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Note 4 - Loans Receivable and Allowance for Credit Losses on Loans (Tables)
12 Months Ended
Dec. 31, 2024
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
  

December 31,

 

REAL ESTATE LOANS

 

2024

  

2023

 

Commercial (“CRE”)

 $345,317  $366,328 

Construction and development

  330,700   303,054 

Home equity

  75,147   69,488 

One-to-four-family (excludes loans held for sale)

  617,322   567,742 

Multi-family

  245,222   223,769 

Total real estate loans

  1,613,708   1,530,381 

CONSUMER LOANS

        

Indirect home improvement

  541,946   569,903 

Marine

  74,931   73,310 

Other consumer

  3,304   3,540 

Total consumer loans

  620,181   646,753 

COMMERCIAL BUSINESS LOANS

        

Commercial and industrial (“C&I”)

  287,014   238,301 

Warehouse lending

  12,918   17,580 

Total commercial business loans

  299,932   255,881 

Total loans receivable, gross

  2,533,821   2,433,015 

ACL on loans

  (31,870)  (31,534)

Total loans receivable, net

 $2,501,951  $2,401,481 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

At or For the Year Ended December 31, 2024

 
  

Real

      

Commercial

         

ACL ON LOANS

 

Estate

  

Consumer

  

Business

  

Unallocated

  

Total

 

Beginning balance

 $14,107  $13,357  $4,070  $  $31,534 

Provision for credit losses on loans

  334   5,221   80      5,635 

Charge-offs

     (5,994)  (1,141)     (7,135)

Recoveries

     1,601   235      1,836 

Net charge-offs

     (4,393)  (906)     (5,299)

Ending balance

 $14,441  $14,185  $3,244  $  $31,870 
  

At or For the Year Ended December 31, 2023

 
  

Real

      

Commercial

         

ACL ON LOANS

 

Estate

  

Consumer

  

Business

  

Unallocated

  

Total

 

Beginning balance

 $12,123  $12,109  $3,760  $  $27,992 

Provision for credit losses on loans

  1,994   3,465   311      5,770 

Charge-offs

  (10)  (3,465)  (1)     (3,476)

Recoveries

     1,248         1,248 

Net charge-offs

  (10)  (2,217)  (1)     (2,228)

Ending balance

 $14,107  $13,357  $4,070  $  $31,534 
  

At or For the Year Ended December 31, 2022

 
          

Commercial

         

ACL ON LOANS

 

Real Estate

  

Consumer

  

Business

  

Unallocated

  

Total

 

Beginning balance

 $14,798  $4,280  $6,536  $21  $25,635 

Impact of adopting ASC 326

  (5,234)  6,078   (3,682)  (21)  (2,859)

Provision for credit losses on loans

  2,559   3,158   906      6,623 

Charge-offs

     (2,465)        (2,465)

Recoveries

     1,058         1,058 

Net charge-offs

     (1,407)        (1,407)

Ending balance

 $12,123  $12,109  $3,760  $  $27,992 
Financing Receivable, Modified [Table Text Block]
  

December 31, 2024

 
              

Combination

  

Combination

     
              

Term

  

Term

  

Total

 
              

Extension

  

Extension

  

Class of

 
  

Principal

  

Payment

  

Term

  

and Principal

  

Payment

  

Financing

 

REAL ESTATE LOANS

 

Forgiveness

  

Delay

  

Extension

  

Forgiveness

  

Delay

  

Receivable

 

CRE

 $  $  $  $  $1,146   0.33%

Construction and development

              4,979   1.51 
  

December 31, 2023

 
              

Combination

  

Combination

     
              

Term

  

Term

  

Total

 
              

Extension

  

Extension

  

Class of

 
  

Principal

  

Payment

  

Term

  

and Principal

  

Interest Rate

  

Financing

 

REAL ESTATE LOANS

 

Forgiveness

  

Delay

  

Extension

  

