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Note 7 - Loans and Related Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

		December 31,				December 31,
		2024 ⁽¹⁾⁽²⁾				2023 ⁽¹⁾⁽²⁾
Commercial real estate:
Owner occupied		$	181,447			$	183,545
Non-owner occupied			412,291				401,580
Multifamily			89,849				82,506
Residential real estate			353,442				328,854
Commercial and industrial			229,034				221,508
Home equity lines of credit			143,379				127,818
Construction and other			103,608				125,105
Consumer installment			6,564				7,214
Total loans			1,519,614				1,478,130
Less: Allowance for credit losses			(22,447	)			(21,693	)
Net loans		$	1,497,167			$	1,456,437

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

		For the Twelve Months Ended December 31, 2024
		Allowance for Credit Losses
		Balance																Balance
		December 31, 2023				Charge-offs				Recoveries				Provision				December 31, 2024
Loans:
Commercial real estate:
Owner occupied		$	2,668			$	(45	)		$	11			$	(534	)		$	2,100
Non-owner occupied			4,480				(1,341	)			-				5,225				8,364
Multifamily			1,796				-				-				(486	)			1,310
Residential real estate			5,450				-				-				(214	)			5,236
Commercial and industrial			4,377				(215	)			55				(1,790	)			2,427
Home equity lines of credit			750				(7	)			1				153				897
Construction and other			1,990				-				-				62				2,052
Consumer installment			182				(38	)			143				(226	)			61
Total		$	21,693			$	(1,646	)		$	210			$	2,190			$	22,447

		For the Twelve Months Ended December 31, 2023
		Allowance for Credit Losses
		Balance				CECL																Balance
		December 31, 2022				Adoption				Charge-offs				Recoveries				Provision				December 31, 2023
Loans:
Commercial real estate:
Owner occupied		$	2,203			$	811			$	(46	)		$	5			$	(305	)		$	2,668
Non-owner occupied			5,597				(1,206	)			-				-				89				4,480
Multifamily			662				591				-				-				543				1,796
Residential real estate			2,047				2,744				(108	)			13				754				5,450
Commercial and industrial			1,483				2,320				(85	)			38				621				4,377
Home equity lines of credit			1,753				(1,031	)			-				70				(42	)			750
Construction and other			609				956				-				-				425				1,990
Consumer installment			84				197				(63	)			207				(243	)			182
Total		$	14,438			$	5,382			$	(302	)		$	333			$	1,842			$	21,693

