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Note 4 - Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

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

		December 31,
		2024				2023
One-to-four family residential real estate		$	14,829			$	18,945
Multi-family residential real estate			521,957				527,460
Nonresidential real estate			108,153				118,016
Commercial loans and leases			248,595				393,321
Consumer			1,623				1,364
			895,157				1,059,106
Allowance for credit losses			(7,571	)			(8,345	)
Loans, net		$	887,586			$	1,050,761

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

		Beginning balance				Provision for (recovery of) credit losses				Loans charged off				Recoveries				Ending balance
December 31, 2024
One-to-four family residential real estate:
Home equity and junior liens		$	75			$	(21	)		$	—			$	—			$	54
One-to-four family first liens			220				(31	)			—				28				217
Multi-family residential real estate:
Senior notes			4,178				129				(5	)			18				4,320
Junior notes			371				73				—				—				444
Nonresidential real estate:
Owner occupied			144				36				—				—				180
Non-owner occupied			1,022				140				—				—				1,162
Commercial loans and leases:
Commercial			1,964				(405	)			(629	)			14				944
Equipment finance - Government			148				5,150				(5,238	)			—				60
Equipment finance - Corporate Investment-grade			191				(49	)			—				—				142
Consumer			32				59				(44	)			1				48
		$	8,345			$	5,081			$	(5,916	)		$	61			$	7,571

		Beginning balance, prior to adoption of ASC 326				Impact of adopting ASC 326				Beginning balance, after adoption of ASC 326				Provision for (recovery of) credit losses				Loans charged off				Recoveries				Ending balance
December 31, 2023
One-to-four family residential real estate:
Home equity and junior liens		$	84			$	17			$	101			$	(26	)		$	—			$	—			$	75
One-to-four family first liens			197				82				279				(103	)			(1	)			45				220
Multi-family residential real estate:
Senior notes			3,519				734				4,253				(95	)			—				20				4,178
Junior notes			498				(104	)			394				(23	)			—				—				371
Nonresidential real estate:
Owner occupied			252				(77	)			175				(31	)			—				—				144
Non-owner occupied			982				143				1,125				(103	)			—				—				1,022
Commercial loans and leases:
Commercial			2,324				843				3,167				896				(2,176	)			77				1,964
Equipment finance - Government			157				126				283				(135	)			—				—				148
Equipment finance - Corporate Investment-grade			67				153				220				(29	)			—				—				191
Consumer			49				(10	)			39				44				(52	)			1				32
		$	8,129			$	1,907			$	10,036			$	395			$	(2,229	)		$	143			$	8,345

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, 2024
Loans:
Loans individually evaluated		$	148			$	1,453			$	393			$	15,018			$	—			$	17,012
Loans collectively evaluated			14,681				520,504				107,760				233,577				1,623				878,145
		$	14,829			$	521,957			$	108,153			$	248,595			$	1,623			$	895,157
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			271				4,764				1,342				1,146				48				7,571
		$	271			$	4,764			$	1,342			$	1,146			$	48			$	7,571

		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]

		Loan Balance				Recorded Investment				Partial Charge- off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized
December 31, 2024
With no related allowance recorded
One-to-four family residential real estate		$	138			$	148			$	—			$	—			$	66			$	7
Multi-family residential real estate			1,416				1,453				—				—				607				28
Nonresidential real estate			366				393				—				—				228				3
Commercial loans and leases			20,210				15,018				5,192				—				20,225				9
		$	22,130			$	17,012			$	5,192			$	—			$	21,126			$	47
December 31, 2023
With no related allowance recorded
One-to-four family residential real estate		$	66			$	67			$	—			$	—			$	76			$	4
Commercial loans and leases			23,954				21,982				450				—				16,542				35
		$	24,020			$	22,049			$	450			$	—			$	16,618			$	39

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual Loans				Loans Past Due Over 90 Days, still accruing
December 31, 2024
One-to-four family residential real estate		$	126			$	—
Multi-family residential real estate			1,453				—
Nonresidential real estate			393				—
Commercial loans and leases			14,960				—
Consumer			2				—
		$	16,934			$	—
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
December 31, 2024
One-to-four family residential real estate		$	181			$	—			$	—			$	181			$	126			$	14,522			$	14,829
Multi-family residential real estate			654				—				—				654				1,453				519,850				521,957
Nonresidential real estate			—				—				—				—				393				107,760				108,153
Commercial loans and leases			2,044				1,929				—				3,973				14,960				229,662				248,595
Consumer			4				5				—				9				2				1,612				1,623
		$	2,883			$	1,934			$	—			$	4,817			$	16,934			$	873,406			$	895,157

		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		$	12			$	18			$	—			$	30			$	37			$	18,878			$	18,945
Multi-family residential real estate			—				—				—				—				—				527,460				527,460
Nonresidential real estate			—				—				—				—				—				118,016				118,016
Commercial loans and leases			3,388				5,054				1,007				9,449				21,294				362,578				393,321
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				Special Mention				Substandard				Substandard Nonaccrual				Total
December 31, 2024
One-to-four family residential real estate		$	14,485			$	—			$	218			$	126			$	14,829
Multi-family residential real estate			515,478				3,858				1,168				1,453				521,957
Nonresidential real estate			106,891				428				441				393				108,153
Commercial loans and leases			227,851				3,156				2,628				14,960				248,595
Consumer			1,613				4				4				2				1,623
		$	866,318			$	7,446			$	4,459			$	16,934			$	895,157

