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Note 4 - Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2025
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | June 30, 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 | ) |  |  | (44 | ) |  |  | (7 | ) |  |  | (2,663 | ) |  |  | (289 | ) |  |  | (3,025 | )
Recoveries |  |  | 1 |  |  |  | 20 |  |  |  | 3 |  |  |  | 74 |  |  |  | 78 |  |  |  | 176 |
Provision for (recovery of) credit losses on loans |  |  | (68 | ) |  |  | 920 |  |  |  | (1,611 | ) |  |  | 2,102 |  |  |  | 292 |  |  |  | 1,635 |
Ending Balance, June 30, 2025 |  | $ | 496 |  |  | $ | 5,162 |  |  | $ | 5,847 |  |  | $ | 3,440 |  |  | $ | 241 |  |  | $ | 15,186 |
Ending Balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,240 |  |  |  | — |  |  |  | 2,240 |
Collectively evaluated |  |  | 496 |  |  |  | 5,162 |  |  |  | 5,847 |  |  |  | 1,200 |  |  |  | 241 |  |  |  | 12,946 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance |  | $ | 78,169 |  |  | $ | 544,162 |  |  | $ | 680,063 |  |  | $ | 120,700 |  |  | $ | 19,928 |  |  | $ | 1,443,022 |
Individually evaluated |  |  | 48 |  |  |  | 2,218 |  |  |  | 932 |  |  |  | 3,597 |  |  |  | 1 |  |  |  | 6,796 |
Collectively evaluated |  |  | 78,121 |  |  |  | 541,944 |  |  |  | 679,131 |  |  |  | 117,103 |  |  |  | 19,927 |  |  |  | 1,436,226 |
|  | 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 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,079 |  |  |  | — |  |  |  | 3,079 |
Collectively evaluated |  |  | 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 |  |  | 50 |  |  |  | 2,148 |  |  |  | — |  |  |  | 4,773 |  |  |  | — |  |  |  | 6,971 |
Collectively evaluated |  |  | 84,430 |  |  |  | 545,019 |  |  |  | 672,162 |  |  |  | 136,560 |  |  |  | 21,453 |  |  |  | 1,459,624 |
|  | June 30, 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 | ) |  |  | — |  |  |  | (759 | ) |  |  | (161 | ) |  |  | (934 | )
Recoveries |  |  | — |  |  |  | 5 |  |  |  | 1 |  |  |  | 16 |  |  |  | 67 |  |  |  | 89 |
Provision for (recovery of) credit losses on loans |  |  | 39 |  |  |  | (466 | ) |  |  | 141 |  |  |  | 1,596 |  |  |  | 114 |  |  |  | 1,424 |
Ending Balance, June 30, 2024 |  | $ | 347 |  |  | $ | 2,688 |  |  | $ | 4,840 |  |  | $ | 4,559 |  |  | $ | 119 |  |  | $ | 12,553 |
Ending Balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,750 |  |  |  | — |  |  |  | 3,750 |
Collectively evaluated |  |  | 347 |  |  |  | 2,688 |  |  |  | 4,840 |  |  |  | 809 |  |  |  | 119 |  |  |  | 8,803 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance |  | $ | 60,919 |  |  | $ | 346,977 |  |  | $ | 449,768 |  |  | $ | 116,299 |  |  | $ | 16,013 |  |  | $ | 989,976 |
Individually evaluated |  |  | 36 |  |  |  | 749 |  |  |  | — |  |  |  | 7,845 |  |  |  | — |  |  |  | 8,630 |
Collectively evaluated |  |  | 60,883 |  |  |  | 346,228 |  |  |  | 449,768 |  |  |  | 108,454 |  |  |  | 16,013 |  |  |  | 981,346 |
Financing Receivable, Nonaccrual [Table Text Block] |
|  | June 30, 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 |  | $ | 48 |  |  | $ | — |  |  | $ | 48 |  |  | $ | 50 |  |  | $ | — |  |  | $ | 50 |
Secured by 1-4 family residential |  |  | 2,218 |  |  |  | — |  |  |  | 2,218 |  |  |  | 2,148 |  |  |  | — |  |  |  | 2,148 |
Other real estate loans |  |  | 932 |  |  |  | — |  |  |  | 932 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 46 |  |  |  | 3,551 |  |  |  | 3,597 |  |  |  | 237 |  |  |  | 4,536 |  |  |  | 4,773 |
Consumer and other loans |  |  | 1 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 3,245 |  |  | $ | 3,551 |  |  | $ | 6,796 |  |  | $ | 2,435 |  |  | $ | 4,536 |  |  | $ | 6,971 |
Financing Receivable, Collateral Dependent Loans [Table Text Block] |
|  | June 30, 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 |  |  | 1,045 |  |  |  | — |  |  |  | 1,045 |  |  |  | 703 |  |  |  | — |  |  |  | 703 |
Total |  | $ | 1,063 |  |  | $ | — |  |  | $ | 1,063 |  |  | $ | 703 |  |  | $ | — |  |  | $ | 703 |

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