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Note 7 - Loans Receivable and Credit Disclosures (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2025				2024
Real estate - construction		$	61,738			$	59,281
Real estate - 1 to 4 family residential			310,829				309,704
Real estate - multi-family			199,609				200,209
Real estate - commercial			352,259				350,493
Real estate - agricultural			160,318				159,880
Commercial			93,374				90,023
Agricultural			129,361				134,157
Consumer and other			16,529				17,066
			1,324,017				1,320,813
Unallocated portfolio layer basis adjustments1			217				162
Less allowance for credit losses			(18,004	)			(17,058	)
Loans receivable, net		$	1,306,230			$	1,303,917

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

		Three Months Ended March 31, 2025
						1-4 Family
		Construction				Residential				Multi-family				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, December 31, 2024		$	482			$	3,890			$	2,188			$	4,932			$	1,584			$	1,759			$	1,805			$	418			$	17,058
Credit loss expense (benefit) 1			65				(40	)			(36	)			8				5				1,131				(131	)			(8	)			994
Recoveries of loans charged-off			-				-				-				-				-				1				-				1				2
Loans charged-off			(44	)			-				-				-				-				(5	)			-				(1	)			(50	)
Balance, March 31, 2025		$	503			$	3,850			$	2,152			$	4,940			$	1,589			$	2,886			$	1,674			$	410			$	18,004

		Three Months Ended March 31, 2024
						1-4 Family
		Construction				Residential				Multi-family				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, December 31, 2023		$	408			$	3,333			$	2,542			$	5,236			$	1,238			$	1,955			$	1,607			$	457			$	16,776
Credit loss expense (benefit) 1			45				(25	)			(5	)			258				(17	)			(43	)			(19	)			(22	)			172
Recoveries of loans charged-off			-				1				-				-				-				1				-				2				4
Loans charged-off			-				-				-				-				-				-				-				-				-
Balance, March 31, 2024		$	453			$	3,309			$	2,537			$	5,494			$	1,221			$	1,913			$	1,588			$	437			$	16,952

Financing Receivable, Amortized Cost [Table Text Block]

		Primary Type of Collateral
March 31, 2025		Real Estate				Equipment				Other				Total				ACL Allocation
Real estate - construction		$	-			$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			554				-				-				554				-
Real estate - multi-family			942				-				-				942				-
Real estate - commercial			11,406				-				-				11,406				-
Real estate - agricultural			415				-				-				415				-
Commercial			398				392				1,614				2,404				1,150
Agricultural			205				-				317				522				-
Consumer and other			-				-				2				2				-
		$	13,920			$	392			$	1,933			$	16,245			$	1,150

		Primary Type of Collateral
December 31, 2024		Real Estate				Equipment				Other				Total				ACL Allocation
Real estate - construction		$	62			$	-			$	-			$	62			$	-
Real estate - 1 to 4 family residential			696				-				-				696				40
Real estate - multi-family			947				-				-				947				-
Real estate - commercial			10,785				-				-				10,785				-
Real estate - agricultural			420				-				-				420				-
Commercial			460				398				405				1,263				50
Agricultural			213				-				357				570				-
Consumer and other			-				-				3				3				-
		$	13,583			$	398			$	765			$	14,746			$	90

Financing Receivable, Nonaccrual [Table Text Block]

		Total Nonaccrual								Nonaccrual with no ACL
		March 31, 2025				December 31, 2024				March 31, 2025				December 31, 2024
Real estate - construction		$	-			$	62			$	-			$	62
Real estate - 1 to 4 family residential			554				696				554				626
Real estate - multi-family			942				947				942				947
Real estate - commercial			11,389				10,768				11,389				10,768
Real estate - agricultural			415				420				415				420
Commercial			2,438				1,298				1,288				893
Agricultural			522				570				522				570
Consumer and other			9				11				2				3
		$	16,269			$	14,772			$	15,112			$	14,289

Financing Receivable, Past Due [Table Text Block]

