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Note 5 - Credit Quality (Tables)

3 Months Ended

Mar. 31, 2024

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2024
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	86,265			$	2,164			$	412			$	-			$	-			$	88,841
Commercial and industrial			198,318				2,128				3,084				-				-				203,530
Multi-family residential			190,417				3,485				286				-				-				194,188
Single family non-owner occupied			210,540				1,983				7,146				-				-				219,669
Non-farm, non-residential			858,461				15,272				13,522				-				-				887,255
Agricultural			13,982				3,786				1,995				-				-				19,763
Farmland			12,015				475				1,082				-				-				13,572
Consumer real estate loans
Home equity lines			83,592				544				3,045				-				-				87,181
Single family owner occupied			661,705				2,277				23,828				-				-				687,810
Owner occupied construction			5,848				-				-				-				-				5,848
Consumer and other loans
Consumer loans			108,713				2				2,072				-				-				110,787
Other			1,389				-				-				-				-				1,389
Total loans		$	2,431,245			$	32,116			$	56,472			$	-			$	-			$	2,519,833

		December 31, 2023
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	103,573			$	1,955			$	417			$	-			$	-			$	105,945
Commercial and industrial			207,034				2,097				2,719				-				-				211,850
Multi-family residential			184,565				3,522				295				-				-				188,382
Single family non-owner occupied			215,375				2,016				7,504				-				-				224,895
Non-farm, non-residential			866,711				15,240				12,599				-				-				894,550
Agricultural			15,944				3,878				1,847				-				-				21,669
Farmland			12,480				484				1,238				-				-				14,202
Consumer real estate loans
Home equity lines			83,769				546				3,311				-				-				87,626
Single family owner occupied			669,878				2,360				23,902				-				-				696,140
Owner occupied construction			8,445				-				-				-				-				8,445
Consumer and other loans
Consumer loans			114,725				4				2,362				-				-				117,091
Other			1,503				-				-				-				-				1,503
Total loans		$	2,484,002			$	32,102			$	56,194			$	-			$	-			$	2,572,298