Forgiveness

  

Reduction

  

Receivable

 

CRE

 $  $  $  $  $1,088   0.30%
  December 31, 2024 
  

Weighted-

 
  

Average

 
  

Term Extension

 
  

Payment Delay

 

REAL ESTATE LOANS

 

(in years)

 

CRE

  2.5 

Construction and development

  0.5 
  December 31, 2023 
  

Weighted-

 
  

Average

 
  

Term Extension

 
  

Payment Delay

 

REAL ESTATE LOANS

 

(in years)

 

CRE

  1.5 
Financing Receivable, Modified, Past Due [Table Text Block]
  

December 31, 2024

 
  

30-59

  

60-89

         
  

Days

  

Days

  

90 Days

  

Total

 
  

Past

  

Past

  

or More

  

Past

 

REAL ESTATE LOANS

 

Due

  

Due

  

Past Due

  

Due

 

Construction and development

 $  $  $4,979  $4,979 
Financing Receivable, Past Due [Table Text Block]
  

December 31, 2024

 
  

30-59

  

60-89

                     
  

Days

  

Days

  

90 Days

  

Total

      

Total

     
  

Past

  

Past

  

or More

  

Past

      

Loans

  

Non-

 

REAL ESTATE LOANS

 

Due

  

Due

  

Past Due

  

Due

  

Current

  

Receivable

  

Accrual (1)

 

CRE

 $845  $  $1,625  $2,470  $342,847  $345,317  $2,771 

Construction and development

  822      4,979   5,801   324,899   330,700   4,979 

Home equity

  20      251   271   74,876   75,147   261 

One-to-four-family

  2,507   253   76   2,836   614,486   617,322   164 

Multi-family

              245,222   245,222    

Total real estate loans

  4,194   253   6,931   11,378   1,602,330   1,613,708   8,175 

CONSUMER LOANS

                            

Indirect home improvement

  3,920   1,787   758   6,465   535,481   541,946   1,677 

Marine

  718   150   40   908   74,023   74,931   289 

Other consumer

  17   1   13   31   3,273   3,304   14 

Total consumer loans

  4,655   1,938   811   7,404   612,777   620,181   1,980 

COMMERCIAL BUSINESS LOANS

                            

C&I

  118      3,331   3,449   283,565   287,014   3,446 

Warehouse lending

              12,918   12,918    

Total commercial business loans

  118      3,331   3,449   296,483   299,932   3,446 

Total loans

 $8,967  $2,191  $11,073  $22,231  $2,511,590  $2,533,821  $13,601 
  

December 31, 2023

 
  

30-59

  

60-89

                     
  

Days

  

Days

  

90 Days

  

Total

      

Total

     
  

Past

  

Past

  

or More

  

Past

      

Loans

  

Non-

 

REAL ESTATE LOANS

 

Due

  

Due

  

Past Due

  

Due

  

Current

  

Receivable

  

Accrual (1)

 

CRE

 $  $  $  $  $366,328  $366,328  $1,088 

Construction and development

              303,054   303,054   4,699 

Home equity

  79   25   136   240   69,248   69,488   173 

One-to-four-family

     96      96   567,646   567,742   96 

Multi-family

              223,769   223,769    

Total real estate loans

  79   121   136   336   1,530,045   1,530,381   6,056 

CONSUMER LOANS

                            

Indirect home improvement

  1,759   1,248   777   3,784   566,119   569,903   1,863 

Marine

  373   243   137   753   72,557   73,310   342 

Other consumer

  57   18   6   81   3,459   3,540   8 

Total consumer loans

  2,189   1,509   920   4,618   642,135   646,753   2,213 

COMMERCIAL BUSINESS LOANS

                            

C&I

        2,514   2,514   235,787   238,301   2,683 

Warehouse lending

              17,580   17,580    

Total commercial business loans

        2,514   2,514   253,367   255,881   2,683 

Total loans

 $2,268  $1,630  $3,570  $7,468  $2,425,547  $2,433,015  $10,952 
Financing Receivable Credit Quality Indicators [Table Text Block]
  