2025						90 Days																90 Days
		30-89				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	374			$	-			$	374			$	61,364			$	61,738			$	-
Real estate - 1 to 4 family residential			4,015				118				4,133				306,696				310,829				-
Real estate - multi-family			444				-				444				199,165				199,609				-
Real estate - commercial			374				2,614				2,988				349,271				352,259				113
Real estate - agricultural			122				133				255				160,063				160,318				133
Commercial			1,291				-				1,291				92,083				93,374				-
Agricultural			2,333				-				2,333				127,028				129,361				-
Consumer and other			2				-				2				16,527				16,529				-
		$	8,955			$	2,865			$	11,820			$	1,312,197			$	1,324,017			$	246

2024						90 Days																90 Days
		30-89				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	-			$	63			$	63			$	59,218			$	59,281			$	-
Real estate - 1 to 4 family residential			1,744				204				1,948				307,756				309,704				23
Real estate - multi-family			-				-				-				200,209				200,209				-
Real estate - commercial			332				2,501				2,833				347,660				350,493				-
Real estate - agricultural			651				660				1,311				158,569				159,880				660
Commercial			288				356				644				89,379				90,023				-
Agricultural			68				53				121				134,036				134,157				53
Consumer and other			5				-				5				17,061				17,066				-
		$	3,088			$	3,837			$	6,925			$	1,313,888			$	1,320,813			$	736

Financing Receivable, Amortized Cost by Year of Origination [Table Text Block]

March 31, 2025		Amortized Cost Basis of Term Loans by Year of Origination
		2025				2024				2023				2022				2021				Prior				Revolving				Total
Real estate - construction
Pass		$	10,634			$	31,968			$	14,606			$	1,413			$	223			$	171			$	2,119			$	61,134
Watch			-				604				-				-				-				-				-				604
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			-				-				-				-				-				-				-				-
Total		$	10,634			$	32,572			$	14,606			$	1,413			$	223			$	171			$	2,119			$	61,738
Current-period gross charge-offs		$	-			$	44			$	-			$	-			$	-			$	-			$	-			$	44
Real estate - 1-4 family residential
Pass		$	13,220			$	44,400			$	42,801			$	65,748			$	51,040			$	56,123			$	20,881			$	294,213
Watch			285				1,046				1,109				89				9,549				1,157				81				13,316
Special Mention			286				-				-				640				-				-				-				926
Substandard			-				66				424				-				1,239				90				-				1,819
Substandard-Impaired			382				118				-				-				-				55				-				555
Total		$	14,173			$	45,630			$	44,334			$	66,477			$	61,828			$	57,425			$	20,962			$	310,829
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - multi-family
Pass		$	4,547			$	13,473			$	11,766			$	48,650			$	31,420			$	45,416			$	5,952			$	161,224
Watch			-				6,473				-				-				19,804				2,174				-				28,451
Special Mention			-				-				8,547				-				-				-				-				8,547
Substandard			-				-				-				-				-				444				-				444
Substandard-Impaired			943				-				-				-				-				-				-				943
Total		$	5,490			$	19,946			$	20,313			$	48,650			$	51,224			$	48,034			$	5,952			$	199,609
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - commercial
Pass		$	19,304			$	37,814			$	29,279			$	62,436			$	47,982			$	75,265			$	4,154			$	276,234
Watch			574				4,956				3,718				19,079				5,524				4,079				101				38,031
Special Mention			1,881				-				-				-				-				905				-				2,786
Substandard			6,910				-				-				-				15,834				1,000				75				23,819
Substandard-Impaired			504				821				7,562				2,502				-				-				-				11,389
Total		$	29,173			$	43,591			$	40,559			$	84,017			$	69,340			$	81,249			$	4,330			$	352,259
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - agricultural
Pass		$	8,502			$	18,002			$	16,645			$	26,397			$	27,643			$	41,668			$	2,647			$	141,504
Watch			4,816				2,184				1,036				1,038				1,499				5,131				-				15,704
Special Mention			-				-				-				-				-				-				-				-
Substandard			450				-				1,339				101				85				995				-				2,970
Substandard-Impaired			-				-				-				-				140				-				-				140
Total		$	13,768			$	20,186			$	19,020			$	27,536			$	29,367			$	47,794			$	2,647			$	160,318
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

