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Note 4 - Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

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

		December 31,
		2023				2022
One-to-four family residential real estate		$	18,945			$	23,133
Multi-family residential real estate			527,460				537,394
Nonresidential real estate			118,016				119,705
Commercial loans and leases			393,321				553,056
Consumer			1,364				1,584
			1,059,106				1,234,872
Allowance for credit losses			(8,345	)			(8,129	)
Loans, net		$	1,050,761			$	1,226,743

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

		One-to-four family residential real estate				Multi-family residential real estate				Nonresidential real estate				Commercial loans and leases				Consumer				Total
December 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			(129	)			(118	)			(134	)			732				44				395
Loans charged off			(1	)			—				—				(2,176	)			(52	)			(2,229	)
Recoveries			45				20				—				77				1				143
		$	295			$	4,549			$	1,166			$	2,303			$	32			$	8,345
December 31, 2022
Beginning balance		$	331			$	3,377			$	1,311			$	1,652			$	44			$	6,715
Provision for credit losses			15				620				111				1,032				50				1,828
Loans charged off			(76	)			—				(192	)			(156	)			(61	)			(485	)
Recoveries			11				20				4				20				16				71
		$	281			$	4,017			$	1,234			$	2,548			$	49			$	8,129

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

		One-to-four family residential real estate				Multi-family residential real estate				Nonresidential real estate				Commercial loans and leases				Consumer				Total
December 31, 2023
Loans:
Loans individually evaluated		$	67			$	—			$	—			$	21,982			$	—			$	22,049
Loans collectively evaluated			18,878				527,460				118,016				371,339				1,364				1,037,057
		$	18,945			$	527,460			$	118,016			$	393,321			$	1,364			$	1,059,106
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			295				4,549				1,166				2,303				32				8,345
		$	295			$	4,549			$	1,166			$	2,303			$	32			$	8,345

		One-to-four family residential real estate				Multi-family residential real estate				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 1 [Table Text Block]

		Loan Balance				Recorded Investment				Partial Charge- off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized
December 31, 2023
With no related allowance recorded
One-to-four family residential real estate		$	66			$	67			$	—			$	—			$	76			$	4
Commercial loans and leases			24,036				21,982				469				—				16,542				35
		$	24,102			$	22,049			$	469			$	—			$	16,618			$	39
December 31, 2022
With no related allowance recorded
One-to-four family residential real estate		$	752			$	752			$	—			$	—			$	1,143			$	29
Multi-family residential real estate			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				Loans Past Due Over 90 Days, still accruing
December 31, 2023
One-to-four family residential real estate		$	37			$	—
Commercial loans and leases			21,294				1,007
		$	21,331			$	1,007
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
December 31, 2023
One-to-four family residential real estate loans		$	12			$	18			$	—			$	30			$	37			$	18,878			$	18,945
Multi-family residential real estate:
Senior notes			—				—				—				—				—				485,281				485,281
Junior notes			—				—				—				—				—				42,179				42,179
Nonresidential real estate:
Owner occupied			—				—				—				—				—				20,901				20,901
Non-owner occupied			—				—				—				—				—				97,115				97,115
Commercial loans and leases:
Commercial			234				26				666				926				2,285				208,770				211,981
Equipment finance - Government			3,147				5,028				—				8,175				18,956				105,134				132,265
Equipment finance - Corporate Investment-grade			7				—				341				348				53				48,674				49,075
Consumer			8				5				—				13				—				1,351				1,364
		$	3,408			$	5,077			$	1,007			$	9,492			$	21,331			$	1,028,283			$	1,059,106

		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 residential real estate:
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
December 31, 2023
One-to-four family residential real estate		$	18,492			$	144			$	—			$	272			$	37			$	18,945
Multi-family residential real estate			518,538				7,589				1,333				—				—				527,460
Nonresidential real estate			114,155				3,861				—				—				—				118,016
Commercial loans and leases			340,623				16,761				10,587				4,056				21,294				393,321
Consumer			1,349				7				5				3				—				1,364
		$	993,157			$	28,362			$	11,925			$	4,331			$	21,331			$	1,059,106

		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 residential real estate			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
December 31, 2023
One-to-four family residential real estate loans:
Risk-rating
Pass		$	489			$	—			$	—			$	130			$	—			$	14,069			$	3,804			$	18,492
Watch			—				—				—				—				—				144				—				144
Substandard			—				—				—				—				—				127				145				272
Nonaccrual			—				—				—				—				—				16				21				37
		$	489			$	—			$	—			$	130			$	—			$	14,356			$	3,970			$	18,945
One-to-four family residential real estate loans:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	(1	)		$	—			$	(1	)
Current period recoveries			—				—				—				—				—				45				—				45
		$	—			$	—			$	—			$	—			$	—			$	44			$	—			$	44
Multi-family residential real estate:
Risk rating
Pass		$	43,386			$	210,878			$	108,563			$	57,480			$	22,064			$	67,432			$	8,735			$	518,538
Watch			—				647				4,104				263				—				2,575				—				7,589
Special mention			118				1,215				—				—				—				—				—				1,333
		$	43,504			$	212,740			$	112,667			$	57,743			$	22,064			$	70,007			$	8,735			$	527,460
Multi-family residential real estate:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	20			$	—			$	20
		$	—			$	—			$	—			$	—			$	—			$	20			$	—			$	20
Nonresidential real estate:
Risk rating
Pass		$	17,618			$	50,898			$	20,436			$	7,787			$	9,024			$	8,288			$	104			$	114,155
Watch			—				2,358				1,503				—				—				—				—				3,861
		$	17,618			$	53,256			$	21,939			$	7,787			$	9,024			$	8,288			$	104			$	118,016
Commercial loans and leases:
Risk rating
Pass		$	43,972			$	130,444			$	62,280			$	32,633			$	3,028			$	1,379			$	66,887			$	340,623
Watch			6,043				7,171				748				371				—				—				2,428				16,761
Special mention			—				—				—				—				—				—				10,587				10,587
Substandard			—				666				—				22				—				—				3,368				4,056
Nonaccrual			11				20,204				524				555				—				—				—				21,294
		$	50,026			$	158,485			$	63,552			$	33,581			$	3,028			$	1,379			$	83,270			$	393,321
Commercial loans and leases:
Current period gross charge-offs		$	(20	)		$	(1,850	)		$	—			$	(306	)		$	—			$	—			$	—			$	(2,176	)
Current period recoveries			—				—				37				40				—				—				—				77
		$	(20	)		$	(1,850	)		$	37			$	(266	)		$	—			$	—			$	—			$	(2,099	)
Consumer:
Risk rating
Pass		$	336			$	8			$	140			$	80			$	247			$	—			$	538			$	1,349
Watch			—				—				—				—				—				—				7				7
Special mention			—				—				—				—				—				—				5				5
Substandard			—				—				—				—				—				—				3				3
		$	336			$	8			$	140			$	80			$	247			$	—			$	553			$	1,364
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(52	)		$	(52	)
Current period recoveries			—				—				—				—				—				—				1				1
		$	—			$	—			$	—			$	—			$	—			$	—			$	(51	)		$	(51	)

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