Note 5 - Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(dollars in thousands)	December 31, 2024			December 31, 2023
Commercial and industrial:
Commercial	$	172,834		$	152,640
Municipal		101,706			94,724
Commercial real estate:
Non-owner occupied		394,219			337,671
Owner occupied		304,889			278,293
Construction		50,930			39,823
Consumer:
Home equity installment		54,214			56,640
Home equity line of credit		58,130			52,348
Auto loans - Recourse		11,389			10,756
Auto loans - Non-recourse		75,440			112,595
Direct finance leases		27,827			33,601
Other		23,848			16,500
Residential:
Real estate		504,815			465,010
Construction		20,507			36,536
Total		1,800,748			1,687,137
Less:
Allowance for credit losses on loans		(19,666	)		(18,806	)
Unearned lease revenue		(1,946	)		(2,039	)
Loans and leases, net	$	1,779,136		$	1,666,292

Schedule of Unamortized Net Costs and Premiums Included in Loans [Table Text Block]

(dollars in thousands)	December 31, 2024			December 31, 2023
Net unamortized fair value mark discount on acquired loans	$	(4,867	)	$	(6,468	)
Net unamortized deferred loan origination costs		4,981			4,930
Total	$	114		$	(1,538	)

Financing Receivable, Nonaccrual [Table Text Block]

(dollars in thousands)	Non-accrual With No Allowance for Credit Loss		Non-accrual With an Allowance for Credit Loss		Total Non-accrual		Loans Past Due Over 89 Days Still Accruing
At December 31, 2024
Commercial and industrial:
Commercial	$	35	$	2,673	$	2,708	$	-
Municipal		-		-		-		-
Commercial real estate:
Non-owner occupied		711		-		711		-
Owner occupied		2,505		84		2,589		-
Consumer:
Home equity installment		41		-		41		-
Home equity line of credit		281		180		461		-
Auto loans - Recourse		-		-		-		-
Auto loans - Non-recourse		52		-		52		-
Direct finance leases		-		-		-		32
Other		20		-		20		-
Residential:
Real estate		549		212		761		-
Total	$	4,194	$	3,149	$	7,343	$	32

(dollars in thousands)	Non-accrual With No Allowance for Credit Loss		Non-accrual With an Allowance for Credit Loss		Total Non-accrual		Loans Past Due Over 89 Days Still Accruing
At December 31, 2023
Commercial and industrial:
Commercial	$	39	$	16	$	55	$	-
Municipal		-		-		-		-
Commercial real estate:
Non-owner occupied		252		-		252		-
Owner occupied		2,040		210		2,250		-
Consumer:
Home equity installment		70		-		70		-
Home equity line of credit		297		67		364		-
Auto loans - Recourse		-		-		-		-
Auto loans - Non-recourse		32		7		39		-
Direct finance leases		-		-		-		14
Other		-		-		-		-
Residential:
Real estate		278		-		278		-
Total	$	3,008	$	300	$	3,308	$	14

Financing Receivable, Modified [Table Text Block]

	Loans modified during the twelve months ended:
(dollars in thousands)	December 31, 2024
	Principal Forgiveness		Payment Delay		Term Extension		Interest Rate Reduction		Combination Term Extension and Principal Forgiveness		Combination Term Extension Interest Rate Reduction		Total Class of Financing Receivable
Commercial and industrial:
Commercial	$	-	$	50	$	-	$	-	$	-	$	-		0.03	%
Commercial real estate:
Non-owner occupied		-		285		-		-		-		-		0.07	%
Owner occupied		-		1,528		6,627		-		-		-		2.67	%
Total	$	-	$	1,863	$	6,627	$	-	$	-	$	-

	Loans modified during the twelve months ended:
(dollars in thousands)	December 31, 2023
	Principal Forgiveness		Payment Delay		Term Extension		Interest Rate Reduction		Combination Term Extension and Principal Forgiveness		Combination Term Extension Interest Rate Reduction		Total Class of Financing Receivable
Commercial and industrial:
Commercial	$	-	$	40	$	-	$	-	$	-	$	-		0.03	%
Commercial real estate:
Non-owner occupied		-		-		915		3,068		-		-		1.18	%
Owner occupied		-		1,539		125		-		-		-		0.60	%
Total	$	-	$	1,579	$	1,040	$	3,068	$	-	$	-

(dollars in thousands)	December 31, 2024
	Current		30 - 59 Days Past Due		60 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due
Commercial and industrial:
Commercial	$	-	$	50	$	-	$	-	$	50
Commercial real estate:
Non-owner occupied		-		-		-		285		285
Owner occupied		8,155		-		-		-		-
Total	$	8,155	$	50	$	-	$	285	$	335

