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Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Loans and Allowance for Credit Losses [Abstract]

Portfolio Loans

Loans are comprised of the following at December 31:

		2024				2023
Residential real estate		$	373,534			$	319,504
Commercial real estate:
Owner-occupied			86,471				82,356
Nonowner-occupied			206,847				178,201
Construction			79,669				62,337
Commercial and industrial			158,440				157,298
Consumer:
Automobile			50,246				61,461
Home equity			42,473				35,893
Other			64,145				74,850
			1,061,825				971,900
Less: Allowance for credit losses			(10,088	)			(8,767	)
Loans, net		$	1,051,737			$	963,133

Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans

The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of December 31, 2024 and 2023:

December 31, 2024		Loans Past Due 90 Days And Still Accruing				Nonaccrual Loans With No ACL				Nonaccrual Loans With an ACL				Total Nonaccrual Loans
Residential real estate		$	49			$	—			$	1,931			$	1,931
Commercial real estate:
Owner-occupied			—				680				136				816
Nonowner-occupied			—				—				158				158
Construction			—				—				—				—
Commercial and industrial			—				962				90				1,052
Consumer:
Automobile			39				—				379				379
Home equity			—				26				338				364
Other			28				—				117				117
Total		$	116			$	1,668			$	3,149			$	4,817

December 31, 2023		Loans Past Due 90 Days And Still Accruing				Nonaccrual Loans With No ACL				Nonaccrual Loans With an ACL				Total Nonaccrual Loans
Residential real estate		$	9			$	—			$	1,234			$	1,234
Commercial real estate:
Owner-occupied			—				775				—				775
Nonowner-occupied			—				—				61				61
Construction			—				—				1				1
Commercial and industrial			—				—				48				48
Consumer:
Automobile			56				—				78				78
Home equity			—				—				95				95
Other			54				—				100				100
Total		$	119			$	775			$	1,617			$	2,392

Aging of Recorded Investment in Past Due Loans by Class of Loans

The following table presents the aging of the recorded investment of past due loans by class of loans as of December 31, 2024 and 2023:

December 31, 2024		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	3,294			$	1,097			$	984			$	5,375			$	368,159			$	373,534
Commercial real estate:
Owner-occupied			773				—				816				1,589				84,882				86,471
Nonowner-occupied			2,294				—				—				2,294				204,553				206,847
Construction			—				—				—				—				79,669				79,669
Commercial and industrial			533				58				745				1,336				157,104				158,440
Consumer:
Automobile			791				414				349				1,554				48,692				50,246
Home equity			402				141				243				786				41,687				42,473
Other			716				260				98				1,074				63,071				64,145
Total		$	8,803			$	1,970			$	3,235			$	14,008			$	1,047,817			$	1,061,825

December 31, 2023		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	2,705			$	368			$	481			$	3,554			$	315,950			$	319,504
Commercial real estate:
Owner-occupied			2,580				—				775				3,355				79,001				82,356
Nonowner-occupied			681				—				—				681				177,520				178,201
Construction			—				—				—				—				62,337				62,337
Commercial and industrial			3,338				—				48				3,386				153,912				157,298
Consumer:
Automobile			782				210				117				1,109				60,352				61,461
Home equity			353				62				95				510				35,383				35,893
Other			658				121				148				927				73,923				74,850
Total		$	11,097			$	761			$	1,664			$	13,522			$	958,378			$	971,900

Risk Category Loans by Class of Loans

As of December 31, 2024 and 2023, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows:

