maturity, Total Unrealized loss	$ (192)	$ (229)
US Government Agencies Debt Securities [Member]
Schedule of Investments [Line Items]
Available for sale, Total number in a loss position | security	9	4
Available for sale, Less than 12 months Estimated fair value	$ 4,165
Available for sale, Less than 12 months Unrealized loss	(12)
Available for sale, 12 months and greater, Estimated fair value	2,416	$ 4,590
Available for sale, 12 months and greater, Unrealized loss	(56)	(93)
Available for sale, Total Estimated fair value	6,581	4,590
Available for sale, Total Unrealized loss	$ (68)	$ (93)
Held to maturity, Total number in a loss position | security	2	2
Held to maturity, 12 months and greater, Estimated fair value	$ 3,901	$ 4,316
Held to maturity, 12 months and greater, Unrealized loss	(87)	(124)
Held to maturity, Total Estimated fair value	3,901	4,316
Held to maturity, Total Unrealized loss	$ (87)	$ (124)
US States and Political Subdivisions Debt Securities [Member]
Schedule of Investments [Line Items]
Available for sale, Total number in a loss position | security	3	7
Available for sale, Less than 12 months Estimated fair value	$ 1,584
Available for sale, Less than 12 months Unrealized loss	(2)
Available for sale, 12 months and greater, Estimated fair value		$ 4,103
Available for sale, 12 months and greater, Unrealized loss		(35)
Available for sale, Total Estimated fair value	1,584	4,103
Available for sale, Total Unrealized loss	$ (2)	$ (35)
Held to maturity, Total number in a loss position | security	1
Held to maturity, Less than 12 months Estimated fair value	$ 263
Held to maturity, Less than 12 months Unrealized loss	(1)
Held to maturity, Total Estimated fair value	263
Held to maturity, Total Unrealized loss	$ (1)
Residential Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Available for sale, Total number in a loss position | security	11	9
Available for sale, Less than 12 months Estimated fair value	$ 6,195	$ 6,579
Available for sale, Less than 12 months Unrealized loss	(36)	(16)
Available for sale, 12 months and greater, Estimated fair value	4,508	5,889
Available for sale, 12 months and greater, Unrealized loss	(165)	(131)
Available for sale, Total Estimated fair value	10,703	12,468
Available for sale, Total Unrealized loss	$ (201)	$ (147)
Held to maturity, Total number in a loss position | security	3	3
Held to maturity, 12 months and greater, Estimated fair value	$ 1,853	$ 2,586
Held to maturity, 12 months and greater, Unrealized loss	(28)	(29)
Held to maturity, Total Estimated fair value	1,853	2,586
Held to maturity, Total Unrealized loss	$ (28)	$ (29)
Commercial Mortgage Backed Securities [Member]
Schedule of Investments [Line Items]
Held to maturity, Total number in a loss position | security	2	1
Held to maturity, Less than 12 months Estimated fair value	$ 3,840
Held to maturity, Less than 12 months Unrealized loss	(62)
Held to maturity, 12 months and greater, Estimated fair value		$ 1,822
Held to maturity, 12 months and greater, Unrealized loss		(53)
Held to maturity, Total Estimated fair value	3,840	1,822
Held to maturity, Total Unrealized loss	$ (62)	$ (53)
Corporate Debt Securities [Member]
Schedule of Investments [Line Items]
Available for sale, Total number in a loss position | security	11	7
Available for sale, Less than 12 months Estimated fair value	$ 4,730	$ 1,053
Available for sale, Less than 12 months Unrealized loss	(174)	(46)
Available for sale, 12 months and greater, Estimated fair value	3,756	3,736
Available for sale, 12 months and greater, Unrealized loss	(238)	(265)
Available for sale, Total Estimated fair value	8,486	4,789
Available for sale, Total Unrealized loss	$ (412)	$ (311)
Held to maturity, Total number in a loss position | security	1	1
Held to maturity, Less than 12 months Estimated fair value	$ 971
Held to maturity, Less than 12 months Unrealized loss	(14)
Held to maturity, 12 months and greater, Estimated fair value		$ 960
Held to maturity, 12 months and greater, Unrealized loss		(23)
Held to maturity, Total Estimated fair value	971	960
Held to maturity, Total Unrealized loss	$ (14)	$ (23)

Securities (Schedule Of Realize

Securities (Schedule Of Realized Gains (Losses) For Marketable Securities ) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Securities [Abstract]
Available-for-sale Securities, Gross Realized Gains	$ 28	$ 440
Available-for-sale Securities, Gross Realized Losses		(7)
Available-for-sale Securities, Gross Realized Gain (Loss), Total	28	433
Net gains on sales of securities	$ 28	$ 433

Loans (Troubled Debt Restructur

Loans (Troubled Debt Restructurings) (Narrative) (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2015USD ($)loan		Dec. 31, 2014USD ($)loan
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment		$ 10,435		$ 12,802
Impaired financing receivable, related allowance		$ 842		$ 1,161
Percentage of loan portfolio secured by real estate		96.00%		96.00%
Loan principal amount		$ 875,844		$ 756,646
Troubled Debt Restructuring (TDR) [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment		3,300		6,500
Impaired financing receivable, related allowance		208		223
Loans in nonaccrual status		$ 293		$ 3,000
Number of loans modified as a TDR | loan		0		0
Troubled Debt Restructuring (TDR) [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, related allowance		$ 41		$ 199
Troubled Debt Restructuring (TDR) [Member] | Performing Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, related allowance		$ 167		24
Troubled Debt Restructuring (TDR) [Member] | Transferred Loans [Member]
Financing Receivable, Impaired [Line Items]
Financing receivable, impaired, number | loan		1
Loan principal amount		$ 2,700
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment	[1]	1,887		3,028
Impaired financing receivable, related allowance		705	[2]	502	[3]
Loan principal amount		$ 39,393		$ 40,401
Small Business Administration Portfolio Segment [Member] | Troubled Debt Restructuring (TDR) [Member]
Financing Receivable, Impaired [Line Items]
Financing receivable, modifications, subsequent default, number of contracts | loan				1
Financing receivable, modifications, subsequent default, recorded investment				$ 131
[1]	Balances are reduced by the average amount guaranteed by the SBA of $416 thousand and $1.2 million for years ended December 31, 2015 and 2014, respectively.
[2]	Balances are reduced by amount guaranteed by the SBA of $288 thousand at December 31, 2015.
[3]	Balances are reduced by amount guaranteed by the SBA of $1.6 million at December 31, 2014.

Loans (Servicing Assets) (Narra

Loans (Servicing Assets) (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loans sold and serviced but owned by outside investors	$ 102,900	$ 113,200
Servicing Asset	1,400	753
Discount related to retained portion of unsold SBA loans	$ 854	$ 657
SBA Servicing Assets [Member]
Discount rate used to determine fair value of mortgage servicing assets	15.00%
SBA Servicing Assets [Member] | Minimum [Member]
Interest strip multiples range used to determine fair value	2.08%
Constant prepayment speeds range used to determine fair value	15.00%
SBA Servicing Assets [Member] | Maximum [Member]
Interest strip multiples range used to determine fair value	3.80%
Constant prepayment speeds range used to determine fair value	18.00%
Mortgage Servicing Assets [Member]
Discount rate used to determine fair value of mortgage servicing assets	12.00%
Period used to determine the fair value of mortgage servicing assets	7 years

Loans (Classification of Loans

Loans (Classification of Loans By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	$ 875,844	$ 756,646
SBA loans held for sale	13,114	5,179
Total loans	888,958	761,825
Small Business Administration Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	39,393	40,401
Small Business Administration, 504 Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	29,353	34,322
Commercial Other Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	49,332	40,607
Commercial Real Estate Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	391,071	339,693
Commercial Real Estate Construction Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	25,115	21,649
Residential Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	264,523	220,878
Consumer Home Equity Line Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	45,042	41,451
Consumer Other Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	$ 32,015	$ 17,645