(dollars in thousands)	December 31, 2023
	Current		30 - 59 Days Past Due		60 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due
Commercial and industrial:
Commercial	$	40	$	-	$	-	$	-	$	-
Commercial real estate:
Non-owner occupied		3,918		-		65		-		65
Owner occupied		1,664		-		-		-		-
Total	$	5,622	$	-	$	65	$	-	$	65

(dollars in thousands)	December 31, 2024
	Principal Forgiveness		Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (Months)
Commercial real estate:
Owner occupied	$	-		-		12.0

(dollars in thousands)	December 31, 2023
	Principal Forgiveness		Weighted-Average Interest Rate Reduction			Weighted-Average Term Extension (Months)
Commercial real estate:
Non-owner occupied	$	-		6.13	%		8.8
Owner occupied		-		-			74.0
Total	$	-		6.13	%		82.8

Financing Receivable, Modified, Subsequent Default [Table Text Block]

Loans modified within the previous twelve months that subsequently defaulted:
(dollars in thousands)	December 31, 2024
	Principal Forgiveness		Payment Delay		Term Extension		Interest Rate Reduction
Commercial and industrial:
Commercial	$	-	$	50	$	-	$	-
Commercial real estate:
Non-owner occupied		-		285		-		-
Total	$	-	$	335	$	-	$	-

Loans modified within the previous twelve months that subsequently defaulted:
(dollars in thousands)	December 31, 2023
	Principal Forgiveness		Payment Delay		Term Extension		Interest Rate Reduction
Commercial real estate:
Non-owner occupied	$	-	$	-	$	65	$	-
Total	$	-	$	-	$	65	$	-

Financing Receivable, Past Due [Table Text Block]

														Recorded
					Past due									investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				Total			due ≥ 90 days
December 31, 2024	past due		past due		or more (1)		past due		Current		loans (3)			and accruing
Commercial and industrial:
Commercial	$	61		24		2,708	$	2,793	$	170,041	$	172,834		$	-
Municipal		-		-		-		-		101,706		101,706			-
Commercial real estate:
Non-owner occupied		27		-		711		738		393,481		394,219			-
Owner occupied		2,348		589		2,589		5,526		299,363		304,889			-
Construction		-		-		-		-		50,930		50,930			-
Consumer:
Home equity installment		232		121		41		394		53,820		54,214			-
Home equity line of credit		226		-		461		687		57,443		58,130			-
Auto loans - Recourse		173		18		-		191		11,198		11,389			-
Auto loans - Non-recourse		447		54		52		553		74,887		75,440			-
Direct finance leases		284		27		32		343		25,538		25,881	(2)		32
Other		8		15		20		43		23,805		23,848			-
Residential:
Real estate		-		695		761		1,456		503,359		504,815			-
Construction		-		-		-		-		20,507		20,507			-
Total	$	3,806	$	1,543	$	7,375	$	12,724	$	1,786,078	$	1,798,802		$	32

														Recorded
					Past due									investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				Total			due ≥ 90 days
December 31, 2023	past due		past due		or more (1)		past due		Current		loans (3)			and accruing
Commercial and industrial
Commercial	$	77	$	16	$	55	$	148	$	152,492	$	152,640		$	-
Municipal		-		-		-		-		94,724		94,724
Commercial real estate:
Non-owner occupied		85		65		252		402		337,269		337,671			-
Owner occupied		1,875		104		2,250		4,229		274,064		278,293			-
Construction		-		-		-		-		39,823		39,823			-
Consumer:
Home equity installment		105		150		70		325		56,315		56,640			-
Home equity line of credit		60		92		364		516		51,832		52,348			-
Auto loans - Recourse		86		1		-		87		10,669		10,756			-
Auto loans - Non-recourse		417		48		39		504		112,091		112,595			-
Direct finance leases		548		-		14		562		31,000		31,562	(2)		14
Other		30		4		-		34		16,466		16,500			-
Residential:
Real estate		42		682		278		1,002		464,008		465,010			-
Construction		-		-		-		-		36,536		36,536			-
Total	$	3,325	$	1,162	$	3,322	$	7,809	$	1,677,289	$	1,685,098		$	14

