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Loan and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2024
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | June 30, December 31, (Dollars in thousands) 2024 2023 Commercial and industrial $ 77,627 $ 73,374 Construction and land development 73,688 68,329 Commercial real estate: Owner occupied 63,384 66,783 Hotel/motel 38,542 39,131 Multi-family 44,135 45,841 Other 151,171 135,552 Total commercial real estate 297,232 287,307 Residential real estate: Consumer mortgage 60,957 60,545 Investment property 58,470 56,912 Total residential real estate 119,427 117,457 Consumer installment 10,094 10,827 Total Loans $ 578,068 $ 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 June 30, 2024: Commercial and industrial $ 77,625 2 — 77,627 — $ 77,627 Construction and land development 73,284 404 — 73,688 — 73,688 Commercial real estate: Owner occupied 62,631 — — 62,631 753 63,384 Hotel/motel 38,542 — — 38,542 — 38,542 Multi-family 44,135 — — 44,135 — 44,135 Other 151,171 — — 151,171 — 151,171 Total commercial real estate 296,479 — — 296,479 753 297,232 Residential real estate: Consumer mortgage 60,805 111 — 60,916 41 60,957 Investment property 58,372 98 — 58,470 — 58,470 Total residential real estate 119,177 209 — 119,386 41 119,427 Consumer installment 10,071 23 — 10,094 — 10,094 Total $ 576,636 638 — 577,274 794 $ 578,068 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) June 30, 2024: Commercial and industrial Pass $ 5,671 13,080 19,641 13,026 5,350 17,043 3,485 $ 77,296 Special mention — 74 — — — — — 74 Substandard 54 6 187 10 — — — 257 Nonaccrual — — — — — — — — Total commercial and industrial 5,725 13,160 19,828 13,036 5,350 17,043 3,485 77,627 Current period gross charge-offs — — 9 — — — — 9 Construction and land development Pass 17,898 27,794 23,510 1,544 1,823 144 — 72,713 Special mention 332 404 — — — — — 736 Substandard 239 — — — — — — 239 Nonaccrual — — — — — — — — Total construction and land development 18,469 28,198 23,510 1,544 1,823 144 — 73,688 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 509 12,454 7,030 17,282 9,469 9,711 4,991 61,446 Special mention 931 254 — — — — — 1,185 Substandard — — — — — — — — Nonaccrual — — — — — 753 — 753 Total owner occupied 1,440 12,708 7,030 17,282 9,469 10,464 4,991 63,384 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 245 8,822 9,677 3,142 1,397 14,993 266 38,542 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 245 8,822 9,677 3,142 1,397 14,993 266 38,542 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) June 30, 2024: Multi-family Pass 192 11,710 17,279 1,916 5,967 6,505 566 44,135 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 192 11,710 17,279 1,916 5,967 6,505 566 44,135 Current period gross charge-offs — — — — — — — — Other Pass 26,641 21,591 26,844 25,885 13,606 18,612 16,961 150,140 Special mention 905 — — — — — — 905 Substandard — — — — 126 — — 126 Nonaccrual — — — — — — — — Total other 27,546 21,591 26,844 25,885 13,732 18,612 16,961 151,171 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 3,621 18,043 18,685 2,614 2,612 12,084 2,272 59,931 Special mention — — — — — 490 — 490 Substandard — — — — — 495 — 495 Nonaccrual — — — — — 41 — 41 Total consumer mortgage 3,621 18,043 18,685 2,614 2,612 13,110 2,272 60,957 Current period gross charge-offs — — — — — — — — Investment property Pass 7,691 12,004 11,111 8,908 12,301 5,773 281 58,069 Special mention — — — — — — — — Substandard — 82 95 — 224 — — 401 Nonaccrual — — — — — — — — Total investment property 7,691 12,086 11,206 8,908 12,525 5,773 281 58,470 Current period gross charge-offs — — — — — — — — Consumer installment Pass 3,216 3,443 2,098 359 123 191 582 10,012 Special mention — 9 27 10 — — — 46 Substandard 10 21 5 — — — — 36 Nonaccrual — — — — — — — — Total consumer installment 3,226 3,473 2,130 369 123 191 582 10,094 Current period gross charge-offs — 18 24 1 — — — 43 Total loans Pass 65,684 128,941 135,875 74,676 52,648 85,056 29,404 572,284 Special mention 2,168 741 27 10 — 490 — 3,436 Substandard 303 109 287 10 350 495 — 1,554 Nonaccrual — — — — — 794 — 794 Total loans $ 68,155 129,791 136,189 74,696 52,998 86,835 29,404 $ 578,068 Total current period gross charge-offs $ — 18 33 1 — — — 52 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
Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended June 30, Six months ended June 30, (Dollars in thousands) 2024 2023 2024 2023 Provision for credit losses: Loans $ (64) $ (331) $ 221 $ (291) Reserve for unfunded commitments (59) (31) (10) (5) Total provision for (reversal of) credit losses $ (123) $ (362) $ 211 $ (296)
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: June 30, 2024 Beginning balance $ 1,415 840 4,202 613 145 $ 7,215 Charge-offs (9) — — — (19) (28) Recoveries 8 — — 2 9 19 Net (charge-offs) recoveries (1) — — 2 (10) (9) Provision for (reversal of) credit losses (48) 102 (111) (12) 5 (64) Ending balance $ 1,366 942 4,091 603 140 $ 7,142 Six months ended: June 30, 2024 Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs (9) — — — (43) (52) Recoveries 74 — — 5 31 110 Net recoveries (charge-offs) 65 — — 5 (12) 58 Provision for (reversal of) credit losses 13 (18) 170 52 4 221 Ending balance $ 1,366 942 4,091 603 140 $ 7,142 (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: June 30, 2023 Beginning balance $ 1,232 1,021 3,966 497 105 $ 6,821 Charge-offs — — — — (56) (56) Recoveries 194 — — 5 1 200 Net recoveries (charge-offs) 194 — — 5 (55) 144 Provision for (reversal of) credit losses (228) (16) (178) 27 64 (331) Ending balance $ 1,198 1,005 3,788 529 114 $ 6,634 Six months ended: June 30, 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 — — — — (67) (67) Recoveries 196 — — 10 2 208 Net recoveries (charge-offs) 196 — — 10 (65) 141 Provision for (reversal of) credit losses (277) 73 (194) 38 69 (291) Ending balance $ 1,198 1,005 3,788 529 114 $ 6,634
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 June 30, 2024 Commercial real estate $ 753 — 753 Residential real estate — 41 41 Total $ 753 41 794 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 June 30, 2024: Commercial real estate $ 753 $ 753 Total $ 753 $ 753 December 31, 2023: Commercial real estate $ 783 $ 783 Total $ 783 $ 783

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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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