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

6 Months Ended

Jun. 30, 2025

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

		June 30,				December 31,
(Dollar amounts in thousands)		2025 ⁽¹⁾⁽²⁾				2024 ⁽¹⁾⁽²⁾
Commercial real estate:
Owner occupied		$	196,645			$	181,447
Non-owner occupied			405,032				412,291
Multifamily			79,497				89,849
Residential real estate			357,217				353,442
Commercial and industrial			257,519				229,034
Home equity lines of credit			156,297				143,379
Construction and other			123,531				103,608
Consumer installment			6,187				6,564
Total loans			1,581,925				1,519,614
Less: Allowance for credit losses			(22,335	)			(22,447	)
Net loans		$	1,559,590			$	1,497,167

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

		For the Three Months Ended June 30, 2025
		Allowance for Credit Losses
(Dollar amounts in thousands)		Balance																Balance
		March 31, 2025				Charge-offs				Recoveries				Provision				June 30, 2025
Loans:
Commercial real estate:
Owner occupied		$	2,288			$	-			$	-			$	250			$	2,538
Non-owner occupied			5,098				(18	)			-				(452	)			4,628
Multifamily			1,168				-				-				(111	)			1,057
Residential real estate			5,650				-				-				151				5,801
Commercial and industrial			2,971				-				1				42				3,014
Home equity lines of credit			920				-				-				68				988
Construction and other			4,233				-				-				1				4,234
Consumer installment			73				-				35				(33	)			75
Total		$	22,401			$	(18	)		$	36			$	(84	)		$	22,335

		For the Three Months Ended June 30, 2024
		Allowance for Credit Losses
(Dollar amounts in thousands)		Balance																Balance
		March 31, 2024				Charge-offs				Recoveries				Provision				June 30, 2024
Loans:
Commercial real estate:
Owner occupied		$	2,060			$	-			$	-			$	(2	)		$	2,058
Non-owner occupied			7,768				-				-				213				7,981
Multifamily			1,204				-				-				64				1,268
Residential real estate			4,774				-				-				117				4,891
Commercial and industrial			2,038				-				8				384				2,430
Home equity lines of credit			785				-				-				28				813
Construction and other			2,373				-				-				(83	)			2,290
Consumer installment			67				(6	)			27				(24	)			64
Total		$	21,069			$	(6	)		$	35			$	697			$	21,795

		For the Six Months Ended June 30, 2025
		Allowance for Credit Losses
(Dollar amounts in thousands)		Balance																Balance
		December 31, 2024				Charge-offs				Recoveries				Provision				June 30, 2025
Loans:
Commercial real estate:
Owner occupied		$	2,100			$	-			$	13			$	425			$	2,538
Non-owner occupied			8,364				(18	)			7				(3,725	)			4,628
Multifamily			1,310				-				-				(253	)			1,057
Residential real estate			5,236				(1	)			36				530				5,801
Commercial and industrial			2,427				(5	)			170				422				3,014
Home equity lines of credit			897				(4	)			8				87				988
Construction and other			2,052				-				-				2,182				4,234
Consumer installment			61				(44	)			65				(7	)			75
Total		$	22,447			$	(72	)		$	299			$	(339	)		$	22,335

		For the Six Months Ended June 30, 2024
		Allowance for Credit Losses
(Dollar amounts in thousands)		Balance																Balance
		December 31, 2023				Charge-offs				Recoveries				Provision				June 30, 2024
Loans:
Commercial real estate:
Owner occupied		$	2,668			$	-			$	11			$	(621	)		$	2,058
Non-owner occupied			4,480				-				-				3,501				7,981
Multifamily			1,796				-				-				(528	)			1,268
Residential real estate			5,450				-				-				(559	)			4,891
Commercial and industrial			4,377				-				16				(1,963	)			2,430
Home equity lines of credit			750				(7	)			-				70				813
Construction and other			1,990				-				-				300				2,290
Consumer installment			182				(6	)			83				(195	)			64
Total		$	21,693			$	(13	)		$	110			$	5			$	21,795

