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

9 Months Ended

Sep. 30, 2025

Notes Tables

Schedule of Loans Receivable [Table Text Block]

		At September 30,				At December 31,
		2025				2024
		(In thousands)
Commercial		$	113,840			$	127,276
Commercial real estate			489,384				507,900
Construction			-				5,064
Residential real estate			7,517				8,274
Consumer installment & other			130,838				171,786
Total		$	741,579			$	820,300

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

		Allowance for Credit Losses
		For the Three Months Ended September 30, 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		$	5,549			$	6,174			$	-			$	24			$	2,040			$	13,787
Provision (reversal)			123				(295	)			-				(6	)			178				-
Chargeoffs			(1,559	)			-				-				-				(912	)			(2,471	)
Recoveries			36				13				-				-				494				543
Total allowance for credit losses		$	4,149			$	5,892			$	-			$	18			$	1,800			$	11,859

		Allowance for Credit Losses
		For the Nine Months Ended September 30, 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
Provision (reversal)			1,239				9				(247	)			(4	)			(1,547	)			(550	)
Chargeoffs			(1,597	)			(191	)			-				-				(3,361	)			(5,149	)
Recoveries			310				40				-				-				2,428				2,778
Total allowance for credit losses		$	4,149			$	5,892			$	-			$	18			$	1,800			$	11,859

		For the Three Months Ended September 30, 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		$	3,896			$	5,922			$	243			$	24			$	5,867			$	15,952
Provision (reversal)			182				100				3				(2	)			(283	)			-
Chargeoffs			(109	)			-				-				-				(1,549	)			(1,658	)
Recoveries			41				14				-				-				969				1,024
Total allowance for credit losses		$	4,010			$	6,036			$	246			$	22			$	5,004			$	15,318

		Allowance for Credit Losses
		For the Nine Months Ended September 30, 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			(133	)			(80	)			1				(4	)			516				300
Chargeoffs			(137	)			-				-				-				(5,065	)			(5,202	)
Recoveries			64				191				-				-				3,098				3,353
Total allowance for credit losses		$	4,010			$	6,036			$	246			$	22			$	5,004			$	15,318

Financing Receivable Credit Quality Indicators [Table Text Block]

		Credit Risk Profile by Internally Assigned Grade
		At September 30, 2025
		Commercial				Commercial Real Estate				Construction				Residential Real Estate				Consumer Installment and Other				Total
		(In thousands)
Grade:
Pass		$	111,268			$	480,675			$	-			$	7,312			$	128,855			$	728,110
Substandard			1,144				8,709				-				205				1,539				11,597
Doubtful			1,428				-				-				-				64				1,492
Loss			-				-				-				-				380				380
Total		$	113,840			$	489,384			$	-			$	7,517			$	130,838			$	741,579

		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 September 30, 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		$	112,164			$	96			$	151			$	-			$	1,429			$	113,840
Commercial real estate			487,884				582				-				-				918				489,384
Construction			-				-				-				-				-				-
Residential real estate			7,517				-				-				-				-				7,517
Consumer installment and other			128,185				1,785				571				297				-				130,838
Total		$	735,750			$	2,463			$	722			$	297			$	2,347			$	741,579

		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 September 30, 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		$	21,365			$	4,952			$	9,250			$	7,368			$	17,112			$	28,122			$	88,169			$	23,099			$	111,268
Substandard			215				-				-				-				-				515				730				414				1,144
Doubtful			-				-				-				-				-				728				728				700				1,428
Loss			-				-				-				-				-				-				-				-				-
Total		$	21,580			$	4,952			$	9,250			$	7,368			$	17,112			$	29,365			$	89,627			$	24,213			$	113,840
Current gross chargeoffs on commercial loans:
For the three months ended September 30, 2025
		$	-			$	1,559			$	-			$	-			$	-			$	-			$	1,559			$	-			$	1,559
For the nine months ended September 30, 2025
			-				1,559				-				5				-				-				1,564				33				1,597

		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 September 30, 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		$	220,763			$	56,562			$	46,909			$	41,358			$	69,894			$	45,189			$	480,675			$	-			$	480,675
Substandard			7,620				-				919				-				-				170				8,709				-				8,709
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	228,383			$	56,562			$	47,828			$	41,358			$	69,894			$	45,359			$	489,384			$	-			$	489,384
Current gross chargeoffs on commercial real estate loans:
For the three months ended September 30, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the nine months ended September 30, 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 September 30, 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		$	7,312			$	-			$	-			$	-			$	-			$	-			$	7,312			$	-			$	7,312
Substandard			205				-				-				-				-				-				205				-				205
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	7,517			$	-			$	-			$	-			$	-			$	-			$	7,517			$	-			$	7,517
Current gross chargeoffs on residential real estate loans:
For the three months ended September 30, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the nine months ended September 30, 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 September 30, 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			-				-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Current gross chargeoffs on construction loans:
For the three months ended September 30, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the nine months ended September 30, 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 September 30, 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		$	8,266			$	21,397			$	34,756			$	19,757			$	18,764			$	11,198			$	114,138			$	14,047			$	128,185
30-59 days past due			202				534				553				247				105				100				1,741				44				1,785
60-89 days past due			29				90				181				100				156				-				556				15				571
Past due 90 days or more			33				75				102				-				36				-				246				51				297
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	8,530			$	22,096			$	35,592			$	20,104			$	19,061			$	11,298			$	116,681			$	14,157			$	130,838
Current gross chargeoffs on consumer installment and other loans:
For the three months ended September 30, 2025
		$	86			$	68			$	334			$	199			$	161			$	5			$	853			$	59			$	912
For the nine months ended September 30, 2025
			216				595				1,228				565				612				5				3,221				140				3,361

		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

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

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+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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-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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