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Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 12 Months Ended
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Dec. 31, 2021 | Dec. 31, 2020
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Loans and Leases Receivable, Gross | $ 428,747 | $ 400,542
Dental Loans | $ 67,300 | $ 67,200
Percentage of Dental Practice to Loan Portfolio | 15.70% | 16.80%
Proceeds from Sale of Loans Held-for-sale | $ 1,100 | $ 9,800
Gain (Loss) on Sales of Loans, Net | 101 | 722
Servicing Asset at Fair Value, Additions | 19 | 152
Increase (Decrease) in Loans Held-for-sale | $ 42,800 | 26,400
Number of SBA Loan Programs | 2 |
Minimum [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Loans Guarantee On Principal Balance | 75.00% |
Maximum [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Loans Guarantee On Principal Balance | 80.00% |
SBA [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Guarantor Obligations Percentage | 100.00% |
Loans and Leases Receivable, Gross | $ 233,855 | 252,419
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | 33,800 | 14,900
Paycheck Protection Program ("PPP") [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Loans and Leases Receivable, Gross | $ 34,100 | $ 82,500
Percentage of Dental Practice to Loan Portfolio | 17.10% | 21.10%
Business and Industry Loans [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Description of Loan Program | The Company serves the small business community by offering loans promulgated under the SBA’s 7(a) and 504 loan programs, and loans guaranteed by the USDA. SBA 7(a) and USDA loans are typically guaranteed by each agency in amounts ranging from 75% to 80% of the principal balance. For SBA construction loans, the Company records the guaranteed funded portion of the loans as held for sale. When the SBA loans are fully funded, the Company may sell the guaranteed portion into the secondary market, on a servicing-retained basis, or reclassify from loans held for sale to loans held for investment if the Company determines that holding these loans provide better long-term risk adjusted returns than selling the loans. In calculating gain on the sale of loans, the Company performs an allocation based on the relative fair values of the sold portion and retained portion of the loan. The Company’s assumptions are validated by reference to external market information. |
SBA 7(a) [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Description of Loan Program | The 7(a) program serves as the SBA’s primary business loan program to help qualified small businesses obtain financing when they might not be eligible for business loans through normal lending channels. Loan proceeds under this program can be used for most business purposes including working capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new construction), leasehold improvements and debt refinancing. Loan maturity is generally up to 10 years for non-real estate collateral and up to 25 years for real estate collateral. The 7(a) loan is approved and funded by a qualified lender, partially guaranteed by the SBA and subject to applicable regulations. In general, the SBA guarantees up to 75% (100% for PPP loans) of the loan amount depending on loan size. The Company is required by the SBA to service the loan and retain a contractual minimum of 5% on all SBA 7(a) loans, but generally retains 25% (the unguaranteed portion). The servicing spread is 1% of the guaranteed portion of the loan that is sold in the secondary market. |
SBA 504 [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Loans and Leases Receivable, Gross | $ 35,348 | $ 35,553
Description of Loan Program | The 504 program is an economic development-financing program providing long-term, low down payment loans to businesses. Typically, a 504 project includes a loan secured from a private-sector lender with a senior lien, a loan secured from a CDC (funded by a 100% SBA-guaranteed debenture) with a junior lien covering up to 40% of the total cost, and a contribution of at least 10% equity from the borrower. Debenture limits are $5.0 million for regular 504 loans and $5.5 million for those 504 loans that meet a public policy goal. |
USDA [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Loans and Leases Receivable, Gross | $ 806 | $ 801
Description of Loan Program | These loans are similar to the SBA product, except they are guaranteed by the USDA. The guaranteed amount is generally 80%. B&I loans are made to businesses in designated rural areas and are generally larger loans to larger businesses than the SBA 7(a) loans. Similar to the SBA 7(a) product, they can be sold into the secondary market. These loans can be utilized for rural commercial real estate and equipment. The loans can have maturities up to 30 years and the rates can be fixed or variable. |
Loans with Modifications [Member] |  |
Loans and Allowance for Loan Losses (Details) [Line Items] |  |
Number of Loan Modifications | 2 | 11
Financing Receivable, after Allowance for Credit Loss | $ 679 | $ 4,300

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