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2025
Term Loans Amortized Cost Basis by Origination Year																										Revolving Amortized
(Dollar amounts in thousands)		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Commercial real estate:
Owner occupied
Pass		$	9,080			$	17,793			$	26,257			$	32,260			$	40,601			$	57,931			$	4,911			$	188,833
Special Mention			-				-				-				-				377				-				-				377
Substandard			-				912				-				4,510				-				2,013				-				7,435
Total Owner occupied		$	9,080			$	18,705			$	26,257			$	36,770			$	40,978			$	59,944			$	4,911			$	196,645
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-owner occupied
Pass		$	11,139			$	7,466			$	61,411			$	95,508			$	47,451			$	149,271			$	883			$	373,129
Special Mention			-				-				-				2,507				-				-				-				2,507
Substandard			-				-				-				-				635				28,761				-				29,396
Total Non-owner occupied		$	11,139			$	7,466			$	61,411			$	98,015			$	48,086			$	178,032			$	883			$	405,032
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	18			$	-			$	18
Multifamily
Pass		$	-			$	2,900			$	35,007			$	18,936			$	6,790			$	15,854			$	10			$	79,497
Total Multifamily		$	-			$	2,900			$	35,007			$	18,936			$	6,790			$	15,854			$	10			$	79,497
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Residential real estate
Pass		$	21,153			$	44,401			$	49,132			$	58,330			$	67,281			$	113,876			$	201			$	354,374
Substandard			-				-				162				451				634				1,596				-				2,843
Total Residential real estate		$	21,153			$	44,401			$	49,294			$	58,781			$	67,915			$	115,472			$	201			$	357,217
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	1			$	-			$	1
Commercial and industrial
Pass		$	27,957			$	47,381			$	35,594			$	23,110			$	8,999			$	21,814			$	89,903			$	254,758
Special Mention			-				-				-				-				-				125				833				958
Substandard			-				-				1,438				-				-				286				79				1,803
Total Commercial and industrial		$	27,957			$	47,381			$	37,032			$	23,110			$	8,999			$	22,225			$	90,815			$	257,519
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	5			$	-			$	5
Home equity lines of credit
Pass		$	-			$	244			$	92			$	160			$	-			$	2,383			$	152,193			$	155,072
Substandard			-				-				163				192				-				456				414				1,225
Total Home equity lines of credit		$	-			$	244			$	255			$	352			$	-			$	2,839			$	152,607			$	156,297
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	4			$	-			$	4
Construction and other
Pass		$	3,739			$	48,252			$	47,020			$	1,973			$	1,058			$	1,827			$	16,954			$	120,823
Special Mention			-				-				-				-				-				199				-				199
Substandard			-				-				491				-				-				846				1,172				2,509
Total Construction and other		$	3,739			$	48,252			$	47,511			$	1,973			$	1,058			$	2,872			$	18,126			$	123,531
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer installment
Pass		$	758			$	1,167			$	733			$	230			$	78			$	3,064			$	-			$	6,030
Substandard			-				-				-				-				-				157				-				157
Total Consumer installment		$	758			$	1,167			$	733			$	230			$	78			$	3,221			$	-			$	6,187
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	44			$	-			$	44
Total Loans		$	73,826			$	170,516			$	257,500			$	238,167			$	173,904			$	400,459			$	267,553			$	1,581,925
Total Loans Summary
Pass		$	73,826			$	169,604			$	255,246			$	230,507			$	172,258			$	366,020			$	265,055			$	1,532,516
Special Mention			-				-				-				2,507				377				324				833				4,041
Substandard			-				912				2,254				5,153				1,269				34,115				1,665				45,368
Total Loans		$	73,826			$	170,516			$	257,500			$	238,167			$	173,904			$	400,459			$	267,553			$	1,581,925

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

Schedule of Collateral Dependent Loans [Table Text Block]

		June 30, 2025
		Type of Collateral
(Dollar amounts in thousands)		Real Estate				Blanket Lien				Investment/Cash				Other				Total
Commercial real estate:
Owner occupied		$	3,258			$	-			$	-			$	-			$	3,258
Non-owner occupied			20,012				-				-				-				20,012
Residential real estate			617				-				-				-				617
Construction and other			490				-				-				-				490
Total		$	24,377			$	-			$	-			$	-			$	24,377

		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

Financing Receivable, Past Due [Table Text Block]

						30-59 Days				60-89 Days				90 Days+				Total				Total
(Dollar amounts in thousands)		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	196,243			$	280			$	-			$	122			$	402			$	196,645
Non-owner occupied			397,020				-				-				8,012				8,012				405,032
Multifamily			79,497				-				-				-				-				79,497
Residential real estate			353,880				1,539				848				950				3,337				357,217
Commercial and industrial			257,469				50				-				-				50				257,519
Home equity lines of credit			155,678				251				159				209				619				156,297
Construction and other			123,040				-				-				491				491				123,531
Consumer installment			6,139				8				40				-				48				6,187
Total		$	1,568,966			$	2,128			$	1,047			$	9,784			$	12,959			$	1,581,925

						30-59 Days				60-89 Days				90 Days+				Total				Total
(Dollar amounts in thousands)		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			402,924				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

Financing Receivable, Nonaccrual [Table Text Block]

		June 30, 2025
		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		$	1,034			$	-			$	1,034			$	-			$	1,034
Non-owner occupied			20,012				-				20,012				-				20,012
Residential real estate			617				1,813				2,430				-				2,430
Commercial and industrial			-				79				79				-				79
Home equity lines of credit			-				849				849				-				849
Construction and other			491				-				491				-				491
Consumer installment			157				-				157				-				157
Total		$	22,311			$	2,741			$	25,052			$	-			$	25,052

		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
Multifamily			-				-				-				-				-
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

Financing Receivable, Modified [Table Text Block]

		Three Months Ended June 30, 2025
		Modifications
										Payment				Interest Rate				Interest Rate								Percentage of
										Deferral				Reduction				Reduction								Total Loans
		Payment				Term				and Term				and Term				and Principal								Held for
(Dollar amounts in thousands)		Deferral				Extension				Extension				Extension				Forgiveness				Total				Investment
Commercial real estate:
Owner occupied		$	-			$	300			$	-			$	-			$	-			$	300				0.0	%
Residential real estate			57				-				-				-				-				57				0.0	%
Construction and other			-				2,018				-				-				-				2,018				0.1	%
Total		$	-			$	2,318			$	-			$	-			$	-			$	2,375				0.2	%

		For the Six Months Ended June 30, 2025
		Modifications
										Payment				Interest Rate				Interest Rate								Percentage of
										Deferral				Reduction				Reduction								Total Loans
		Payment				Term				and Term				and Term				and Principal								Held for
(Dollar amounts in thousands)		Deferral				Extension				Extension				Extension				Forgiveness				Total				Investment
Commercial real estate:
Owner occupied		$	-			$	300			$	-			$	-			$	-			$	300				0.0	%
Residential real estate			57				-				-				-				-				57				0.0	%
Commercial and industrial			-				889				-				-				-				889				0.1	%
Home equity lines of credit			-				100				-				-				-				100				0.0	%
Construction and other			-				2,018				-				-				-				2,018				0.1	%
Total		$	57			$	3,307			$	-			$	-			$	-			$	3,364				0.2	%

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Tabular disclosure of financing receivable on nonaccrual status.

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Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

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