XML 33 R23.htm IDEA: XBRL DOCUMENT
v3.25.2

Loans And Allowance For Credit Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2025
Loans And Allowance For Credit Losses [Abstract] |
Summary Of Loans, Net |
| As of |  | As of
| June 30, 2025 |  | December 31, 2024
Commercial | $ 70,510 |  | $ 66,418
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 153,526 |  | 140,443
Commercial Mortgages-Non-Owner Occupied | 202,147 |  | 195,089
Commercial Construction/Land | 10,678 |  | 23,883
Consumer: |  |  |
Consumer Open-End | 54,337 |  | 50,041
Consumer Closed-End | 26,280 |  | 28,269
Residential: |  |  |
Residential Mortgages | 108,875 |  | 113,303
Residential Consumer Construction/Land | 29,044 |  | 26,150
Total loans | $ 655,397 |  | $ 643,596
Less allowance for credit losses | 6,308 |  | 7,044
Net loans | $ 649,089 |  | $ 636,552
Amortized Cost Basis Of Collateral Dependent Loans |
Collateral Dependent Loans |  | June 30, 2025
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 3,961 |  | $ -
Commercial Real Estate |  | - |  | 7,137
Consumer |  | - |  | 575
Residential |  | - |  | 1,603
Total |  | $ 3,961 |  | $ 9,315
Collateral Dependent Loans |  | December 31, 2024
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 3,315 |  | $ -
Commercial Real Estate |  | - |  | 7,350
Consumer |  | - |  | 592
Residential |  | - |  | 1,369
Total |  | $ 3,315 |  | $ 9,311
Allowance For Credit Losses And Recorded Investment In Loans | The following tables present the activity in the allowance for credit losses for the three and six-month periods ended and the distribution of the allowance by segment as of June 30, 2025, and 2024.
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Three Months Ended June 30, 2025
|  |  | Commercial |  |  |  |  |  |
2025 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, March 31, 2025 | $ 532 |  | $ 3,915 |  | $ 837 |  | $ 1,737 |  | $ 7,021
Charge-Offs | - |  | - |  | (160) |  | - |  | (160)
Recoveries | 1 |  | - |  | 1 |  | - |  | 2
Provision for (recovery of) credit losses | 214 |  | (868) |  | 121 |  | (22) |  | (555)
Ending Balance, June 30, 2025 | $ 747 | - | $ 3,047 |  | $ 799 |  | $ 1,715 |  | $ 6,308
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Six Months Ended June 30, 2025
|  |  | Commercial |  |  |  |  |  |
2025 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2024 | 686 |  | 3,719 |  | 842 |  | 1,797 |  | 7,044
Charge-Offs | - |  | - |  | (212) |  | (9) |  | (221)
Recoveries | 5 |  | 1 |  | 7 |  | - |  | 13
Provision for (recovery of) credit losses | 56 |  | (673) |  | 162 |  | (73) |  | (528)
Ending Balance, June 30, 2025 | 747 |  | 3,047 |  | 799 |  | 1,715 |  | $ 6,308
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Three Months Ended June 30, 2024
|  |  | Commercial |  |  |  |  |  |
2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, March 31, 2024 | $ 644 |  | $ 3,642 |  | $ 884 |  | $ 1,750 |  | $ 6,920
Charge-Offs | - | - | - |  | (19) |  | - |  | (19)
Recoveries | 133 | - | 3 |  | 13 |  | - |  | 149
Provision for (recovery of) credit losses | (171) | - | 103 |  | 19 |  | (50) |  | (99)
Ending Balance, June 30, 2024 | $ 606 |  | $ 3,748 |  | $ 897 |  | $ 1,700 |  | $ 6,951
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Six Months Ended June 30, 2024
|  |  | Commercial |  |  |  |  |  |
2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2023 | $ 514 |  | $ 3,985 |  | $ 1,093 |  | $ 1,820 |  | $ 7,412
Charge-Offs | (8) |  | - |  | (76) |  | - |  | (84)
Recoveries | 198 |  | 4 |  | 20 |  | 1 |  | 223
