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Note 4 - Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2023

Notes Tables

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

		June 30, 2023				December 31, 2022
One-to-four family residential real estate		$	20,448			$	23,133
Multi-family mortgage			542,165				537,394
Nonresidential real estate			120,505				119,705
Commercial loans and leases			495,520				553,056
Consumer			1,355				1,584
			1,179,993				1,234,872
Allowance for credit losses			(9,226	)			(8,129	)
Loans, net		$	1,170,767			$	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
June 30, 2023
Beginning balance		$	354			$	4,714			$	1,347			$	3,576			$	41			$	10,032
Recovery of credit losses			(35	)			(41	)			(102	)			(1	)			(1	)			(180	)
Loans charged off			—				—				—				(638	)			(7	)			(645	)
Recoveries			7				6				—				6				—				19
		$	326			$	4,679			$	1,245			$	2,943			$	33			$	9,226
June 30, 2022
Beginning balance		$	315			$	3,390			$	957			$	2,078			$	46			$	6,786
Provision for (recovery of) credit losses			(31	)			238				134				122				(4	)			459
Loans charged off			(1	)			—				—				(51	)			(15	)			(67	)
Recoveries			3				4				2				—				15				24
		$	286			$	3,632			$	1,093			$	2,149			$	42			$	7,202

		One-to-four family residential real estate				Multi-family mortgage				Nonresidential real estate				Commercial loans and leases				Consumer				Total
For the six months ended
June 30, 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			(66	)			21				(55	)			(17	)			22				(95	)
Loans charged off			—				—				—				(717	)			(29	)			(746	)
Recoveries			12				11				—				7				1				31
		$	326			$	4,679			$	1,245			$	2,943			$	33			$	9,226
June 30, 2022
Beginning balance		$	331			$	3,377			$	1,311			$	1,652			$	44			$	6,715
Provision for (recovery of) credit loss			(45	)			246				(28	)			547				15				735
Loans charged off			(5	)			—				(192	)			(51	)			(33	)			(281	)
Recoveries			5				9				2				1				16				33
		$	286			$	3,632			$	1,093			$	2,149			$	42			$	7,202

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
June 30, 2023
Loans:
Loans individually evaluated		$	78			$	148			$	—			$	23,998			$	—			$	24,224
Loans collectively evaluated			20,370				542,017				120,505				471,522				1,355				1,155,769
		$	20,448			$	542,165			$	120,505			$	495,520			$	1,355			$	1,179,993
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			326				4,679				1,245				2,943				33				9,226
		$	326			$	4,679			$	1,245			$	2,943			$	33			$	9,226

		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								Six Months Ended
																		June 30, 2023								June 30, 2023
		Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized				Average Investment				Interest Income Recognized
June 30, 2023
With no related allowance recorded:
One-to-four family residential real estate		$	80			$	78			$	—			$	—			$	82			$	—			$	80			$	2
Multi-family mortgage			133				148				—				—				148				—				99				—
Commercial loans and leases			24,693				23,998				650				—				13,900				5				8,807				25
		$	24,906			$	24,224			$	650			$	—			$	14,130			$	5			$	8,986			$	27

																		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
June 30, 2023
One-to-four family residential real estate		$	45			$	—
Multi-family mortgage			148				—
Commercial loans and leases			23,965				—
		$	24,158			$	—
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
June 30, 2023
One-to-four family residential real estate loans		$	21			$	2			$	—			$	23			$	45			$	20,380			$	20,448
Multi-family mortgage:
Senior notes			—				—				—				—				148				498,099				498,247
Junior notes			—				—				—				—				—				43,918				43,918
Nonresidential real estate:
Owner occupied			—				—				—				—				—				21,648				21,648
Non-owner occupied			—				—				—				—				—				98,857				98,857
Commercial loans and leases:
Commercial			210				2,209				—				2,419				4,983				246,951				254,353
Equipment finance - Government			—				4,866				—				4,866				18,889				165,319				189,074
Equipment finance - Corporate Investment-grade			—				428				—				428				93				51,572				52,093
Consumer			5				5				—				10				—				1,345				1,355
		$	236			$	7,510			$	—			$	7,746			$	24,158			$	1,148,089			$	1,179,993

		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
June 30, 2023
One-to-four family residential real estate		$	19,988			$	143			$	—			$	272			$	45			$	20,448
Multi-family mortgage			539,400				2,617				—				—				148				542,165
Nonresidential real estate			117,558				2,947				—				—				—				120,505
Commercial loans and leases			452,002				13,651				2,143				3,759				23,965				495,520
Consumer			1,341				4				5				5				—				1,355
		$	1,130,289			$	19,362			$	2,148			$	4,036			$	24,158			$	1,179,993

		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
June 30, 2023
One-to-four family residential real estate loans:
Risk-rating
Pass		$	—			$	—			$	—			$	177			$	—			$	15,595			$	4,216			$	19,988
Watch			—				—				—				—				—				143				—				143
Substandard			—				—				—				—				—				121				151				272
Nonaccrual			—				—				—				—				—				19				26				45
		$	—			$	—			$	—			$	177			$	—			$	15,878			$	4,393			$	20,448
One-to-four family residential real estate loans:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	12			$	—			$	12
		$	—			$	—			$	—			$	—			$	—			$	12			$	—			$	12
Multi-family mortgage:
Risk rating
Pass		$	30,387			$	215,111			$	124,335			$	61,456			$	23,685			$	75,795			$	8,631			$	539,400
Watch			—				—				—				—				—				2,617				—				2,617
Nonaccrual			—				—				—				—				—				148				—				148
		$	30,387			$	215,111			$	124,335			$	61,456			$	23,685			$	78,560			$	8,631			$	542,165
Multi-family mortgage:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	11			$	—			$	11
		$	—			$	—			$	—			$	—			$	—			$	11			$	—			$	11
Nonresidential real estate:
Risk rating
Pass		$	9,525			$	54,207			$	20,822			$	8,542			$	9,868			$	14,340			$	254			$	117,558
Watch			—				1,015				1,590				—				—				342				—				2,947
		$	9,525			$	55,222			$	22,412			$	8,542			$	9,868			$	14,682			$	254			$	120,505
Commercial loans and leases :
Risk rating
Pass		$	30,242			$	187,329			$	91,671			$	59,239			$	6,888			$	3,871			$	72,762			$	452,002
Watch			—				527				26				402				26				—				12,670				13,651
Special mention			—				2,143				—				—				—				—				—				2,143
Substandard			—				—				—				33				—				—				3,726				3,759
Nonaccrual			—				22,484				547				934				—				—				—				23,965
		$	30,242			$	212,483			$	92,244			$	60,608			$	6,914			$	3,871			$	89,158			$	495,520
Commercial loans and leases :
Current period gross charge-offs		$	—			$	(717	)		$	—			$	—			$	—			$	—			$	—			$	(717	)
Current period recoveries			—				—				7				—				—				—				—				7
		$	—			$	(717	)		$	7			$	—			$	—			$	—			$	—			$	(710	)
Consumer:
Risk rating
Pass		$	134			$	18			$	172			$	159			$	306			$	3			$	549			$	1,341
Watch			—				—				—				—				—				—				4				4
Special mention			—				—				—				—				—				—				5				5
Substandard			—				—				—				—				—				—				5				5
		$	134			$	18			$	172			$	159			$	306			$	3			$	563			$	1,355
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(29	)		$	(29	)
Current period recoveries			—				—				—				—				—				—				1				1
		$	—			$	—			$	—			$	—			$	—			$	—			$	(28	)		$	(28	)

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