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 2024
Term Loans Amortized Cost Basis by Origination Year																										Revolving Amortized
(Dollar amounts in thousands)		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Commercial real estate:
Owner occupied
Pass		$	12,424			$	20,265			$	33,389			$	39,025			$	25,532			$	39,393			$	4,394			$	174,422
Special Mention			-				-				-				389				-				772				-				1,161
Substandard			974				-				4,535				-				-				355				-				5,864
Total Owner occupied		$	13,398			$	20,265			$	37,924			$	39,414			$	25,532			$	40,520			$	4,394			$	181,447
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	45			$	-			$	45
Non-owner occupied
Pass		$	7,542			$	63,559			$	96,624			$	49,009			$	20,230			$	133,530			$	905			$	371,399
Special Mention			-				-				2,506				-				-				2,002				-				4,508
Substandard			-				-				3,719				635				-				32,030				-				36,384
Total Non-owner occupied		$	7,542			$	63,559			$	102,849			$	49,644			$	20,230			$	167,562			$	905			$	412,291
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	1,341			$	-			$	1,341
Multifamily
Pass		$	2,930			$	36,113			$	21,978			$	7,437			$	10,057			$	11,324			$	10			$	89,849
Total Multifamily		$	2,930			$	36,113			$	21,978			$	7,437			$	10,057			$	11,324			$	10			$	89,849
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Residential real estate
Pass		$	45,347			$	50,820			$	61,963			$	69,982			$	36,067			$	86,492			$	291			$	350,962
Substandard			34				169				115				635				-				1,527				-				2,480
Total Residential real estate		$	45,381			$	50,989			$	62,078			$	70,617			$	36,067			$	88,019			$	291			$	353,442
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Commercial and industrial
Pass		$	48,654			$	33,860			$	31,305			$	13,512			$	18,864			$	4,888			$	74,169			$	225,252
Special Mention			2,263				-				-				-				-				-				832				3,095
Substandard			214				10				-				-				305				84				74				687
Total Commercial and industrial		$	51,131			$	33,870			$	31,305			$	13,512			$	19,169			$	4,972			$	75,075			$	229,034
Current-period gross charge-offs		$	-			$	180			$	23			$	12			$	-			$	-			$	-			$	215
Home equity lines of credit
Pass		$	244			$	-			$	166			$	183			$	133			$	2,041			$	139,214			$	141,981
Substandard			-				68				150				-				34				493				653				1,398
Total Home equity lines of credit		$	244			$	68			$	316			$	183			$	167			$	2,534			$	139,867			$	143,379
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	7			$	-			$	7
Construction and other
Pass		$	31,361			$	48,177			$	2,418			$	1,223			$	506			$	1,368			$	14,909			$	99,962
Special Mention			-				-				834				-				-				221				-				1,055
Substandard			-				493				-				-				-				1,171				927				2,591
Total Construction and other		$	31,361			$	48,670			$	3,252			$	1,223			$	506			$	2,760			$	15,836			$	103,608
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer installment
Pass		$	1,539			$	1,047			$	381			$	112			$	36			$	3,284			$	-			$	6,399
Substandard			-				-				3				-				-				162				-				165
Total Consumer installment		$	1,539			$	1,047			$	384			$	112			$	36			$	3,446			$	-			$	6,564
Current-period gross charge-offs		$	-			$	-			$	2			$	6			$	-			$	30			$	-			$	38
Total Loans		$	153,526			$	254,581			$	260,086			$	182,142			$	111,764			$	321,137			$	236,378			$	1,519,614
Total Loans Summary
Pass		$	150,041			$	253,841			$	248,224			$	180,483			$	111,425			$	282,320			$	233,892			$	1,460,226
Special Mention			2,263				-				3,340				389				-				2,995				832				9,819
Substandard			1,222				740				8,522				1,270				339				35,822				1,654				49,569
Total Loans		$	153,526			$	254,581			$	260,086			$	182,142			$	111,764			$	321,137			$	236,378			$	1,519,614

