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Note 6 - Loans Receivable and Credit Disclosures (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2025				2024
Real estate - construction		$	57,304			$	59,281
Real estate - 1 to 4 family residential			312,570				309,704
Real estate - multi-family			204,409				200,209
Real estate - commercial			321,009				350,493
Real estate - agricultural			159,845				159,880
Commercial			97,129				90,023
Agricultural			126,425				134,157
Consumer and other			17,730				17,066
			1,296,421				1,320,813
Unallocated portfolio layer basis adjustments1			194				162
Less allowance for credit losses			(16,971	)			(17,058	)
Loans receivable, net		$	1,279,644			$	1,303,917

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

		Three Months Ended June 30, 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, March 31, 2025		$	503			$	3,850			$	2,152			$	4,940			$	1,589			$	2,886			$	1,674			$	410			$	18,004
Credit loss expense (benefit) 1			(23	)			32				69				(432	)			(16	)			109				317				19				75
Recoveries of loans charged-off			1				-				-				-				-				2				-				-				3
Loans charged-off			-				(2	)			-				-				-				(1,109	)			-				-				(1,111	)
Balance, June 30, 2025		$	481			$	3,880			$	2,221			$	4,508			$	1,573			$	1,888			$	1,991			$	429			$	16,971

		Six Months Ended June 30, 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			42				(8	)			33				(424	)			(11	)			1,240				186				11				1,069
Recoveries of loans charged-off			1				-				-				-				-				3				-				1				5
Loans charged-off			(44	)			(2	)			-				-				-				(1,114	)			-				(1	)			(1,161	)
Balance, June 30, 2025		$	481			$	3,880			$	2,221			$	4,508			$	1,573			$	1,888			$	1,991			$	429			$	16,971

		Three Months Ended June 30, 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, March 31, 2024		$	453			$	3,309			$	2,537			$	5,494			$	1,221			$	1,913			$	1,588			$	437			$	16,952
Credit loss expense (benefit) 1			(40	)			39				47				36				5				1				122				41				251
Recoveries of loans charged-off			-				1				-				-				-				1				-				1				3
Loans charged-off			-				-				-				-				-				(3	)			-				-				(3	)
Balance, June 30, 2024		$	413			$	3,349			$	2,584			$	5,530			$	1,226			$	1,912			$	1,710			$	479			$	17,203

		Six Months Ended June 30, 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			5				14				42				294				(12	)			(42	)			103				19				423
Recoveries of loans charged-off			-				2				-				-				-				2				-				3				7
Loans charged-off			-				-				-				-				-				(3	)			-				-				(3	)
Balance, June 30, 2024		$	413			$	3,349			$	2,584			$	5,530			$	1,226			$	1,912			$	1,710			$	479			$	17,203

Financing Receivable, Amortized Cost [Table Text Block]

		Primary Type of Collateral
June 30, 2025		Real Estate				Equipment				Other				Total				ACL Allocation
Real estate - construction		$	-			$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			586				-				-				586				-
Real estate - multi-family			926				-				-				926				-
Real estate - commercial			11,241				-				-				11,241				-
Real estate - agricultural			1,480				-				-				1,480				-
Commercial			450				379				927				1,756				115
Agricultural			2,581				-				296				2,877				351
Consumer and other			-				-				2				2				-
		$	17,264			$	379			$	1,225			$	18,868			$	466

		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
		June 30, 2025				December 31, 2024				June 30, 2025				December 31, 2024
Real estate - construction		$	-			$	62			$	-			$	62
Real estate - 1 to 4 family residential			586				696				586				626
Real estate - multi-family			926				947				926				947
Real estate - commercial			11,224				10,768				11,224				10,768
Real estate - agricultural			1,480				420				406				420
Commercial			1,784				1,298				1,007				893
Agricultural			2,877				570				494				570
Consumer and other			8				11				2				3
		$	18,885			$	14,772			$	14,645			$	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		$	30			$	-			$	30			$	57,274			$	57,304			$	-
Real estate - 1 to 4 family residential			3,719				152				3,871				308,699				312,570				-
Real estate - multi-family			-				-				-				204,409				204,409				-
Real estate - commercial			290				2,563				2,853				318,156				321,009				-
Real estate - agricultural			1,413				133				1,546				158,299				159,845				133
Commercial			1,080				-				1,080				96,049				97,129				-
Agricultural			139				2,308				2,447				123,978				126,425				-
Consumer and other			2				2				4				17,726				17,730				-
		$	6,673			$	5,158			$	11,831			$	1,284,590			$	1,296,421			$	133

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]

