Embassy Bancorp (EMYB) 10-Q13 Nov 242024 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2024	Nov. 08, 2024
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--12-31
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Document Fiscal Year Focus	2024
Entity File Number	000-53528
Entity Registrant Name	Embassy Bancorp, Inc.
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	26-3339011
Entity Address, Address Line One	One Hundred Gateway Drive
Entity Address, Address Line Two	Suite 100
Entity Address, City or Town	Bethlehem
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	18017
City Area Code	610
Local Phone Number	882-8800
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		7,618,715
Entity Central Index Key	0001449794
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 17,202	$ 16,133
Interest bearing demand deposits with banks	73,705	61,790
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	91,907	78,923
Securities available for sale	308,057	276,060
Restricted investment in bank stock	1,913	2,458
Loans receivable, net of allowance for credit losses of $12,206 in 2024; $12,461 in 2023	1,246,524	1,241,578
Premises and equipment, net of accumulated depreciation	3,411	3,734
Bank owned life insurance	36,226	26,310
Accrued interest receivable	3,457	3,298
Other assets	23,699	24,135
Total Assets	1,715,194	1,656,496
Deposits:
Non-interest bearing	330,590	328,669
Interest bearing	1,204,585	1,147,564
Total Deposits	1,535,175	1,476,233
Securities sold under agreements to repurchase	18,223	15,237
Short-term borrowings	21,875	35,000
Accrued interest payable	8,126	7,844
Other liabilities	17,301	16,527
Total Liabilities	1,600,700	1,550,841
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2024 issued 7,780,727 shares; outstanding 7,618,715 shares; 2023 issued 7,758,247 shares; outstanding 7,596,236 shares;	7,781	7,758
Surplus	28,736	28,246
Retained earnings	120,561	116,018
Accumulated other comprehensive loss	(39,917)	(43,700)
Treasury stock, at cost: 162,011 shares at September 30, 2024 and December 31, 2023, respectively	(2,667)	(2,667)
Total Stockholders' Equity	114,494	105,655
Total Liabilities and Stockholders' Equity	$ 1,715,194	$ 1,656,496

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Consolidated Balance Sheets [Abstract]
Loans receivable, allowance	$ 12,206	$ 12,461
Common stock, par value	$ 1	$ 1
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	7,780,727	7,758,247
Common stock, shares outstanding	7,618,715	7,596,236
Treasury stock, shares	162,011	162,011

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST INCOME
Loans, including fees	$ 13,803	$ 12,523	$ 40,277	$ 35,890
Securities, taxable	1,694	1,548	4,512	4,650
Securities, non-taxable	296	305	890	915
Short-term investments, including federal funds sold	1,129	137	2,459	936
Total Interest Income	16,922	14,513	48,138	42,391
INTEREST EXPENSE
Deposits	7,587	4,956	20,927	11,824
Securities sold under agreements to repurchase and federal funds purchased	161	66	425	209
Short-term borrowings	4	91	9	98
Total Interest Expense	7,752	5,113	21,361	12,131
Net Interest Income	9,170	9,400	26,777	30,260
CREDIT FOR CREDIT LOSSES	(30)	(300)	(385)	(190)
Net Interest Income after Credit for Credit Losses	9,200	9,700	27,162	30,450
OTHER NON-INTEREST INCOME
Merchant and credit card processing fees	84	91	247	273
Debit card interchange fees	233	222	676	671
Other service fees	176	158	481	468
Bank owned life insurance	360	99	886	491
Total Other Non-Interest Income	853	570	2,290	1,903
OTHER NON-INTEREST EXPENSES
Salaries and employee benefits	3,671	3,487	10,598	10,805
Occupancy and equipment	1,001	979	3,053	2,915
Data processing	679	694	2,124	2,224
Advertising and promotion	235	257	625	824
Professional fees	283	310	814	809
FDIC insurance	204	192	582	569
Loan & real estate	59	58	175	155
Charitable contributions	208	208	725	721
Other	468	416	1,490	1,309
Total Other Non-Interest Expenses	6,808	6,601	20,186	20,331
Income Before Income Taxes	3,245	3,669	9,266	12,022
INCOME TAX EXPENSE	531	667	1,524	2,186
Net Income	$ 2,714	$ 3,002	$ 7,742	$ 9,836
BASIC EARNINGS PER SHARE	$ 0.36	$ 0.39	$ 1.02	$ 1.29
DILUTED EARNINGS PER SHARE	$ 0.36	$ 0.39	1.02	1.29
DIVIDENDS PER SHARE			$ 0.42	$ 0.40

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Consolidated Statements of Comprehensive Income (Loss) Income [Abstract]
Net Income	$ 2,714	$ 3,002	$ 7,742	$ 9,836
Change in Accumulated Other Comprehensive Loss:
Unrealized holding gain (loss) on securities available for sale	11,496	(15,833)	4,789	(12,466)
Less: reclassification adjustment for realized gains
Total other comprehensive income (loss), before tax	11,496	(15,833)	4,789	(12,466)
Income tax effect	(2,414)	3,325	(1,006)	2,618
Net unrealized gain (loss)	9,082	(12,508)	3,783	(9,848)
Other comprehensive income (loss), net of tax	9,082	(12,508)	3,783	(9,848)
Comprehensive Income (Loss)	$ 11,796	$ (9,506)	$ 11,525	$ (12)

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member] Director [Member]	Common Stock [Member]	Surplus [Member] Director [Member]	Surplus [Member]	Retained Earnings [Member] Cumulative Effect from Change in Accounting Principle [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Director [Member]	Cumulative Effect from Change in Accounting Principle [Member]	Total
BALANCE-Beginning at Dec. 31, 2022		$ 7,740		$ 27,627	$ (148)	$ 106,551	$ (51,107)	$ (2,535)		$ (148)	$ 88,276
Net income						3,787					3,787
Other comprehensive income (loss), net of tax							3,356				3,356
Common stock grants	$ 14		$ 243						$ 257
Compensation expense recognized on stock grants, net of unearned compensation expense				82							82
Shares issued under employee stock purchase plan		1		15							16
BALANCE-Ending at Mar. 31, 2023		7,755		27,967		110,190	(47,751)	(2,535)			95,626
BALANCE-Beginning at Dec. 31, 2022		7,740		27,627	$ (148)	106,551	(51,107)	(2,535)		$ (148)	88,276
Net income											9,836
Other comprehensive income (loss), net of tax											(9,848)
BALANCE-Ending at Sep. 30, 2023		7,757		28,153		113,198	(60,955)	(2,535)			85,618
BALANCE-Beginning at Mar. 31, 2023		7,755		27,967		110,190	(47,751)	(2,535)			95,626
Net income						3,047					3,047
Other comprehensive income (loss), net of tax							(696)				(696)
Dividend declared						(3,041)					(3,041)
Compensation expense recognized on stock grants, net of unearned compensation expense				76							76
Shares issued under employee stock purchase plan		1		18							19
BALANCE-Ending at Jun. 30, 2023		7,756		28,061		110,196	(48,447)	(2,535)			95,031
Net income						3,002					3,002
Other comprehensive income (loss), net of tax							(12,508)				(12,508)
Compensation expense recognized on stock grants, net of unearned compensation expense				77							77
Shares issued under employee stock purchase plan		1		15							16
BALANCE-Ending at Sep. 30, 2023		7,757		28,153		113,198	(60,955)	(2,535)			85,618
BALANCE-Beginning at Dec. 31, 2023		7,758		28,246		116,018	(43,700)	(2,667)			105,655
Net income						2,536					2,536
Other comprehensive income (loss), net of tax							(4,758)				(4,758)
Common stock grants	$ 19		$ 248						$ 267
Compensation expense recognized on stock grants, net of unearned compensation expense				67							67
Shares issued under employee stock purchase plan		1		17							18
BALANCE-Ending at Mar. 31, 2024		7,778		28,578		118,554	(48,458)	(2,667)			103,785
BALANCE-Beginning at Dec. 31, 2023		7,758		28,246		116,018	(43,700)	(2,667)			105,655
Net income											7,742
Other comprehensive income (loss), net of tax											3,783
BALANCE-Ending at Sep. 30, 2024		7,781		28,736		120,561	(39,917)	(2,667)			114,494
BALANCE-Beginning at Mar. 31, 2024		7,778		28,578		118,554	(48,458)	(2,667)			103,785
Net income						2,492					2,492
Other comprehensive income (loss), net of tax							(541)				(541)
Dividend declared						(3,199)					(3,199)
Compensation expense recognized on stock grants, net of unearned compensation expense				66							66
Shares issued under employee stock purchase plan		2		15							17
BALANCE-Ending at Jun. 30, 2024		7,780		28,659		117,847	(48,999)	(2,667)			102,620
Net income						2,714					2,714
Other comprehensive income (loss), net of tax							9,082				9,082
Compensation expense recognized on stock grants, net of unearned compensation expense				62							62
Shares issued under employee stock purchase plan		1		15							16
BALANCE-Ending at Sep. 30, 2024		$ 7,781		$ 28,736		$ 120,561	$ (39,917)	$ (2,667)			$ 114,494

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023
Dividend declared per share		$ 0.42			$ 0.40
Compensation expense recognized on stock grants, unearned compensation expense	$ 136	$ 198	$ 265	$ 407	$ 484	$ 560
Shares issued under employee stock purchase plan, shares	1,035	1,209	1,393	1,027	1,357	939
Director [Member]
Common stock grants, shares			18,843			13,877

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 7,742	$ 9,836
Adjustments to reconcile net income to net cash provided by operating activities:
Credit for credit losses	(385)	(190)
Amortization of deferred loan costs	234	169
Depreciation	810	663
Net accretion of investment security premiums and discounts	(526)	(431)
Stock compensation expense	462	492
Income on bank owned life insurance	(886)	(491)
Increase in accrued interest receivable	(159)	(331)
Decrease in other assets	561	260
Increase in accrued interest payable	282	6,346
(Decrease) increase in other liabilities	(357)	415
Net Cash Provided by Operating Activities	7,778	16,738
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available for sale	(44,262)	(4,874)
Maturities, calls and principal repayments of securities available for sale	17,580	14,809
Net increase in loans	(4,795)	(41,031)
Net redemption (purchase) of restricted investment in bank stock	545	(3,365)
Purchase of bank owned life insurance	(9,030)
Purchases of premises and equipment	(487)	(599)
Proceeds on bank owned life insurance		29
Net Cash Used in Investing Activities	(40,449)	(35,031)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	58,942	(48,848)
Net increase (decrease) in securities sold under agreements to repurchase	2,986	(2,044)
(Decrease) increase in short-term borrowings	(13,125)	82,542
Proceeds from Employee Stock Purchase Plan	51	51
Dividends paid	(3,199)	(3,041)
Net Cash Provided by Financing Activities	45,655	28,660
Net Increase in Cash and Cash Equivalents	12,984	10,367
CASH AND CASH EQUIVALENTS - BEGINNING	78,923	67,295
CASH AND CASH EQUIVALENTS - ENDING	91,907	77,662
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	21,079	5,785
Income taxes paid	1,841	$ 3,000
Non-cash Investing and Financing Activities:
Right of use assets obtained in exchange for new operating lease liabilities	$ 1,131

Basis of Presentation

Basis of Presentation	9 Months Ended
Basis of Presentation	Sep. 30, 2024
Basis of Presentation [Abstract]
Basis of Presentation	Note 1 – Basis of Presentation Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. Embassy Holdings, LLC (the “LLC”) is a wholly-owned subsidiary of the Bank organized to engage in the holding of property acquired by the Bank in satisfaction of debts previously contracted. As such, the consolidated financial statements contained herein include the accounts of the Company, the Bank and the LLC. All significant intercompany transactions and balances have been eliminated. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area. The accompanying unaudited financial statements have been prepared in accordance with United States of America generally accepted accounting principles (“US GAAP”) for interim financial information and in accordance with instructions for Form 10-Q and Rule 10-01 of the Securities and Exchange Commission Regulation S-X. Accordingly, they do not include all of the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024. The consolidated financial statements presented in this report should be read in conjunction with the audited consolidated financial statements and the accompanying notes for the year ended December 31, 2023, included in the Company’s Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 28, 2024. The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the unaudited consolidated financial statements included in this Quarterly Report on Form 10-Q were issued. Certain amounts in the 2023 consolidated financial statements may have been reclassified to conform to 2024 presentation. These reclassifications had no effect on 2023 net income.

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
Summary of Significant Accounting Policies	Sep. 30, 2024
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 2 - Summary of Significant Accounting Policies The significant accounting policies of the Company as applied in the interim financial statements presented herein are substantially the same as those followed on an annual basis as presented in the Company’s Form 10-K for the year ended December 31, 2023.

