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Note 3 - Loans Receivable and Allowance for Credit Losses - Loans (Tables)
9 Months Ended
Sep. 30, 2025
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
  September 30,  December 31, 
  

2025

  

2024

 

COMMERCIAL REAL ESTATE ("CRE") LOANS

        

CRE owner occupied

 $170,714  $170,396 

CRE non-owner occupied

  172,713   174,921 

Commercial and speculative construction and development

  326,684   280,798 

Multi-family

  262,578   245,222 

Total CRE loans

  932,689   871,337 

RESIDENTIAL REAL ESTATE LOANS

        

One-to-four-family

  629,712   617,322 

Home equity

  86,895   75,147 

Residential custom construction

  53,296   49,902 

Total residential real estate

  769,903   742,371 

CONSUMER LOANS

        

Indirect home improvement

  527,597   541,946 

Marine

  70,220   74,931 

Other consumer

  2,962   3,304 

Total consumer loans

  600,779   620,181 

COMMERCIAL BUSINESS LOANS

        

Commercial and industrial (“C&I”)

  311,173   287,014 

Warehouse lending

  15,113   12,918 

Total commercial business loans

  326,286   299,932 

Total loans receivable, gross

  2,629,657   2,533,821 

ACL on loans

  (30,056)  (31,870)

Total loans receivable, net

 $2,599,601  $2,501,951 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

At or For the Three Months Ended September 30, 2025

 
     Residential     Commercial    

ACL ON LOANS

 

CRE

  

Real Estate

  

Consumer

  

Business

  

Total

 

Beginning balance

 $7,070  $7,654  $15,075  $2,390  $32,189 

Provision for (reversal of) credit losses on loans

  22   (165)  2,452   (457)  1,852 

Charge-offs

  (2,300)     (2,044)     (4,344)

Recoveries

        350   9   359 

Net (charge-offs) recoveries

  (2,300)     (1,694)  9   (3,985)

Ending balance

 $4,792  $7,489  $15,833  $1,942  $30,056 
  

At or For the Three Months Ended September 30, 2024

 
     Residential     Commercial    

ACL ON LOANS

 

CRE

  

Real Estate

  

Consumer

  

Business

  

Total

 

Beginning balance

 $6,671  $7,417  $13,253  $3,897  $31,238 

(Reversal of) provision for credit losses on loans

  (103)  149   2,102   (557)  1,591 

Charge-offs

        (1,964)     (1,964)

Recoveries

        361   6   367 

Net (charge-offs) recoveries

        (1,603)  6   (1,597)

Ending balance

 $6,568  $7,566  $13,752  $3,346  $31,232 
  

At or For the Nine Months Ended September 30, 2025

 
      

Residential

      

Commercial

     

ACL ON LOANS

 

CRE

  

Real Estate

  

Consumer

  

Business

  

Total

 

Beginning balance

 $7,001  $7,440  $14,185  $3,244  $31,870 

Provision for (reversal of) credit losses on loans

  91   49   5,880   (948)  5,072 

Charge-offs

  (2,300)     (5,321)  (433)  (8,054)

Recoveries

        1,089   79   1,168 

Net charge-offs

  (2,300)     (4,232)  (354)  (6,886)

Ending balance

 $4,792  $7,489  $15,833  $1,942  $30,056 
  

At or For the Nine Months Ended September 30, 2024

 
      

Residential

      

Commercial

     

ACL ON LOANS

 

CRE

  

Real Estate

  

Consumer

  

Business

  

Total

 

Beginning balance

 $7,293  $6,814  $13,357  $4,070  $31,534 

(Reversal of) provision for credit losses on loans

  (725)  752   3,660   326   4,013 

Charge-offs

        (4,465)  (1,141)  (5,606)

Recoveries

        1,200   91   1,291 

Net charge-offs

        (3,265)  (1,050)  (4,315)

Ending balance

 $6,568  $7,566  $13,752  $3,346  $31,232 
Financing Receivable, Modified [Table Text Block]
  

For the Three Months Ended September 30, 2025

  

For the Nine Months Ended September 30, 2025

 
          

Weighted-

          

Weighted-

 
          

Average

          

Average

 
  

Combination

      

Term

  

Combination

      

Term

 
  

Term

  

Total

  

Extension

  

Term

  

Total

  

Extension

 
  

Extension

  

Class of

  

Payment

  

Extension

  

Class of

  

Payment

 
  

Payment

  

Financing

  

Delay

  

Payment

  

Financing

  

Delay

 

CRE LOANS

 

Delay

  

Receivable

  

(in years)

  

Delay

  

Receivable

  

(in years)

 

CRE owner occupied

 $1,203   0.7%  3.3  $1,203   0.70%  3.3 
  

For the Three Months Ended September 30, 2024

 