Loans (Loan Portfolio by Class

Loans (Loan Portfolio by Class According to Credit Quality Indicators) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	$ 875,844	$ 756,646
SBA, SBA 504, and Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	534,264	476,672
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	39,393	40,401
Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	29,353	34,322
Residential and Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	341,580	279,974
Commercial Other Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	49,332	40,607
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	391,071	339,693
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	25,115	21,649
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	465,518	401,949
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	264,523	220,878
Consumer Home Equity Line Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	45,042	41,451
Consumer Other Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	32,015	17,645
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	77,057	59,096
Pass [Member] | SBA, SBA 504, and Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	498,476	434,960
Pass [Member] | Small Business Administration Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	35,032	35,827
Pass [Member] | Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	24,003	24,415
Pass [Member] | Commercial Other Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	45,870	38,054
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	369,510	315,015
Pass [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	24,061	21,649
Pass [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	439,441	374,718
Special Mention [Member] | SBA, SBA 504, and Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	29,969	30,042
Special Mention [Member] | Small Business Administration Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,647	2,250
Special Mention [Member] | Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	4,917	5,967
Special Mention [Member] | Commercial Other Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,373	1,270
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	18,978	20,555
Special Mention [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,054
Special Mention [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	22,405	21,825
Substandard [Member] | SBA, SBA 504, and Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	5,819	11,670
Substandard [Member] | Small Business Administration Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,714	2,324
Substandard [Member] | Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	433	3,940
Substandard [Member] | Commercial Other Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,089	1,283
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,583	4,123
Substandard [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	3,672	5,406
Performing Financing Receivable [Member] | Residential and Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	338,766	278,784
Performing Financing Receivable [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	262,299	220,233
Performing Financing Receivable [Member] | Consumer Home Equity Line Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	44,452	40,908
Performing Financing Receivable [Member] | Consumer Other Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	32,015	17,643
Performing Financing Receivable [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	76,467	58,551
Nonperforming Financing Receivable [Member] | Residential and Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,814	1,190
Nonperforming Financing Receivable [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,224	645
Nonperforming Financing Receivable [Member] | Consumer Home Equity Line Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	590	543
Nonperforming Financing Receivable [Member] | Consumer Other Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment		2
Nonperforming Financing Receivable [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	$ 590	$ 545

Loans (Aging Analysis of Past D

Loans (Aging Analysis of Past Due and Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands		Dec. 31, 2015		Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		$ 4,548		$ 9,070
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due		1,820		1,024
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due				890
Financing Receivable, Recorded Investment, Nonaccrual Status		7,260	[1]	11,368	[2]
Financing Receivable, Recorded Investment, Past Due		13,628		22,352
Financing Receivable, Recorded Investment, Current		875,330		739,473
Total loans		875,844		756,646
SBA loans held for sale		13,114		5,179
Total loans		888,958		761,825
Troubled Debt Restructuring (TDR) [Member] | Non Accrual [Member]
Financing Receivable, Recorded Investment [Line Items]
Performing troubled debt restructurings		293		3,000
Troubled Debt Restructuring (TDR) [Member] | Accrual [Member]
Financing Receivable, Recorded Investment [Line Items]
Performing troubled debt restructurings		3,000		3,500
SBA, SBA 504, and Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans		534,264		476,672
Residential and Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans		341,580		279,974
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		1,153		1,093
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due		456		147
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due				161
Financing Receivable, Recorded Investment, Nonaccrual Status		1,764	[1]	3,348	[2]
Financing Receivable, Recorded Investment, Past Due		3,373		4,749
Financing Receivable, Recorded Investment, Current		36,020		35,652
Total loans		39,393		40,401
Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due				1,639
Financing Receivable, Recorded Investment, Nonaccrual Status		518	[1]	2,109	[2]
Financing Receivable, Recorded Investment, Past Due		518		3,748
Financing Receivable, Recorded Investment, Current		28,835		30,574
Total loans		29,353		34,322
Commercial Other Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		157
Financing Receivable, Recorded Investment, Nonaccrual Status		10	[1]	1,129	[2]
Financing Receivable, Recorded Investment, Past Due		167		1,129
Financing Receivable, Recorded Investment, Current		49,165		39,478
Total loans		49,332		40,607
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		444		2,812
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due		283
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due				7
Financing Receivable, Recorded Investment, Nonaccrual Status		2,154	[1]	3,592	[2]
Financing Receivable, Recorded Investment, Past Due		2,881		6,411
Financing Receivable, Recorded Investment, Current		388,190		333,282
Total loans		391,071		339,693
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		356
Financing Receivable, Recorded Investment, Past Due		356
Financing Receivable, Recorded Investment, Current		24,759		21,649
Total loans		25,115		21,649
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans		465,518		401,949
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		2,307		2,887
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due		1,078		658
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due				722
Financing Receivable, Recorded Investment, Nonaccrual Status		2,224	[1]	645	[2]
Financing Receivable, Recorded Investment, Past Due		5,609		4,912
Financing Receivable, Recorded Investment, Current		258,914		215,966
Total loans		264,523		220,878
Consumer Home Equity Line Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		130		639
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due		3		213
Financing Receivable, Recorded Investment, Nonaccrual Status		590	[1]	543	[2]
Financing Receivable, Recorded Investment, Past Due		723		1,395
Financing Receivable, Recorded Investment, Current		44,319		40,056
Total loans		45,042		41,451
Consumer Other Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		1
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due				6
Financing Receivable, Recorded Investment, Nonaccrual Status	[2]			2
Financing Receivable, Recorded Investment, Past Due		1		8
Financing Receivable, Recorded Investment, Current		32,014		17,637
Total loans		32,015		17,645
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans		77,057		59,096
Loans Held for Investment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due		4,548		9,070
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due		1,820		1,024
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due				890
Financing Receivable, Recorded Investment, Nonaccrual Status		7,260	[1]	11,368	[2]
Financing Receivable, Recorded Investment, Past Due		13,628		22,352
Financing Receivable, Recorded Investment, Current		862,216		734,294
Total loans		875,844		756,646
SBA Loans Held For Sale [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Recorded Investment, Current		13,114		5,179
SBA loans held for sale		13,114		5,179
Loans Guaranteed By Small Business Administration [Member] | Troubled Debt Restructuring (TDR) [Member]
Financing Receivable, Recorded Investment [Line Items]
Performing troubled debt restructurings		$ 288		$ 1,600
[1]	At December 31, 2015, nonaccrual loans included $293 thousand of TDRs and $288 thousand of loans guaranteed by the SBA. The remaining $3.0 million of TDRs are in accrual status because they are performing in accordance with their restructured terms, and have been for at least six months.
[2]	At December 31, 2014, nonaccrual loans included $3.0 million of TDRs and $1.6 million of loans guaranteed by the SBA. The remaining $3.5 million of TDRs are in accrual status because they are performing in accordance with their restructured terms, and have been for at least six months.