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at March 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Construction, development and other land
Pass		$	918			$	12,689			$	35,682			$	24,233			$	4,020			$	6,069			$	2,654			$	86,265
Special mention			-				1,973				-				-				117				74				-				2,164
Substandard			-				-				-				-				12				400				-				412
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total construction, development, and other land		$	918			$	14,662			$	35,682			$	24,233			$	4,149			$	6,543			$	2,654			$	88,841
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Commercial and industrial
Pass		$	7,585			$	47,322			$	60,226			$	16,907			$	10,311			$	15,891			$	40,076			$	198,318
Special mention			-				-				218				118				-				1,691				101				2,128
Substandard			-				197				861				450				28				1,548				-				3,084
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total commercial and industrial		$	7,585			$	47,519			$	61,305			$	17,475			$	10,339			$	19,130			$	40,177			$	203,530
Current period gross write-offs		$	-			$	37			$	173			$	-			$	9			$	1			$	-			$	220
Multi-family residential
Pass		$	306			$	6,791			$	74,704			$	36,344			$	29,717			$	39,054			$	3,501			$	190,417
Special mention			-				-				-				-				-				3,485				-				3,485
Substandard			-				-				114				-				-				172				-				286
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total multi-family residential		$	306			$	6,791			$	74,818			$	36,344			$	29,717			$	42,711			$	3,501			$	194,188
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-farm, non-residential
Pass		$	8,635			$	82,850			$	239,174			$	149,473			$	112,692			$	257,164			$	8,473			$	858,461
Special mention			-				62				579				2,566				811				11,254				-				15,272
Substandard			-				1,142				297				1,944				680				9,317				142				13,522
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total non-farm, non-residential		$	8,635			$	84,054			$	240,050			$	153,983			$	114,183			$	277,735			$	8,615			$	887,255
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Agricultural
Pass		$	108			$	4,380			$	3,850			$	2,108			$	463			$	2,360			$	713			$	13,982
Special mention			-				-				271				178				7				3,330				-				3,786
Substandard			-				397				23				101				117				1,357				-				1,995
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total agricultural		$	108			$	4,777			$	4,144			$	2,387			$	587			$	7,047			$	713			$	19,763
Current period gross write-offs		$	-			$	82			$	60			$	-			$	-			$	-			$	-			$	142
Farmland
Pass		$	389			$	1,370			$	1,213			$	1,517			$	889			$	5,683			$	954			$	12,015
Special mention			-				-				-				102				-				373				-				475
Substandard			-				-				-				-				-				1,082				-				1,082
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total farmland		$	389			$	1,370			$	1,213			$	1,619			$	889			$	7,138			$	954			$	13,572
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at March 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Home equity lines
Pass		$	4			$	1			$	947			$	84			$	72			$	3,659			$	78,825			$	83,592
Special mention			-				-				-				-				-				44				500				544
Substandard			-				-				69				-				25				1,842				1,109				3,045
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total home equity lines		$	4			$	1			$	1,016			$	84			$	97			$	5,545			$	80,434			$	87,181
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	15			$	15
Single family Mortgage
Pass		$	4,576			$	51,915			$	164,857			$	217,495			$	186,126			$	246,880			$	396			$	872,245
Special mention			-				-				-				460				97				3,703				-				4,260
Substandard			-				235				845				1,510				1,222				27,162				-				30,974
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total single family owner and non-owner occupied		$	4,576			$	52,150			$	165,702			$	219,465			$	187,445			$	277,745			$	396			$	907,479
Current period gross write-offs		$	-			$	-			$	-			$	31			$	-			$	20			$	-			$	51
Owner occupied construction
Pass		$	287			$	3,416			$	1,575			$	235			$	-			$	335			$	-			$	5,848
Special mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total owner occupied construction		$	287			$	3,416			$	1,575			$	235			$	-			$	335			$	-			$	5,848
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer loans
Pass		$	7,066			$	30,143			$	37,742			$	17,711			$	6,302			$	3,167			$	7,971			$	110,102
Special mention			-				-				-				1				-				-				1				2
Substandard			-				278				914				367				117				345				51				2,072
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total consumer loans		$	7,066			$	30,421			$	38,656			$	18,079			$	6,419			$	3,512			$	8,023			$	112,176
Current period gross write-offs		$	282			$	414			$	746			$	348			$	60			$	48			$	122			$	2,020

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at March 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Total loans
Pass		$	29,874			$	240,877			$	619,970			$	466,107			$	350,592			$	580,262			$	143,563			$	2,431,245
Special mention			-				2,035				1,068				3,425				1,032				23,954				602				32,116
Substandard			-				2,249				3,123				4,372				2,201				43,225				1,302				56,472
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total loans		$	29,874			$	245,161			$	624,161			$	473,904			$	353,825			$	647,441			$	145,467			$	2,519,833
Current period gross write-offs		$	282			$	533			$	979			$	379			$	69			$	69			$	137			$	2,448

