XML 58 R46.htm IDEA: XBRL DOCUMENT v3.25.1

Allowance for Credit Losses on Loans (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Changes in Allowance for Credit Losses

Changes in the allowance for credit losses for the years ended December 31, 2024 and 2023 were as follows:

		December 31,
		2024				2023
		(in thousands)
Balance, beginning		$	14,493			$	11,218
Cumulative effect adjustment for adoption of ASC 326			—				2,077
Provision charged to operating expense			2,525				1,641
Recoveries added to the allowance			853				298
Credit losses charged to the allowance			(2,844	)			(741	)
Balance, ending		$	15,027			$	14,493

Nonaccrual And Past Due Loans By Class

Past due and nonaccrual loans by class at December 31, 2024 were as follows:

		December 31, 2024
		(in thousands)
		30 - 59 Days Past Due				60 - 89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans				90 or More Days Past Due Still Accruing
Mortgage real estate loans:
Construction & Secured by Farmland		$	—			$	—			$	—			$	—			$	95,200			$	95,200			$	—
HELOCs			21				—				—				21				50,625				50,646				—
Residential First Lien - Investor			—				98				—				98				105,812				105,910				—
Residential First Lien - Owner Occupied			—				28				247				275				193,790				194,065				—
Residential Junior Liens			13				—				—				13				11,171				11,184				—
Commercial - Owner Occupied			2,212				—				—				2,212				270,024				272,236				—
Commercial - Non-Owner Occupied & Multifamily			—				—				—				—				367,680				367,680				—
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				28				28				—
Other commercial and industrial loans			922				84				80				1,086				109,229				110,315				—
Marine loans			—				—				—				—				210,095				210,095				—
Consumer loans			673				6				138				817				30,200				31,017				—
Overdrafts			—				—				—				—				309				309				—
Other loans			—				—				—				—				11,911				11,911				—
Total		$	3,841			$	216			$	465			$	4,522			$	1,456,074			$	1,460,596			$	—

		December 31, 2024
		(in thousands)
		Nonaccruals with No Allowance for Credit Losses				Nonaccruals with an Allowance for Credit Losses				Nonaccrual Loans
Mortgage real estate loans:
Construction & Secured by Farmland		$	—			$	—			$	—
HELOCs			—				—				—
Residential First Lien - Investor			—				—				—
Residential First Lien - Owner Occupied			347				—				347
Residential Junior Liens			—				—				—
Commercial - Owner Occupied			739				—				739
Commercial - Non-Owner Occupied & Multifamily			—				—				—
Commercial and industrial loans:
SBA PPP loans			—				—				—
Other commercial and industrial loans			—				903				903
Marine loans			—				—				—
Consumer loans			83				—				83
Overdrafts			—				—				—
Other loans			—				—				—
Total		$	1,169			$	903			$	2,072

Past due and nonaccrual loans by class at December 31, 2023 were as follows:

		December 31, 2023
		(in thousands)
		30 - 59 Days Past Due				60 - 89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans				90 or More Past Due Still Accruing
Mortgage real estate loans:
Construction & Secured by Farmland		$	—			$	—			$	—			$	—			$	84,145			$	84,145			$	—
HELOCs			—				—				—				—				47,674				47,674				—
Residential First Lien - Investor			844				253				—				1,097				116,334				117,431				—
Residential First Lien - Owner Occupied			—				78				149				227				177,953				178,180				—
Residential Junior Liens			—				—				9				9				12,822				12,831				—
Commercial - Owner Occupied			—				—				—				—				251,456				251,456				—
Commercial - Non-Owner Occupied & Multifamily			—				—				—				—				348,879				348,879				—
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				51				51				—
Other commercial and industrial loans			9				—				26				35				107,742				107,777				14
Marine loans			—				—				552				552				250,616				251,168				—
Consumer loans			173				—				167				340				42,079				42,419				167
Overdrafts			—				—				—				—				253				253				—
Other loans			—				—				—				—				12,895				12,895				—
Total		$	1,026			$	331			$	903			$	2,260			$	1,452,899			$	1,455,159			$	181

