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v3.23.1

Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Dec. 31, 2023 | Mar. 31, 2023 | Dec. 31, 2022 | Mar. 31, 2022 | Dec. 31, 2021
--- | --- | --- | --- | --- | ---
Principal loan balance |  | $ 571,682 | $ 563,517 |  |
Deferred loan origination fees and costs, net |  | 1,217 | 1,213 | $ 1,156 |
Allowance for credit losses | $ (6,772) | (7,323) | (6,772) | (6,245) | $ (6,083)
Loans, net |  | 565,576 | 557,958 |  |
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |  |  |
Principal loan balance |  | 122,675 | 116,269 |  |
Deferred loan origination fees and costs, net |  | 127 |  |  |
Allowance for credit losses |  | (1,414) | (1,036) |  |
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |
Principal loan balance |  | 57,130 | 57,872 |  |
Residential Portfolio Segment [Member] | Multifamily [Member] |  |  |  |  |
Principal loan balance |  | 39,656 | 38,973 |  |
Deferred loan origination fees and costs, net |  | (14) |  |  |
Allowance for credit losses |  | (381) | (346) |  |
Construction [Member] | One-to-four Family Residential Construction [Member] |  |  |  |  |
Principal loan balance |  | 19,071 | 16,575 |  |
Deferred loan origination fees and costs, net |  | 0 |  |  |
Allowance for credit losses |  | (187) | (206) |  |
Construction [Member] | Other Construction, Development and Land [Member] |  |  |  |  |
Principal loan balance |  | 49,901 | 47,632 |  |
Deferred loan origination fees and costs, net |  | (3) |  |  |
Allowance for credit losses |  | (489) | (587) |  |
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |  |
Principal loan balance |  | 161,968 | 161,362 |  |
Deferred loan origination fees and costs, net |  | (91) |  |  |
Consumer Portfolio Segment [Member] |  |  |  |  |
Allowance for credit losses |  |  |  | (957) | (988)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |
Deferred loan origination fees and costs, net |  | 1,210 | 1,204 | 1,148 |
Allowance for credit losses | (530) | (366) | (531) | (517) | $ (527)
Consumer Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |  |
Principal loan balance |  | 67,228 | 68,066 |  |
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] |  |  |  |  |
Principal loan balance |  | 54,053 | 56,768 |  |
Allowance for credit losses | $ (991) | $ (1,212) | $ (881) | $ (957) |

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