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Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		2024				2023
Real estate loans:
Construction and land development		$	84,480			$	52,680
Secured by 1-4 family residential			547,167				344,369
Other real estate			672,162				447,272
Commercial and industrial loans			141,333				113,074
Consumer and other loans			21,453				12,035
Total loans, net of deferred origination costs/fees		$	1,466,595			$	969,430
Allowance for credit losses			(16,400	)			(11,974	)
Loans, net		$	1,450,195			$	957,456

Financing Receivable, Past Due [Table Text Block]

		December 31, 2024
		30-59 Days Past Due				60-89 Days Past Due				>90 Days Past Due				Total Past Due				Current				Total Loans				Non-Accrual Loans				90 Days or More Past Due and Accruing
Real estate loans:
Construction and land development		$	56			$	26			$	23			$	105			$	84,375			$	84,480			$	50			$	23
1-4 family residential			2,192				210				54				2,456				544,711				547,167				2,148				54
Other real estate			12				41				—				53				672,109				672,162				—				—
Commercial and industrial			145				373				288				806				140,527				141,333				4,773				288
Consumer and other loans			31				—				—				31				21,422				21,453				—				—
Total		$	2,436			$	650			$	365			$	3,451			$	1,463,144			$	1,466,595			$	6,971			$	365

		December 31, 2023
		30-59 Days Past Due				60-89 Days Past Due				>90 Days Past Due				Total Past Due				Current				Total Loans				Non-Accrual Loans				90 Days or More Past Due and Accruing
Real estate loans:
Construction and land development		$	183			$	4			$	38			$	225			$	52,455			$	52,680			$	38			$	—
1-4 family residential			1,364				350				392				2,106				342,263				344,369				495				245
Other real estate			—				—				82				82				447,190				447,272				—				82
Commercial and industrial			252				316				197				765				112,309				113,074				6,230				197
Consumer and other loans			33				—				—				33				12,002				12,035				—				—
Total		$	1,832			$	670			$	709			$	3,211			$	966,219			$	969,430			$	6,763			$	524

Financing Receivable, Purchased with Credit Deterioration [Table Text Block]

		Acquired Loans - Purchased Performing
(Dollars in thousands)		2024				2023
Outstanding principal balance		$	603,046			$	164,028
Carrying amount
Real estate loans:
Construction and land development		$	15,810			$	7,851
Secured by 1-4 family residential			234,004				36,290
Other real estate loans			291,805				94,882
Commercial and industrial loans			40,885				19,611
Consumer and other loans			6,268				3,451
Total acquired loans		$	588,772			$	162,085

Financing Receivable Credit Quality Indicators [Table Text Block]

		December 31, 2024
		Term Loans by Year of Origination
		2024				2023				2022				2021				2020				Prior				Revolving				Total
Construction and land development
Pass		$	4,419			$	5,401			$	2,421			$	5,811			$	4,424			$	5,419			$	56,509			$	84,404
Special Mention			26				—				—				—				—				—				—				26
Substandard			—				—				—				18				—				32				—				50
Doubtful			—				—				—				—				—				—				—				—
Total Construction and land development		$	4,445			$	5,401			$	2,421			$	5,829			$	4,424			$	5,451			$	56,509			$	84,480
Current period gross write-offs		$	—			$	—			$	—			$	—			$	—			$	4			$	—			$	4
Secured by 1-4 family residential
Pass		$	32,609			$	69,884			$	113,535			$	99,470			$	49,250			$	115,032			$	64,740			$	544,520
Special Mention			120				—				—				—				—				83				—				203
Substandard			—				32				252				317								1,843				—				2,444
Doubtful			—				—				—				—				—				—				—				—
Total Secured by 1-4 family residential		$	32,729			$	69,916			$	113,787			$	99,787			$	49,250			$	116,958			$	64,740			$	547,167
Current period gross write-offs		$	20			$	—			$	—			$	—			$	—			$	18			$	—			$	38
Other real estate loans
Pass		$	64,958			$	83,725			$	142,077			$	120,012			$	48,238			$	192,869			$	15,531			$	667,410
Special Mention			318				—				—				—				—				4,072				—				4,390
Substandard			—				—				—				—				—				362				—				362
Doubtful			—				—				—				—				—				—				—				—
Total Other real estate loans		$	65,276			$	83,725			$	142,077			$	120,012			$	48,238			$	197,303			$	15,531			$	672,162
Current period gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and industrial
Pass		$	24,270			$	24,835			$	21,819			$	23,086			$	3,583			$	12,815			$	22,627			$	133,035
Special Mention			430				—				1,211				—				—				513				—				2,154
Substandard			615				737				3,699				647								446				—				6,144
Doubtful			—				—				—				—				—				—				—				—
Total Commercial and industrial		$	25,315			$	25,572			$	26,729			$	23,733			$	3,583			$	13,774			$	22,627			$	141,333
Current period gross write-offs		$	110			$	1,275			$	772			$	1,519			$	20			$	3			$	—			$	3,699
Consumer and other loans
Pass		$	5,129			$	1,697			$	1,437			$	130			$	1,306			$	2,566			$	8,917			$	21,182
Special Mention			—				270				—				—				—				—				—				270
Substandard			—				—				—				—				—				1				—				1
Doubtful			—				—				—				—				—				—				—				—
Total Consumer and other loans		$	5,129			$	1,967			$	1,437			$	130			$	1,306			$	2,567			$	8,917			$	21,453
Current period gross write-offs		$	249			$	29			$	9			$	3			$	1			$	2			$	—			$	293

