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Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Sep. 30, 2024 | Jun. 30, 2024 | Dec. 31, 2023 | Sep. 30, 2023 | Jun. 30, 2023
--- | --- | --- | --- | --- | ---
Principal loan balance | $ 638,458 |  | $ 621,246 |  |
Principal loan balance | 638,458 |  | 621,246 |  |
Deferred loan origination fees and costs, net | 1,108 |  | 1,168 |  |
Amortized cost basis in loans | 639,566 |  | 622,414 |  |
Allowance for credit losses | (8,959) | $ (8,560) | (8,005) | $ (7,786) | $ (7,515)
Loans, net | 630,607 |  | 614,409 |  |
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |  |  |
Principal loan balance | 141,114 |  | 133,480 |  |
Principal loan balance | 141,114 |  | 133,480 |  |
Deferred loan origination fees and costs, net | 101 |  | 121 |  |
Amortized cost basis in loans | 141,215 |  | 133,601 |  |
Allowance for credit losses | (1,151) | (1,302) | (1,490) | (1,545) | (1,469)
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |
Principal loan balance | 65,679 |  | 62,070 |  |
Principal loan balance | 65,679 |  | 62,070 |  |
Allowance for credit losses | (432) | (559) | (406) | (381) | (363)
Residential Portfolio Segment [Member] | Multifamily [Member] |  |  |  |  |
Principal loan balance | 36,915 |  | 39,963 |  |
Principal loan balance | 36,915 |  | 39,963 |  |
Deferred loan origination fees and costs, net | (17) |  | (17) |  |
Amortized cost basis in loans | 36,898 |  | 39,946 |  |
Allowance for credit losses | (664) | (342) | (332) | (502) | (614)
Construction [Member] | One-to-four Family Residential Construction [Member] |  |  |  |  |
Principal loan balance | 12,100 |  | 15,667 |  |
Principal loan balance | 12,100 |  | 15,667 |  |
Deferred loan origination fees and costs, net | 0 |  | 0 |  |
Amortized cost basis in loans | 12,100 |  | 15,667 |  |
Allowance for credit losses | (130) | (179) | (208) | (178) | (171)
Construction [Member] | Other Construction, Development and Land [Member] |  |  |  |  |
Principal loan balance | 83,151 |  | 76,713 |  |
Principal loan balance | 83,151 |  | 76,713 |  |
Deferred loan origination fees and costs, net | (41) |  | (44) |  |
Amortized cost basis in loans | 83,110 |  | 76,669 |  |
Allowance for credit losses | (599) | (803) | (804) | (647) | (460)
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |  |
Principal loan balance | 176,562 |  | 168,757 |  |
Allowance for credit losses | (2,224) | (2,347) | (2,119) | (2,107) | (2,016)
Commercial Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |  |
Principal loan balance | 63,455 |  | 68,223 |  |
Deferred loan origination fees and costs, net | (9) |  | (11) |  |
Amortized cost basis in loans | 63,446 |  | 68,212 |  |
Allowance for credit losses |  | (1,920) | (1,431) | (1,345) | (1,564)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |
Deferred loan origination fees and costs, net | 1,216 |  | 1,231 |  |
Amortized cost basis in loans | 66,895 |  | 63,301 |  |
Consumer Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |  |
Principal loan balance | 63,455 |  | 68,223 |  |
Allowance for credit losses | (2,338) |  |  | (1,345) |
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |  |  |
Principal loan balance | 59,482 |  | 56,373 |  |
Principal loan balance | 59,482 |  | 56,373 |  |
Deferred loan origination fees and costs, net | 0 |  | 0 |  |
Amortized cost basis in loans | 59,482 |  | 56,373 |  |
Allowance for credit losses | (1,421) | $ (1,108) | (1,215) | $ (1,081) | $ (858)
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |  |
Principal loan balance | 176,562 |  | 168,757 |  |
Deferred loan origination fees and costs, net | (142) |  | (112) |  |
Amortized cost basis in loans | $ 176,420 |  | $ 168,645 |  |

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