Provision for (recovery of) | (98) |  | (241) |  | (140) |  | (121) |  | (600)
Ending Balance, June 30, 2024 | $ 606 |  | $ 3,748 |  | $ 897 |  | $ 1,700 |  | $ 6,951
Amortized Cost Basis By Origination Year |
| Term Loans Amortized Cost Basis by Origination Year |  |  |
| 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total
Commercial: |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 8,626 | $ 6,625 | $ 3,162 | $ 2,721 | $ 6,169 | $ 15,205 | $ 23,972 | $ 20 | $ 66,500
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | 900 | 11 | 38 | 543 | 2,371 | 147 | 4,010
Total | $ 8,626 | $ 6,625 | $ 4,062 | $ 2,732 | $ 6,207 | $ 15,748 | $ 26,343 | $ 167 | $ 70,510
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 8,504 | $ 25,908 | $ 7,541 | $ 22,021 | $ 44,716 | $ 38,612 | $ 1,382 | $ 150 | $ 148,834
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | 91 | - | 2,804 | 1,797 | - | - | 4,692
Total | $ 8,504 | $ 25,908 | $ 7,633 | $ 22,021 | $ 47,520 | $ 40,409 | $ 1,382 | $ 150 | $ 153,526
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 10,349 | $ 40,351 | $ 11,895 | $ 48,124 | $ 26,563 | $ 55,895 | $ 6,776 | $ - | $ 199,954
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | 937 | - | 1,255 | - | - | 2,192
Total | $ 10,349 | $ 40,351 | $ 11,895 | $ 49,061 | $ 26,563 | $ 57,151 | $ 6,776 | $ - | $ 202,147
Commercial Construction/Land |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 2,228 | $ 1,794 | $ 555 | $ 375 | $ 2,657 | $ 2,435 | $ 300 | $ - | $ 10,343
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | 335 | - | - | - | 335
Total | $ 2,228 | $ 1,794 | $ 555 | $ 375 | $ 2,992 | $ 2,435 | $ 300 | $ - | $ 10,678
Consumer: |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ - | $ - | $ - | $ - | $ - | $ - | $ 52,409 | $ 1,493 | $ 53,902
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | 435 | 435
Total | $ - | $ - | $ - | $ - | $ - | $ - | $ 52,409 | $ 1,928 | $ 54,337
Consumer - Closed-End |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 941 | $ 5,945 | $ 4,037 | $ 8,810 | $ 306 | $ 5,965 | $ - | $ - | $ 26,003
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | 35 | - | 112 | - | 129 | - | - | 276
Total | $ 941 | $ 5,980 | $ 4,037 | $ 8,922 | $ 306 | $ 6,094 | $ - | $ - | $ 26,280
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 5,700 | $ 17,851 | $ 20,311 | $ 20,361 | $ 7,800 | $ 34,758 | $ - | $ - | $ 106,781
Special Mention | - | - | - | - | - | 70 | - | - | 70
Substandard | - | - | - | 509 | - | 1,516 | - | - | 2,025
Total | $ 5,700 | $ 17,851 | $ 20,311 | $ 20,870 | $ 7,800 | $ 36,344 | $ - | $ - | $ 108,875
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 9,374 | $ 9,548 | $ 4,158 | $ 2,198 | $ 1,111 | $ 2,650 | $ 5 | $ - | $ 29,044
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | - | -
Total | $ 9,374 | $ 9,548 | $ 4,158 | $ 2,198 | $ 1,111 | $ 2,650 | $ 5 | $ - | $ 29,044
Totals: |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 45,722 | $ 108,021 | $ 51,660 | $ 104,609 | $ 89,321 | $ 155,520 | $ 84,845 | $ 1,663 | $ 641,361
Special Mention | - | - | - | - | - | 70 | - | - | 70
Substandard | - | 35 | 992 | 1,569 | 3,177 | 5,240 | 2,371 | 582 | 13,966
Total | $ 45,722 | $ 108,056 | $ 52,652 | $ 106,178 | $ 92,499 | $ 160,829 | $ 87,216 | $ 2,245 | $ 655,397
‎ Note 8 – Loans and allowance for credit losses (continued) The table below details the amortized cost of the classes of loans by credit quality indicator and year of origination as of December 31, 2024 (dollars in thousands).