December 31, 2023
Term Loans Amortized Cost Basis by Origination Year																										Revolving Amortized
(Dollar amounts in thousands)		2023				2022				2021				2020				2019				Prior				Cost Basis				Total
Commercial real estate:
Owner occupied
Pass		$	14,634			$	34,850			$	41,609			$	25,040			$	12,304			$	41,976			$	2,662			$	173,075
Special Mention			-				2,271				-				-				13				799				-				3,083
Substandard			-				2,356				-				1,559				146				3,326				-				7,387
Total Owner occupied		$	14,634			$	39,477			$	41,609			$	26,599			$	12,463			$	46,101			$	2,662			$	183,545
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	46			$	-			$	46
Non-owner occupied
Pass		$	43,393			$	95,098			$	40,959			$	22,707			$	32,405			$	127,469			$	504			$	362,535
Special Mention			-				2,508				-				-				-				2,197				-				4,705
Substandard			-				-				-				-				5,237				24,569				-				29,806
Doubtful			-				-				647				-				3,887				-				-				4,534
Total Non-owner occupied		$	43,393			$	97,606			$	41,606			$	22,707			$	41,529			$	154,235			$	504			$	401,580
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Multifamily
Pass		$	29,218			$	25,776			$	4,267			$	10,453			$	1,391			$	11,231			$	104			$	82,440
Substandard			-				-				-				-				-				66				-				66
Total Multifamily		$	29,218			$	25,776			$	4,267			$	10,453			$	1,391			$	11,297			$	104			$	82,506
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Residential real estate
Pass		$	50,086			$	56,180			$	78,909			$	39,476			$	19,418			$	82,441			$	672			$	327,182
Substandard			-				127				210				-				24				1,311				-				1,672
Total Residential real estate		$	50,086			$	56,307			$	79,119			$	39,476			$	19,442			$	83,752			$	672			$	328,854
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	108			$	-			$	108
Commercial and industrial
Pass		$	46,918			$	43,494			$	17,909			$	25,143			$	2,741			$	6,533			$	66,842			$	209,580
Special Mention			-				-				-				-				-				-				184				184
Substandard			13				15				-				353				124				876				10,367				11,748
Loss			-				-				-				-				-				(4	)			-				(4	)
Total Commercial and industrial		$	46,931			$	43,509			$	17,909			$	25,496			$	2,865			$	7,405			$	77,393			$	221,508
Current-period gross charge-offs		$	-			$	-			$	75			$	-			$	6			$	4			$	-			$	85
Home equity lines of credit
Pass		$	-			$	126			$	-			$	16			$	63			$	2,097			$	124,001			$	126,303
Substandard			-				105				-				36				29				583				762				1,515
Total Home equity lines of credit		$	-			$	231			$	-			$	52			$	92			$	2,680			$	124,763			$	127,818
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Construction and other
Pass		$	55,528			$	23,059			$	20,246			$	1,777			$	5,609			$	851			$	9,152			$	116,222
Special Mention			-				3,573				2,371				-				265				-				-				6,209
Substandard			-				-				420				-				1,770				-				484				2,674
Total Construction and other		$	55,528			$	26,632			$	23,037			$	1,777			$	7,644			$	851			$	9,636			$	125,105
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer installment
Pass		$	1,810			$	1,088			$	324			$	89			$	74			$	3,669			$	-			$	7,054
Substandard			-				7				-				-				-				153				-				160
Total Consumer installment		$	1,810			$	1,095			$	324			$	89			$	74			$	3,822			$	-			$	7,214
Current-period gross charge-offs		$	-			$	25			$	-			$	-			$	-			$	38			$	-			$	63
Total Loans		$	241,600			$	290,633			$	207,871			$	126,649			$	85,500			$	310,143			$	215,734			$	1,478,130
Total Loans Summary
Pass		$	241,587			$	279,671			$	204,223			$	124,701			$	74,005			$	276,267			$	203,937			$	1,404,391
Special Mention			-				8,352				2,371				-				278				2,996				184				14,181
Substandard			13				2,610				630				1,948				7,330				30,884				11,613				55,028
Doubtful			-				-				647				-				3,887				-				-				4,534
Loss			-				-				-				-				-				(4	)			-				(4	)
Total Loans		$	241,600			$	290,633			$	207,871			$	126,649			$	85,500			$	310,143			$	215,734			$	1,478,130

Schedule of Collateral Dependent Loans [Table Text Block]

		December 31, 2024
		Type of Collateral
(Dollar amounts in thousands)		Real Estate				Blanket Lien				Investment/Cash				Other				Total
Commercial real estate:
Owner occupied		$	3,198			$	-			$	-			$	-			$	3,198
Non-owner occupied			24,881				-				-				-				24,881
Residential real estate			617				-				-				-				617
Commercial and industrial			214				-				-				-				214
Construction and other			493				-				-				-				493
Total		$	29,403			$	-			$	-			$	-			$	29,403

		December 31, 2023
		Type of Collateral
(Dollar amounts in thousands)		Real Estate				Blanket Lien				Investment/Cash				Other				Total
Commercial real estate:
Non-owner occupied		$	8,150			$	-			$	-			$	-			$	8,150
Total		$	8,150			$	-			$	-			$	-			$	8,150

Financing Receivable, Past Due [Table Text Block]

						30-59 Days				60-89 Days				90 Days+				Total				Total
December 31, 2024		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	180,752			$	513			$	122			$	60			$	695			$	181,447
Non-owner occupied			402,942				1,355				-				8,012				9,367				412,291
Multifamily			89,756				93				-				-				93				89,849
Residential real estate			349,645				2,216				562				1,019				3,797				353,442
Commercial and industrial			226,669				81				2,284				-				2,365				229,034
Home equity lines of credit			142,484				366				102				427				895				143,379
Construction and other			103,115				-				-				493				493				103,608
Consumer installment			6,479				41				44				-				85				6,564
Total		$	1,501,824			$	4,665			$	3,114			$	10,011			$	17,790			$	1,519,614

