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Note 4 - Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		March 31,				December 31,
(In thousands)		2025				2024
1-4 Family Residential Mortgage		$	140,853			$	138,936
Home Equity and Second Mortgage			67,074				66,549
Multifamily Residential			45,891				36,822
1-4 Family Residential Construction			17,573				15,245
Other Construction, Development and Land			70,168				75,840
Commercial Real Estate			189,309				184,851
Commercial Business			63,343				62,727
Consumer and Other			57,148				58,406
Principal loan balance			651,359				639,376
Deferred loan origination fees and costs, net			1,117				1,104
Allowance for credit losses			(9,535	)			(9,281	)
Loans, net		$	642,941			$	631,199

																		Other
		1-4 Family				Home Equity								1-4 Family				Construction,
		Residential				and Second				Multifamily				Residential				Development				Commercial				Commercial				Consumer
		Mortgage				Mortgage				Residential				Construction				and Land				Real Estate				Business				and Other				Total
		(In thousands)
Amortized Cost Basis in Loans:
Principal loan balance		$	140,853			$	67,074			$	45,891			$	17,573			$	70,168			$	189,309			$	63,343			$	57,148			$	651,359
Net deferred loan origination fees and costs			89				1,214				(17	)			-				(30	)			(137	)			(2	)			-				1,117
Amortized cost basis in loans		$	140,942			$	68,288			$	45,874			$	17,573			$	70,138			$	189,172			$	63,341			$	57,148			$	652,476

																		Other
		1-4 Family				Home Equity								1-4 Family				Construction,
		Residential				and Second				Multifamily				Residential				Development				Commercial				Commercial				Consumer
		Mortgage				Mortgage				Residential				Construction				and Land				Real Estate				Business				and Other				Total
		(In thousands)
Amortized Cost Basis in Loans:
Principal loan balance		$	138,936			$	66,549			$	36,822			$	15,245			$	75,840			$	184,851			$	62,727			$	58,406			$	639,376
Net deferred loan origination fees and costs			98				1,206				(17	)			-				(29	)			(145	)			(9	)			-				1,104
Amortized cost basis in loans		$	139,034			$	67,755			$	36,805			$	15,245			$	75,811			$	184,706			$	62,718			$	58,406			$	640,480

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

																		Other
		1-4 Family				Home Equity								1-4 Family				Construction,
		Residential				and Second				Multifamily				Residential				Development				Commercial				Commercial				Consumer
		Mortgage				Mortgage				Residential				Construction				and Land				Real Estate				Business				and Other				Total
		(In thousands)
ACL on Loans:
Beginning balance		$	1,592			$	478			$	545			$	184			$	588			$	2,459			$	2,424			$	1,011			$	9,281
Provision for credit losses			(157	)			89				(114	)			39				591				(131	)			(61	)			82				338
Charge-offs			-				-				-				-				-				-				(27	)			(100	)			(127	)
Recoveries			3				-				-				-				-				-				1				39				43
Ending balance		$	1,438			$	567			$	431			$	223			$	1,179			$	2,328			$	2,337			$	1,032			$	9,535

																		Other
		1-4 Family				Home Equity								1-4 Family				Construction,
		Residential				and Second				Multifamily				Residential				Development				Commercial				Commercial				Consumer
		Mortgage				Mortgage				Residential				Construction				and Land				Real Estate				Business				and Other				Total
		(In thousands)
ACL on Loans:
Beginning balance		$	1,490			$	406			$	332			$	208			$	804			$	2,119			$	1,431			$	1,215			$	8,005
Provision for credit losses			(152	)			35				91				(16	)			7				634				(129	)			(190	)			280
Charge-offs			(1	)			-				-				-				-				-				-				(99	)			(100	)
Recoveries			1				3				-				-				-				1				-				40				45
Ending balance		$	1,338			$	444			$	423			$	192			$	811			$	2,754			$	1,302			$	966			$	8,230

Financing Receivable, Collateral Dependent Loans [Table Text Block]

