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Note 4 - Allowance for Credit Losses (Tables)

6 Months Ended

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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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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