Loans (Impaired Loans with Asso

Loans (Impaired Loans with Associated Allowance Amount) (Details) - USD ($) $ in Thousands	Dec. 31, 2015		Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 4,552		$ 6,816
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	3,900		6,564
Impaired Financing Receivable, Unpaid Principal Balance, Total	8,452		13,380
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	4,110		6,099
Impaired Financing Receivable, with Related Allowance, Recorded Investment	3,063		6,058
Impaired Financing Receivable, Recorded Investment, Total	7,173		12,157
Impaired financing receivable, related allowance	842		1,161
Impaired financing receivable unpaid principle balance, guaranteed by Small Business Administration	288		1,600
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	961	[1]	1,719	[2]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	2,203	[1]	1,521	[2]
Impaired Financing Receivable, Unpaid Principal Balance, Total	3,164	[1]	3,240	[2]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	518	[1]	1,093	[2]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,389	[1]	1,127	[2]
Impaired Financing Receivable, Recorded Investment, Total	1,907	[1]	2,220	[2]
Impaired financing receivable, related allowance	705	[1]	502	[2]
Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	2,226		2,202
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance			1,676
Impaired Financing Receivable, Unpaid Principal Balance, Total	2,226		3,878
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,226		2,202
Impaired Financing Receivable, with Related Allowance, Recorded Investment			1,676
Impaired Financing Receivable, Recorded Investment, Total	2,226		3,878
Impaired financing receivable, related allowance			510
Commercial Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			878
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	33		364
Impaired Financing Receivable, Unpaid Principal Balance, Total	33		1,242
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			877
Impaired Financing Receivable, with Related Allowance, Recorded Investment	10		252
Impaired Financing Receivable, Recorded Investment, Total	10		1,129
Impaired financing receivable, related allowance	10		41
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,365		2,017
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,664		3,003
Impaired Financing Receivable, Unpaid Principal Balance, Total	3,029		5,020
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,366		1,927
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,664		3,003
Impaired Financing Receivable, Recorded Investment, Total	3,030		4,930
Impaired financing receivable, related allowance	127		108
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,365		2,895
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,697		3,367
Impaired Financing Receivable, Unpaid Principal Balance, Total	3,062		6,262
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,366		2,804
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,674		3,255
Impaired Financing Receivable, Recorded Investment, Total	3,040		6,059
Impaired financing receivable, related allowance	$ 137		$ 149
[1]	Balances are reduced by amount guaranteed by the SBA of $288 thousand at December 31, 2015.
[2]	Balances are reduced by amount guaranteed by the SBA of $1.6 million at December 31, 2014.

Loans (Average Recorded Investm

Loans (Average Recorded Investments in Impaired Loans and Related Amount of Interest Recognized) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment		$ 10,435	$ 12,802
Impaired Financing Receivable, Interest Income, Accrual Method		362	621
Impaired financing receivable average recorded investment, guaranteed by Small Business Administration		416	1,200
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment	[1]	1,887	3,028
Impaired Financing Receivable, Interest Income, Accrual Method	[1]	90	256
Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment		2,488	3,042
Impaired Financing Receivable, Interest Income, Accrual Method		106	109
Commercial Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment		960	323
Impaired Financing Receivable, Interest Income, Accrual Method		102	2
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment		5,100	6,336
Impaired Financing Receivable, Interest Income, Accrual Method		$ 64	231
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Average Recorded Investment			73
Impaired Financing Receivable, Interest Income, Accrual Method			$ 23
[1]	Balances are reduced by the average amount guaranteed by the SBA of $416 thousand and $1.2 million for years ended December 31, 2015 and 2014, respectively.

Loans (Servicing Assets) (Detai

Loans (Servicing Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loans [Abstract]
Balance, beginning of year	$ 753	$ 437
SBA servicing assets capitalized	927	483
Amortization of expense	(291)	(167)
Balance, end of year	$ 1,389	$ 753

Loans (Officer and Director Loa

Loans (Officer and Director Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loans [Abstract]
Balance, beginning of year	$ 26,452	$ 18,327
New loans and advances	15,809	9,254
Loan repayments	(4,867)	(1,129)
Balance, end of year	$ 37,394	$ 26,452

Allowance for Loan Losses and68

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans and Leases Receivable, Allowance	$ 12,759	$ 12,551	$ 13,141
Reserve for unfunded loan commitments	138	151
Losses on unfunded loan commitments	0	0
Unallocated Financing Receivables [Member]
Loans and Leases Receivable, Allowance	$ 162	$ 105	$ 52

Allowance for Loan Losses and69

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Activity in the Allowance for Loan Losses by Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended							12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			$ 12,551				$ 13,141	$ 12,551	$ 13,141
Charge-offs								(1,448)	(3,515)
Recoveries								1,156	375
Net (charge-offs) recoveries								(292)	(3,140)
Provision for loan losses charged to expense	$ 100	$ 200	200	$ 850	$ 550	$ 550	600	500	2,550
Ending Balance	12,759			12,551				12,759	12,551
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			1,883				2,587	1,883	2,587
Charge-offs								(370)	(1,053)
Recoveries								54	140
Net (charge-offs) recoveries								(316)	(913)
Provision for loan losses charged to expense								394	209
Ending Balance	1,961			1,883				1,961	1,883
Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			1,337				957	1,337	957
Charge-offs								(589)	(92)
Net (charge-offs) recoveries								(589)	(92)
Provision for loan losses charged to expense								(7)	472
Ending Balance	741			1,337				741	1,337
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			6,270				6,840	6,270	6,840
Charge-offs								(309)	(1,037)
Recoveries								1,052	166
Net (charge-offs) recoveries								743	(871)
Provision for loan losses charged to expense								(704)	301
Ending Balance	6,309			6,270				6,309	6,270
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			2,289				2,132	2,289	2,132
Charge-offs								(50)	(740)
Recoveries								49	60
Net (charge-offs) recoveries								(1)	(680)
Provision for loan losses charged to expense								481	837
Ending Balance	2,769			2,289				2,769	2,289
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			667				573	667	573
Charge-offs								(130)	(593)
Recoveries								1	9
Net (charge-offs) recoveries								(129)	(584)
Provision for loan losses charged to expense								279	678
Ending Balance	817			667				817	667
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance			$ 105				$ 52	105	52
Provision for loan losses charged to expense								57	53
Ending Balance	$ 162			$ 105				$ 162	$ 105

Allowance for Loan Losses and70

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Loans and their Related Allowance for Loan Losses, by Portfolio Segment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Allowance, Total	$ 12,759	$ 12,551	$ 13,141
Total loans	875,844	756,646
Small Business Administration Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	705	502
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,256	1,381
Loans and Leases Receivable, Allowance, Total	1,961	1,883	2,587
Financing Receivable, Individually Evaluated for Impairment	1,907	2,220
Financing Receivable, Collectively Evaluated for Impairment	37,486	38,181
Total loans	39,393	40,401
Small Business Administration, 504 Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		510
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	741	827
Loans and Leases Receivable, Allowance, Total	741	1,337	957
Financing Receivable, Individually Evaluated for Impairment	2,226	3,878
Financing Receivable, Collectively Evaluated for Impairment	27,127	30,444
Total loans	29,353	34,322
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	137	149
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	6,172	6,121
Loans and Leases Receivable, Allowance, Total	6,309	6,270	6,840
Financing Receivable, Individually Evaluated for Impairment	3,040	6,059
Financing Receivable, Collectively Evaluated for Impairment	462,478	395,890
Total loans	465,518	401,949
Commercial Other Receivable [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	49,332	40,607
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	391,071	339,693
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	25,115	21,649
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,769	2,289
Loans and Leases Receivable, Allowance, Total	2,769	2,289	2,132
Financing Receivable, Collectively Evaluated for Impairment	264,523	220,878
Total loans	264,523	220,878
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	817	667
Loans and Leases Receivable, Allowance, Total	817	667	573
Financing Receivable, Collectively Evaluated for Impairment	77,057	59,096
Total loans	77,057	59,096
Consumer Home Equity Line Financing Receivable [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	45,042	41,451
Consumer Other Financing Receivable [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	32,015	17,645
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	162	105
Loans and Leases Receivable, Allowance, Total	162	105	$ 52
Loans Held for Investment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	842	1,161
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	11,917	11,390
Loans and Leases Receivable, Allowance, Total	12,759	12,551
Financing Receivable, Individually Evaluated for Impairment	7,173	12,157
Financing Receivable, Collectively Evaluated for Impairment	868,671	744,489
Total loans	$ 875,844	$ 756,646

Premises and Equipment (Narrati

Premises and Equipment (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Premises and Equipment [Abstract]
Depreciation	$ 990	$ 1,000

Premises and Equipment (Summary

Premises and Equipment (Summary of Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 26,621	$ 25,877
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	(11,450)	(10,646)
Property, Plant and Equipment, Net	15,171	15,231
Land and Building [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	17,286	17,136
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	7,510	7,032
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 1,825	$ 1,709