Securities Available for Sale

Securities Available for Sale	9 Months Ended
Securities Available for Sale	Sep. 30, 2024
Securities Available for Sale [Abstract]
Securities Available for Sale	Note 3 – Securities Available For Sale At September 30, 2024 and December 31, 2023, respectively, the amortized cost and fair values of securities available-for-sale were as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) September 30, 2024: U.S. Treasury securities $ 39,507 $ 39 $ ( 78 ) $ 39,468 U.S. Government agency obligations 17,429 35 ( 60 ) 17,404 Municipal bonds 72,691 45 ( 11,637 ) 61,099 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial 508 - ( 53 ) 455 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 228,449 2 ( 38,820 ) 189,631 Total $ 358,584 $ 121 $ ( 50,648 ) $ 308,057 December 31, 2023: U.S. Treasury securities $ 14,867 $ - $ ( 277 ) $ 14,590 U.S. Government agency obligations 2,463 - ( 124 ) 2,339 Municipal bonds 73,128 73 ( 12,405 ) 60,796 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial 509 - ( 67 ) 442 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 240,409 2 ( 42,518 ) 197,893 Total $ 331,376 $ 75 $ ( 55,391 ) $ 276,060 The amortized cost and fair value of securities as of September 30, 2024, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to prepay obligations with or without any penalties. Amortized Fair Cost Value (In Thousands) September 30, 2024: Due in one year or less $ 51,915 $ 51,833 Due after one year through five years 7,370 7,312 Due after five years through ten years 6,874 6,644 Due after ten years 63,468 52,182 129,627 117,971 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial 508 455 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 228,449 189,631 Total $ 358,584 $ 308,057 There were no sales of securities for the three and nine months ended September 30, 2024 and 2023. Securities with a carrying value of $ 163.9 million and $ 145.7 million at September 30, 2024 and December 31, 2023, respectively, were subject to agreements to repurchase, pledged to secure public deposits, or pledged for other purposes required or permitted by law. The following table shows the Company’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2024 and December 31, 2023: Less Than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses September 30, 2024: (In Thousands) U.S. Treasury securities $ - $ - $ 9,895 $ ( 78 ) $ 9,895 $ ( 78 ) U.S. Government agency obligations - - 2,420 ( 60 ) 2,420 ( 60 ) Municipal bonds 12,675 ( 664 ) 46,360 ( 10,973 ) 59,035 ( 11,637 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - commercial - - 455 ( 53 ) 455 ( 53 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - residential - - 189,564 ( 38,820 ) 189,564 ( 38,820 ) Total Temporarily Impaired Securities $ 12,675 $ ( 664 ) $ 248,694 $ ( 49,984 ) $ 261,369 $ ( 50,648 ) . December 31, 2023: U.S. Treasury securities $ - $ - $ 14,590 $ ( 277 ) $ 14,590 $ ( 277 ) U.S. Government agency obligations - - 2,339 ( 124 ) 2,339 ( 124 ) Municipal bonds 5,561 ( 201 ) 52,267 ( 12,204 ) 57,828 ( 12,405 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - commercial - - 442 ( 67 ) 442 ( 67 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - residential - - 197,796 ( 42,518 ) 197,796 ( 42,518 ) Total Temporarily Impaired Securities $ 5,561 $ ( 201 ) $ 267,434 $ ( 55,190 ) $ 272,995 $ ( 55,391 ) The Company had one hundred eighty-eight ( 188 ) securities in an unrealized loss position at September 30, 2024 and one hundred eighty-nine ( 189 ) securities in an unrealized loss position at December 31, 2023. The Company reviews its investment portfolio on a quarterly basis for indications of impairment due to credit-related factors or noncredit-related factors. The Company does not intend to sell the securities and has the intent and ability to hold them for a period of time sufficient for recovery of their amortized cost basis. This review includes analyzing the extent to which the fair value has been lower than the cost, the market liquidity for the investment, the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer, and the Company’s intent and ability to hold the investment for a period of time sufficient to allow for any anticipated recovery in fair value. Management believes that the unrealized loss only represents temporary impairment of the securities, which are predominantly backed by credit of government agencies, and are a result of the increased market interest rates since the time of purchase, and not the credit quality of the issuer. As such, no allowance for credit losses was required on securities available for sale in an unrealized loss position at September 30, 2024 and December 31, 2023.

Restricted Investment in Bank S

Restricted Investment in Bank Stock	9 Months Ended
Restricted Investment in Bank Stock	Sep. 30, 2024
Restricted Investment in Bank Stock [Abstract]
Restricted Investment in Bank Stock	Note 4 – Restricted Investment in Bank Stock Restricted investments in bank stock consist of FHLBank of Pittsburgh (“FHLB”) stock and Atlantic Community Bankers Bank (“ACBB”) stock. The restricted stocks are carried at cost. Federal law requires a member institution of the FHLB to hold stock of its district FHLB according to a predetermined formula. The Bank had FHLB stock at a carrying value of $ 1.9 million and $ 2.4 million as of September 30, 2024 and December 31, 2023, respectively. The Bank had ACBB stock at a carrying value of $ 40 thousand at September 30, 2024 and December 31, 2023. Management evaluates the FHLB and ACBB restricted stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the issuer as compared to the capital stock amount for the issuer and the length of time this situation has persisted, (2) commitments by the issuer to make payments required by law or regulation and the level of such payments in relation to the operating performance of the issuer, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the issuer. Based upon its evaluation of the foregoing criteria, management believes no impairment charge is necessary related to the FHLB or ACBB stock as of September 30, 2024.

Loans and Credit Quality

Loans and Credit Quality	9 Months Ended
Loans and Credit Quality	Sep. 30, 2024
Loans and Credit Quality [Abstract]
Loans and Credit Quality	Note 5 – Loans and Credit Quality The following table presents the composition of loans receivable at September 30, 2024 and December 31, 2023, respectively: September 30, 2024 December 31, 2023 Percentage of Percentage of Balance total Loans Balance total Loans (Dollars in Thousands) Commercial real estate $ 534,004 42.45 % $ 539,034 43.00 % Commercial construction 19,886 1.58 % 16,840 1.34 % Commercial 37,185 2.95 % 33,951 2.71 % Residential real estate 666,491 52.98 % 663,127 52.90 % Consumer 518 0.04 % 565 0.05 % Total loans 1,258,084 100.00 % 1,253,517 100.00 % Unearned origination fees 646 522 Allowance for credit losses ( 12,206 ) ( 12,461 ) Net Loans $ 1,246,524 $ 1,241,578 The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weakness), substandard (well defined weakness) and doubtful (full collection unlikely) within the Company's internal risk rating system as of September 30, 2024 by year of origination: 2024 2023 2022 2021 2020 Prior Revolving Total (In Thousands) Commercial real estate Pass $ 39,974 $ 59,399 $ 147,920 $ 49,038 $ 58,286 $ 168,955 $ 9,084 $ 532,656 Special Mention - - - 136 - - - 136 Substandard - - - - - 1,212 - 1,212 Total 39,974 59,399 147,920 49,174 58,286 170,167 9,084 534,004 Commercial construction Pass 2,617 4,264 7,544 5,139 - 29 - 19,593 Special Mention - - - - - - - - Substandard - - - - - 238 55 293 Total 2,617 4,264 7,544 5,139 - 267 55 19,886 Commercial Pass 5,985 1,717 3,534 754 2,668 12,435 6,643 33,736 Special Mention 191 - 409 922 147 20 1,760 3,449 Substandard - - - - - - - - Total 6,176 1,717 3,943 1,676 2,815 12,455 8,403 37,185 Residential real estate Pass 57,133 67,023 89,936 146,767 131,372 151,130 21,879 665,240 Special Mention - - - - - 425 - 425 Substandard - - 43 196 - 587 - 826 Total 57,133 67,023 89,979 146,963 131,372 152,142 21,879 666,491 Consumer Pass 98 73 83 13 - 4 247 518 Special Mention - - - - - - - - Substandard - - - - - - - - Total 98 73 83 13 - 4 247 518 Total Loans Receivable $ 105,998 $ 132,476 $ 249,469 $ 202,965 $ 192,473 $ 335,035 $ 39,668 $ 1,258,084 The Company had gross charge-offs of $ 11 thousand during the nine months ending September 30, 2024. One ( 1 ) charge-off of $ 5 thousand was a consumer loan originated in 2021 and one ( 1 ) charge-off of $ 6 thousand was a consumer loan originated in 2023. The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weakness), substandard (well defined weakness) and doubtful (full collection unlikely) within the Company's internal risk rating system as of December 31, 2023 by year of origination: 2023 2022 2021 2020 2019 Prior Revolving Total (In Thousands) Commercial real estate Pass $ 62,467 $ 160,257 $ 58,094 $ 64,146 $ 26,835 $ 157,888 $ 8,094 $ 537,781 Special Mention - - - - - - - - Substandard - - - - - 1,253 - 1,253 Total 62,467 160,257 58,094 64,146 26,835 159,141 8,094 539,034 Commercial construction Pass 2,071 8,591 5,412 - 440 30 - 16,544 Special Mention - - - - - - - - Substandard - - - - - 241 55 296 Total 2,071 8,591 5,412 - 440 271 55 16,840 Commercial Pass 2,236 4,851 2,260 3,312 5,388 9,311 6,572 33,930 Special Mention - - - - 21 - - 21 Substandard - - - - - - - - Total 2,236 4,851 2,260 3,312 5,409 9,311 6,572 33,951 Residential real estate Pass 75,372 96,032 158,135 142,318 46,035 122,252 21,423 661,567 Special Mention - - - - - 443 - 443 Substandard - - - - 173 944 - 1,117 Total 75,372 96,032 158,135 142,318 46,208 123,639 21,423 663,127 Consumer Pass 130 118 22 1 13 11 270 565 Special Mention - - - - - - - - Substandard - - - - - - - - Total 130 118 22 1 13 11 270 565 Total Loans Receivable $ 142,276 $ 269,849 $ 223,923 $ 209,777 $ 78,905 $ 292,373 $ 36,414 $ 1,253,517 The Company had no loans that were charged off during the year ended December 31, 2023. At September 30, 2024, the Company had no foreclosed assets and had one ( 1 ) recorded investment in mortgage loans collateralized by residential real estate property in the process of foreclosure in the amount of $ 173 thousand. At December 31, 2023, the Company had no foreclosed assets and had one ( 1 ) recorded investment in a mortgage loan collateralized by residential real estate property in the process of foreclosure in the amount of $ 121 thousand. The following table presents the carrying value and related allowance for credit losses of individually analyzed loans at September 30, 2024 and December 31, 2023, respectively: September 30, 2024 December 31, 2023 Recorded Investment Unpaid Principal Balance Related Allowance for Credit Losses Recorded Investment Unpaid Principal Balance Related Allowance for Credit Losses (In Thousands) With no related allowance recorded: Commercial real estate (1) $ 1,348 $ 1,348 $ 1,303 $ 1,543 Commercial construction (1) 55 55 55 55 Commercial (1) 513 513 - - Residential real estate (1) 970 973 1,202 1,206 Consumer - - - - With an allowance recorded: Commercial real estate $ - $ - $ - $ - $ - $ - Commercial construction (1) 238 238 19 241 241 22 Commercial (2) 35 35 35 21 21 21 Residential real estate (1) 425 425 82 516 516 152 Consumer - - - - - - Total: Commercial real estate $ 1,348 $ 1,348 $ - $ 1,303 $ 1,543 $ - Commercial construction 293 293 19 296 296 22 Commercial 548 548 35 21 21 21 Residential real estate 1,395 1,398 82 1,718 1,722 152 Consumer - - - - - - $ 3,584 $ 3,587 $ 136 $ 3,338 $ 3,582 $ 195 1. All loans are real estate collateral dependent. 2. All loans are non-collateral dependent loans. The following table presents non-accrual loans by classes of the loan portfolio: September 30, 2024 December 31, 2023 (In Thousands) Commercial real estate $ 136 $ - Commercial construction - - Commercial 528 - Residential real estate 544 366 Consumer - - Total $ 1,208 $ 366 As of September 30, 2024, there were seven (7) loans in non-accrual status in the amount of $ 1.2 million, of which one (1) loan of $ 15 thousand is non-collateral dependent and required a related allowance of $ 15 thousand. The remaining collateral dependent non-accrual loans did not have a required related allowance. There was interest income of $ 7 thousand and $ 32 thousand recognized for the three and nine months ended September 30, 2024, respectively, on non-accrual loans. As of December 31, 2023, there were three (3) loans in non-accrual status in the amount of $ 366 thousand. There was a required related allowance of $ 66 thousand for these collateral dependent non-accrual loans. The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of September 30, 2024 and December 31, 2023, respectively: Greater Loan than Receivables > 30-59 Days 60-89 Days 90 Days Total Total Loan 90 Days and Past Due Past Due Past Due Past Due Current Receivables Accruing September 30, 2024 (In Thousands) Commercial real estate $ 349 $ - $ 136 $ 485 $ 533,519 $ 534,004 $ - Commercial construction - - - - 19,886 19,886 - Commercial - 15 - 15 37,170 37,185 - Residential real estate 1,490 - 501 1,991 664,500 666,491 - Consumer 4 - - 4 514 518 - Total $ 1,843 $ 15 $ 637 $ 2,495 $ 1,255,589 $ 1,258,084 $ - December 31, 2023 Commercial real estate $ 630 $ - $ - $ 630 $ 538,404 $ 539,034 $ - Commercial construction - - - - 16,840 16,840 - Commercial - - - - 33,951 33,951 - Residential real estate 344 - 193 537 662,590 663,127 - Consumer - - - - 565 565 - Total $ 974 $ - $ 193 $ 1,167 $ 1,252,350 $ 1,253,517 $ - The following tables detail the activity in the allowance for credit losses for the three and nine months ended September 30, 2024 and September 30, 2023, respectively: Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total Allowance for credit losses (In Thousands) Three Months Ending September 30, 2024 Beginning Balance - June 30, 2024 $ 6,017 $ 227 $ 525 $ 5,438 $ 39 $ - $ 12,246 Charge-offs - - - - - - - Recoveries - - - - - - - Provisions (credits) on loans ( 22 ) 6 ( 9 ) ( 9 ) ( 6 ) - ( 40 ) Ending Balance - September 30, 2024 $ 5,995 $ 233 $ 516 $ 5,429 $ 33 $ - $ 12,206 Nine Months Ending September 30, 2024 Beginning Balance - December 31, 2023 $ 6,108 $ 195 $ 920 $ 5,224 $ 14 $ - $ 12,461 Charge-offs - - - - ( 11 ) - ( 11 ) Recoveries 240 - - - - - 240 Provisions (credits) on loans ( 353 ) 38 ( 404 ) 205 30 - ( 484 ) Ending Balance - September 30, 2024 $ 5,995 $ 233 $ 516 $ 5,429 $ 33 $ - $ 12,206 Allowance for credit losses Three Months Ending September 30, 2023 Beginning Balance - June 30, 2023 $ 5,941 $ 317 $ 973 $ 5,299 $ 23 $ 195 $ 12,748 Charge-offs - - - - - - - Recoveries - - - 1 - - 1 Provisions (credits) on loans ( 158 ) 46 ( 37 ) 29 3 ( 183 ) ( 300 ) Ending Balance - September 30, 2023 $ 5,783 $ 363 $ 936 $ 5,329 $ 26 $ 12 $ 12,449 Nine Months Ending September 30, 2023 Beginning Balance - December 31, 2022 $ 5,113 $ 200 $ 1,289 $ 4,960 $ 13 $ 874 $ 12,449 January 1, 2023 adoption of ASU 2016-13 492 77 ( 172 ) 522 19 ( 750 ) 188 Charge-offs - - - - - - - Recoveries - - - 2 - - 2 Provisions (credits) on loans 178 86 ( 181 ) ( 155 ) ( 6 ) ( 112 ) ( 190 ) Ending Balance - September 30, 2023 $ 5,783 $ 363 $ 936 $ 5,329 $ 26 $ 12 $ 12,449 The following tables represent the allocation for credit losses and the related loan portfolio disaggregated based on impairment methodology at September 30, 2024 and December 31, 2023: Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total (In Thousands) September 30, 2024 Allowance for Credit Losses Ending Balance $ 5,995 $ 233 $ 516 $ 5,429 $ 33 $ - $ 12,206 Ending balance: individually evaluated for impairment - real estate collateral dependent $ - $ 19 $ - $ 82 $ - $ - $ 101 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 35 $ - $ - $ - $ 35 Ending balance: collectively evaluated for impairment $ 5,995 $ 214 $ 481 $ 5,347 $ 33 $ - $ 12,070 Loans receivables: Ending balance $ 534,004 $ 19,886 $ 37,185 $ 666,491 $ 518 $ 1,258,084 Ending balance: individually evaluated for impairment - real estate collateral dependent $ 1,348 $ 293 $ 513 $ 1,395 $ - $ 3,549 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 35 $ - $ - $ 35 Ending balance: collectively evaluated for impairment $ 532,656 $ 19,593 $ 36,637 $ 665,096 $ 518 $ 1,254,500 December 31, 2023 Allowance for Credit Losses Ending Balance $ 6,108 $ 195 $ 920 $ 5,224 $ 14 $ - $ 12,461 Ending balance: individually evaluated for impairment - real estate collateral dependent $ - $ 22 $ - $ 152 $ - $ - $ 174 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 21 $ - $ - $ - $ 21 Ending balance: collectively evaluated for impairment $ 6,108 $ 173 $ 899 $ 5,072 $ 14 $ - $ 12,266 Loans receivables: Ending balance $ 539,034 $ 16,840 $ 33,951 $ 663,127 $ 565 $ 1,253,517 Ending balance: individually evaluated for impairment - real estate collateral dependent $ 1,303 $ 296 $ - $ 1,718 $ - $ 3,317 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 21 $ - $ - $ 21 Ending balance: collectively evaluated for impairment $ 537,731 $ 16,544 $ 33,930 $ 661,409 $ 565 $ 1,250,179 Based on the guidance in ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , a loan modification or refinancing results in a new loan if the terms of the new loan are at least as favorable to the lender as the terms with customers with similar collection risks that are not refinancing or restricting their loans and the modification to the terms of the loan are more than minor. If a loan modification or refinancing does not result in a new loan, it is classified as a loan modification. There are additional disclosures for modification of loans with borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows. The disclosures are applicable to situations where there is principal forgiveness, interest rate reductions, other than insignificant payment delays, term extensions, or a combination of any of these items. If the Company modifies any loans to borrowers in financial distress that involves principal forgiveness, the amount of principal that is forgiven is charged off against the allowance for credit losses. The Company had no new loan modifications to borrowers experiencing financial difficulties in the three months ending September 30, 2024. The Company had no new loan modifications to borrowers experiencing financial difficulties in the three and nine months ending September 30, 2023, and there were no modifications to borrowers experiencing financial difficulties that were outstanding at September 30, 2023. The following table presents new loan modifications for credit concerns during the nine months ending September 30, 2024: Number of Loans Pre-Modification Outstanding Balance Post- Modification Outstanding Balance (Dollars In Thousands) Nine Months Ending September 30, 2024 Residential real estate 1 $ 79 $ 79 1 $ 79 $ 79 The loan modification listed above was to a borrower experiencing financial distress and had no reserve recorded in the allowance for credit losses at September 30, 2024. The loan also was not past due at September 30, 2024. The modified home equity loan had an extended maturity date compared to the original loan, which represents less than 0.01 % of the total residential real estate loans outstanding at September 30, 2024. There is no commitment to lend additional amounts on this modified loan. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. There were $ 138 thousand of modifications to borrowers experiencing financial difficulties that were outstanding at September 30, 2024.

