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Note 4 - Loans, Allowance for Credit Losses and Other Real Estate Owned - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Balance at beginning of period | $ 13,787 | $ 15,952 | $ 14,780 | $ 16,867 | $ 16,867
Provision (reversal) | 0 | 0 | (550) | 300 |
Chargeoffs | (2,471) | (1,658) | (5,149) | (5,202) |
Recoveries | 543 | 1,024 | 2,778 | 3,353 |
Total allowance for credit losses | 11,859 | 15,318 | 11,859 | 15,318 | 14,780
Commercial Portfolio Segment [Member] |  |  |  |  |
Balance at beginning of period | 5,549 | 3,896 | 4,197 | 4,216 | 4,216
Provision (reversal) | 123 | 182 | 1,239 | (133) |
Chargeoffs | (1,559) | (109) | (1,597) | (137) | (283)
Recoveries | 36 | 41 | 310 | 64 |
Total allowance for credit losses | 4,149 | 4,010 | 4,149 | 4,010 | 4,197
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Balance at beginning of period | 6,174 | 5,922 | 6,034 | 5,925 | 5,925
Provision (reversal) | (295) | 100 | 9 | (80) |
Chargeoffs | 0 | 0 | (191) | 0 | 0
Recoveries | 13 | 14 | 40 | 191 |
Total allowance for credit losses | 5,892 | 6,036 | 5,892 | 6,036 | 6,034
Construction Portfolio Segment [Member] |  |  |  |  |
Balance at beginning of period | 0 | 243 | 247 | 245 | 245
Provision (reversal) | 0 | 3 | (247) | 1 |
Chargeoffs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Total allowance for credit losses | 0 | 246 | 0 | 246 | 247
Residential Portfolio Segment [Member] |  |  |  |  |
Balance at beginning of period | 24 | 24 | 22 | 26 | 26
Provision (reversal) | (6) | (2) | (4) | (4) |
Chargeoffs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Total allowance for credit losses | 18 | 22 | 18 | 22 | 22
Consumer Portfolio Segment [Member] |  |  |  |  |
Balance at beginning of period | 2,040 | 5,867 | 4,280 | 6,455 | 6,455
Provision (reversal) | 178 | (283) | (1,547) | 516 |
Chargeoffs | (912) | (1,549) | (3,361) | (5,065) | (6,391)
Recoveries | 494 | 969 | 2,428 | 3,098 |
Total allowance for credit losses | $ 1,800 | $ 5,004 | $ 1,800 | $ 5,004 | $ 4,280

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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