		March 31, 2025
		Real																ACL
		Estate				Equipment				Other				Total				Allocation
		(In thousands)
1-4 Family Residential Mortgage		$	1,563			$	-			$	-			$	1,563			$	-
Home Equity and Second Mortgage			639				-				-				639				-
Multifamily Residential			-				-				-				-				-
1-4 Family Residential Construction			91				-				-				91				55
Other Construction, Development and Land			107				-				-				107				-
Commercial Real Estate			3,890				-				-				3,890				-
Commercial Business			-				1,866				149				2,015				1,233
Consumer and Other			-				-				-				-				-
		$	6,290			$	1,866			$	149			$	8,305			$	1,288

		Real																ACL
		Estate				Equipment				Other				Total				Allocation
		(In thousands)
1-4 Family Residential Mortgage		$	1,613			$	-			$	-			$	1,613			$	-
Home Equity and Second Mortgage			714				-				-				714				-
Multifamily Residential			-				-				-				-				-
1-4 Family Residential Construction			90				-				-				90				54
Other Construction, Development and Land			106				-				-				106				-
Commercial Real Estate			3,912				-				-				3,912				-
Commercial Business			-				1,926				155				2,081				1,233
Consumer and Other			-				-				-				-				-
		$	6,435			$	1,926			$	155			$	8,516			$	1,287

Financing Receivable, Nonaccrual [Table Text Block]

														Loans 90+ Days				Total
		Nonaccrual Loans				Nonaccrual Loans				Total				Past Due				Nonperforming
		with No ACL				with An ACL				Nonaccrual				Still Accruing				Loans
		(In thousands)
1-4 Family Residential Mortgage		$	1,073			$	-			$	1,073			$	-			$	1,073
Home Equity and Second Mortgage			432				-				432				-				432
Multifamily Residential			-				-				-				-				-
1-4 Family Residential Construction			-				91				91				-				91
Other Construction, Development and Land			60				-				60				-				60
Commercial Real Estate			413				-				413				-				413
Commercial Business			99				1,907				2,006				-				2,006
Consumer and Other			-				-				-				18				18
Total		$	2,077			$	1,998			$	4,075			$	18			$	4,093

														Loans 90+ Days				Total
		Nonaccrual Loans				Nonaccrual Loans				Total				Past Due				Nonperforming
		with No ACL				with An ACL				Nonaccrual				Still Accruing				Loans
		(In thousands)
1-4 Family Residential Mortgage		$	1,186			$	-			$	1,186			$	-			$	1,186
Home Equity and Second Mortgage			568				-				568				-				568
Multifamily Residential			-				-				-				-				-
1-4 Family Residential Construction			-				90				90				-				90
Other Construction, Development and Land			59				-				59				-				59
Commercial Real Estate			413				-				413				-				413
Commercial Business			99				1,967				2,066				-				2,066
Consumer and Other			-				-				-				-				-
Total		$	2,325			$	2,057			$	4,382			$	-			$	4,382

Financing Receivable, Past Due [Table Text Block]

		30-59 Days				60-89 Days				90 Days or More				Total								Total
		Past Due				Past Due				Past Due				Past Due				Current				Loans
		(In thousands)
1-4 Family Residential Mortgage		$	2,136			$	66			$	714			$	2,916			$	138,026			$	140,942
Home Equity and Second Mortgage			130				98				117				345				67,943				68,288
Multifamily Residential			-				-				-				-				45,874				45,874
1-4 Family Residential Construction			-				-				91				91				17,482				17,573
Other Construction, Development and Land			260				-				60				320				69,818				70,138
Commercial Real Estate			720				311				413				1,444				187,728				189,172
Commercial Business			51				51				140				242				63,099				63,341
Consumer and Other			285				17				18				320				56,828				57,148
Total		$	3,582			$	543			$	1,553			$	5,678			$	646,798			$	652,476

		30-59 Days				60-89 Days				90 Days or More				Total								Total
		Past Due				Past Due				Past Due				Past Due				Current				Loans
		(In thousands)
1-4 Family Residential Mortgage		$	1,758			$	205			$	828			$	2,791			$	136,243			$	139,034
Home Equity and Second Mortgage			269				202				148				619				67,136				67,755
Multifamily Residential			-				-				-				-				36,805				36,805
1-4 Family Residential Construction			-				-				90				90				15,155				15,245
Other Construction, Development and Land			98				25				59				182				75,629				75,811
Commercial Real Estate			252				1,027				413				1,692				183,014				184,706
Commercial Business			80				25				140				245				62,473				62,718
Consumer and Other			472				54				-				526				57,880				58,406
Total		$	2,929			$	1,538			$	1,678			$	6,145			$	634,335			$	640,480