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,412 |  | $ 3,680 |  | $ 2,901 |  | $ 7,188 |  | $ 734 |  | $ 16,070 |  | $ 21,602 |  | $ 341 |  | $ 62,928
Special Mention | - |  | - |  | 41 |  | 79 |  | - |  | - |  | - |  | - |  | 120
Substandard | - |  | 922 |  | 13 |  | 43 |  | - |  | 569 |  | 1,654 |  | 169 |  | 3,370
Total | $ 10,412 |  | $ 4,602 |  | $ 2,955 |  | $ 7,310 |  | $ 734 |  | $ 16,639 |  | $ 23,256 |  | $ 510 |  | $ 66,418
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 21,261 |  | $ 8,959 |  | $ 21,770 |  | $ 39,881 |  | $ 5,663 |  | $ 35,869 |  | $ 1,564 |  | $ 153 |  | $ 135,120
Special Mention | - |  | - |  | - |  | - |  | - |  | 451 |  | - |  | - |  | 451
Substandard | - |  | 93 |  | - |  | 2,898 |  | 44 |  | 1,837 |  | - |  | - |  | 4,872
Total | $ 21,261 |  | $ 9,052 |  | $ 21,770 |  | $ 42,779 |  | $ 5,707 |  | $ 38,157 |  | $ 1,564 |  | $ 153 |  | $ 140,443
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 39,659 |  | $ 12,203 |  | $ 49,273 |  | $ 27,410 |  | $ 9,698 |  | $ 49,206 |  | $ 6,467 |  | $ - |  | $ 193,916
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,173 |  | - |  | - |  | - |  | 1,173
Total | $ 39,659 |  | $ 12,203 |  | $ 49,273 |  | $ 27,410 |  | $ 10,871 |  | $ 49,206 |  | $ 6,467 |  | $ - |  | $ 195,089
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 7,180 |  | $ 1,496 |  | $ 768 |  | $ 9,497 |  | $ 1,976 |  | $ 1,020 |  | $ 641 |  | $ - |  | $ 22,578
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 951 |  | 354 |  | - |  | - |  | - |  | - |  | 1,305
Total | $ 7,180 |  | $ 1,496 |  | $ 1,719 |  | $ 9,851 |  | $ 1,976 |  | $ 1,020 |  | $ 641 |  | $ - |  | $ 23,883
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,531 |  | $ 1,110 |  | $ 49,641
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 400 |  | 400
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,531 |  | $ 1,510 |  | $ 50,041
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,660 |  | $ 4,548 |  | $ 9,634 |  | $ 382 |  | $ 398 |  | $ 6,366 |  | $ - |  | $ - |  | $ 27,988
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | 37 |  | - |  | 119 |  | - |  | - |  | 125 |  | - |  | - |  | 281
Total | $ 6,697 |  | $ 4,548 |  | $ 9,753 |  | $ 382 |  | $ 398 |  | $ 6,491 |  | $ - |  | $ - |  | $ 28,269
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 18,418 |  | $ 23,905 |  | $ 22,954 |  | $ 9,082 |  | $ 8,376 |  | $ 28,572 |  | $ - |  | $ - |  | $ 111,307
Special Mention | - |  | - |  | - |  | - |  | - |  | 73 |  | - |  | - |  | 73
Substandard | - |  | - |  | 265 |  | - |  | 103 |  | 1,555 |  | - |  | - |  | 1,923
Total | $ 18,418 |  | $ 23,905 |  | $ 23,219 |  | $ 9,082 |  | $ 8,479 |  | $ 30,200 |  | $ - |  | $ - |  | $ 113,303
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 12,522 |  | $ 6,375 |  | $ 2,436 |  | $ 1,161 |  | $ 848 |  | $ 2,808 |  | $ - |  | $ - |  | $ 26,150
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 12,522 |  | $ 6,375 |  | $ 2,436 |  | $ 1,161 |  | $ 848 |  | $ 2,808 |  | $ - |  | $ - |  | $ 26,150
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 116,112 |  | $ 61,166 |  | $ 109,736 |  | $ 94,601 |  | $ 27,693 |  | $ 139,911 |  | $ 78,805 |  | $ 1,604 |  | $ 629,628
Special Mention | - |  | - |  | 41 |  | 79 |  | - |  | 524 |  | - |  | - |  | 644
Substandard | 37 |  | 1,015 |  | 1,348 |  | 3,295 |  | 1,320 |  | 4,086 |  | 1,654 |  | 569 |  | 13,324
Total | $ 116,149 |  | $ 62,181 |  | $ 111,125 |  | $ 97,975 |  | $ 29,013 |  | $ 144,521 |  | $ 80,459 |  | $ 2,173 |  | $ 643,596
