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Note 5 - Loans and Allowance for Credit Losses - Loans (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(dollars in thousands)		2023				2022
Loans: (1)
Construction and land development		$181,469				$276,876
Commercial real estate (2)			1,167,857				1,312,132
Single-family residential mortgages			1,487,796				1,464,108
Commercial and industrial			130,096				201,223
SBA			52,074				61,411
Other loans			12,569				20,699
Total loans (1)		$	3,031,861			$	3,336,449
Allowance for loan losses			(41,903	)			(41,076	)
Total loans, net		$	2,989,958			$	3,295,373

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(dollars in thousands)		2023												2022												2021 (1										)
		Allowance for loan losses				Reserve for unfunded loan commitments				Allowance for credit losses				Allowance for loan losses				Reserve for unfunded loan commitments				Allowance for credit losses				Allowance for loan losses				Reserve for unfunded loan commitments				Allowance for credit losses
Beginning balance		$	41,076			$	1,156			$	42,232			$	32,912			$	1,203			$	34,115			$	29,337			$	1,383			$	30,720
ASU 2016-13 transition adjustment			—				—				—				2,135				1,045				3,180				—				—				—
Adjusted beginning balance		$	41,076			$	1,156			$	42,232			$	35,047			$	2,248			$	37,295			$	29,337			$	1,383			$	30,720
Provision/(reversal) for credit losses			3,878				(516	)			3,362				6,027				(1,092	)			4,935				3,959				(180	)			3,779
Less loans charged-off			(3,194	)			—				(3,194	)			(256	)			—				(256	)			(627	)			—				(627	)
Recoveries on loans charged-off			143				—				143				258				—				258				243				—				243
Ending balance		$	41,903			$	640			$	42,543			$	41,076			$	1,156			$	42,232			$	32,912			$	1,203			$	34,115

(dollars in thousands)
December 31, 2023		Construction and land development				Commercial real estate				Single-family residential mortgages				Commercial and industrial				SBA				Other				Total
Allowance for loan losses:
Beginning of year		$	2,638			$	17,657			$	17,640			$	1,804			$	621			$	716			$	41,076
(Reversals)/provisions for credit losses			(1,279	)			2,626				2,570				(458	)			636				(217	)			3,878
Charge-offs			(140	)			(2,537	)			(93	)			—				(62	)			(362	)			(3,194	)
Recoveries			—				80				—				2				1				60				143
Ending allowance balance		$	1,219			$	17,826			$	20,117			$	1,348			$	1,196			$	197			$	41,903

(dollars in thousands)
December 31, 2022		Construction and land development				Commercial real estate				Single-family residential mortgages				Commercial and industrial				SBA				Other				Total
Allowance for loan losses:
Beginning of year		$	4,150			$	16,603			$	7,839			$	2,813			$	980			$	527			$	32,912
ASU 2016-13 Transition Adjustment			314				(2,662	)			3,960				(188	)			(416	)			1,127				2,135
Adjusted beginning balance		$	4,464			$	13,941			$	11,799			$	2,625			$	564			$	1,654			$	35,047
(Reversals)/provisions for credit losses			(1,826	)			3,716				5,841				(818	)			(156	)			(730	)			6,027
Charge-offs			—				—				—				(5	)			(14	)			(237	)			(256	)
Recoveries			—				—				—				2				227				29				258
Ending allowance balance		$	2,638			$	17,657			$	17,640			$	1,804			$	621			$	716			$	41,076

(dollars in thousands)
December 31, 2021		Construction and land development				Commercial real estate				Single-family residential mortgages				Commercial and industrial				SBA				Other				Total
Allowance for loan losses:
Beginning of year		$	2,472			$	13,719			$	8,486			$	3,690			$	927			$	43			$	29,337
Provisions/(reversals)			1,678				2,951				(647	)			(533	)			53				457				3,959
Charge-offs			—				(67	)			—				(501	)			—				(59	)			(627	)
Recoveries			—				—				—				157				—				86				243
Ending allowance balance		$	4,150			$	16,603			$	7,839			$	2,813			$	980			$	527			$	32,912

Financing Receivable Credit Quality Indicators [Table Text Block]

