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Note 5 - Loan Restructurings (Tables)
3 Months Ended
Mar. 31, 2025
Notes Tables  
Financing Receivable, Modified [Table Text Block]

Three Months Ended March 31, 2025

 

Amortized Cost

     
              Combination      % of Total 
              

Term Extension

      

Class of

 
  

Payment

  

Term

  

Interest Rate

  

and Interest

      

Financing

 

(In Thousands of Dollars)

 

Deferral

  

Extension

  

Reduction

  

Rate Reduction

  

Total

  

Receivable

 

Commercial

                        

Commercial and industrial

 $124  $0  $0  $0  $124   0.04%

Residential real estate

                        

Home equity lines of credit

  0   15   0   0  $15   0.01%

Total modifications to borrowers experiencing financial difficulty

 $124  $15  $0  $0  $139   0.00%

Three Months Ended March 31, 2024

 

Amortized Cost

     
              

Combination

      

% of Total

 
              

Term Extension

      

Class of

 
  

Payment

  

Principal

  

Interest Rate

  

and Interest

      

Financing

 

(In Thousands of Dollars)

 

Deferral

  

Forgiveness

  

Reduction

  

Rate Reduction

  

Total

  

Receivable

 

Commercial real estate

                        

Non-owner occupied

 $0  $74  $0  $0  $74   0.01%

Residential real estate

                        

Home equity lines of credit

  0   0   29   0  $29   0.02%

Total modifications to borrowers experiencing financial difficulty

 $0  $74  $29  $0  $103   0.00%
  

Payment Deferral

  

Term Extension

  

Interest Rate Reduction

 
  

Weighted-Average

  

Weighted-Average Years

  

Weighted-Average

 
  

Principal Deferred

  

Added to the Life

  

Contractual Interest Rate

 

Three Months Ended March 31, 2025

        

From

  

To

 

Commercial

                

Commercial and industrial

 $112             

Residential real estate

                

Home equity lines of credit

      5         
  

Payment Deferral

  

Principal Forgiveness

  

Interest Rate Reduction

 
  

Weighted-Average

  

Reduction of Amortized

  

Weighted-Average

 
  

Principal Deferred

  

Cost Basis of the Loans

  

Contractual Interest Rate

 

Three Months Ended March 31, 2024

        

From

  

To

 

Commercial real estate

                

Non-owner occupied

 $0  $152         

Residential real estate

                

Home Equity Lines of Credit

          10.25%  5.00%
Financing Receivable, Performance of Modified Loans [Table Text Block]

Three Months Ended March 31, 2025

 

Payment status (Amortized cost Basis)

 
      

30-89

  

90+

 

(In Thousands of Dollars)

 

Current

  

Days past due

  

Days past due

 

Accrual restructured loans

            

Commercial

            

Commercial and industrial

 $0  $0  $0 

Residential real estate

            

Home equity lines of credit

  15   0   0 

Total accruing restructured loans

  15   0   0 
             

Nonaccrual restructured loans

            

Commercial

            

Commercial and industrial

  0   0   124 

Residential real estate

            

Home equity lines of credit

  0   0   0 

Total nonaccrual restructured loans

  0   0   124 

Total restructured loans

 $15  $0  $124 

Three Months Ended March 31, 2024

 

Payment status (Amortized cost Basis)

 
      

30-89

  

90+

 

(In Thousands of Dollars)

 

Current

  

Days past due

  

Days past due

 

Nonaccrual restructured loans

            

Commercial real estate

            

Non-owner occupied

 $74  $0  $0 

Residential real estate

            

Home equity lines of credit

  29   0   0 

Total nonaccrual restructured loans

  103   0   0 

Total restructured loans

 $103  $0  $0 
Financing Receivable, Modified, Subsequent Default [Table Text Block]

Three Months Ended March 31, 2025

 

Amortized Cost

 
              

Combination

 
              

Term Extension

 
  

Payment

  

Term

  

Interest Rate

  

and Interest Rate

 

(In Thousands of Dollars)

 

Deferral

  

Extension

  

Reduction

  

Reduction

 

Commercial

                

Commercial and industrial

 $124  $0  $0   0 

Residential real estate

                

Home equity lines of credit

  0   0   0   19 

Total modifications to borrowers experiencing financial difficulty

 $124  $0  $0  $19 

Three Months Ended March 31, 2024

 

Amortized Cost

 
              

Combination

 
              

Term Extension

 
  

Payment

  

Term

  

Interest Rate

  

and Interest Rate

 

(In Thousands of Dollars)

 

Deferral

  

Extension

  

Reduction

  

Reduction

 

Residential real estate

                

1-4 family residential

 $0  $0  $30  $0 

Total modifications to borrowers experiencing financial difficulty

 $0  $0  $30  $0