December 31, 2024

 
                              

Revolving

     
                              

Loans

     

REAL ESTATE LOANS

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

CRE

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $13,023  $48,434  $84,077  $51,874  $43,652  $66,142  $  $679  $307,881 

Watch

     3,135   10,689   12,654      6,948         33,426 

Special mention

                 394         394 

Substandard

              1,625   1,991         3,616 

Total CRE

  13,023   51,569   94,766   64,528   45,277   75,475      679   345,317 

Construction and development

                                    

Pass

  167,942   87,012   30,200   29,851      380   10,336      325,721 

Substandard

        4,979                  4,979 

Total construction and development

  167,942   87,012   35,179   29,851      380   10,336      330,700 

Home equity

                                    

Pass

  6,501   2,379   326   1,538   5,930   1,631   56,430   151   74,886 

Substandard

                 14   247      261 

Total home equity

  6,501   2,379   326   1,538   5,930   1,645   56,677   151   75,147 

One-to-four-family

                                    

Pass

  77,602   110,505   174,355   109,006   76,653   66,426         614,547 

Substandard

        735         2,040         2,775 

Total one-to-four-family

  77,602   110,505   175,090   109,006   76,653   68,466         617,322 

Multi-family

                                    

Pass

  20,662   7,030   20,098   89,733   59,886   47,813         245,222 

Total multi-family

  20,662   7,030   20,098   89,733   59,886   47,813         245,222 

Total real estate loans

 $285,730  $258,495  $325,459  $294,656  $187,746  $193,779  $67,013  $830  $1,613,708 
  

December 31, 2024

 
         

Revolving

     
         Loans     

CONSUMER LOANS

 Term Loans by Year of Origination  Revolving  Converted  Total 

Indirect home improvement

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $98,516  $130,254  $167,896  $74,577  $28,045  $40,981  $  $  $540,269 

Substandard

  99   403   712   100   106   257         1,677 

Total indirect home improvement

  98,615   130,657   168,608   74,677   28,151   41,238         541,946 

Indirect home improvement gross charge-offs

  381   1,477   1,627   677   568   523         5,253 

Marine

                                    

Pass

  13,322   11,386   20,449   8,521   10,958   10,006         74,642 

Substandard

              106   183         289 

Total marine

  13,322   11,386   20,449   8,521   11,064   10,189         74,931 

Marine gross charge-offs

     21   128   51   128   237         565 

Other consumer

                                    

Pass

  310   93   334   56   35   126   2,336      3,290 

Substandard

           3         11      14 

Total other consumer

  310   93   334   59   35   126   2,347      3,304 

Other consumer gross charge-offs

  1   33   6         45   91      176 

Total consumer loans

 $112,247  $142,136  $189,391  $83,257  $39,250  $51,553  $2,347  $  $620,181 
  

December 31, 2024

 
         

Revolving

     

COMMERCIAL

        

Loans

     

BUSINESS LOANS

 Term Loans by Year of Origination  Revolving  Converted  Total 

C&I

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $65,491  $20,084  $20,091  $16,468  $6,135  $8,791  $120,899  $602  $258,561 

Watch

     4,987      722   1,799      4,183      11,691 

Special mention

           543      556   6,375      7,474 

Substandard

     2,373      2,243   1,255   1,296   2,121      9,288 

Total C&I

  65,491   27,444   20,091   19,976   9,189   10,643   133,578   602   287,014 

C&I gross charge-offs

                 380   761      1,141 

Warehouse lending

                                    

Pass

                    11,060      11,060 

Special mention

                    1,858      1,858 

Total warehouse lending

                    12,918      12,918 

Total commercial business loans

 $65,491  $27,444  $20,091  $19,976  $9,189  $10,643  $146,496  $602  $299,932 
                                     

TOTAL LOANS RECEIVABLE, GROSS

                                    