(dollars in thousands)		Term Loan by Vintage
December 31, 2023		2023				2022				2021				2020				2019				Prior				Revolving				Revolving Converted to Term During the Period				Total
Real estate:
Construction and land development
Pass		$	127,602			$	25,880			$	12,168			$	3,919			$	192			$	32			$	—			$	—			$	169,793
Special mention			—				—				11,676				—				—				—				—				—				11,676
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	127,602			$	25,880			$	23,844			$	3,919			$	192			$	32			$	—			$	—			$	181,469
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	140			$	—			$	—			$	140
Commercial real estate
Pass		$	90,126			$	423,564			$	186,904			$	175,650			$	94,796			$	152,847			$	—			$	—			$	1,123,887
Special mention			—				—				—				—				7,719				4,880				—				—				12,599
Substandard			301				—				—				11,410				2,295				17,365				—				—				31,371
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	90,427			$	423,564			$	186,904			$	187,060			$	104,810			$	175,092			$	—			$	—			$	1,167,857
YTD gross write-offs		$	—			$	2,078			$	—			$	459			$	—			$	—			$	—			$	—			$	2,537
Single-family residential mortgages
Pass		$	156,372			$	593,539			$	239,502			$	125,346			$	83,002			$	265,050			$	1,720			$	—			$	1,464,531
Special mention			—				—				619				—				—				3,855				—				—				4,474
Substandard			—				719				758				4,985				545				11,740				44				—				18,791
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	156,372			$	594,258			$	240,879			$	130,331			$	83,547			$	280,645			$	1,764			$	—			$	1,487,796
YTD gross write-offs		$	—			$	—			$	—			$	93			$	—			$	—			$	—			$	—			$	93
Commercial:
Commercial and industrial
Pass		$	1,305			$	3,283			$	6,281			$	2,901			$	2,049			$	4,700			$	99,339			$	—			$	119,858
Special mention			—				—				—				—				—				—				2,737				—				2,737
Substandard			—				87				—				1,410				7				4,952				1,045				—				7,501
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	1,305			$	3,370			$	6,281			$	4,311			$	2,056			$	9,652			$	103,121			$	—			$	130,096
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SBA
Pass		$	5,642			$	11,023			$	10,037			$	2,324			$	4,588			$	13,783			$	—			$	—			$	47,397
Special mention			—				—				331				—				—				1,025				—				—				1,356
Substandard			—				—				—				—				85				3,236				—				—				3,321
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	5,642			$	11,023			$	10,368			$	2,324			$	4,673			$	18,044			$	—			$	—			$	52,074
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	62			$	—			$	—			$	62
Other:
Pass		$	193			$	2,727			$	8,813			$	674			$	29			$	—			$	18			$	—			$	12,454
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				80				28				7				—				—				—				—				115
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	193			$	2,807			$	8,841			$	681			$	29			$	—			$	18			$	—			$	12,569
YTD gross write-offs		$	—			$	79			$	273			$	10			$	—			$	—			$	—			$	—			$	362
Total by risk rating:
Pass		$	381,240			$	1,060,016			$	463,705			$	310,814			$	184,656			$	436,412			$	101,077			$	—			$	2,937,920
Special mention			—				—				12,626				—				7,719				9,760				2,737				—				32,842
Substandard			301				886				786				17,812				2,932				37,293				1,089				—				61,099
Doubtful			—				—				—				—				—				—				—				—				—
Total loans		$	381,541			$	1,060,902			$	477,117			$	328,626			$	195,307			$	483,465			$	104,903			$	—			$	3,031,861
Total YTD gross write-offs		$	—			$	2,157			$	273			$	562			$	—			$	202			$	—			$	—			$	3,194

(Dollars in thousands)		Term Loan by Vintage
December 31, 2022		2022				2021				2020				2019				2018				Prior				Revolving				Revolving Converted to Term During the Period				Total
Real estate:
Construction and land development
Pass		$	125,216			$	52,262			$	99,016			$	201			$	—			$	40			$	—			$	—			$	276,735
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				141				—				—				141
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	125,216			$	52,262			$	99,016			$	201			$	—			$	181			$	—			$	—			$	276,876
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial real estate
Pass		$	479,304			$	293,058			$	195,051			$	110,442			$	73,013			$	117,068			$	—			$	—			$	1,267,936
Special mention			—				—				9,280				—				—				—				—				—				9,280
Substandard			287				—				8,652				2,329				222				23,426				—				—				34,916
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	479,591			$	293,058			$	212,983			$	112,771			$	73,235			$	140,494			$	—			$	—			$	1,312,132
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Single-family residential mortgages
Pass		$	637,893			$	255,529			$	137,964			$	96,355			$	134,415			$	182,893			$	2,992			$	—			$	1,448,041
Special mention			—				—				—				—				3,925				—				—				—				3,925
Substandard			—				—				3,954				—				7,631				452				105				—				12,142
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	637,893			$	255,529			$	141,918			$	96,355			$	145,971			$	183,345			$	3,097			$	—			$	1,464,108
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial:
Commercial and industrial
Pass		$	8,038			$	7,513			$	4,448			$	3,470			$	1,016			$	8,827			$	129,483			$	86			$	162,881
Special mention			—				5,987				—				—				1,638				17,805				3,577				—				29,007
Substandard			—				—				1,600				16				—				339				7,380				—				9,335
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	8,038			$	13,500			$	6,048			$	3,486			$	2,654			$	26,971			$	140,440			$	86			$	201,223
YTD gross write-offs		$	—			$	—			$	—			$	5			$	—			$	—			$	—			$	—			$	5
SBA
Pass		$	14,922			$	10,664			$	6,496			$	4,688			$	2,579			$	16,793			$	—			$	—			$	56,142
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				91				1,017				4,161				—				—				5,269
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	14,922			$	10,664			$	6,496			$	4,779			$	3,596			$	20,954			$	—			$	—			$	61,411
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	14			$	—			$	—			$	14
Other:
Pass		$	4,224			$	14,684			$	1,505			$	90			$	7			$	—			$	26			$	—			$	20,536
Special mention			—				—				—				—				—				—				—				—				—
Substandard			105				48				10				—				—				—				—				—				163
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	4,329			$	14,732			$	1,515			$	90			$	7			$	—			$	26			$	—			$	20,699
YTD gross write-offs		$	—			$	237			$	—			$	—			$	—			$	—			$	—			$	—			$	237
Total by risk rating:
Pass		$	1,269,597			$	633,710			$	444,480			$	215,246			$	211,030			$	325,621			$	132,501			$	86			$	3,232,271
Special mention			—				5,987				9,280				—				5,563				17,805				3,577				—				42,212
Substandard			392				48				14,216				2,436				8,870				28,519				7,485				—				61,966
Doubtful			—				—				—				—				—				—				—				—				—
Total loans		$	1,269,989			$	639,745			$	467,976			$	217,682			$	225,463			$	371,945			$	143,563			$	86			$	3,336,449
Total YTD gross write-offs		$	—			$	237			$	—			$	5			$	—			$	14			$	—			$	—			$	256