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving				Total
Construction, development
and other land
Pass		$	12,379			$	54,752			$	23,328			$	4,121			$	2,700			$	3,874			$	2,419			$	103,573
Special Mention			1,737				-				-				139				-				79				-				1,955
Substandard			-				-				-				-				175				242				-				417
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total construction, development, and other land		$	14,116			$	54,752			$	23,328			$	4,260			$	2,875			$	4,195			$	2,419			$	105,945
Current period gross write-offs		$	-			$	-			$	-			$	-			$	13			$	-			$	-			$	13
Commercial and industrial
Pass		$	53,619			$	64,380			$	19,477			$	11,538			$	5,717			$	11,775			$	40,528			$	207,034
Special Mention			-				229				11				-				349				1,408				100				2,097
Substandard			51				744				276				86				926				636				-				2,719
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total commercial and industrial		$	53,670			$	65,353			$	19,764			$	11,624			$	6,992			$	13,819			$	40,628			$	211,850
Current period gross write-offs		$	66			$	168			$	201			$	51			$	32			$	66			$	-			$	584
Multi-family residential
Pass		$	6,753			$	67,484			$	36,621			$	30,021			$	3,280			$	36,982			$	3,424			$	184,565
Special Mention			-				-				-				-				-				3,522				-				3,522
Substandard			-				-				-				-				-				295				-				295
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total multi-family residential		$	6,753			$	67,484			$	36,621			$	30,021			$	3,280			$	40,799			$	3,424			$	188,382
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-farm, non-residential
Pass		$	83,420			$	234,607			$	151,433			$	114,974			$	53,466			$	217,034			$	11,777			$	866,711
Special Mention			65				583				2,590				819				-				11,132				51				15,240
Substandard			1,175				238				1,968				690				3,175				5,143				210				12,599
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total non-farm, non-residential		$	84,660			$	235,428			$	155,991			$	116,483			$	56,641			$	233,309			$	12,038			$	894,550
Current period gross write-offs		$	-			$	8			$	-			$	-			$	-			$	2			$	-			$	10
Agricultural
Pass		$	5,004			$	4,215			$	2,352			$	625			$	674			$	2,094			$	980			$	15,944
Special Mention			28				276				184				8				90				3,292				-				3,878
Substandard			157				166				50				28				1,188				258				-				1,847
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total agricultural		$	5,189			$	4,657			$	2,586			$	661			$	1,952			$	5,644			$	980			$	21,669
Current period gross write-offs		$	-			$	59			$	-			$	9			$	14			$	8			$	-			$	90
Farmland
Pass		$	1,380			$	1,237			$	1,557			$	912			$	745			$	5,766			$	883			$	12,480
Special Mention			-				-				103				-				-				381				-				484
Substandard			-				-				-				-				-				1,238				-				1,238
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total farmland		$	1,380			$	1,237			$	1,660			$	912			$	745			$	7,385			$	883			$	14,202
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving				Total
Home equity lines
Pass		$	9			$	962			$	86			$	73			$	68			$	3,800			$	78,771			$	83,769
Special Mention			-				-				-				-				-				45				501				546
Substandard			-				12				-				27				102				1,853				1,317				3,311
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total home equity lines		$	9			$	974			$	86			$	100			$	170			$	5,698			$	80,589			$	87,626
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	227			$	227
Single family Mortgage
Pass		$	50,826			$	164,974			$	221,352			$	191,156			$	44,974			$	211,540			$	431			$	885,253
Special Mention			-				-				465				98				108				3,705				-				4,376
Substandard			236				555				1,464				1,381				1,515				26,255				-				31,406
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total single family owner and non-owner occupied		$	51,062			$	165,529			$	223,281			$	192,635			$	46,597			$	241,500			$	431			$	921,035
Current period gross write-offs		$	-			$	-			$	47			$	-			$	-			$	194			$	-			$	241
Owner occupied construction
Pass		$	3,620			$	4,232			$	240			$	-			$	21			$	332			$	-			$	8,445
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total owner occupied construction		$	3,620			$	4,232			$	240			$	-			$	21			$	332			$	-			$	8,445
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer loans
Pass		$	31,243			$	43,675			$	20,672			$	7,710			$	3,214			$	1,026			$	8,688			$	116,228
Special Mention			-				-				3				-				-				-				1				4
Substandard			338				820				590				198				157				212				47				2,362
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total consumer loans		$	31,581			$	44,495			$	21,265			$	7,908			$	3,371			$	1,238			$	8,736			$	118,594
Current period gross write-offs		$	1,238			$	3,594			$	1,852			$	518			$	196			$	77			$	185			$	7,660