Deposits

Deposits	9 Months Ended
Deposits	Sep. 30, 2024
Deposits [Abstract]
Deposits	Note 6 – Deposits The components of deposits at September 30, 2024 and December 31, 2023 are as follows: September 30, 2024 December 31, 2023 (In Thousands) Demand, non-interest bearing $ 330,590 $ 328,669 Demand, NOW and money market, interest bearing 280,034 252,400 Savings 445,881 493,129 Time, $250 and over 168,578 138,765 Time, other 310,092 263,270 Total deposits $ 1,535,175 $ 1,476,233 At September 30, 2024, the scheduled maturities of time deposits are as follows (in thousands): 2024 (remainder of the year) $ 153,578 2025 292,285 2026 29,532 2027 1,902 2028 1,265 2029 108 $ 478,670

Short-Term and Long-Term Borrow

Short-Term and Long-Term Borrowings	9 Months Ended
Short-Term and Long-Term Borrowings	Sep. 30, 2024
Short-Term and Long-Term Borrowings [Abstract]
Short-Term and Long-Term Borrowings	Note 7 – Short-term and Long-term Borrowings Securities sold under agreements to repurchase, federal funds purchased, and FHLB short term advances generally represent overnight or less than twelve month borrowings. Long term advances from the FHLB are for periods of twelve months or more and are generally less than sixty months . The Bank has an agreement with the FHLB, which allows for borrowings up to a percentage of qualifying assets. At September 30, 2024, the Bank had a maximum borrowing capacity for short-term and long-term FHLB advances of approximately $ 686.8 million, of which $ 664.8 million is available for borrowing at September 30, 2024. This borrowing capacity with the FHLB includes a line of credit of $ 150.0 million. The Bank had an outstanding FHLB letter of credit in the amount of $ 160 thousand as of September 30, 2024. There were $ 21.9 million FHLB short-term advances outstanding as of September 30, 2024 with an interest rate of 5.239 %, which matured and was repaid on October 1, 2024. The Company had no long-term FHLB advances outstanding as of September 30, 2024. There were $ 35.0 million short-term FHLB advances outstanding and no long-term FHLB advances outstanding as of December 31, 2023. All FHLB borrowings are secured by qualifying assets of the Bank. The Bank has a federal funds line of credit with the ACBB of $ 10.0 million, of which none was outstanding at September 30, 2024 and December 31, 2023. Advances from this line are unsecured. The Bank is also eligible to borrow under the Federal Reserve Bank’s discount window borrowing programs. The Company has a revolving line of credit facility with the ACBB of $ 7.5 million, of which none was outstanding at September 30, 2024 and December 31, 2023. Advances from this line are unsecured. Under the terms of this renewed facility, availability under the revolving line of credit would be reduced to $ 5.0 million should the Company’s net tangible equity ratio drop below 5 % and availability would be reduced to $ 2.0 million should the Company’s net tangible equity ratio drop below 2 %. If the Company’s net tangible equity ratio drops below 0 %, the commitment is cancelled.

Stock Incentive Plan and Employ

Stock Incentive Plan and Employee Stock Purchase Plan	9 Months Ended
Stock Incentive Plan and Employee Stock Purchase Plan	Sep. 30, 2024
Stock Incentive Plan and Employee Stock Purchase Plan [Abstract]
Stock Incentive Plan and Employee Stock Purchase Plan	Note 8 – Stock Incentive Plan and Employee Stock Purchase Plan Stock Incentive Plan: The Company maintains the Embassy Bancorp, Inc. Stock Incentive Plan (the “SIP”), originally adopted by the Company’s shareholders effective June 16, 2010 and subsequently amended, restated, and approved on June 20, 2019. The SIP authorizes the Board of Directors, or a committee authorized by the Board of Directors, to award a stock based incentive to (i) designated officers (including officers who are directors) and other designated employees at the Company and its subsidiaries, and (ii) non-employee members of the Board of Directors and advisors and consultants to the Company and its subsidiaries. The SIP provides for stock based incentives in the form of incentive stock options as provided in Section 422 of the Internal Revenue Code of 1986, non-qualified stock options, stock appreciation rights, restricted stock and deferred stock awards. The term of the option, the amount of time for the option to vest after grant, if any, and other terms and limitations will be determined at the time of grant. Options granted under the SIP may not have an exercise period that is more than ten years from the time the option is granted. The maximum number of shares of common stock authorized for issuance under the SIP is 756,356 . The SIP provides for appropriate adjustments in the number and kind of shares available for grant or subject to outstanding awards under the SIP to avoid dilution in the event of a merger, stock splits, stock dividends or other changes in the capitalization of the Company. The SIP expires on June 20, 2029 . At September 30, 2024, there were 375,155 shares available for issuance under the SIP. The Company grants shares of restricted stock, under the SIP, to certain members of its Board of Directors as compensation for their services, in accordance with the Company’s Non-employee Directors Compensation program adopted in October 2010. The Company also grants restricted stock to certain officers under individual agreements with these officers. Some of these restricted stock awards vest immediately, while the remainder vest over the service period of two years to nine years . Management recognizes compensation expense for the fair value of the restricted stock awards on a straight-line basis over the requisite service period. Since inception of the plan and through the nine months ended September 30, 2024, there have been 264,958 awards granted. There were no awards granted during the three months ended September 30, 2024 and September 30, 2023. During the nine months ended September 30, 2024 and September 30, 2023 there were 18,843 and 13,877 awards granted, respectively. During the three and nine months ended September 30, 2024, the Company recognized compensation expense for restricted stock awards of $ 62 thousand and $ 462 thousand, respectively. During the three and nine months ended September 30, 2023, the Company recognized compensation expense for restricted stock awards of $ 77 thousand and $ 492 thousand, respectively. Employee Stock Purchase Plan: On January 1, 2017, the Company implemented the Embassy Bancorp, Inc. Employee Stock Purchase Plan (“ESPP”), which was approved by the Company’s shareholders at the annual meeting held on June 16, 2016. Under the ESPP, each employee of the Company and its subsidiaries who is employed on an offering date and customarily is scheduled to work at least twenty ( 20 ) hours per week and more than five ( 5 ) months in a calendar year is eligible to participate. The purchase price for shares purchased under the ESPP is 95 % of the fair market value of such shares on the date of purchase. The purchase price may be adjusted from time to time by the Board of Directors; provided, however, that the discount to fair market value shall not exceed 15 %. The Company has authorized 350,000 shares of its common stock for the ESPP, of which 30,129 shares have been issued as of September 30, 2024. The Company recognized discount expense in relation to the ESPP of $ 1 thousand and $ 3 thousand for the three and nine months ended September 30, 2024 and September 30, 2023, respectively.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	9 Months Ended
Other Comprehensive Income (Loss)	Sep. 30, 2024
Other Comprehensive Income (Loss) [Abstract]
Other Comprehensive Income (Loss)	Note 9 – Other Comprehensive Income (Loss) US GAAP requires that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss). Management believes that the unrealized losses on securities available for sale are primarily a result of the increasing market interest rates since the time of purchase and the overall current market conditions. The components of other comprehensive income (loss) both before tax and net of tax are as follows: Three Months Ended September 30, 2024 2023 (In Thousands) Before Tax Net of Before Tax Net of Tax Effect Tax Tax Effect Tax Change in accumulated other comprehensive loss: Unrealized holding gains (losses) on securities available for sale $ 11,496 $ ( 2,414 ) $ 9,082 $ ( 15,833 ) $ 3,325 $ ( 12,508 ) Reclassification adjustments for gains on securities transactions included in net income (A),(B) - - - - - - Total other comprehensive income (loss) $ 11,496 $ ( 2,414 ) $ 9,082 $ ( 15,833 ) $ 3,325 $ ( 12,508 ) Nine Months Ended September 30, 2024 2023 (In Thousands) Before Tax Net of Before Tax Net of Tax Effect Tax Tax Effect Tax Change in accumulated other comprehensive loss: Unrealized holding gains (losses) on securities available for sale $ 4,789 $ ( 1,006 ) $ 3,783 $ ( 12,466 ) $ 2,618 $ ( 9,848 ) Reclassification adjustments for gains on securities transactions included in net income (A),(B) - - - - - - Total other comprehensive income (loss) $ 4,789 $ ( 1,006 ) $ 3,783 $ ( 12,466 ) $ 2,618 $ ( 9,848 ) A. Realized gains on securities transactions included in gain on sales of securities in the accompanying Consolidated Statements of Income, as applicable. B. Tax effect included in income tax expense in the accompanying Consolidated Statements of Income. There were no realized gains on securities available for sale for the three and nine months ended September 30, 2024 and 2023. A summary of the accumulated other comprehensive loss, net of tax, is as follows: Securities Available for Sale Three Months Ended September 30, 2024 and 2023 (In Thousands) Balance June 30, 2024 $ ( 48,999 ) Other comprehensive income before reclassifications 9,082 Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive income during the period 9,082 Balance September 30, 2024 $ ( 39,917 ) Balance June 30, 2023 $ ( 48,447 ) Other comprehensive loss before reclassifications ( 12,508 ) Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive loss during the period ( 12,508 ) Balance September 30, 2023 $ ( 60,955 ) Nine Months Ended September 30, 2024 and 2023 Balance January 1, 2024 $ ( 43,700 ) Other comprehensive income before reclassifications 3,783 Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive income during the period 3,783 Balance September 30, 2024 $ ( 39,917 ) Balance January 1, 2023 $ ( 51,107 ) Other comprehensive loss before reclassifications ( 9,848 ) Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive loss during the period ( 9,848 ) Balance September 30, 2023 $ ( 60,955 )