For the Nine Months Ended September 30, 2024

      

Weighted-

     

Weighted-

      

Average

     

Average

  

Combination

   

Term

 

Combination

   

Term

  

Term

 

Total

 

Extension

 

Term

 

Total

 

Extension

  

Extension

 

Class of

 

Payment

 

Extension

 

Class of

 

Payment

  

Payment

 

Financing

 

Delay

 

Payment

 

Financing

 

Delay

CRE LOANS

 

Delay

 

Receivable

 

(in years)

 

Delay

 

Receivable

 

(in years)

CRE owner occupied

 

$

1,130

  

0.3

%

 

2.3

 

$

1,130

  

0.3

%

 

2.3

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

September 30, 2025

 
  

30-59

  

60-89

         
  

Days

  

Days

  

90 Days

  

Total

 
  

Past

  

Past

  

or More

  

Past

 

CRE LOANS

 

Due

  

Due

  

Past Due

  

Due

 

Commercial and speculative construction and development

 

 $  $  $9,150  $9,150 

COMMERCIAL BUSINESS LOANS

                

C&I

        199   199 
                 

Total loans

 $  $  $9,349  $9,349 
Financing Receivable, Past Due [Table Text Block]
  

September 30, 2025

 
  30-59  60-89                     
  

Days

  

Days

  

90 Days

  

Total

      

Total

     
  

Past

  

Past

  

or More

  

Past

      

Loans

  

Non-

 

CRE LOANS

 

Due

  

Due

  

Past Due

  

Due

  

Current

  

Receivable

  

Accrual (1)

 

CRE owner occupied

 $  $  $844  $844  $169,870  $170,714  $2,047 

CRE non-owner occupied

  563         563   172,150   172,713    

Commercial and speculative construction and development

        9,150   9,150   317,534   326,684   9,150 

Multi-family

              262,578   262,578    

Total CRE loans

  563      9,994   10,557   922,132   932,689   11,197 

RESIDENTIAL REAL ESTATE LOANS

                            

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

        788   788   628,924   629,712   1,799 

Home equity

  122         122   86,773   86,895   317 

Residential custom construction

              53,296   53,296    

Total residential real estate loans

  122      788   910   768,993   769,903   2,116 

CONSUMER LOANS

                            

Indirect home improvement

  3,306   1,470   1,288   6,064   521,533   527,597   3,802 

Marine

  194   24   98   316   69,904   70,220   620 

Other consumer

  2   2   39   43   2,919   2,962   40 

Total consumer loans

  3,502   1,496   1,425   6,423   594,356   600,779   4,462 

COMMERCIAL BUSINESS LOANS

                            

C&I

        599   599   310,574   311,173   599 

Warehouse lending

              15,113   15,113    

Total commercial business loans

        599   599   325,687   326,286   599 

Total loans

 $4,187  $1,496  $12,806  $18,489  $2,611,168  $2,629,657  $18,374 
  

December 31, 2024

 
  30-59  60-89                     
  

Days

  

Days

  

90 Days

  

Total

      

Total

     
  

Past

  

Past

  

or More

  

Past

      

Loans

  

Non-

 

CRE LOANS

 

Due

  

Due

  

Past Due

  

Due

  

Current

  

Receivable

  

Accrual (1)

 

CRE owner occupied

 $845  $  $1,625  $2,470  $167,926  $170,396  $2,771 

CRE non-owner occupied

              174,921   174,921    

Commercial and speculative construction and development

        4,979   4,979   275,819   280,798   4,979 

Multi-family

              245,222   245,222    

Total CRE loans

  845      6,604   7,449   863,888   871,337   7,750 

RESIDENTIAL REAL ESTATE LOANS

                            

One-to-four-family

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

Home equity

  20      251   271   74,876   75,147   261 

Residential custom construction

  822         822   49,080   49,902    

Total residential real estate loans

  3,349   253   327   3,929   738,442   742,371   425 

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 
Financing Receivable Credit Quality Indicators [Table Text Block]
  

September 30, 2025

 
                              

Revolving

     
                              

Loans

     

CRE LOANS

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

CRE owner occupied

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $19,829  $4,172  $27,061  $36,451  $11,787  $42,490  $  $  $141,790 

Watch

  142   600      5,260   13,337   7,150         26,489 

Special mention

                           

Substandard

                 2,435         2,435 

Total CRE owner occupied

  19,971   4,772   27,061   41,711   25,124   52,075         170,714 

CRE non-owner occupied

                                    

Pass

  2,429   8,364   16,124   49,954   35,257   53,301      300   165,729 

Watch

                 412         412 

Special mention

           1,363      2,128         3,491 

Substandard

        3,081                  3,081 

Total CRE non-owner occupied

  2,429   8,364   19,205   51,317   35,257   55,841      300   172,713 

Commercial and speculative construction and development

                                    