‎
Gross Charge-Offs By Origination Year |
Current Period Gross Charge-Offs by Origination Year (in thousands)
As of June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total |
Commercial | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - |
Commercial Real Estate: | - | - | - |  | - | - | - | - | - |
Commercial Mortgages-Owner Occupied | - | - | - |  | - | - | - | - | - |
Commercial Mortgages-Non-Owner Occupied | - | - | - |  | - | - | - | - | - |
Commercial Construction/Land | - | - | - |  | - | - | - | - | - |
Consumer: |  |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | 48 | - | 5 | - | - | 53 |
Consumer Closed-End | - | - | 44 | 96 | 19 | - | - | - | 159 |
Residential: | - | - | - | - | - | - | - | - | - |
Residential Mortgages | - | - | - | - | - | 9 | - | - | 9 |
Residential Consumer Construction/Land | - | - | - |  | - | - | - | - | - |
Total | $ - | $ - | $ 44 | $ 144 | $ 19 | $ 14 | $ - | $ - | $ 221 |
As of December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total |
Commercial | $ - | $ 8 | $ - | $ - | $ - | $ - | $ - | $ - | $ 8 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | - |
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | - |
Commercial Construction/Land | - | - | - | - | - | - | - | - | - |
Consumer: |  |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 2 | - | - | 2 |
Consumer Closed-End | - | - | 74 | - | - | - | - | - | 74 |
Residential: |  |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | - | - | - | - |
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | - |
Total | $ - | $ 8 | $ 74 | $ - | $ - | $ 2 | $ - | $ - | $ 84 |
Loans On Non-Accrual Status |
| June 30, 2025
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial | $ 390 | $ 72 | $ 462
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 33 | - | 33
Commercial Mortgages-Non-Owner Occupied | 82 | - | 82
Commercial Construction/Land | 335 | - | 335
Consumer |  |  |
Consumer Open-End | - | - | -
Consumer Closed-End | 192 | - | 192
Residential: |  |  |
Residential Mortgages | 741 | - | 741
Residential Consumer Construction/Land | - | - | -
Total | $ 1,774 | $ 72 | $ 1,846
| December 31, 2024
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial | $ 279 | $ 193 | $ 472
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 43 | - | 43
Commercial Mortgages-Non-Owner Occupied | - | - | -
Commercial Construction/Land | 354 | - | 354
Consumer |  |  |
Consumer Open-End | - | - | -
Consumer Closed-End | 192 | - | 192
Residential: |  |  |
Residential Mortgages | 579 | - | 579
Residential Consumer Construction/Land | - | - | -
Total | $ 1,447 | $ 193 | $ 1,640
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of June 30, 2025
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
2025 |  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | 129 |  | $ | - |  | $ | 398 |  | $ | 527 |  | $ | 69,983 |  | $ | 70,510 |  | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 153,526 |  |  | 153,526 |  |  | -
Commercial Mortgages-Non-Owner Occupied |  | - |  |  | - |  |  | 82 |  |  | 82 |  |  | 202,064 |  |  | 202,147 |  |  | -
Commercial Construction/Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 10,678 |  |  | 10,678 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 265 |  |  | 139 |  |  | - |  |  | 404 |  |  | 53,933 |  |  | 54,337 |  |  | -