June 30, 2025		Amortized Cost Basis of Term Loans by Year of Origination
		2025				2024				2023				2022				2021				Prior				Revolving				Total
Real estate - construction
Pass		$	24,995			$	14,747			$	14,939			$	-			$	208			$	171			$	1,766			$	56,826
Watch			478				-				-				-				-				-				-				478
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			-				-				-				-				-				-				-				-
Total		$	25,473			$	14,747			$	14,939			$	-			$	208			$	171			$	1,766			$	57,304
Current-period gross charge-offs		$	-			$	44			$	-			$	-			$	-			$	-			$	-			$	44
Real estate - 1-4 family residential
Pass		$	28,074			$	42,173			$	40,990			$	64,369			$	47,855			$	50,102			$	21,582			$	295,145
Watch			358				804				1,703				89				9,320				1,137				157				13,568
Special Mention			-				-				95				637				737				-				200				1,669
Substandard			-				65				422				-				1,025				89				-				1,601
Substandard-Impaired			375				84				76				-				-				52				-				587
Total		$	28,807			$	43,126			$	43,286			$	65,095			$	58,937			$	51,380			$	21,939			$	312,570
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	2			$	-			$	2
Real estate - multi-family
Pass		$	17,887			$	12,736			$	9,566			$	47,916			$	26,064			$	44,200			$	6,061			$	164,430
Watch			855				7,012				1,069				-				19,462				2,149				-				30,547
Special Mention			-				-				8,505				-				-				-				-				8,505
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			927				-				-				-				-				-				-				927
Total		$	19,669			$	19,748			$	19,140			$	47,916			$	45,526			$	46,349			$	6,061			$	204,409
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - commercial
Pass		$	25,068			$	26,818			$	22,413			$	60,779			$	44,034			$	69,747			$	1,598			$	250,457
Watch			1,603				4,796				1,960				18,951				5,535				4,325				98				37,268
Special Mention			1,867				-				-				-				-				897				-				2,764
Substandard			2,552				-				-				-				15,692				991				61				19,296
Substandard-Impaired			488				802				7,371				2,563				-				-				-				11,224
Total		$	31,578			$	32,416			$	31,744			$	82,293			$	65,261			$	75,960			$	1,757			$	321,009
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - agricultural
Pass		$	14,437			$	15,861			$	16,520			$	25,331			$	26,749			$	39,306			$	3,114			$	141,318
Watch			6,567				2,139				1,019				1,104				1,065				3,560				-				15,454
Special Mention			-				-				-				-				-				-				-				-
Substandard			450				-				1,258				-				64				91				-				1,863
Substandard-Impaired			-				-				79				-				136				995				-				1,210
Total		$	21,454			$	18,000			$	18,876			$	26,435			$	28,014			$	43,952			$	3,114			$	159,845
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

June 30, 2025		Amortized Cost Basis of Term Loans by Year of Origination
		2025				2024				2023				2022				2021				Prior				Revolving				Total
Commercial
Pass		$	7,202			$	10,047			$	7,992			$	8,558			$	5,046			$	3,781			$	39,818			$	82,444
Watch			586				818				7,080				661				999				187				2,515				12,846
Special Mention			38				-				-				-				-				-				-				38
Substandard			-				-				-				17				-				-				-				17
Substandard-Impaired			694				411				28				-				-				62				589				1,784
Total		$	8,520			$	11,276			$	15,100			$	9,236			$	6,045			$	4,030			$	42,922			$	97,129
Current-period gross charge-offs		$	1,104			$	-			$	-			$	-			$	-			$	10			$	-			$	1,114
Agricultural
Pass		$	13,522			$	7,195			$	3,773			$	4,193			$	2,442			$	1,548			$	70,573			$	103,246
Watch			5,898				704				522				286				218				196				12,073				19,897
Special Mention			-				-				-				-				-				-				-				-
Substandard			499				-				-				28				-				20				123				670
Substandard-Impaired			-				1,009				30				-				242				341				990				2,612
Total		$	19,919			$	8,908			$	4,325			$	4,507			$	2,902			$	2,105			$	83,759			$	126,425
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer and other
Pass		$	3,875			$	3,800			$	3,649			$	1,890			$	1,689			$	2,003			$	787			$	17,693
Watch			-				13				-				-				-				-				-				13
Special Mention			-				-				-				-				-				-				-				-
Substandard			9				-				4				-				-				-				-				13
Substandard-Impaired			-				3				2				-				-				6				-				11
Total		$	3,884			$	3,816			$	3,655			$	1,890			$	1,689			$	2,009			$	787			$	17,730
Current-period gross charge-offs		$	-			$	1			$	-			$	-			$	-			$	-			$	-			$	1
Total loans
Pass		$	135,060			$	133,377			$	119,842			$	213,036			$	154,087			$	210,858			$	145,299			$	1,111,559
Watch			16,345				16,286				13,353				21,091				36,599				11,554				14,843				130,071
Special Mention			1,905				-				8,600				637				737				897				200				12,976
Substandard			3,510				65				1,684				45				16,781				1,191				184				23,460
Substandard-Impaired			2,484				2,309				7,586				2,563				378				1,456				1,579				18,355
Total		$	159,304			$	152,037			$	151,065			$	237,372			$	208,582			$	225,956			$	162,105			$	1,296,421
Current-period gross charge-offs		$	1,104			$	45			$	-			$	-			$	-			$	12			$	-			$	1,161

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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