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v3.25.1

Loan and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | March 31, December 31, (Dollars in thousands) 2025 2024 Commercial and industrial $ 59,061 $ 63,274 Construction and land development 86,403 82,493 Commercial real estate: Owner occupied 61,079 55,346 Hotel/motel 34,607 35,210 Multi-family 43,198 43,556 Other 149,469 155,880 Total commercial real estate 288,353 289,992 Residential real estate: Consumer mortgage 59,659 60,399 Investment property 57,841 58,228 Total residential real estate 117,500 118,627 Consumer installment 9,333 9,631 Total Loans $ 560,650 $ 564,017
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, 2025: Commercial and industrial $ 58,994 64 — 59,058 3 $ 59,061 Construction and land development 85,894 105 — 85,999 404 86,403 Commercial real estate: Owner occupied 61,079 — — 61,079 — 61,079 Hotel/motel 34,607 — — 34,607 — 34,607 Multi-family 43,198 — — 43,198 — 43,198 Other 149,350 119 — 149,469 — 149,469 Total commercial real estate 288,234 119 — 288,353 — 288,353 Residential real estate: Consumer mortgage 59,183 403 — 59,586 73 59,659 Investment property 57,724 — 77 57,801 40 57,841 Total residential real estate 116,907 403 77 117,387 113 117,500 Consumer installment 9,262 71 — 9,333 — 9,333 Total $ 559,291 762 77 560,130 520 $ 560,650 December 31, 2024: Commercial and industrial $ 63,163 12 — 63,175 99 $ 63,274 Construction and land development 82,089 — — 82,089 404 82,493 Commercial real estate: Owner occupied 55,346 — — 55,346 — 55,346 Hotel/motel 35,210 — — 35,210 — 35,210 Multi-family 43,556 — — 43,556 — 43,556 Other 155,880 — — 155,880 — 155,880 Total commercial real estate 289,992 — — 289,992 — 289,992 Residential real estate: Consumer mortgage 59,677 722 — 60,399 — 60,399 Investment property 58,179 49 — 58,228 — 58,228 Total residential real estate 117,856 771 — 118,627 — 118,627 Consumer installment 9,579 52 — 9,631 — 9,631 Total $ 562,679 835 — 563,514 503 $ 564,017
Financing Receivable Credit Quality Indicators [Table Text Block] | Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) March 31, 2025: Commercial and industrial Pass $ 2,160 5,714 6,740 8,130 12,128 21,273 2,550 $ 58,695 Special mention — 49 74 — — — — 123 Substandard 51 — 19 164 6 — — 240 Nonaccrual — — — 3 — — — 3 Total commercial and industrial 2,211 5,763 6,833 8,297 12,134 21,273 2,550 59,061 Current period gross charge-offs — — 99 — — — — 99 Construction and land development Pass 4,983 35,676 23,353 16,671 951 737 3,628 85,999 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — 404 — — — — — 404 Total construction and land development 4,983 36,080 23,353 16,671 951 737 3,628 86,403 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 7,216 1,440 10,856 6,626 16,856 14,968 2,028 59,990 Special mention — — — — — 581 — 581 Substandard — 508 — — — — — 508 Nonaccrual — — — — — — — — Total owner occupied 7,216 1,948 10,856 6,626 16,856 15,549 2,028 61,079 Current period gross charge-offs — — — — — — — — Hotel/motel Pass — 461 6,397 9,322 3,047 15,380 — 34,607 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel — 461 6,397 9,322 3,047 15,380 — 34,607 Current period gross charge-offs — — — — — — — — Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) March 31, 2025: Multi-family Pass 20 3,728 8,495 16,930 1,843 12,160 22 43,198 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 20 3,728 8,495 16,930 1,843 12,160 22 43,198 Current period gross charge-offs — — — — — — — — Other Pass 974 32,992 19,560 30,079 21,556 31,565 12,624 149,350 Special mention — — — — — — — — Substandard — — — — — 119 — 119 Nonaccrual — — — — — — — — Total other 974 32,992 19,560 30,079 21,556 31,684 12,624 149,469 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 806 5,003 17,298 17,824 2,598 13,201 1,582 58,312 Special mention — 244 — — — 262 — 506 Substandard — — — — — 768 — 768 Nonaccrual — — 73 — — — — 73 Total consumer mortgage 806 5,247 17,371 17,824 2,598 14,231 1,582 59,659 Current period gross charge-offs — — — — — 1 — 1 Investment property Pass 1,409 10,306 10,404 10,661 8,157 15,573 762 57,272 Special mention — — — — — — — — Substandard — 287 — 93 7 142 — 529 Nonaccrual — — 40 — — — — 40 Total investment property 1,409 10,593 10,444 10,754 8,164 15,715 762 57,841 Current period gross charge-offs — — — — — — — — Consumer installment Pass 2,022 3,401 1,688 1,461 230 107 333 9,242 Special mention 1 — 11 — 9 — — 21 Substandard — 46 15 9 — — — 70 Nonaccrual — — — — — — — — Total consumer installment 2,023 