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 2024	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial and industrial
Risk Rating
Pass	$	26,711	$	22,519	$	11,367	$	15,837	$	2,957	$	14,581	$	74,871	$	-	$	168,843
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		35		169		2,684		12		991		100		-		3,991
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial	$	26,711	$	22,554	$	11,536	$	18,521	$	2,969	$	15,572	$	74,971	$	-	$	172,834
Current period gross write-offs	$	-	$	-	$	141	$	35	$	21	$	202	$	-	$	-	$	399
Commercial and industrial - municipal
Risk Rating
Pass	$	10,549	$	23,789	$	14,509	$	24,102	$	12,535	$	16,222	$	-	$	-	$	101,706
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial - municipal	$	10,549	$	23,789	$	14,509	$	24,102	$	12,535	$	16,222	$	-	$	-	$	101,706
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial real estate - non-owner occupied
Risk Rating
Pass	$	69,675	$	34,230	$	72,073	$	66,554	$	45,215	$	90,237	$	8,513	$	-	$	386,497
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		685		115		6,922		-		-		7,722
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied	$	69,675	$	34,230	$	72,073	$	67,239	$	45,330	$	97,159	$	8,513	$	-	$	394,219
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial real estate - owner occupied
Risk Rating
Pass	$	52,059	$	31,026	$	31,983	$	41,420	$	20,746	$	91,316	$	15,951	$	-	$	284,501
Special Mention		-		-		-		-		514		886		-		-		1,400
Substandard				-		6,758		906		510		10,784		30		-		18,988
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - owner occupied	$	52,059	$	31,026	$	38,741	$	42,326	$	21,770	$	102,986	$	15,981	$	-	$	304,889
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	132	$	-	$	-	$	132
Commercial real estate - construction
Risk Rating
Pass	$	21,400	$	26,055	$	1,665	$	-	$	-	$	293	$	1,517	$	-	$	50,930
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - construction	$	21,400	$	26,055	$	1,665	$	-	$	-	$	293	$	1,517	$	-	$	50,930
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

December 31, 2024	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Home equity installment
Payment performance
Performing	$	7,214	$	7,296	$	15,611	$	7,779	$	6,464	$	9,809	$	-	$	-	$	54,173
Non-performing		-		-		-		-		-		41		-		-		41
Total home equity installment	$	7,214	$	7,296	$	15,611	$	7,779	$	6,464	$	9,850	$	-	$	-	$	54,214
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	7	$	-	$	-	$	7
Home equity line of credit
Payment performance
Performing	$	-	$	-	$	-	$	-	$	-	$	-	$	47,487	$	10,182	$	57,669
Non-performing		-		-		-		-		-		-		461		-		461
Total home equity line of credit	$	-	$	-	$	-	$	-	$	-	$	-	$	47,948	$	10,182	$	58,130
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	41	$	-	$	41
Auto loans - recourse
Payment performance
Performing	$	4,743	$	2,336	$	1,179	$	1,735	$	1,094	$	302	$	-	$	-	$	11,389
Non-performing		-		-		-		-		-		-		-		-		-
Total auto loans - recourse	$	4,743	$	2,336	$	1,179	$	1,735	$	1,094	$	302	$	-	$	-	$	11,389
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Auto loans - non-recourse
Payment performance
Performing	$	5,402	$	27,679	$	27,790	$	9,981	$	3,588	$	948	$	-	$	-	$	75,388
Non-performing		-		-		-		48		-		4		-		-		52
Total auto loans - non-recourse	$	5,402	$	27,679	$	27,790	$	10,029	$	3,588	$	952	$	-	$	-	$	75,440
Current period gross write-offs	$	-	$	22	$	67	$	23	$	6	$	13	$	-	$	-	$	131
Direct finance leases (1)
Payment performance
Performing	$	8,598	$	7,121	$	7,592	$	2,444	$	94	$	-	$	-	$	-	$	25,849
Non-performing		-		-		-		32		-		-		-		-		32
Total direct finance leases	$	8,598	$	7,121	$	7,592	$	2,476	$	94	$	-	$	-	$	-	$	25,881
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer - other
Payment performance
Performing	$	11,794	$	6,048	$	1,760	$	1,055	$	398	$	617	$	2,156	$	-	$	23,828
Non-performing		-		-		20		-		-		-		-		-		20
Total consumer - other	$	11,794	$	6,048	$	1,780	$	1,055	$	398	$	617	$	2,156	$	-	$	23,848
Current period gross write-offs	$	38	$	93	$	30	$	31	$	7	$	41	$	-	$	-	$	240
Residential real estate
Payment performance
Performing	$	35,008	$	64,399	$	89,014	$	137,434	$	51,728	$	126,471	$	-	$	-	$	504,054
Non-performing		-		315		-		-		-		446		-		-		761
Total residential real estate	$	35,008	$	64,714	$	89,014	$	137,434	$	51,728	$	126,917	$	-	$	-	$	504,815
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential - construction
Payment performance
Performing	$	15,601	$	2,894	$	-	$	2,012	$	-	$	-	$	-	$	-	$	20,507
Non-performing		-		-		-		-		-		-		-		-		-
Total residential - construction	$	15,601	$	2,894	$	-	$	2,012	$	-	$	-	$	-	$	-	$	20,507
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

