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Note 6 - Loans Receivable and Credit Disclosures (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2025				2024
Real estate - construction		$	57,966			$	59,281
Real estate - 1 to 4 family residential			315,827				309,704
Real estate - multi-family			209,099				200,209
Real estate - commercial			315,952				350,493
Real estate - agricultural			158,075				159,880
Commercial			94,777				90,023
Agricultural			126,051				134,157
Consumer and other			15,821				17,066
			1,293,568				1,320,813
Unallocated portfolio layer basis adjustments1			176				162
Less allowance for credit losses			(17,950	)			(17,058	)
Loans receivable, net		$	1,275,794			$	1,303,917

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

		Three Months Ended September 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, June 30, 2025		$	481			$	3,880			$	2,221			$	4,508			$	1,573			$	1,888			$	1,991			$	429			$	16,971
Credit loss expense (benefit) 1			11				226				45				747				(10	)			(147	)			(182	)			(55	)			635
Recoveries of loans charged-off			-				-				-				-				-				351				-				-				351
Loans charged-off			-				-				-				-				-				(7	)			-				-				(7	)
Balance, September 30, 2025		$	492			$	4,106			$	2,266			$	5,255			$	1,563			$	2,085			$	1,809			$	374			$	17,950

		Nine Months Ended September 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			53				218				78				323				(21	)			1,093				4				(44	)			1,704
Recoveries of loans charged-off			1				-				-				-				-				354				-				1				356
Loans charged-off			(44	)			(2	)			-				-				-				(1,121	)			-				(1	)			(1,168	)
Balance, September 30, 2025		$	492			$	4,106			$	2,266			$	5,255			$	1,563			$	2,085			$	1,809			$	374			$	17,950

		Three Months Ended September 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, June 30, 2024		$	413			$	3,349			$	2,584			$	5,530			$	1,226			$	1,912			$	1,710			$	479			$	17,203
Credit loss expense (benefit) 1			151				400				(373	)			(521	)			333				413				5				(39	)			369
Recoveries of loans charged-off			-				1				-				-				-				2				-				-				3
Loans charged-off			-				-				-				-				-				(4	)			-				(9	)			(13	)
Balance, September 30, 2024		$	564			$	3,750			$	2,211			$	5,009			$	1,559			$	2,323			$	1,715			$	431			$	17,562

		Nine Months Ended September 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			156				414				(331	)			(227	)			321				371				108				(20	)			792
Recoveries of loans charged-off			-				3				-				-				-				4				-				3				10
Loans charged-off			-				-				-				-				-				(7	)			-				(9	)			(16	)
Balance, September 30, 2024		$	564			$	3,750			$	2,211			$	5,009			$	1,559			$	2,323			$	1,715			$	431			$	17,562

Financing Receivable, Amortized Cost [Table Text Block]

		Primary Type of Collateral
September 30, 2025		Real Estate				Equipment				Other				Total				ACL Allocation
Real estate - construction		$	-			$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			1,267				-				-				1,267				197
Real estate - multi-family			900				-				-				900				-
Real estate - commercial			13,555				-				-				13,555				870
Real estate - agricultural			538				-				-				538				-
Commercial			413				403				642				1,458				318
Agricultural			1,314				-				296				1,610				-
Consumer and other			-				-				-				-				-
		$	17,987			$	403			$	938			$	19,328			$	1,385

		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
		September 30, 2025				December 31, 2024				September 30, 2025				December 31, 2024
Real estate - construction		$	-			$	62			$	-			$	62
Real estate - 1 to 4 family residential			1,267				696				478				626
Real estate - multi-family			900				947				900				947
Real estate - commercial			13,538				10,768				11,071				10,768
Real estate - agricultural			538				420				538				420
Commercial			1,484				1,298				898				893
Agricultural			1,610				570				1,610				570
Consumer and other			5				11				-				3
		$	19,342			$	14,772			$	15,495			$	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		$	1,346			$	-			$	1,346			$	56,620			$	57,966			$	-
Real estate - 1 to 4 family residential			3,309				148				3,457				312,370				315,827				148
Real estate - multi-family			-				-				-				209,099				209,099				-
Real estate - commercial			619				2,620				3,239				312,713				315,952				-
Real estate - agricultural			25				-				25				158,050				158,075				-
Commercial			499				476				975				93,802				94,777				26
Agricultural			132				1,091				1,223				124,828				126,051				-
Consumer and other			1				-				1				15,820				15,821				-
		$	5,931			$	4,335			$	10,266			$	1,283,302			$	1,293,568			$	174

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]

September 30, 2025		Amortized Cost Basis of Term Loans by Year of Origination
		2025				2024				2023				2022				2021				Prior				Revolving				Total
Real estate - construction
Pass		$	30,478			$	9,581			$	15,791			$	-			$	205			$	17			$	1,894			$	57,966
Watch			-				-				-				-				-				-				-				-
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			-				-				-				-				-				-				-				-
Total		$	30,478			$	9,581			$	15,791			$	-			$	205			$	17			$	1,894			$	57,966
Current-period gross charge-offs		$	-			$	44			$	-			$	-			$	-			$	-			$	-			$	44
Real estate - 1-4 family residential
Pass		$	42,869			$	37,821			$	39,962			$	63,018			$	46,328			$	45,908			$	23,089			$	298,995
Watch			262				882				1,413				88				8,829				1,230				317				13,021
Special Mention			199				-				94				-				730				-				-				1,023
Substandard			-				65				421				-				1,009				29				-				1,524
Substandard-Impaired			360				81				74				642				-				107				-				1,264
Total		$	43,690			$	38,849			$	41,964			$	63,748			$	56,896			$	47,274			$	23,406			$	315,827
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	2			$	-			$	2
Real estate - multi-family
Pass		$	36,902			$	12,078			$	6,711			$	45,758			$	27,148			$	39,437			$	6,235			$	174,269
Watch			849				6,984				1,062				-				14,448				2,124				-				25,467
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				8,462				-				-				-				-				8,462
Substandard-Impaired			901				-				-				-				-				-				-				901
Total		$	38,652			$	19,062			$	16,235			$	45,758			$	41,596			$	41,561			$	6,235			$	209,099
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - commercial
Pass		$	36,166			$	25,597			$	21,496			$	59,582			$	42,909			$	60,598			$	1,747			$	248,095
Watch			3,746				4,737				830				18,758				5,477				4,087				152				37,787
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				15,549				982				-				16,531
Substandard-Impaired			2,484				784				7,180				2,563				-				471				57				13,539
Total		$	42,396			$	31,118			$	29,506			$	80,903			$	63,935			$	66,138			$	1,956			$	315,952
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Real estate - agricultural
Pass		$	19,894			$	15,601			$	16,404			$	24,895			$	26,410			$	35,355			$	2,821			$	141,380
Watch			6,812				1,848				1,019				1,101				263				3,515				-				14,558
Special Mention			-				-				-				-				-				-				-				-
Substandard			450				-				1,257				-				62				91				-				1,860
Substandard-Impaired			142				-				-				-				135				-				-				277
Total		$	27,298			$	17,449			$	18,680			$	25,996			$	26,870			$	38,961			$	2,821			$	158,075
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

September 30, 2025		Amortized Cost Basis of Term Loans by Year of Origination
		2025				2024				2023				2022				2021				Prior				Revolving				Total
Commercial
Pass		$	13,016			$	6,486			$	6,674			$	7,903			$	4,581			$	3,619			$	37,741			$	80,020
Watch			799				737				7,226				632				983				166				2,729				13,272
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Substandard-Impaired			153				370				26				-				-				427				509				1,485
Total		$	13,968			$	7,593			$	13,926			$	8,535			$	5,564			$	4,212			$	40,979			$	94,777
Current-period gross charge-offs		$	1,104			$	-			$	-			$	-			$	-			$	17			$	-			$	1,121
Agricultural
Pass		$	12,572			$	5,857			$	3,179			$	3,922			$	2,192			$	1,378			$	72,534			$	101,634
Watch			5,363				932				650				287				261				186				14,054				21,733
Special Mention			-				-				-				-				-				-				-				-
Substandard			951				-				-				28				-				20				340				1,339
Substandard-Impaired			-				600				30				-				209				15				491				1,345
Total		$	18,886			$	7,389			$	3,859			$	4,237			$	2,662			$	1,599			$	87,419			$	126,051
Current-period gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer and other
Pass		$	4,594			$	2,156			$	3,307			$	1,735			$	1,581			$	1,911			$	508			$	15,792
Watch			11				-				-				-				-				-				-				11
Special Mention			-				-				-				-				-				-				-				-
Substandard			7				-				3				-				-				-				-				10
Substandard-Impaired			-				2				2				-				-				4				-				8
Total		$	4,612			$	2,158			$	3,312			$	1,735			$	1,581			$	1,915			$	508			$	15,821
Current-period gross charge-offs		$	-			$	1			$	-			$	-			$	-			$	-			$	-			$	1
Total loans
Pass		$	196,491			$	115,177			$	113,524			$	206,813			$	151,354			$	188,223			$	146,569			$	1,118,151
Watch			17,842				16,120				12,200				20,866				30,261				11,308				17,252				125,849
Special Mention			199				-				94				-				730				-				-				1,023
Substandard			1,408				65				10,143				28				16,620				1,122				340				29,726
Substandard-Impaired			4,040				1,837				7,312				3,205				344				1,024				1,057				18,819
Total		$	219,980			$	133,199			$	143,273			$	230,912			$	199,309			$	201,677			$	165,218			$	1,293,568
Current-period gross charge-offs		$	1,104			$	45			$	-			$	-			$	-			$	19			$	-			$	1,168

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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