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Loan and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2024
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | March 31, December 31, (Dollars in thousands) 2024 2023 Commercial and industrial $ 78,920 $ 73,374 Construction and land development 58,909 68,329 Commercial real estate: Owner occupied 63,826 66,783 Hotel/motel 38,822 39,131 Multi-family 45,634 45,841 Other 152,202 135,552 Total commercial real estate 300,484 287,307 Residential real estate: Consumer mortgage 59,813 60,545 Investment property 58,427 56,912 Total residential real estate 118,240 117,457 Consumer installment 10,967 10,827 Total Loans $ 567,520 $ 557,294
Past Due Financing Receivables [Table Text Block] | Accruing Accruing Total 30-89 Days Greater than Accruing Non- Total (Dollars in thousands) Current Past Due 90 days Loans Accrual Loans March 31, 2024: Commercial and industrial $ 78,914 6 — 78,920 — $ 78,920 Construction and land development 58,909 — — 58,909 — 58,909 Commercial real estate: Owner occupied 63,061 — — 63,061 765 63,826 Hotel/motel 38,822 — — 38,822 — 38,822 Multi-family 45,634 — — 45,634 — 45,634 Other 152,202 — — 152,202 — 152,202 Total commercial real estate 299,719 — — 299,719 765 300,484 Residential real estate: Consumer mortgage 59,656 60 — 59,716 97 59,813 Investment property 58,427 — — 58,427 — 58,427 Total residential real estate 118,083 60 — 118,143 97 118,240 Consumer installment 10,935 16 — 10,951 16 10,967 Total $ 566,560 82 — 566,642 878 $ 567,520 December 31, 2023: Commercial and industrial $ 73,108 266 — 73,374 — $ 73,374 Construction and land development 68,329 — — 68,329 — 68,329 Commercial real estate: Owner occupied 66,000 — — 66,000 783 66,783 Hotel/motel 39,131 — — 39,131 — 39,131 Multi-family 45,841 — — 45,841 — 45,841 Other 135,552 — — 135,552 — 135,552 Total commercial real estate 286,524 — — 286,524 783 287,307 Residential real estate: Consumer mortgage 60,442 — — 60,442 103 60,545 Investment property 56,597 290 — 56,887 25 56,912 Total residential real estate 117,039 290 — 117,329 128 117,457 Consumer installment 10,781 46 — 10,827 — 10,827 Total $ 555,781 602 — 556,383 911 $ 557,294
Financing Receivable Credit Quality Indicators [Table Text Block] | Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) March 31, 2024: Commercial and industrial Pass $ 6,167 10,960 19,891 13,067 5,429 14,697 8,449 $ 78,660 Special mention — — — — — — — — Substandard 54 — 194 12 — — — 260 Nonaccrual — — — — — — — — Total commercial and industrial 6,221 10,960 20,085 13,079 5,429 14,697 8,449 78,920 Current period gross charge-offs — — — — — — — — Construction and land development Pass 5,668 26,093 22,446 1,615 1,506 200 905 58,433 Special mention — 302 — — — — — 302 Substandard 174 — — — — — — 174 Nonaccrual — — — — — — — — Total construction and land development 5,842 26,395 22,446 1,615 1,506 200 905 58,909 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 100 12,842 7,197 18,076 10,283 10,744 2,583 61,825 Special mention 931 257 — — — — — 1,188 Substandard — — — — — 48 — 48 Nonaccrual — — — — — 765 — 765 Total owner occupied 1,031 13,099 7,197 18,076 10,283 11,557 2,583 63,826 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 248 8,925 9,765 3,174 1,445 15,265 — 38,822 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 248 8,925 9,765 3,174 1,445 15,265 — 38,822 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) March 31, 2024: Multi-family Pass 113 12,270 17,834 1,934 6,060 6,682 741 45,634 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 113 12,270 17,834 1,934 6,060 6,682 741 45,634 Current period gross charge-offs — — — — — — — — Other Pass 19,687 24,583 35,601 31,278 14,036 25,552 1,313 152,050 Special mention — — — — — — — — Substandard — — — — 152 — — 152 Nonaccrual — — — — — — — — Total other 19,687 24,583 35,601 31,278 14,188 25,552 1,313 152,202 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 1,276 19,445 19,230 2,682 2,636 13,106 327 58,702 Special mention — — — — — 493 — 493 Substandard — — — — — 521 — 521 Nonaccrual — — — — — 97 — 97 Total consumer mortgage 1,276 19,445 19,230 2,682 2,636 14,217 327 59,813 Current period gross charge-offs — — — — — — — — Investment property Pass 5,736 12,255 11,396 9,219 11,829 6,214 1,369 58,018 Special mention — — — — — — — — Substandard — 83 96 — 230 — — 409 Nonaccrual — — — — — — — — Total investment property 5,736 12,338 11,492 9,219 12,059 6,214 1,369 58,427 Current period gross charge-offs — — — — — — — — Consumer installment Pass 2,095 5,157 2,690 570 148 222 — 10,882 Special mention — 10 1 — 1 — — 12 Substandard 10 34 11 2 — — — 57 Nonaccrual — 9 7 — — — — 16 Total consumer installment 2,105 5,210 2,709 572 149 222 — 10,967 Current period gross charge-offs — 6 17 1 — — — 24 Total loans Pass 41,090 132,530 146,050 81,615 53,372 92,682 15,687 563,026 Special mention 931 569 