Financing Receivable, Past Due [Table Text Block]

(dollars in thousands)		30-59				60-89				90 Days				Total				Loans Not								Non-Accrual
December 31, 2023		Days				Days				Or More				Past Due				Past Due				Total Loans				Loans (1)
Real estate:
Construction and land development		$	—			$	—			$	—			$	—			$	181,469			$	181,469			$	—
Commercial real estate			1,341				216				1,582				3,139				1,164,718				1,167,857				10,569
Single-family residential mortgages			9,050				5,795				15,134				29,979				1,457,817				1,487,796				18,103
Commercial:
Commercial and industrial			1,544				—				854				2,398				127,698				130,096				854
SBA			356				—				2,085				2,441				49,633				52,074				2,085
Other:			160				20				8				188				12,381				12,569				8
		$	12,451			$	6,031			$	19,663			$	38,145			$	2,993,716			$	3,031,861			$	31,619
Real estate:
Single-family residential mortgage loans held for sale		$	—			$	—			$	—			$	—			$	1,911			$	1,911			$	—

(dollars in thousands)		30-59				60-89				90 Days				Total				Loans Not								Non-Accrual
December 31, 2022		Days				Days				Or More				Past Due				Past Due				Total Loans				Loans (1)
Real estate:
Construction and land development		$	—			$	—			$	141			$	141			$	276,735			$	276,876			$	141
Commercial real estate			558				240				1,191				1,989				1,310,143				1,312,132				13,189
Single-family residential mortgages			12,764				2,555				4,100				19,419				1,444,689				1,464,108				5,936
Commercial:
Commercial and industrial			—				545				7				552				200,671				201,223				713
SBA			150				1,017				1,228				2,395				59,016				61,411				2,245
Other:			154				76				99				329				20,370				20,699				99
		$	13,626			$	4,433			$	6,766			$	24,825			$	3,311,624			$	3,336,449			$	22,323
Real estate:
Single-family residential mortgage loans held for sale		$	—			$	—			$	—			$	—			$	—			$	—			$	—

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual
		With No
(dollars in thousands)		Allowance
December 31, 2023		for Credit Loss				Nonaccrual
Real estate:
Commercial real estate			10,569				10,569
Single-family residential mortgages			18,103				18,103
Commercial:
Commercial and industrial			610				854
SBA			937				2,085
Other:			—				8
Total		$	30,219			$	31,619

		Nonaccrual
		With No
(dollars in thousands)		Allowance
December 31, 2022		for Credit Loss				Nonaccrual
Real estate:
Construction and land development		$	141			$	141
Commercial real estate			1,191				13,189
Single-family residential mortgages			5,936				5,936
Commercial:
Commercial and industrial			713				713
SBA			2,245				2,245
Other:			51				99
Total		$	10,277			$	22,323

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479319/326-20-50-13

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B

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X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479319/326-20-50-5

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-29

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X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479294/326-20-55-80

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-7

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-Publisher FASB
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Tabular disclosure of financing receivable on nonaccrual status.

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-Topic 326
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-Name Accounting Standards Codification
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