						30-59 Days				60-89 Days				90 Days+				Total				Total
December 31, 2023		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	183,242			$	197			$	-			$	106			$	303			$	183,545
Non-owner occupied			397,964				3,616				-				-				3,616				401,580
Multifamily			82,440				-				-				66				66				82,506
Residential real estate			326,224				1,366				1,010				254				2,630				328,854
Commercial and industrial			221,304				-				146				58				204				221,508
Home equity lines of credit			126,894				447				180				297				924				127,818
Construction and other			125,040				65				-				-				65				125,105
Consumer installment			7,138				69				-				7				76				7,214
Total		$	1,470,246			$	5,760			$	1,336			$	788			$	7,884			$	1,478,130

Financing Receivable, Nonaccrual [Table Text Block]

		December 31, 2024
		Nonaccrual				Nonaccrual								Loans Past
(Dollar amounts in thousands)		with no				with				Total				Due Over 90 Days				Total
		ACL				ACL				Nonaccrual				Still Accruing				Nonperforming
Commercial real estate:
Owner occupied		$	974			$	301			$	1,275			$	-			$	1,275
Non-owner occupied			21,265				3,616				24,881				-				24,881
Residential real estate			617				1,377				1,994				-				1,994
Commercial and industrial			-				159				159				-				159
Home equity lines of credit			-				1,017				1,017				-				1,017
Construction and other			-				493				493				-				493
Consumer installment			162				3				165				-				165
Total		$	23,018			$	6,966			$	29,984			$	-			$	29,984

		December 31, 2023
		Nonaccrual				Nonaccrual								Loans Past
(Dollar amounts in thousands)		with no				with				Total				Due Over 90 Days				Total
		ACL				ACL				Nonaccrual				Still Accruing				Nonperforming
Commercial real estate:
Owner occupied		$	-			$	252			$	252			$	-			$	252
Non-owner occupied			4,534				3,616				8,150				-				8,150
Multifamily			-				66				66				-				66
Residential real estate			-				1,170				1,170				-				1,170
Commercial and industrial			-				223				223				-				223
Home equity lines of credit			-				856				856				-				856
Construction and other			-				-				-				-				-
Consumer installment			153				7				160				-				160
Total		$	4,687			$	6,190			$	10,877			$	-			$	10,877

Financing Receivable, Modified [Table Text Block]

		December 31, 2024
		Modifications
										Payment				Interest Rate				Interest Rate								Percentage of
										Deferral				Reduction				Reduction								Total Loans
		Payment				Term				and Term				and Term				and Principal								Held for
		Deferral				Extension				Extension				Past Due				Forgiveness				Total				Investment
Commercial real estate:
Non-owner occupied		$	-			$	8,414			$	13,151			$	-			$	-			$	21,565				1.4	%
Multifamily			-				707				-				-				-				707				4.7	%
Total		$	-			$	9,121			$	13,151			$	-			$	-			$	22,272				1.5	%

		December 31, 2023
		Modifications
										Payment				Interest Rate				Interest Rate								Percentage of
										Deferral				Reduction				Reduction								Total Loans
		Payment				Term				and Term				and Term				and Principal								Held for
		Deferral				Extension				Extension				Past Due				Forgiveness				Total				Investment
Commercial real estate:
Non-owner occupied		$	-			$	145			$	2,507			$	-			$	-			$	2,652				0.2	%
Residential real estate			-				19,074				-				-				-				19,074				1.4	%
Commercial and industrial			-				83				-				-				-				83				0.0	%
Consumer installment			-				8				-				-				-				8				0.0	%
Total		$	-			$	19,310			$	2,507			$	-			$	-			$	21,817				1.6	%

X

- Definition

Tabular disclosure of collateral dependent loans.

+ References

No definition available.

+ Details

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X

- Definition

The tabular disclosure for financing receivables, by segment.

+ References

No definition available.

+ Details

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

Reference 2: 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

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