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Note 4 - Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | March 31, 2025 |
|  | Construction and Land Development |  |  | Secured by 1-4 Family Residential |  |  | Other Real Estate |  |  | Commercial and Industrial |  |  | Consumer and Other Loans |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2024 |  | $ | 585 |  |  | $ | 4,266 |  |  | $ | 7,462 |  |  | $ | 3,927 |  |  | $ | 160 |  |  | $ | 16,400 |
Charge-offs |  |  | (22 | ) |  |  | (3 | ) |  |  | — |  |  |  | (2,343 | ) |  |  | (122 | ) |  |  | (2,490 | )
Recoveries |  |  | — |  |  |  | 3 |  |  |  | 1 |  |  |  | 33 |  |  |  | 53 |  |  |  | 90 |
Provision for (recovery of) credit losses on loans |  |  | (7 | ) |  |  | 972 |  |  |  | (1,755 | ) |  |  | 1,388 |  |  |  | 137 |  |  |  | 735 |
Ending Balance, March 31, 2025 |  | $ | 556 |  |  | $ | 5,238 |  |  | $ | 5,708 |  |  | $ | 3,005 |  |  | $ | 228 |  |  | $ | 14,735 |
Ending Balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,609 |  |  |  | — |  |  |  | 1,609 |
Collectively evaluated |  |  | 556 |  |  |  | 5,238 |  |  |  | 5,708 |  |  |  | 1,396 |  |  |  | 228 |  |  |  | 13,126 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance |  | $ | 81,596 |  |  | $ | 549,502 |  |  | $ | 665,682 |  |  | $ | 132,396 |  |  | $ | 20,774 |  |  | $ | 1,449,950 |
Individually evaluated |  |  | 75 |  |  |  | 2,071 |  |  |  | — |  |  |  | 2,662 |  |  |  | — |  |  |  | 4,808 |
Collectively evaluated |  |  | 81,521 |  |  |  | 547,431 |  |  |  | 665,682 |  |  |  | 129,734 |  |  |  | 20,774 |  |  |  | 1,445,142 |
|  | December 31, 2024 |
|  | Construction and Land Development |  |  | Secured by 1-4 Family Residential |  |  | Other Real Estate |  |  | Commercial and Industrial |  |  | Consumer and Other Loans |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2023 |  | $ | 312 |  |  | $ | 3,159 |  |  | $ | 4,698 |  |  | $ | 3,706 |  |  | $ | 99 |  |  | $ | 11,974 |
Initial Allowance on PCD Touchstone loans |  |  | 11 |  |  |  | 173 |  |  |  | 201 |  |  |  | 1 |  |  |  | — |  |  |  | 386 |
Charge-offs |  |  | (4 | ) |  |  | (38 | ) |  |  | — |  |  |  | (3,699 | ) |  |  | (293 | ) |  |  | (4,034 | )
Recoveries |  |  | — |  |  |  | 22 |  |  |  | 3 |  |  |  | 111 |  |  |  | 148 |  |  |  | 284 |
Initial Provision on Non-PCD Touchstone loans |  |  | 118 |  |  |  | 1,310 |  |  |  | 1,370 |  |  |  | 143 |  |  |  | 888 |  |  |  | 3,829 |
Provision for (recovery of) credit losses on loans |  |  | 148 |  |  |  | (360 | ) |  |  | 1,190 |  |  |  | 3,665 |  |  |  | (682 | ) |  |  | 3,961 |
Ending Balance, December 31, 2024 |  | $ | 585 |  |  | $ | 4,266 |  |  | $ | 7,462 |  |  | $ | 3,927 |  |  | $ | 160 |  |  | $ | 16,400 |
Ending Balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,079 |  |  |  | — |  |  |  | 3,079 |
Collectively evaluated for impairment |  |  | 585 |  |  |  | 4,266 |  |  |  | 7,462 |  |  |  | 848 |  |  |  | 160 |  |  |  | 13,321 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance |  | $ | 84,480 |  |  | $ | 547,167 |  |  | $ | 672,162 |  |  | $ | 141,333 |  |  | $ | 21,453 |  |  | $ | 1,466,595 |
Individually evaluated for impairment |  |  | 50 |  |  |  | 2,148 |  |  |  | — |  |  |  | 4,773 |  |  |  | — |  |  |  | 6,971 |
