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Note 4 - Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2024

Notes Tables

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

		March 31, 2024				December 31, 2023
One-to-four family residential real estate		$	18,247			$	18,945
Multi-family residential real estate			526,087				527,460
Nonresidential real estate			110,319				118,016
Commercial loans and leases			360,328				393,321
Consumer			1,248				1,364
			1,016,229				1,059,106
Allowance for credit losses			(8,249	)			(8,345	)
Loans, net		$	1,007,980			$	1,050,761

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
For the three months ended
March 31, 2024
Beginning balance		$	295			$	4,549			$	1,166			$	2,303			$	32			$	8,345
Provision for (recovery of) credit losses			33				264				278				(529	)			15				61
Loans charged off			—				—				—				(158	)			(13	)			(171	)
Recoveries			3				6				—				5				—				14
		$	331			$	4,819			$	1,444			$	1,621			$	34			$	8,249
March 31, 2023
Beginning balance		$	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

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
March 31, 2024
Loans:
Loans individually evaluated		$	61			$	—			$	—			$	20,908			$	—			$	20,969
Loans collectively evaluated			18,186				526,087				110,319				339,420				1,248				995,260
		$	18,247			$	526,087			$	110,319			$	360,328			$	1,248			$	1,016,229
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			331				4,819				1,444				1,621				34				8,249
		$	331			$	4,819			$	1,444			$	1,621			$	34			$	8,249

		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

Impaired Financing Receivables 1 [Table Text Block]

																		Three Months Ended
																		March 31, 2024
		Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized
March 31, 2024
With no related allowance recorded:
One-to-four family residential real estate		$	61			$	61			$	—			$	—			$	62			$	1
Commercial loans and leases			21,707				20,908				560				—				21,077				14
		$	21,768			$	20,969			$	560			$	—			$	21,139			$	15

																		Year ended
																		December 31, 2023
		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

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual				Loans Past Due Over 90 Days Still Accruing
March 31, 2024
One-to-four family residential real estate		$	34			$	—
Commercial loans and leases			20,475				—
		$	20,509			$	—
December 31, 2023
One-to-four family residential real estate		$	37			$	—
Commercial loans and leases			21,294				1,007
		$	21,331			$	1,007

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, 2024
One-to-four family residential real estate loans		$	544			$	—			$	—			$	544			$	34			$	17,669			$	18,247
Multi-family residential real estate:
Senior notes			112				—				—				112				—				484,301				484,413
Junior notes			—				—				—				—				—				41,674				41,674
Nonresidential real estate:
Owner occupied			—				—				—				—				—				15,712				15,712
Non-owner occupied			380				—				—				380				—				94,227				94,607
Commercial loans and leases:
Commercial			1,007				15				—				1,022				1,586				193,324				195,932
Equipment finance - Government			442				—				—				442				18,889				102,470				121,801
Equipment finance - Corporate Investment-grade			1,884				—				—				1,884				—				40,711				42,595
Consumer			6				2				—				8				—				1,240				1,248
		$	4,375			$	17			$	—			$	4,392			$	20,509			$	991,328			$	1,016,229

		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

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass				Watch				Special Mention				Substandard				Substandard Nonaccrual				Total
March 31, 2024
One-to-four family residential real estate		$	17,945			$	64			$	—			$	204			$	34			$	18,247
Multi-family residential real estate			517,153				7,548				1,386				—				—				526,087
Nonresidential real estate			105,444				3,974				436				465				—				110,319
Commercial loans and leases			312,045				16,150				8,052				3,606				20,475				360,328
Consumer			1,237				4				2				5				—				1,248
		$	953,824			$	27,740			$	9,876			$	4,280			$	20,509			$	1,016,229

		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

		Term Loans Amortized Cost Basis by Origination Year
		2024				2023				2022				2021				2020				Prior				Revolving loans				Total
March 31, 2024
One-to-four family residential real estate loans:
Risk-rating
Pass		$	—			$	488			$	—			$	—			$	107			$	13,758			$	3,592			$	17,945
Watch			—				—				—				—				—				64				—				64
Substandard			—				—				—				—				—				62				142				204
Nonaccrual			—				—				—				—				—				15				19				34
		$	—			$	488			$	—			$	—			$	107			$	13,899			$	3,753			$	18,247
One-to-four family residential real estate loans:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	3			$	—			$	3
		$	—			$	—			$	—			$	—			$	—			$	3			$	—			$	3
Multi-family residential real estate:
Risk rating
Pass		$	5,309			$	43,174			$	209,640			$	107,835			$	56,859			$	86,154			$	8,182			$	517,153
Watch			—				—				643				4,083				261				2,561				—				7,548
Special mention			—				173				1,213				—				—				—				—				1,386
		$	5,309			$	43,347			$	211,496			$	111,918			$	57,120			$	88,715			$	8,182			$	526,087
Multi-family residential real estate:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	6			$	—			$	6
		$	—			$	—			$	—			$	—			$	—			$	6			$	—			$	6
Nonresidential real estate:
Risk rating
Pass		$	7,845			$	15,491			$	46,817			$	15,257			$	7,672			$	12,260			$	102			$	105,444
Watch			665				—				1,850				1,459				—				—				—				3,974
Special mention			—				—				436				—				—				—				—				436
Substandard			465				—				—				—				—				—				—				465
		$	8,975			$	15,491			$	49,103			$	16,716			$	7,672			$	12,260			$	102			$	110,319
Commercial loans and leases :
Risk rating
Pass		$	3,386			$	39,005			$	117,372			$	54,076			$	27,732			$	2,944			$	67,530			$	312,045
Watch			—				5,806				6,731				488				279				—				2,846				16,150
Special mention			—				—				—				—				—				—				8,052				8,052
Substandard			—				—				409				11				13				—				3,173				3,606
Nonaccrual			—				11				19,539				437				488				—				—				20,475
		$	3,386			$	44,822			$	144,051			$	55,012			$	28,512			$	2,944			$	81,601			$	360,328
Commercial loans and leases :
Current period gross charge-offs		$	—			$	(1	)		$	(109	)		$	(43	)		$	(5	)		$	—			$	—			$	(158	)
Current period recoveries			—				—				—				5				—				—				—				5
		$	—			$	(1	)		$	(109	)		$	(38	)		$	(5	)		$	—			$	—			$	(153	)
Consumer:
Risk rating
Pass		$	14			$	229			$	7			$	138			$	79			$	198			$	572			$	1,237
Watch			—				—				—				—				—				—				4				4
Special mention			—				—				—				—				—				—				2				2
Substandard			—				—				—				—				—				—				5				5
		$	14			$	229			$	7			$	138			$	79			$	198			$	583			$	1,248
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(13	)		$	(13	)
		$	—			$	—			$	—			$	—			$	—			$	—			$	(13	)		$	(13	)

		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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