Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2020	Nov. 02, 2020
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
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
Title of 12(b) Security	None
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		7,474,621
Trading Symbol	emyb
Entity Central Index Key	0001449794
Amendment Flag	false

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 14,823	$ 5,825
Interest bearing demand deposits with banks	70,876	33,161
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	86,699	39,986
Securities available for sale	121,646	90,829
Restricted investment in bank stock	1,330	1,478
Loans receivable, net of allowance for loan losses of $9,718 in 2020; $8,022 in 2019	1,048,885	1,006,117
Paycheck Protection Program loans receivable	67,020
Premises and equipment, net of accumulated depreciation	3,030	2,123
Bank owned life insurance	20,813	20,259
Accrued interest receivable	3,236	2,048
Other assets	12,270	13,279
Total Assets	1,364,929	1,176,119
Deposits:
Non-interest bearing	261,088	171,815
Interest bearing	888,362	860,153
Total Deposits	1,149,450	1,031,968
Securities sold under agreements to repurchase	11,181	7,208
Short-term borrowings		18,067
Long-term borrowings	14,651
Paycheck Protection Program Liquidity Facility borrowings	62,039
Accrued interest payable	1,670	3,281
Other liabilities	17,600	15,980
Total Liabilities	1,256,591	1,076,504
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2020 issued 7,579,668 shares; outstanding 7,474,621 shares; 2019 issued 7,543,524 shares; outstanding 7,478,477 shares;	7,580	7,544
Surplus	26,178	25,937
Retained earnings	73,348	65,794
Accumulated other comprehensive income	2,952	1,340
Treasury stock, at cost: 105,047 and 65,047 shares at September 30, 2020 and December 31, 2019, respectively	(1,720)	(1,000)
Total Stockholders' Equity	108,338	99,615
Total Liabilities and Stockholders' Equity	$ 1,364,929	$ 1,176,119

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Consolidated Balance Sheets [Abstract]
Loans receivable, allowance	$ 9,718	$ 8,022
Common Stock, Par Value	$ 1	$ 1
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	7,579,668	7,543,524
Common Stock, Shares, Outstanding	7,474,621	7,478,477
Treasury Stock, Shares	105,047	65,047

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
INTEREST INCOME
Loans, including fees	$ 10,196	$ 9,995	$ 30,460	$ 29,463
Paycheck Protection Program loans, including fees	420		658
Securities, taxable	339	446	1,074	1,207
Securities, non-taxable	210	216	617	758
Short-term investments, including federal funds sold	26	209	129	523
Total Interest Income	11,191	10,866	32,938	31,951
INTEREST EXPENSE
Deposits	1,350	2,421	4,939	6,634
Securities sold under agreements to repurchase and federal funds purchased	2	17	15	62
Short-term borrowings			51	273
Long-term borrowings	28		63
Paycheck Protection Program Liquidity Facility borrowings	54		78
Total Interest Expense	1,434	2,438	5,146	6,969
Net Interest Income	9,757	8,428	27,792	24,982
PROVISION FOR LOAN LOSSES	700	120	1,670	345
Net Interest Income after Provision for Loan Losses	9,057	8,308	26,122	24,637
OTHER NON-INTEREST INCOME
Merchant and credit card processing fees	47	85	167	259
Debit card interchange fees	182	166	460	451
Other service fees	116	132	300	373
Bank owned life insurance	257	120	554	464
Gain on sale of securities, net			128
Gain on sale of other real estate owned				45
Gain on sale of loans			59
Total Other Non-Interest Income	602	503	1,668	1,592
OTHER NON-INTEREST EXPENSES
Salaries and employee benefits	2,726	2,586	8,234	7,850
Occupancy and equipment	821	865	2,474	2,546
Data processing	654	598	1,913	1,739
Merchant and credit card processing	5	(3)	48	63
Advertising and promotion	261	396	831	1,271
Professional fees	192	206	638	594
FDIC insurance	119	(3)	267	199
Loan & real estate	73	61	192	148
Charitable contributions	194	192	666	661
Other	402	409	1,214	1,324
Total Other Non-Interest Expenses	5,447	5,307	16,477	16,395
Income Before Income Taxes	4,212	3,504	11,313	9,834
INCOME TAX EXPENSE	788	675	2,115	1,839
Net Income	$ 3,424	$ 2,829	$ 9,198	$ 7,995
BASIC EARNINGS PER SHARE	$ 0.46	$ 0.38	$ 1.23	$ 1.07
DILUTED EARNINGS PER SHARE	0.46	0.38	1.22	1.06
DIVIDENDS PER SHARE	$ 0.22	$ 0.20	$ 0.22	$ 0.20

Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2020

Sep. 30, 2019

Sep. 30, 2020

Sep. 30, 2019

Consolidated Statements Of Comprehensive Income [Abstract]

Net Income

$ 3,424

$ 2,829

$ 9,198

$ 7,995

Change in Accumulated Other Comprehensive (Loss) Income:

Unrealized holding (loss) gain on securities available for sale

(48)

194

2,168

3,240

Less: reclassification adjustment for realized gains

^[1],[2]

(128)

Total other comprehensive income, before tax

(48)

194

2,040

3,240

Income tax effect

10

(41)

(428)

(680)

Net unrealized (loss) gain

(38)

153

1,612

2,560

Other comprehensive (loss) income, net of tax

(38)

153

1,612

2,560

Comprehensive Income

$ 3,386

$ 2,982

$ 10,810

$ 10,555

[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member] Director [Member]	Common Stock [Member] Officer [Member]	Common Stock [Member]	Surplus [Member] Director [Member]	Surplus [Member] Officer [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]	Director [Member]	Officer [Member]	Total
BALANCE-Beginning at Dec. 31, 2018			$ 7,530			$ 25,532	$ 56,410	$ (1,247)	$ (1,000)			$ 87,225
Net income							2,552					2,552
Other comprehensive income (loss), net of tax								1,598				1,598
Compensation expense recognized on stock options						1						1
Common stock grants	$ 10			$ 151						$ 161
Compensation expense recognized on stock grants, net of unearned compensation expense						51						51
Shares issued under employee stock purchase plan			1			13						14
BALANCE-Ending at Mar. 31, 2019			7,541			25,748	58,962	351	(1,000)			91,602
BALANCE-Beginning at Dec. 31, 2018			7,530			25,532	56,410	(1,247)	(1,000)			87,225
Net income												7,995
Other comprehensive income (loss), net of tax												2,560
BALANCE-Ending at Sep. 30, 2019			7,543			25,874	62,910	1,313	(1,000)			96,640
BALANCE-Beginning at Mar. 31, 2019			7,541			25,748	58,962	351	(1,000)			91,602
Net income							2,614					2,614
Other comprehensive income (loss), net of tax								809				809
Dividend declared							(1,495)					(1,495)
Compensation expense recognized on stock options						1						1
Compensation expense recognized on stock grants, net of unearned compensation expense						50						50
Shares issued under employee stock purchase plan			1			10						11
BALANCE-Ending at Jun. 30, 2019			7,542			25,809	60,081	1,160	(1,000)			93,592
Net income							2,829					2,829
Other comprehensive income (loss), net of tax								153				153
Compensation expense recognized on stock options						1						1
Compensation expense recognized on stock grants, net of unearned compensation expense						51						51
Shares issued under employee stock purchase plan			1			13						14
BALANCE-Ending at Sep. 30, 2019			7,543			25,874	62,910	1,313	(1,000)			96,640
BALANCE-Beginning at Dec. 31, 2019			7,544			25,937	65,794	1,340	(1,000)			99,615
Net income							2,457					2,457
Other comprehensive income (loss), net of tax								1,425				1,425
Common stock grants	$ 13	$ 19		$ 135	$ 25					$ 148	$ 44
Shares issued under employee stock purchase plan			1			13						14
Purchase of treasury stock									(720)			(720)
BALANCE-Ending at Mar. 31, 2020			7,577			26,110	68,251	2,765	(1,720)			102,983
BALANCE-Beginning at Dec. 31, 2019			7,544			25,937	65,794	1,340	(1,000)			99,615
Net income												9,198
Other comprehensive income (loss), net of tax												1,612
BALANCE-Ending at Sep. 30, 2020			7,580			26,178	73,348	2,952	(1,720)			108,338
BALANCE-Beginning at Mar. 31, 2020			7,577			26,110	68,251	2,765	(1,720)			102,983
Net income							3,317					3,317
Other comprehensive income (loss), net of tax								225				225
Dividend declared							(1,644)					(1,644)
Compensation expense recognized on stock grants, net of unearned compensation expense						(3)						(3)
Shares issued under employee stock purchase plan			1			12						13
BALANCE-Ending at Jun. 30, 2020			7,578			26,119	69,924	2,990	(1,720)			104,891
Net income							3,424					3,424
Other comprehensive income (loss), net of tax								(38)				(38)
Compensation expense recognized on stock grants, net of unearned compensation expense						41						41
Shares issued under employee stock purchase plan			2			18						20
BALANCE-Ending at Sep. 30, 2020			$ 7,580			$ 26,178	$ 73,348	$ 2,952	$ (1,720)			$ 108,338

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

Consolidated Statements of Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019
Dividends declared per share	$ 0.22	$ 0.22		$ 0.20	$ 0.20		$ 0.22	$ 0.20
Unearned compensation expense on stock grants	$ 600	$ 641		$ 507	$ 558	$ 608	$ 600	$ 507
Shares issued under employee stock purchase plan, shares	1,607	1,038	1,289	888	712	894
Purchase treasury stock, shares			40,000
Purchased treasury stock, price per share			$ 18.00
Director [Member]
Common stock grants, shares			12,757			10,799
Officer [Member]
Common stock grants, shares			19,453
Unearned compensation expense on stock grants			$ 639

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 9,198	$ 7,995
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,670	345
Amortization of deferred loan costs	208	190
Accretion of deferred Paycheck Protection Program loan fees	(372)
Depreciation	567	620
Net amortization of investment security premiums and discounts	341	117
Stock compensation expense	230	316
Net realized gain on sale of other real estate owned		(45)
Income on bank owned life insurance	(554)	(464)
Net realized gain on sale of securities available for sale	(128)
Loans originated for sale	(689)
Proceeds from sale of loans	748
Net realized gain on sale of loans	(59)
(Increase) decrease in accrued interest receivable	(1,188)	143
Decrease in other assets	581	796
(Decrease) increase in accrued interest payable	(1,611)	1,123
Increase (decrease) in other liabilities	855	(172)
Net Cash Provided by Operating Activities	9,797	10,964
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available for sale	(83,121)	(20,429)
Maturities, calls and principal repayments of securities available for sale	50,873	18,408
Proceeds from sales of securities available for sale	4,023
Net increase in loans	(44,646)	(29,584)
Net increase in Paycheck Protection Program loans	(66,648)
Net redemption of restricted investment in bank stock	148	2,039
Proceeds from sale of other real estate owned		180
Purchases of premises and equipment	(1,474)	(514)
Net Cash Used in Investing Activities	(140,845)	(29,900)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	117,482	103,518
Net increase (decrease) in securities sold under agreements to repurchase	3,973	(8,736)
Proceeds from Employee Stock Purchase Plan	47	39
Decrease in short-term borrowed funds	(18,067)	(53,995)
Proceeds from long-term borrowed funds	14,651
Proceeds from Paycheck Protection Program Liquidity Facility borrowed funds	62,039
Purchase of treasury stock	(720)
Dividends paid	(1,644)	(1,495)
Net Cash Provided by Financing Activities	177,761	39,331
Net Increase in Cash and Cash Equivalents	46,713	20,395
CASH AND CASH EQUIVALENTS - BEGINNING	39,986	27,576
CASH AND CASH EQUIVALENTS - ENDING	86,699	47,971
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	6,757	5,846
Income taxes paid	2,242	1,859
Non-cash Investing and Financing Activities:
Right of use assets obtained in exchange for new operating lease liabilities	181
Unsettled trades to purchase securities	$ (765)
Recognition of operating lease right of use assets		10,908
Recognition of operating lease liabilities		$ 11,014

Basis Of Presentation

9 Months Ended

Sep. 30, 2020

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, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020.

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, 2019, included in the Company’s Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 11, 2020.

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. Subsequent to September 30, 2020, on October 21, 2020, the Company purchased an additional $4.0 million in bank owned life insurance.

Certain amounts in the 2019 consolidated financial statements may have been reclassified to conform to 2020 presentation. These reclassifications had no effect on 2019 net income.

Summary Of Significant Accounting Policies

9 Months Ended

Sep. 30, 2020

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, 2019.

COVID-19

9 Months Ended

Sep. 30, 2020

COVID-19 [Abstract]

COVID-19

Note 3 – COVID-19

On March 11, 2020, the World Health Organization declared the outbreak of a novel coronavirus (“COVID-19”) as a global pandemic and on March 13, 2020 the United States government declared COVID-19 as a national emergency. The continuing effects of COVID-19 could adversely impact a broad range of industries in which the Company’s customers operate and impair their ability to fulfill their financial obligations to the Company. The economic effects of COVID-19 may adversely affect the Company’s financial condition and results of operations, though such potential impact is unknown at this time.

‎

For the nine months ended September 30, 2020, the Company provided certain borrowers affected in a variety of ways by COVID-19 with payment accommodations that facilitate their ability to work through the immediate impact of the virus. Payment accommodations were in the form of short-term principal and/or interest deferrals. These payment accommodations were made in accordance with Section 4013 of the Coronavirus Aid, Relief and Economic Security (“CARES”) Act and the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus. Section 4013 of the CARES Act, enacted on March 27, 2020, provides that, from the period beginning March 1, 2020 until the earlier of December 31, 2020 or the date that is 60 days after the date on which the national emergency concerning the COVID-19 pandemic declared by the President of the United States under the National Emergencies Act terminates, the Company may elect to suspend GAAP for loan modifications related to the pandemic that would otherwise be categorized as troubled debt restructurings and suspend any determination of a loan modified as a result of the effects of the pandemic as being a troubled debt restructuring, including impairment for accounting purposes. Interest income is continuing to be recognized during the accommodation period. The following table presents COVID-19 payment accommodations based on loan type and amount at September 30, 2020:


	Number of Loans	Loan Amount
		(In Thousands)
Commercial real estate	143	$	131,391
Commercial	49		8,816
Residential real estate	77		15,011
Consumer	2		33
Total	271	$	155,251

Included in the totals above are two hundred thirty-four (234) loans totaling $113.5 million in which the payment accommodation period has ended and the loan payments have resumed under their original contractual terms. Also included in the totals above are four (4) loans totaling $246 thousand that are in their first short-term payment accommodation period, thirty-one (31) loans totaling $41.5 million that are in their second short-term payment accommodation period and two (2) loans totaling $82 thousand that are in their third short-term payment accommodation period.

At October 28, 2020, the Company had two hundred sixty-four (264) Section 4013 loans totaling $153.7 million. Included in these totals are two hundred forty-two (242) loans totaling $133.3 million in which the payment accommodation period has ended and the loan payments have resumed under their original contractual terms. Also included in the totals are six (6) loans totaling $394 thousand that are in their first short-term payment accommodation period, eleven (11) loans totaling $4.0 million that are in their second short-term payment accommodation period and five (5) loans totaling $15.9 million that are in their third short-term payment accommodation period. Between September 30, 2020 and October 28, 2020, there were nine (9) Section 4013 loans totaling $1.3 million that were repaid in full and two (2) new Section 4013 loans added totaling $148 thousand.

As part of the CARES Act, the Company was approved to be a Paycheck Protection Program (“PPP”) lender. The Company had not previously been an approved Small Business Administration (“SBA”) 7(a) lender. The Company began accepting applications from qualified borrowers on April 3, 2020. As of September 30, 2020, the Company had a total of five hundred fifty (550) PPP loans with a receivable balance of $67.0 million, net of $1.6 million of unearned origination fees and costs. As of November 3, 2020, the Company has received forgiveness payments on PPP loans of $2.0 million from the SBA and has an additional $5.5 million of PPP loan forgiveness applications submitted to the SBA awaiting decision on forgiveness.

These PPP loans are 100% guaranteed by the SBA, have a two year or up to five year maturity and an interest rate of 1% throughout the term of the loan, with payments deferred over the first six months following the date of disbursement of the loan. The SBA may forgive the PPP loans if certain conditions are met by the borrower, including using at least 60% of the proceeds for payroll costs. The SBA also provides the Company with a processing fee for each loan, with the amount of such fee pre-determined by the SBA dependent upon the size of each loan. At September 30, 2020, the Company has recorded gross deferred PPP loan fees of $2.2 million, which will be recognized through interest income over the life of the related PPP loans. Because of the 100% SBA guarantee, the Company has determined that no allowance for loan losses is required on the PPP loans. All PPP loans have a pass rating and none are past due under their contractual terms.

‎

In April 2020, the Company applied and was approved by the Federal Reserve Board for both the ability to borrow under its Paycheck Protection Program Liquidity Facility (“PPPLF”), as well as its Discount Window. The PPPLF provides term funding to depository institutions that originate loans to small businesses under the PPP. PPP loans that are pledged to secure PPPLF extensions of credit are excluded from leverage ratio calculations. The components of long-term borrowings with the PPPLF at September 30, 2020 were as follows:


	September 30, 2020
	(Dollars in Thousands)
Maturity Date	Interest Rate		Outstanding
April 2022	0.35%	$	38,701
May 2022	0.35%		23,338
Total PPPLF Outstanding Borrowings		$	62,039

The Company’s allowance for loan losses increased $1.7 million to $9.7 million at September 30, 2020 compared to $8.0 million at December 31, 2019. At September 30, 2020 and December 31, 2019, the allowance for loan losses represented 0.92% and 0.79%, respectively, of loans receivable (not including PPP loans which are 100% guaranteed by the SBA). During the first three quarters of 2020, the Company adjusted the allowance for loan losses’ economic risk factor and loan modifications risk factor methodologies to incorporate the current economic implications, unemployment rate and number of loan modifications from the COVID-19 pandemic, leading to the increase in the allowance for loan losses as a percentage of total loans. In determining its allowance for loan loss level at September 30, 2020, the Company considered the health and composition of its loan portfolio going into and through the COVID-19 pandemic. The Company’s nonperforming loans to total loans receivable, excluding PPP loans receivable, was 0.28% at September 30, 2020, up from 0.26% at December 31, 2019. The Company had no charge-offs for the three and nine months ended September 30, 2020 and for the year ended December 31, 2019. At September 30, 2020, approximately 95% of the Company’s loan portfolio is collateralized by real estate. Less than 6% of the Company’s loan portfolio is to borrowers in the more particularly hard-hit industries (including the travel and hotel industry, the full-service and limited-service restaurant industries, and the assisted living facilities industry) and the Company has no international exposure. The Company was not required to adopt the Current Expected Credit Losses (“CECL”) Financial Accounting Standards Board (“FASB “) accounting standard in 2020, as this guidance will not be effective for the Company until 2023.

In response to the COVID-19 outbreak, the Federal Reserve Board in mid-March 2020 has reduced by 150 basis points the benchmark federal funds rate to a target range of 0% to 0.25%, and the yields on 10 and 30 year Treasury notes have declined to historic lows. Less than 10% of the Company’s loan portfolio is scheduled to mature or reprice within the next year. As a result of the decline in the Federal Reserve Board’s target federal funds rate and yields on Treasury notes, the Company’s future net interest margin and spread may be further reduced.

Securities Available For Sale

9 Months Ended

Sep. 30, 2020

Securities Available For Sale [Abstract]

Securities Available For Sale

‎

Note 4 – Securities Available For Sale

At September 30, 2020 and December 31, 2019, respectively, the amortized cost and approximate fair values of securities available-for-sale were as follows:



			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
	Cost		Gains		Losses		Value

	(In Thousands)
September 30, 2020:
U.S. Treasury securities	$	19,997	$	1	$	-	$	19,998
U.S. Government agency obligations		13,529		3		-		13,532
Municipal bonds		36,570		1,735		-		38,305
U.S. Government Sponsored Enterprise (GSE) - ‎ Mortgage-backed securities - commercial		513		37		-		550
U.S. Government Sponsored Enterprise (GSE) - ‎ Mortgage-backed securities - residential		47,300		1,961		-		49,261
Total	$	117,909	$	3,737	$	-	$	121,646

December 31, 2019:
Municipal bonds	$	25,586	$	863	$	(5)	$	26,444
U.S. Government Sponsored Enterprise (GSE) - ‎ Mortgage-backed securities - residential		63,546		877		(38)		64,385
Total	$	89,132	$	1,740	$	(43)	$	90,829

The amortized cost and fair value of securities as of September 30, 2020, 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)
Due in one year or less	$	34,681	$	34,687
Due after one year through five years		1,675		1,685
Due after five years through ten years		5,899		6,120
Due after ten years		27,841		29,343
		70,096		71,835
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial		513		550
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		47,300		49,261
Total	$	117,909	$	121,646

There were no sales of securities for the three months ended September 30, 2020 and for the three and nine months ended September 30, 2019. Gross gains of $128 thousand were realized on sales of securities for the nine months ended September 30, 2020. There were no gross losses on the sales of securities for the nine months ended September 30, 2020.

Securities with a carrying value of $92.6 million and $74.0 million at September 30, 2020 and December 31, 2019, respectively, were subject to agreements to repurchase, pledged to secure public deposits, or pledged for other purposes required or permitted by law.

‎

The Company had no securities in an unrealized loss position at September 30, 2020. 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 December 31, 2019:



		Less Than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses

December 31, 2019:	(In Thousands)
Municipal bonds	$	1,295	$	(5)	$	-	$	-	$	1,295	$	(5)
U.S. Government Sponsored Enterprise
(GSE) - Mortgage -backed securities -
residential		4,701		(1)		8,528		(37)		13,229		(38)
Total Temporarily Impaired Securities	$	5,996	$	(6)	$	8,528	$	(37)	$	14,524	$	(43)

The Company had no securities in an unrealized loss position at September 30, 2020 and five (5) securities in an unrealized loss position at December 31, 2019. The unrealized losses were due to market interest rate fluctuations. Management believes that the unrealized loss only represented temporary impairment of the securities.

Restricted Investment In Bank Stock

9 Months Ended

Sep. 30, 2020

Restricted Investment In Bank Stock [Abstract]

Restricted Investment In Bank Stock

Note 5 – 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 $1.3 million as of September 30, 2020 and $1.4 million as of December 31, 2019. The Bank had ACBB stock at a carrying value of $40 thousand at September 30, 2020 and December 31, 2019.

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, 2020.

Loans and Credit Quality

9 Months Ended

Sep. 30, 2020

Loans And Credit Quality [Abstract]

Loans and Credit Quality

Note 6 – Loans and Credit Quality

On May 1, 2020, the Company sold its entire $689 thousand commercial credit card loan portfolio to an unrelated third party for a gain of $59 thousand. These loans were classified as held for sale at March 31, 2020 prior to the May 1, 2020 sale.

The Company has presented PPP loans of $67.0 million separately from loans receivable on the Consolidated Balance Sheet. As described in Note 3, PPP loans are 100% SBA guaranteed and the Company has determined that no allowance for loan losses is required on PPP loans. All PPP loans are risk rated as pass. PPP loans are not included in the following composition and credit quality tables.

‎

The following table presents the composition of loans receivable at September 30, 2020 and December 31, 2019, respectively:



	September 30, 2020			December 31, 2019
			Percentage of			Percentage of
	Balance		total Loans	Balance		total Loans

		(Dollars in Thousands)

Commercial real estate	$	449,268	42.46%	$	427,987	42.24%
Commercial construction		11,297	1.07%		12,622	1.25%
Commercial		44,902	4.24%		53,747	5.30%
Residential real estate		551,960	52.16%		518,150	51.13%
Consumer		712	0.07%		820	0.08%
Total loans		1,058,139	100.00%		1,013,326	100.00%
Unearned origination fees		464			813
Allowance for loan losses		(9,718)			(8,022)
Net Loans	$	1,048,885		$	1,006,117

The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weaknesses), substandard (well defined weaknesses) and doubtful (full collection unlikely) within the Company's internal risk rating system as of September 30, 2020 and December 31, 2019, respectively:



	Pass		Special Mention		Substandard		Doubtful		Total

September 30, 2020		(In Thousands)
Commercial real estate	$	447,828	$	-	$	1,440	$	-	$	449,268
Commercial construction		10,982		-		315		-		11,297
Commercial		44,820		82		-		-		44,902
Residential real estate		550,897		518		545		-		551,960
Consumer		712		-		-		-		712
Total	$	1,055,239	$	600	$	2,300	$	-	$	1,058,139

December 31, 2019
Commercial real estate	$	426,526	$	-	$	1,461	$	-	$	427,987
Commercial construction		12,307		-		315		-		12,622
Commercial		53,656		91		-		-		53,747
Residential real estate		517,281		719		150		-		518,150
Consumer		820		-		-		-		820
Total	$	1,010,590	$	810	$	1,926	$	-	$	1,013,326

At September 30, 2020 and December 31, 2019 the Company had no foreclosed assets or recorded investment in consumer mortgage loans collateralized by residential real estate in the process of foreclosure.

‎

The following table summarizes information in regards to impaired loans by loan portfolio class as of September 30, 2020 and December 31, 2019, respectively:


	September 30, 2020						December 31, 2019
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	862	$	1,102			$	1,626	$	1,890
Commercial construction		315		315				315		315
Commercial		-		-				-		-
Residential real estate		914		984				530		786
Consumer		-		-				-		-
With an allowance recorded:
Commercial real estate	$	700	$	700	$	25	$	-	$	-	$	-
Commercial construction		-		-		-		-		-		-
Commercial		231		231		25		234		234		27
Residential real estate		611		611		127		816		816		175
Consumer		-		-		-		-		-		-
Total:
Commercial real estate	$	1,562	$	1,802	$	25	$	1,626	$	1,890	$	-
Commercial construction		315		315		-		315		315		-
Commercial		231		231		25		234		234		27
Residential real estate		1,525		1,595		127		1,346		1,602		175
Consumer		-		-		-		-		-		-
	$	3,633	$	3,943	$	177	$	3,521	$	4,041	$	202

‎

The following tables summarize information regarding the average recorded investment and interest income recognized on impaired loans by loan portfolio for the three and nine months ended September 30, 2020 and 2019, respectively:


	Three Months Ended September 30,
	2020				2019
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	870	$	13	$	1,702	$	17
Commercial construction		315		3		315		3
Commercial		-		-		-		-
Residential real estate		920		7		667		3
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	700	$	5	$	-	$	-
Commercial construction		-		-		-		-
Commercial		232		2		237		1
Residential real estate		614		5		828		7
Consumer		1		-		-		-
Total:
Commercial real estate	$	1,570	$	18	$	1,702	$	17
Commercial construction		315		3		315		3
Commercial		232		2		237		1
Residential real estate		1,534		12		1,495		10
Consumer		1		-		-		-
	$	3,652	$	35	$	3,749	$	31


	Nine Months Ended September 30,
	2020				2019
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	1,063	$	37	$	1,713	$	51
Commercial construction		315		8		315		9
Commercial		-		-		-		-
Residential real estate		769		23		684		8
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	525	$	16	$	-	$	-
Commercial construction		-		-		-		-
Commercial		233		7		238		6
Residential real estate		667		16		835		22
Consumer		1		-		-		-
Total:
Commercial real estate	$	1,588	$	53	$	1,713	$	51
Commercial construction		315		8		315		9
Commercial		233		7		238		6
Residential real estate		1,436		39		1,519		30
Consumer		1		-		-		-
	$	3,573	$	107	$	3,785	$	96

The following table presents non-accrual loans by classes of the loan portfolio:



	September 30, 2020		December 31, 2019

	(In Thousands)
Commercial real estate	$	-	$	-
Commercial construction		-		-
Commercial		-		-
Residential real estate		236		18
Consumer		-		-
Total	$	236	$	18

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, 2020 and December 31, 2019, 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, 2020	(In Thousands)
Commercial real estate	$	-	$	-	$	117	$	117	$	449,151	$	449,268	$	117
Commercial construction		-		-		-		-		11,297		11,297		-
Commercial		309		135		-		444		44,458		44,902		-
Residential real estate		1,125		1,800		-		2,925		549,035		551,960		-
Consumer		-		-		-		-		712		712		-
Total	$	1,434	$	1,935	$	117	$	3,486	$	1,054,653	$	1,058,139	$	117

December 31, 2019
Commercial real estate	$	-	$	-	$	-	$	-	$	427,987	$	427,987	$	-
Commercial construction		-		-		-		-		12,622		12,622		-
Commercial		-		-		-		-		53,747		53,747		-
Residential real estate		951		-		-		951		517,199		518,150		-
Consumer		-		-		-		-		820		820		-
Total	$	951	$	-	$	-	$	951	$	1,012,375	$	1,013,326	$	-

‎

The following tables detail the activity in the allowance for loan losses for the three and nine months ended September 30, 2020 and 2019:



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

Allowance for loan losses	(In Thousands)
Three Months Ending September 30, 2020
Beginning Balance - June 30, 2020	$	3,574	$	113	$	762	$	3,618	$	16	$	934	$	9,017
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		1		-		-		1
Provisions		743		25		33		183		(1)		(283)		700
Ending Balance - September 30, 2020	$	4,317	$	138	$	795	$	3,802	$	15	$	651	$	9,718

Nine Months Ending September 30, 2020
Beginning Balance - December 31, 2019	$	3,221	$	121	$	770	$	3,488	$	19	$	403	$	8,022
Charge-offs		-		-		-		-		-		-		-
Recoveries		24		-		-		2		-		-		26
Provisions		1,072		17		25		312		(4)		248		1,670
Ending Balance - September 30, 2020	$	4,317	$	138	$	795	$	3,802	$	15	$	651	$	9,718

Three Months Ending September 30, 2019
Beginning Balance - June 30, 2019	$	3,220	$	105	$	643	$	3,265	$	24	$	384	$	7,641
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		1		-		-		1
Provisions		(66)		(18)		74		145		(9)		(6)		120
Ending Balance - September 30, 2019	$	3,154	$	87	$	717	$	3,411	$	15	$	378	$	7,762

Nine Months Ending September 30, 2019
Beginning Balance - December 31, 2018	$	3,248	$	94	$	574	$	3,179	$	19	$	298	$	7,412
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		4		1		-		-		5
Provisions		(94)		(7)		139		231		(4)		80		345
Ending Balance - September 30, 2019	$	3,154	$	87	$	717	$	3,411	$	15	$	378	$	7,762

‎

The following tables represent the allocation for loan losses and the related loan portfolio disaggregated based on impairment methodology at September 30, 2020 and December 31, 2019:



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

	(In Thousands)
September 30, 2020
Allowance for Loan Losses
Ending Balance	$	4,317	$	138	$	795	$	3,802	$	15	$	651	$	9,718
Ending balance: individually evaluated for impairment	$	25	$	-	$	25	$	127	$	-	$	-	$	177
Ending balance: collectively evaluated for impairment	$	4,292	$	138	$	770	$	3,675	$	15	$	651	$	9,541

Loans receivables:
Ending balance	$	449,268	$	11,297	$	44,902	$	551,960	$	712			$	1,058,139
Ending balance: individually evaluated for impairment	$	1,562	$	315	$	231	$	1,525	$	-			$	3,633
Ending balance: collectively evaluated for impairment	$	447,706	$	10,982	$	44,671	$	550,435	$	712			$	1,054,506

December 31, 2019
Allowance for Loan Losses
Ending Balance	$	3,221	$	121	$	770	$	3,488	$	19	$	403	$	8,022
Ending balance: individually evaluated for impairment	$	-	$	-	$	27	$	175	$	-	$	-	$	202
Ending balance: collectively evaluated for impairment	$	3,221	$	121	$	743	$	3,313	$	19	$	403	$	7,820

Loans receivables:
Ending balance	$	427,987	$	12,622	$	53,747	$	518,150	$	820			$	1,013,326
Ending balance: individually evaluated for impairment	$	1,626	$	315	$	234	$	1,346	$	-			$	3,521
Ending balance: collectively evaluated for impairment	$	426,361	$	12,307	$	53,513	$	516,804	$	820			$	1,009,805

Troubled Debt Restructurings

The Company may grant a concession or modification for economic or legal reasons related to a borrower’s financial condition that it would not otherwise consider, resulting in a modified loan which is then identified as a troubled debt restructuring (“TDR”). The Company may modify loans through rate reductions, extensions to maturity, interest only payments, or payment modifications to better coincide the timing of payments due under the modified terms with the expected timing of cash flows from the borrowers’ operations. Loan modifications are intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. TDRs are considered impaired loans for purposes of calculating the Company’s allowance for loan losses. Payment accommodations completed since the COVID-19 outbreak are reported in accordance with Section 4013 of the CARES Act and the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus are described in Note 3.

The Company identifies loans for potential restructure primarily through direct communication with the borrower and the evaluation of the borrower’s financial statements, revenue projections, tax returns, and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, and negative trends may result in a payment default in the near future.

‎

The following table presents TDR’s outstanding:



	Accrual Loans		Non-Accrual Loans		Total Modifications

September 30, 2020	(In Thousands)
Commercial real estate	$	1,135	$	-	$	1,135
Commercial construction		260		-		260
Commercial		231		-		231
Residential real estate		954		16		970
Consumer		-		-		-
	$	2,580	$	16	$	2,596

December 31, 2019
Commercial real estate	$	1,188	$	-	$	1,188
Commercial construction		260		-		260
Commercial		233		-		233
Residential real estate		982		18		1,000
Consumer		-		-		-
	$	2,663	$	18	$	2,681

As of September 30, 2020, no available commitments were outstanding on TDRs.

There were no newly restructured loans that occurred during the three and nine months ended September 30, 2020 and 2019.

There were no loans that were modified and classified as a TDR within the prior twelve months that experienced a payment default (loans ninety days or more past due) during the three and nine months ended September 30, 2020 and 2019.

Deposits

9 Months Ended

Sep. 30, 2020

Deposits [Abstract]

Deposits

Note 7 – Deposits

The components of deposits at September 30, 2020 and December 31, 2019 are as follows:


	September 30,		December 31,
	2020		2019
	(In Thousands)

Demand, non-interest bearing	$	261,088	$	171,815
Demand, NOW and money market, interest bearing		179,342		180,869
Savings		497,086		425,284
Time, $250 and over		83,984		92,517
Time, other		127,950		161,483
Total deposits	$	1,149,450	$	1,031,968

At September 30, 2020, the scheduled maturities of time deposits are as follows (in thousands):


2020 (remainder of the year)	$	49,451
2021		114,979
2022		16,620
2023		25,602
2024		4,187
2025		1,095
	$	211,934

Short-Term And Long-Term Borrowings

9 Months Ended

Sep. 30, 2020

Short-Term And Long-Term Borrowings [Abstract]

Short-Term And Long-Term Borrowings

Note 8 – 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, 2020, the Bank had a maximum borrowing capacity for short-term and long-term advances of approximately $684.5 million. This borrowing capacity with the FHLB includes a line of credit of $150.0 million. There were no short-term FHLB advances outstanding as of September 30, 2020 and $18.1 million in short-term FHLB advances outstanding as of December 31, 2019. There were $14.7 million in long-term FHLB advances outstanding as of September 30, 2020 and none outstanding at December 31, 2019. All FHLB borrowings are secured by qualifying assets of the Bank.

The components of long-term borrowings with the FHLB at September 30, 2020 were as follows:


	September 30, 2020
	(Dollars in Thousands)
Maturity Date	Interest Rate		Outstanding
March 2022	0.79%	$	10,000
March 2022	0.64%		2,663
March 2022	0.61%		1,988
Total FHLB Outstanding Borrowings		$	14,651

The Bank has a federal funds line of credit with the ACBB of $10.0 million, of which none was outstanding at September 30, 2020 and December 31, 2019. Advances from this line are unsecured.

As described in Note 3, the Bank has long-term PPPLF borrowings through the Federal Reserve Bank of Philadelphia of $62.0 million, at an interest rate of 0.35%, as of September 30, 2020 and none as of December 31, 2019. All PPPLF borrowings are secured by PPP loans.

Stock Incentive Plan And Employee Stock Purchase Plan

9 Months Ended

Sep. 30, 2020

Stock Incentive Plan And Employee Stock Purchase Plan [Abstract]

Stock Incentive Plan And Employee Stock Purchase Plan

Note 9 – Stock Incentive Plan and Employee Stock Purchase Plan

Stock Incentive Plan:

At the Company’s annual meeting on June 20, 2019, the shareholders approved the amendment and restatement of the Embassy Bancorp, Inc. 2010 Stock Incentive Plan (the “SIP”), which was originally adopted by the Company’s shareholders effective June 16, 2010, to replenish the number of shares of common stock available for issuance under the SIP and extend the term of the SIP for another ten (10) years. 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 increased from 500,000 to 756,356 (in order to replenish the shares that were previously issued). 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, 2020, there were 467,790 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 three 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 period ended September 30, 2020, there have been 172,323 awards granted. There were no awards granted during the three months ended September 30, 2020 and 2019. During the nine months ended September 30, 2020 and 2019 there were

32,210 and 10,799 awards granted, respectively. During the three and nine months ended September 30, 2020, the Company recognized $41 thousand and $82 thousand in compensation expense for restricted stock awards, respectively. During the three and nine months ended September 30, 2019, the Company recognized compensation expense of $51 thousand and $152 thousand, respectively.

The Company has granted stock options to purchase shares of stock to certain executive officers under individual agreements and/or in accordance with their respective employment agreements. There was no stock compensation expense related to these options for the three and nine months ended September 30, 2020 and $1 thousand and $3 thousand in stock compensation expense for the three and nine months ended September 30, 2019, 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 shall initially equal 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 14,156 shares have been issued as of September 30, 2020. The Company recognized discount expense in relation to the ESPP of $1 thousand and $2 thousand for the three and nine months ended September 30, 2020 and 2019, respectively.

Other Comprehensive (Loss) Income

9 Months Ended

Sep. 30, 2020

Other Comprehensive (Loss) Income [Abstract]

Other Comprehensive (Loss) Income

Note 10 – Other Comprehensive (Loss) Income

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.

The components of other comprehensive (loss) income both before tax and net of tax are as follows:



	Three Months Ended September 30,
	2020						2019

	(In Thousands)

	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive (loss) income:
Unrealized holding (losses) gains on securities ‎ available for sale	$	(48)	$	10	$	(38)	$	194	$	(41)	$	153
Reclassification adjustments for gains on securities ‎ transactions included in net income (A),(B)		-		-		-		-		-		-
Total other comprehensive (loss) income	$	(48)	$	10	$	(38)	$	194	$	(41)	$	153



	Nine Months Ended September 30,
	2020						2019

	(In Thousands)

	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive income:
Unrealized holding gains on securities ‎ available for sale	$	2,168	$	(455)	$	1,713	$	3,240	$	(680)	$	2,560
Reclassification adjustments for gains on securities ‎ transactions included in net income (A),(B)		(128)		27		(101)		-		-		-
Total other comprehensive income	$	2,040	$	(428)	$	1,612	$	3,240	$	(680)	$	2,560

A.Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.

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 months ended September 30, 2020 and 2019. A summary of the realized gains on securities available for sale for the nine months ended September 30, 2020 and 2019, net of tax, is as follows:


	Nine Months Ended
	September 30,
		2020		2019

		(In Thousands)
Securities available for sale:
Realized gains on securities transactions	$	(128)	$	-
Income taxes		27		-
Net of tax	$	(101)	$	-

A summary of the accumulated other comprehensive income net of tax, is as follows:



	Securities
	Available
	for Sale
Three Months Ended September 30, 2020 and 2019	(In Thousands)
Balance June 30, 2020	$	2,990
Other comprehensive loss before reclassifications		(38)
Amounts reclassified from accumulated other ‎ comprehensive income		-
Net other comprehensive loss during the period		(38)
Balance September 30, 2020	$	2,952

Balance June 30, 2019	$	1,160
Other comprehensive income before reclassifications		153
Amounts reclassified from accumulated other ‎ comprehensive income		-
Net other comprehensive income during the period		153
Balance September 30, 2019	$	1,313


Nine Months Ended September 30, 2020 and 2019
Balance January 1, 2020	$	1,340
Other comprehensive income before reclassifications		1,713
Amounts reclassified from accumulated other ‎ comprehensive income		(101)
Net other comprehensive income during the period		1,612
Balance September 30, 2020	$	2,952

Balance January 1, 2019	$	(1,247)
Other comprehensive income before reclassifications		2,560
Amounts reclassified from accumulated other ‎ comprehensive income		-
Net other comprehensive income during the period		2,560
Balance September 30, 2019	$	1,313

Basic And Diluted Earnings Per Share

9 Months Ended

Sep. 30, 2020

Basic And Diluted Earnings Per Share [Abstract]

Basic And Diluted Earnings Per Share

‎

Note 11 – 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,
	2020		2019		2020		2019
	(Dollars In Thousands, Except Share and Per Share Data)
Net income	$	3,424	$	2,829	$	9,198	$	7,995

Weighted average shares outstanding		7,473,032		7,476,936		7,463,002		7,474,400
Dilutive effect of potential common shares, stock options		45,964		62,051		45,963		61,979
Diluted weighted average common shares outstanding		7,518,996		7,538,987		7,508,965		7,536,379

Basic earnings per share	$	0.46	$	0.38	$	1.23	$	1.07
Diluted earnings per share	$	0.46	$	0.38	$	1.22	$	1.06

Stock options of 4,227 were not considered in computing diluted earnings per common share for the three and nine months ended September 30, 2020 because to do so would have been anti-dilutive. There were no stock options not considered in computing diluted earnings per common share for the three and nine months ended September 30, 2019.

Fair Value Measurements

9 Months Ended

Sep. 30, 2020

Fair Value Measurements [Abstract]

Fair Value Measurements

Note 12 – 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, 2020 and December 31, 2019, 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	$	-	$	19,998	$	-	$	19,998
U.S. Government agency obligations		-		13,532		-		13,532
Municipal bonds		-		38,305		-		38,305
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - commercial		-		550		-		550
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		49,261		-		49,261
September 30, 2020 Securities available for sale	$	-	$	121,646	$	-	$	121,646

Municipal bonds	$	-	$	26,444	$	-	$	26,444
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		64,385		-		64,385
December 31, 2019 Securities available for sale	$	-	$	90,829	$	-	$	90,829

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, 2020 and December 31, 2019, 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, 2020 Impaired loans	$	-	$	-	$	1,365	$	1,365
December 31, 2019 Impaired loans	$	-	$	-	$	848	$	848

Impaired loans are those that are accounted for under existing 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, 2020, of the impaired loans having an aggregate balance of $3.6 million, $2.1 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 $1.5 million in impaired loans, an aggregate valuation allowance of $177 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 both September 30, 2020 and December 31, 2019, 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, 2020:
Impaired loans	$	1,365	Appraisal of collateral and	Appraisal adjustments (1)	0% to -25% (-15.1%)
			pending agreement of sale	Liquidation expenses (2)	0% to -10.0% (-8.5%)
December 31, 2019:
Impaired loans	$	848	Appraisal of collateral	Appraisal adjustments (1)	0% to -25% (-25%)
				Liquidation expenses (2)	0% to -7.5% (-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, 2020 and December 31, 2019:



						(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, 2020:
Financial assets:
Cash and cash equivalents	$	86,699	$	86,699	$	86,699	$	-	$	-
Securities available-for-sale		121,646		121,646		-		121,646		-
Loans receivable, net of allowance		1,048,885		1,168,911		-		-		1,168,911
Paycheck Protection Program loans receivable		67,020		67,558		-		-		67,558
Restricted investments in bank stock		1,330		1,330		-		1,330		-
Accrued interest receivable		3,236		3,236		-		3,236		-
Financial liabilities:
Deposits		1,149,450		1,152,953		-		1,152,953		-
Securities sold under agreements to
repurchase and federal funds purchased		11,181		11,181		-		11,181		-
Long-term borrowings		14,651		14,708		-		-		14,708
Paycheck Protection Program Liquidity Facility		62,039		62,144		-		-		62,144
Accrued interest payable		1,670		1,670		-		1,670		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

December 31, 2019:
Financial assets:
Cash and cash equivalents	$	39,986	$	39,986	$	39,986	$	-	$	-
Securities available-for-sale		90,829		90,829		-		90,829		-
Loans receivable, net of allowance		1,006,117		1,013,093		-		-		1,013,093
Restricted investments in bank stock		1,478		1,478		-		1,478		-
Accrued interest receivable		2,048		2,048		-		2,048		-
Financial liabilities:
Deposits		1,031,968		1,033,786		-		1,033,786		-
Securities sold under agreements to
repurchase and federal funds purchased		7,208		7,208		-		7,208		-
Short-term borrowings		18,067		18,067		-		18,067		-
Accrued interest payable		3,281		3,281		-		3,281		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Future Accounting Standards

9 Months Ended

Sep. 30, 2020

Future Accounting Standards [Abstract]

Future Accounting Standards

Note 13 – Future Accounting Standards

In June 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-13, “Financial Instruments - Credit Losses”. ASU 2016-13 requires entities to report “expected” credit losses on financial instruments and other commitments to extend credit rather than the current “incurred loss” model. These expected credit losses for financial assets held at the reporting date are to be based on historical experience, current conditions, and reasonable and supportable forecasts. This ASU will also require enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as

well as the credit quality and underwriting standards of an entity’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. In November 2019, the FASB issued an update to defer the implementation date for smaller reporting companies from 2020 to 2023. The Company currently qualifies as a smaller reporting company under SEC Regulation S-K and, therefore, the guidance is effective for the Company in 2023. The Company has not yet determined the impact this standard will have on its consolidated financial statements or results of operations.

Basis Of Presentation (Policy)	9 Months Ended
Basis Of Presentation (Policy)	Sep. 30, 2020
Basis Of Presentation [Abstract]
Consolidation	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, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020.

COVID-19 (Tables)

9 Months Ended

Sep. 30, 2020

Schedule Of COVID-19 Payment Accommodations Based On Loan Type And Amount


	Number of Loans	Loan Amount
		(In Thousands)
Commercial real estate	143	$	131,391
Commercial	49		8,816
Residential real estate	77		15,011
Consumer	2		33
Total	271	$	155,251

PPPLF Borrowings [Member]

Components Of Long-term Borrowings With PPPLF


	September 30, 2020
	(Dollars in Thousands)
Maturity Date	Interest Rate		Outstanding
April 2022	0.35%	$	38,701
May 2022	0.35%		23,338
Total PPPLF Outstanding Borrowings		$	62,039

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=114775744&loc=d3e28541-108399

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21506-112644

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(e),(f))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=114775744&loc=d3e28551-108399

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21521-112644

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21538-112644

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=75038535&loc=d3e64711-112823

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21475-112644

+ Details

Securities Available For Sale (Tables)

9 Months Ended

Sep. 30, 2020

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, 2020:
U.S. Treasury securities	$	19,997	$	1	$	-	$	19,998
U.S. Government agency obligations		13,529		3		-		13,532
Municipal bonds		36,570		1,735		-		38,305
U.S. Government Sponsored Enterprise (GSE) - ‎ Mortgage-backed securities - commercial		513		37		-		550
U.S. Government Sponsored Enterprise (GSE) - ‎ Mortgage-backed securities - residential		47,300		1,961		-		49,261
Total	$	117,909	$	3,737	$	-	$	121,646

December 31, 2019:
Municipal bonds	$	25,586	$	863	$	(5)	$	26,444
U.S. Government Sponsored Enterprise (GSE) - ‎ Mortgage-backed securities - residential		63,546		877		(38)		64,385
Total	$	89,132	$	1,740	$	(43)	$	90,829

Securities Available-For-Sale By Contractual Maturity



		Amortized		Fair
		Cost		Value

	(In Thousands)
Due in one year or less	$	34,681	$	34,687
Due after one year through five years		1,675		1,685
Due after five years through ten years		5,899		6,120
Due after ten years		27,841		29,343
		70,096		71,835
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - commercial		513		550
U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities - residential		47,300		49,261
Total	$	117,909	$	121,646

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

December 31, 2019:	(In Thousands)
Municipal bonds	$	1,295	$	(5)	$	-	$	-	$	1,295	$	(5)
U.S. Government Sponsored Enterprise
(GSE) - Mortgage -backed securities -
residential		4,701		(1)		8,528		(37)		13,229		(38)
Total Temporarily Impaired Securities	$	5,996	$	(6)	$	8,528	$	(37)	$	14,524	$	(43)

Loans And Credit Quality (Tables)

9 Months Ended

Sep. 30, 2020

Loans And Credit Quality [Abstract]

Composition Of Loans Receivable



	September 30, 2020			December 31, 2019
			Percentage of			Percentage of
	Balance		total Loans	Balance		total Loans

		(Dollars in Thousands)

Commercial real estate	$	449,268	42.46%	$	427,987	42.24%
Commercial construction		11,297	1.07%		12,622	1.25%
Commercial		44,902	4.24%		53,747	5.30%
Residential real estate		551,960	52.16%		518,150	51.13%
Consumer		712	0.07%		820	0.08%
Total loans		1,058,139	100.00%		1,013,326	100.00%
Unearned origination fees		464			813
Allowance for loan losses		(9,718)			(8,022)
Net Loans	$	1,048,885		$	1,006,117

Schedule Of Loan Portfolio By Aggregate Risk Rating



	Pass		Special Mention		Substandard		Doubtful		Total

September 30, 2020		(In Thousands)
Commercial real estate	$	447,828	$	-	$	1,440	$	-	$	449,268
Commercial construction		10,982		-		315		-		11,297
Commercial		44,820		82		-		-		44,902
Residential real estate		550,897		518		545		-		551,960
Consumer		712		-		-		-		712
Total	$	1,055,239	$	600	$	2,300	$	-	$	1,058,139

December 31, 2019
Commercial real estate	$	426,526	$	-	$	1,461	$	-	$	427,987
Commercial construction		12,307		-		315		-		12,622
Commercial		53,656		91		-		-		53,747
Residential real estate		517,281		719		150		-		518,150
Consumer		820		-		-		-		820
Total	$	1,010,590	$	810	$	1,926	$	-	$	1,013,326

Schedule Of Impaired Loans

‎

The following table summarizes information in regards to impaired loans by loan portfolio class as of September 30, 2020 and December 31, 2019, respectively:


	September 30, 2020						December 31, 2019
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	862	$	1,102			$	1,626	$	1,890
Commercial construction		315		315				315		315
Commercial		-		-				-		-
Residential real estate		914		984				530		786
Consumer		-		-				-		-
With an allowance recorded:
Commercial real estate	$	700	$	700	$	25	$	-	$	-	$	-
Commercial construction		-		-		-		-		-		-
Commercial		231		231		25		234		234		27
Residential real estate		611		611		127		816		816		175
Consumer		-		-		-		-		-		-
Total:
Commercial real estate	$	1,562	$	1,802	$	25	$	1,626	$	1,890	$	-
Commercial construction		315		315		-		315		315		-
Commercial		231		231		25		234		234		27
Residential real estate		1,525		1,595		127		1,346		1,602		175
Consumer		-		-		-		-		-		-
	$	3,633	$	3,943	$	177	$	3,521	$	4,041	$	202

‎

The following tables summarize information regarding the average recorded investment and interest income recognized on impaired loans by loan portfolio for the three and nine months ended September 30, 2020 and 2019, respectively:


	Three Months Ended September 30,
	2020				2019
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	870	$	13	$	1,702	$	17
Commercial construction		315		3		315		3
Commercial		-		-		-		-
Residential real estate		920		7		667		3
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	700	$	5	$	-	$	-
Commercial construction		-		-		-		-
Commercial		232		2		237		1
Residential real estate		614		5		828		7
Consumer		1		-		-		-
Total:
Commercial real estate	$	1,570	$	18	$	1,702	$	17
Commercial construction		315		3		315		3
Commercial		232		2		237		1
Residential real estate		1,534		12		1,495		10
Consumer		1		-		-		-
	$	3,652	$	35	$	3,749	$	31


	Nine Months Ended September 30,
	2020				2019
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
With no related allowance recorded:
Commercial real estate	$	1,063	$	37	$	1,713	$	51
Commercial construction		315		8		315		9
Commercial		-		-		-		-
Residential real estate		769		23		684		8
Consumer		-		-		-		-
With an allowance recorded:
Commercial real estate	$	525	$	16	$	-	$	-
Commercial construction		-		-		-		-
Commercial		233		7		238		6
Residential real estate		667		16		835		22
Consumer		1		-		-		-
Total:
Commercial real estate	$	1,588	$	53	$	1,713	$	51
Commercial construction		315		8		315		9
Commercial		233		7		238		6
Residential real estate		1,436		39		1,519		30
Consumer		1		-		-		-
	$	3,573	$	107	$	3,785	$	96

Schedule Of Nonaccrual Loans



	September 30, 2020		December 31, 2019

	(In Thousands)
Commercial real estate	$	-	$	-
Commercial construction		-		-
Commercial		-		-
Residential real estate		236		18
Consumer		-		-
Total	$	236	$	18

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, 2020	(In Thousands)
Commercial real estate	$	-	$	-	$	117	$	117	$	449,151	$	449,268	$	117
Commercial construction		-		-		-		-		11,297		11,297		-
Commercial		309		135		-		444		44,458		44,902		-
Residential real estate		1,125		1,800		-		2,925		549,035		551,960		-
Consumer		-		-		-		-		712		712		-
Total	$	1,434	$	1,935	$	117	$	3,486	$	1,054,653	$	1,058,139	$	117

December 31, 2019
Commercial real estate	$	-	$	-	$	-	$	-	$	427,987	$	427,987	$	-
Commercial construction		-		-		-		-		12,622		12,622		-
Commercial		-		-		-		-		53,747		53,747		-
Residential real estate		951		-		-		951		517,199		518,150		-
Consumer		-		-		-		-		820		820		-
Total	$	951	$	-	$	-	$	951	$	1,012,375	$	1,013,326	$	-

Activity In Allowance For Loan Losses



	Commercial Real Estate		Commercial Construction		Commercial		Residential Real Estate		Consumer		Unallocated		Total

Allowance for loan losses	(In Thousands)
Three Months Ending September 30, 2020
Beginning Balance - June 30, 2020	$	3,574	$	113	$	762	$	3,618	$	16	$	934	$	9,017
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		1		-		-		1
Provisions		743		25		33		183		(1)		(283)		700
Ending Balance - September 30, 2020	$	4,317	$	138	$	795	$	3,802	$	15	$	651	$	9,718

Nine Months Ending September 30, 2020
Beginning Balance - December 31, 2019	$	3,221	$	121	$	770	$	3,488	$	19	$	403	$	8,022
Charge-offs		-		-		-		-		-		-		-
Recoveries		24		-		-		2		-		-		26
Provisions		1,072		17		25		312		(4)		248		1,670
Ending Balance - September 30, 2020	$	4,317	$	138	$	795	$	3,802	$	15	$	651	$	9,718

Three Months Ending September 30, 2019
Beginning Balance - June 30, 2019	$	3,220	$	105	$	643	$	3,265	$	24	$	384	$	7,641
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		-		1		-		-		1
Provisions		(66)		(18)		74		145		(9)		(6)		120
Ending Balance - September 30, 2019	$	3,154	$	87	$	717	$	3,411	$	15	$	378	$	7,762

Nine Months Ending September 30, 2019
Beginning Balance - December 31, 2018	$	3,248	$	94	$	574	$	3,179	$	19	$	298	$	7,412
Charge-offs		-		-		-		-		-		-		-
Recoveries		-		-		4		1		-		-		5
Provisions		(94)		(7)		139		231		(4)		80		345
Ending Balance - September 30, 2019	$	3,154	$	87	$	717	$	3,411	$	15	$	378	$	7,762

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, 2020
Allowance for Loan Losses
Ending Balance	$	4,317	$	138	$	795	$	3,802	$	15	$	651	$	9,718
Ending balance: individually evaluated for impairment	$	25	$	-	$	25	$	127	$	-	$	-	$	177
Ending balance: collectively evaluated for impairment	$	4,292	$	138	$	770	$	3,675	$	15	$	651	$	9,541

Loans receivables:
Ending balance	$	449,268	$	11,297	$	44,902	$	551,960	$	712			$	1,058,139
Ending balance: individually evaluated for impairment	$	1,562	$	315	$	231	$	1,525	$	-			$	3,633
Ending balance: collectively evaluated for impairment	$	447,706	$	10,982	$	44,671	$	550,435	$	712			$	1,054,506

December 31, 2019
Allowance for Loan Losses
Ending Balance	$	3,221	$	121	$	770	$	3,488	$	19	$	403	$	8,022
Ending balance: individually evaluated for impairment	$	-	$	-	$	27	$	175	$	-	$	-	$	202
Ending balance: collectively evaluated for impairment	$	3,221	$	121	$	743	$	3,313	$	19	$	403	$	7,820

Loans receivables:
Ending balance	$	427,987	$	12,622	$	53,747	$	518,150	$	820			$	1,013,326
Ending balance: individually evaluated for impairment	$	1,626	$	315	$	234	$	1,346	$	-			$	3,521
Ending balance: collectively evaluated for impairment	$	426,361	$	12,307	$	53,513	$	516,804	$	820			$	1,009,805

Troubled Debt Restructuring Outstanding



	Accrual Loans		Non-Accrual Loans		Total Modifications

September 30, 2020	(In Thousands)
Commercial real estate	$	1,135	$	-	$	1,135
Commercial construction		260		-		260
Commercial		231		-		231
Residential real estate		954		16		970
Consumer		-		-		-
	$	2,580	$	16	$	2,596

December 31, 2019
Commercial real estate	$	1,188	$	-	$	1,188
Commercial construction		260		-		260
Commercial		233		-		233
Residential real estate		982		18		1,000
Consumer		-		-		-
	$	2,663	$	18	$	2,681

Deposits (Tables)

9 Months Ended

Sep. 30, 2020

Deposits [Abstract]

Components Of Deposits


	September 30,		December 31,
	2020		2019
	(In Thousands)

Demand, non-interest bearing	$	261,088	$	171,815
Demand, NOW and money market, interest bearing		179,342		180,869
Savings		497,086		425,284
Time, $250 and over		83,984		92,517
Time, other		127,950		161,483
Total deposits	$	1,149,450	$	1,031,968

Scheduled Maturities of Time Deposits


2020 (remainder of the year)	$	49,451
2021		114,979
2022		16,620
2023		25,602
2024		4,187
2025		1,095
	$	211,934

Short-Term And Long-Term Borrowings (Tables)

9 Months Ended

Sep. 30, 2020

Federal Home Loan Bank [Member]

Components Of Long-Term Borrowings With FHLB


	September 30, 2020
	(Dollars in Thousands)
Maturity Date	Interest Rate		Outstanding
March 2022	0.79%	$	10,000
March 2022	0.64%		2,663
March 2022	0.61%		1,988
Total FHLB Outstanding Borrowings		$	14,651

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=114775744&loc=d3e28541-108399

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21506-112644

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(e),(f))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=114775744&loc=d3e28551-108399

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21521-112644

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21538-112644

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=75038535&loc=d3e64711-112823

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21475-112644

+ Details

Other Comprehensive (Loss) Income (Tables)

9 Months Ended

Sep. 30, 2020

Other Comprehensive (Loss) Income [Abstract]

Components Of Other Comprehensive (Loss) Income



	Three Months Ended September 30,
	2020						2019

	(In Thousands)

	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive (loss) income:
Unrealized holding (losses) gains on securities ‎ available for sale	$	(48)	$	10	$	(38)	$	194	$	(41)	$	153
Reclassification adjustments for gains on securities ‎ transactions included in net income (A),(B)		-		-		-		-		-		-
Total other comprehensive (loss) income	$	(48)	$	10	$	(38)	$	194	$	(41)	$	153



	Nine Months Ended September 30,
	2020						2019

	(In Thousands)

	Before		Tax		Net of		Before		Tax		Net of
	Tax		Effect		Tax		Tax		Effect		Tax
Change in accumulated other comprehensive income:
Unrealized holding gains on securities ‎ available for sale	$	2,168	$	(455)	$	1,713	$	3,240	$	(680)	$	2,560
Reclassification adjustments for gains on securities ‎ transactions included in net income (A),(B)		(128)		27		(101)		-		-		-
Total other comprehensive income	$	2,040	$	(428)	$	1,612	$	3,240	$	(680)	$	2,560

A.Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.

B.Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Summary Of Realized Gains On Securities Available For Sale, Net Of Tax


	Nine Months Ended
	September 30,
		2020		2019

		(In Thousands)
Securities available for sale:
Realized gains on securities transactions	$	(128)	$	-
Income taxes		27		-
Net of tax	$	(101)	$	-

Summary Of Accumulated Other Comprehensive Income, Net Of Tax



	Securities
	Available
	for Sale
Three Months Ended September 30, 2020 and 2019	(In Thousands)
Balance June 30, 2020	$	2,990
Other comprehensive loss before reclassifications		(38)
Amounts reclassified from accumulated other ‎ comprehensive income		-
Net other comprehensive loss during the period		(38)
Balance September 30, 2020	$	2,952

Balance June 30, 2019	$	1,160
Other comprehensive income before reclassifications		153
Amounts reclassified from accumulated other ‎ comprehensive income		-
Net other comprehensive income during the period		153
Balance September 30, 2019	$	1,313


Nine Months Ended September 30, 2020 and 2019
Balance January 1, 2020	$	1,340
Other comprehensive income before reclassifications		1,713
Amounts reclassified from accumulated other ‎ comprehensive income		(101)
Net other comprehensive income during the period		1,612
Balance September 30, 2020	$	2,952

Balance January 1, 2019	$	(1,247)
Other comprehensive income before reclassifications		2,560
Amounts reclassified from accumulated other ‎ comprehensive income		-
Net other comprehensive income during the period		2,560
Balance September 30, 2019	$	1,313

Basic And Diluted Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2020

Basic And Diluted Earnings Per Share [Abstract]

Earnings Per Share


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2020		2019		2020		2019
	(Dollars In Thousands, Except Share and Per Share Data)
Net income	$	3,424	$	2,829	$	9,198	$	7,995

Weighted average shares outstanding		7,473,032		7,476,936		7,463,002		7,474,400
Dilutive effect of potential common shares, stock options		45,964		62,051		45,963		61,979
Diluted weighted average common shares outstanding		7,518,996		7,538,987		7,508,965		7,536,379

Basic earnings per share	$	0.46	$	0.38	$	1.23	$	1.07
Diluted earnings per share	$	0.46	$	0.38	$	1.22	$	1.06

Fair Value Measurements (Tables)

9 Months Ended

Sep. 30, 2020

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	$	-	$	19,998	$	-	$	19,998
U.S. Government agency obligations		-		13,532		-		13,532
Municipal bonds		-		38,305		-		38,305
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - commercial		-		550		-		550
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		49,261		-		49,261
September 30, 2020 Securities available for sale	$	-	$	121,646	$	-	$	121,646

Municipal bonds	$	-	$	26,444	$	-	$	26,444
U.S. Government Sponsored Enterprise (GSE) -
Mortgage-backed securities - residential		-		64,385		-		64,385
December 31, 2019 Securities available for sale	$	-	$	90,829	$	-	$	90,829

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, 2020 Impaired loans	$	-	$	-	$	1,365	$	1,365
December 31, 2019 Impaired loans	$	-	$	-	$	848	$	848

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, 2020:
Impaired loans	$	1,365	Appraisal of collateral and	Appraisal adjustments (1)	0% to -25% (-15.1%)
			pending agreement of sale	Liquidation expenses (2)	0% to -10.0% (-8.5%)
December 31, 2019:
Impaired loans	$	848	Appraisal of collateral	Appraisal adjustments (1)	0% to -25% (-25%)
				Liquidation expenses (2)	0% to -7.5% (-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, 2020:
Financial assets:
Cash and cash equivalents	$	86,699	$	86,699	$	86,699	$	-	$	-
Securities available-for-sale		121,646		121,646		-		121,646		-
Loans receivable, net of allowance		1,048,885		1,168,911		-		-		1,168,911
Paycheck Protection Program loans receivable		67,020		67,558		-		-		67,558
Restricted investments in bank stock		1,330		1,330		-		1,330		-
Accrued interest receivable		3,236		3,236		-		3,236		-
Financial liabilities:
Deposits		1,149,450		1,152,953		-		1,152,953		-
Securities sold under agreements to
repurchase and federal funds purchased		11,181		11,181		-		11,181		-
Long-term borrowings		14,651		14,708		-		-		14,708
Paycheck Protection Program Liquidity Facility		62,039		62,144		-		-		62,144
Accrued interest payable		1,670		1,670		-		1,670		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

December 31, 2019:
Financial assets:
Cash and cash equivalents	$	39,986	$	39,986	$	39,986	$	-	$	-
Securities available-for-sale		90,829		90,829		-		90,829		-
Loans receivable, net of allowance		1,006,117		1,013,093		-		-		1,013,093
Restricted investments in bank stock		1,478		1,478		-		1,478		-
Accrued interest receivable		2,048		2,048		-		2,048		-
Financial liabilities:
Deposits		1,031,968		1,033,786		-		1,033,786		-
Securities sold under agreements to
repurchase and federal funds purchased		7,208		7,208		-		7,208		-
Short-term borrowings		18,067		18,067		-		18,067		-
Accrued interest payable		3,281		3,281		-		3,281		-
Off-balance sheet financial instruments:
Commitments to grant loans		-		-		-		-		-
Unfunded commitments under lines of credit		-		-		-		-		-
Standby letters of credit		-		-		-		-		-

Basis Of Presentation (Details) - USD ($) $ in Millions		9 Months Ended
Basis Of Presentation (Details) - USD ($) $ in Millions	Oct. 21, 2020	Sep. 30, 2020
Reason for business combination		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.
Effective date of acquisition		Nov. 11, 2008
Subsequent Event [Member]
Purchase of an additional bank owned life insurance	$ 4.0

COVID-19 (Narrative) (Details)			3 Months Ended	9 Months Ended	12 Months Ended
COVID-19 (Narrative) (Details)	Nov. 03, 2020 USD ($)	Oct. 28, 2020 USD ($) loan	Sep. 30, 2020 USD ($)	Sep. 30, 2020 USD ($) loan	Dec. 31, 2019 USD ($)
Loans amount			$ 1,058,139,000	$ 1,058,139,000	$ 1,013,326,000
Increase in allowance for loan losses				1,700,000
Loans receivable, allowance			9,718,000	$ 9,718,000	$ 8,022,000
Percentage of allowance for loan losses				0.92%	0.79%
Percentage of nonperforming loans to total loans receivable				0.28%	0.26%
Percentage of loan portfolio collateralized by real estate				95.00%
Percentage of loan portfolio to borrowers in the more particularly hard-hit industries				6.00%
CARES Act [Member]
Number of PPP loans \| loan				550
Unearned origination fees and costs			1,600,000	$ 1,600,000
PPP loan receivable amount for which SBA loan guarantee approval received			$ 67,000,000.0	$ 67,000,000.0
PPP loans guarantee percent by the SBA			100.00%	100.00%
Interest rate on PPP loans				1.00%
Percentage of proceeds customersu use for payroll costs to qualify for SBA loan forgiveness				60.00%
Deferred PPP loan fees				$ 2,200,000
Loans receivable, allowance			$ 0	$ 0
COVID-19 [Member]
Number of loans included in COVID-19 payment accommodations \| loan				271
Loans amount			155,251,000	$ 155,251,000
Charge-offs			0	$ 0	$ 0
Minimum [Member] \| CARES Act [Member]
PPP loans maturity term				2 years
Maximum [Member] \| CARES Act [Member]
PPP loans maturity term				5 years
First Short-term Payment Accommodation [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan				4
First Short-term Payment Accommodation [Member] \| COVID-19 [Member]
Loans amount			246,000	$ 246,000
Second Short-term Payment Accommodation [Member] \| CARES Act [Member]
Loans amount			41,500,000	$ 41,500,000
Second Short-term Payment Accommodation [Member] \| COVID-19 [Member]
Number of loans included in COVID-19 payment accommodations \| loan				31
Third Short-term Payment Accommodation [Member] \| COVID-19 [Member]
Number of loans included in COVID-19 payment accommodations \| loan				2
Loans amount			82,000	$ 82,000
Payment Accommodations Period Ended [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan				234
Loans amount			$ 113,500,000	$ 113,500,000
Subsequent Event [Member] \| CARES Act [Member]
Proceeds from forgiveness payments on PPP loans from SBA	$ 2,000,000.0
PPP loans awaiting decision on forgiveness	$ 5,500,000
Subsequent Event [Member] \| Section 4013 Loan [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		264
Loans amount		$ 153,700,000
Subsequent Event [Member] \| Section 4013 Loan [Member] \| First Short-term Payment Accommodation [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		6
Loans amount		$ 394,000
Subsequent Event [Member] \| Section 4013 Loan [Member] \| Second Short-term Payment Accommodation [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		11
Loans amount		$ 4,000,000.0
Subsequent Event [Member] \| Section 4013 Loan [Member] \| Third Short-term Payment Accommodation [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		5
Loans amount		$ 15,900,000
Subsequent Event [Member] \| Section 4013 Loan [Member] \| Payment Accommodations Period Ended [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		242
Loans amount		$ 133,300,000
Subsequent Event [Member] \| Section 4013 Loan [Member] \| Loans Repaid In Full [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		9
PPP loan repaid in full		$ 1,300,000
Subsequent Event [Member] \| New Section 4013 Loan [Member] \| CARES Act [Member]
Number of loans included in COVID-19 payment accommodations \| loan		2
Loans amount		$ 148,000

COVID-19 (Schedule Of COVID-19 Payment Accommodations Based On Loan Type And Amount) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020 USD ($) loan	Dec. 31, 2019 USD ($)
Loans amount	$ 1,058,139	$ 1,013,326
Commercial real estate [Member]
Loans amount	449,268	427,987
Commercial [Member]
Loans amount	44,902	53,747
Residential real estate [Member]
Loans amount	551,960	518,150
Consumer [Member]
Loans amount	$ 712	$ 820
COVID-19 [Member]
Number of Loans \| loan	271
Loans amount	$ 155,251
COVID-19 [Member] \| Commercial real estate [Member]
Number of Loans \| loan	143
Loans amount	$ 131,391
COVID-19 [Member] \| Commercial [Member]
Number of Loans \| loan	49
Loans amount	$ 8,816
COVID-19 [Member] \| Residential real estate [Member]
Number of Loans \| loan	77
Loans amount	$ 15,011
COVID-19 [Member] \| Consumer [Member]
Number of Loans \| loan	2
Loans amount	$ 33

COVID-19 (Components Of Long-term Borrowings With PPPLF) (Details) $ in Thousands	Sep. 30, 2020 USD ($)
Total PPPLF Outstanding Borrowings	$ 62,039
Paycheck Protection Program Liquidity Facility (“PPPLF”) [Member]
Total PPPLF Outstanding Borrowings	$ 62,039
Paycheck Protection Program Liquidity Facility (“PPPLF”) [Member] \| PPPLF with 0.35% Interest Due in April 2022 [Member]
Interest rate	0.35%
Total PPPLF Outstanding Borrowings	$ 38,701
Paycheck Protection Program Liquidity Facility (“PPPLF”) [Member] \| PPPLF with 0.35% Interest Due in May 2020 [Member]
Interest rate	0.35%
Total PPPLF Outstanding Borrowings	$ 23,338

Securities Available For Sale (Narrative) (Details)	3 Months Ended		9 Months Ended
Securities Available For Sale (Narrative) (Details)	Sep. 30, 2020 USD ($)	Sep. 30, 2019 USD ($)	Sep. 30, 2020 USD ($)	Sep. 30, 2019 USD ($)	Dec. 31, 2019 USD ($) security
Securities Available For Sale [Abstract]
Sale of securities	$ 0	$ 0		$ 0
Securities pledged as collateral	92,600,000		$ 92,600,000		$ 74,000,000.0
Realized gross gains	$ 0	$ 0	128,000
Realized losses			$ 0
Securities in an unrealized loss position \| security					5

Securities Available For Sale (Amortized Cost And Fair Values Of Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 117,909	$ 89,132
Gross Unrealized Gains	3,737	1,740
Gross Unrealized Losses		(43)
Fair Value	121,646	90,829
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	19,997
Gross Unrealized Gains	1
Fair Value	19,998
U.S Government agency obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	13,529
Gross Unrealized Gains	3
Fair Value	13,532
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	36,570	25,586
Gross Unrealized Gains	1,735	863
Gross Unrealized Losses		(5)
Fair Value	38,305	26,444
U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	513
Gross Unrealized Gains	37
Fair Value	550
U.S. GSE - Mortgage-backed securities [Member] \| Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	47,300	63,546
Gross Unrealized Gains	1,961	877
Gross Unrealized Losses		(38)
Fair Value	$ 49,261	$ 64,385

Securities Available For Sale (Securities Available-For-Sale By Contractual Maturity) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Due in one year or less	$ 34,681
Amortized Cost, Due after one year through five years	1,675
Amortized Cost, Due after five years through ten years	5,899
Amortized Cost, Due after ten years	27,841
Amortized Cost, Debt Maturities, Total	70,096
Amortized Cost	117,909	$ 89,132
Fair Value, Due in one year or less	34,687
Fair Value, Due after one year through five years	1,685
Fair Value, Due after five years through ten years	6,120
Fair Value, Due after ten years	29,343
Fair Value, Debt maturities, Total	71,835
Fair Value, Total	121,646	90,829
U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	513
Amortized Cost	513
Fair Value, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	550
Fair Value, Total	550
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	47,300
Amortized Cost	47,300	63,546
Fair Value, U.S. Government Sponsored Enterprise (GSE) - Mortgage-backed securities	49,261
Fair Value, Total	$ 49,261	$ 64,385

Securities Available For Sale (Investments' Gross Unrealized Losses And Fair Value) (Details) $ in Thousands	Dec. 31, 2019 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	$ 5,996
Fair Value, 12 Months or More	8,528
Fair Value, Total	14,524
Unrealized Losses, Less Than 12 Months	(6)
Unrealized Losses, 12 Months or More	(37)
Unrealized Losses, Total	(43)
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	1,295
Fair Value, Total	1,295
Unrealized Losses, Less Than 12 Months	(5)
Unrealized Losses, Total	(5)
Residential [Member] \| U.S. GSE - Mortgage-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less Than 12 Months	4,701
Fair Value, 12 Months or More	8,528
Fair Value, Total	13,229
Unrealized Losses, Less Than 12 Months	(1)
Unrealized Losses, 12 Months or More	(37)
Unrealized Losses, Total	$ (38)

Restricted Investment In Bank Stock (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Federal Home Loan Bank of Pittsburgh [Member]
Investment stock at a carrying value	$ 1,300	$ 1,400
Atlantic Community Bankers Bank (ACBB) [Member
Investment stock at a carrying value	$ 40	$ 40

Loans And Credit Quality (Narrative) (Details)		3 Months Ended		9 Months Ended
Loans And Credit Quality (Narrative) (Details)	May 01, 2020 USD ($)	Sep. 30, 2020 USD ($) loan	Sep. 30, 2019 loan	Sep. 30, 2020 USD ($) loan	Sep. 30, 2019 loan	Dec. 31, 2019 USD ($)
Financing Receivable, Modifications [Line Items]
Proceeds from sale of loans				$ 748,000
Gain on sale of loans held for sale				59,000
Recorded Investment		$ 3,633,000		3,633,000		$ 3,521,000
Available commitments outstanding on TDRs		$ 0		$ 0
Number of new TDRs \| loan		0	0	0	0
Number of loans experiencing payment default \| loan		0	0	0	0
CARES Act [Member]
Financing Receivable, Modifications [Line Items]
PPP loan receivable amount for which SBA loan guarantee approval received		$ 67,000,000.0		$ 67,000,000.0
PPP loans guarantee percent by the SBA		100.00%		100.00%
Commercial credit cards loan portfolio [Member]
Financing Receivable, Modifications [Line Items]
Proceeds from sale of loans	$ 689,000
Gain on sale of loans held for sale	$ 59,000
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Real estate foreclosed assets		$ 0		$ 0		0
Loans collateralized by residential real estate in process of foreclosure		0		0		0
Residential real estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment		$ 1,525,000		$ 1,525,000		$ 1,346,000

Loans And Credit Quality (Composition Of Loans Receivable) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	100.00%	100.00%
Total Loans	$ 1,058,139	$ 1,013,326
Unearned origination fees	464	813
Allowance for Loan Losses	(9,718)	(8,022)
Net Loans	$ 1,048,885	$ 1,006,117
Commercial real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	42.46%	42.24%
Total Loans	$ 449,268	$ 427,987
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	4.24%	5.30%
Total Loans	$ 44,902	$ 53,747
Residential real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	52.16%	51.13%
Total Loans	$ 551,960	$ 518,150
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	0.07%	0.08%
Total Loans	$ 712	$ 820
Construction [Member] \| Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of total Loans	1.07%	1.25%
Total Loans	$ 11,297	$ 12,622

Loans And Credit Quality (Schedule Of Loan Portfolio By Aggregate Risk Rating) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	$ 1,058,139	$ 1,013,326
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	1,055,239	1,010,590
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	600	810
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	2,300	1,926
Commercial real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	449,268	427,987
Commercial real estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	447,828	426,526
Commercial real estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	1,440	1,461
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	44,902	53,747
Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	44,820	53,656
Commercial [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	82	91
Residential real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	551,960	518,150
Residential real estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	550,897	517,281
Residential real estate [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	518	719
Residential real estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	545	150
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	712	820
Consumer [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	712	820
Construction [Member] \| Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	11,297	12,622
Construction [Member] \| Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	10,982	12,307
Construction [Member] \| Commercial [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross	$ 315	$ 315

Loans And Credit Quality (Schedule Of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	$ 2,100		$ 2,100
Recorded Investment, With an allowance recorded	1,500		1,500
Total Recorded Investment	3,633		3,633		$ 3,521
Total Unpaid Principal Balance	3,943		3,943		4,041
Related Allowance	177		177		202
Total Average Recorded Investment Impaired	3,652	$ 3,749	3,573	$ 3,785
Total Interest Income Recognized	35	31	107	96
Commercial real estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	862		862		1,626
Recorded Investment, With an allowance recorded	700		700
Total Recorded Investment	1,562		1,562		1,626
Unpaid Principal Balance, With no related allowance recorded	1,102		1,102		1,890
Unpaid Principal Balance, With an allowance recorded	700		700
Total Unpaid Principal Balance	1,802		1,802		1,890
Related Allowance	25		25
Average Recorded Investment, With no related allowance recorded	870	1,702	1,063	1,713
Average Recorded Investment, With an allowance recorded	700		525
Total Average Recorded Investment Impaired	1,570	1,702	1,588	1,713
Interest Income Recognized, With no related allowance recorded	13	17	37	51
Interest Income Recognized, With an allowance recorded	5		16
Total Interest Income Recognized	18	17	53	51
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With an allowance recorded	231		231		234
Total Recorded Investment	231		231		234
Unpaid Principal Balance, With an allowance recorded	231		231		234
Total Unpaid Principal Balance	231		231		234
Related Allowance	25		25		27
Average Recorded Investment, With an allowance recorded	232	237	233	238
Total Average Recorded Investment Impaired	232	237	233	238
Interest Income Recognized, With an allowance recorded	2	1	7	6
Total Interest Income Recognized	2	1	7	6
Residential real estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	914		914		530
Recorded Investment, With an allowance recorded	611		611		816
Total Recorded Investment	1,525		1,525		1,346
Unpaid Principal Balance, With no related allowance recorded	984		984		786
Unpaid Principal Balance, With an allowance recorded	611		611		816
Total Unpaid Principal Balance	1,595		1,595		1,602
Related Allowance	127		127		175
Average Recorded Investment, With no related allowance recorded	920	667	769	684
Average Recorded Investment, With an allowance recorded	614	828	667	835
Total Average Recorded Investment Impaired	1,534	1,495	1,436	1,519
Interest Income Recognized, With no related allowance recorded	7	3	23	8
Interest Income Recognized, With an allowance recorded	5	7	16	22
Total Interest Income Recognized	12	10	39	30
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With an allowance recorded	1		1
Total Average Recorded Investment Impaired	1		1
Construction [Member] \| Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	315		315		315
Total Recorded Investment	315		315		315
Unpaid Principal Balance, With no related allowance recorded	315		315		315
Total Unpaid Principal Balance	315		315		$ 315
Average Recorded Investment, With no related allowance recorded	315	315	315	315
Total Average Recorded Investment Impaired	315	315	315	315
Interest Income Recognized, With no related allowance recorded	3	3	8	9
Total Interest Income Recognized	$ 3	$ 3	$ 8	$ 9

Loans And Credit Quality (Schedule Of Nonaccrual Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 236	$ 18
Residential real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-Accrual Loans	$ 236	$ 18

Loans And Credit Quality (Schedule Of Past Due Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,486	$ 951
Current	1,054,653	1,012,375
Total Loan Receivables	1,058,139	1,013,326
Loans Receivable > 90 Days and Accruing	117
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,434	951
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,935
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	117
Commercial real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	117
Current	449,151	427,987
Total Loan Receivables	449,268	427,987
Loans Receivable > 90 Days and Accruing	117
Commercial real estate [Member] \| Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	117
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	444
Current	44,458	53,747
Total Loan Receivables	44,902	53,747
Commercial [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	309
Commercial [Member] \| 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	135
Residential real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,925	951
Current	549,035	517,199
Total Loan Receivables	551,960	518,150
Residential real estate [Member] \| 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,125	951
Residential real estate [Member] \| 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,800
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	712	820
Total Loan Receivables	712	820
Construction [Member] \| Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	11,297	12,622
Total Loan Receivables	$ 11,297	$ 12,622

Loans And Credit Quality (Activity In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 9,017	$ 7,641	$ 8,022	$ 7,412	$ 7,412
Recoveries	1	1	26	5
Provision for loan losses	700	120	1,670	345
Ending balance	9,718	7,762	9,718	7,762	8,022
Commercial real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,574	3,220	3,221	3,248	3,248
Recoveries			24
Provision for loan losses	743	(66)	1,072	(94)
Ending balance	4,317	3,154	4,317	3,154	3,221
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	762	643	770	574	574
Recoveries				4
Provision for loan losses	33	74	25	139
Ending balance	795	717	795	717	770
Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	113	105	121	94	94
Provision for loan losses	25	(18)	17	(7)
Ending balance	138	87	138	87	121
Residential real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,618	3,265	3,488	3,179	3,179
Recoveries	1	1	2	1
Provision for loan losses	183	145	312	231
Ending balance	3,802	3,411	3,802	3,411	3,488
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	16	24	19	19	19
Provision for loan losses	(1)	(9)	(4)	(4)
Ending balance	15	15	15	15	19
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	934	384	403	298	298
Provision for loan losses	(283)	(6)	248	80
Ending balance	$ 651	$ 378	$ 651	$ 378	$ 403

Loans And Credit Quality (Allocation Of Allowance For Loan Losses And Related Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	$ 9,718	$ 9,017	$ 8,022	$ 7,762	$ 7,641	$ 7,412
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	177		202
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	9,541		7,820
Total Loan Receivables	1,058,139		1,013,326
Loans receivables, Ending balance: individually evaluated for impairment	3,633		3,521
Loans receivables, Ending balance: collectively evaluated for impairment	1,054,506		1,009,805
Commercial real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	4,317	3,574	3,221	3,154	3,220	3,248
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	25
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	4,292		3,221
Total Loan Receivables	449,268		427,987
Loans receivables, Ending balance: individually evaluated for impairment	1,562		1,626
Loans receivables, Ending balance: collectively evaluated for impairment	447,706		426,361
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	795	762	770	717	643	574
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	25		27
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	770		743
Total Loan Receivables	44,902		53,747
Loans receivables, Ending balance: individually evaluated for impairment	231		234
Loans receivables, Ending balance: collectively evaluated for impairment	44,671		53,513
Commercial [Member] \| Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	138	113	121	87	105	94
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	138		121
Total Loan Receivables	11,297		12,622
Loans receivables, Ending balance: individually evaluated for impairment	315		315
Loans receivables, Ending balance: collectively evaluated for impairment	10,982		12,307
Residential real estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	3,802	3,618	3,488	3,411	3,265	3,179
Allowance for Loan Losses, Ending balance: individually evaluated for impairment	127		175
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	3,675		3,313
Total Loan Receivables	551,960		518,150
Loans receivables, Ending balance: individually evaluated for impairment	1,525		1,346
Loans receivables, Ending balance: collectively evaluated for impairment	550,435		516,804
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	15	16	19	15	24	19
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	15		19
Total Loan Receivables	712		820
Loans receivables, Ending balance: collectively evaluated for impairment	712		820
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Ending Balance	651	$ 934	403	$ 378	$ 384	$ 298
Allowance for Loan Losses, Ending balance: collectively evaluated for impairment	$ 651		$ 403

Loans And Credit Quality (Troubled Debt Restructuring Outstanding) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Modifications [Line Items]
Total Modifications	$ 2,596	$ 2,681
Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	2,580	2,663
Non-Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	16	18
Commercial real estate [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,135	1,188
Commercial real estate [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	1,135	1,188
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	231	233
Commercial [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	231	233
Commercial [Member] \| Construction [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	260	260
Commercial [Member] \| Construction [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	260	260
Residential real estate [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	970	1,000
Residential real estate [Member] \| Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	954	982
Residential real estate [Member] \| Non-Accrual Loans [Member]
Financing Receivable, Modifications [Line Items]
Total Modifications	$ 16	$ 18

Deposits (Components Of Deposits) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Deposits [Abstract]
Demand, non-interest bearing	$ 261,088	$ 171,815
Demand, NOW and money market, interest bearing	179,342	180,869
Savings	497,086	425,284
Time, $250 and over	83,984	92,517
Time, other	127,950	161,483
Total Deposits	$ 1,149,450	$ 1,031,968

Deposits (Scheduled Maturities Of Time Deposits) (Details) $ in Thousands	Sep. 30, 2020 USD ($)
Deposits [Abstract]
2020 (remainder of the year)	$ 49,451
2021	114,979
2022	16,620
2023	25,602
2024	4,187
2025	1,095
Total time deposits	$ 211,934

Short-Term And Long-Term Borrowings (Narrative) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 684,500,000
Short-term advances with FHLB outstanding	0	$ 18,100,000
Long-term advances FHLB	14,651,000	0
Paycheck Protection Program Liquidity Facility borrowings	62,039,000
PPPLF Borrowings [Member]
Line of Credit Facility [Line Items]
Paycheck Protection Program Liquidity Facility borrowings	$ 62,000,000.0	0
Interest rate	0.35%
Maximum [Member]
Line of Credit Facility [Line Items]
Federal Home Loan Bank advance period	60 months
Federal Home Loan Bank Advances [Member]
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	$ 150,000,000.0
Atlantic Community Bankers Bank (ACBB) [Member
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	10,000,000.0	10,000,000.0
Line of credit outstanding	$ 0	$ 0

Short-Term And Long-Term Borrowings (Components Of Long-Term Borrowings With FHLB) (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total Outstanding Borrowings	$ 14,651,000	$ 0
FHLB with 0.79% Interest Due in March 2022 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total Outstanding Borrowings	$ 10,000,000
Long-term FHLB borrowings, interest rate	0.79%
FHLB with 0.64% Interest Due in March 2022 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total Outstanding Borrowings	$ 2,663,000
Long-term FHLB borrowings, interest rate	0.64%
FHLB with 0.61% Interest Due in March 2022 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total Outstanding Borrowings	$ 1,988,000
Long-term FHLB borrowings, interest rate	0.61%

Stock Incentive Plan And Employee Stock Purchase Plan (Details) - USD ($)	3 Months Ended						9 Months Ended		21 Months Ended	120 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2020	Jun. 19, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued under employee stock purchase plan, shares	1,607	1,038	1,289	888	712	894
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock compensation expense	$ 0			$ 1,000			$ 0	$ 3,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted	0			0			32,210	10,799		172,323
Restricted stock awards compensation expense	$ 41,000			$ 51,000			$ 82,000	$ 152,000
Minimum [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 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 period							10 years
Award vesting period							10 years
Number of shares authorized											500,000
Award expiration date							Jun. 20, 2029
Shares available for issuance	467,790						467,790		467,790	467,790
2010 Stock Incentive Plan [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
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	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							95.00%
Maximum discount to fair value percentage							15.00%
Employee stock purchase plan, discount expense	$ 1,000			$ 1,000					$ 2,000
Shares issued under employee stock purchase plan, shares							14,156

Other Comprehensive (Loss) Income (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020
Other Comprehensive (Loss) Income [Abstract]
Realized gains on securities available for sale	$ 0	$ 0	$ 128,000

Other Comprehensive (Loss) Income (Components Of Other Comprehensive (Loss) Income) (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2020

Jun. 30, 2020

Mar. 31, 2020

Sep. 30, 2019

Jun. 30, 2019

Mar. 31, 2019

Sep. 30, 2020

Sep. 30, 2019

Other Comprehensive (Loss) Income [Abstract]

Unrealized holding gains on securities available for sale, Before Tax

$ (48)

$ 194

$ 2,168

$ 3,240

Unrealized holding gains on securities available for sale, Tax Effect

10

(41)

(455)

(680)

Unrealized holding gains on securities available for sale, Net of Tax

(38)

153

1,713

2,560

Reclassification adjustments for gains on securities transactions included in net income, Before Tax

^[1],[2]

(128)

Reclassification adjustments for gains on securities transactions included in net income: Tax Effect

^[1],[2]

27

Reclassification adjustments for gains on securities transactions included in net income: Net of Tax

^[1],[2]

(101)

Total other comprehensive income, before tax

(48)

194

2,040

3,240

Total other comprehensive income, Tax Effect

10

(41)

(428)

(680)

Other comprehensive (loss) income, net of tax

$ (38)

$ 225

$ 1,425

$ 153

$ 809

$ 1,598

$ 1,612

$ 2,560

[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Other Comprehensive (Loss) Income (Summary Of Realized Gains On Securities Available For Sale, Net Of Tax) (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2020

Sep. 30, 2019

Sep. 30, 2020

Sep. 30, 2019

Other Comprehensive (Loss) Income [Abstract]

Realized gains on securities transactions

^[1],[2]

$ (128)

Income taxes

^[1],[2]

27

Reclassification adjustments for gains on securities transactions included in net income: Net of Tax

^[1],[2]

$ (101)

[1]	Realized gains on securities transactions included in gain on sales of securities, net, in the accompanying Consolidated Statements of Income.
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Income.

Other Comprehensive (Loss) Income (Summary Of Accumulated Other Comprehensive Income, Net Of Tax) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019
Other Comprehensive (Loss) Income [Abstract]
Beginning Balance	$ 2,990		$ 1,340	$ 1,160		$ (1,247)	$ 1,340	$ (1,247)
Other comprehensive income before reclassifications	(38)			153			1,713	2,560
Amounts reclassified from accumulated other comprehensive income							(101)
Other comprehensive (loss) income, net of tax	(38)	$ 225	$ 1,425	153	$ 809	$ 1,598	1,612	2,560
Ending Balance	$ 2,952	$ 2,990		$ 1,313	$ 1,160		$ 2,952	$ 1,313

Basic And Diluted Earnings Per Share (Narrative) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Basic And Diluted Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of diluted earnings per share	4,227	0	4,227	0

Basic And Diluted Earnings Per Share (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Basic And Diluted Earnings Per Share [Abstract]
Net income	$ 3,424	$ 2,829	$ 9,198	$ 7,995
Weighted average shares outstanding	7,473,032	7,476,936	7,463,002	7,474,400
Dilutive effect of potential common shares, stock options	45,964	62,051	45,963	61,979
Diluted weighted average common shares outstanding	7,518,996	7,538,987	7,508,965	7,536,379
Basic earnings per share	$ 0.46	$ 0.38	$ 1.23	$ 1.07
Diluted earnings per share	$ 0.46	$ 0.38	$ 1.22	$ 1.06

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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+ Details

Fair Value Measurements (Narrative) (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Fair Value Measurements [Abstract]
Impaired loans aggregate balance	$ 3,633,000	$ 3,521,000
Impaired loans without related allowance	2,100,000
Impaired loans with related allowance	1,500,000
Related Allowance	177,000	202,000
Real estate properties acquired through foreclosure	$ 0	$ 0

Fair Value Measurements (Fair Value Of Financial Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 121,646	$ 90,829
US Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	19,998
U.S Government agency obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	13,532
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	38,305	26,444
U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	550
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	49,261	64,385
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	121,646	90,829
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	19,998
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	13,532
Fair Value, Recurring [Member] \| Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	38,305	26,444
Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	550
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	49,261	64,385
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] \| Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [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
(Level 1) Quoted Prices in Active Markets for Identical Assets [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
(Level 1) Quoted Prices in Active Markets for Identical Assets [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
(Level 1) Quoted Prices in Active Markets for Identical Assets [Member] \| Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 1) Quoted Prices in Active Markets for Identical Assets [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
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	121,646	90,829
(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	121,646	90,829
(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	19,998
(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	13,532
(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	38,305	26,444
(Level 2) Significant Other Observable Inputs [Member] \| Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	550
(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	49,261	64,385
(Level 3) Significant Unobservable Inputs [Member] \| Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable 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
(Level 3) Significant Unobservable 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
(Level 3) Significant Unobservable 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
(Level 3) Significant Unobservable Inputs [Member] \| Fair Value, Recurring [Member] \| U.S. GSE - Mortgage-backed securities [Member] \| Commercial RealEstate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
(Level 3) Significant Unobservable 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

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, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets fair value	$ 1,365	$ 848
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets fair value	$ 1,365	$ 848

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, 2020

Dec. 31, 2019

Appraisal Adjustment [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets fair value

$ 1,365

$ 848

Appraisal Adjustment [Member] | Minimum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[1]

(25.00%)

Appraisal Adjustment [Member] | Maximum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[1]

0.00%

Appraisal Adjustment [Member] | Weighted Average [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[1]

(15.10%)

(25.00%)

Liquidation Expenses [Member] | Minimum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

(10.00%)

(7.50%)

Liquidation Expenses [Member] | Maximum [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

0.00%

Liquidation Expenses [Member] | Weighted Average [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Range (Weighted Average)

^[2]

(8.50%)

(7.50%)

[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.

Fair Value Measurements (Estimated Fair Value Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	$ 121,646	$ 90,829
Paycheck Protection Program loans receivable	67,020
Paycheck Protection Program Liquidity Facility	62,039
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	86,699	39,986
Securities available for sale	121,646	90,829
Loans receivable, net of allowance	1,048,885	1,006,117
Paycheck Protection Program loans receivable	67,020
Restricted investments in bank stock	1,330	1,478
Accrued interest receivable	3,236	2,048
Deposits	1,149,450	1,031,968
Securities sold under agreements to repurchase and federal funds purchased	11,181	7,208
Short-term borrowings		18,067
Long-term borrowings	14,651
Paycheck Protection Program Liquidity Facility	62,039
Accrued interest payable	1,670	3,281
Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	86,699	39,986
Securities available for sale	121,646	90,829
Loans receivable, net of allowance	1,168,911	1,013,093
Paycheck Protection Program loans receivable	67,558
Restricted investments in bank stock	1,330	1,478
Accrued interest receivable	3,236	2,048
Deposits	1,152,953	1,033,786
Securities sold under agreements to repurchase and federal funds purchased	11,181	7,208
Short-term borrowings		18,067
Long-term borrowings	14,708
Paycheck Protection Program Liquidity Facility	62,144
Accrued interest payable	1,670	3,281
(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	86,699	39,986
(Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	121,646	90,829
Restricted investments in bank stock	1,330	1,478
Accrued interest receivable	3,236	2,048
Deposits	1,152,953	1,033,786
Securities sold under agreements to repurchase and federal funds purchased	11,181	7,208
Short-term borrowings		18,067
Accrued interest payable	1,670	3,281
(Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, net of allowance	1,168,911	1,013,093
Paycheck Protection Program loans receivable	67,558
Long-term borrowings	14,708
Paycheck Protection Program Liquidity Facility	62,144
Commitments to grant loans [Member] \| Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] \| Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] \| (Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] \| (Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Commitments to grant loans [Member] \| (Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] \| Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] \| Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] \| (Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] \| (Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Unfunded commitments underlines of credit [Member] \| (Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] \| Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] \| Fair Value Estimate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] \| (Level 1) Quoted Prices in Active Markets for Identical Assets [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] \| (Level 2) Significant Other Observable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments
Standby Letters of Credit [Member] \| (Level 3) Significant Unobservable Inputs [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Off-balance sheet financial instruments