Basic and Diluted Earnings per

Basic and Diluted Earnings per Share	9 Months Ended
Basic and Diluted Earnings per Share	Sep. 30, 2024
Basic and Diluted Earnings per Share [Abstract]
Basic and Diluted Earnings Per Share	No te 10 – Basic and Diluted Earnings per Share Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period, as adjusted for stock dividends and splits. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustments to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. Three Months Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 (Dollars In Thousands, Except Share and Per Share Data) Net income $ 2,714 $ 3,002 $ 7,742 $ 9,836 Weighted average shares outstanding 7,617,691 7,603,175 7,612,311 7,598,968 Dilutive effect of potential common shares, stock options - - - - Diluted weighted average common shares outstanding 7,617,691 7,603,175 7,612,311 7,598,968 Basic earnings per share $ 0.36 $ 0.39 $ 1.02 $ 1.29 Diluted earnings per share $ 0.36 $ 0.39 $ 1.02 $ 1.29 There were no stock options not considered in computing diluted earnings per common share for the three and nine months ended September 30, 2024 and September 30, 2023.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
Fair Value Measurements	Sep. 30, 2024
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 11 – Fair Value Measurements The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. Fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. US GAAP establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are as follows: Level 1 : Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 : Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability. Level 3 : Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity). An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy utilized at September 30, 2024 and December 31, 2023, respectively, are as follows: (Level 1) (Level 2) Quoted Significant (Level 3) Prices in Active Other Significant Markets for Observable Unobservable Description Identical Assets Inputs Inputs Total (In Thousands) U.S. Treasury securities $ - $ 39,468 $ - $ 39,468 U.S. Government agency obligations - 17,404 - 17,404 Municipal bonds - 61,099 - 61,099 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial - 455 - 455 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 189,631 - 189,631 September 30, 2024 Securities available for sale $ - $ 308,057 $ - $ 308,057 U.S. Treasury securities $ - $ 14,590 $ - $ 14,590 U.S. Government agency obligations - 2,339 - 2,339 Municipal bonds - 60,796 - 60,796 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial - 442 - 442 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 197,893 - 197,893 December 31, 2023 Securities available for sale $ - $ 276,060 $ - $ 276,060 The fair value of securities available for sale are determined by matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted prices. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the security’s terms and conditions, among other things. For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2024 and December 31, 2023, respectively, are as follows: (Level 1) (Level 2) Quoted Significant (Level 3) Prices in Active Other Significant Markets for Observable Unobservable Description Identical Assets Inputs Inputs Total (In Thousands) September 30, 2024 Loans Individually evaluated for credit losses $ - $ - $ 562 $ 562 December 31, 2023 Loans Individually evaluated for credit losses $ - $ - $ 583 $ 583 Loans individually evaluated for credit losses are those that are accounted for under existing Financial Accounting Standards Board (“FASB”) guidance , in which the Bank has measured impairment generally based on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. Fair values may also include qualitative adjustments by management based on economic conditions and liquidation expenses. These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements. At September 30, 2024, of the loans individually evaluated for credit losses having an aggregate balance of $ 3.6 million, $ 2.9 million did not require a valuation allowance because the value of the collateral, including estimated selling costs, securing the loan was determined to meet or exceed the balance owed on the loan. Of the remaining $ 698 thousand in loans individually evaluated for credit losses , an aggregate valuation allowance of $ 136 thousand was required to reflect what was determined to be a shortfall in the value of the collateral as compared to the balance on such loans. Real estate properties acquired through, or in lieu of, foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices or appraised value of the property. These assets would be included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement. At September 30, 2024 and December 31, 2023, respectively, the Company had no real estate properties acquired through, or in lieu of, foreclosure. The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level 3 Fair Value Measurements Description Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) (Dollars In Thousands) September 30, 2024: Loans Individually evaluated for credit losses $ 562 Appraisal of real estate collateral Appraisal adjustments (1) 0 % to - 25 % (- 25.0 %) and pending agreement of sale Liquidation expenses (2) 0 % to - 7.5 % (- 7.5 %) December 31, 2023: Loans Individually evaluated for credit losses $ 583 Appraisal of real estate collateral Appraisal adjustments (1) 0 % to - 25 % (- 24.8 %) and pending agreement of sale Liquidation expenses (2) 0 % to - 10.0 % (- 7.5 %) 1. Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal. 2. Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale. The estimated fair values of the Company’s financial instruments were as follows at September 30, 2024 and December 31, 2023: (Level 1) Quoted (Level 2) Prices in Significant (Level 3) Active Other Significant Carrying Fair Value Markets for Observable Unobservable Amount Estimate Identical Assets Inputs Inputs (In Thousands) September 30, 2024: Financial assets: Cash and cash equivalents $ 91,907 $ 91,907 $ 91,907 $ - $ - Securities available-for-sale 308,057 308,057 - 308,057 - Loans receivable, net of allowance 1,246,524 1,174,043 - - 1,174,043 Restricted investments in bank stock 1,913 1,913 - 1,913 - Accrued interest receivable 3,457 3,457 - 3,457 - Financial liabilities: Deposits 1,535,175 1,533,455 - 1,533,455 - Securities sold under agreements to repurchase and federal funds purchased 18,223 18,223 - 18,223 - Short-term borrowings 21,875 21,875 - 21,875 - Accrued interest payable 8,126 8,126 - 8,126 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - - December 31, 2023: Financial assets: Cash and cash equivalents $ 78,923 $ 78,923 $ 78,923 $ - $ - Securities available-for-sale 276,060 276,060 - 276,060 - Loans receivable, net of allowance 1,241,578 1,150,233 - - 1,150,233 Restricted investments in bank stock 2,458 2,458 - 2,458 - Accrued interest receivable 3,298 3,298 - 3,298 - Financial liabilities: Deposits 1,476,233 1,472,497 - 1,472,497 - Securities sold under agreements to repurchase and federal funds purchased 15,237 15,237 - 15,237 - Short-term borrowings 35,000 35,000 - 35,000 - Accrued interest payable 7,844 7,844 - 7,844 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - -

Basis of Presentation (Policy)

Basis of Presentation (Policy)	9 Months Ended
Basis of Presentation (Policy)	Sep. 30, 2024
Basis of Presentation [Abstract]
Principles of Consolidation and Nature of Operations	Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. Embassy Holdings, LLC (the “LLC”) is a wholly-owned subsidiary of the Bank organized to engage in the holding of property acquired by the Bank in satisfaction of debts previously contracted. As such, the consolidated financial statements contained herein include the accounts of the Company, the Bank and the LLC. All significant intercompany transactions and balances have been eliminated. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area.
Basis of Accounting	The accompanying unaudited financial statements have been prepared in accordance with United States of America generally accepted accounting principles (“US GAAP”) for interim financial information and in accordance with instructions for Form 10-Q and Rule 10-01 of the Securities and Exchange Commission Regulation S-X. Accordingly, they do not include all of the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024. The consolidated financial statements presented in this report should be read in conjunction with the audited consolidated financial statements and the accompanying notes for the year ended December 31, 2023, included in the Company’s Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 28, 2024. The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the unaudited consolidated financial statements included in this Quarterly Report on Form 10-Q were issued. Certain amounts in the 2023 consolidated financial statements may have been reclassified to conform to 2024 presentation. These reclassifications had no effect on 2023 net income.

Securities Available for Sale (

Securities Available for Sale (Tables)	9 Months Ended
Securities Available for Sale (Tables)	Sep. 30, 2024
Securities Available for Sale [Abstract]
Amortized Cost and Fair Values of Securities Available For Sale	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) September 30, 2024: U.S. Treasury securities $ 39,507 $ 39 $ ( 78 ) $ 39,468 U.S. Government agency obligations 17,429 35 ( 60 ) 17,404 Municipal bonds 72,691 45 ( 11,637 ) 61,099 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial 508 - ( 53 ) 455 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 228,449 2 ( 38,820 ) 189,631 Total $ 358,584 $ 121 $ ( 50,648 ) $ 308,057 December 31, 2023: U.S. Treasury securities $ 14,867 $ - $ ( 277 ) $ 14,590 U.S. Government agency obligations 2,463 - ( 124 ) 2,339 Municipal bonds 73,128 73 ( 12,405 ) 60,796 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial 509 - ( 67 ) 442 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 240,409 2 ( 42,518 ) 197,893 Total $ 331,376 $ 75 $ ( 55,391 ) $ 276,060
Securities Available For Sale by Contractual Maturity	Amortized Fair Cost Value (In Thousands) September 30, 2024: Due in one year or less $ 51,915 $ 51,833 Due after one year through five years 7,370 7,312 Due after five years through ten years 6,874 6,644 Due after ten years 63,468 52,182 129,627 117,971 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial 508 455 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential 228,449 189,631 Total $ 358,584 $ 308,057
Investments Gross Unrealized Losses and Fair Value	Less Than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses September 30, 2024: (In Thousands) U.S. Treasury securities $ - $ - $ 9,895 $ ( 78 ) $ 9,895 $ ( 78 ) U.S. Government agency obligations - - 2,420 ( 60 ) 2,420 ( 60 ) Municipal bonds 12,675 ( 664 ) 46,360 ( 10,973 ) 59,035 ( 11,637 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - commercial - - 455 ( 53 ) 455 ( 53 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - residential - - 189,564 ( 38,820 ) 189,564 ( 38,820 ) Total Temporarily Impaired Securities $ 12,675 $ ( 664 ) $ 248,694 $ ( 49,984 ) $ 261,369 $ ( 50,648 ) . December 31, 2023: U.S. Treasury securities $ - $ - $ 14,590 $ ( 277 ) $ 14,590 $ ( 277 ) U.S. Government agency obligations - - 2,339 ( 124 ) 2,339 ( 124 ) Municipal bonds 5,561 ( 201 ) 52,267 ( 12,204 ) 57,828 ( 12,405 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - commercial - - 442 ( 67 ) 442 ( 67 ) U.S. Government Sponsored Enterprise (GSE) - Mortgage -backed securities - residential - - 197,796 ( 42,518 ) 197,796 ( 42,518 ) Total Temporarily Impaired Securities $ 5,561 $ ( 201 ) $ 267,434 $ ( 55,190 ) $ 272,995 $ ( 55,391 )

