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Note 3 - Loans Receivable (Tables)

3 Months Ended

Mar. 31, 2026

Notes Tables

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

		March 31,				December 31,
		2026				2025
		(In Thousands)
Real estate loans:
Residential 1-4 family		$	188,784			$	183,793
Commercial real estate			926,631				918,839
Other loans:
Home equity			109,278				108,073
Consumer			23,154				24,424
Commercial			271,439				283,890
Total			1,519,286				1,519,019
Allowance for credit losses			(17,430	)			(17,370	)
Total loans, net		$	1,501,856			$	1,501,649

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

		Residential				Commercial				Home
		1-4 Family				Real Estate				Equity				Consumer				Commercial				Total
		(In Thousands)
Allowance for credit losses on loans:
Beginning balance, January 1, 2026		$	1,965			$	11,295			$	547			$	84			$	3,479			$	17,370
Charge-offs			-				-				-				(40	)			(14	)			(54	)
Recoveries			-				4				-				-				1				5
Provision			8				64				4				1				32				109
Total ending allowance balance, March 31, 2026		$	1,973			$	11,363			$	551			$	45			$	3,498			$	17,430

		Residential				Commercial				Home
		1-4 Family				Real Estate				Equity				Consumer				Commercial				Total
		(In Thousands)
Allowance for credit losses on loans:
Beginning balance, January 1, 2025		$	1,911			$	10,907			$	553			$	245			$	3,234			$	16,850
Charge-offs			-				-				-				(6	)			-				(6	)
Recoveries			-				2				-				1				1				4
Recapture			(7	)			(79	)			(2	)			(1	)			(39	)			(128	)
Total ending allowance balance, March 31, 2025		$	1,904			$	10,830			$	551			$	239			$	3,196			$	16,720

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2026
		2026				2025				2024				2023				2022				Prior				Revolving Loans				Total Loans
		(In Thousands)
RESIDENTIAL 1-4 FAMILY
Pass		$	4,870			$	17,906			$	15,308			$	21,680			$	28,615			$	54,324			$	1,060			$	143,763
Substandard			-				-				-				-				715				592				-				1,307
Total Residential 1-4 family			4,870				17,906				15,308				21,680				29,330				54,916				1,060				145,070
Current-period gross charge-offs			-				-				-				-				-				-				-				-
RESIDENTIAL 1-4 FAMILY CONSTRUCTION
Pass			11,789				17,908				1,590				1,493				10,129				-				456				43,365
Special Mention			-				-				349				-				-				-				-				349
Total Residential 1-4 family construction			11,789				17,908				1,939				1,493				10,129				-				456				43,714
Current-period gross charge-offs			-				-				-				-				-				-				-				-
COMMERCIAL REAL ESTATE
Pass			20,552				49,189				69,731				61,487				173,058				244,772				38,747				657,536
Special Mention			-				-				-				789				393				2,089				2,998				6,269
Substandard			-				-				-				500				-				3,380				-				3,880
Total Commercial real estate			20,552				49,189				69,731				62,776				173,451				250,241				41,745				667,685
Current-period gross charge-offs			-				-				-				-				-				-				-				-
COMMERCIAL CONSTRUCTION AND DEVELOPMENT
Pass			915				39,392				11,852				6,085				13,024				18,232				7,865				97,365
Substandard			-				-				-				-				-				917				-				917
Total Commercial construction and development			915				39,392				11,852				6,085				13,024				19,149				7,865				98,282
Current-period gross charge-offs			-				-				-				-				-				-				-				-
FARMLAND
Pass			3,404				30,203				19,713				15,982				25,821				59,141				1,892				156,156
Special Mention			556				-				-				819				567				23				-				1,965
Substandard			-				-				184				-				1,118				1,185				56				2,543
Total Farmland			3,960				30,203				19,897				16,801				27,506				60,349				1,948				160,664
Current-period gross charge-offs			-				-				-				-				-				-				-				-
HOME EQUITY
Pass			905				1,931				1,197				948				2,672				2,344				98,373				108,370
Special Mention			-				-				-				-				-				19				581				600
Substandard			-				-				-				-				-				59				249				308
Total Home Equity			905				1,931				1,197				948				2,672				2,422				99,203				109,278
Current-period gross charge-offs			-				-				-				-				-				-				-				-
CONSUMER
Pass			2,186				7,643				4,970				3,226				1,914				1,096				1,878				22,913
Substandard			-				103				37				72				10				1				18				241
Total Consumer			2,186				7,746				5,007				3,298				1,924				1,097				1,896				23,154
Current-period gross charge-offs			-				11				15				13				-				-				1				40
COMMERCIAL
Pass			9,656				27,484				24,602				18,437				12,971				22,382				33,844				149,376
Special Mention			145				-				-				298				153				51				200				847
Substandard			-				82				1,088				41				-				142				4				1,357
Total Commercial			9,801				27,566				25,690				18,776				13,124				22,575				34,048				151,580
Current-period gross charge-offs			-				-				-				-				-				14				-				14
AGRICULTURAL
Pass			8,574				28,666				12,620				5,389				4,010				2,899				52,065				114,223
Special Mention			-				441				868				1,450				-				17				503				3,279
Substandard			-				-				641				924				-				792				-				2,357
Total Agricultural			8,574				29,107				14,129				7,763				4,010				3,708				52,568				119,859
Current-period gross charge-offs			-				-				-				-				-				-				-				-
TOTAL LOANS
Pass			62,851				220,322				161,583				134,727				272,214				405,190				236,180				1,493,067
Special Mention			701				441				1,217				3,356				1,113				2,199				4,282				13,309
Substandard			-				185				1,950				1,537				1,843				7,068				327				12,910
Total		$	63,552			$	220,948			$	164,750			$	139,620			$	275,170			$	414,457			$	240,789			$	1,519,286