Other Assets (Other Assets) (De

Other Assets (Other Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Prepaid expenses	$ 516	$ 399
Servicing assets	1,400	753
Net receivable due from SBA	226	318
Other	932	1,821
Total other assets	3,063	3,291
SBA Servicing Asset [Member]
Servicing assets	515	404
Mortgage Servicing Asset [Member]
Servicing assets	$ 874	$ 349

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Time deposits, $250,000 and over	$ 38.6	$ 17.7

Deposits (Schedule of Deposits

Deposits (Schedule of Deposits by Time Remaining on Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Contractual Maturities, Time Deposits, Less than $100,000, Three Months or Less	$ 9,948	$ 10,988
Contractual Maturities, Time Deposits, Less than $100,000, Three Months Through Six Months	10,091	7,837
Contractual Maturities, Time Deposits, Less than $100,000, Six Months Through 12 Months	30,650	14,512
Contractual Maturities, Time Deposits, Less than $100,000, after 12 Months	83,779	79,782
Deposits: Time deposits, under $100,000	134,468	113,119
Contractual Maturities, Time Deposits, $100,000 or More, Three Months or Less	15,919	11,444
Contractual Maturities, Time Deposits, $100,000 or More, Three Months Through Six Months	31,377	8,290
Contractual Maturities, Time Deposits, $100,000 or More, Six Months Through 12 Months	31,854	19,570
Contractual Maturities, Time Deposits, $100,000 or More, after 12 Months	63,556	59,910
Time Deposits, $100,000 or More, Total	$ 142,706	$ 99,214

Deposits (Schedule of Certifica

Deposits (Schedule of Certificates of Deposits by Year of Maturity) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Deposits [Abstract]
Time Deposit Maturities, 2016	$ 129,839
Time Deposit Maturities, 2017	16,729
Time Deposit Maturities, 2018	45,860
Time Deposit Maturities, 2019	58,404
Time Deposit Maturities, 2020	26,286
Time Deposit Maturities, Thereafter	56
Time Deposits, Total	$ 277,174

Borrowed Funds and Subordinat77

Borrowed Funds and Subordinated Debentures (Narrative) (Details) $ in Thousands	Sep. 01, 2006USD ($)	Feb. 29, 2016USD ($)	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Debt Instrument [Line Items]
Subordinated debentures			$ 15,465	$ 15,465
Marketable securities equity securities			$ 465	$ 465
FHLB Advances [Member]
Debt Instrument [Line Items]
Number of FHLB Advances | loan				6
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances				$ 10,000
FHLB Repurchase Agreements [Member]
Debt Instrument [Line Items]
Number of FHLB Repurchase Agreements | loan			1
Subordinated Debenture July 24, 2006 [Member]
Debt Instrument [Line Items]
Debt Instrument, Maturity Date			Jul. 24, 2036
Subordinated debentures			$ 10,000	$ 10,000
Debt Instrument, Interest Rate at Period End			2.18%
Debt instrument basis spread on variable rate				1.84%
Subordinated Debenture December 19, 2006 [Member]
Debt Instrument [Line Items]
Debt Instrument, Maturity Date			Dec. 19, 2036
Subordinated debentures			$ 5,000	$ 5,000
Debt Instrument, Interest Rate at Period End			2.06%
Debt instrument basis spread on variable rate				1.89%
Subordinated Debenture December 19, 2006 [Member] | Subsequent Event [Member]
Debt Instrument [Line Items]
Debt dedemption price per Dollar		0.5475
Debt outstanding repurchased amount		$ 5,000
Debt instrument redeemed amount		155
Gains (Losses) on Extinguishment of Debt		$ 2,250
Securities Sold Under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Debt Instrument, Interest Rate, Stated Percentage			3.67%	3.67%
Debt Instrument, Maturity Date			Feb. 28, 2018
Debt instrument term			10 years	10 years
Secured debt repurchase agreements			$ 15,000	$ 15,000
Subordinated Debentures Subject to Mandatory Redemption [Member]
Debt Instrument [Line Items]
Maximum period to defer interest payment without default			5 years
Unsecured Subordinated Capital Note [Member]
Debt Instrument [Line Items]
Debt Instrument, Interest Rate, Stated Percentage	8.75%
Debt Instrument, Maturity Date			Aug. 17, 2031
Debt instrument face amount	$ 8,500
Proceeds from issuance of subordinated note	$ 8,500
Parent Company Only [Member]
Debt Instrument [Line Items]
Subordinated debentures			$ 15,465	$ 15,465
FHLB Borrowing Five Advances [Member] | FHLB Advances [Member]
Debt Instrument [Line Items]
Number of FHLB Advances | loan			5
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 10,000
FHLB Borrowing One Advance [Member] | FHLB Advances [Member]
Debt Instrument [Line Items]
Number of FHLB Advances | loan			1
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 20,000
LIBOR [Member] | Subordinated Debenture July 24, 2006 [Member]
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate			1.59%	1.59%
LIBOR [Member] | Subordinated Debenture December 19, 2006 [Member]
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate			1.65%	1.65%
FHLB advance August 10, 2017 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 10,000
Federal Home Loan Bank, Advances, interest rate			4.23%
Debt Instrument, Maturity Date			Aug. 10, 2017
FHLB advance April 5, 2017 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 10,000
Federal Home Loan Bank, Advances, interest rate			4.27%
Debt Instrument, Maturity Date			Apr. 5, 2017
FHLB advance December 20, 2017 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 10,000
Federal Home Loan Bank, Advances, interest rate			3.40%
Debt Instrument, Maturity Date			Dec. 20, 2017
Fhlb Advance October 27, 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, interest rate			2.02%
Debt Instrument, Maturity Date			Oct. 27, 2020
Fhlb Advance October 27, 2020 [Member] | FHLB Advance Original Maturity November 2, 2016 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 10,000
Federal Home Loan Bank, Advances, interest rate			4.03%
Fhlb Advance October 27, 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, interest rate			2.15%
Fhlb Advance October 27, 2020 [Member] | FHLB Advance Original Maturity December 15, 2016 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 10,000
Federal Home Loan Bank, Advances, interest rate			4.19%
Fhlb Advance June 7, 2016 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances			$ 20,000
Fhlb Advance June 7, 2016 [Member] | LIBOR [Member]
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate			29.50%
FHLB Overnight Line of Credit [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available			$ 7,000	$ 50,000
Debt Instrument, Interest Rate, Stated Percentage			0.52%

Borrowed Funds and Subordinat78

Borrowed Funds and Subordinated Debentures (Schedule of Debt) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Debt Instrument [Line Items]
Long-term Debt	$ 107,465
FHLB borrowings and repurchase agreements [Member]
Debt Instrument [Line Items]
Long and Short-term Debt	77,000	$ 110,000	$ 92,000
Long-term Debt	77,000
Year-to-date average	57,187	60,765	61,010
Maximum outstanding	$ 140,000	$ 110,000	$ 95,000
Federal Home Loan Bank Advances Activity For Year Average Interest Rate At Period End	2.66%	2.31%	2.58%
Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year	3.72%	3.96%	3.88%
Securities Sold Under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Long-term Debt	$ 15,000	$ 15,000	$ 15,000
Year-to-date average	15,000	15,000	15,000
Maximum outstanding	$ 15,000	$ 15,000	$ 15,000
Federal Home Loan Bank Advances Activity For Year Average Interest Rate At Period End	3.67%	3.67%	3.67%
Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year	3.67%	3.67%	3.67%
Subordinated debentures [Member]
Debt Instrument [Line Items]
Long-term Debt	$ 15,465	$ 15,465	$ 15,465
Year-to-date average	15,465	15,465	15,465
Maximum outstanding	$ 15,465	$ 15,465	$ 15,465
Federal Home Loan Bank Advances Activity For Year Average Interest Rate At Period End	1.98%	1.82%	1.80%
Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year	1.87%	1.81%	1.83%