Loans and Credit Quality (Table

Loans and Credit Quality (Tables)	9 Months Ended
Loans and Credit Quality (Tables)	Sep. 30, 2024
Loans and Credit Quality [Abstract]
Composition of Loans Receivable	September 30, 2024 December 31, 2023 Percentage of Percentage of Balance total Loans Balance total Loans (Dollars in Thousands) Commercial real estate $ 534,004 42.45 % $ 539,034 43.00 % Commercial construction 19,886 1.58 % 16,840 1.34 % Commercial 37,185 2.95 % 33,951 2.71 % Residential real estate 666,491 52.98 % 663,127 52.90 % Consumer 518 0.04 % 565 0.05 % Total loans 1,258,084 100.00 % 1,253,517 100.00 % Unearned origination fees 646 522 Allowance for credit losses ( 12,206 ) ( 12,461 ) Net Loans $ 1,246,524 $ 1,241,578
Schedule of Loan Portfolio by Origination Year	The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weakness), substandard (well defined weakness) and doubtful (full collection unlikely) within the Company's internal risk rating system as of September 30, 2024 by year of origination: 2024 2023 2022 2021 2020 Prior Revolving Total (In Thousands) Commercial real estate Pass $ 39,974 $ 59,399 $ 147,920 $ 49,038 $ 58,286 $ 168,955 $ 9,084 $ 532,656 Special Mention - - - 136 - - - 136 Substandard - - - - - 1,212 - 1,212 Total 39,974 59,399 147,920 49,174 58,286 170,167 9,084 534,004 Commercial construction Pass 2,617 4,264 7,544 5,139 - 29 - 19,593 Special Mention - - - - - - - - Substandard - - - - - 238 55 293 Total 2,617 4,264 7,544 5,139 - 267 55 19,886 Commercial Pass 5,985 1,717 3,534 754 2,668 12,435 6,643 33,736 Special Mention 191 - 409 922 147 20 1,760 3,449 Substandard - - - - - - - - Total 6,176 1,717 3,943 1,676 2,815 12,455 8,403 37,185 Residential real estate Pass 57,133 67,023 89,936 146,767 131,372 151,130 21,879 665,240 Special Mention - - - - - 425 - 425 Substandard - - 43 196 - 587 - 826 Total 57,133 67,023 89,979 146,963 131,372 152,142 21,879 666,491 Consumer Pass 98 73 83 13 - 4 247 518 Special Mention - - - - - - - - Substandard - - - - - - - - Total 98 73 83 13 - 4 247 518 Total Loans Receivable $ 105,998 $ 132,476 $ 249,469 $ 202,965 $ 192,473 $ 335,035 $ 39,668 $ 1,258,084 The Company had gross charge-offs of $ 11 thousand during the nine months ending September 30, 2024. One ( 1 ) charge-off of $ 5 thousand was a consumer loan originated in 2021 and one ( 1 ) charge-off of $ 6 thousand was a consumer loan originated in 2023. The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weakness), substandard (well defined weakness) and doubtful (full collection unlikely) within the Company's internal risk rating system as of December 31, 2023 by year of origination: 2023 2022 2021 2020 2019 Prior Revolving Total (In Thousands) Commercial real estate Pass $ 62,467 $ 160,257 $ 58,094 $ 64,146 $ 26,835 $ 157,888 $ 8,094 $ 537,781 Special Mention - - - - - - - - Substandard - - - - - 1,253 - 1,253 Total 62,467 160,257 58,094 64,146 26,835 159,141 8,094 539,034 Commercial construction Pass 2,071 8,591 5,412 - 440 30 - 16,544 Special Mention - - - - - - - - Substandard - - - - - 241 55 296 Total 2,071 8,591 5,412 - 440 271 55 16,840 Commercial Pass 2,236 4,851 2,260 3,312 5,388 9,311 6,572 33,930 Special Mention - - - - 21 - - 21 Substandard - - - - - - - - Total 2,236 4,851 2,260 3,312 5,409 9,311 6,572 33,951 Residential real estate Pass 75,372 96,032 158,135 142,318 46,035 122,252 21,423 661,567 Special Mention - - - - - 443 - 443 Substandard - - - - 173 944 - 1,117 Total 75,372 96,032 158,135 142,318 46,208 123,639 21,423 663,127 Consumer Pass 130 118 22 1 13 11 270 565 Special Mention - - - - - - - - Substandard - - - - - - - - Total 130 118 22 1 13 11 270 565 Total Loans Receivable $ 142,276 $ 269,849 $ 223,923 $ 209,777 $ 78,905 $ 292,373 $ 36,414 $ 1,253,517 The Company had no loans that were charged off during the year ended December 31, 2023.
Schedule of Impaired Loans	The following table presents the carrying value and related allowance for credit losses of individually analyzed loans at September 30, 2024 and December 31, 2023, respectively: September 30, 2024 December 31, 2023 Recorded Investment Unpaid Principal Balance Related Allowance for Credit Losses Recorded Investment Unpaid Principal Balance Related Allowance for Credit Losses (In Thousands) With no related allowance recorded: Commercial real estate (1) $ 1,348 $ 1,348 $ 1,303 $ 1,543 Commercial construction (1) 55 55 55 55 Commercial (1) 513 513 - - Residential real estate (1) 970 973 1,202 1,206 Consumer - - - - With an allowance recorded: Commercial real estate $ - $ - $ - $ - $ - $ - Commercial construction (1) 238 238 19 241 241 22 Commercial (2) 35 35 35 21 21 21 Residential real estate (1) 425 425 82 516 516 152 Consumer - - - - - - Total: Commercial real estate $ 1,348 $ 1,348 $ - $ 1,303 $ 1,543 $ - Commercial construction 293 293 19 296 296 22 Commercial 548 548 35 21 21 21 Residential real estate 1,395 1,398 82 1,718 1,722 152 Consumer - - - - - - $ 3,584 $ 3,587 $ 136 $ 3,338 $ 3,582 $ 195 1. All loans are real estate collateral dependent. 2. All loans are non-collateral dependent loans.
Schedule of Nonaccrual Loans	September 30, 2024 December 31, 2023 (In Thousands) Commercial real estate $ 136 $ - Commercial construction - - Commercial 528 - Residential real estate 544 366 Consumer - - Total $ 1,208 $ 366
Schedule of Past Due Loans	Greater Loan than Receivables > 30-59 Days 60-89 Days 90 Days Total Total Loan 90 Days and Past Due Past Due Past Due Past Due Current Receivables Accruing September 30, 2024 (In Thousands) Commercial real estate $ 349 $ - $ 136 $ 485 $ 533,519 $ 534,004 $ - Commercial construction - - - - 19,886 19,886 - Commercial - 15 - 15 37,170 37,185 - Residential real estate 1,490 - 501 1,991 664,500 666,491 - Consumer 4 - - 4 514 518 - Total $ 1,843 $ 15 $ 637 $ 2,495 $ 1,255,589 $ 1,258,084 $ - December 31, 2023 Commercial real estate $ 630 $ - $ - $ 630 $ 538,404 $ 539,034 $ - Commercial construction - - - - 16,840 16,840 - Commercial - - - - 33,951 33,951 - Residential real estate 344 - 193 537 662,590 663,127 - Consumer - - - - 565 565 - Total $ 974 $ - $ 193 $ 1,167 $ 1,252,350 $ 1,253,517 $ -
Activity in Allowance for Loan Losses	Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total Allowance for credit losses (In Thousands) Three Months Ending September 30, 2024 Beginning Balance - June 30, 2024 $ 6,017 $ 227 $ 525 $ 5,438 $ 39 $ - $ 12,246 Charge-offs - - - - - - - Recoveries - - - - - - - Provisions (credits) on loans ( 22 ) 6 ( 9 ) ( 9 ) ( 6 ) - ( 40 ) Ending Balance - September 30, 2024 $ 5,995 $ 233 $ 516 $ 5,429 $ 33 $ - $ 12,206 Nine Months Ending September 30, 2024 Beginning Balance - December 31, 2023 $ 6,108 $ 195 $ 920 $ 5,224 $ 14 $ - $ 12,461 Charge-offs - - - - ( 11 ) - ( 11 ) Recoveries 240 - - - - - 240 Provisions (credits) on loans ( 353 ) 38 ( 404 ) 205 30 - ( 484 ) Ending Balance - September 30, 2024 $ 5,995 $ 233 $ 516 $ 5,429 $ 33 $ - $ 12,206 Allowance for credit losses Three Months Ending September 30, 2023 Beginning Balance - June 30, 2023 $ 5,941 $ 317 $ 973 $ 5,299 $ 23 $ 195 $ 12,748 Charge-offs - - - - - - - Recoveries - - - 1 - - 1 Provisions (credits) on loans ( 158 ) 46 ( 37 ) 29 3 ( 183 ) ( 300 ) Ending Balance - September 30, 2023 $ 5,783 $ 363 $ 936 $ 5,329 $ 26 $ 12 $ 12,449 Nine Months Ending September 30, 2023 Beginning Balance - December 31, 2022 $ 5,113 $ 200 $ 1,289 $ 4,960 $ 13 $ 874 $ 12,449 January 1, 2023 adoption of ASU 2016-13 492 77 ( 172 ) 522 19 ( 750 ) 188 Charge-offs - - - - - - - Recoveries - - - 2 - - 2 Provisions (credits) on loans 178 86 ( 181 ) ( 155 ) ( 6 ) ( 112 ) ( 190 ) Ending Balance - September 30, 2023 $ 5,783 $ 363 $ 936 $ 5,329 $ 26 $ 12 $ 12,449
Allocation of Allowance for Loan Losses and Related Loan Portfolio	Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Unallocated Total (In Thousands) September 30, 2024 Allowance for Credit Losses Ending Balance $ 5,995 $ 233 $ 516 $ 5,429 $ 33 $ - $ 12,206 Ending balance: individually evaluated for impairment - real estate collateral dependent $ - $ 19 $ - $ 82 $ - $ - $ 101 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 35 $ - $ - $ - $ 35 Ending balance: collectively evaluated for impairment $ 5,995 $ 214 $ 481 $ 5,347 $ 33 $ - $ 12,070 Loans receivables: Ending balance $ 534,004 $ 19,886 $ 37,185 $ 666,491 $ 518 $ 1,258,084 Ending balance: individually evaluated for impairment - real estate collateral dependent $ 1,348 $ 293 $ 513 $ 1,395 $ - $ 3,549 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 35 $ - $ - $ 35 Ending balance: collectively evaluated for impairment $ 532,656 $ 19,593 $ 36,637 $ 665,096 $ 518 $ 1,254,500 December 31, 2023 Allowance for Credit Losses Ending Balance $ 6,108 $ 195 $ 920 $ 5,224 $ 14 $ - $ 12,461 Ending balance: individually evaluated for impairment - real estate collateral dependent $ - $ 22 $ - $ 152 $ - $ - $ 174 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 21 $ - $ - $ - $ 21 Ending balance: collectively evaluated for impairment $ 6,108 $ 173 $ 899 $ 5,072 $ 14 $ - $ 12,266 Loans receivables: Ending balance $ 539,034 $ 16,840 $ 33,951 $ 663,127 $ 565 $ 1,253,517 Ending balance: individually evaluated for impairment - real estate collateral dependent $ 1,303 $ 296 $ - $ 1,718 $ - $ 3,317 Ending balance: individually evaluated for impairment - non-collateral dependent $ - $ - $ 21 $ - $ - $ 21 Ending balance: collectively evaluated for impairment $ 537,731 $ 16,544 $ 33,930 $ 661,409 $ 565 $ 1,250,179
Schedule of New Restructured Loans	Number of Loans Pre-Modification Outstanding Balance Post- Modification Outstanding Balance (Dollars In Thousands) Nine Months Ending September 30, 2024 Residential real estate 1 $ 79 $ 79 1 $ 79 $ 79

Deposits (Tables)

Deposits (Tables)	9 Months Ended
Deposits (Tables)	Sep. 30, 2024
Deposits [Abstract]
Components of Deposits	September 30, 2024 December 31, 2023 (In Thousands) Demand, non-interest bearing $ 330,590 $ 328,669 Demand, NOW and money market, interest bearing 280,034 252,400 Savings 445,881 493,129 Time, $250 and over 168,578 138,765 Time, other 310,092 263,270 Total deposits $ 1,535,175 $ 1,476,233
Scheduled Maturities of Time Deposits	2024 (remainder of the year) $ 153,578 2025 292,285 2026 29,532 2027 1,902 2028 1,265 2029 108 $ 478,670

