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Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
--- | --- | --- | --- | ---
Principal loan balance | $ 639,376 | $ 621,246 |  |
Loans | 639,376 | 621,246 |  |
Deferred loan origination fees and costs, net | 1,104 | 1,168 |  |
Amortized cost basis in loans | 640,480 | 622,414 |  |
Allowance for credit losses | (9,281) | (8,005) | $ (6,772) | $ (6,083)
Loans, net | 631,199 | 614,409 |  |
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |  |
Principal loan balance | 138,936 | 133,480 |  |
Loans | 138,936 | 133,480 |  |
Deferred loan origination fees and costs, net | 98 | 121 |  |
Amortized cost basis in loans | 139,034 | 133,601 |  |
Allowance for credit losses | (1,592) | (1,490) |  |
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |
Principal loan balance | 66,549 | 62,070 |  |
Residential Portfolio Segment [Member] | Multifamily [Member] |  |  |  |
Principal loan balance | 36,822 | 39,963 |  |
Loans | 36,822 | 39,963 |  |
Deferred loan origination fees and costs, net | (17) | (17) |  |
Amortized cost basis in loans | 36,805 | 39,946 |  |
Allowance for credit losses | (545) | (332) |  |
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |
Loans | 66,549 | 62,070 |  |
Deferred loan origination fees and costs, net | 1,206 | 1,231 |  |
Amortized cost basis in loans | 67,755 | 63,301 |  |
Allowance for credit losses | (478) | (406) | (530) | (527)
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |  |
Loans | 58,406 | 56,373 |  |
Deferred loan origination fees and costs, net | 0 | 0 |  |
Amortized cost basis in loans | 58,406 | 56,373 |  |
Allowance for credit losses |  |  | (991) | (988)
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] |  |  |  |
Principal loan balance | 58,406 | 56,373 |  |
Amortized cost basis in loans | 58,406 | 56,373 |  |
Allowance for credit losses | (1,011) | (1,215) |  |
Construction [Member] | One-to-four Family Residential Construction [Member] |  |  |  |
Principal loan balance | 15,245 | 15,667 |  |
Loans | 15,245 | 15,667 |  |
Deferred loan origination fees and costs, net | 0 | 0 |  |
Amortized cost basis in loans | 15,245 | 15,667 |  |
Allowance for credit losses | (184) | (208) |  |
Construction [Member] | Other Construction, Development and Land [Member] |  |  |  |
Principal loan balance | 75,840 | 76,713 |  |
Loans | 75,840 | 76,713 |  |
Deferred loan origination fees and costs, net | (29) | (44) |  |
Amortized cost basis in loans | 75,811 | 76,669 |  |
Allowance for credit losses | (588) | (804) |  |
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |
Principal loan balance | 184,851 | 168,757 |  |
Loans | 184,851 | 168,757 |  |
Deferred loan origination fees and costs, net | (145) | (112) |  |
Amortized cost basis in loans | 184,706 | 168,645 |  |
Allowance for credit losses | (2,459) | (2,119) |  |
Commercial Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |
Principal loan balance | 62,727 | 68,223 |  |
Loans | 62,727 | 68,223 |  |
Deferred loan origination fees and costs, net | (9) | (11) |  |
Amortized cost basis in loans | 62,718 | 68,212 |  |
Allowance for credit losses | $ (2,424) | $ (1,431) | $ (1,046) | $ (873)

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