		December 31, 2023
		(in thousands)
		Nonaccruals with No Allowance for Credit Losses				Nonaccruals with an Allowance for Credit Losses				Nonaccrual Loans
Mortgage real estate loans:
Construction & Secured by Farmland		$	95			$	—			$	95
HELOCs			15				—				15
Residential First Lien - Investor			1,085				—				1,085
Residential First Lien - Owner Occupied			228				—				228
Residential Junior Liens			11				—				11
Commercial - Owner Occupied			22				—				22
Commercial - Non-Owner Occupied & Multifamily			3,625				—				3,625
Commercial and industrial loans:
SBA PPP loans			—				—				—
Other commercial and industrial loans			12				—				12
Marine loans			552				—				552
Consumer loans			—				—				—
Overdrafts			—				—				—
Other loans			—				—				—
Total		$	5,645			$	—			$	5,645

Allowance For Loan Losses By Segment

Allowance for credit losses by segment as of and for the years ended December 31, 2024 and December 31, 2023 were as follows:

		December 31, 2024
		(in thousands)
		Construction and Farmland				Residential Real Estate				Commercial Real Estate & Multi Family				Commercial				Marine				Consumer				All Other Loans				Unallocated				Total
Allowance for credit losses:
Beginning Balance		$	772			$	4,725			$	6,224			$	1,027			$	1,153			$	198			$	394			$	—			$	14,493
Charge-Offs			(94	)			(277	)			(7	)			(238	)			(1,778	)			(309	)			(141	)			—				(2,844	)
Recoveries			102				347				162				67				—				150				25				—				853
Provision			1,607				(2,477	)			872				577				1,904				199				(157	)			—				2,525
Ending balance		$	2,387			$	2,318			$	7,251			$	1,433			$	1,279			$	238			$	121			$	—			$	15,027
Ending balance: Individually evaluated		$	—			$	—			$	—			$	248			$	—			$	—			$	—			$	—			$	248
Ending balance: collectively evaluated		$	2,387			$	2,318			$	7,251			$	1,185			$	1,279			$	238			$	121			$	—			$	14,779
Loans:
Ending balance		$	95,200			$	361,805			$	639,916			$	110,343			$	210,095			$	31,017			$	12,220			$	—			$	1,460,596
Ending balance individually evaluated		$	—			$	318			$	739			$	908			$	—			$	83			$	—			$	—			$	2,048
Ending balance collectively evaluated		$	95,200			$	361,487			$	639,177			$	109,435			$	210,095			$	30,934			$	12,220			$	—			$	1,458,548
		December 31, 2023
		(in thousands)
		Construction and Farmland				Residential Real Estate				Commercial Real Estate & Multi Family				Commercial				Marine				Consumer				All Other Loans				Unallocated				Total
Allowance for credit losses:
Beginning Balance		$	2,714			$	1,735			$	2,221			$	2,222			$	1,555			$	299			$	472			$	—			$	11,218
Cumulative effect adjustment for adoption of ASC 326		$	(1,840	)		$	1,933			$	3,584			$	(1,102	)		$	(285	)		$	(123	)		$	(90	)		$	—			$	2,077
Charge-Offs			—				—				—				(312	)			(126	)			(121	)			(182	)			—				(741	)
Recoveries			8				18				—				43				—				48				181				—				298
Provision			(110	)			1,039				419				176				9				95				13				—				1,641
Ending balance		$	772			$	4,725			$	6,224			$	1,027			$	1,153			$	198			$	394			$	—			$	14,493
Ending balance: Individually evaluated for impairment		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Ending balance: collectively evaluated for impairment		$	772			$	4,725			$	6,224			$	1,027			$	1,153			$	198			$	394			$	—			$	14,493
Loans:
Ending balance		$	84,145			$	356,116			$	600,335			$	107,828			$	251,168			$	42,419			$	13,148			$	—			$	1,455,159
Ending balance individually evaluated for impairment		$	95			$	1,288			$	3,639			$	—			$	552			$	—			$	—			$	—			$	5,574
Ending balance collectively evaluated for impairment		$	84,050			$	354,828			$	596,696			$	107,828			$	250,616			$	42,419			$	13,148			$	—			$	1,449,585

Schedule of amortized cost basis of collateral-dependent loans

The following table presents the amortized cost basis of collateral-dependent loans by loan portfolio segment:

		December 31, 2024												December 31, 2023
		(in thousands)												(in thousands)
(in thousands)		Real Estate Collateral				Other Collateral				Total				Real Estate Collateral				Other Collateral				Total
Mortgage real estate loans:
Construction & Secured by Farmland		$	—			$	—			$	—			$	95			$	—			$	95
HELOCs			—				—				—				—				—				—
Residential First Lien - Investor			—				—				—				1,086				—				1,086
Residential First Lien - Owner Occupied			318				—				318				194				—				194
Residential Junior Liens			—				—				—				8				—				8
Commercial - Owner Occupied			739				—				739				14				—				14
Commercial - Non-Owner Occupied & Multifamily			—				—				—				3,625				—				3,625
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				—				—
Other commercial and industrial loans			—				908				908				—				—				—
Marine loans			—				—				—				—				552				552
Consumer loans			83				—				83				—				—				—
Overdrafts			—				—				—				—				—				—
Other loans			—				—				—				—				—				—
Total		$	1,140			$	908			$	2,048			$	5,022			$	552			$	5,574

Credit Quality Information By Class

Credit quality information by class at December 31, 2024 was as follows:

December 31, 2024
		Term Loan Amortized Cost Basis by Origination Year
(in thousands)		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
Mortgage real estate loans:
Construction & Secured by Farmland
Pass		$	33,338			$	25,777			$	13,722			$	3,830			$	4,758			$	3,908			$	3,055			$	—			$	88,388
Special Mention			—				6,781				—				—				—				—				—				—				6,781
Classified			—				—				—				—				—				31				—				—				31
Total		$	33,338			$	32,558			$	13,722			$	3,830			$	4,758			$	3,939			$	3,055			$	—			$	95,200
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	94											$	94
HELOCs
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	50,454			$	—			$	50,454
Special Mention			—				—				—				—				—				—				192				—				192
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	50,646			$	—			$	50,646
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	14			$	—			$	14
Residential First Lien - Investor
Pass		$	7,567			$	15,074			$	18,816			$	27,722			$	10,729			$	21,201			$	—			$	559			$	101,668
Special Mention			—				696				370				1,053				—				295				—				—				2,414
Classified			—				—				—				—				—				—				—				1,828				1,828
Total		$	7,567			$	15,770			$	19,186			$	28,775			$	10,729			$	21,496			$	—			$	2,387			$	105,910
Current period gross charge-offs		$	—			$	—			$	—			$	150			$	—			$	—			$	—			$	—			$	150
Residential First Lien - Owner Occupied
Pass		$	25,982			$	57,230			$	33,257			$	22,387			$	33,514			$	19,438			$	—			$	387			$	192,195
Special Mention			45				623				—				—				—				592				—				—				1,260
Classified			—				—				—				—				—				610				—				—				610
Total		$	26,027			$	57,853			$	33,257			$	22,387			$	33,514			$	20,640			$	—			$	387			$	194,065
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	103			$	—			$	—			$	103
Residential Junior Liens
Pass		$	991			$	2,191			$	2,484			$	2,942			$	555			$	1,762			$	—			$	175			$	11,100
Special Mention			—				—				—				—				70				—				—				—				70
Classified			—				—				—				—				—				—				—				14				14
Total		$	991			$	2,191			$	2,484			$	2,942			$	625			$	1,762			$	—			$	189			$	11,184
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	10			$	—			$	—			$	10
Commercial - Owner Occupied
Pass		$	29,892			$	32,228			$	75,213			$	36,558			$	21,827			$	45,648			$	2,623			$	2,856			$	246,845
Special Mention			—				364				3,995				5,523				—				14,770				—				—				24,652
Classified			—				—				—				739				—				—				—				—				739
Total		$	29,892			$	32,592			$	79,208			$	42,820			$	21,827			$	60,418			$	2,623			$	2,856			$	272,236
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	7			$	—			$	—			$	7
Commercial - Non-Owner Occupied & Multifamily
Pass		$	28,275			$	43,596			$	106,921			$	55,945			$	65,561			$	44,949			$	5,397			$	5,834			$	356,478
Special Mention			—				—				1,384				7,584				1,446				788				—				—				11,202
Classified			—				—				—				—				—				—				—				—				—
Total		$	28,275			$	43,596			$	108,305			$	63,529			$	67,007			$	45,737			$	5,397			$	5,834			$	367,680
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and industrial loans:
SBA PPP loans
Pass		$	—			$	—			$	—			$	28			$	—			$	—			$	—			$	—			$	28
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	28			$	—			$	—			$	—			$	—			$	28

