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v3.25.1

Note 4 - Loans and Allowance for Loan Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Beginning balance | $ 8,005 | $ 6,772 | $ 6,083
Provision for credit losses | 1,449 | 1,141 | 950
Charge-offs | (349) | (681) | (505)
Recoveries | 176 | 212 | 244
Ending balance | 9,281 | 8,005 | 6,772
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | 561 |
Ending balance |  |  | 561
Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 6,772 |
Ending balance |  |  | 6,772
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |
Beginning balance | 1,490 |  |
Provision for credit losses | 77 | 41 |
Charge-offs | (4) | (31) |
Recoveries | 29 | 21 |
Ending balance | 1,592 | 1,490 |
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | 423 |
Ending balance |  |  | 423
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 1,036 |
Ending balance |  |  | 1,036
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |
Charge-offs | 0 | (15) |
Residential Portfolio Segment [Member] | Multifamily [Member] |  |  |
Beginning balance | 332 |  |
Provision for credit losses | 213 | (11) |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Ending balance | 545 | 332 |
Residential Portfolio Segment [Member] | Multifamily [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | (3) |
Ending balance |  |  | (3)
Residential Portfolio Segment [Member] | Multifamily [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 346 |
Ending balance |  |  | 346
Residential Portfolio Segment [Member] | Other Construction, Development and Land [Member] |  |  |
Charge-offs | 0 |  |
Real Estate Mortgage Portfolio Segment [Member] | Real Estate Loan [Member] |  |  |
Beginning balance |  | 1,383 | 1,174
Provision for credit losses |  |  | 247
Charge-offs |  |  | (48)
Recoveries |  |  | 10
Ending balance |  |  | 1,383
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] |  |  |
Beginning balance |  | 265 | 234
Provision for credit losses |  |  | 31
Charge-offs |  |  | 0
Recoveries |  |  | 0
Ending balance |  |  | 265
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] |  |  |
Beginning balance |  | 526 | 403
Provision for credit losses |  |  | 123
Charge-offs |  |  | 0
Recoveries |  |  | 0
Ending balance |  |  | 526
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |
Beginning balance |  | 2,031 | 1,884
Provision for credit losses |  |  | 147
Charge-offs |  |  | 0
Recoveries |  |  | 0
Ending balance |  |  | 2,031
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |
Beginning balance | 406 | 530 | 527
Provision for credit losses | 68 | (86) | 1
Charge-offs | 0 | (15) | 0
Recoveries | 4 | 2 | 2
Ending balance | 478 | 406 | 530
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | (26) |
Ending balance |  |  | (26)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 531 |
Ending balance |  |  | 531
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |
Beginning balance |  | 991 | 988
Provision for credit losses |  |  | 228
Charge-offs | (345) | (430) | (448)
Recoveries |  |  | 223
Ending balance |  |  | 991
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] |  |  |
Beginning balance | 1,215 |  |
Provision for credit losses | 1 | 149 |
Charge-offs | (345) | (430) |
Recoveries | 140 | 180 |
Ending balance | 1,011 | 1,215 |
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | 435 |
Ending balance |  |  | 435
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 881 |
Ending balance |  |  | 881
Construction [Member] | One-to-four Family Residential Construction [Member] |  |  |
Beginning balance | 208 |  |
Provision for credit losses | (24) | 11 |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Ending balance | 184 | 208 |
Construction [Member] | One-to-four Family Residential Construction [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | (9) |
Ending balance |  |  | (9)
Construction [Member] | One-to-four Family Residential Construction [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 206 |
Ending balance |  |  | 206
Construction [Member] | Other Construction, Development and Land [Member] |  |  |
Beginning balance | 804 |  |
Provision for credit losses | (216) | 204 |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Ending balance | 588 | 804 |
Construction [Member] | Other Construction, Development and Land [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | 13 |
Ending balance |  |  | 13
Construction [Member] | Other Construction, Development and Land [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 587 |
Ending balance |  |  | 587
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |
Beginning balance | 2,119 |  |
Provision for credit losses | 339 | 220 |
Charge-offs | 0 | 0 |
Recoveries | 1 | 0 |
Ending balance | 2,459 | 2,119 |
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | (130) |
Ending balance |  |  | (130)
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | 2,029 |
Ending balance |  |  | 2,029
Commercial Portfolio Segment [Member] | Commercial Business [Member] |  |  |
Beginning balance | 1,431 | 1,046 | 873
Provision for credit losses | 991 | 613 | 173
Charge-offs | 0 | (205) | (9)
Recoveries | 2 | 9 | 9
Ending balance | $ 2,424 | 1,431 | 1,046
Commercial Portfolio Segment [Member] | Commercial Business [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |
Beginning balance |  | (142) |
Ending balance |  |  | (142)
Commercial Portfolio Segment [Member] | Commercial Business [Member] | Prior to Adoption of Asc 326 [Member] |  |  |
Beginning balance |  | $ 1,156 |
Ending balance |  |  | $ 1,156

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