3,447 1,714 1,470 239 107 333 9,333 Current period gross charge-offs — — — — — — — — Total loans Pass 19,590 98,721 104,791 117,704 67,366 124,964 23,529 556,665 Special mention 1 293 85 — 9 843 — 1,231 Substandard 51 841 34 266 13 1,029 — 2,234 Nonaccrual — 404 113 3 — — — 520 Total loans $ 19,642 100,259 105,023 117,973 67,388 126,836 23,529 $ 560,650 Total current period gross charge-offs $ — — 99 — — 1 — 100 Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Commercial and industrial Pass $ 11,290 7,265 8,488 9,677 4,659 16,989 4,425 $ 62,793 Special mention 49 74 — — — — — 123 Substandard 50 21 181 7 — — — 259 Nonaccrual — 99 — — — — — 99 Total commercial and industrial 11,389 7,459 8,669 9,684 4,659 16,989 4,425 63,274 Current period gross charge-offs — — 9 — — — — 9 Construction and land development Pass 31,144 29,520 16,504 1,794 1,434 104 1,589 $ 82,089 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual 404 — — — — — — 404 Total construction and land development 31,548 29,520 16,504 1,794 1,434 104 1,589 82,493 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 1,921 11,206 6,776 17,114 3,396 12,030 1,552 $ 53,995 Special mention — 249 — — 591 — — 840 Substandard 511 — — — — — — 511 Nonaccrual — — — — — — — — Total owner occupied 2,432 11,455 6,776 17,114 3,987 12,030 1,552 55,346 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Multi-family Pass 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Current period gross charge-offs — — — — — — — — Other Pass 43,753 21,085 32,521 21,249 16,743 16,289 4,120 155,760 Special mention — — — — — — — — Substandard — — — — 120 — — 120 Nonaccrual — — — — — — — — Total other 43,753 21,085 32,521 21,249 16,863 16,289 4,120 155,880 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 5,885 18,389 18,434 2,466 2,565 10,590 808 59,137 Special mention 243 — — — 2 486 — 731 Substandard — — — — — 531 — 531 Nonaccrual — — — — — — — — Total consumer mortgage 6,128 18,389 18,434 2,466 2,567 11,607 808 60,399 Current period gross charge-offs — — — — — 61 — 61 Investment property Pass 10,339 10,824 10,651 8,305 11,435 4,794 1,317 57,665 Special mention — — — — — — — — Substandard 278 40 93 9 143 — — 563 Nonaccrual — — — — — — — — Total investment property 10,617 10,864 10,744 8,314 11,578 4,794 1,317 58,228 Current period gross charge-offs — — — — — — — — Consumer installment Pass 5,015 2,057 1,911 296 90 113 67 9,549 Special mention — 9 — 9 — — — 18 Substandard 39 15 10 — — — — 64 Nonaccrual — — — — — — — — Total consumer installment 5,054 2,081 1,921 305 90 113 67 9,631 Current period gross charge-offs 25 42 42 1 — 4 — 114 Total loans Pass 113,566 112,867 117,625 65,843 45,114 81,746 22,993 559,754 Special mention 292 332 — 9 593 486 — 1,712 Substandard 878 76 284 16 263 531 — 2,048 Nonaccrual 404 99 — — — — — 503 Total loans $ 115,140 113,374 117,909 65,868 45,970 82,763 22,993 $ 564,017 Total current period gross charge-offs $ 25 42 51 1 — 65 — 184
Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended March 31, (Dollars in thousands) 2025 2024 Provision for credit losses: Loans $ (57) $ 285 Reserve for unfunded commitments 47 49 Total provision for credit losses $ (10) $ 334
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, 2025: Beginning balance $ 1,244 1,059 3,842 588 138 $ 6,871 Charge-offs (99) — — (1) — (100) Recoveries 28 — — 2 6 36 Net (charge-offs) recoveries (71) — — 1 6 (64) Provision for credit losses 46 342 (689) 272 (28) (57) Ending balance $ 1,219 1,401 3,153 861 116 $ 6,750 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
Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | (Dollars in thousands) No Allowance With an Allowance Total March 31, 2025 Commercial and industrial $ — 3 3 Construction and land development — 404 404 Residential real estate — 113 113 Total $ — 520 520 December 31, 2024 Commercial and industrial $ — 99 99 Construction and land development 404 — 404 Total $ 404 99 503
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | Business (Dollars in thousands) Real Estate Assets Total Loans March 31, 2025: Construction and land development $ 404 — $ 404 Total $ 404 — $ 404 December 31, 2024: Commercial and industrial $ — 99 $ 99 Construction and land development $ 404 — $ 404 Total $ 404 99 $ 503

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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://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: 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 + Details
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