December 31, 2023	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial and industrial
Risk Rating
Pass	$	30,328	$	19,115	$	22,820	$	4,848	$	6,922	$	12,156	$	53,758	$	-	$	149,947
Special Mention		-		597		288		-		-		55		30		-		970
Substandard		-		-		16		20		53		324		1,310		-		1,723
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial	$	30,328	$	19,712	$	23,124	$	4,868	$	6,975	$	12,535	$	55,098	$	-	$	152,640
Current period gross write-offs	$	-	$	-	$	300	$	20	$	-	$	-	$	-	$	-	$	320
Commercial and industrial - municipal
Risk Rating
Pass	$	27,016	$	13,933	$	21,241	$	13,137	$	1,445	$	17,952	$	-	$	-	$	94,724
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial - municipal	$	27,016	$	13,933	$	21,241	$	13,137	$	1,445	$	17,952	$	-	$	-	$	94,724
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial real estate - non-owner occupied
Risk Rating
Pass	$	34,349	$	57,874	$	72,806	$	48,088	$	16,245	$	89,117	$	7,168	$	-	$	325,647
Special Mention		-		-		1,044		304		-		1,375		-		-		2,723
Substandard		-		65		1,063		129		566		7,478		-		-		9,301
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied	$	34,349	$	57,939	$	74,913	$	48,521	$	16,811	$	97,970	$	7,168	$	-	$	337,671
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	32	$	-	$	-	$	32
Commercial real estate - owner occupied
Risk Rating
Pass	$	29,182	$	38,767	$	45,643	$	23,980	$	25,781	$	85,167	$	9,342	$	-	$	257,862
Special Mention		-		199		554		-		-		-		125		-		878
Substandard		-		7,029		379		560		-		10,991		594		-		19,553
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - owner occupied	$	29,182	$	45,995	$	46,576	$	24,540	$	25,781	$	96,158	$	10,061	$	-	$	278,293
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	59	$	-	$	-	$	59
Commercial real estate - construction
Risk Rating
Pass	$	15,075	$	17,358	$	852	$	-	$	-	$	3,739	$	2,799	$	-	$	39,823
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - construction	$	15,075	$	17,358	$	852	$	-	$	-	$	3,739	$	2,799	$	-	$	39,823
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

December 31, 2023	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Home equity installment
Payment performance
Performing	$	8,581	$	17,890	$	9,487	$	7,988	$	3,832	$	8,792	$	-	$	-	$	56,570
Non-performing		-		-		-		-		-		70		-		-		70
Total home equity installment	$	8,581	$	17,890	$	9,487	$	7,988	$	3,832	$	8,862	$	-	$	-	$	56,640
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	26	$	-	$	-	$	26
Home equity line of credit
Payment performance
Performing	$	-	$	-	$	-	$	-	$	-	$	-	$	40,939	$	11,045	$	51,984
Non-performing		-		-		-		-		-		-		364		-		364
Total home equity line of credit	$	-	$	-	$	-	$	-	$	-	$	-	$	41,303	$	11,045	$	52,348
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Auto loans - recourse
Payment performance
Performing	$	3,120	$	1,957	$	2,834	$	1,926	$	765	$	154	$	-	$	-	$	10,756
Non-performing		-		-		-		-		-		-		-		-		-
Total auto loans - recourse	$	3,120	$	1,957	$	2,834	$	1,926	$	765	$	154	$	-	$	-	$	10,756
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Auto loans - non-recourse
Payment performance
Performing	$	39,673	$	42,059	$	17,314	$	8,162	$	3,999	$	1,349	$	-	$	-	$	112,556
Non-performing		-		-		3		17		-		19		-		-		39
Total auto loans - non-recourse	$	39,673	$	42,059	$	17,317	$	8,179	$	3,999	$	1,368	$	-	$	-	$	112,595
Current period gross write-offs	$	3	$	7	$	105	$	36	$	15	$	-	$	-	$	-	$	166
Direct finance leases (2)
Payment performance
Performing	$	11,569	$	10,728	$	7,508	$	1,660	$	83	$	-	$	-	$	-	$	31,548
Non-performing		-		-		14		-		-		-		-		-		14
Total direct finance leases	$	11,569	$	10,728	$	7,522	$	1,660	$	83	$	-	$	-	$	-	$	31,562
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer - other
Payment performance
Performing	$	8,127	$	3,266	$	1,963	$	705	$	368	$	762	$	1,309	$	-	$	16,500
Non-performing		-		-		-		-		-		-		-		-		-
Total consumer - other	$	8,127	$	3,266	$	1,963	$	705	$	368	$	762	$	1,309	$	-	$	16,500
Current period gross write-offs	$	125	$	77	$	16	$	7	$	17	$	29	$	-	$	-	$	271
Residential real estate
Payment performance
Performing	$	53,604	$	80,516	$	137,620	$	51,710	$	29,859	$	111,423	$	-	$	-	$	464,732
Non-performing		-		-		-		-		-		278		-		-		278
Total residential real estate	$	53,604	$	80,516	$	137,620	$	51,710	$	29,859	$	111,701	$	-	$	-	$	465,010
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential - construction
Payment performance
Performing	$	10,733	$	13,084	$	9,267	$	2,675	$	343	$	434	$	-	$	-	$	36,536
Non-performing		-		-		-		-		-		-		-		-		-
Total residential - construction	$	10,733	$	13,084	$	9,267	$	2,675	$	343	$	434	$	-	$	-	$	36,536
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Schedule of Collateral Dependent Loans [Table Text Block]

