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Note 4 - Allowance for Credit Losses (Tables)

3 Months Ended

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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Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

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+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

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