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Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Mar. 31, 2025 | Dec. 31, 2024 | Mar. 31, 2024 | Dec. 31, 2023
--- | --- | --- | --- | ---
Principal loan balance | $ 651,359 | $ 639,376 |  |
Principal loan balance | 651,359 | 639,376 |  |
Deferred loan origination fees and costs, net | 1,117 | 1,104 |  |
Amortized cost basis in loans | 652,476 | 640,480 |  |
Allowance for credit losses | (9,535) | (9,281) | $ (8,230) | $ (8,005)
Loans, net | 642,941 | 631,199 |  |
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |  |
Principal loan balance | 140,853 | 138,936 |  |
Principal loan balance | 140,853 | 138,936 |  |
Deferred loan origination fees and costs, net | 89 | 98 |  |
Amortized cost basis in loans | 140,942 | 139,034 |  |
Allowance for credit losses | (1,438) | (1,592) | (1,338) | (1,490)
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |
Principal loan balance | 67,074 | 66,549 |  |
Principal loan balance | 67,074 | 66,549 |  |
Deferred loan origination fees and costs, net | 1,214 | 1,206 |  |
Amortized cost basis in loans | 68,288 | 67,755 |  |
Allowance for credit losses | (567) | (478) | (444) | (406)
Residential Portfolio Segment [Member] | Multifamily [Member] |  |  |  |
Principal loan balance | 45,891 | 36,822 |  |
Principal loan balance | 45,891 | 36,822 |  |
Deferred loan origination fees and costs, net | (17) | (17) |  |
Amortized cost basis in loans | 45,874 | 36,805 |  |
Allowance for credit losses | (431) | (545) | (423) | (332)
Construction [Member] | One-to-four Family Residential Construction [Member] |  |  |  |
Principal loan balance | 17,573 | 15,245 |  |
Principal loan balance | 17,573 | 15,245 |  |
Deferred loan origination fees and costs, net | 0 | 0 |  |
Amortized cost basis in loans | 17,573 | 15,245 |  |
Allowance for credit losses | (223) | (184) | (192) | (208)
Construction [Member] | Other Construction, Development and Land [Member] |  |  |  |
Principal loan balance | 70,168 | 75,840 |  |
Principal loan balance | 70,168 | 75,840 |  |
Deferred loan origination fees and costs, net | (30) | (29) |  |
Amortized cost basis in loans | 70,138 | 75,811 |  |
Allowance for credit losses | (1,179) | (588) | (811) | (804)
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |
Principal loan balance | 189,309 | 184,851 |  |
Allowance for credit losses | (2,328) | (2,459) | (2,754) | (2,119)
Commercial Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |
Principal loan balance | 63,343 | 62,727 |  |
Deferred loan origination fees and costs, net | (2) | (9) |  |
Amortized cost basis in loans | 63,341 | 62,718 |  |
Allowance for credit losses | (2,337) | (2,424) | (1,302) | (1,431)
Consumer Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |
Principal loan balance | 63,343 | 62,727 |  |
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] |  |  |  |
Principal loan balance | 57,148 | 58,406 |  |
Principal loan balance | 57,148 | 58,406 |  |
Deferred loan origination fees and costs, net | 0 | 0 |  |
Amortized cost basis in loans | 57,148 | 58,406 |  |
Allowance for credit losses | (1,032) | (1,011) | $ (966) | $ (1,215)
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |
Principal loan balance | 189,309 | 184,851 |  |
Deferred loan origination fees and costs, net | (137) | (145) |  |
Amortized cost basis in loans | $ 189,172 | $ 184,706 |  |

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