1 — 1 493 — 1,995 Substandard 238 117 301 14 382 569 — 1,621 Nonaccrual — 9 7 — — 862 — 878 Total loans $ 42,259 133,225 146,359 81,629 53,755 94,606 15,687 $ 567,520 Total current period gross charge-offs $ — 6 17 1 — — — 24 Year of Origination 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total Loans (Dollars in thousands) December 31, 2023: Commercial and industrial Pass $ 11,571 18,074 13,746 5,602 7,298 7,819 9,003 $ 73,113 Special mention — — — — — — — — Substandard 55 203 — — 3 — — 261 Nonaccrual — — — — — — — — Total commercial and industrial 11,626 18,277 13,746 5,602 7,301 7,819 9,003 73,374 Current period gross charge-offs — — 13 — 151 — — 164 Construction and land development Pass 38,646 25,382 1,716 1,526 120 157 782 68,329 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 38,646 25,382 1,716 1,526 120 157 782 68,329 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 12,966 7,337 18,548 10,458 3,948 9,786 2,647 65,690 Special mention 260 — — — — — — 260 Substandard — — — — 50 — — 50 Nonaccrual — — — — 783 — — 783 Total owner occupied 13,226 7,337 18,548 10,458 4,781 9,786 2,647 66,783 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 9,025 9,873 3,205 1,493 3,881 11,654 — 39,131 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 9,025 9,873 3,205 1,493 3,881 11,654 — 39,131 Current period gross charge-offs — — — — — — — — Year of Origination 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total Loans (Dollars in thousands) December 31, 2023: Multi-family Pass 12,379 17,955 1,953 6,112 3,790 3,043 609 45,841 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 12,379 17,955 1,953 6,112 3,790 3,043 609 45,841 Current period gross charge-offs — — — — — — — — Other Pass 25,810 36,076 31,687 14,597 10,736 15,440 1,052 135,398 Special mention — — — — — — — — Substandard — — — 154 — — — 154 Nonaccrual — — — — — — — — Total other 25,810 36,076 31,687 14,751 10,736 15,440 1,052 135,552 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 20,147 20,177 2,683 2,665 1,281 12,217 249 59,419 Special mention — — — — 190 305 — 495 Substandard — — — — — 528 — 528 Nonaccrual — — — — — 103 — 103 Total consumer mortgage 20,147 20,177 2,683 2,665 1,471 13,153 249 60,545 Current period gross charge-offs — — — — — — — — Investment property Pass 13,398 12,490 9,397 12,209 5,485 1,865 1,478 56,322 Special mention 41 — — — — — — 41 Substandard 43 248 — 233 — — — 524 Nonaccrual — — — — — 25 — 25 Total investment property 13,482 12,738 9,397 12,442 5,485 1,890 1,478 56,912 Current period gross charge-offs — — — — — — — — Consumer installment Pass 5,688 3,837 740 206 106 141 — 10,718 Special mention 9 25 9 2 — — — 45 Substandard 37 11 5 11 — — — 64 Nonaccrual — — — — — — — - Total consumer installment 5,734 3,873 754 219 106 141 — 10,827 Current period gross charge-offs 34 57 13 1 — — — 105 Total loans Pass 149,630 151,201 83,675 54,868 36,645 62,122 15,820 553,961 Special mention 310 25 9 2 190 305 — 841 Substandard 135 462 5 398 53 528 — 1,581 Nonaccrual — — — — 783 128 — 911 Total loans $ 150,075 151,688 83,689 55,268 37,671 63,083 15,820 $ 557,294 Total current period gross charge-offs $ 34 57 26 1 151 — — 269
Allowance for Credit Losses on Financing Receivables [Table Text Block] | (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: March 31, 2024 Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs — — — — (24) (24) Recoveries 66 — — 3 22 91 Net recoveries (charge-offs) 66 — — 3 (2) 67 Provision for credit losses 61 (120) 281 64 (1) 285 Ending balance $ 1,415 840 4,202 613 145 $ 7,215 Quarter ended: March 31, 2023 Beginning balance $ 747 949 3,109 828 132 $ 5,765 Impact of adopting ASC 326 532 (17) 873 (347) (22) 1,019 Charge-offs — — — — (11) (11) Recoveries 2 — — 5 1 8 Net recoveries (charge-offs) 2 — — 5 (10) (3) Provision for credit losses (49) 89 (16) 11 5 40 Ending balance $ 1,232 1,021 3,966 497 105 $ 6,821
Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | CECL Nonaccrual loans Nonaccrual loans Total (Dollars in thousands) with no Allowance with an Allowance Nonaccrual Loans March 31, 2024 Commercial real estate $ 765 — 765 Residential real estate — 97 97 Consumer — 16 16 Total $ 765 113 878 December 31, 2023 Commercial real estate $ 783 — 783 Residential real estate — 128 128 Total $ 783 128 911
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | (Dollars in thousands) Real Estate Total Loans March 31, 2024: Commercial real estate $ 765 $ 765 Total $ 765 $ 765 December 31, 2023: Commercial real estate $ 783 $ 783 Total $ 783 $ 783
Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended March 31, (Dollars in thousands) 2024 2023 Provision for credit losses: Loans $ 285 $ 40 Reserve for unfunded commitments 49 26 Total provision for credit losses $ 334 $ 66

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-29 + Details
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