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v3.25.1

Note 7 - Loans and Related Allowance for Credit Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Beginning balance | $ 22,447 | [1],[2] | $ 21,693 | $ 21,693 |
Charge-offs | (54) |  | (7) |  |
Recoveries | 263 |  | 75 |  |
Provision | (255) |  | (692) |  |
Ending balance | 22,401 | [1],[2] | 21,069 | 22,447 | [1],[2]
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loan [Member] |  |  |  |  |
Beginning balance | 2,100 |  | 2,668 | 2,668 |
Charge-offs | 0 |  | 0 | (45) |
Recoveries | 13 |  | 11 |  |
Provision | 175 |  | (619) |  |
Ending balance | 2,288 |  | 2,060 | 2,100 |
Commercial Real Estate Portfolio Segment [Member] | Non-owner occupied Loan [Member] |  |  |  |  |
Beginning balance | 8,364 |  | 4,480 | 4,480 |
Charge-offs | 0 |  | 0 | (1,341) |
Recoveries | 7 |  | 0 |  |
Provision | (3,273) |  | 3,288 |  |
Ending balance | 5,098 |  | 7,768 | 8,364 |
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] |  |  |  |  |
Beginning balance | 1,310 |  | 1,796 | 1,796 |
Charge-offs | 0 |  | 0 | 0 |
Recoveries | 0 |  | 0 |  |
Provision | (142) |  | (592) |  |
Ending balance | 1,168 |  | 1,204 | 1,310 |
Residential Portfolio Segment [Member] |  |  |  |  |
Beginning balance | 5,236 |  | 5,450 | 5,450 |
Charge-offs | (1) |  | 0 | 0 |
Recoveries | 36 |  | 0 |  |
Provision | 379 |  | (676) |  |
Ending balance | 5,650 |  | 4,774 | 5,236 |
Commercial And Industrial [Member] |  |  |  |  |
Beginning balance | 2,427 |  | 4,377 | 4,377 |
Charge-offs | (5) |  | 0 | (215) |
Recoveries | 169 |  | 8 |  |
Provision | 380 |  | (2,347) |  |
Ending balance | 2,971 |  | 2,038 | 2,427 |
Home Equity Lines of Credit [Member] |  |  |  |  |
Beginning balance | 897 |  | 750 | 750 |
Charge-offs | (4) |  | (7) | (7) |
Recoveries | 8 |  | 0 |  |
Provision | 19 |  | 42 |  |
Ending balance | 920 |  | 785 | 897 |
Construction and Other [Member] |  |  |  |  |
Beginning balance | 2,052 |  | 1,990 | 1,990 |
Charge-offs | 0 |  | 0 | 0 |
Recoveries | 0 |  | 0 |  |
Provision | 2,181 |  | 383 |  |
Ending balance | 4,233 |  | 2,373 | 2,052 |
Consumer Portfolio Segment [Member] |  |  |  |  |
Beginning balance | 61 |  | 182 | 182 |
Charge-offs | (44) |  | 0 | (38) |
Recoveries | 30 |  | 56 |  |
Provision | 26 |  | (171) |  |
Ending balance | $ 73 |  | $ 67 | $ 61 |
[1] | Accrued interest of $5.5 million and $5.5 million at March 31, 2025 and December 31, 2024, respectively, is excluded from amortized cost and presented in "accrued interest receivable and other assets" on the Consolidated Balance Sheets.
[2] | Unearned income, including net deferred loan fees and costs and unamortized premiums and discounts, totaled $7.7 million and $8.2 million at March 31, 2025 and December 31, 2024, respectively.

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