Borrowed Funds and Subordinat79

Borrowed Funds and Subordinated Debentures (Scheduled Maturities of Term Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Debt Instrument [Line Items]
2,016	$ 27,000
2,017	30,000
2,018	15,000
2,020	20,000
Thereafter	15,465
Total	107,465
FHLB borrowings and repurchase agreements [Member]
Debt Instrument [Line Items]
2,016	27,000
2,017	30,000
2,020	20,000
Total	77,000
Securities Sold Under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
2,018	15,000
Total	15,000	$ 15,000	$ 15,000
Subordinated debentures [Member]
Debt Instrument [Line Items]
Thereafter	15,465
Total	$ 15,465	$ 15,465	$ 15,465

Borrowed Funds and Subordinat80

Borrowed Funds and Subordinated Debentures (Outstanding Interest Rate Swap Agreements Used to Hedge Variable Rate Debt) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Borrowed Funds and Subordinated Debentures [Abstract]
Notional amount	$ 20,000
Weighted average pay rate	1.90%
Weighted average receive rate	0.41%
Weighted average maturity in years	4 years 10 months 24 days
Unrealized loss relating to interest rate swaps	$ 28

Commitments and Contingencies81

Commitments and Contingencies (Narrative) (Details) $ in Thousands	Feb. 29, 2016USD ($)	Feb. 29, 2016USD ($)	Dec. 31, 2015USD ($)storeitem	Dec. 31, 2014USD ($)
Other Commitments [Line Items]
Number of Stores | store			15
Number of board members that are partners in leased property | item			2
Operating Leases, Rent Expense, Net			$ 732	$ 718
Purchases of premises and equipment			$ 951	597
Owned Properties [Member]
Other Commitments [Line Items]
Number of Stores | store			11
Subsequent Event [Member]
Other Commitments [Line Items]
Purchases of premises and equipment		$ 4,100
Director [Member]
Other Commitments [Line Items]
Operating Leases, Rent Expense, Net			$ 400
Lessee Leasing Arrangements, Operating Leases, Term of Contract			5 years
Director [Member] | Maximum [Member]
Other Commitments [Line Items]
Lessee Leasing Arrangements, Operating Leases, Annual increase, Percentage			1.50%
Commitments to Extend Credit [Member]
Other Commitments [Line Items]
Other Commitment			$ 138,300	150,900
Commitments expire within one year			51,300	74,100
Standby Letters of Credit [Member]
Other Commitments [Line Items]
Other Commitment			$ 1,800	$ 1,500
One year or less period [Member] | Subsequent Event [Member]
Other Commitments [Line Items]
Increase (decrease) in operating leases obligations	$ (355)
One to three years period [Member] | Subsequent Event [Member]
Other Commitments [Line Items]
Increase (decrease) in operating leases obligations	$ (830)
Operating Leases [Member]
Other Commitments [Line Items]
Number of Stores | store			4

Commitments and Contingencies82

Commitments and Contingencies (Operating Leases of Lessee Disclosure) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Commitments and Contingencies [Abstract]
Operating lease rental payments, 2016	$ 691
Operating lease rental payments, 2017	635
Operating lease rental payments, 2018	437
Operating lease rental payments	$ 1,763

Accumulated Other Comprehensi83

Accumulated Other Comprehensive Income (Loss) (Changes in Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning of period		$ 143
Less amounts reclassified from accumulated other comprehensive loss		18	$ 290
Total unrealized (losses) gains on securities available for sale, net of tax		(145)	619
Balance, end of period		(2)	143
Total adjustments related to defined benefit plan, net of tax		(448)
Balance, end of period		(448)
Other comprehensive (loss) income before reclassification related to cash flow hedge		(17)
Total adjustments related to cash flow hedge		(17)
Balance, end of period		(17)
Balance, beginning of period	[1]	143	(476)
Other comprehensive (loss) income before reclassifications	[1]	(642)	909
Less amounts reclassified from accumulated other comprehensive loss	[1]	(32)	290
Total other comprehensive (loss) income, net	[1]	(610)	619
Balance, end of period	[1]	(467)	143
Net unrealized gains (losses) on securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning of period	[1]	143	(476)
Other comprehensive (loss) income before reclassification related to securities	[1]	(127)	909
Less amounts reclassified from accumulated other comprehensive loss	[1]	18	290
Total unrealized (losses) gains on securities available for sale, net of tax	[1]	(145)	619
Balance, end of period	[1]	$ (2)	$ 143
Adjustments related to defined benefit plan [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning of period	[1]
Other comprehensive (loss) income before reclassifications adjustments related to defined benefit plan	[1]	$ (498)
Less amounts reclassified from accumulated other comprehensive loss, adjustments related to defined benefit plan	[1]	(50)
Total adjustments related to defined benefit plan, net of tax	[1]	(448)
Balance, end of period	[1]	$ (448)
Net unrealized gains (losses) from cash flow hedges [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning of period	[1]
Other comprehensive (loss) income before reclassification related to cash flow hedge	[1]	$ (17)
Total adjustments related to cash flow hedge	[1]	(17)
Balance, end of period	[1]	$ (17)
[1]	All amounts are net of tax.

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Oct. 21, 2002
Shareholders’ Equity [Abstract]
Shareholders' equity					$ 70,123				$ 57,173	$ 70,123	$ 57,173
Net income		$ 2,639	$ 2,551	$ 2,428	$ 1,939	$ 1,701	$ 1,886	$ 1,528	$ 1,293	9,557	6,408
Proceeds from rights offering											6,143
Dividends on common stock										1,109	757
Common stock issued and related tax effects	[1]									509	537
Accumulated other comprehensive loss related to AFS securities and prior service costs, net of tax	[2]									$ (610)	$ 619
Stock Repurchase Program, Number of Shares Authorized to be Repurchased		556,000								556,000
Stockholders' Equity, Period Increase (Decrease)										$ 8,300
Stock Repurchase Program, Remaining Number of Shares Authorized to be Repurchased		153,000								153,000
Maximum percentage of outstanding common stock authorized for repurchase												10.00%
Treasury Stock, Shares, Retired										131,000
Shares repurchased										0	0
[1]	Includes the issuance of common stock under employee benefit plans, which includes nonqualified stock options and restricted stock
[2]	All amounts are net of tax.

Other Income (Narrative) (Detai

Other Income (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other Income [Abstract]
Atm and check card fees	$ 569	$ 534
Wire transfer fees	90	95
Safe deposit box fees	89	68
Other	179	147
Total other income	$ 927	$ 844

Other Expenses (Schedule of Oth

Other Expenses (Schedule of Other Nonoperating Expense, by Component) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other Expenses [Abstract]
Travel, entertainment, training and recruiting	$ 698	$ 584
Director fees	437	359
Insurance	333	335
Stationery and supplies	256	250
Retail losses	143	56
Other	289	217
Total other expenses	$ 2,156	$ 1,801

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Income Tax Contingency [Line Items]
Valuation Allowance	$ 139	$ 132
State net operating loss carry-forward deferred tax asset	139	132
Unrealized loss related to securities available for sale	(2)	$ 143
Unrealized loss related to SERP	(448)
Unrealized loss related to interest rate swap	(17)
State and Local Jurisdiction [Member]
Income Tax Contingency [Line Items]
Operating Loss Carryforwards	$ 2,400

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of Income Tax Expense (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Federal - current provision	$ 4,067	$ 2,380
Federal - deferred provision	280	381
Total Federal provision	4,347	2,761
State - current provision)	377	267
State - deferred provision	87	117
Total state provision	464	384
Total provision for income taxes	$ 4,811	$ 3,145

Income Taxes (Schedule of Effec

Income Taxes (Schedule of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Federal income tax provision at statutory rate	$ 5,028	$ 3,248
Bank owned life insurance	(133)	(190)
Tax-exempt interest	(99)	(121)
Meals and entertainment	18	18
State income taxes, net of federal income tax effect	302	253
Other, net	(305)	(63)
Total provision for income taxes	$ 4,811	$ 3,145
Effective tax rate	33.50%	32.90%
Federal income tax provision at statutory percentage rate	35.00%	34.00%