Pass

  128,910   108,636   36,736   22,331   12,155   74   8,692      317,534 

Substandard

  1,209         7,941               9,150 

Total commercial and speculative construction and development

  130,119   108,636   36,736   30,272   12,155   74   8,692      326,684 

Commercial and speculative construction and development gross charge-offs

           2,300               2,300 

Multi-family

                                    

Pass

  23,970   20,741   7,040   20,014   87,907   102,906         262,578 

Total multi-family

  23,970   20,741   7,040   20,014   87,907   102,906         262,578 

Total CRE loans

 $176,489  $142,513  $90,042  $143,314  $160,443  $210,896  $8,692  $300  $932,689 

Total CRE loans gross charge-offs

 $  $  $  $2,300  $  $  $  $  $2,300 
  

September 30, 2025

 

RESIDENTIAL

                             

Revolving

     

REAL ESTATE LOANS

                             

Loans

     

One-to-four-family

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

(excludes loans held for sale)

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $75,788  $58,176  $107,133  $154,882  $99,758  $129,111  $  $504  $625,352 

Watch

        676                  676 

Substandard

           715      2,969         3,684 

Total one-to-four-family

  75,788   58,176   107,809   155,597   99,758   132,080      504   629,712 

Home equity

                                    

Pass

  11,091   2,075   1,843   294   1,365   6,674   63,236      86,578 

Substandard

                 7   310      317 

Total home equity

  11,091   2,075   1,843   294   1,365   6,681   63,546      86,895 

Residential custom construction

                                    

Pass

  26,812   23,164   1,959   1,361               53,296 

Total residential custom construction

  26,812   23,164   1,959   1,361               53,296 

Total residential real estate loans

 $113,691  $83,415  $111,611  $157,252  $101,123  $138,761  $63,546  $504  $769,903 
  

September 30, 2025

 
                              

Revolving

     
                              Loans     

CONSUMER LOANS

 Term Loans by Year of Origination Revolving  Converted  Total 

Indirect home improvement

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $85,137  $74,590  $106,797  $139,680  $61,947  $55,644  $  $  $523,795 

Substandard

  149   640   1,094   1,070   397   452         3,802 

Total indirect home improvement

  85,286   75,230   107,891   140,750   62,344   56,096         527,597 

Indirect home improvement gross charge-offs

  57   1,228   1,073   1,603   585   530         5,076 

Marine

                                    

Pass

  7,154   11,287   10,073   17,438   7,522   16,126         69,600 

Substandard

        27   113   106   374         620 

Total marine

  7,154   11,287   10,100   17,551   7,628   16,500         70,220 

Marine gross charge-offs

     63   16         38         117 

Other consumer

                                    

Pass

  186   108   46   133   15   122   2,312      2,922 

Substandard

                    40      40 

Total other consumer

  186   108   46   133   15   122   2,352      2,962 

Other consumer gross charge-offs

     5         2   44   77      128 

Total consumer loans

 $92,626  $86,625  $118,037  $158,434  $69,987  $72,718  $2,352  $  $600,779 

Total consumer loans gross charge-offs

 $57  $1,296  $1,089  $1,603  $587  $612  $77  $  $5,321 
  

September 30, 2025

 
         

Revolving

     

COMMERCIAL

                             

Loans

     

BUSINESS LOANS

 Term Loans by Year of Origination  Revolving  Converted  Total 

C&I

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $33,820  $57,656  $20,254  $13,360  $13,317  $11,992  $143,912  $777  $295,088 

Watch

              602      3,997      4,599 

Special mention

        4,999      508   1,546   469      7,522 

Substandard

  192      84      1,627   1,260   801      3,964 

Total C&I

  34,012   57,656   25,337   13,360   16,054   14,798   149,179   777   311,173 

C&I gross charge-offs

              433            433 

Warehouse lending

                                    

Pass

                    14,329      14,329 

Special mention

                    784      784 

Total warehouse lending

                    15,113      15,113 

Total commercial business loans

 $34,012  $57,656  $25,337  $13,360  $16,054  $14,798  $164,292  $777  $326,286 

Total commercial business loans gross charge-offs

 $  $  $  $  $433  $  $  $  $433 
                                     

TOTAL LOANS RECEIVABLE, GROSS

                                    

Pass

 $415,126  $368,969  $335,066  $455,898  $331,030  $418,440  $232,481  $1,581  $2,558,591 

Watch

  142   600   676   5,260   13,939   7,562   3,997      32,176 

Special mention

        4,999   1,363   508   3,674   1,253      11,797 

Substandard

  1,550   640   4,286   9,839   2,130   7,497   1,151      27,093 

Total loans receivable, gross

 $416,818  $370,209  $345,027  $472,360  $347,607  $437,173  $238,882  $1,581  $2,629,657 