March 31, 2025		Amortized Cost Basis of Term Loans by Year of Origination
		2025				2024				2023				2022				2021				Prior				Revolving				Total
Commercial
Pass		$	3,455			$	12,785			$	9,463			$	9,418			$	6,201			$	4,384			$	33,258			$	78,964
Watch			106				869				6,973				548				448				244				2,724				11,912
Special Mention			40				-				-				-				-				-				-				40
Substandard			-				-				-				21				-				-				-				21
Substandard-Impaired			391				1,485				34				-				-				63				464				2,437
Total		$	3,992			$	15,139			$	16,470			$	9,987			$	6,649			$	4,691			$	36,446			$	93,374
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	5			$	-			$	5
Agricultural
Pass		$	12,635			$	9,935			$	4,299			$	4,472			$	2,973			$	1,739			$	70,043			$	106,096
Watch			6,163				464				514				275				243				204				11,829				19,692
Special Mention			-				-				-				-				-				-				-				-
Substandard			314				1,395				136				78				43				360				990				3,316
Substandard-Impaired			-				-				50				-				207				-				-				257
Total		$	19,112			$	11,794			$	4,999			$	4,825			$	3,466			$	2,303			$	82,862			$	129,361
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer and other
Pass		$	1,550			$	4,546			$	4,127			$	2,203			$	1,826			$	2,240			$	9			$	16,501
Watch			-				13				-				-				-				-				-				13
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				4				-				-				-				-				4
Substandard-Impaired			-				1				1				2				-				7				-				11
Total		$	1,550			$	4,560			$	4,132			$	2,205			$	1,826			$	2,247			$	9			$	16,529
Current-period gross charge-offs		$	-			$	1			$	-			$	-			$	-			$	-			$	-			$	1
Total loans
Pass		$	73,847			$	172,923			$	132,986			$	220,737			$	169,308			$	227,006			$	139,063			$	1,135,870
Watch			11,944				16,609				13,350				21,029				37,067				12,989				14,735				127,723
Special Mention			2,207				-				8,547				640				-				905				-				12,299
Substandard			7,674				1,461				1,903				200				17,201				2,889				1,065				32,393
Substandard-Impaired			2,220				2,425				7,647				2,504				347				125				464				15,732
Total		$	97,892			$	193,418			$	164,433			$	245,110			$	223,923			$	243,914			$	155,327			$	1,324,017
Current-period gross charge-offs		$	-			$	45			$	-			$	-			$	-			$	5			$	-			$	50