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial real estate:
Owner-occupied
Risk Rating
Pass		$	13,762			$	17,199			$	7,441			$	10,094			$	4,787			$	16,336			$	583			$	70,202
Special Mention			—				—				—				12,896				—				1,415				299				14,610
Substandard			79				—				—				—				136				844				600				1,659
Doubtful			—				—				—				—				—				—				—				—
Total		$	13,841			$	17,199			$	7,441			$	22,990			$	4,923			$	18,595			$	1,482			$	86,471
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial real estate:
Nonowner-occupied
Risk Rating
Pass		$	35,216			$	11,377			$	30,773			$	31,465			$	19,351			$	66,312			$	6,172			$	200,666
Special Mention			—				1,636				—				—				—				—				—				1,636
Substandard			220				—				996				—				3,329				—				—				4,545
Doubtful			—				—				—				—				—				—				—				—
Total		$	35,436			$	13,013			$	31,769			$	31,465			$	22,680			$	66,312			$	6,172			$	206,847
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial real estate:
Construction
Risk Rating
Pass		$	13,865			$	33,162			$	27,678			$	1,111			$	266			$	2,647			$	93			$	78,822
Special Mention			—				—				—				—				—				38				—				38
Substandard			—				638				—				—				—				171				—				809
Doubtful			—				—				—				—				—				—				—				—
Total		$	13,865			$	33,800			$	27,678			$	1,111			$	266			$	2,856			$	93			$	79,669
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial and Industrial:
Risk Rating
Pass		$	17,260			$	7,875			$	24,843			$	25,894			$	20,648			$	25,593			$	21,785			$	143,898
Special Mention			446				—				—				—				—				178				6,476				7,100
Substandard			2,039				226				60				480				205				—				4,432				7,442
Doubtful			—				—				—				—				—				—				—				—
Total		$	19,745			$	8,101			$	24,903			$	26,374			$	20,853			$	25,771			$	32,693			$	158,440
Current Period gross charge-offs		$	219			$	—			$	—			$	1			$	—			$	—			$	1			$	221

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial real estate:
Owner-occupied
Risk Rating
Pass		$	18,120			$	7,911			$	10,679			$	5,973			$	6,125			$	15,925			$	459			$	65,192
Special Mention			—				—				—				—				—				427				—				427
Substandard			—				—				13,934				—				498				2,005				300				16,737
Doubtful			—				—				—				—				—				—				—				—
Total		$	18,120			$	7,911			$	24,613			$	5,973			$	6,623			$	18,357			$	759			$	82,356
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial real estate:
Nonowner occupied
Risk Rating
Pass		$	12,688			$	29,344			$	32,235			$	20,484			$	15,415			$	61,809			$	1,128			$	173,103
Special Mention			—				—				768				3,226				—				1,034				—				5,028
Substandard			—				—				70				—				—				—				—				70
Doubtful			—				—				—				—				—				—				—				—
Total		$	12,688			$	29,344			$	33,073			$	23,710			$	15,415			$	62,843			$	1,128			$	178,201
Current Period gross charge-offs		$	—			$	—			$	132			$	—			$	—			$	—			$	—			$	132

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial real estate:
Construction
Risk Rating
Pass		$	28,055			$	29,174			$	1,231			$	302			$	392			$	2,937			$	—			$	62,091
Special Mention			—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				246				—				246
Doubtful			—				—				—				—				—				—				—				—
Total		$	28,055			$	29,174			$	1,231			$	302			$	392			$	3,183			$	—			$	62,337
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Commercial and Industrial
Risk Rating
Pass		$	8,770			$	30,885			$	26,806			$	31,247			$	344			$	27,632			$	27,510			$	153,194
Special Mention			140				—				—				—				—				8				66				214
Substandard			—				—				58				1,363				4				182				2,283				3,890
Doubtful			—				—				—				—				—				—				—				—
Total		$	8,910			$	30,885			$	26,864			$	32,610			$	348			$	27,822			$	29,859			$	157,298
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	29			$	29

Recorded Investment of Residential and Consumer Loans

The Company considers the performance of the loan portfolio and its impact on the ACL.  For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of December 31, 2024 and 2023:

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Residential Real Estate:
Payment Performance
Performing		$	57,385			$	57,546			$	40,026			$	46,067			$	38,969			$	98,084			$	33,477			$	371,554
Nonperforming			—				234				435				83				54				1,174				—				1,980
Total		$	57,385			$	57,780			$	40,461			$	46,150			$	39,023			$	99,258			$	33,477			$	373,534
Current Period gross charge-offs		$	—			$	—			$	15			$	—			$	—			$	27			$	—			$	42

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Consumer:
Automobile
Payment Performance
Performing		$	13,643			$	18,133			$	12,693			$	3,686			$	1,268			$	405			$	—			$	49,828
Nonperforming			145				162				77				12				5				17				—				418
Total		$	13,788			$	18,295			$	12,770			$	3,698			$	1,273			$	422			$	—			$	50,246
Current Period gross charge-offs		$	91			$	364			$	232			$	34			$	22			$	7			$	—			$	750