		December 31, 2025
		2025				2024				2023				2022				2021				Prior				Revolving Loans				Total Loans
		(In Thousands)
RESIDENTIAL 1-4 FAMILY
Pass		$	20,044			$	15,428			$	22,525			$	29,851			$	17,751			$	40,339			$	1,333			$	147,271
Substandard			-				-				-				719				-				525				-				1,244
Total Residential 1-4 family			20,044				15,428				22,525				30,570				17,751				40,864				1,333				148,515
Current-period gross charge-offs			-				-				-				-				-				-				-				-
RESIDENTIAL 1-4 FAMILY CONSTRUCTION
Pass			19,065				3,975				1,760				10,129				-				-				-				34,929
Special Mention			-				349				-				-				-				-				-				349
Total Residential 1-4 family construction			19,065				4,324				1,760				10,129				-				-				-				35,278
Current-period gross charge-offs			-				-				-				-				-				-				-				-
COMMERCIAL REAL ESTATE
Pass			41,530				51,964				63,566				177,502				112,350				141,336				39,155				627,403
Special Mention			-				-				-				407				-				1,265				2,989				4,661
Substandard			-				-				512				-				424				2,970				-				3,906
Total Commercial real estate			41,530				51,964				64,078				177,909				112,774				145,571				42,144				635,970
Current-period gross charge-offs			-				-				-				-				-				33				-				33
COMMERCIAL CONSTRUCTION AND DEVELOPMENT
Pass			44,051				26,041				9,483				14,272				7,325				11,853				6,339				119,364
Substandard			-				-				-				-				-				925				-				925
Total Commercial construction and development			44,051				26,041				9,483				14,272				7,325				12,778				6,339				120,289
Current-period gross charge-offs			-				-				-				-				-				-				-				-
FARMLAND
Pass			30,610				19,993				16,219				26,109				17,580				45,784				1,961				158,256
Special Mention			-				-				827				570				62				719				-				2,178
Substandard			-				188				55				1,118				-				729				56				2,146
Total Farmland			30,610				20,181				17,101				27,797				17,642				47,232				2,017				162,580
Current-period gross charge-offs			-				-				-				-				-				-				-				-
HOME EQUITY
Pass			2,162				1,218				1,018				2,804				281				2,227				97,660				107,370
Special Mention			-				-				-				-				-				21				348				369
Substandard			-				-				33				-				40				11				250				334
Total Home Equity			2,162				1,218				1,051				2,804				321				2,259				98,258				108,073
Current-period gross charge-offs			-				1				-				-				-				26				-				27
CONSUMER
Pass			9,069				5,536				3,899				2,312				654				670				1,973				24,113
Special Mention			-				-				6				-				-				-				-				6
Substandard			113				59				92				10				-				16				15				305
Total Consumer			9,182				5,595				3,997				2,322				654				686				1,988				24,424
Current-period gross charge-offs			-				17				47				14				-				83				14				175
COMMERCIAL
Pass			27,402				26,864				19,468				13,647				10,284				15,376				34,160				147,201
Special Mention			-				-				311				164				-				-				347				822
Substandard			92				1,111				41				-				18				142				4				1,408
Total Commercial			27,494				27,975				19,820				13,811				10,302				15,518				34,511				149,431
Current-period gross charge-offs			-				-				-				6				-				-				-				6
AGRICULTURAL
Pass			42,889				15,230				7,802				5,210				2,415				2,501				52,014				128,061
Special Mention			442				1,112				1,590				2				17				626				543				4,332
Substandard			-				1,035				824				-				-				207				-				2,066
Total Agricultural			43,331				17,377				10,216				5,212				2,432				3,334				52,557				134,459
Current-period gross charge-offs			-				-				-				-				-				-				-				-
TOTAL LOANS
Pass			236,822				166,249				145,740				281,836				168,640				260,086				234,595				1,493,968
Special Mention			442				1,461				2,734				1,143				79				2,631				4,227				12,717
Substandard			205				2,393				1,557				1,847				482				5,525				325				12,334
Total		$	237,469			$	170,103			$	150,031			$	284,826			$	169,201			$	268,242			$	239,147			$	1,519,019

Financing Receivable, Past Due [Table Text Block]

		March 31, 2026
		Loans Past Due and Still Accruing
						90 Days								Nonaccrual				Nonaccrual
		30-89 Days				and								Loans with				Loans with				Current				Total
		Past Due				Greater				Total				no ACL				ACL				Loans				Loans
		(In Thousands)
Real estate loans:
Residential 1-4 family		$	2,161			$	158			$	2,319			$	189			$	-			$	142,562			$	145,070
Residential 1-4 family construction			-				-				-				-				-				43,714				43,714
Commercial real estate			3,097				3				3,100				420				-				664,165				667,685
Commercial construction and development			81				-				81				1				-				98,200				98,282
Farmland			90				815				905				578				-				159,181				160,664
Other loans:
Home equity			555				-				555				550				-				108,173				109,278
Consumer			66				-				66				58				112				22,918				23,154
Commercial			756				-				756				178				86				150,560				151,580
Agricultural			217				2,230				2,447				156				-				117,256				119,859
Total		$	7,023			$	3,206			$	10,229			$	2,130			$	198			$	1,506,729			$	1,519,286

		December 31, 2025
		Loans Past Due and Still Accruing
						90 Days								Nonaccrual				Nonaccrual
		30-89 Days				and								Loans with				Loans with				Current				Total
		Past Due				Greater				Total				no ACL				ACL				Loans				Loans
		(In Thousands)
Real estate loans:
Residential 1-4 family		$	1,591			$	48			$	1,639			$	298			$	-			$	146,578			$	148,515
Residential 1-4 family construction			-				-				-				-				-				35,278				35,278
Commercial real estate			660				-				660				420				-				634,890				635,970
Commercial construction and development			213				-				213				1				-				120,075				120,289
Farmland			481				841				1,322				308				-				160,950				162,580
Other loans:
Home equity			637				-				637				395				-				107,041				108,073
Consumer			203				-				203				101				109				24,011				24,424
Commercial			557				10				567				183				96				148,585				149,431
Agricultural			168				2,645				2,813				177				-				131,469				134,459
Total		$	4,510			$	3,544			$	8,054			$	1,883			$	205			$	1,508,877			$	1,519,019

Collateral-dependent Loans [Table Text Block]

		March 31, 2026
		Real Estate				Business Assets				Other
		(In Thousands)
Real estate loans:
Residential 1-4 family		$	883			$	-			$	-
Commercial real estate			95				2,936				-
Commercial construction and development			1				-				-
Farmland			1,361				-				-
Other loans:
Home equity			414				-				-
Consumer			-				-				168
Commercial			-				366				4
Agricultural			29				2,230				-
Total		$	2,783			$	5,532			$	172

		December 31, 2025
		Real Estate				Business Assets				Other
		(In Thousands)
Real estate loans:
Residential 1-4 family		$	822			$	-			$	-
Commercial real estate			97				492				-
Commercial construction and development			1				-				-
Farmland			1,143				-				-
Other loans:
Home equity			278				-				-
Consumer			-				-				202
Commercial			-				482				14
Agricultural			-				2,645				-
Total		$	2,341			$	3,619			$	216

Financing Receivable, Modified [Table Text Block]

		As of or For the
		Three-Months Ended
		March 31, 2026
		Term Extension and Payment Deferral								Term Extension and Interest Rate Reduction
		Amortized Cost Basis				Percent of Loan Category				Amortized Cost Basis				Percent of Loan Category				Total Amortized Cost Basis				Total Number of Loans
		(Dollars in Thousands)
Other loans:
Agricultural		$	156				0.13	%		$	-				0.00	%		$	156				1
Total		$	156							$	-							$	156				1

		As of or For the
		Three-Months Ended
		March 31, 2025
		Term Extension and Payment Deferral								Term Extension and Interest Rate Reduction
		Amortized Cost Basis				Percent of Loan Category				Amortized Cost Basis				Percent of Loan Category				Total Amortized Cost Basis				Total Number of Loans
		(Dollars in Thousands)
Real estate loans:
Commercial real estate		$	-				0.00	%		$	209				0.03	%		$	209				1
Other loans:
Home equity			45				0.04				-				0.00				45				1
Agricultural			252				0.19				-				0.00				252				2
Total		$	297							$	209							$	506				4

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