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving				Total
Total loans
Pass		$	248,253			$	640,518			$	477,118			$	361,130			$	114,859			$	494,223			$	147,901			$	2,484,002
Special mention			1,830				1,088				3,356				1,064				547				23,564				653				32,102
Substandard			1,957				2,535				4,348				2,410				7,238				36,132				1,574				56,194
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total loans		$	252,040			$	644,141			$	484,822			$	364,604			$	122,644			$	553,919			$	150,128			$	2,572,298
Current period gross write-offs		$	1,304			$	3,829			$	2,100			$	578			$	255			$	347			$	412			$	8,825

Financing Receivable, Nonaccrual [Table Text Block]

		March 31, 2024												December 31, 2023
(Amounts in thousands)		No Allowance				With an Allowance				Total				No Allowance				With an Allowance				Total
Commercial loans
Construction, development, and other land		$	166			$	-			$	166			$	172			$	—			$	172
Commercial and industrial			1,333				-				1,333				1,438				—				1,438
Multi-family residential			174				-				174				183				—				183
Single family non-owner occupied			978				-				978				832				—				832
Non-farm, non-residential			1,931				1,140				3,071				1,271				1,173				2,444
Agricultural			1,499				-				1,499				1,558				—				1,558
Farmland			125				-				125				123				—				123
Consumer real estate loans
Home equity lines			1,229				-				1,229				1,335				—				1,335
Single family owner occupied			9,392				-				9,392				9,365				—				9,365
Owner occupied construction			-				-				-				—				—				—
Consumer and other loans
Consumer loans			1,650				-				1,650				1,906				—				1,906
Total nonaccrual loans		$	18,477			$	1,140			$	19,617			$	18,183			$	1,173			$	19,356

Financing Receivable, Past Due [Table Text Block]

		March 31, 2024
																										Amortized Cost of
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total				> 90 Days Accruing
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans				No Allowance
Commercial loans
Construction, development, and other land		$	23			$	6			$	23			$	52			$	88,789			$	88,841			$	-
Commercial and industrial			1,000				435				439				1,874				201,656				203,530				-
Multi-family residential			112				-				114				226				193,962				194,188				-
Single family non-owner occupied			688				-				219				907				218,762				219,669				-
Non-farm, non-residential			1,896				-				955				2,851				884,404				887,255				-
Agricultural			417				272				246				935				18,828				19,763				-
Farmland			123				2				-				125				13,447				13,572				-
Consumer real estate loans
Home equity lines			551				159				430				1,140				86,041				87,181				-
Single family owner occupied			5,204				1,841				3,780				10,825				676,985				687,810				-
Owner occupied construction			-				-				-				-				5,848				5,848				-
Consumer and other loans
Consumer loans			2,916				927				568				4,411				106,376				110,787				-
Other			-				-				-				-				1,389				1,389				-
Total loans		$	12,930			$	3,642			$	6,774			$	23,346			$	2,496,487			$	2,519,833			$	-

		December 31, 2023
																										Amortized Cost of
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total				> 90 Days Accruing
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans				No Allowance
Commercial loans
Construction, development, and other land		$	38			$	6			$	23			$	67			$	105,878			$	105,945			$	—
Commercial and industrial			1,232				766				390				2,388				209,462				211,850				—
Multi-family residential			115				68				—				183				188,199				188,382				—
Single family non-owner occupied			777				455				232				1,464				223,431				224,895				—
Non-farm, non-residential			617				229				382				1,228				893,322				894,550				—
Agricultural			22				56				217				295				21,374				21,669				—
Farmland			15				—				—				15				14,187				14,202				—
Consumer real estate loans
Home equity lines			639				343				534				1,516				86,110				87,626				—
Single family owner occupied			6,108				2,831				3,519				12,458				683,682				696,140				—
Owner occupied construction			—				—				—				—				8,445				8,445				—
Consumer and other loans
Consumer loans			4,390				1,440				1,087				6,917				110,174				117,091				—
Other			—				—				—				—				1,503				1,503				—
Total loans		$	13,953			$	6,194			$	6,384			$	26,531			$	2,545,767			$	2,572,298			$	—

Collateral Dependent Loans [Table Text Block]