Total gross charge-offs

 $57  $1,296  $1,089  $3,903  $1,020  $612  $77  $  $8,054 
  

December 31, 2024

 
                              

Revolving

     
                              

Loans

     

CRE LOANS

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

CRE owner occupied

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Loans

  

to Term

  

Loans

 

Pass

 $4,659  $31,943  $35,248  $15,653  $28,970  $22,926  $  $679  $140,078 

Watch

        9,300   12,654      4,354         26,308 

Special mention

                 394         394 

Substandard

              1,625   1,991         3,616 

Total CRE owner occupied

  4,659   31,943   44,548   28,307   30,595   29,665      679   170,396 

CRE non-owner occupied

                                    

Pass

  8,364   16,491   48,829   36,221   14,682   43,216         167,803 

Watch

     3,135   1,389         2,594         7,118 

Total CRE non-owner occupied

  8,364   19,626   50,218   36,221   14,682   45,810         174,921 

Commercial and speculative construction and development

                                    

Pass

  129,201   77,241   28,810   29,851      380   10,336      275,819 

Substandard

        4,979                  4,979 

Total commercial and speculative construction and development

  129,201   77,241   33,789   29,851      380   10,336      280,798 

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 CRE loans

 $162,886  $135,840  $148,653  $184,112  $105,163  $123,668  $10,336  $679  $871,337 
  

December 31, 2024

 

RESIDENTIAL

                             

Revolving

     

REAL ESTATE LOANS

                             

Loans

     

One-to-four-family

 

Term Loans by Year of Origination

  

Revolving

  

Converted

  

Total

 

(excludes loans held for sale)

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Loans

  

to Term

  

Loans

 

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 

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 

Residential custom construction

                                    

Pass

  38,741   9,771   1,390                  49,902 

Total residential custom construction

  38,741   9,771   1,390                  49,902 

Total residential real estate loans

 $122,844  $122,655  $176,806  $110,544  $82,583  $70,111  $56,677  $151  $742,371 
  

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 

Total consumer loans gross charge-offs

 $382  $1,531  $1,761  $728  $696  $805  $91  $  $5,994 
  

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 commercial business loans gross charge-offs

 $  $  $  $  $  $380  $761  $  $1,141 
                                     

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 
Financing Receivable, Nonaccrual [Table Text Block]
  

September 30, 2025

  

December 31, 2024

 
  

Nonaccrual with

  

Nonaccrual with

  

Total

  

Nonaccrual with

  

Nonaccrual with

  

Total

 

CRE LOANS

 

No ACL

  

ACL

  

Nonaccrual

  

No ACL

  

ACL

  

Nonaccrual

 

CRE owner occupied

 $2,047  $  $2,047  $2,771  $  $2,771 

Commercial and speculative construction and development

  9,150      9,150      4,979   4,979 
   11,197      11,197   2,771   4,979   7,750 
                         

RESIDENTIAL REAL ESTATE LOANS

                        

One-to-four-family

  1,799      1,799   164      164 

Home equity

  317      317   261      261 
   2,116      2,116   425      425 
                         

CONSUMER LOANS

                        

Indirect home improvement

     3,802   3,802      1,677   1,677 

Marine

     620   620      289   289 

Other consumer

     40   40      14   14 
      4,462   4,462      1,980   1,980 

COMMERCIAL BUSINESS LOANS

                        

C&I

  434   165   599   2,486   960   3,446 

Total

 $13,747  $4,627  $18,374  $5,682  $7,919  $13,601 
Financing Receivable, Collateral Dependent Loans [Table Text Block]
  

September 30, 2025

  

December 31, 2024

 
     

Residential

  

Other

         

Residential

  

Other

     
     Real  Non-Real         Real  Non-Real     

CRE LOANS

 

CRE

  

Estate

  

Estate

  

Total

  

CRE

  

Estate

  

Estate

  

Total

 

CRE owner occupied

 $2,047  $  $  $2,047  $2,771  $  $  $2,771 

Commercial and speculative construction and development

  9,150         9,150   4,979          4,979 
   11,197         11,197   7,750         7,750 
                         

RESIDENTIAL REAL ESTATE LOANS

                                

One-to-four-family

     1,799      1,799      164      164 

Home equity

     317      317      261      261 
      2,116      2,116      425      425 
                         

CONSUMER LOANS

                                

Indirect home improvement

        3,802   3,802         1,677   1,677 

Marine

        620   620         289   289 
         4,422   4,422         1,966   1,966 

COMMERCIAL BUSINESS LOANS

                                

C&I

        599   599         3,446   3,446 

Total

 $11,197  $2,116  $5,021  $18,334  $7,750  $425  $5,412  $13,587