Collectively evaluated for impairment |  |  | 84,430 |  |  |  | 545,019 |  |  |  | 672,162 |  |  |  | 136,560 |  |  |  | 21,453 |  |  |  | 1,459,624 |
|  | March 31, 2024 |
|  | Construction and Land Development |  |  | Secured by 1-4 Family Residential |  |  | Other Real Estate |  |  | Commercial and Industrial |  |  | Consumer and Other Loans |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2023 |  | $ | 312 |  |  | $ | 3,159 |  |  | $ | 4,698 |  |  | $ | 3,706 |  |  | $ | 99 |  |  | $ | 11,974 |
Charge-offs |  |  | (4 | ) |  |  | (10 | ) |  |  | — |  |  |  | (317 | ) |  |  | (83 | ) |  |  | (414 | )
Recoveries |  |  | — |  |  |  | 4 |  |  |  | 1 |  |  |  | 6 |  |  |  | 41 |  |  |  | 52 |
Provision for (recovery of) credit losses on loans |  |  | 47 |  |  |  | (396 | ) |  |  | 225 |  |  |  | 1,098 |  |  |  | 17 |  |  |  | 991 |
Ending Balance, March 31, 2024 |  | $ | 355 |  |  | $ | 2,757 |  |  | $ | 4,924 |  |  | $ | 4,493 |  |  | $ | 74 |  |  | $ | 12,603 |
Ending Balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,569 |  |  |  | — |  |  |  | 3,569 |
Collectively evaluated for impairment |  |  | 355 |  |  |  | 2,757 |  |  |  | 4,924 |  |  |  | 924 |  |  |  | 74 |  |  |  | 9,034 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance |  | $ | 53,364 |  |  | $ | 347,014 |  |  | $ | 445,085 |  |  | $ | 113,562 |  |  | $ | 13,949 |  |  | $ | 972,974 |
Individually evaluated for impairment |  |  | 37 |  |  |  | 772 |  |  |  | — |  |  |  | 7,202 |  |  |  | — |  |  |  | 8,011 |
Collectively evaluated for impairment |  |  | 53,327 |  |  |  | 346,242 |  |  |  | 445,085 |  |  |  | 106,360 |  |  |  | 13,949 |  |  |  | 964,963 |
Financing Receivable, Nonaccrual [Table Text Block] |
|  | March 31, 2025 |  |  | December 31, 2024 |
|  | Nonaccrual Loans with No Allowance |  |  | Nonaccrual loans with an Allowance |  |  | Total Nonaccrual Loans |  |  | Nonaccrual Loans with No Allowance |  |  | Nonaccrual loans with an Allowance |  |  | Total Nonaccrual Loans |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 75 |  |  | $ | — |  |  | $ | 75 |  |  | $ | 50 |  |  | $ | — |  |  | $ | 50 |
Secured by 1-4 family residential |  |  | 2,126 |  |  |  | — |  |  |  | 2,126 |  |  |  | 2,148 |  |  |  | — |  |  |  | 2,148 |
Commercial and industrial |  |  | — |  |  |  | 2,662 |  |  |  | 2,662 |  |  |  | 237 |  |  |  | 4,536 |  |  |  | 4,773 |
Consumer and other loans |  |  | 1 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 2,202 |  |  | $ | 2,662 |  |  | $ | 4,864 |  |  | $ | 2,435 |  |  | $ | 4,536 |  |  | $ | 6,971 |
Financing Receivable, Collateral Dependent Loans [Table Text Block] |
|  | March 31, 2025 |  |  | December 31, 2024 |
(Dollars in thousands) |  | Real Estate Secured |  |  | Non-Real Estate Secured |  |  | Total Collateral-Dependent Loans |  |  | Real Estate Secured |  |  | Non-Real Estate Secured |  |  | Total Collateral-Dependent Loans |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development |  | $ | 18 |  |  | $ | — |  |  | $ | 18 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Secured by 1-4 family residential |  |  | 1,058 |  |  |  | — |  |  |  | 1,058 |  |  |  | 703 |  |  |  | — |  |  |  | 703 |
Total |  | $ | 1,076 |  |  | $ | — |  |  | $ | 1,076 |  |  | $ | 703 |  |  | $ | — |  |  | $ | 703 |

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