		March 31, 2024												December 31, 2023
(Amounts in thousands)		Balance				Collateral Coverage				%				Balance				Collateral Coverage				%
Commercial Real Estate
Other		$	1,140			$	825				72.37	%		$	1,173			$	825				70.33	%
Total collateral dependent loans		$	1,140			$	825				72.37	%		$	1,173			$	825				70.33	%

Financing Receivable, Modified [Table Text Block]

		Payment Delays
		Amortized Cost Basis				% of Total Class of
		March 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Non farm, non residential property		$	662				0.08	%			Deferred 6 months of interest to loan maturity
Single family owner occupied			540				0.08	%			Deferred $66 thousand in principal to loan maturity
Single family non owner occupied			87				0.04	%			Deferred 6 months of interest to loan maturity
Commercial & industrial			161				0.08	%			Deferred $8 thousand in principal to loan maturity
Total		$	1,450
		Term Extensions
		Amortized Cost Basis				% of Total Class of
		March 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Consumer		$	5				0.01	%			Extended term from 60 to 84 months
Total		$	5
		Principal Forgiveness
		Amortized Cost Basis				% of Total Class of
		March 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Single family owner occupied		$	3				0.00	%			Reduced amortized cost basis by $13 thousand
Total		$	3
		Term Extension and Rate Reduction
		Amortized Cost Basis				% of Total Class of
		March 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Single family owner occupied		$	719				0.11	%			Reduced interest income and extended time to recover principal.
Total		$	719

		Payment Delays
		Amortized Cost Basis				% of Total Class of
		December 31, 2023				Financing Receivable					Financial Effect
(Amounts in thousands)
Non farm, non residential property		$	662				0.07	%			Deferred 6 months of interest to loan maturity
Single family owner occupied			548				0.08	%			Deferred $66 thousand in principal to loan maturity
Single family non owner occupied			89				0.04	%			Deferred 6 months of interest to loan maturity
Commercial & industrial			171				0.08	%			Deferred $8 thousand in principal to loan maturity
Total		$	1,470
		Term Extensions
		Amortized Cost Basis				% of Total Class of
		December 31, 2023				Financing Receivable					Financial Effect
(Amounts in thousands)
Consumer		$	6				0.01	%			Extended term from 60 to 84 months
Total		$	6
		Principal Forgiveness
		Amortized Cost Basis				% of Total Class of
		December 31, 2023				Financing Receivable					Financial Effect
(Amounts in thousands)
Single family owner occupied		$	5				0.00	%			Reduced amortized cost basis by $13 thousand
Total		$	5
		Term Extension and Rate Reduction
		Amortized Cost Basis				% of Total Class of
		December 31, 2023				Financing Receivable					Financial Effect
(Amounts in thousands)
Single family owner occupied		$	565				0.08	%			Reduced interest income and extended time to recover principal
Total		$	565

		March 31, 2024
		Payment Status (Amortized Cost Basis)
		Current				30-89 Days Past Due				90+ Days Past Due
(Amounts in thousands)
Non farm, non residential property		$	662			$	-			$	-
Single family owner occupied			1,012				250				-
Single family non owner occupied			87				-				-
Commercial & Industrial			161				-				-
Consumer			5				-				-
Total		$	1,927			$	250			$	-
		December 31, 2023
		Payment Status (Amortized Cost Basis)
		Current				30-89 Days Past Due				90+ Days Past Due
(Amounts in thousands)
Non farm, non residential		$	662			$	-			$	-
Single family owner occupied			864				254				-
Single family non owner occupied			89				-				-
Commercial & industrial			171				-				-
Consumer			6				-				-
Total		$	1,792			$	254			$	-

Other Real Estate Owned [Table Text Block]

		March 31, 2024				December 31, 2023
(Amounts in thousands)
OREO		$	374			$	192
OREO secured by residential real estate		$	374			$	192
Residential real estate loans in the foreclosure process(1)		$	2,657			$	1,895

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