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Note 4 - Credit Quality (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		September 30, 2025
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	62,630			$	122			$	426			$	-			$	-			$	63,178
Commercial and industrial			249,423				638				3,693				-				-				253,754
Multi-family residential			190,699				35				129				-				-				190,863
Single family non-owner occupied			171,657				1,521				6,122				-				-				179,300
Non-farm, non-residential			813,891				11,399				6,330				-				-				831,620
Agricultural			9,262				2,979				1,379				-				-				13,620
Farmland			9,892				233				927				-				-				11,052
Consumer real estate loans
Home equity lines			80,995				418				2,607				-				-				84,020
Single family owner occupied			613,147				1,566				17,996				-				-				632,709
Owner occupied construction			3,957				-				-				-				-				3,957
Consumer and other loans
Consumer loans			63,401				-				1,323				-				-				64,724
Other			2,508				-				-				-				-				2,508
Total loans		$	2,271,462			$	18,911			$	40,932			$	-			$	-			$	2,331,305

		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

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at September 30, 2025		2025				2024				2023				2022				2021				Prior				Revolving				Total
Construction, development and other land
Pass		$	7,093			$	8,881			$	2,401			$	27,616			$	11,833			$	4,414			$	392			$	62,630
Special mention			-				-				-				-				-				122				-				122
Substandard			-				162				110				-				-				154				-				426
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total construction, development, and other land		$	7,093			$	9,043			$	2,511			$	27,616			$	11,833			$	4,690			$	392			$	63,178
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Commercial and industrial
Pass		$	51,857			$	56,586			$	26,154			$	41,126			$	7,819			$	15,324			$	50,557			$	249,423
Special mention			135				80				-				142				-				109				172				638
Substandard			103				590				317				991				334				1,149				209				3,693
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total commercial and industrial		$	52,095			$	57,256			$	26,471			$	42,259			$	8,153			$	16,582			$	50,938			$	253,754
Current period gross write-offs		$	20			$	74			$	161			$	207			$	73			$	420			$	-			$	955
Multi-family residential
Pass		$	3,810			$	747			$	11,226			$	73,520			$	39,504			$	61,098			$	794			$	190,699
Special mention			-				-				-				-				-				35				-				35
Substandard			-				-				-				95				-				34				-				129
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total multi-family residential		$	3,810			$	747			$	11,226			$	73,615			$	39,504			$	61,167			$	794			$	190,863
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-farm, non-residential
Pass		$	42,477			$	37,289			$	71,631			$	214,323			$	126,270			$	310,584			$	11,317			$	813,891
Special mention			-				441				-				2,698				3,676				4,584				-				11,399
Substandard			179				596				22				155				1,543				3,526				309				6,330
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total non-farm, non-residential		$	42,656			$	38,326			$	71,653			$	217,176			$	131,489			$	318,694			$	11,626			$	831,620
Current period gross write-offs		$	-			$	-			$	-			$	56			$	-			$	16			$	-			$	72
Agricultural
Pass		$	1,592			$	504			$	2,300			$	1,736			$	876			$	1,753			$	501			$	9,262
Special mention			-				-				-				240				138				2,601				-				2,979
Substandard			-				-				89				79				20				1,191				-				1,379
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total agricultural		$	1,592			$	504			$	2,389			$	2,055			$	1,034			$	5,545			$	501			$	13,620
Current period gross write-offs		$	-			$	-			$	117			$	45			$	-			$	-			$	-			$	162
Farmland
Pass		$	667			$	836			$	906			$	718			$	1,256			$	4,196			$	1,313			$	9,892
Special mention			-				-				-				-				95				138				-				233
Substandard			-				-				-				-				-				927				-				927
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total farmland		$	667			$	836			$	906			$	718			$	1,351			$	5,261			$	1,313			$	11,052
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at September 30, 2025		2025				2024				2023				2022				2021				Prior				Revolving				Total
Home equity lines
Pass		$	555			$	228			$	304			$	1,004			$	76			$	3,566			$	75,262			$	80,995
Special mention			-				-				-				-				-				83				335				418
Substandard			-				-				-				170				50				1,722				665				2,607
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total home equity lines		$	555			$	228			$	304			$	1,174			$	126			$	5,371			$	76,262			$	84,020
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	42			$	42
Single family Mortgage
Pass		$	35,037			$	17,127			$	44,716			$	143,436			$	190,034			$	352,992			$	1,462			$	784,804
Special mention			-				-				-				-				384				2,703				-				3,087
Substandard			28				29				743				2,838				1,528				18,952				-				24,118
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total single family owner and non-owner occupied		$	35,065			$	17,156			$	45,459			$	146,274			$	191,946			$	374,647			$	1,462			$	812,009
Current period gross write-offs		$	-			$	-			$	-			$	-			$	55			$	49			$	-			$	104
Owner occupied construction
Pass		$	820			$	2,655			$	27			$	49			$	152			$	254			$	-			$	3,957
Special mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total owner occupied construction		$	820			$	2,655			$	27			$	49			$	152			$	254			$	-			$	3,957
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer loans
Pass		$	12,367			$	11,799			$	12,911			$	14,286			$	5,382			$	1,546			$	7,618			$	65,909
Special mention			-				-				-				-				-				-				-				-
Substandard			11				115				267				395				203				300				32				1,323
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total consumer loans		$	12,378			$	11,914			$	13,178			$	14,681			$	5,585			$	1,846			$	7,650			$	67,232
Current period gross write-offs		$	1,426			$	482			$	753			$	939			$	335			$	78			$	174			$	4,187

