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Note 5 - Credit Quality (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		December 31, 2024
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	69,290			$	133			$	2,896			$	—			$	—			$	72,319
Commercial and industrial			227,108				2,045				3,701				—				—				232,854
Multi-family residential			194,865				3,319				1,337				—				—				199,521
Single family non-owner occupied			187,762				1,701				6,125				—				—				195,588
Non-farm, non-residential			831,821				12,572				7,830				—				—				852,223
Agricultural			11,144				3,589				1,943				—				—				16,676
Farmland			10,729				430				1,152				—				—				12,311
Consumer real estate loans
Home equity lines			86,908				476				2,843				—				—				90,227
Single family owner occupied			627,853				2,047				20,406				—				—				650,306
Owner occupied construction			4,491				—				—				—				—				4,491
Consumer and other loans
Consumer loans			86,177				—				1,581				—				—				87,758
Other			1,815				—				—				—				—				1,815
Total loans		$	2,339,963			$	26,312			$	49,814			$	—			$	—			$	2,416,089

		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 December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Construction, development
and other land
Pass		$	9,806			$	7,378			$	33,423			$	12,495			$	1,948			$	3,589			$	651			$	69,290
Special Mention			-				-				-				-				65				68				-				133
Substandard			164				2,418				-				-				11				303								2,896
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total construction, development, and other land		$	9,970			$	9,796			$	33,423			$	12,495			$	2,024			$	3,960			$	651			$	72,319
Current period gross write-offs		$	-			$	-			$	-			$	-			$	1			$	8			$	-			$	9
Commercial and industrial
Pass		$	71,241			$	34,794			$	50,214			$	11,973			$	7,332			$	12,265			$	39,289			$	227,108
Special Mention			5				-				35				82				-				1,584				339				2,045
Substandard			193				404				831				457				465				1,351				-				3,701
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total commercial and industrial		$	71,439			$	35,198			$	51,080			$	12,512			$	7,797			$	15,200			$	39,628			$	232,854
Current period gross write-offs		$	24			$	95			$	351			$	48			$	34			$	2			$	-			$	554
Multi-family residential
Pass		$	775			$	10,084			$	73,633			$	42,533			$	28,855			$	36,150			$	2,835			$	194,865
Special Mention			-				-				-				-				-				3,319								3,319
Substandard			-				-				1,285				-				-				52								1,337
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total multi-family residential		$	775			$	10,084			$	74,918			$	42,533			$	28,855			$	39,521			$	2,835			$	199,521
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-farm, non-residential
Pass		$	40,054			$	76,285			$	226,217			$	140,911			$	104,728			$	235,001			$	8,625			$	831,821
Special Mention			154				-				565				1,758				-				10,095				-				12,572
Substandard			-				593				285				1,882				872				3,885				313				7,830
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-								-
Total non-farm, non-residential		$	40,208			$	76,878			$	227,067			$	144,551			$	105,600			$	248,981			$	8,938			$	852,223
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	29			$	-			$	29
Agricultural
Pass		$	646			$	3,168			$	2,723			$	1,561			$	245			$	1,754			$	1,047			$	11,144
Special Mention			-				-				256				161				3				3,169								3,589
Substandard			-				429				166				25				79				1,244								1,943
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total agricultural		$	646			$	3,597			$	3,145			$	1,747			$	327			$	6,167			$	1,047			$	16,676
Current period gross write-offs		$	-			$	115			$	96			$	19			$	-			$	-			$	-			$	230
Farmland
Pass		$	861			$	1,175			$	1,052			$	1,389			$	665			$	4,429			$	1,158			$	10,729
Special Mention			-				-				-				99				-				331								430
Substandard			-				-				-				-				142				1,010								1,152
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total farmland		$	861			$	1,175			$	1,052			$	1,488			$	807			$	5,770			$	1,158			$	12,311
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Home equity lines
Pass		$	10			$	106			$	1,205			$	100			$	86			$	4,175			$	81,226			$	86,908
Special Mention			-				-				-				-				-				140				336				476
Substandard			23				22				78				-				22				1,793				905				2,843
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total home equity lines		$	33			$	128			$	1,283			$	100			$	108			$	6,108			$	82,467			$	90,227
Current period gross write-offs		$	3			$	-			$	-			$	-			$	47			$	-			$	17			$	67
Single family Mortgage
Pass		$	16,876			$	47,598			$	154,680			$	204,443			$	173,310			$	218,047			$	661			$	815,615
Special Mention			-				-				-				440				-				3,308				-				3,748
Substandard			6				779				1,550				1,270				1,161				21,765				-				26,531
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total single family owner and non-owner occupied		$	16,882			$	48,377			$	156,230			$	206,153			$	174,471			$	243,120			$	661			$	845,894
Current period gross write-offs		$	-			$	-			$	-			$	185			$	-			$	84			$	-			$	269
Owner occupied construction
Pass		$	2,387			$	1,272			$	318			$	217			$	-			$	297			$	-			$	4,491
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total owner occupied construction		$	2,387			$	1,272			$	318			$	217			$	-			$	297			$	-			$	4,491
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer loans
Pass		$	19,684			$	20,709			$	24,573			$	10,590			$	3,214			$	1,493			$	7,729			$	87,992
Special Mention			-				-				-				-				-				-				-				-
Substandard			94				327				532				284				30				279				35				1,581
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total consumer loans		$	19,778			$	21,036			$	25,105			$	10,874			$	3,244			$	1,772			$	7,764			$	89,573
Current period gross write-offs		$	1,518			$	1,269			$	2,277			$	908			$	243			$	105			$	373			$	6,693

