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Note 5 - Allowance for Credit Losses - Changes in 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, Loans | $ 33,020 | $ 34,885 | $ 34,825 | [1] | $ 36,189 | $ 36,189 |
Balance, Allowance for credit losses - loan commitments | 319 | 441 | 341 |  | 746 | 746 |
Total allowance for credit losses beginning of year | 33,339 | 35,326 | 35,166 |  | 36,935 | 36,935 |
(Recovery of) provision for credit losses - loans | 0 | 1,360 | 58 |  | 2,820 |  |
Provision for (recovery of) credit losses - loan commitments | 0 | 0 | (22) |  | (305) |  |
Total (recovery of) provision for credit losses - loans and loan commitments | 0 | 1,360 | 36 |  | 2,515 |  |
Charge-offs | (2,015) | (1,800) | (5,522) |  | (5,847) | (7,851) |
Recoveries | 592 | 673 | 2,236 |  | 1,956 |  |
Net charge-offs | (1,423) | (1,127) | (3,286) |  | (3,891) |  |
Balance, Allowance for credit losses - loans | 31,597 | 35,118 | 31,597 |  | 35,118 | 34,825 | [1]
Balance, Allowance for credit losses - loan commitments | 319 | 441 | 319 |  | 441 | 341 |
Ending balance | 31,916 | 35,559 | 31,916 |  | 35,559 | 35,166 |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |
Balance, Loans | 19,247 | 20,352 | 20,418 |  | 21,850 | 21,850 |
Balance, Allowance for credit losses - loan commitments | 163 | 289 | 171 |  | 597 | 597 |
Total allowance for credit losses beginning of year | 19,410 | 20,641 | 20,589 |  | 22,447 | 22,447 |
(Recovery of) provision for credit losses - loans | (2,311) | (151) | (3,473) |  | (1,337) |  |
Provision for (recovery of) credit losses - loan commitments | 0 | 0 | (8) |  | (308) |  |
Total (recovery of) provision for credit losses - loans and loan commitments | (2,311) | (151) | (3,481) |  | (1,645) |  |
Charge-offs | (536) | (89) | (1,231) |  | (645) |  |
Recoveries | 187 | 253 | 873 |  | 497 |  |
Net charge-offs | (349) | 164 | (358) |  | (148) |  |
Balance, Allowance for credit losses - loans | 16,587 | 20,365 | 16,587 |  | 20,365 | 20,418 |
Balance, Allowance for credit losses - loan commitments | 163 | 289 | 163 |  | 289 | 171 |
Ending balance | 16,750 | 20,654 | 16,750 |  | 20,654 | 20,589 |
Consumer Real Estate Portfolio Segment [Member] |  |  |  |  |  |  |
Balance, Loans | 9,807 | 9,879 | 9,907 |  | 9,693 | 9,693 |
Balance, Allowance for credit losses - loan commitments | 130 | 118 | 138 |  | 121 | 121 |
Total allowance for credit losses beginning of year | 9,937 | 9,997 | 10,045 |  | 9,814 | 9,814 |
(Recovery of) provision for credit losses - loans | 1,240 | 242 | 992 |  | 300 |  |
Provision for (recovery of) credit losses - loan commitments | 0 | 0 | (8) |  | (3) |  |
Total (recovery of) provision for credit losses - loans and loan commitments | 1,240 | 242 | 984 |  | 297 |  |
Charge-offs | (75) | (22) | (104) |  | (151) |  |
Recoveries | 69 | 57 | 246 |  | 314 |  |
Net charge-offs | (6) | 35 | 142 |  | 163 |  |
Balance, Allowance for credit losses - loans | 11,041 | 10,156 | 11,041 |  | 10,156 | 9,907 |
Balance, Allowance for credit losses - loan commitments | 130 | 118 | 130 |  | 118 | 138 |
Ending balance | 11,171 | 10,274 | 11,171 |  | 10,274 | 10,045 |
Consumer and Other Portfolio Segment [Member] |  |  |  |  |  |  |
Balance, Loans | 3,966 | 4,654 | 4,500 |  | 4,646 | 4,646 |
Balance, Allowance for credit losses - loan commitments | 26 | 34 | 32 |  | 28 | 28 |
Total allowance for credit losses beginning of year | 3,992 | 4,688 | 4,532 |  | 4,674 | 4,674 |
(Recovery of) provision for credit losses - loans | 1,071 | 1,269 | 2,539 |  | 3,857 |  |
Provision for (recovery of) credit losses - loan commitments | 0 | 0 | (6) |  | 6 |  |
Total (recovery of) provision for credit losses - loans and loan commitments | 1,071 | 1,269 | 2,533 |  | 3,863 |  |
Charge-offs | (1,404) | (1,689) | (4,187) |  | (5,051) | (6,693) |
Recoveries | 336 | 363 | 1,117 |  | 1,145 |  |
Net charge-offs | (1,068) | (1,326) | (3,070) |  | (3,906) |  |
Balance, Allowance for credit losses - loans | 3,969 | 4,597 | 3,969 |  | 4,597 | 4,500 |
Balance, Allowance for credit losses - loan commitments | 26 | 34 | 26 |  | 34 | 32 |
Ending balance | $ 3,995 | $ 4,631 | $ 3,995 |  | $ 4,631 | $ 4,532 |
[1] | Derived from audited financial statements

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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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