December 31, 2024		Amortized Cost Basis of Term Loans by Year of Origination
		2024				2023				2022				2021				2020				Prior				Revolving				Total
Real estate - construction
Pass		$	37,743			$	16,689			$	1,640			$	228			$	11			$	161			$	1,991			$	58,463
Watch			756				-				-				-				-				-				-				756
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			62				-				-				-				-				-				-				62
Total		$	38,561			$	16,689			$	1,640			$	228			$	11			$	161			$	1,991			$	59,281
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - 1-4 family residential
Pass		$	46,850			$	44,736			$	66,864			$	52,746			$	41,574			$	18,767			$	21,325			$	292,862
Watch			1,233				1,212				91				9,535				1,003				303				95				13,472
Special Mention			-				-				639				-				289				-				-				928
Substandard			-				424				-				1,230				-				90				-				1,744
Substandard-Impaired			568				-				-				70				-				60				-				698
Total		$	48,651			$	46,372			$	67,594			$	63,581			$	42,866			$	19,220			$	21,420			$	309,704
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - multi-family
Pass		$	15,316			$	20,441			$	49,932			$	31,822			$	36,556			$	10,771			$	5,735			$	170,573
Watch			6,517				-				-				19,971				-				-				-				26,488
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				2,200				-				-				2,200
Substandard-Impaired			948				-				-				-				-				-				-				948
Total		$	22,781			$	20,441			$	49,932			$	51,793			$	38,756			$	10,771			$	5,735			$	200,209
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - commercial
Pass		$	37,014			$	30,228			$	71,779			$	51,164			$	53,722			$	26,685			$	3,995			$	274,587
Watch			4,749				5,429				14,982				5,484				6,005				548				241				37,438
Special Mention			-				-				-				-				2,893				-				-				2,893
Substandard			828				2,637				-				15,978				4,355				1,009				-				24,807
Substandard-Impaired			513				7,753				2,502				-				-				-				-				10,768
Total		$	43,104			$	46,047			$	89,263			$	72,626			$	66,975			$	28,242			$	4,236			$	350,493
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - agricultural
Pass		$	20,951			$	17,331			$	28,074			$	29,180			$	21,796			$	22,366			$	2,562			$	142,260
Watch			1,994				5,259				373				1,541				2,813				3,477				-				15,457
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				1,275				-				746				-				-				-				2,021
Substandard-Impaired			-				-				-				142				-				-				-				142
Total		$	22,945			$	23,865			$	28,447			$	31,609			$	24,609			$	25,843			$	2,562			$	159,880
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

December 31, 2024		Amortized Cost Basis of Term Loans by Year of Origination
		2024				2023				2022				2021				2020				Prior				Revolving				Total
Commercial
Pass		$	14,729			$	10,589			$	10,677			$	7,405			$	1,475			$	3,298			$	28,192			$	76,365
Watch			726				6,926				215				-				244				136				2,138				10,385
Special Mention			-				-				-				-				-				-				-				-
Substandard			1,150				-				24				-				-				-				800				1,974
Substandard-Impaired			782				45				-				1				-				65				406				1,299
Total		$	17,387			$	17,560			$	10,916			$	7,406			$	1,719			$	3,499			$	31,536			$	90,023
Current-period gross charge-offs		$	465			$	-			$	-			$	-			$	-			$	9			$	-			$	474
Agricultural
Pass		$	14,463			$	5,547			$	5,057			$	3,499			$	1,429			$	503			$	85,222			$	115,720
Watch			1,822				563				356				261				8				186				12,249				15,445
Special Mention			-				-				-				-				-				-				-				-
Substandard			1,159				-				-				72				380				-				1,113				2,724
Substandard-Impaired			-				54				-				214				-				-				-				268
Total		$	17,444			$	6,164			$	5,413			$	4,046			$	1,817			$	689			$	98,584			$	134,157
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer and other
Pass		$	5,845			$	4,451			$	2,435			$	1,931			$	1,608			$	758			$	11			$	17,039
Watch			15				-				-				-				-				-				-				15
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			1				-				3				-				8				-				-				12
Total		$	5,861			$	4,451			$	2,438			$	1,931			$	1,616			$	758			$	11			$	17,066
Current-period gross charge-offs		$	9			$	-			$	-			$	-			$	-			$	-			$	-			$	9
Total loans
Pass		$	192,911			$	150,012			$	236,458			$	177,975			$	158,171			$	83,309			$	149,033			$	1,147,869
Watch			17,812				19,389				16,017				36,792				10,073				4,650				14,723				119,456
Special Mention			-				-				639				-				3,182				-				-				3,821
Substandard			3,137				4,336				24				18,026				6,935				1,099				1,913				35,470
Substandard-Impaired			2,874				7,852				2,505				427				8				125				406				14,197
Total		$	216,734			$	181,589			$	255,643			$	233,220			$	178,369			$	89,183			$	166,075			$	1,320,813
Current-period gross charge-offs		$	474			$	-			$	-			$	-			$	-			$	9			$	-			$	483

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