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Note 4 - Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

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

		March 31, 2025				December 31, 2024
One-to-four family residential real estate		$	14,090			$	14,829
Multi-family residential real estate			506,498				521,957
Nonresidential real estate			104,610				108,153
Commercial loans and leases			221,403				248,595
Consumer			1,733				1,623
			848,334				895,157
Allowance for credit losses			(7,279	)			(7,571	)
Loans, net		$	841,055			$	887,586

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

		Beginning balance				Provision for (recovery of) credit losses				Loans charged off				Recoveries				Ending balance
For the three months ended
March 31, 2025
One-to-four family residential real estate:
Home equity and junior liens		$	54			$	(4	)		$	—			$	—			$	50
One-to-four family first liens			217				(8	)			—				2				211
Multi-family residential real estate:
Senior notes			4,320				(133	)			—				2				4,189
Junior notes			444				(5	)			—				—				439
Nonresidential real estate:
Owner occupied			180				(7	)			—				—				173
Non-owner occupied			1,162				(27	)			—				—				1,135
Commercial loans and leases:
Commercial			944				(68	)			(36	)			10				850
Equipment finance - Government			60				(10	)			—				—				50
Equipment finance - Corporate Investment-grade			142				(8	)			—				—				134
Consumer			48				9				(10	)			1				48
		$	7,571			$	(261	)		$	(46	)		$	15			$	7,279
March 31, 2024
One-to-four family residential real estate:
Home equity and junior liens		$	75			$	(12	)		$	—			$	—			$	63
One-to-four family first liens			220				45				—				3				268
Multi-family residential real estate:
Senior notes			4,178				186				—				6				4,370
Junior notes			371				78				—				—				449
Nonresidential real estate:
Owner occupied			144				34				—				—				178
Non-owner occupied			1,022				244				—				—				1,266
Commercial loans and leases:
Commercial			1,964				(468	)			(158	)			5				1,343
Equipment finance - Government			148				(36	)			—				—				112
Equipment finance - Corporate Investment-grade			191				(25	)			—				—				166
Consumer			32				15				(13	)			—				34
		$	8,345			$	61			$	(171	)		$	14			$	8,249

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, 2025
Loans:
Loans individually evaluated		$	126			$	1,395			$	—			$	14,941			$	—			$	16,462
Loans collectively evaluated			13,964				505,103				104,610				206,462				1,733				831,872
		$	14,090			$	506,498			$	104,610			$	221,403			$	1,733			$	848,334
ACL:
Loans individually evaluated		$	—			$	—			$	—			$	—			$	—			$	—
Loans collectively evaluated			261				4,628				1,308				1,034				48				7,279
		$	261			$	4,628			$	1,308			$	1,034			$	48			$	7,279

		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

Impaired Financing Receivables 1 [Table Text Block]

																		Three Months Ended
																		March 31, 2025
		Loan Balance				Recorded Investment				Partial Charge-off				Allowance for Credit Losses Allocated				Average Investment				Interest Income Recognized
March 31, 2025
With no related allowance recorded:
One-to-four family residential real estate		$	123			$	126			$	—			$	—			$	127			$	—
Multi-family residential real estate			1,342				1,395				—				—				1,439				—
Commercial loans and leases			20,169				14,941				5,227				—				15,027				1
		$	21,634			$	16,462			$	5,227			$	—			$	16,593			$	1

																		Year ended
																		December 31, 2024
		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

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual				Loans Past Due Over 90 Days Still Accruing
March 31, 2025
One-to-four family residential real estate		$	107			$	—
Multi-family residential real estate			1,395				—
Commercial loans and leases			14,911				—
Consumer			—				1
		$	16,413			$	1
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			$	—

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, 2025
One-to-four family residential real estate		$	209			$	—			$	—			$	209			$	107			$	13,774			$	14,090
Multi-family residential real estate			816				—				—				816				1,395				504,287				506,498
Nonresidential real estate			—				—				—				—				—				104,610				104,610
Commercial loans and leases			2,855				63				—				2,918				14,911				203,574				221,403
Consumer			1				2				1				4				—				1,729				1,733
		$	3,881			$	65			$	1			$	3,947			$	16,413			$	827,974			$	848,334

		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

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass				Special Mention				Substandard				Substandard Nonaccrual				Total
March 31, 2025
One-to-four family residential real estate		$	13,808			$	—			$	175			$	107			$	14,090
Multi-family residential real estate			496,103				—				9,000				1,395				506,498
Nonresidential real estate			103,752				425				433				—				104,610
Commercial loans and leases			204,196				66				2,230				14,911				221,403
Consumer			1,728				2				3				—				1,733
		$	819,587			$	493			$	11,841			$	16,413			$	848,334

		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

		Term Loans Amortized Cost Basis by Origination Year
		2025				2024				2023				2022				2021				Prior				Revolving loans				Total
March 31, 2025
One-to-four family residential real estate loans:
Risk-rating
Pass		$	—			$	—			$	482			$	—			$	—			$	10,425			$	2,901			$	13,808
Substandard			73				—				—				—				—				80				22				175
Nonaccrual			—				—				—				—				—				93				14				107
		$	73			$	—			$	482			$	—			$	—			$	10,598			$	2,937			$	14,090
One-to-four family residential real estate loans:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	2			$	—			$	2
Multi-family residential real estate:
Risk rating
Pass		$	2,432			$	33,583			$	38,022			$	190,752			$	101,536			$	124,545			$	5,233			$	496,103
Substandard			—				—				—				3,840				3,996				1,164				—				9,000
Nonaccrual			—				—				141				1,254				—				—				—				1,395
		$	2,432			$	33,583			$	38,163			$	195,846			$	105,532			$	125,709			$	5,233			$	506,498
Multi-family residential real estate:
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	2			$	—			$	2
Nonresidential real estate:
Risk rating
Pass		$	—			$	16,357			$	14,243			$	46,402			$	14,545			$	11,294			$	911			$	103,752
Special mention			—				—				—				425				—				—				—				425
Substandard			433				—				—				—				—				—				—				433
		$	433			$	16,357			$	14,243			$	46,827			$	14,545			$	11,294			$	911			$	104,610
Commercial loans and leases:
Risk rating
Pass		$	5,489			$	26,434			$	28,525			$	61,972			$	25,597			$	5,649			$	50,530			$	204,196
Special mention			—				—				—				66				—				—				—				66
Substandard			—				—				—				30				—				—				2,200				2,230
Nonaccrual			—				—				50				14,723				40				98				—				14,911
		$	5,489			$	26,434			$	28,575			$	76,791			$	25,637			$	5,747			$	52,730			$	221,403
Commercial loans and leases:
Current period gross charge-offs		$	—			$	—			$	(10	)		$	(26	)		$	—			$	—			$	—			$	(36	)
Current period recoveries			—				—				8				2				—				—				—				10
		$	—			$	—			$	(2	)		$	(24	)		$	—			$	—			$	—			$	(26	)
Consumer:
Risk rating
Pass		$	15			$	722			$	160			$	3			$	20			$	48			$	760			$	1,728
Special mention			—				—				—				—				—				—				2				2
Substandard			—				1				—				—				—				—				2				3
		$	15			$	723			$	160			$	3			$	20			$	48			$	764			$	1,733
Consumer:
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	(10	)		$	(10	)
Current period recoveries			—				—				—				—				—				—				1				1
Current period recoveries		$	—			$	—			$	—			$	—			$	—			$	—			$	(9	)		$	(9	)

		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	)

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-Section 50
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