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination Year
		2025				2024				2023				2022				2021				Prior				Revolving				Total
		(In thousands)
1-4 Family Residential Mortgage
Pass		$	6,519			$	21,416			$	31,069			$	25,646			$	22,711			$	31,633			$	-			$	138,994
Special Mention			-				-				-				91				93				202				-				386
Substandard			-				-				-				-				-				489				-				489
Doubtful			-				-				31				39				151				852				-				1,073
		$	6,519			$	21,416			$	31,100			$	25,776			$	22,955			$	33,176			$	-			$	140,942
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Home Equity and Second Mortgage
Pass		$	279			$	1,848			$	3,809			$	3,310			$	312			$	372			$	57,671			$	67,601
Special Mention			-				-				-				-				28				-				19				47
Substandard			-				-				-				-				-				-				208				208
Doubtful			-				43				-				-				-				389				-				432
		$	279			$	1,891			$	3,809			$	3,310			$	340			$	761			$	57,898			$	68,288
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Multifamily Residential
Pass		$	7			$	959			$	6,455			$	18,186			$	8,447			$	11,820			$	-			$	45,874
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
		$	7			$	959			$	6,455			$	18,186			$	8,447			$	11,820			$	-			$	45,874
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
1-4 Family Residential Construction
Pass		$	1,194			$	13,513			$	1,198			$	665			$	-			$	912			$	-			$	17,482
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				91				-				-				91
		$	1,194			$	13,513			$	1,198			$	665			$	91			$	912			$	-			$	17,573
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		Term Loans Amortized Cost Basis by Origination Year
		2025				2024				2023				2022				2021				Prior				Revolving				Total
		(In thousands)
Other Construction, Development and Land
Pass		$	4,164			$	15,959			$	23,257			$	17,698			$	1,621			$	4,334			$	-			$	67,033
Special Mention			-				-				-				2,998				-				-				-				2,998
Substandard			-				-				-				-				-				47				-				47
Doubtful			-				-				-				-				-				60				-				60
		$	4,164			$	15,959			$	23,257			$	20,696			$	1,621			$	4,441			$	-			$	70,138
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Commercial Real Estate
Pass		$	2,357			$	21,733			$	19,985			$	47,307			$	26,136			$	61,015			$	2,320			$	180,853
Special Mention			203				-				509				1,924				-				1,793				-				4,429
Substandard			-				311				711				-				553				1,902				-				3,477
Doubtful			-				-				-				-				-				413				-				413
		$	2,560			$	22,044			$	21,205			$	49,231			$	26,689			$	65,123			$	2,320			$	189,172
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Commercial Business
Pass		$	4,716			$	7,767			$	9,913			$	8,898			$	8,391			$	8,961			$	12,020			$	60,666
Special Mention			38				427				33				48				56				16				-				618
Substandard			-				-				-				-				51				-				-				51
Doubtful			-				-				107				1,866				-				33				-				2,006
		$	4,754			$	8,194			$	10,053			$	10,812			$	8,498			$	9,010			$	12,020			$	63,341
Current period gross write-offs		$	-			$	-			$	-			$	27			$	-			$	-			$	-			$	27
Consumer and Other
Pass		$	5,934			$	16,790			$	14,758			$	7,053			$	2,872			$	7,846			$	1,803			$	57,056
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				92				92
Doubtful			-				-				-				-				-				-				-				-
		$	5,934			$	16,790			$	14,758			$	7,053			$	2,872			$	7,846			$	1,895			$	57,148
Current period gross write-offs		$	-			$	35			$	29			$	18			$	-			$	1			$	17			$	100

		Term Loans Amortized Cost Basis by Origination Year
		2025				2024				2023				2022				2021				Prior				Revolving				Total
		(In thousands)
Total Loans
Pass		$	25,170			$	99,985			$	110,444			$	128,763			$	70,490			$	126,893			$	73,814			$	635,559
Special Mention			241				427				542				5,061				177				2,011				19				8,478
Substandard			-				311				711				-				604				2,438				300				4,364
Doubtful			-				43				138				1,905				242				1,747				-				4,075
		$	25,411			$	100,766			$	111,835			$	135,729			$	71,513			$	133,089			$	74,133			$	652,476
Current period gross write-offs		$	-			$	35			$	29			$	45			$	-			$	1			$	17			$	127

		Term Loans Amortized Cost Basis by Origination Year
		2024				2023				2022				2021				2020				Prior				Revolving				Total
		(In thousands)
1-4 Family Residential Mortgage
Pass		$	22,095			$	31,871			$	26,756			$	23,181			$	5,824			$	27,218			$	-			$	136,945
Special Mention			-				31				-				-				-				445				-				476
Substandard			-				-				-				-				-				427				-				427
Doubtful			-				-				41				154				73				918				-				1,186
		$	22,095			$	31,902			$	26,797			$	23,335			$	5,897			$	29,008			$	-			$	139,034
Home Equity and Second Mortgage
Pass		$	2,014			$	3,962			$	3,617			$	353			$	182			$	242			$	56,590			$	66,960
Special Mention			-				-				-				-				-				-				80				80
Substandard			-				-				-				-				-				-				147				147
Doubtful			-				-				-				-				-				568				-				568
		$	2,014			$	3,962			$	3,617			$	353			$	182			$	810			$	56,817			$	67,755

		Term Loans Amortized Cost Basis by Origination Year
		2024				2023				2022				2021				2020				Prior				Revolving				Total
		(In thousands)
Multifamily Residential
Pass		$	964			$	3,534			$	11,820			$	8,505			$	7,663			$	4,319			$	-			$	36,805
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
		$	964			$	3,534			$	11,820			$	8,505			$	7,663			$	4,319			$	-			$	36,805
1-4 Family Residential Construction
Pass		$	12,186			$	1,498			$	642			$	-			$	829			$	-			$	-			$	15,155
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				90				-				-				-				90
		$	12,186			$	1,498			$	642			$	90			$	829			$	-			$	-			$	15,245
Other Construction, Development and Land
Pass		$	11,687			$	26,093			$	31,645			$	1,823			$	1,443			$	3,014			$	-			$	75,705
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				47				-				47
Doubtful			-				-				-				-				-				59				-				59
		$	11,687			$	26,093			$	31,645			$	1,823			$	1,443			$	3,120			$	-			$	75,811
Commercial Real Estate
Pass		$	22,024			$	20,478			$	41,583			$	26,748			$	19,760			$	44,237			$	2,129			$	176,959
Special Mention			-				511				3,032				-				-				292				-				3,835
Substandard			311				716				-				557				211				1,704				-				3,499
Doubtful			-				-				-				-				-				413				-				413
		$	22,335			$	21,705			$	44,615			$	27,305			$	19,971			$	46,646			$	2,129			$	184,706

		Term Loans Amortized Cost Basis by Origination Year
		2024				2023				2022				2021				2020				Prior				Revolving				Total
		(In thousands)
Commercial Business
Pass		$	8,414			$	10,636			$	9,590			$	8,699			$	4,750			$	4,543			$	12,895			$	59,527
Special Mention			486				149				130				126				15				-				162				1,068
Substandard			-				-				-				57				-				-				-				57
Doubtful			-				107				1,926				-				-				33				-				2,066
		$	8,900			$	10,892			$	11,646			$	8,882			$	4,765			$	4,576			$	13,057			$	62,718
Consumer and Other
Pass		$	18,932			$	16,555			$	8,274			$	3,574			$	810			$	7,554			$	2,577			$	58,276
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				130				130
Doubtful			-				-				-				-				-				-				-				-
		$	18,932			$	16,555			$	8,274			$	3,574			$	810			$	7,554			$	2,707			$	58,406
Total Loans
Pass		$	98,316			$	114,627			$	133,927			$	72,883			$	41,261			$	91,127			$	74,191			$	626,332
Special Mention			486				691				3,162				126				15				737				242				5,459
Substandard			311				716				-				614				211				2,178				277				4,307
Doubtful			-				107				1,967				244				73				1,991				-				4,382
		$	99,113			$	116,141			$	139,056			$	73,867			$	41,560			$	96,033			$	74,710			$	640,480

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+ References

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- Definition

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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Tabular disclosure of allowance for credit loss of financing receivable, classified as current.

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