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	9 Months Ended
Other Comprehensive Income (Loss) (Tables)	Sep. 30, 2024
Other Comprehensive Income (Loss) [Abstract]
Components of Other Comprehensive (Loss) Income, both Before Tax and Net of Tax	Three Months Ended September 30, 2024 2023 (In Thousands) Before Tax Net of Before Tax Net of Tax Effect Tax Tax Effect Tax Change in accumulated other comprehensive loss: Unrealized holding gains (losses) on securities available for sale $ 11,496 $ ( 2,414 ) $ 9,082 $ ( 15,833 ) $ 3,325 $ ( 12,508 ) Reclassification adjustments for gains on securities transactions included in net income (A),(B) - - - - - - Total other comprehensive income (loss) $ 11,496 $ ( 2,414 ) $ 9,082 $ ( 15,833 ) $ 3,325 $ ( 12,508 ) Nine Months Ended September 30, 2024 2023 (In Thousands) Before Tax Net of Before Tax Net of Tax Effect Tax Tax Effect Tax Change in accumulated other comprehensive loss: Unrealized holding gains (losses) on securities available for sale $ 4,789 $ ( 1,006 ) $ 3,783 $ ( 12,466 ) $ 2,618 $ ( 9,848 ) Reclassification adjustments for gains on securities transactions included in net income (A),(B) - - - - - - Total other comprehensive income (loss) $ 4,789 $ ( 1,006 ) $ 3,783 $ ( 12,466 ) $ 2,618 $ ( 9,848 ) A. Realized gains on securities transactions included in gain on sales of securities in the accompanying Consolidated Statements of Income, as applicable. B. Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.
Summary of Accumulated Other Comprehensive Loss, Net of Tax	Securities Available for Sale Three Months Ended September 30, 2024 and 2023 (In Thousands) Balance June 30, 2024 $ ( 48,999 ) Other comprehensive income before reclassifications 9,082 Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive income during the period 9,082 Balance September 30, 2024 $ ( 39,917 ) Balance June 30, 2023 $ ( 48,447 ) Other comprehensive loss before reclassifications ( 12,508 ) Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive loss during the period ( 12,508 ) Balance September 30, 2023 $ ( 60,955 ) Nine Months Ended September 30, 2024 and 2023 Balance January 1, 2024 $ ( 43,700 ) Other comprehensive income before reclassifications 3,783 Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive income during the period 3,783 Balance September 30, 2024 $ ( 39,917 ) Balance January 1, 2023 $ ( 51,107 ) Other comprehensive loss before reclassifications ( 9,848 ) Amounts reclassified from accumulated other comprehensive loss - Net other comprehensive loss during the period ( 9,848 ) Balance September 30, 2023 $ ( 60,955 )

Basic and Diluted Earnings pe_2

Basic and Diluted Earnings per Share (Tables)	9 Months Ended
Basic and Diluted Earnings per Share (Tables)	Sep. 30, 2024
Basic and Diluted Earnings per Share [Abstract]
Earnings per Share	Three Months Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 (Dollars In Thousands, Except Share and Per Share Data) Net income $ 2,714 $ 3,002 $ 7,742 $ 9,836 Weighted average shares outstanding 7,617,691 7,603,175 7,612,311 7,598,968 Dilutive effect of potential common shares, stock options - - - - Diluted weighted average common shares outstanding 7,617,691 7,603,175 7,612,311 7,598,968 Basic earnings per share $ 0.36 $ 0.39 $ 1.02 $ 1.29 Diluted earnings per share $ 0.36 $ 0.39 $ 1.02 $ 1.29

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
Fair Value Measurements (Tables)	Sep. 30, 2024
Fair Value Measurements [Abstract]
Fair Value of Financial Assets Measured on Recurring Basis	(Level 1) (Level 2) Quoted Significant (Level 3) Prices in Active Other Significant Markets for Observable Unobservable Description Identical Assets Inputs Inputs Total (In Thousands) U.S. Treasury securities $ - $ 39,468 $ - $ 39,468 U.S. Government agency obligations - 17,404 - 17,404 Municipal bonds - 61,099 - 61,099 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial - 455 - 455 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 189,631 - 189,631 September 30, 2024 Securities available for sale $ - $ 308,057 $ - $ 308,057 U.S. Treasury securities $ - $ 14,590 $ - $ 14,590 U.S. Government agency obligations - 2,339 - 2,339 Municipal bonds - 60,796 - 60,796 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial - 442 - 442 U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential - 197,893 - 197,893 December 31, 2023 Securities available for sale $ - $ 276,060 $ - $ 276,060
Fair Value of Financial Assets Measured on Nonrecurring Basis	(Level 1) (Level 2) Quoted Significant (Level 3) Prices in Active Other Significant Markets for Observable Unobservable Description Identical Assets Inputs Inputs Total (In Thousands) September 30, 2024 Loans Individually evaluated for credit losses $ - $ - $ 562 $ 562 December 31, 2023 Loans Individually evaluated for credit losses $ - $ - $ 583 $ 583
Quantitative Information about Level 3 Fair Value Measurements	Quantitative Information about Level 3 Fair Value Measurements Description Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) (Dollars In Thousands) September 30, 2024: Loans Individually evaluated for credit losses $ 562 Appraisal of real estate collateral Appraisal adjustments (1) 0 % to - 25 % (- 25.0 %) and pending agreement of sale Liquidation expenses (2) 0 % to - 7.5 % (- 7.5 %) December 31, 2023: Loans Individually evaluated for credit losses $ 583 Appraisal of real estate collateral Appraisal adjustments (1) 0 % to - 25 % (- 24.8 %) and pending agreement of sale Liquidation expenses (2) 0 % to - 10.0 % (- 7.5 %) 1. Appraisals may be adjusted by management for qualitative factors including economic conditions and the age of the appraisal. The range and weighted average of appraisal adjustments are presented as a percent of the appraisal. 2. Appraisals and pending agreements of sale are adjusted by management for liquidation expenses. The range and weighted average of liquidation expense adjustments are presented as a percent of the appraisal or pending agreement of sale.
Estimated Fair Value of Financial Instruments	(Level 1) Quoted (Level 2) Prices in Significant (Level 3) Active Other Significant Carrying Fair Value Markets for Observable Unobservable Amount Estimate Identical Assets Inputs Inputs (In Thousands) September 30, 2024: Financial assets: Cash and cash equivalents $ 91,907 $ 91,907 $ 91,907 $ - $ - Securities available-for-sale 308,057 308,057 - 308,057 - Loans receivable, net of allowance 1,246,524 1,174,043 - - 1,174,043 Restricted investments in bank stock 1,913 1,913 - 1,913 - Accrued interest receivable 3,457 3,457 - 3,457 - Financial liabilities: Deposits 1,535,175 1,533,455 - 1,533,455 - Securities sold under agreements to repurchase and federal funds purchased 18,223 18,223 - 18,223 - Short-term borrowings 21,875 21,875 - 21,875 - Accrued interest payable 8,126 8,126 - 8,126 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - - December 31, 2023: Financial assets: Cash and cash equivalents $ 78,923 $ 78,923 $ 78,923 $ - $ - Securities available-for-sale 276,060 276,060 - 276,060 - Loans receivable, net of allowance 1,241,578 1,150,233 - - 1,150,233 Restricted investments in bank stock 2,458 2,458 - 2,458 - Accrued interest receivable 3,298 3,298 - 3,298 - Financial liabilities: Deposits 1,476,233 1,472,497 - 1,472,497 - Securities sold under agreements to repurchase and federal funds purchased 15,237 15,237 - 15,237 - Short-term borrowings 35,000 35,000 - 35,000 - Accrued interest payable 7,844 7,844 - 7,844 - Off-balance sheet financial instruments: Commitments to grant loans - - - - - Unfunded commitments under lines of credit - - - - - Standby letters of credit - - - - -

Securities Available for Sale_2

Securities Available for Sale (Narrative) (Details)	3 Months Ended		9 Months Ended
Securities Available for Sale (Narrative) (Details)	Sep. 30, 2024 USD ($) security	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) security	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($) security
Securities Available for Sale [Abstract]
Securities pledged as collateral	$ 163,900,000		$ 163,900,000		$ 145,700,000
Sale of securities	$ 0	$ 0	$ 0	$ 0
Securities in an unrealized loss position \| security	188		188		189
Available for sale debt securities, allowance for credit loss	$ 0		$ 0		$ 0

Securities Available for Sale_3

Securities Available for Sale (Amortized Cost and Fair Values of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 358,584	$ 331,376
Gross Unrealized Gains	121	75
Gross Unrealized Losses	(50,648)	(55,391)
Fair Value	308,057	276,060
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	39,507	14,867
Gross Unrealized Gains	39
Gross Unrealized Losses	(78)	(277)
Fair Value	39,468	14,590
U.S Government Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	17,429	2,463
Gross Unrealized Gains	35
Gross Unrealized Losses	(60)	(124)
Fair Value	17,404	2,339
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	72,691	73,128
Gross Unrealized Gains	45	73
Gross Unrealized Losses	(11,637)	(12,405)
Fair Value	61,099	60,796
U.S. GSE - Mortgage-backed Securities [Member] \| Commercial Real Estates [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	508	509
Gross Unrealized Losses	(53)	(67)
Fair Value	455	442
U.S. GSE - Mortgage-backed Securities [Member] \| Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	228,449	240,409
Gross Unrealized Gains	2	2
Gross Unrealized Losses	(38,820)	(42,518)
Fair Value	$ 189,631	$ 197,893

Securities Available for Sale_4

Securities Available for Sale (Securities Available For Sale by Contractual Maturity) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Due in one year or less	$ 51,915
Amortized Cost, Due after one year through five years	7,370
Amortized Cost, Due after five years through ten years	6,874
Amortized Cost, Due after ten years	63,468
Amortized Cost, Debt securities expected maturity	129,627
Amortized Cost, Debt Maturities, Total	358,584	$ 331,376
Fair Value, Due in one year or less	51,833
Fair Value, Due after one year through five years	7,312
Fair Value, Due after five years through ten years	6,644
Fair Value, Due after ten years	52,182
Fair Value, Debt securities expected maturity	117,971
Fair Value, Debt maturities, Total	308,057	276,060
U.S. GSE - Mortgage-backed Securities [Member] \| Commercial Real Estates [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	508
Amortized Cost, Debt Maturities, Total	508	509
Fair Value, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	455
Fair Value, Debt maturities, Total	455	442
U.S. GSE - Mortgage-backed Securities [Member] \| Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	228,449
Amortized Cost, Debt Maturities, Total	228,449	240,409
Fair Value, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	189,631
Fair Value, Debt maturities, Total	$ 189,631	$ 197,893

Securities Available for Sale_5

Securities Available for Sale (Investments Gross Unrealized Losses and Fair Value) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	$ 12,675	$ 5,561
Fair Value, 12 Months or More	248,694	267,434
Fair Value, Total	261,369	272,995
Unrealized Losses, Less Than 12 Months	(664)	(201)
Unrealized Losses, 12 Months or More	(49,984)	(55,190)
Unrealized Losses, Total	(50,648)	(55,391)
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, 12 Months or More	9,895	14,590
Fair Value, Total	9,895	14,590
Unrealized Losses, 12 Months or More	(78)	(277)
Unrealized Losses, Total	(78)	(277)
U.S Government Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, 12 Months or More	2,420	2,339
Fair Value, Total	2,420	2,339
Unrealized Losses, 12 Months or More	(60)	(124)
Unrealized Losses, Total	(60)	(124)
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	12,675	5,561
Fair Value, 12 Months or More	46,360	52,267
Fair Value, Total	59,035	57,828
Unrealized Losses, Less Than 12 Months	(664)	(201)
Unrealized Losses, 12 Months or More	(10,973)	(12,204)
Unrealized Losses, Total	(11,637)	(12,405)
Commercial Real Estates [Member] \| U.S. GSE - Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, 12 Months or More	455	442
Fair Value, Total	455	442
Unrealized Losses, 12 Months or More	(53)	(67)
Unrealized Losses, Total	(53)	(67)
Residential [Member] \| U.S. GSE - Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, 12 Months or More	189,564	197,796
Fair Value, Total	189,564	197,796
Unrealized Losses, 12 Months or More	(38,820)	(42,518)
Unrealized Losses, Total	$ (38,820)	$ (42,518)

Restricted Investment in Bank_2

Restricted Investment in Bank Stock (Narrative) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
FHLB or ACBB stock [Member]
Asset impairment charges	$ 0
Federal Home Loan Bank Of Pittsburgh [Member]
Investment stock at a carrying value	1,900,000	$ 2,400,000
Atlantic Community Bankers Bank (ACBB) [Member
Investment stock at a carrying value	$ 40,000	$ 40,000

Loans and Credit Quality (Narra

Loans and Credit Quality (Narrative) (Details)	3 Months Ended	9 Months Ended		12 Months Ended
Loans and Credit Quality (Narrative) (Details)	Sep. 30, 2024 USD ($) loan	Sep. 30, 2024 USD ($) loan item	Sep. 30, 2023 loan	Dec. 31, 2023 USD ($) loan item
Financing Receivable, Modifications [Line Items]
Charge-offs		$ (11,000)		$ 0
Number of loans collateralized by residential real estate in process of foreclosure \| item		1		1
Modifications outstanding	$ 138,000	$ 138,000
Number of loans requiring impairment reserve \| loan		0
Non-accrual loans	1,208,000	$ 1,208,000		$ 366,000
Number of loans in non-accrual status \| loan		7		3
Non-accrual interest income	7,000	$ 32,000
Non-accrual, allowance		$ 15,000		$ 66,000
Non-Collateral Dependent [Member]
Financing Receivable, Modifications [Line Items]
Number of loans in non-accrual status \| loan		1
Non-accrual, allowance		$ 15,000
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Non-accrual loans	544,000	544,000		366,000
Commitment to lend	0	$ 0
Residential Real Estate [Member] \| Maximum [Member]
Financing Receivable, Modifications [Line Items]
Percentage of total loans outstanding		0.01%
Residential Real Estate [Member] \| Substandard [Member]
Financing Receivable, Modifications [Line Items]
Real estate foreclosed assets	0	$ 0		0
Loans collateralized by residential real estate in process of foreclosure	$ 173,000	173,000		$ 121,000
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Charge-offs		(11,000)
2021, Gross charge-offs		5,000
2023, Gross charge-offs		$ 6,000
Number of loans \| loan		1
New Modifications [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts modified on loans outstanding \| loan	0	1	0
New Modifications [Member] \| Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts modified on loans outstanding \| loan		1