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Consumer:
Home Equity:
Payment Performance
Performing		$	317			$	—			$	61			$	152			$	—			$	—			$	41,579			$	42,109
Nonperforming			—				—				—				—				—				—				364				364
Total		$	317			$	—			$	61			$	152			$	—			$	—			$	41,943			$	42,473
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Total
Consumer:
Other
Payment Performance
Performing		$	13,110			$	18,442			$	8,768			$	6,580			$	2,367			$	973			$	13,760			$	64,000
Nonperforming			3				50				14				46				25				7				—				145
Total		$	13,113			$	18,492			$	8,782			$	6,626			$	2,392			$	980			$	13,760			$	64,145
Current Period gross charge-offs		$	443			$	192			$	156			$	107			$	52			$	29			$	495			$	1,474

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Residential Real Estate:
Payment Performance
Performing		$	50,484			$	44,640			$	50,949			$	44,818			$	21,854			$	91,956			$	13,560			$	318,261
Nonperforming			—				—				—				—				182				1,061				—				1,243
Total		$	50,484			$	44,640			$	50,949			$	44,818			$	22,036			$	93,017			$	13,560			$	319,504
Current Period gross charge-offs		$	—			$	—			$	3			$	—			$	—			$	118			$	—			$	121

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Consumer:
Automobile
Payment Performance
Performing		$	28,939			$	20,376			$	7,013			$	3,028			$	1,212			$	759			$	—			$	61,327
Nonperforming			34				60				15				1				9				15				—				134
Total		$	28,973			$	20,436			$	7,028			$	3,029			$	1,221			$	774			$	—			$	61,461
Current Period gross charge-offs		$	51			$	163			$	116			$	6			$	29			$	3			$	—			$	368

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Consumer:
Home Equity
Payment Performance
Performing		$	1,649			$	79			$	—			$	—			$	—			$	—			$	34,070			$	35,798
Nonperforming			—				—				—				—				—				—				95				95
Total		$	1,649			$	79			$	—			$	—			$	—			$	—			$	34,165			$	35,893
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	87			$	87

		Term Loans Amortized Cost Basis by Origination Year
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving Loans Amortized Cost Basis				Total
Consumer:
Other
Payment Performance
Performing		$	18,377			$	24,904			$	10,800			$	4,482			$	1,093			$	953			$	14,087			$	74,696
Nonperforming			11				17				67				53				1				4				1				154
Total		$	18,388			$	24,921			$	10,867			$	4,535			$	1,094			$	957			$	14,088			$	74,850
Current Period gross charge-offs		$	306			$	119			$	119			$	84			$	28			$	53			$	246			$	955

Activity in Allowance for Credit Losses by Portfolio Segment

The following table presents the activity in the ACL by portfolio segment for the years ended December 31, 2024 and 2023:

December 31, 2024		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for credit losses:
Beginning balance		$	2,213			$	3,047			$	1,275			$	2,232			$	8,767
Provision for credit losses			446				567				(3	)			1,570				2,580
Loans charged off			(42	)			—				(221	)			(2,224	)			(2,487	)
Recoveries			67				39				485				637				1,228
Total ending allowance balance		$	2,684			$	3,653			$	1,536			$	2,215			$	10,088

December 31, 2023		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for credit losses:
Beginning balance		$	2,026			$	2,200			$	1,177			$	2,028			$	7,431
Provision for credit losses			251				824				(85	)			1,040				2,030
Loans charged off			(121	)			(132	)			(29	)			(1,410	)			(1,692	)
Recoveries			57				155				212				574				998
Total ending allowance balance		$	2,213			$	3,047			$	1,275			$	2,232			$	8,767

Amortized Cost of Collateral Dependent Loans, by Class

The following table presents the amortized cost basis of collateral dependent loans by class of loans as of December 31, 2024 and 2023:

		Collateral Type
December 31, 2024		Real Estate				Business Assets				Total
Residential real estate		$	569			$	—			$	569
Commercial real estate:
Owner-occupied			804				140				944
Non-Owner-occupied			110				—				110
Construction			637				—				637
Commercial & Industrial			285				3,044				3,329
Consumer:
Automobile			—				38				38
Home equity			50				26				76
Other			—				81				81
Total collateral dependent loans		$	2,455			$	3,329			$	5,784

		Collateral Type
December 31, 2023		Real Estate				Business Assets				Total
Residential real estate		$	1,663			$	—			$	1,663
Commercial real estate:
Owner-occupied			700				258				958
Consumer:
Home equity			27				—				27
Total collateral dependent loans		$	2,390			$	258			$	2,648

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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.

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Tabular disclosure of aging analysis for financing receivable.

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