December 31, 2024
		Term Loan Amortized Cost Basis by Origination Year
(in thousands)		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Other commercial and industrial loans
Pass		$	28,978			$	8,605			$	17,187			$	4,512			$	3,324			$	3,614			$	37,618			$	2,064			$	105,902
Special Mention			411				1,095				—				1,915				—				3				—				86				3,510
Classified			—				903				—				—				—				—				—				—				903
Total		$	29,389			$	10,603			$	17,187			$	6,427			$	3,324			$	3,617			$	37,618			$	2,150			$	110,315
Current period gross charge-offs		$	—			$	32			$	8			$	—			$	63			$	—			$	135			$	—			$	238
Marine loans
Pass		$	—			$	68,970			$	110,481			$	30,011			$	633			$	—			$	—			$	—			$	210,095
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	68,970			$	110,481			$	30,011			$	633			$	—			$	—			$	—			$	210,095
Current period gross charge-offs		$	—			$	1,371			$	199			$	208			$	—			$	—			$	—			$	—			$	1,778
Consumer loans
Pass		$	2,700			$	1,987			$	10,787			$	5,274			$	7,221			$	1,117			$	1,834			$	13			$	30,933
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				84				—				—				—				—				84
Total		$	2,700			$	1,987			$	10,787			$	5,358			$	7,221			$	1,117			$	1,834			$	13			$	31,017
Current period gross charge-offs		$	—			$	13			$	4			$	47			$	167			$	—			$	78			$	—			$	309
Overdrafts
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Special Mention			—				—				—				—				—				—				—				—				—
Classified			309				—				—				—				—				—				—				—				309
Total		$	309			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	309
Current period gross charge-offs		$	141			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	141
Other loans
Pass		$	—			$	54			$	9,500			$	—			$	—			$	2,281			$	76			$	—			$	11,911
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	54			$	9,500			$	—			$	—			$	2,281			$	76			$	—			$	11,911
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total by Risk Category
Pass		$	157,723			$	255,712			$	398,368			$	189,209			$	148,122			$	143,918			$	101,057			$	11,888			$	1,405,997
Special Mention			456				9,559				5,749				16,075				1,516				16,448				192				86				50,081
Classified			309				903				—				823				—				641				—				1,842				4,518
Total		$	158,488			$	266,174			$	404,117			$	206,107			$	149,638			$	161,007			$	101,249			$	13,816			$	1,460,596
Total current period gross charge-offs		$	141			$	1,416			$	211			$	405			$	230			$	214			$	227			$	—			$	2,844

Credit quality information by class at December 31, 2023 was as follows:

December 31, 2023
		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
Mortgage real estate loans:
Construction & Secured by Farmland
Pass		$	34,617			$	21,460			$	7,584			$	4,851			$	2,389			$	2,829			$	7,052			$	57			$	80,839
Special Mention			—				1,173				—				—				1,040				815				—				—				3,028
Classified			—				—				—				145				—				133				—				—				278
Total		$	34,617			$	22,633			$	7,584			$	4,996			$	3,429			$	3,777			$	7,052			$	57			$	84,145
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
HELOCs
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	47,610			$	—			$	47,610
Special Mention			—				—				—				—				—				—				49				—				49
Classified			—				—				—				—				—				—				15				—				15
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	47,674			$	—			$	47,674
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Residential First Lien - Investor
Pass		$	19,394			$	23,205			$	31,371			$	10,667			$	4,054			$	22,265			$	—			$	367			$	111,323
Special Mention			—				1,273				—				1,180				626				1,944				—				—				5,023
Classified			—				—				1,085				—				—				—				—				—				1,085
Total		$	19,394			$	24,478			$	32,456			$	11,847			$	4,680			$	24,209			$	—			$	367			$	117,431
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Residential First Lien - Owner Occupied
Pass		$	59,007			$	33,793			$	23,749			$	35,783			$	3,932			$	20,413			$	—			$	589			$	177,266
Special Mention			—				—				—				—				—				258				—				—				258
Classified			—				—				—				—				—				656				—				—				656
Total		$	59,007			$	33,793			$	23,749			$	35,783			$	3,932			$	21,327			$	—			$	589			$	178,180
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Residential Junior Liens
Pass		$	2,562			$	2,902			$	3,429			$	1,486			$	606			$	1,613			$	—			$	189			$	12,787
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				27				—				17				44
Total		$	2,562			$	2,902			$	3,429			$	1,486			$	606			$	1,640			$	—			$	206			$	12,831
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial - Owner Occupied
Pass		$	36,736			$	68,868			$	40,707			$	22,871			$	13,971			$	50,059			$	3,088			$	4,364			$	240,664
Special Mention			—				3,817				64				2,145				1,877				1,402				—				—				9,305
Classified			—				—				967				498				—				8				—				14				1,487
Total		$	36,736			$	72,685			$	41,738			$	25,514			$	15,848			$	51,469			$	3,088			$	4,378			$	251,456
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial - Non-Owner Occupied & Multifamily
Pass		$	56,510			$	88,518			$	64,005			$	65,075			$	15,563			$	34,619			$	1,196			$	5,651			$	331,137
Special Mention			624				4,748				3,685				5,060				—				—				—				—				14,117
Classified			—				—				—				2,355				—				1,270				—				—				3,625
Total		$	57,134			$	93,266			$	67,690			$	72,490			$	15,563			$	35,889			$	1,196			$	5,651			$	348,879
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and industrial loans:
SBA PPP loans
Pass		$	—			$	—			$	51			$	—			$	—			$	—			$	—			$	—			$	51
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	51			$	—			$	—			$	—			$	—			$	—			$	51