Loans and Credit Quality (Compo

Loans and Credit Quality (Composition of Loans Receivable) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	100%		100%
Receivable, Gross	$ 1,258,084		$ 1,253,517
Unearned origination fees	646		522
Allowance for credit Losses	(12,206)	$ (12,246)	(12,461)	$ (12,449)	$ (12,748)	$ (12,449)
Net Loans	$ 1,246,524		$ 1,241,578
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	42.45%		43%
Receivable, Gross	$ 534,004		$ 539,034
Allowance for credit Losses	$ (5,995)	(6,017)	$ (6,108)	(5,783)	(5,941)	(5,113)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	2.95%		2.71%
Receivable, Gross	$ 37,185		$ 33,951
Allowance for credit Losses	$ (516)	(525)	$ (920)	(936)	(973)	(1,289)
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	52.98%		52.90%
Receivable, Gross	$ 666,491		$ 663,127
Allowance for credit Losses	$ (5,429)	(5,438)	$ (5,224)	(5,329)	(5,299)	(4,960)
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	0.04%		0.05%
Receivable, Gross	$ 518		$ 565
Allowance for credit Losses	$ (33)	(39)	$ (14)	(26)	(23)	(13)
Construction [Member] \| Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	1.58%		1.34%
Receivable, Gross	$ 19,886		$ 16,840
Allowance for credit Losses	$ (233)	$ (227)	$ (195)	$ (363)	$ (317)	$ (200)

Loans and Credit Quality (Sched

Loans and Credit Quality (Schedule of Loan Portfolio by Origination Year) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	$ 105,998	$ 142,276
Total Loans, Fiscal Year Before Latest Fiscal Year	132,476	269,849
Total Loans, Two Years Before Latest Fiscal Year	249,469	223,923
Total Loans, Three Years Before Latest Fiscal Year	202,965	209,777
Total Loans, Four Years Before Latest Fiscal Year	192,473	78,905
Prior	335,035	292,373
Revolving	39,668	36,414
Receivable, Gross	1,258,084	1,253,517
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	39,974	62,467
Total Loans, Fiscal Year Before Latest Fiscal Year	59,399	160,257
Total Loans, Two Years Before Latest Fiscal Year	147,920	58,094
Total Loans, Three Years Before Latest Fiscal Year	49,174	64,146
Total Loans, Four Years Before Latest Fiscal Year	58,286	26,835
Prior	170,167	159,141
Revolving	9,084	8,094
Receivable, Gross	534,004	539,034
Commercial Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	39,974	62,467
Total Loans, Fiscal Year Before Latest Fiscal Year	59,399	160,257
Total Loans, Two Years Before Latest Fiscal Year	147,920	58,094
Total Loans, Three Years Before Latest Fiscal Year	49,038	64,146
Total Loans, Four Years Before Latest Fiscal Year	58,286	26,835
Prior	168,955	157,888
Revolving	9,084	8,094
Receivable, Gross	532,656	537,781
Commercial Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Three Years Before Latest Fiscal Year	136
Receivable, Gross	136
Commercial Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Prior	1,212	1,253
Receivable, Gross	1,212	1,253
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	6,176	2,236
Total Loans, Fiscal Year Before Latest Fiscal Year	1,717	4,851
Total Loans, Two Years Before Latest Fiscal Year	3,943	2,260
Total Loans, Three Years Before Latest Fiscal Year	1,676	3,312
Total Loans, Four Years Before Latest Fiscal Year	2,815	5,409
Prior	12,455	9,311
Revolving	8,403	6,572
Receivable, Gross	37,185	33,951
Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	5,985	2,236
Total Loans, Fiscal Year Before Latest Fiscal Year	1,717	4,851
Total Loans, Two Years Before Latest Fiscal Year	3,534	2,260
Total Loans, Three Years Before Latest Fiscal Year	754	3,312
Total Loans, Four Years Before Latest Fiscal Year	2,668	5,388
Prior	12,435	9,311
Revolving	6,643	6,572
Receivable, Gross	33,736	33,930
Commercial [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	191
Total Loans, Two Years Before Latest Fiscal Year	409
Total Loans, Three Years Before Latest Fiscal Year	922
Total Loans, Four Years Before Latest Fiscal Year	147	21
Prior	20
Revolving	1,760
Receivable, Gross	3,449	21
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	57,133	75,372
Total Loans, Fiscal Year Before Latest Fiscal Year	67,023	96,032
Total Loans, Two Years Before Latest Fiscal Year	89,979	158,135
Total Loans, Three Years Before Latest Fiscal Year	146,963	142,318
Total Loans, Four Years Before Latest Fiscal Year	131,372	46,208
Prior	152,142	123,639
Revolving	21,879	21,423
Receivable, Gross	666,491	663,127
Residential Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	57,133	75,372
Total Loans, Fiscal Year Before Latest Fiscal Year	67,023	96,032
Total Loans, Two Years Before Latest Fiscal Year	89,936	158,135
Total Loans, Three Years Before Latest Fiscal Year	146,767	142,318
Total Loans, Four Years Before Latest Fiscal Year	131,372	46,035
Prior	151,130	122,252
Revolving	21,879	21,423
Receivable, Gross	665,240	661,567
Residential Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Prior	425	443
Receivable, Gross	425	443
Residential Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Two Years Before Latest Fiscal Year	43
Total Loans, Three Years Before Latest Fiscal Year	196
Total Loans, Four Years Before Latest Fiscal Year		173
Prior	587	944
Receivable, Gross	826	1,117
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	98	130
Total Loans, Fiscal Year Before Latest Fiscal Year	73	118
Total Loans, Two Years Before Latest Fiscal Year	83	22
Total Loans, Three Years Before Latest Fiscal Year	13	1
Total Loans, Four Years Before Latest Fiscal Year		13
Prior	4	11
Revolving	247	270
Receivable, Gross	518	565
Consumer [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	98	130
Total Loans, Fiscal Year Before Latest Fiscal Year	73	118
Total Loans, Two Years Before Latest Fiscal Year	83	22
Total Loans, Three Years Before Latest Fiscal Year	13	1
Total Loans, Four Years Before Latest Fiscal Year		13
Prior	4	11
Revolving	247	270
Receivable, Gross	518	565
Construction [Member] \| Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	2,617	2,071
Total Loans, Fiscal Year Before Latest Fiscal Year	4,264	8,591
Total Loans, Two Years Before Latest Fiscal Year	7,544	5,412
Total Loans, Three Years Before Latest Fiscal Year	5,139
Total Loans, Four Years Before Latest Fiscal Year		440
Prior	267	271
Revolving	55	55
Receivable, Gross	19,886	16,840
Construction [Member] \| Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans, Current Fiscal Year	2,617	2,071
Total Loans, Fiscal Year Before Latest Fiscal Year	4,264	8,591
Total Loans, Two Years Before Latest Fiscal Year	7,544	5,412
Total Loans, Three Years Before Latest Fiscal Year	5,139
Total Loans, Four Years Before Latest Fiscal Year		440
Prior	29	30
Receivable, Gross	19,593	16,544
Construction [Member] \| Commercial [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Prior	238	241
Revolving	55	55
Receivable, Gross	$ 293	$ 296

Loans and Credit Quality (Sch_2

Loans and Credit Quality (Schedule of Impaired Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	$ 2,900
Recorded Investment, With an allowance recorded	698
Total Recorded Investment	3,584	$ 3,338
Total Unpaid Principal Balance	3,587	3,582
Related Allowance For Credit Losses	136	195
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	1,348	1,303
Total Recorded Investment	1,348	1,303
Unpaid Principal Balance, With no related allowance recorded	1,348	1,543
Total Unpaid Principal Balance	1,348	1,543
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	513
Recorded Investment, With an allowance recorded	35	21
Total Recorded Investment	548	21
Unpaid Principal Balance, With no related allowance recorded	513
Unpaid Principal Balance, With an allowance recorded	35	21
Total Unpaid Principal Balance	548	21
Related Allowance For Credit Losses	35	21
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	970	1,202
Recorded Investment, With an allowance recorded	425	516
Total Recorded Investment	1,395	1,718
Unpaid Principal Balance, With no related allowance recorded	973	1,206
Unpaid Principal Balance, With an allowance recorded	425	516
Total Unpaid Principal Balance	1,398	1,722
Related Allowance For Credit Losses	82	152
Construction [Member] \| Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	55	55
Recorded Investment, With an allowance recorded	238	241
Total Recorded Investment	293	296
Unpaid Principal Balance, With no related allowance recorded	55	55
Unpaid Principal Balance, With an allowance recorded	238	241
Total Unpaid Principal Balance	293	296
Related Allowance For Credit Losses	$ 19	$ 22

Loans and Credit Quality (Sch_3

Loans and Credit Quality (Schedule of Nonaccrual Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 1,208	$ 366
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	136
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	528
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 544	$ 366

Loans and Credit Quality (Sch_4

Loans and Credit Quality (Schedule of Past Due Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	$ 1,258,084	$ 1,253,517
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	1,843	974
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	15
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	637	193
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	2,495	1,167
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	1,255,589	1,252,350
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	534,004	539,034
Commercial Real Estate [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	349	630
Commercial Real Estate [Member] \| Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	136
Commercial Real Estate [Member] \| Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	485	630
Commercial Real Estate [Member] \| Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	533,519	538,404
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	37,185	33,951
Commercial [Member] \| 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	15
Commercial [Member] \| Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	15
Commercial [Member] \| Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	37,170	33,951
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	666,491	663,127
Residential Real Estate [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	1,490	344
Residential Real Estate [Member] \| Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	501	193
Residential Real Estate [Member] \| Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	1,991	537
Residential Real Estate [Member] \| Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	664,500	662,590
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	518	565
Consumer [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	4
Consumer [Member] \| Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	4
Consumer [Member] \| Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	514	565
Construction [Member] \| Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	19,886	16,840
Construction [Member] \| Commercial [Member] \| Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Receivable, Gross	$ 19,886	$ 16,840

Loans and Credit Quality (Activ

Loans and Credit Quality (Activity in Allowance for Loan Losses) (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 12,246,000	$ 12,748,000	$ 12,461,000	$ 12,449,000	$ 12,449,000
Charge-offs			(11,000)		0
Recoveries		1,000	240,000	2,000
Provisions (credits) on loans	(40,000)	(300,000)	(484,000)	(190,000)
Ending balance	12,206,000	12,449,000	12,206,000	12,449,000	12,461,000
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	6,017,000	5,941,000	6,108,000	5,113,000	5,113,000
Recoveries			240,000
Provisions (credits) on loans	(22,000)	(158,000)	(353,000)	178,000
Ending balance	5,995,000	5,783,000	5,995,000	5,783,000	6,108,000
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	525,000	973,000	920,000	1,289,000	1,289,000
Provisions (credits) on loans	(9,000)	(37,000)	(404,000)	(181,000)
Ending balance	516,000	936,000	516,000	936,000	920,000
Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	227,000	317,000	195,000	200,000	200,000
Provisions (credits) on loans	6,000	46,000	38,000	86,000
Ending balance	233,000	363,000	233,000	363,000	195,000
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	5,438,000	5,299,000	5,224,000	4,960,000	4,960,000
Recoveries		1,000		2,000
Provisions (credits) on loans	(9,000)	29,000	205,000	(155,000)
Ending balance	5,429,000	5,329,000	5,429,000	5,329,000	5,224,000
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	39,000	23,000	14,000	13,000	13,000
Charge-offs			(11,000)
Provisions (credits) on loans	(6,000)	3,000	30,000	(6,000)
Ending balance	$ 33,000	26,000	$ 33,000	26,000	14,000
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		195,000		874,000	874,000
Provisions (credits) on loans		(183,000)		(112,000)
Ending balance		$ 12,000		12,000
Cumulative Effect from Change in Accounting Principle [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				188,000	188,000
Cumulative Effect from Change in Accounting Principle [Member] \| Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				492,000	492,000
Cumulative Effect from Change in Accounting Principle [Member] \| Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				(172,000)	(172,000)
Cumulative Effect from Change in Accounting Principle [Member] \| Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				77,000	77,000
Cumulative Effect from Change in Accounting Principle [Member] \| Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				522,000	522,000
Cumulative Effect from Change in Accounting Principle [Member] \| Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				19,000	19,000
Cumulative Effect from Change in Accounting Principle [Member] \| Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance				$ (750,000)	$ (750,000)