(dollars in thousands)	Real Estate		Other		Total Collateral-Dependent Loans
At December 31, 2024
Commercial and industrial:
Commercial	$	-	$	2,708	$	2,708
Commercial real estate:
Non-owner occupied		711		-		711
Owner occupied		2,589		-		2,589
Consumer:
Home equity installment		41		-		41
Home equity line of credit		461		-		461
Auto loans - Non-recourse		-		52		52
Other		20		-		20
Residential:
Real estate		761		-		761
Total	$	4,583	$	2,760	$	7,343

(dollars in thousands)	Real Estate		Other		Total Collateral-Dependent Loans
At December 31, 2023
Commercial and industrial:
Commercial	$	-	$	55	$	55
Commercial real estate:
Non-owner occupied		252		-		252
Owner occupied		2,250		-		2,250
Consumer:
Home equity installment		70		-		70
Home equity line of credit		364		-		364
Auto loans - Non-recourse		-		39		39
Residential:
Real estate		278		-		278
Total	$	3,214	$	94	$	3,308

Financing Receivable, Allowance for Credit Loss [Table Text Block]

As of and for the year ended December 31, 2024
	Commercial &			Commercial						Residential
(dollars in thousands)	industrial			real estate			Consumer			real estate		Unallocated			Total
Allowance for Credit Losses:
Beginning balance	$	1,850		$	8,835		$	2,391		$	5,694	$	36		$	18,806
Charge-offs		(399	)		(132	)		(419	)		-		-			(950	)
Recoveries		12			352			76			45		-			485
Provision (benefit) for credit losses		882			(112	)		329			250		(24	)		1,325
Ending balance	$	2,345		$	8,943		$	2,377		$	5,989	$	12		$	19,666

As of and for the year ended December 31, 2023
	Commercial &			Commercial						Residential
(dollars in thousands)	industrial			real estate			Consumer			real estate		Unallocated			Total
Allowance for Credit Losses:
Beginning balance	$	2,924		$	7,162		$	2,827		$	4,169	$	67		$	17,149
Impact of adopting ASC 326		278			756			(547	)		198		(67	)		618
Initial allowance on loans purchased with credit deterioration		-			126			-			-		-			126
Charge-offs		(320	)		(91	)		(463	)		-		-			(874	)
Recoveries		57			44			165			30		-			296
Provision		(1,089	)		838			409			1,297		36			1,491
Ending balance	$	1,850		$	8,835		$	2,391		$	5,694	$	36		$	18,806

Schedule of Credit Loss on Unfunded Commitments [Table Text Block]

(dollars in thousands)	For the Twelve Months Ended December 31, 2024		For the Twelve Months Ended December 31, 2023
Beginning balance	$	944	$	49
Impact of adopting ASC 326		-		1,060
Provision (benefit) for credit losses		140		(165	)
Ending balance	$	1,084	$	944

Sales-Type and Direct Financing Leases, Payment to be Received, Maturity [Table Text Block]

(dollars in thousands)	Amount
2025	$	13,784
2026		8,439
2027		4,104
2028		842
2029		105
2030 and thereafter		-
Total future minimum lease payments receivable		27,274
Less: Unearned income		(1,946	)
Undiscounted cash flows to be received	$	25,328