December 31, 2023
		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Other commercial and industrial loans
Pass		$	15,052			$	26,798			$	8,659			$	4,824			$	2,629			$	3,898			$	43,188			$	1,005			$	106,053
Special Mention			1,125				—				—				13				1				9				220				344				1,712
Classified			—				—				—				3				—				—				9				—				12
Total		$	16,177			$	26,798			$	8,659			$	4,840			$	2,630			$	3,907			$	43,417			$	1,349			$	107,777
Current period gross charge-offs		$	231			$	81			$	—			$	—			$	—			$	—			$	—			$	—			$	312
Marine loans
Pass		$	86,001			$	128,456			$	35,492			$	667			$	—			$	—			$	—			$	—			$	250,616
Special Mention			—				—				—				—				—				—				—				—				—
Classified			367				185				—				—				—				—				—				—				552
Total		$	86,368			$	128,641			$	35,492			$	667			$	—			$	—			$	—			$	—			$	251,168
Current period gross charge-offs		$	—			$	126			$	—			$	—			$	—			$	—			$	—			$	—			$	126
Consumer loans
Pass		$	3,427			$	13,950			$	6,205			$	8,687			$	1,747			$	21			$	8,354			$	28			$	42,419
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	3,427			$	13,950			$	6,205			$	8,687			$	1,747			$	21			$	8,354			$	28			$	42,419
Current period gross charge-offs		$	—			$	3			$	—			$	66			$	—			$	—			$	52			$	—			$	121
Overdrafts
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Special Mention			—				—				—				—				—				—				—				—				—
Classified			253				—				—				—				—				—				—				—				253
Total		$	253			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	253
Current period gross charge-offs		$	182			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	182
Other loans
Pass		$	69			$	10,176			$	—			$	—			$	—			$	2,587			$	55			$	8			$	12,895
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	69			$	10,176			$	—			$	—			$	—			$	2,587			$	55			$	8			$	12,895
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total by Risk Category
Pass		$	313,375			$	418,126			$	221,252			$	154,911			$	44,891			$	138,304			$	110,543			$	12,258			$	1,413,660
Special Mention			1,749				11,011				3,749				8,398				3,544				4,428				269				344				33,492
Classified			620				185				2,052				3,001				—				2,094				24				31				8,007
Total		$	315,744			$	429,322			$	227,053			$	166,310			$	48,435			$	144,826			$	110,836			$	12,633			$	1,455,159
Total current period gross charge-offs		$	413			$	210			$	—			$	66			$	—			$	—			$	52			$	—			$	741

X

- Definition

Schedule of allowance for loan losses by segment [Table Text Block].

+ References

No definition available.

+ Details

Name:	efsi_ScheduleOfAllowanceForLoanLossesBySegmentTableTextBlock
Namespace Prefix:	efsi_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule Of Amortized Cost Basis Of Collateral Dependent Loans Text Block

+ References

No definition available.

+ Details

Name:	efsi_ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTextBlock
Namespace Prefix:	efsi_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 29
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-29

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration