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Note 4 - Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

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

		March 31, 2023				December 31, 2022
One-to-four family residential real estate		$	21,475			$	23,133
Multi-family mortgage			544,673				537,394
Nonresidential real estate			123,360				119,705
Commercial loans and leases			544,216				553,056
Consumer			1,596				1,584
			1,235,320				1,234,872
Allowance for credit losses			(10,032	)			(8,129	)
Loans, net		$	1,225,288			$	1,226,743

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

		One-to-four family residential real estate				Multi-family mortgage				Nonresidential real estate				Commercial loans and leases				Consumer				Total
For the three months ended
March 31, 2023
Beginning balance, prior to adoption of ASC 326		$	281			$	4,017			$	1,234			$	2,548			$	49			$	8,129
Impact of adopting ASC 326			99				630				66				1,122				(10	)			1,907
Beginning balance, after adoption of ASC 326			380				4,647				1,300				3,670				39				10,036
Provision for (recovery of) credit losses			(31	)			62				47				(16	)			23				85
Loans charged off			—				—				—				(79	)			(22	)			(101	)
Recoveries			5				5				—				1				1				12
		$	354			$	4,714			$	1,347			$	3,576			$	41			$	10,032
March 31, 2022
Beginning balance		$	331			$	3,377			$	1,311			$	1,652			$	44			$	6,715
Provision for (recovery of) credit losses			(14	)			8				(162	)			425				19				276
Loans charged off			(4	)			—				(192	)			—				(18	)			(214	)
Recoveries			2				5				—				1				1				9
		$	315			$	3,390			$	957			$	2,078			$	46			$	6,786

Financing Receivable and Allowance for Loan Losses Based on Impairment Method [Table Text Block]

		One-to-four family residential real estate				Multi-family mortgage				Nonresidential real estate				Commercial loans and leases				Consumer				Total
March 31, 2023
Loans:
Loans individually evaluated		$	89			$	148			$	—			$	8,848			$	—			$	9,085
Loans collectively evaluated			21,386				544,525				123,360				535,368				1,596				1,226,235
		$	21,475			$	544,673			$	123,360			$	544,216			$	1,596			$	1,235,320
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			354				4,714				1,347				3,576				41				10,032
		$	354			$	4,714			$	1,347			$	3,576			$	41			$	10,032

		One-to-four family residential real estate				Multi-family mortgage				Nonresidential real estate				Commercial loans and leases				Consumer				Total
December 31, 2022
Loans:
Loans individually evaluated		$	752			$	473			$	—			$	1,487			$	—			$	2,712
Loans collectively evaluated			22,381				536,921				119,705				551,569				1,584				1,232,160
		$	23,133			$	537,394			$	119,705			$	553,056			$	1,584			$	1,234,872
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			281				4,017				1,234				2,548				49				8,129
		$	281			$	4,017			$	1,234			$	2,548			$	49			$	8,129

Impaired Financing Receivables [Table Text Block]

																		Three Months Ended
																		March 31, 2023
		Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized
March 31, 2023
With no related allowance recorded:
One-to-four family residential real estate		$	87			$	89			$	—			$	—			$	78			$	2
Multi-family mortgage			133				148				—				—				49				—
Commercial loans and leases			8,958				8,848				50				—				3,714				—
		$	9,178			$	9,085			$	50			$	—			$	3,841			$	2

																		Year ended
																		December 31, 2022
		Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized
December 31, 2022
With no related allowance recorded:
One-to-four family residential real estate		$	752			$	752			$	—			$	—			$	1,143			$	29
Multi-family mortgage			473				473				—				—				590				27
Commercial loans and leases			1,606				1,487				49				—				445				47
		$	2,831			$	2,712			$	49			$	—			$	2,178			$	103

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual				Loans Past Due Over 90 Days Still Accruing
March 31, 2023
One-to-four family residential real estate		$	55			$	—
Commercial loans and leases			8,807				—
		$	8,862			$	—
December 31, 2022
One-to-four family residential real estate		$	92			$	—
Commercial loans and leases			1,310				238
Consumer			5				—
		$	1,407			$	238

Financing Receivable, Past Due [Table Text Block]

		30-59 Days Past Due				60-89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Nonaccrual				Current				Total
March 31, 2023
One-to-four family residential real estate loans		$	496			$	16			$	—			$	512			$	55			$	20,908			$	21,475
Multi-family mortgage:
Senior notes			786				148				—				934				—				500,517				501,451
Junior notes			362				185				—				547				—				42,675				43,222
Nonresidential real estate:
Owner occupied			—				—				—				—				—				22,264				22,264
Non-owner occupied			—				—				—				—				—				101,096				101,096
Commercial loans and leases:
Commercial			5,106				1,139				—				6,245				384				278,775				285,404
Equipment finance - Government			6,421				423				—				6,844				8,420				187,672				202,936
Equipment finance - Corporate Investment-grade			794				—				—				794				3				55,079				55,876
Consumer			6				5				—				11				—				1,585				1,596
		$	13,971			$	1,916			$	—			$	15,887			$	8,862			$	1,210,571			$	1,235,320

		30-59 Days Past Due				60-89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Nonaccrual				Current				Total
December 31, 2022
One-to-four family residential real estate loans		$	411			$	19			$	—			$	430			$	92			$	22,611			$	23,133
Multi-family mortgage:
Senior notes			31				—				—				31				—				494,957				494,988
Junior notes			—				—				—				—				—				42,406				42,406
Nonresidential real estate:
Owner occupied			—				—				—				—				—				22,617				22,617
Non-owner occupied			—				—				—				—				—				97,088				97,088
Commercial loans and leases:
Commercial			2,424				336				111				2,871				1,310				279,272				283,453
Equipment finance - Government			2,034				5,106				—				7,140				—				204,443				211,583
Equipment finance - Corporate Investment-grade			—				81				127				208				—				57,812				58,020
Consumer			12				4				—				16				5				1,563				1,584
		$	4,912			$	5,546			$	238			$	10,696			$	1,407			$	1,222,769			$	1,234,872

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass				Watch				Special Mention				Substandard				Substandard Nonaccrual				Total
March 31, 2023
One-to-four family residential real estate		$	21,080			$	44			$	16			$	280			$	55			$	21,475
Multi-family mortgage			541,885				2,640				—				148				—				544,673
Nonresidential real estate			120,351				3,009				—				—				—				123,360
Commercial loans and leases			505,882				14,283				11,398				3,846				8,807				544,216
Consumer			1,581				5				5				5				—				1,596
		$	1,190,779			$	19,981			$	11,419			$	4,279			$	8,862			$	1,235,320

		Pass				Watch				Special Mention				Substandard				Substandard Nonaccrual				Total
December 31, 2022
One-to-four family residential real estate		$	22,648			$	62			$	4			$	327			$	92			$	23,133
Multi-family mortgage			534,253				3,141				—				—				—				537,394
Nonresidential real estate			116,635				3,070				—				—				—				119,705
Commercial loans and leases			523,889				22,299				1,517				4,041				1,310				553,056
Consumer			1,559				12				4				4				5				1,584
		$	1,198,984			$	28,584			$	1,525			$	4,372			$	1,407			$	1,234,872

		Term Loans Amortized Cost Basis by Origination Year
		2023				2022				2021				2020				2019				Prior				Revolving loans				Total
March 31, 2023
One-to-four family residential real estate loans:
Risk-rating
Pass		$	—			$	151			$	—			$	200			$	—			$	16,109			$	4,620			$	21,080
Watch			—				—				—				—				—				44				—				44
Special mention			—				—				—				—				—				16				—				16
Substandard			—				—				—				—				—				128				152				280
Nonaccrual			—				—				—				—				—				26				29				55
		$	—			$	151			$	—			$	200			$	—			$	16,323			$	4,801			$	21,475
One-to-four family residential real estate loans:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	5			$	—			$	5
		$	—			$	—			$	—			$	—			$	—			$	5			$	—			$	5
Multi-family mortgage:
Risk rating
Pass		$	20,500			$	217,091			$	125,506			$	63,839			$	23,907			$	82,363			$	8,679			$	541,885
Watch			—				—				—				—				—				2,640				—				2,640
Substandard			—				—				—				—				—				148				—				148
		$	20,500			$	217,091			$	125,506			$	63,839			$	23,907			$	85,151			$	8,679			$	544,673
Multi-family mortgage:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	5			$	—			$	5
		$	—			$	—			$	—			$	—			$	—			$	5			$	—			$	5
Nonresidential real estate:
Risk rating
Pass		$	8,759			$	54,580			$	22,232			$	8,660			$	10,171			$	15,695			$	254			$	120,351
Watch			—				1,030				1,632				—				—				347				—				3,009
		$	8,759			$	55,610			$	23,864			$	8,660			$	10,171			$	16,042			$	254			$	123,360
Commercial loans and leases :
Risk rating
Pass		$	23,848			$	213,313			$	102,419			$	65,130			$	9,314			$	5,771			$	86,087			$	505,882
Watch			393				121				43				1,648				33				65				11,980				14,283
Special mention			—				11,050				—				—				—				—				348				11,398
Substandard			—				—				—				40				58				—				3,748				3,846
Nonaccrual			—				8,494				4				306				3				—				—				8,807
		$	24,241			$	232,978			$	102,466			$	67,124			$	9,408			$	5,836			$	102,163			$	544,216
Commercial loans and leases :
Current period gross charge-offs		$	—			$	(79	)		$	—			$	—			$	—			$	—			$	—			$	(79	)
Current period recoveries			—				—				—				—				—				1				—				1
		$	—			$	(79	)		$	—			$	—			$	—			$	1			$	—			$	(78	)
Consumer:
Risk rating
Pass		$	84			$	134			$	247			$	160			$	335			$	5			$	616			$	1,581
Watch			—				—				—				—				—				—				5				5
Special mention			—				—				—				—				—				—				5				5
Substandard			—				—				—				—				—				—				5				5
		$	84			$	134			$	247			$	160			$	335			$	5			$	631			$	1,596
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(22	)		$	(22	)
Current period recoveries			—				—				—				—				—				—				1				1
		$	—			$	—			$	—			$	—			$	—			$	—			$	(21	)		$	(21	)

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