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Note 4 - Loans Receivable (Tables)

9 Months Ended

Sep. 30, 2023

Notes Tables

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

		September 30, 2023				December 31, 2022
One-to-four family residential real estate		$	19,233			$	23,133
Multi-family mortgage			528,251				537,394
Nonresidential real estate			117,641				119,705
Commercial loans and leases			447,687				553,056
Consumer			1,351				1,584
			1,114,163				1,234,872
Allowance for credit losses			(8,559	)			(8,129	)
Loans, net		$	1,105,604			$	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
September 30, 2023
Beginning balance		$	326			$	4,679			$	1,245			$	2,943			$	33			$	9,226
Provision for (recovery of) credit losses			(62	)			(136	)			(95	)			461				12				180
Loans charged off			—				—				—				(889	)			(14	)			(903	)
Recoveries			32				4				—				20				—				56
		$	296			$	4,547			$	1,150			$	2,535			$	31			$	8,559
September 30, 2022
Beginning balance		$	286			$	3,632			$	1,093			$	2,149			$	42			$	7,202
Provision for (recovery of) credit losses			98				(72	)			67				171				86				350
Loans charged off			(71	)			—				—				(104	)			(16	)			(191	)
Recoveries			2				6				2				15				—				25
		$	315			$	3,566			$	1,162			$	2,231			$	112			$	7,386

		One-to-four family residential real estate				Multi-family mortgage				Nonresidential real estate				Commercial loans and leases				Consumer				Total
For the nine months ended
September 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			(128	)			(115	)			(150	)			444				34				85
Loans charged off			—				—				—				(1,606	)			(43	)			(1,649	)
Recoveries			44				15				—				27				1				87
		$	296			$	4,547			$	1,150			$	2,535			$	31			$	8,559
September 30, 2022
Beginning balance		$	331			$	3,377			$	1,311			$	1,652			$	44			$	6,715
Provision for credit losses			53				174				39				718				101				1,085
Loans charged off			(76	)			—				(192	)			(155	)			(49	)			(472	)
Recoveries			7				15				4				16				16				58
		$	315			$	3,566			$	1,162			$	2,231			$	112			$	7,386

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
September 30, 2023
Loans:
Loans individually evaluated		$	72			$	—			$	—			$	25,638			$	—			$	25,710
Loans collectively evaluated			19,161				528,251				117,641				422,049				1,351				1,088,453
		$	19,233			$	528,251			$	117,641			$	447,687			$	1,351			$	1,114,163
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			296				4,547				1,150				2,535				31				8,559
		$	296			$	4,547			$	1,150			$	2,535			$	31			$	8,559

		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								Nine Months Ended
																		September 30, 2023								September 30, 2023
		Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized				Average Investment				Interest Income Recognized
September 30, 2023
With no related allowance recorded:
One-to-four family residential real estate		$	70			$	72			$	—			$	—			$	73			$	1			$	78			$	3
Commercial loans and leases			27,222				25,638				1,538				—				24,544				5				14,053				30
		$	27,292			$	25,710			$	1,538			$	—			$	24,617			$	6			$	14,131			$	33

																		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
September 30, 2023
One-to-four family residential real estate		$	40			$	—
Commercial loans and leases			23,468				6,245
		$	23,508			$	6,245
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
September 30, 2023
One-to-four family residential real estate loans		$	—			$	2			$	—			$	2			$	40			$	19,191			$	19,233
Multi-family mortgage:
Senior notes			—				2,091				—				2,091				—				483,858				485,949
Junior notes			—				—				—				—				—				42,302				42,302
Nonresidential real estate:
Owner occupied			—				—				—				—				—				21,423				21,423
Non-owner occupied			—				—				—				—				—				96,218				96,218
Commercial loans and leases:
Commercial			187				31				2,144				2,362				4,512				224,815				231,689
Equipment finance - Government			2,001				13,529				4,101				19,631				18,889				123,568				162,088
Equipment finance - Corporate Investment-grade			—				213				—				213				67				53,630				53,910
Consumer			4				3				—				7				—				1,344				1,351
		$	2,192			$	15,869			$	6,245			$	24,306			$	23,508			$	1,066,349			$	1,114,163

		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
September 30, 2023
One-to-four family residential real estate		$	18,870			$	41			$	—			$	282			$	40			$	19,233
Multi-family mortgage			523,406				3,510				1,335				—				—				528,251
Nonresidential real estate			113,354				4,287				—				—				—				117,641
Commercial loans and leases			391,602				26,932				—				5,685				23,468				447,687
Consumer			1,340				5				3				3				—				1,351
		$	1,048,572			$	34,775			$	1,338			$	5,970			$	23,508			$	1,114,163

		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
September 30, 2023
One-to-four family residential real estate loans:
Risk-rating
Pass		$	—			$	—			$	—			$	154			$	—			$	14,799			$	3,917			$	18,870
Watch			—				—				—				—				—				41				—				41
Substandard			—				—				—				—				—				134				148				282
Nonaccrual			—				—				—				—				—				17				23				40
		$	—			$	—			$	—			$	154			$	—			$	14,991			$	4,088			$	19,233
One-to-four family residential real estate loans:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	44			$	—			$	44
		$	—			$	—			$	—			$	—			$	—			$	44			$	—			$	44
Multi-family mortgage:
Risk rating
Pass		$	38,554			$	211,954			$	113,728			$	59,159			$	22,304			$	69,481			$	8,226			$	523,406
Watch			—				650				—				264				—				2,596				—				3,510
Special mention			—				1,335				—				—				—				—				—				1,335
		$	38,554			$	213,939			$	113,728			$	59,423			$	22,304			$	72,077			$	8,226			$	528,251
Multi-family mortgage:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	15			$	—			$	15
		$	—			$	—			$	—			$	—			$	—			$	15			$	—			$	15
Nonresidential real estate:
Risk rating
Pass		$	11,692			$	51,053			$	20,622			$	7,900			$	9,773			$	12,210			$	104			$	113,354
Watch			—				2,567				1,547				—				—				173				—				4,287
		$	11,692			$	53,620			$	22,169			$	7,900			$	9,773			$	12,383			$	104			$	117,641
Commercial loans and leases :
Risk rating
Pass		$	41,000			$	150,387			$	77,204			$	46,837			$	4,618			$	2,319			$	69,237			$	391,602
Watch			4,101				8,114				1,006				353				—				—				13,358				26,932
Substandard			—				2,143				—				27				—				—				3,515				5,685
Nonaccrual			11				22,028				540				889				—				—				—				23,468
		$	45,112			$	182,672			$	78,750			$	48,106			$	4,618			$	2,319			$	86,110			$	447,687
Commercial loans and leases :
Current period gross charge-offs		$	(20	)		$	(1,586	)		$	—			$	—			$	—			$	—			$	—			$	(1,606	)
Current period recoveries			—				—				27				—				—				—				—				27
		$	(20	)		$	(1,586	)		$	27			$	—			$	—			$	—			$	—			$	(1,579	)
Consumer:
Risk rating
Pass		$	167			$	11			$	146			$	159			$	278			$	—			$	579			$	1,340
Watch			—				—				—				—				—				—				5				5
Special mention			—				—				—				—				—				—				3				3
Substandard			—				—				—				—				—				—				3				3
		$	167			$	11			$	146			$	159			$	278			$	—			$	590			$	1,351
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(43	)		$	(43	)
Current period recoveries			—				—				—				—				—				—				1				1
		$	—			$	—			$	—			$	—			$	—			$	—			$	(42	)		$	(42	)

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