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Note 4 - Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		September 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	)			(3,586	)			(393	)			(4,052	)
Recoveries			3				26				12				101				122				264
Provision for (recovery of) credit losses on loans			(67	)			676				(1,577	)			2,458				345				1,835
Ending Balance, September 30, 2025		$	499			$	4,924			$	5,890			$	2,900			$	234			$	14,447
Ending Balance:
Individually evaluated			—				—				—				1,629				—				1,629
Collectively evaluated			499				4,924				5,890				1,271				234				12,818
Loans:
Ending Balance		$	78,470			$	533,458			$	684,535			$	117,412			$	19,322			$	1,433,197
Individually evaluated			47				2,060				921				2,627				—				5,655
Collectively evaluated			78,423				531,398				683,614				114,785				19,322				1,427,542

		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

		September 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	)			—				(2,355	)			(232	)			(2,601	)
Recoveries			—				8				2				67				108				185
Provision for (recovery of) credit losses on loans			83				(313	)			422				2,805				149				3,146
Ending Balance, September 30, 2024		$	391			$	2,844			$	5,122			$	4,223			$	124			$	12,704
Ending Balance:
Individually evaluated			—				—				—				3,377				—				3,377
Collectively evaluated			391				2,844				5,122				846				124				9,327
Loans:
Ending Balance		$	61,446			$	351,004			$	449,746			$	114,823			$	17,701			$	994,720
Individually evaluated			34				836				—				5,123				—				5,993
Collectively evaluated			61,412				350,168				449,746				109,700				17,701				988,727

Financing Receivable, Nonaccrual [Table Text Block]

		September 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		$	46			$	—			$	46			$	50			$	—			$	50
Secured by 1-4 family residential			2,107				—				2,107				2,148				—				2,148
Other real estate loans			921				—				921				—				—				—
Commercial and industrial			—				2,627				2,627				237				4,536				4,773
Consumer and other loans			1				—				1				—				—				—
Total		$	3,075			$	2,627			$	5,702			$	2,435			$	4,536			$	6,971

Financing Receivable, Collateral Dependent Loans [Table Text Block]

		September 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		$	968			$	—			$	968			$	—			$	—			$	—
Secured by 1-4 family residential			2,107				—				2,107				703				—				703
Total		$	3,075			$	—			$	3,075			$	703			$	—			$	703

Financing Receivable, Modified [Table Text Block]

		Interest Rate Reduction
(Dollars in thousands)		Amortized Cost Basis				% of Total Loan Type			Financial Effect
Commercial and industrial		$	188				0.16	%	Interest rate reduced by 4%
Total		$	188				0.16	%

		Payment deferral
(Dollars in thousands)		Amortized Cost Basis				% of Total Loan Type			Financial Effect
Commercial and industrial		$	1,682				0.17	%	Payment deferral of three months
Total		$	1,682				0.17	%

		Interest Rate Reduction
(Dollars in thousands)		Amortized Cost Basis				% of Total Loan Type			Financial Effect
Commercial and industrial		$	380				0.01	%	Interest rate reduced by up to 4%
Total		$	380				0.01	%

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