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Note 4 - Mortgage Servicing Rights (Tables)
9 Months Ended
Sep. 30, 2025
Notes Tables  
Servicing Asset at Amortized Cost [Table Text Block]
  

At or For the Three Months Ended

 
  

September 30,

 
  

2025

  

2024

 

Beginning balance, at the lower of cost or fair value

 $8,652  $9,352 

Additions

  510   498 

MSRs amortized

  (662)  (605)

Recovery (impairment) of MSRs

  6   (506)

Ending balance, at the lower of cost or fair value

 $8,506  $8,739 
  

At or For the Nine Months Ended

 
  

September 30,

 
  

2025

  

2024

 

Beginning balance, at the lower of cost or fair value

 $9,204  $17,176 

Additions

  1,242   1,891 

Sales

     (7,953)

MSRs amortized

  (1,917)  (1,830)

Impairment of MSRs

  (23)  (545)

Ending balance, at the lower of cost or fair value

 $8,506  $8,739 
Schedule of Servicing Assets at Fair Value [Table Text Block]
  September 30,  December 31, 
  

2025

  

2024

 

Aggregate portfolio principal balance

 $1,639,890  $1,632,141 

Weighted average rate of loans in MSRs portfolio

  4.4%  4.2%

Fair value MSRs

 $21,691  $21,043 

Weighted average life in years

  7.8   7.9 

Weighted average constant prepayment rate

  8.3%  8.3%

Decline in fair value from 10% adverse change (prepayment-only)

 $715  $408 

Decline in fair value from 20% adverse change (prepayment-only)

 $1,075  $776 

Effective discount rate

  9.1%  10.2%

Decline in fair value from 10% adverse change (prepayment + discount rate)

 $901  $911 

Decline in fair value from 20% adverse change (prepayment + discount rate)

 $1,733  $1,819