Income Taxes (Schedule of Defer

Income Taxes (Schedule of Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Allowance for loan losses	$ 5,212	$ 5,013
Depreciation	519	489
Stock-based compensation	515	463
SERP	369
Deferred compensation	262	231
Lost interest on nonaccrual loans	173	354
State net operating loss	139	132
Commitment reserve	56	60
Other	96	63
Gross deferred tax assets	7,341	6,805
Valuation Allowance	(139)	(132)
Total deferred tax assets	7,202	6,673
Deferred tax liabilities:
Deferred loan costs	495	216
Goodwill	416	367
Deferred servicing fees	219	38
Bond accretion	104	100
Net unrealized security gains		92
Total deferred tax liabilities	1,234	813
Net deferred tax asset	$ 5,968	$ 5,860

Net Income per Share (Calculati

Net Income per Share (Calculation of Basic and Diluted EPS) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Net Income per Share [Abstract]
Net income	$ 2,639	$ 2,551	$ 2,428	$ 1,939	$ 1,701	$ 1,886	$ 1,528	$ 1,293	$ 9,557	$ 6,408
Weighted average common shares outstanding - Basic									8,425	7,856
Plus: Potential dilutive common stock equivalents									104	89
Weighted average common shares outstanding - Diluted									8,529	7,945
Net income per common share - Basic	$ 0.31	$ 0.30	$ 0.29	$ 0.23	$ 0.21	$ 0.24	$ 0.20	$ 0.17	$ 1.13	$ 0.82
Net income per common share - Diluted	$ 0.31	$ 0.30	$ 0.28	$ 0.23	$ 0.20	$ 0.24	$ 0.20	$ 0.17	$ 1.12	$ 0.81
Stock options and common stock excluded from the income per share calculation as their effect would have been anti-dilutive									81	114

Regulatory Capital (Narrative)

Regulatory Capital (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Proceeds from rights offering, net		$ 6,143
Leverage ratio: For Capital Adequacy Purposes Ratio	4.00%	4.00%
Common Equity Tier One Capital Ratio	4.50%
Total capital ratio	8.00%	8.00%
Tier 1 capital to risk-weighted assets ratio	11.18%	11.57%
Capital Conservation Buffer	2.50%
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio: For Capital Adequacy Purposes Ratio	4.00%	4.00%
Common Equity Tier One Capital Ratio	4.50%
Total capital ratio	8.00%	8.00%
Tier 1 capital to risk-weighted assets ratio	10.08%	10.37%

Regulatory Capital (Schedule Re

Regulatory Capital (Schedule Regulatory Capital Requirements) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio: Actual Amount	$ 92,442	$ 83,615
CET1: Actual Amount	77,442
Tier I risk-based capital ratio: Actual Amount	92,442	83,615
Total risk-based capital ratio: Actual Amount	$ 102,809	$ 92,691
Leverage ratio: Actual Ratio	8.82%	8.71%
CET1: Actual Ratio	9.37%
Tier I risk-based capital ratio: Actual Ratio	11.18%	11.57%
Total risk--based capital ratio: Actual Ratio	12.43%	12.83%
Leverage ratio: For Capital Adequacy Purposes Amount	$ 41,934	$ 38,405
CET1: For Capital Adequacy Purposes Amount	37,210
Tier I risk-based capital ratio: For Capital Adequacy Purposes Amount	49,613	28,900
Total risk-based capital ratio: For Capital Adequacy Purposes Amount	$ 66,151	$ 57,779
Leverage ratio: For Capital Adequacy Purposes Ratio	4.00%	4.00%
CET1: For Capital Adequacy Purposes Ratio	4.50%
Tier I risk-based capital ratio: For Capital Adequacy Purposes Ratio	6.00%	4.00%
Total risk-based capital ratio: For Capital Adequacy Purposes Ratio	8.00%	8.00%
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio: Actual Amount	$ 83,316	$ 74,819
CET1: Actual Amount	83,316
Tier I risk-based capital ratio: Actual Amount	83,316	74,819
Total risk-based capital ratio: Actual Amount	$ 102,179	$ 92,388
Leverage ratio: Actual Ratio	7.95%	7.80%
CET1: Actual Ratio	10.08%
Tier I risk-based capital ratio: Actual Ratio	10.08%	10.37%
Total risk--based capital ratio: Actual Ratio	12.36%	12.80%
Leverage ratio: For Capital Adequacy Purposes Amount	$ 41,908	$ 38,381
CET1: For Capital Adequacy Purposes Amount	37,193
Tier I risk-based capital ratio: For Capital Adequacy Purposes Amount	49,590	28,874
Total risk-based capital ratio: For Capital Adequacy Purposes Amount	$ 66,120	$ 57,747
Leverage ratio: For Capital Adequacy Purposes Ratio	4.00%	4.00%
CET1: For Capital Adequacy Purposes Ratio	4.50%
Tier I risk-based capital ratio: For Capital Adequacy Purposes Ratio	6.00%	4.00%
Total risk-based capital ratio: For Capital Adequacy Purposes Ratio	8.00%	8.00%
Leverage ratio: To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount	$ 52,385	$ 47,976
CET1: To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount	53,723
Tier I risk-based capital ratio: To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount	66,120	43,310
Total risk-based capital ratio: To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount	$ 82,650	$ 72,184
Leverage ratio: To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	5.00%	5.00%
CET1: To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	6.50%
Tier I risk-based capital ratio: To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	8.00%	6.00%
Total risk-based capital ratio: To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	10.00%	10.00%

Regulatory Capital (Schedule of

Regulatory Capital (Schedule of Future Basel III Capital Requirements) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Regulatory Capital [Abstract]
Leverage ratio	4.00%	4.00%
CET1: For Capital Adequacy Purposes Ratio	4.50%
Additional tier 1	1.50%
Tier 1 capital ratio	6.00%	4.00%
Tier 2	2.00%	4.00%
Total capital ratio	8.00%	8.00%
Capital conservation buffer	2.50%

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, maximum annual contributions per employee, percent	80.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 312	$ 258
Deferred fees	38	79
Interest paid on deferred fees	26	$ 23
Deferred compensation arrangement with individual, distributions paid	0
Life Settlement Contracts, Fair Value Method, Face Value	250
Life Settlement Contracts, Period Expense	$ 5
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years
Share-based compensation arrangement by Share-based payment Award, Options, Award Expiration Period	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	1
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	475,396	418,921	448,975
Share-based compensation arrangement by Share-based payment Award, Options, Exercised Forfeited Or Expired Number	1,252,548
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	192,585
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$ 247
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition	2 years
Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred compensation arrangement, option to elect to defer fees and bonuses, percentage	100.00%
Executive Management [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred compensation arrangement, option to elect to defer fees and bonuses, percentage	100.00%
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	471,551
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	174,700
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$ 582
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition	2 years 7 months 6 days

Employee Benefit Plans (Transac

Employee Benefit Plans (Transactions Under the Company's Stock Option Plans) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Employee Benefit Plans [Abstract]
Options Outstanding, beginning shares	418,921	448,975
Options granted, shares	57,000	46,000
Options exercised, shares	(525)	(36,950)
Options forfeited, shares		(9,119)
Options expired, shares		(29,985)
Options Outstanding, ending shares	475,396	418,921	448,975
Options Exercisable: Shares Exercisable	375,233
Weighted Average exercise Price: Options Outstanding, beginning	$ 6.76	$ 6.70
Weighted Average Exercise Price: Options granted	9.56	8.16
Weighted Average Exercise Price: Options exercised	7.31	4.33
Weighted Average Exercise Price: Options forfeited		9.73
Weighted Average Exercise Price: Options expired		10.16
Weighted Average exercise Price: Options Outstanding, ending	7.09	$ 6.76	$ 6.70
Weighted Average Exercise Price: Options Exercisable	$ 6.65
Weighted Average Remaining Contractual Life (in years): Options Outstanding	5 years 1 month 6 days	5 years 6 months	5 years 7 months 6 days
Weighted Average Remaining Contractual Life (in years): Options Exercisable	4 years 1 month 6 days
Aggregate Intrinsic Value: Options Outstanding	$ 2,562,175	$ 1,257,968	$ 739,951
Aggregate Intrinsic Value: Options Exercisable	$ 2,190,220

