XML 53 R43.htm IDEA: XBRL DOCUMENT v3.26.1

Loans, Leases and Allowance - Schedule of Changes in the Allowance for Credit Losses (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Allowance for loan losses:
Allowance for loan and lease losses, beginning	$ 16,465,708	$ 15,791,000	$ 15,791,000
Provision for (reversal of) credit losses	621,000	683,000
Charge-offs	(549,000)	(558,000)	(2,188,000)
Recoveries	202,000	162,000
Allowance for loan and lease losses, ending	16,740,001	16,078,000	16,465,708
Commercial mortgage
Allowance for loan losses:
Allowance for loan and lease losses, beginning	4,575,000	4,486,000	4,486,000
Provision for (reversal of) credit losses	238,000	248,000
Charge-offs	0	0	0
Recoveries	0	0
Allowance for loan and lease losses, ending	4,813,000	4,734,000	4,575,000
Commercial and industrial
Allowance for loan losses:
Allowance for loan and lease losses, beginning	1,812,000	1,483,000	1,483,000
Provision for (reversal of) credit losses	(14,000)	138,000
Charge-offs	0	0	(2,000)
Recoveries	10,000	2,000
Allowance for loan and lease losses, ending	1,808,000	1,623,000	1,812,000
Construction and development
Allowance for loan losses:
Allowance for loan and lease losses, beginning	2,298,000	2,243,000	2,243,000
Provision for (reversal of) credit losses	165,000	(242,000)
Charge-offs	0	0
Recoveries	0	0
Allowance for loan and lease losses, ending	2,463,000	2,001,000	2,298,000
Multi-family
Allowance for loan losses:
Allowance for loan and lease losses, beginning	2,336,000	2,660,000	2,660,000
Provision for (reversal of) credit losses	(9,000)	147,000
Charge-offs	0	0	0
Recoveries	0	0
Allowance for loan and lease losses, ending	2,327,000	2,807,000	2,336,000
Residential mortgage
Allowance for loan losses:
Allowance for loan and lease losses, beginning	1,833,000	1,910,000	1,910,000
Provision for (reversal of) credit losses	(47,000)	(29,000)
Charge-offs	0	0
Recoveries	1,000	20,000
Allowance for loan and lease losses, ending	1,787,000	1,901,000	1,833,000
Home equity
Allowance for loan losses:
Allowance for loan and lease losses, beginning	189,000	184,000	184,000
Provision for (reversal of) credit losses	11,000	12,000
Charge-offs	0	0
Recoveries	0	0
Allowance for loan and lease losses, ending	200,000	196,000	189,000
Direct financing leases
Allowance for loan losses:
Allowance for loan and lease losses, beginning	3,075,000	2,469,000	2,469,000
Provision for (reversal of) credit losses	292,000	409,000
Charge-offs	(538,000)	(518,000)
Recoveries	177,000	107,000
Allowance for loan and lease losses, ending	3,006,000	2,467,000	3,075,000
Consumer
Allowance for loan losses:
Allowance for loan and lease losses, beginning	348,000	356,000	356,000
Provision for (reversal of) credit losses	(15,000)	0
Charge-offs	(11,000)	(40,000)
Recoveries	14,000	33,000
Allowance for loan and lease losses, ending	$ 336,000	$ 349,000	$ 348,000

X

- Definition

Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479344/326-20-45-1

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

X

- Definition

A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.

+ References

No definition available.

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	duration

X

- Definition

Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-6

+ Details

Name:	us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	duration

X

- Definition

Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476148/220-40-50-22

+ Details

Name:	us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	duration

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_CommercialMortgageLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_CommercialAndIndustrialLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_MultiFamilyLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_ResidentialMortgageLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_HomeEquityLinesOfCreditMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_DirectFinancingLeaseLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fil_ConsumerLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: