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Note 4 - Loans, Allowance for Credit Losses and Other Real Estate Owned (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Schedule of Loans Receivable [Table Text Block]

		At March 31,				At December 31,
		2025				2024
		(In thousands)
Commercial		$	111,888			$	127,276
Commercial real estate			489,612				507,900
Construction			5,064				5,064
Residential real estate			8,061				8,274
Consumer installment & other			156,405				171,786
Total		$	771,030			$	820,300

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

		Allowance for Credit Losses
		For the Three Months Ended March 31, 2025
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,197			$	6,034			$	247			$	22			$	4,280			$	14,780
(Reversal) provision			(41	)			309				-				4				(822	)			(550	)
Chargeoffs			(10	)			(191	)			-				-				(1,525	)			(1,726	)
Recoveries			265				13				-				-				1,132				1,410
Total allowance for credit losses		$	4,411			$	6,165			$	247			$	26			$	3,065			$	13,914

		Allowance for Credit Losses
		For the Three Months Ended March 31, 2024
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,216			$	5,925			$	245			$	26			$	6,455			$	16,867
(Reversal) provision			(463	)			(212	)			(3	)			(4	)			982				300
Chargeoffs			-				-				-				-				(2,003	)			(2,003	)
Recoveries			12				45				-				-				658				715
Total allowance for credit losses		$	3,765			$	5,758			$	242			$	22			$	6,092			$	15,879

Financing Receivable Credit Quality Indicators [Table Text Block]

		Credit Risk Profile by Internally Assigned Grade
		At March 31, 2025
		Commercial				Commercial Real Estate				Construction				Residential Real Estate				Consumer Installment and Other				Total
		(In thousands)
Grade:
Pass		$	107,630			$	479,473			$	-			$	7,779			$	154,279			$	749,161
Substandard			4,258				10,139				5,064				282				1,717				21,460
Doubtful			-				-				-				-				99				99
Loss			-				-				-				-				310				310
Total		$	111,888			$	489,612			$	5,064			$	8,061			$	156,405			$	771,030

		Credit Risk Profile by Internally Assigned Grade
		At December 31, 2024
		Commercial				Commercial Real Estate				Construction				Residential Real Estate				Consumer Installment and Other				Total
		(In thousands)
Grade:
Pass		$	122,958			$	489,522			$	-			$	7,984			$	169,251			$	789,715
Substandard			4,318				18,378				5,064				290				1,817				29,867
Doubtful			-				-				-				-				192				192
Loss			-				-				-				-				526				526
Total		$	127,276			$	507,900			$	5,064			$	8,274			$	171,786			$	820,300

Financing Receivable, Past Due [Table Text Block]

		Summary of Loans by Delinquency and Nonaccrual Status
		At March 31, 2025
		Current and Accruing				30-59 Days Past Due and Accruing				60-89 Days Past Due and Accruing				Past Due 90 Days or More and Accruing				Nonaccrual				Total Loans
		(In thousands)
Commercial		$	111,583			$	305			$	-			$	-			$	-			$	111,888
Commercial real estate			488,508				1,104				-				-				-				489,612
Construction			5,064				-				-				-				-				5,064
Residential real estate			7,865				196				-				-				-				8,061
Consumer installment and other			152,966				2,543				619				277				-				156,405
Total		$	765,986			$	4,148			$	619			$	277			$	-			$	771,030

		Summary of Loans by Delinquency and Nonaccrual Status
		At December 31, 2024
		Current and Accruing				30-59 Days Past Due and Accruing				60-89 Days Past Due and Accruing				Past Due 90 Days or More and Accruing				Nonaccrual				Total Loans
		(In thousands)
Commercial		$	126,538			$	700			$	28			$	-			$	10			$	127,276
Commercial real estate			506,588				1,121				-				-				191				507,900
Construction			5,064				-				-				-				-				5,064
Residential real estate			8,274				-				-				-				-				8,274
Consumer installment and other			166,875				3,493				884				534				-				171,786
Total		$	813,339			$	5,314			$	912			$	534			$	201			$	820,300

Financing Receivable, Loans by Risk Category [Table Text Block]

		At March 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Commercial loans by grade:
Pass		$	25,468			$	6,542			$	11,323			$	8,509			$	18,720			$	15,271			$	85,833			$	21,797			$	107,630
Substandard			255				2,835				-				-				-				-				3,090				1,168				4,258
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	25,723			$	9,377			$	11,323			$	8,509			$	18,720			$	15,271			$	88,923			$	22,965			$	111,888
Current gross chargeoffs on commercial loans:
For the three months ended March 31, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	10			$	10

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Commercial loans by grade:
Pass		$	18,752			$	8,542			$	18,539			$	12,388			$	14,776			$	19,399			$	92,396			$	30,562			$	122,958
Substandard			266				-				2,835				-				-				-				3,101				1,217				4,318
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	19,018			$	8,542			$	21,374			$	12,388			$	14,776			$	19,399			$	95,497			$	31,779			$	127,276
Current gross chargeoffs on commercial loans:
For the year ended December 31, 2024
		$	59			$	-			$	-			$	-			$	-			$	-			$	59			$	224			$	283

		At March 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Commercial real estate loans by grade:
Pass		$	254,005			$	61,266			$	48,702			$	42,836			$	70,650			$	2,014			$	479,473			$	-			$	479,473
Substandard			10,139				-				-				-				-				-				10,139				-				10,139
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	264,144			$	61,266			$	48,702			$	42,836			$	70,650			$	2,014			$	489,612			$	-			$	489,612
Current gross chargeoffs on commercial real estate loans:
For the three months ended March 31, 2025
		$	191			$	-			$	-			$	-			$	-			$	-			$	191			$	-			$	191

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Commercial real estate loans by grade:
Pass		$	197,160			$	65,384			$	63,697			$	49,117			$	43,091			$	71,073			$	489,522			$	-			$	489,522
Substandard			17,409				969				-				-				-				-				18,378				-				18,378
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	214,569			$	66,353			$	63,697			$	49,117			$	43,091			$	71,073			$	507,900			$	-			$	507,900
Current gross chargeoffs on commercial real estate loans:
For the year ended December 31, 2024
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At March 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Residential real estate loans by grade:
Pass		$	7,779			$	-			$	-			$	-			$	-			$	-			$	7,779			$	-			$	7,779
Substandard			282				-				-				-				-				-				282				-				282
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	8,061			$	-			$	-			$	-			$	-			$	-			$	8,061			$	-			$	8,061
Current gross chargeoffs on residential real estate loans:
For the three months ended March 31, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Residential real estate loans by grade:
Pass		$	7,984			$	-			$	-			$	-			$	-			$	-			$	7,984			$	-			$	7,984
Substandard			290				-				-				-				-				-				290				-				290
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	8,274			$	-			$	-			$	-			$	-			$	-			$	8,274			$	-			$	8,274
Current gross chargeoffs on residential real estate loans:
For the year ended December 31, 2024
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At March 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Construction loans by grade:
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				-				-				-				-				-				5,064				5,064
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	5,064			$	5,064
Current gross chargeoffs on construction loans:
For the three months ended March 31, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Construction loans by grade:
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				-				-				-				-				-				5,064				5,064
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	5,064			$	5,064
Current gross chargeoffs on construction loans:
For the year ended December 31, 2024
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At March 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current		$	14,575			$	28,719			$	43,829			$	24,305			$	22,626			$	4,460			$	138,514			$	14,452			$	152,966
30-59 days past due			339				707				1,016				297				157				-				2,516				27				2,543
60-89 days past due			29				72				204				100				165				-				570				49				619
Past due 90 days or more			49				68				78				56				22				-				273				4				277
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	14,992			$	29,566			$	45,127			$	24,758			$	22,970			$	4,460			$	141,873			$	14,532			$	156,405
Current gross chargeoffs on consumer installment and other loans:
For the three months ended March 31, 2025
		$	55			$	400			$	545			$	267			$	203			$	-			$	1,470			$	55			$	1,525

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current		$	6,068			$	12,464			$	32,608			$	48,694			$	26,805			$	24,522			$	151,161			$	15,714			$	166,875
30-59 days past due			173				201				949				1,392				385				263				3,363				130				3,493
60-89 days past due			33				36				184				256				91				120				720				164				884
Past due 90 days or more			-				38				129				200				149				-				516				18				534
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	6,274			$	12,739			$	33,870			$	50,542			$	27,430			$	24,905			$	155,760			$	16,026			$	171,786
Current gross chargeoffs on consumer installment and other loans:
For the year ended December 31, 2024
		$	246			$	388			$	2,376			$	1,843			$	913			$	162			$	5,928			$	463			$	6,391

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

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+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

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- Definition

Tabular disclosure of allowance for credit loss of financing receivable, classified as current.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

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