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Note 4 - Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Beginning Balance | $ 8,345,000 |
Provision for credit losses - loans | 5,081,000 | $ 395,000
Loans charged off | (5,916,000) | (2,229,000)
Recoveries | 61,000 | 143,000
Ending balance | 7,571,000 | 8,345,000
Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 8,129,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 1,907,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 10,036,000
Commercial Portfolio Segment [Member] |  |
Beginning Balance | 2,303,000 |
Ending balance | 1,146,000 | 2,303,000
Consumer Portfolio Segment [Member] |  |
Beginning Balance | 32,000 | 49,000
Provision for credit losses - loans |  | 44,000
Loans charged off |  | (52,000)
Recoveries |  | 1,000
Ending balance | 48,000 | 32,000
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | (10,000)
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 39,000
Home Equity and Junior Liens [Member] | Real Estate Portfolio [Member] |  |
Beginning Balance | 75,000 |
Provision for credit losses - loans | (21,000) | (26,000)
Loans charged off | 0 | 0
Recoveries | 0 | 0
Ending balance | 54,000 | 75,000
Home Equity and Junior Liens [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 84,000
Home Equity and Junior Liens [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 17,000
Home Equity and Junior Liens [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 101,000
One to Four Family First Liens [Member] | Real Estate Portfolio [Member] |  |
Beginning Balance | 220,000 |
Provision for credit losses - loans | (31,000) | (103,000)
Loans charged off | 0 | (1,000)
Recoveries | 28,000 | 45,000
Ending balance | 217,000 | 220,000
One to Four Family First Liens [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 197,000
One to Four Family First Liens [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 82,000
One to Four Family First Liens [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 279,000
Multi Family Residential Real Estate, Senior Notes [Member] | Real Estate Portfolio [Member] |  |
Beginning Balance | 4,178,000 |
Provision for credit losses - loans | 129,000 | (95,000)
Loans charged off | (5,000) | 0
Recoveries | 18,000 | 20,000
Ending balance | 4,320,000 | 4,178,000
Multi Family Residential Real Estate, Senior Notes [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 3,519,000
Multi Family Residential Real Estate, Senior Notes [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 734,000
Multi Family Residential Real Estate, Senior Notes [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 4,253,000
Multi Family Residential Real Estate, Junior Notes [Member] | Real Estate Portfolio [Member] |  |
Beginning Balance | 371,000 |
Provision for credit losses - loans | 73,000 | (23,000)
Loans charged off | 0 | 0
Recoveries | 0 | 0
Ending balance | 444,000 | 371,000
Multi Family Residential Real Estate, Junior Notes [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 498,000
Multi Family Residential Real Estate, Junior Notes [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | (104,000)
Multi Family Residential Real Estate, Junior Notes [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 394,000
Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] |  |
Beginning Balance | 144,000 |
Provision for credit losses - loans | 36,000 | (31,000)
Loans charged off | 0 | 0
Recoveries | 0 | 0
Ending balance | 180,000 | 144,000
Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 252,000
Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | (77,000)
Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 175,000
Non-Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] |  |
Beginning Balance | 1,022,000 |
Provision for credit losses - loans | 140,000 | (103,000)
Loans charged off | 0 | 0
Recoveries | 0 | 0
Ending balance | 1,162,000 | 1,022,000
Non-Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 982,000
Non-Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 143,000
Non-Owner Occupied Nonresidential Real Estate [Member] | Real Estate Portfolio [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 1,125,000
Commercial Loans and Leases [Member] | Real Estate Portfolio [Member] |  |
Provision for credit losses - loans | (405,000) |
Loans charged off | (629,000) |
Recoveries | 14,000 |
Ending balance | 944,000 |
Commercial Loans and Leases [Member] | Commercial Portfolio Segment [Member] |  |
Beginning Balance | 1,964,000 |
Provision for credit losses - loans |  | 896,000
Loans charged off |  | (2,176,000)
Recoveries |  | 77,000
Ending balance |  | 1,964,000
Commercial Loans and Leases [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 2,324,000
Commercial Loans and Leases [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 843,000
Commercial Loans and Leases [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 3,167,000
Commercial Loans and Leases, Equipment Finance, Government [Member] | Real Estate Portfolio [Member] |  |
Provision for credit losses - loans | 5,150,000 |
Loans charged off | (5,238,000) |
Recoveries | 0 |
Ending balance | 60,000 |
Commercial Loans and Leases, Equipment Finance, Government [Member] | Commercial Portfolio Segment [Member] |  |
Beginning Balance | 148,000 |
Provision for credit losses - loans |  | (135,000)
Loans charged off |  | 0
Recoveries |  | 0
Ending balance |  | 148,000
Commercial Loans and Leases, Equipment Finance, Government [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 157,000
Commercial Loans and Leases, Equipment Finance, Government [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 126,000
Commercial Loans and Leases, Equipment Finance, Government [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | 283,000
Commercial Loans and Leases, Equipment Finance, Corporate Investment Grade [Member] | Real Estate Portfolio [Member] |  |
Provision for credit losses - loans | (49,000) |
Loans charged off | 0 |
Recoveries | 0 |
Ending balance | 142,000 |
Commercial Loans and Leases, Equipment Finance, Corporate Investment Grade [Member] | Commercial Portfolio Segment [Member] |  |
Beginning Balance | 191,000 |
Provision for credit losses - loans |  | (29,000)
Loans charged off |  | 0
Recoveries |  | 0
Ending balance |  | 191,000
Commercial Loans and Leases, Equipment Finance, Corporate Investment Grade [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] |  |
Beginning Balance |  | 67,000
Commercial Loans and Leases, Equipment Finance, Corporate Investment Grade [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |
Beginning Balance |  | 153,000
Commercial Loans and Leases, Equipment Finance, Corporate Investment Grade [Member] | Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |
Beginning Balance |  | $ 220,000
Consumer [Member] | Real Estate Portfolio [Member] |  |
Provision for credit losses - loans | 59,000 |
Loans charged off | (44,000) |
Recoveries | 1,000 |
Ending balance | $ 48,000 |

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