		Pass				Special Mention				Substandard				Substandard Nonaccrual				Total
December 31, 2023
One-to-four family residential real estate		$	18,636			$	—			$	272			$	37			$	18,945
Multi-family residential real estate			526,127				1,333				—				—				527,460
Nonresidential real estate			118,016				—				—				—				118,016
Commercial loans and leases			357,384				10,587				4,056				21,294				393,321
Consumer			1,356				5				3				—				1,364
		$	1,021,519			$	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
December 31, 2024
One-to-four family residential real estate:
Risk rating
Pass		$	—			$	484			$	—			$	—			$	34			$	10,897			$	3,070			$	14,485
Substandard			—				—				—				—				—				81				137				218
Nonaccrual			—				—				—				—				—				111				15				126
		$	—			$	484			$	—			$	—			$	34			$	11,089			$	3,222			$	14,829
One-to-four family residential real estate:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	28			$	—			$	28
Multi-family residential real estate:
Risk rating
Pass		$	33,812			$	38,228			$	199,495			$	107,420			$	55,129			$	75,772			$	5,622			$	515,478
Special mention			—				—				3,858				—				—				—				—				3,858
Substandard			—				—				—				—				—				1,168				—				1,168
Nonaccrual			—				216				1,237				—				—				—				—				1,453
		$	33,812			$	38,444			$	204,590			$	107,420			$	55,129			$	76,940			$	5,622			$	521,957
Multi-family residential real estate:
Current period gross charge-offs		$	—			$	—			$	(5	)		$	—			$	—			$	—			$	—			$	(5	)
Current period recoveries			—				—				—				—				—				18				—				18
		$	—			$	—			$	(5	)		$	—			$	—			$	18			$	—			$	13
Nonresidential real estate:
Risk rating
Pass		$	16,760			$	14,355			$	46,759			$	14,771			$	7,335			$	5,998			$	913			$	106,891
Special mention			—				—				428				—				—				—				—				428
Substandard			441				—				—				—				—				—				—				441
Nonaccrual			—				—				393				—				—				—				—				393
		$	17,201			$	14,355			$	47,580			$	14,771			$	7,335			$	5,998			$	913			$	108,153
Commercial loans and leases:
Risk rating
Pass		$	27,360			$	32,517			$	72,546			$	30,764			$	9,973			$	723			$	53,968			$	227,851
Special mention			—				—				—				—				—				—				3,156				3,156
Substandard			—				—				103				40				—				—				2,485				2,628
Nonaccrual			—				55				14,747				—				158				—				—				14,960
		$	27,360			$	32,572			$	87,396			$	30,804			$	10,131			$	723			$	59,609			$	248,595
Commercial loans and leases:
Current period gross charge-offs		$	—			$	(332	)		$	(4,998	)		$	(44	)		$	(493	)		$	—			$	—			$	(5,867	)
Current period recoveries			—				—				1				5				7				1				—				14
		$	—			$	(332	)		$	(4,997	)		$	(39	)		$	(486	)		$	1			$	—			$	(5,853	)
Consumer:
Risk rating
Pass		$	788			$	169			$	3			$	20			$	49			$	—			$	584			$	1,613
Special mention			—				—				—				—				—				—				4				4
Substandard			—				—				—				—				—				—				4				4
Nonaccrual			2				—				—				—				—				—				—				2
		$	790			$	169			$	3			$	20			$	49			$	—			$	592			$	1,623
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(44	)		$	(44	)
Current period recoveries			—				—				—				—				—				—				1				1
		$	—			$	—			$	—			$	—			$	—			$	—			$	(43	)		$	(43	)

		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:
Risk rating
Pass		$	489			$	—			$	—			$	130			$	—			$	14,213			$	3,804			$	18,636
Substandard			—				—				—				—				—				127				145				272
Nonaccrual			—				—				—				—				—				16				21				37
		$	489			$	—			$	—			$	130			$	—			$	14,356			$	3,970			$	18,945
One-to-four family residential real estate:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	(1	)		$	—			$	(1	)
Current period recoveries			—				—				—				—				—				45				—				45
		$	—			$	—			$	—			$	—			$	—			$	44			$	—			$	44
Multi-family residential real estate:
Risk rating
Pass		$	43,386			$	211,525			$	112,667			$	57,743			$	22,064			$	70,007			$	8,735			$	526,127
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
Nonresidential real estate:
Risk rating
Pass		$	17,618			$	53,256			$	21,939			$	7,787			$	9,024			$	8,288			$	104			$	118,016
Commercial loans and leases:
Risk rating
Pass		$	50,015			$	137,615			$	63,028			$	33,004			$	3,028			$	1,379			$	69,315			$	357,384
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			$	—			$	545			$	1,356
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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