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at September 30, 2025		2025				2024				2023				2022				2021				Prior				Revolving				Total
Total loans
Pass		$	156,275			$	136,652			$	172,576			$	517,814			$	383,202			$	755,727			$	149,216			$	2,271,462
Special mention			135				521				-				3,080				4,293				10,375				507				18,911
Substandard			321				1,492				1,548				4,723				3,678				27,955				1,215				40,932
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total loans		$	156,731			$	138,665			$	174,124			$	525,617			$	391,173			$	794,057			$	150,938			$	2,331,305
Current period gross write-offs		$	1,446			$	556			$	1,031			$	1,247			$	463			$	563			$	216			$	5,522

(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

Financing Receivable, Nonaccrual [Table Text Block]

		September 30, 2025												December 31, 2024
(Amounts in thousands)		No Allowance				With an Allowance				Total				No Allowance				With an Allowance				Total
Commercial loans
Construction, development, and other land		$	126			$	-			$	126			$	140			$	-			$	140
Commercial and industrial			1,545				-				1,545				2,492				-				2,492
Multi-family residential			129				-				129				152				-				152
Single family non-owner occupied			1,152				-				1,152				983				-				983
Non-farm, non-residential			1,967				-				1,967				2,284				531				2,815
Agricultural			1,020				-				1,020				1,541				-				1,541
Farmland			224				-				224				386				-				386
Consumer real estate loans			-
Home equity lines			1,058				-				1,058				1,072				-				1,072
Single family owner occupied			8,353				-				8,353				9,189				-				9,189
Owner occupied construction			-				-				-				-				-				-
Consumer and other loans
Consumer loans			940				-				940				1,099				-				1,099
Total nonaccrual loans		$	16,514			$	-			$	16,514			$	19,338			$	531			$	19,869

Financing Receivable, Past Due [Table Text Block]

		September 30, 2025
																										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		$	53			$	7			$	122			$	182			$	62,996			$	63,178			$	-
Commercial and industrial			699				201				1,264				2,164				251,590				253,754				-
Multi-family residential			54				-				-				54				190,809				190,863				-
Single family non-owner occupied			1,001				-				658				1,659				177,641				179,300				-
Non-farm, non-residential			1,674				96				1,212				2,982				828,638				831,620				-
Agricultural			290				-				1,016				1,306				12,314				13,620				-
Farmland			46				-				-				46				11,006				11,052				-
Consumer real estate loans
Home equity lines			373				143				295				811				83,209				84,020				-
Single family owner occupied			4,362				1,953				2,948				9,263				623,446				632,709				-
Owner occupied construction			-				-				-				-				3,957				3,957				-
Consumer and other loans
Consumer loans			1,947				733				516				3,196				61,528				64,724				-
Other			-				-				-				-				2,508				2,508				-
Total loans		$	10,499			$	3,133			$	8,031			$	21,663			$	2,309,642			$	2,331,305			$	-

		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				-

Collateral Dependent Loans [Table Text Block]

		September 30, 2025												December 31, 2024
(Amounts in thousands)		Balance				Collateral Coverage				%				Balance				Collateral Coverage				%
Commercial Real Estate		$	-			$	-				-			$	-			$	-				-
Other			-				-				-				531				645				121.57	%
Total collateral dependent loans		$	-			$	-				-			$	531			$	645				121.57	%

Financing Receivable, Modified [Table Text Block]

		Payment Delays
		Amortized Cost Basis				% of Total Class of
		September 30, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Non Farm, Non Residential Property		$	589				0.07	%	Interest only payments for six months; deferred payments to maturity.
Single Family Owner Occupied			479				0.08	%	Deferred $66 thousand in principal to loan maturity.
Single Family Non Owner Occupied			22				0.01	%	Deferred 6 months of principal to loan maturity.
Commercial & Industrial			13				0.10	%	Deferred 6 months of interest to loan maturity.
Total		$	1,103

		Term Extensions
		Amortized Cost Basis				% of Total Class of
		September 30, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	69				0.01	%	Extended term 10.5 years.
Commercial & Industrial			35				0.01	%	Delayed repayment of P & I for 24-46 months.
Consumer			1				0.00	%	Extended term from 60 to 84 months.
Total		$	105

		Term Extension and Rate Reduction
		Amortized Cost Basis				% of Total Class of
		September 30, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	988				0.16	%	Reduced interest income and extended time to recover principal.
Consumer			5				0.01	%	Reduced rate to 10.5%; extended term by ten months.
Total		$	993

		Interest Rate Reduction
		Amortized Cost Basis				% of Total Class of
		September 30, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	90				0.01	%	Reduced interest rate from 3.15% to 1.95%.
Total		$	90

		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

		September 30, 2025
		Payment Status (Amortized Cost Basis)
		Current				30-89 Days Past Due				90+ Days Past Due
(Amounts in thousands)
Non Farm, Non Residential Property		$	589			$	-			$	-
Single Family Owner Occupied			1,248				213				165
Single Family Non Owner Occupied			22				-				-
Agricultural			-				-				-
Commercial & Industrial			48				-				-
Consumer			6				-				-
Home Equity			-				-				-
Total		$	1,913			$	213			$	165
		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

Other Real Estate Owned [Table Text Block]

		September 30, 2025				December 31, 2024
(Amounts in thousands)
OREO		$	264			$	521
OREO secured by residential real estate		$	264			$	521
Residential real estate loans in the foreclosure process(1)		$	1,499			$	2,625

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