Loans and Credit Quality (Alloc

Loans and Credit Quality (Allocation of Allowance for Loan Losses and Related Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	$ 12,206	$ 12,246	$ 12,461	$ 12,449	$ 12,748	$ 12,449
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	12,070		12,266
Total Past Due	1,258,084		1,253,517
Loans receivable, Ending balance: collectively evaluated for impairment	1,254,500		1,250,179
Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	101		174
Loans receivable, Ending balance: individually evaluated for impairment	3,549		3,317
Non-Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	35		21
Loans receivable, Ending balance: individually evaluated for impairment	35		21
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	5,995	6,017	6,108	5,783	5,941	5,113
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	5,995		6,108
Total Past Due	534,004		539,034
Loans receivable, Ending balance: collectively evaluated for impairment	532,656		537,731
Commercial Real Estate [Member] \| Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans receivable, Ending balance: individually evaluated for impairment	1,348		1,303
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	516	525	920	936	973	1,289
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	481		899
Total Past Due	37,185		33,951
Loans receivable, Ending balance: collectively evaluated for impairment	36,637		33,930
Commercial [Member] \| Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans receivable, Ending balance: individually evaluated for impairment	513
Commercial [Member] \| Non-Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	35		21
Loans receivable, Ending balance: individually evaluated for impairment	35		21
Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	233	227	195	363	317	200
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	214		173
Total Past Due	19,886		16,840
Loans receivable, Ending balance: collectively evaluated for impairment	19,593		16,544
Commercial [Member] \| Construction [Member] \| Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	19		22
Loans receivable, Ending balance: individually evaluated for impairment	293		296
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	5,429	5,438	5,224	5,329	5,299	4,960
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	5,347		5,072
Total Past Due	666,491		663,127
Loans receivable, Ending balance: collectively evaluated for impairment	665,096		661,409
Residential Real Estate [Member] \| Collateral Dependent [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	82		152
Loans receivable, Ending balance: individually evaluated for impairment	1,395		1,718
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	33	$ 39	14	26	23	13
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	33		14
Total Past Due	518		565
Loans receivable, Ending balance: collectively evaluated for impairment	$ 518		$ 565
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance				$ 12	$ 195	$ 874

Loans Receivable and Credit Qua

Loans Receivable and Credit Quality (Schedule of New Restructured Loans) (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2024 USD ($) loan	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 loan	Dec. 31, 2023 USD ($)
Financing Receivable, Modifications [Line Items]
Pre-Modification Outstanding Balance	$ 1,258,084	$ 1,258,084		$ 1,253,517
New Modifications [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	0	1	0
Pre-Modification Outstanding Balance	$ 79	$ 79
Post-Modification Outstanding Balance		79
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Pre-Modification Outstanding Balance	534,004	534,004		539,034
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Pre-Modification Outstanding Balance	37,185	37,185		33,951
Commercial [Member] \| Construction [Member]
Financing Receivable, Modifications [Line Items]
Pre-Modification Outstanding Balance	19,886	19,886		16,840
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Pre-Modification Outstanding Balance	666,491	$ 666,491		663,127
Residential Real Estate [Member] \| New Modifications [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan		1
Pre-Modification Outstanding Balance	79	$ 79
Post-Modification Outstanding Balance		79
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Pre-Modification Outstanding Balance	$ 518	$ 518		$ 565

Deposits (Components of Deposit

Deposits (Components of Deposits) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Deposits [Abstract]
Demand, non-interest bearing	$ 330,590	$ 328,669
Demand, NOW and money market, interest bearing	280,034	252,400
Savings	445,881	493,129
Time, $250 and over	168,578	138,765
Time, other	310,092	263,270
Total Deposits	$ 1,535,175	$ 1,476,233

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities of Time Deposits) (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Deposits [Abstract]
2024 (remainder of the year)	$ 153,578
2025	292,285
2026	29,532
2027	1,902
2028	1,265
2029	108
Total time deposits	$ 478,670

Short-term and Long-term Borr_2

Short-term and Long-term Borrowings (Narrative) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Federal Home Loan Bank Advances Short and Long Term [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 686,800,000
Available borrowing capacity	664,800,000
Line of credit, maximum borrowing capacity	150,000,000
Short-term advances with FHLB outstanding	21,900,000	$ 35,000,000
Long-term advances FHLB	0	0
Letters of Credit Outstanding	$ 160,000
Interest rate	5.239%
Maximum [Member]
Line of Credit Facility [Line Items]
Federal Home Loan Bank advance period	60 months
Atlantic Community Bankers Bank (ACBB) [Member
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	$ 10,000,000	10,000,000
Line of credit outstanding	0	0
Atlantic Community Bankers Bank (ACBB) [Member \| Revolving Line of Credit Facility [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	7,500,000	7,500,000
Line of credit outstanding	0	$ 0
Atlantic Community Bankers Bank (ACBB) [Member \| Revolving Line of Credit Facility [Member] \| Net Tangible Ratio below 5% [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	$ 5,000,000
Net tangible ratio threshold, percentage	5%
Atlantic Community Bankers Bank (ACBB) [Member \| Revolving Line of Credit Facility [Member] \| Net Tangible Ratio below 2% [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	$ 2,000,000
Net tangible ratio threshold, percentage	2%
Atlantic Community Bankers Bank (ACBB) [Member \| Revolving Line of Credit Facility [Member] \| Net Tangible Ratio below 0% [Member]
Line of Credit Facility [Line Items]
Net tangible ratio threshold, percentage	0%

Stock Incentive Plan and Empl_2

Stock Incentive Plan and Employee Stock Purchase Plan (Narrative) (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended		168 Months Ended
	Jun. 20, 2019	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Dec. 31, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common Stock, Shares, Issued		7,780,727		7,780,727		7,780,727	7,758,247
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted		0	0	18,843	13,877	264,958
Stock compensation expense		$ 62	$ 77	$ 462	$ 492
Minimum [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				2 years
Maximum [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				9 years
2010 Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award expiration date				Jun. 20, 2029
Shares available for issuance		375,155		375,155		375,155
2010 Stock Incentive Plan [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	10 years
Number of shares authorized	756,356
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized		350,000		350,000		350,000
Minimum work hours per week				20 hours
Minimum months to be eligible to participate				5 months
Purchase price for share percentage equal to fair value of such shares				95%
Maximum discount to fair value percentage				15%
Employee stock purchase plan, discount expense		$ 1	$ 1	$ 3	$ 3
Common Stock, Shares, Issued		30,129		30,129		30,129

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Other Comprehensive Income (Loss) [Abstract]
Realized gains on securities available for sale	$ 0	$ 0	$ 0	$ 0

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Components of Other Comprehensive (Loss) Income, both Before Tax and Net Of Tax) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Other Comprehensive Income (Loss) [Abstract]
Unrealized holding gains (losses) on securities available for sale	$ 11,496			$ (15,833)			$ 4,789	$ (12,466)
Unrealized holding gains (losses) on securities , Tax Effect	(2,414)			3,325			(1,006)	2,618
Unrealized holding gains (losses) on securities, Net of Tax	9,082			(12,508)			3,783	(9,848)
Reclassification adjustments for gains on securities transactions included in net income, Before Tax
Reclassification adjustments for gains on securities transactions included in net income: Tax Effect
Reclassification adjustments for gains on securities transactions included in net income: Net of Tax
Total other comprehensive income (loss), before tax	11,496			(15,833)			4,789	(12,466)
Total other comprehensive income (loss), Tax Effect	(2,414)			3,325			(1,006)	2,618
Other comprehensive income (loss), net of tax	$ 9,082	$ (541)	$ (4,758)	$ (12,508)	$ (696)	$ 3,356	$ 3,783	$ (9,848)

Other Comprehensive Income (L_5

Other Comprehensive Income (Loss) (Summary of Accumulated Other Comprehensive Loss, Net of Tax) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Other Comprehensive Income (Loss) [Abstract]
Beginning Balance	$ (48,999)		$ (43,700)	$ (48,447)		$ (51,107)	$ (43,700)	$ (51,107)
Other comprehensive income (loss) before reclassifications	9,082			(12,508)			3,783	(9,848)
Other comprehensive income (loss), net of tax	9,082	$ (541)	$ (4,758)	(12,508)	$ (696)	$ 3,356	3,783	(9,848)
Ending Balance	$ (39,917)	$ (48,999)		$ (60,955)	$ (48,447)		$ (39,917)	$ (60,955)

Basic and Diluted Earnings pe_3

Basic and Diluted Earnings per Share (Narrative) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Basic and Diluted Earnings per Share [Abstract]
Antidilutive securities excluded from computation of diluted earnings per share	0	0	0	0

Basic and Diluted Earnings pe_4

Basic and Diluted Earnings per Share (Earnings per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Basic and Diluted Earnings per Share [Abstract]
Net income	$ 2,714	$ 3,002	$ 7,742	$ 9,836
Weighted average shares outstanding	7,617,691	7,603,175	7,612,311	7,598,968
Diluted weighted average common shares outstanding	7,617,691	7,603,175	7,612,311	7,598,968
Basic earnings per share	$ 0.36	$ 0.39	$ 1.02	$ 1.29
Diluted earnings per share	$ 0.36	$ 0.39	$ 1.02	$ 1.29

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Fair Value Measurements [Abstract]
Impaired loans aggregate balance	$ 3,584,000	$ 3,338,000
Impaired loans without related allowance	2,900,000
Impaired loans with related allowance	698,000
Related Allowance For Credit Losses	136,000	195,000
Real estate properties acquired through foreclosure	$ 0	$ 0

Fair Value Measurements (Fair V

Fair Value Measurements (Fair Value of Financial Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	$ 308,057	$ 276,060
US Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	39,468	14,590
U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	17,404	2,339
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	61,099	60,796
U.S. GSE - Mortgage-backed Securities [Member] \| Commercial Real Estates [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	455	442
U.S. GSE - Mortgage-backed Securities [Member] \| Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	189,631	197,893
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	308,057	276,060
Fair Value, Recurring [Member] \| US Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	39,468	14,590
Fair Value, Recurring [Member] \| U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	17,404	2,339
Fair Value, Recurring [Member] \| Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	61,099	60,796
Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed Securities [Member] \| Commercial Real Estates [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	455	442
Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed Securities [Member] \| Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	189,631	197,893
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	308,057	276,060
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	308,057	276,060
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member] \| US Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	39,468	14,590
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member] \| U.S Government Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	17,404	2,339
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member] \| Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	61,099	60,796
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed Securities [Member] \| Commercial Real Estates [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	455	442
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed Securities [Member] \| Residential [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Debt Securities	$ 189,631	$ 197,893

Fair Value Measurements (Fair_2

Fair Value Measurements (Fair Value of Financial Assets Measured on Nonrecurring Basis) (Details) - Impaired Loans [Member] - Fair Value, Nonrecurring [Member] - FV determined through independent appraisals of the underlying collateral [Member] - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 562	$ 583
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Estimate	$ 562	$ 583

Fair Value Measurements (Quanti

Fair Value Measurements (Quantitative Information about Level 3 Fair Value Measurements) (Details) - Impaired Loans [Member] - Fair Value, Nonrecurring [Member] - (Level 3) Significant Unobservable Inputs [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets fair value	$ 562	$ 583
Appraisal Adjustment [Member] \| Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range	0%	0%
Appraisal Adjustment [Member] \| Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range	(25.00%)	(25.00%)
Appraisal Adjustment [Member] \| Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range	(25.00%)	(24.80%)
Liquidation Expenses [Member] \| Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range	0%	0%
Liquidation Expenses [Member] \| Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range	(7.50%)	(10.00%)
Liquidation Expenses [Member] \| Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Range	(7.50%)	(7.50%)

Fair Value Measurements (Estima

Fair Value Measurements (Estimated Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	$ 308,057	$ 276,060
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	91,907	78,923
Securities available for sale	308,057	276,060
Loans receivable, net of allowance	1,246,524	1,241,578
Restricted investments in bank stock	1,913	2,458
Accrued interest receivable	3,457	3,298
Deposits	1,535,175	1,476,233
Securities sold under agreements to repurchase and federal funds purchased	18,223	15,237
Short-term borrowings	21,875	35,000
Accrued interest payable	8,126	7,844
Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	91,907	78,923
Securities available for sale	308,057	276,060
Loans receivable, net of allowance	1,174,043	1,150,233
Restricted investments in bank stock	1,913	2,458
Accrued interest receivable	3,457	3,298
Deposits	1,533,455	1,472,497
Securities sold under agreements to repurchase and federal funds purchased	18,223	15,237
Short-term borrowings	21,875	35,000
Accrued interest payable	8,126	7,844
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	91,907	78,923
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	308,057	276,060
Restricted investments in bank stock	1,913	2,458
Accrued interest receivable	3,457	3,298
Deposits	1,533,455	1,472,497
Securities sold under agreements to repurchase and federal funds purchased	18,223	15,237
Short-term borrowings	21,875	35,000
Accrued interest payable	8,126	7,844
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, net of allowance	$ 1,174,043	$ 1,150,233

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2024
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false