Consumer Closed-End |  | 147 |  |  | - |  |  | 80 |  |  | 227 |  |  | 26,053 |  |  | 26,280 |  |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 853 |  |  | 73 |  |  | 152 |  |  | 1,077 |  |  | 107,798 |  |  | 108,875 |  |  | -
Residential Consumer Construction/Land |  | - |  |  | 143 |  |  | - |  |  | 143 |  |  | 28,901 |  |  | 29,044 |  |  | -
Total | $ | 1,394 |  | $ | 354 |  | $ | 713 |  | $ | 2,461 |  | $ | 652,936 |  | $ | 655,397 |  | $ | -
Age Analysis of Past Due Loans as of December 31, 2024
2024 |  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
|  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | - |  | $ | 398 |  | $ | 74 |  | $ | 472 |  | $ | 65,946 |  | $ | 66,418 |  | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | - |  |  | - |  |  | 43 |  |  | 43 |  |  | 140,400 |  |  | 140,443 |  |  | -
Commercial Mortgages-Non-Owner Occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 195,089 |  |  | 195,089 |  |  | -
Commercial Construction/Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 23,883 |  |  | 23,883 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 39 |  |  | 1 |  |  | - |  |  | 40 |  |  | 50,001 |  |  | 50,041 |  |  | -
Consumer Closed-End |  | 112 |  |  | 73 |  |  | - |  |  | 185 |  |  | 28,084 |  |  | 28,269 |  |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 174 |  |  | 358 |  |  | 340 |  |  | 872 |  |  | 112,431 |  |  | 113,303 |  |  | -
Residential Consumer Construction/Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 26,150 |  |  | 26,150 |  |  | -
Total | $ | 325 |  | $ | 830 |  | $ | 457 |  | $ | 1,612 |  | $ | 641,984 |  | $ | 643,596 |  | $ | -
Allowance For Credit Losses On Unfunded Commitments |
Allowance for Credit Losses on Unfunded Commitments |
Balance, March 31, 2025 | $ 651
Provision for credit losses | 27
Balance June 30, 2025 | $ 678
Balance, December 31, 2024 | $ 543
Provision for credit losses | 135
Balance June 30, 2025 | $ 678
Allowance for Credit Losses on Unfunded Commitments |
Balance, March 31, 2024 | $ 613
Recovery of credit losses | (24)
Balance June 30, 2024 | $ 589
Balance, December 31, 2023 | $ 665
Recovery of credit losses | (76)
Balance June 30, 2024 | $ 589

X
- Definition Schedule of Allowance for Credit Losses on Unfunded Commitments + References No definition available. + Details
Name: | botj_AllowanceForCreditLossesOnUnfundedCommitmentsTableTextBlock
Namespace Prefix: | botj_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amortized Cost Basis by Origination Year [Table Text Block] + References No definition available. + Details
Name: | botj_AmortizedCostBasisByOriginationYearTableTextBlock
Namespace Prefix: | botj_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Amortized cost basis of collateral dependent loans + References No definition available. + Details
Name: | botj_AmortizedCostBasisOfCollateralDependentLoansTableTextBlock
Namespace Prefix: | botj_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Current Period Gross Charge-Offs by Origination Year [Table Text Block] + References No definition available. + Details
Name: | botj_CurrentPeriodGrossChargeOffsByOriginationYearTableTextBlock
Namespace Prefix: | botj_
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 aging analysis for financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A Reference 2: 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 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
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 the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
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