Employee Benefit Plans (Fair Va

Employee Benefit Plans (Fair Value Assumptions) (Details) - $ / shares		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross		57,000	46,000
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price		$ 9.56	$ 8.16
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross		57,000	46,000
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price		$ 9.56	$ 8.16
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value		$ 3.61	$ 3.21
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term	[1]	6 years 8 months 9 days	5 years 6 months 15 days
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	[2]	42.20%	45.32%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	[3]	1.89%	1.57%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate	[4]	1.39%	1.01%
[1]	For the years ended December 31, 20152014Number of options granted 57,000 46,000Weighted average exercise price$ 9.56$ 8.16Weighted average fair value of options$ 3.61$ 3.21Expected life in years (1) 6.69 5.54Expected volatility (2) 42.20% 45.32%Risk-free interest rate (3) 1.89% 1.57%Dividend yield (4) 1.39% 1.01%The expected life of the options was estimated based on historical employee behavior and represents the period of time that options granted are expected to be outstanding.
[2]	The expected volatility of the Company's stock price was based on the historical volatility over the period commensurate with the expected life of the options.
[3]	The risk-free interest rate is the U.S Treasury rate commensurate with the expected life of the options on the date of grant.
[4]	The expected dividend yield is the projected annual yield based on the grant date stock price.

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Information About Options Exercised) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Employee Benefit Plans [Abstract]
Number of options exercised	525	36,950
Total intrinsic value of options exercised	$ 1,302	$ 157,406
Cash received from options exercised		70,405
Tax deduction realized from options exercised	$ 520	$ 62,868

Employee Benefit Plans (Sched99

Employee Benefit Plans (Schedule of Stock Options, by Exercise Price Range) (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Options Outstanding: Shares Outstanding | shares	475,396
Options Outstanding: Weighted Average Remaining Contractual Life (in years)	5 years 1 month 6 days
Options Outstanding: Weighted Average Exercise Price	$ 7.09
Options Exercisable: Shares Exercisable | shares	375,233
Options Exercisable: Weighted Average Exercise Price	$ 6.65
Range Of Option Exercise Prices 0.00-4.00 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	0
Range of exercise prices, upper	$ 4
Options Outstanding: Shares Outstanding | shares	89,000
Options Outstanding: Weighted Average Remaining Contractual Life (in years)	3 years 2 months 12 days
Options Outstanding: Weighted Average Exercise Price	$ 3.85
Options Exercisable: Shares Exercisable | shares	89,000
Options Exercisable: Weighted Average Exercise Price	$ 3.85
Range Of Option Exercise Prices 4.01-8.00 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	4.01
Range of exercise prices, upper	$ 8
Options Outstanding: Shares Outstanding | shares	281,950
Options Outstanding: Weighted Average Remaining Contractual Life (in years)	5 years 4 months 24 days
Options Outstanding: Weighted Average Exercise Price	$ 6.73
Options Exercisable: Shares Exercisable | shares	242,120
Options Exercisable: Weighted Average Exercise Price	$ 6.61
Range Of Option Exercise Prices 8.01-12.00 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	8.01
Range of exercise prices, upper	$ 12
Options Outstanding: Shares Outstanding | shares	62,551
Options Outstanding: Weighted Average Remaining Contractual Life (in years)	9 years 3 months 18 days
Options Outstanding: Weighted Average Exercise Price	$ 9.63
Options Exercisable: Shares Exercisable | shares	2,218
Options Exercisable: Weighted Average Exercise Price	$ 10.53
Range Of Option Exercise Prices 12.01-16.00 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	12.01
Range of exercise prices, upper	$ 16
Options Outstanding: Shares Outstanding | shares	41,895
Options Outstanding: Weighted Average Remaining Contractual Life (in years)	1 year 1 month 6 days
Options Outstanding: Weighted Average Exercise Price	$ 12.62
Options Exercisable: Shares Exercisable | shares	41,895
Options Exercisable: Weighted Average Exercise Price	$ 12.62

Employee Benefit Plans (Allocat

Employee Benefit Plans (Allocation of Share-based Compensation Costs) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 302,425	$ 245,428
Income tax benefit	120,788	98,024
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	147,905	152,349
Income tax benefit	$ 59,073	$ 60,848

Employee Benefit Plans (Tran101

Employee Benefit Plans (Transactions Under the Restricted Stock Plan) (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Nonvested restricted stock: shares	77,750
Granted: shares	41,800	17,500
Vested: shares	(36,750)
Forfeited: shares	(2,000)
Nonvested restricted stock: shares	80,800	77,750
Nonvested restricted stock: Average Grant Date Fair Value	$ 7.24
Granted: Average Grant Date Fair Value	9.45	$ 8.88
Vested: Average Grant Date Fair Value	6.88
Forfeited: Average Grant Date Fair Value	9.81
Nonvested restricted stock: Average Grant Date Fair Value	$ 8.50	$ 7.24

Employee Benefit Plans (Restric

Employee Benefit Plans (Restricted Stock Awards Activity) (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	41,800	17,500
Average grant date fair value	$ 9.45	$ 8.88

Employee Benefit Plans (Summary

Employee Benefit Plans (Summary of Components of Net Periodic Pension Cost of Defined Benefit Plan Recognized) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Employee Benefit Plans [Abstract]
Service cost	$ 59
Interest cost	34
Amortization of prior service cost	83
Net periodic benefit cost	$ 176

Employee Benefit Plans (Summ104

Employee Benefit Plans (Summary of Changes in Benefit Obligations of Defined Benefit Plan Recognized) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Employee Benefit Plans [Abstract]
Initial recognition of prior service cost	$ 830
Service cost	59
Interest cost	34
Benefit obligation, end of year	$ 923

Fair Value (Fair Value on a Rec

Fair Value (Fair Value on a Recurring Basis) (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of Portfolio in Residential Mortgage Backed Securities	50.00%
Residential mortgage backed securities guaranteed by Government National Mortgage Association or Federal National Mortgage Association or Federal Home Loan Mortgage Corporation	$ 25,600
Available-for-sale Securities	52,865	$ 60,073
Residential Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 26,439	$ 34,383

Fair Value (Fair Value on a Non

Fair Value (Fair Value on a Nonrecurring Basis) (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired financing receivable, related allowance	$ 842,000	$ 1,161,000
Decrease in valuation allowance for impaired loans	(319,000)
Letters of Credit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Standby letter of credit	$ 1,800,000	$ 1,500,000
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	6.00%
Value for real estate appraisal for OREO or substance foreclosure	$ 100,000
Minimum [Member] | Market Approach Valuation Technique [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	10.00%
Minimum [Member] | Third Party Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	8.00%
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	10.00%
Maximum [Member] | Market Approach Valuation Technique [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	15.00%
Maximum [Member] | Third Party Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value inputs, discount rate	10.00%

Fair Value (Fair Value on a 107

Fair Value (Fair Value on a Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 52,865	$ 60,073
US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	6,581	4,618
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	10,782	11,132
Residential Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	26,439	34,383
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	9,063	9,940
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	52,865	60,073
Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	6,581	4,618
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	10,782	11,132
Fair Value, Inputs, Level 2 [Member] | Residential Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	26,439	34,383
Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 9,063	$ 9,940

Fair Value (Fair Value on a 108

Fair Value (Fair Value on a Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	$ 1,591	$ 1,162
Impaired collateral-dependent loans	6,331	10,996
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	1,591	1,162
Impaired collateral-dependent loans	$ 6,331	$ 10,996