Pass

 $463,369  $417,177  $517,826  $381,624  $231,294  $242,296  $201,061  $1,432  $2,456,079 

Watch

     8,122   10,689   13,376   1,799   6,948   4,183      45,117 

Special mention

           543      950   8,233      9,726 

Substandard

  99   2,776   6,426   2,346   3,092   5,781   2,379      22,899 

Total loans receivable, gross

 $463,468  $428,075  $534,941  $397,889  $236,185  $255,975  $215,856  $1,432  $2,533,821 

Total gross charge-offs

 $382  $1,531  $1,761  $728  $696  $1,185  $852  $  $7,135 
  

December 31, 2023

 
                              

Revolving

     
                              

Loans

     

REAL ESTATE LOANS

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

CRE

 

2023

  

2022

  

2021

  

2020

  

2019

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $48,551  $91,144  $61,689  $46,117  $27,957  $61,764  $499  $  $337,721 

Watch

  3,201   5,446   12,894      453   2,226   45      24,265 

Special mention

              409            409 

Substandard

           1,650      1,957      326   3,933 

Total CRE

  51,752   96,590   74,583   47,767   28,819   65,947   544   326   366,328 

Construction and development

                                    

Pass

  120,155   106,168   46,989   15,219      540   9,284      298,355 

Substandard

     4,699                     4,699 

Total construction and development

  120,155   110,867   46,989   15,219      540   9,284      303,054 

Home equity

                                    

Pass

  4,583   398   1,584   6,525   11   2,137   54,077      69,315 

Substandard

                 36   137      173 

Total home equity

  4,583   398   1,584   6,525   11   2,173   54,214      69,488 

Home equity gross charge-offs

                          10       10 

One-to-four-family

                                   

Pass

  103,165   175,412   122,406   80,815   30,595   52,008      472   564,873 

Substandard

     866            2,003         2,869 

Total one-to-four-family

  103,165   176,278   122,406   80,815   30,595   54,011      472   567,742 

Multi-family

                                    

Pass

  7,106   20,404   91,047   42,511   37,990   24,711         223,769 

Total multi-family

  7,106   20,404   91,047   42,511   37,990   24,711         223,769 

Total real estate loans

 $286,761  $404,537  $336,609  $192,837  $97,415  $147,382  $64,042  $798  $1,530,381 
  

December 31, 2023

 
                              

Revolving

     
                              

Loans

     

CONSUMER LOANS

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

Indirect home improvement

 

2023

  

2022

  

2021

  

2020

  

2019

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $171,208  $212,661  $93,664  $36,032  $23,977  $30,492  $6  $  $568,040 

Substandard

  212   663   448   141   258   141         1,863 

Total indirect home improvement

  171,420   213,324   94,112   36,173   24,235   30,633   6      569,903 

Indirect home improvement gross charge-offs

  204   1,386   567   290   145   336         2,928 

Marine

                                    

Pass

  13,619   23,963   9,987   13,082   5,267   7,050         72,968 

Substandard

        52   85      205         342 

Total marine

  13,619   23,963   10,039   13,167   5,267   7,255         73,310 

Marine gross charge-offs

     47   93      7   256         403 

Other consumer

                                    

Pass

  309   559   175   69   3   159   2,258      3,532 

Substandard

                    8      8 

Total other consumer

  309   559   175   69   3   159   2,266      3,540 

Other consumer gross charge-offs

     2   12            120      134 

Total consumer loans

 $185,348  $237,846  $104,326  $49,409  $29,505  $38,047  $2,272  $  $646,753 
  

December 31, 2023

 
                              

Revolving

     

COMMERCIAL

                             

Loans

     

BUSINESS LOANS

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

C&I

 

2023

  

2022

  

2021

  

2020

  