		December 31, 2023
		Term Loans by Year of Origination
		2024				2023				2022				2021				2020				Prior				Revolving				Total
Construction and land development
Pass		$	2,477			$	2,925			$	4,350			$	3,450			$	2,085			$	2,859			$	34,496			$	52,642
Special Mention			—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				38				—				38
Doubtful			—				—				—				—				—				—				—				—
Total Construction and land development		$	2,477			$	2,925			$	4,350			$	3,450			$	2,085			$	2,897			$	34,496			$	52,680
Current period gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Secured by 1-4 family residential
Pass		$	43,029			$	77,196			$	64,063			$	41,192			$	31,509			$	76,295			$	10,303			$	343,587
Special Mention			—				—				—				—				—				—				—				—
Substandard			—				98				19				—				—				665				—				782
Doubtful			—				—				—				—				—				—				—				—
Total Secured by 1-4 family residential		$	43,029			$	77,294			$	64,082			$	41,192			$	31,509			$	76,960			$	10,303			$	344,369
Current period gross write-offs		$	—			$	59			$	—			$	—			$	—			$	—			$	—			$	59
Other real estate loans
Pass		$	51,560			$	94,666			$	90,089			$	41,186			$	36,747			$	122,755			$	10,269			$	447,272
Special Mention			—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—
Total Other real estate loans		$	51,560			$	94,666			$	90,089			$	41,186			$	36,747			$	122,755			$	10,269			$	447,272
Current period gross write-offs		$	—			$	—			$	—			$	—			$	—			$	34			$	—			$	34
Commercial and industrial
Pass		$	22,086			$	26,755			$	20,352			$	4,102			$	4,448			$	8,276			$	20,825			$	106,844
Special Mention			—				—				—				—				—				—				—				—
Substandard			58				3,757				1,453				—				167				795				—				6,230
Doubtful			—				—				—				—				—				—				—				—
Total Commercial and industrial		$	22,144			$	30,512			$	21,805			$	4,102			$	4,615			$	9,071			$	20,825			$	113,074
Current period gross write-offs		$	315			$	1,121			$	1,139			$	624			$	—			$	253			$	—			$	3,452
Consumer and other loans
Pass		$	3,021			$	1,203			$	311			$	1,471			$	2,172			$	14			$	3,843			$	12,035
Special Mention			—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—
Total Consumer and other loans		$	3,021			$	1,203			$	311			$	1,471			$	2,172			$	14			$	3,843			$	12,035
Current period gross write-offs		$	366			$	57			$	4			$	15			$	3			$	3			$	—			$	448

Touchstone Bankshares, Inc [Member]

Notes Tables

Business Combination, Acquired Loans [Table Text Block]

PCD Loans:	2024
Book value of acquired loans at acquisition	$	13,050
Initial ACL at acquisition		386
Non-credit discount at acquisition		1,413
Purchase Price	$	14,849
Non-PCD Loans:
Fair Value	$	467,891
Gross contractual amounts receivable	$	479,591
Estimate of contractual cash flows not expected to be collected	$	8,138

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