Fair Value (Fair Value of Finan

Fair Value (Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities, fair value		$ 18,607	$ 20,281
Servicing assets		1,389	753	$ 437
Accrued interest receivable		3,884	3,518
Accrued interest payable		461	474
Impaired Financing Receivable, Recorded Investment		7,173	12,157
Impaired collateral-dependent loans		6,331	10,996
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired collateral-dependent loans		6,331	10,996
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents		88,157	129,821
Held to maturity securities, fair value	[1]	71,336	80,082
SBA Loans Held for Sale		13,114	5,179
Loans, Net of Allowance for Loan Losses	[2]	863,085	744,095
FHLB stock		4,600	6,032
Servicing assets		1,389	753
Accrued interest receivable		3,884	3,518
OREO		1,591	1,162
Deposits		894,493	794,341
Borrowed Funds and Subordinated Debentures		107,465	140,465
Accrued interest payable		461	474
Estimate of Fair Value, Fair Value Disclosure [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents		88,157	129,821
Held to maturity securities, fair value	[1]	71,472	80,354
SBA Loans Held for Sale		14,324	5,655
Loans, Net of Allowance for Loan Losses	[2]	864,691	748,093
FHLB stock		4,600	6,032
Servicing assets		1,389	753
Accrued interest receivable		3,884	3,518
OREO		1,591	1,162
Deposits		893,651	794,436
Borrowed Funds and Subordinated Debentures		109,549	145,333
Accrued interest payable		461	474
Impaired Financing Receivable, Recorded Investment		6,300	11,000
Commercial Mortgage Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities, fair value		3,840	3,965
Commercial Mortgage Backed Securities [Member] | Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities, fair value		3,900	4,000
Commercial Mortgage Backed Securities [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities, fair value		$ 3,800	$ 4,000
[1]	Includes held to maturity commercial mortgage-backed securities that are considered Level 3. These securities had book values of $3.9 million and $4.0 million at December 31, 2015 and 2014, respectively, and market values of $3.8 million and $4.0 million at December 31, 2015 and 2014, respectively.
[2]	Includes impaired loans that are considered Level 3 and reported separately in the tables under the "Fair Value on a Nonrecurring Basis" heading. Collateral-dependent impaired loans, net of specific reserves totaled $6.3 million and $11.0 million at December 31, 2015 and 2014, respectively.

Condensed Financial Statemen110

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	$ 88,157	$ 129,821	$ 99,404
Securities available for sale	52,865	60,073
Other assets	3,063	3,291
Total assets	1,084,866	1,008,788
Other liabilities	3,977	3,385
Subordinated debentures	15,465	15,465
Shareholders' equity	78,470	70,123	$ 57,173
Total liabilities and shareholders' equity	1,084,866	1,008,788
Parent Company Only [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	466	198
Securities available for sale	216	198
Capital note due from Bank	8,500	8,500
Investment in subsidiaries	84,336	76,323
Other assets	448	446
Total assets	93,966	85,665
Other liabilities	31	77
Subordinated debentures	15,465	15,465
Shareholders' equity	78,470	70,123
Total liabilities and shareholders' equity	$ 93,966	$ 85,665

Condensed Financial Statemen111

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) (Condensed Statements of Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Condensed Financial Statements, Captions [Line Items]
Total interest income	$ 10,995	$ 10,554	$ 10,218	$ 9,884	$ 9,802	$ 9,491	$ 9,102	$ 9,023	$ 41,651	$ 37,418
Total interest expense	2,015	1,932	1,849	1,864	1,914	1,859	1,797	1,736	7,660	7,306
Net interest income	8,980	8,622	8,369	8,020	7,888	7,632	7,305	7,287	33,991	30,112
Other expenses									2,156	1,801
Provision for income taxes	1,315	1,294	1,182	1,020	952	808	723	662
Net income	$ 2,639	$ 2,551	$ 2,428	$ 1,939	$ 1,701	$ 1,886	$ 1,528	$ 1,293	9,557	6,408
Parent Company Only [Member]
Condensed Financial Statements, Captions [Line Items]
Total interest income									1,893	983
Total interest expense									289	281
Net interest income									1,604	702
Other expenses									20	32
Income before provision for income taxes and equity in undistributed net income of subsidiary									1,584	670
Provision for income taxes									159	209
Income before provision for income taxes and equity in undistributed net income of subsidiary									1,425	461
Equity in undistributed net income of subsidiary									8,132	5,947
Net income									$ 9,557	$ 6,408

Condensed Financial Statemen112

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) (Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Condensed Financial Statements, Captions [Line Items]
Net income	$ 2,639	$ 2,551	$ 2,428	$ 1,939	$ 1,701	$ 1,886	$ 1,528	$ 1,293	$ 9,557	$ 6,408
Net cash provided by operating activities									2,982	11,717
Purchases of securities available for sale									(2,255)	(9,947)
Proceeds from sale of securities available for sale									528	22,129
Net cash used in investing activities									(110,689)	(60,399)
Proceeds from exercise of stock options										70
Proceeds from rights offering										6,143
Dividends on common stock									(1,109)	(757)
Net cash provided used in financing activities									66,043	79,099
Increase (decrease) in cash and cash equivalents									(41,664)	30,417
Interest paid									7,673	7,285
Parent Company Only [Member]
Condensed Financial Statements, Captions [Line Items]
Net income									9,557	6,408
Equity in undistributed net income of subsidiary									(8,132)	(5,947)
Net change in other assets and other liabilities									(54)	53
Net cash provided by operating activities									1,371	514
Proceeds from exercise of stock options										70
Proceeds from rights offering										6,143
Investment in Bank										(6,500)
Dividends on common stock									(1,103)	(753)
Net cash provided used in financing activities									(1,103)	(1,040)
Increase (decrease) in cash and cash equivalents									268	(526)
Cash and cash equivalents, beginning of period				$ 198				$ 724	198	724
Cash and cash equivalents, end of period	$ 466				$ 198				466	198
Interest paid									$ 287	$ 281

Quarterly Financial Informat113

Quarterly Financial Information (Schedule of Quarterly Financial Information) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Total interest income	$ 10,995	$ 10,554	$ 10,218	$ 9,884	$ 9,802	$ 9,491	$ 9,102	$ 9,023	$ 41,651	$ 37,418
Total interest expense	2,015	1,932	1,849	1,864	1,914	1,859	1,797	1,736	7,660	7,306
Net interest income	8,980	8,622	8,369	8,020	7,888	7,632	7,305	7,287	33,991	30,112
Provision for loan losses	100	200		200	850	550	550	600	500	2,550
Net interest income after provision for loan losses	8,880	8,422	8,369	7,820	7,038	7,082	6,755	6,687	33,491	27,562
Total noninterest income	1,920	2,275	1,893	1,641	1,660	1,853	1,640	1,526	7,729	6,679
Total noninterest expense	6,846	6,852	6,652	6,502	6,045	6,241	6,144	6,258	26,852	24,688
Income before provision for income taxes	3,954	3,845	3,610	2,959	2,653	2,694	2,251	1,955	14,368	9,553
Provision for income taxes	1,315	1,294	1,182	1,020	952	808	723	662
Net income	$ 2,639	$ 2,551	$ 2,428	$ 1,939	$ 1,701	$ 1,886	$ 1,528	$ 1,293	$ 9,557	$ 6,408
Net income per common share - Basic	$ 0.31	$ 0.30	$ 0.29	$ 0.23	$ 0.21	$ 0.24	$ 0.20	$ 0.17	$ 1.13	$ 0.82
Net income per common share - Diluted	$ 0.31	$ 0.30	$ 0.28	$ 0.23	$ 0.20	$ 0.24	$ 0.20	$ 0.17	$ 1.12	$ 0.81
Parent Company Only [Member]
Total interest income									$ 1,893	$ 983
Total interest expense									289	281
Net interest income									1,604	702
Provision for income taxes									159	209
Net income									$ 9,557	$ 6,408