2019

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $13,971  $32,334  $19,634  $11,537  $5,122  $9,707  $119,844  $145  $212,294 

Watch

  2,322      1,382   2,366      953   5,754      12,777 

Special mention

  143            498   253   1,345      2,239 

Substandard

  2,940      2,321   1,391   1,766   169   2,005      10,592 

Doubtful

                    399      399 

Total C&I

  19,376   32,334   23,337   15,294   7,386   11,082   129,347   145   238,301 

C&I gross charge-offs

        1                  1 

Warehouse lending

                                    

Pass

                    17,003      17,003 

Watch

                    577      577 

Total warehouse lending

                    17,580      17,580 

Total commercial business loans

 $19,376  $32,334  $23,337  $15,294  $7,386  $11,082  $146,927  $145  $255,881 
                                     

TOTAL LOANS RECEIVABLE, GROSS

                                    

Pass

 $482,667  $663,043  $447,175  $251,907  $130,922  $188,568  $202,971  $617  $2,367,870 

Watch

  5,523   5,446   14,276   2,366   453   3,179   6,376      37,619 

Special mention

  143            907   253   1,345      2,648 

Substandard

  3,152   6,228   2,821   3,267   2,024   4,511   2,150   326   24,479 

Doubtful

                    399      399 

Total loans receivable, gross

 $491,485  $674,717  $464,272  $257,540  $134,306  $196,511  $213,241  $943  $2,433,015 

Total gross charge-offs

 $204  $1,435  $673  $290  $152  $592  $130  $  $3,476 
Financing Receivable, Nonaccrual [Table Text Block]
  

December 31, 2024

  

December 31, 2023

 
  

Nonaccrual with

  

Nonaccrual with

  

Total

  

Nonaccrual with

  

Nonaccrual with

  

Total

 

REAL ESTATE LOANS

 

No ACL

  

ACL

  

Nonaccrual

  

No ACL

  

ACL

  

Nonaccrual

 

CRE

 $2,771  $  $2,771  $1,088  $  $1,088 

Construction and development

     4,979   4,979      4,699   4,699 

Home equity

  261      261   173      173 

One-to-four-family

  164      164   96      96 
   3,196   4,979   8,175   1,357   4,699   6,056 

CONSUMER LOANS

                        

Indirect home improvement

     1,677   1,677      1,863   1,863 

Marine

     289   289      342   342 

Other consumer

     14   14      8   8 
      1,980   1,980      2,213   2,213 

COMMERCIAL BUSINESS LOANS

                        

C&I

  2,486   960   3,446      2,683   2,683 

Total

 $5,682  $7,919  $13,601  $1,357  $9,595  $10,952 
Financing Receivable, Collateral Dependent Loans [Table Text Block]
  

December 31, 2024

  

December 31, 2023

 
     Residential  Other        Residential  Other    
     Real  Non-Real        Real  Non-Real    

REAL ESTATE LOANS

 

CRE

  

Estate

  

Estate

  

Total

  

CRE

  

Estate

  

Estate

  

Total

 

CRE

 $2,771  $  $  $2,771  $1,088  $  $  $1,088 

Construction and development

  4,979         4,979   4,699         4,699 

Home equity

     261      261      173      173 

One-to-four-family

     164      164      96      96 
   7,750   425      8,175   5,787   269      6,056 

CONSUMER LOANS

                                

Indirect home improvement

        1,677   1,677         1,863   1,863 

Marine

        289   289         342   342 
         1,966   1,966         2,205   2,205 

COMMERCIAL BUSINESS LOANS

                                

C&I

        3,446   3,446         2,683   2,683 

Total

 $7,750  $425  $5,412  $13,587  $5,787  $269  $4,888  $10,944 
Related Party [Member]  
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
  

At December 31,

 
  

2024

  

2023

 

Beginning balance

 $3,343  $3,445 

Additions

  345    

Repayments

  (113)  (102)

Ending balance

 $3,575  $3,343