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Total Loans
Pass		$	162,340			$	202,569			$	568,038			$	426,212			$	320,383			$	517,200			$	143,221			$	2,339,963
Special Mention			159				-				856				2,540				68				22,014				675				26,312
Substandard			480				4,972				4,727				3,918				2,782				31,682				1,253				49,814
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total loans		$	162,979			$	207,541			$	573,621			$	432,670			$	323,233			$	570,896			$	145,149			$	2,416,089
Current period gross write-offs		$	1,545			$	1,479			$	2,724			$	1,160			$	325			$	228			$	390			$	7,851

(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]

		December 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		$	140			$	—			$	140			$	172			$	—			$	172
Commercial and industrial			2,492				—				2,492				1,438				—				1,438
Multi-family residential			152				—				152				183				—				183
Single family non-owner occupied			983				—				983				832				—				832
Non-farm, non-residential			2,284				531				2,815				1,271				1,173				2,444
Agricultural			1,541				—				1,541				1,558				—				1,558
Farmland			386				—				386				123				—				123
Consumer real estate loans
Home equity lines			1,072				—				1,072				1,335				—				1,335
Single family owner occupied			9,189				—				9,189				9,365				—				9,365
Owner occupied construction			—				—				—				—				—				—
Consumer and other loans
Consumer loans			1,099				—				1,099				1,906				—				1,906
Total nonaccrual loans		$	19,338			$	531			$	19,869			$	18,183			$	1,173			$	19,356

Financing Receivable, Past Due [Table Text Block]

		December 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		$	40			$	2,424			$	143			$	2,607			$	69,712			$	72,319			$	—
Commercial and industrial			1,100				295				2,285				3,680				229,174				232,854				—
Multi-family residential			—				—				—				—				199,521				199,521				—
Single family non-owner occupied			1,228				434				500				2,162				193,426				195,588				—
Non-farm, non-residential			3,182				123				1,457				4,762				847,461				852,223				—
Agricultural			159				67				492				718				15,958				16,676				—
Farmland			11				2				142				155				12,156				12,311				—
Consumer real estate loans
Home equity lines			599				230				558				1,387				88,840				90,227				—
Single family owner occupied			5,812				1,457				3,974				11,243				639,063				650,306				—
Owner occupied construction			—				—				—				—				4,491				4,491				—
Consumer and other loans
Consumer loans			2,960				932				560				4,452				83,306				87,758				—
Other			—				—				—				—				1,815				1,815				—
Total loans		$	15,091			$	5,964			$	10,111			$	31,166			$	2,384,923			$	2,416,089			$	—

		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]

		December 31, 2024												December 31, 2023
(Amounts in thousands)		Balance				Collateral Coverage				Coverage Ratio				Balance				Collateral Coverage				Coverage Ratio
Commercial Real Estate
Other		$	531			$	645				121.57	%		$	1,173			$	825				70.33	%
Consumer owner occupied			-				-								-				-
Total collateral dependent loans		$	531			$	645				121.57	%		$	1,173			$	825				70.33	%

Financing Receivable, Modified [Table Text Block]

		Payment Delays
		Amortized Cost Basis				% of Total Class of
		December 31, 2024				Financing Receivable			Financial Effect
(Amounts in thousands)
Non Farm, Non Residential Property		$	625				0.07	%	Deferred 6 months of interest to Loan Maturity.
Single Family Owner Occupied			509				0.08	%	Deferred $66 thousand in Principal to Loan Maturity.
Single Family Non Owner Occupied			30				0.02	%	Deferred 6 months of interest to Loan Maturity.
Commercial & Industrial			135				0.06	%	Deferred $8 thousand in Principal to Loan Maturity.
Total		$	1,299
		Term Extensions
		Amortized Cost Basis				% of Total Class of
		December 31, 2024				Financing Receivable			Financial Effect
(Amounts in thousands)
Commercial & Industrial		$	144				0.06	%	Delayed repayment of P & I for two years.
Consumer			2				0.00	%	Extended term from 60 to 84 months.
Home Equity			2				0.00	%	Delayed repayment of P & I for two years.
Total		$	148
		Term Extension and Rate Reduction
		Amortized Cost Basis				% of Total Class of
		December 31, 2024				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	806				0.12	%	Reduced interest income and extended time to recover principal.
Consumer			7				0.01	%	Reduced rate to 10.5%; extended term by ten months.
Total		$	813

		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

		December 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		$	625			$	-			$	-
Single Family Owner Occupied			1,140				174				-
Single Family Non Owner Occupied			-				30				-
Commercial & Industrial			144				-				135
Consumer			10				-				-
Home Equity			2
Total		$	1,921			$	204			$	135
		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 property		$	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]

		December 31, 2024				December 31, 2023
(Amounts in thousands)
Total OREO		$	521			$	192
OREO secured by residential real estate		$	521			$	192
Residential real estate loans in the foreclosure process(1)		$	2,625			$	1,895

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