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Loan and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | September 30, December 31, (Dollars in thousands) 2025 2024 Commercial and industrial $ 55,102 $ 63,274 Construction and land development 79,045 82,493 Commercial real estate: Owner occupied 61,621 55,346 Hotel/motel 34,686 35,210 Multi-family 51,543 43,556 Other 150,831 155,880 Total commercial real estate 298,681 289,992 Residential real estate: Consumer mortgage 59,419 60,399 Investment property 56,860 58,228 Total residential real estate 116,279 118,627 Consumer installment 8,805 9,631 Total Loans $ 557,912 $ 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 September 30, 2025: Commercial and industrial $ 55,058 44 — 55,102 — $ 55,102 Construction and land development 79,028 17 — 79,045 — 79,045 Commercial real estate: Owner occupied 61,621 — — 61,621 — 61,621 Hotel/motel 34,686 — — 34,686 — 34,686 Multi-family 51,543 — — 51,543 — 51,543 Other 150,831 — — 150,831 — 150,831 Total commercial real estate 298,681 — — 298,681 — 298,681 Residential real estate: Consumer mortgage 59,269 5 77 59,351 68 59,419 Investment property 56,824 — — 56,824 36 56,860 Total residential real estate 116,093 5 77 116,175 104 116,279 Consumer installment 8,780 25 — 8,805 — 8,805 Total $ 557,640 91 77 557,808 104 $ 557,912 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) September 30, 2025: Commercial and industrial Pass $ 5,899 4,440 5,140 7,832 11,061 19,001 1,395 $ 54,768 Special mention 114 6 1 — — 46 9 176 Substandard — — 7 — — — 151 158 Nonaccrual — — — — — — — — Total commercial and industrial 6,013 4,446 5,148 7,832 11,061 19,047 1,555 55,102 Current period gross charge-offs — — 99 4 — — — 103 Construction and land development Pass 17,376 37,622 16,279 2,116 372 80 5,200 79,045 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 17,376 37,622 16,279 2,116 372 80 5,200 79,045 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 9,789 1,377 12,017 6,368 11,830 14,281 4,067 59,729 Special mention 628 — — — 764 — — 1,392 Substandard — 500 — — — — — 500 Nonaccrual — — — — — — — — Total owner occupied 10,417 1,877 12,017 6,368 12,594 14,281 4,067 61,621 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 5,068 429 6,082 9,092 2,982 10,886 147 34,686 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 5,068 429 6,082 9,092 2,982 10,886 147 34,686 Current period gross charge-offs — — — — — — — — Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) September 30, 2025: Multi-family Pass 785 3,640 11,905 20,644 1,794 7,608 2,118 48,494 Special mention — — — — — — 3,049 3,049 Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 785 3,640 11,905 20,644 1,794 7,608 5,167 51,543 Current period gross charge-offs — — — — — — — — Other Pass 21,843 33,824 17,194 29,184 18,848 26,974 2,100 149,967 Special mention — 366 — — 498 — — 864 Substandard — — — — — — — — Nonaccrual — — — — — — — — Total other 21,843 34,190 17,194 29,184 19,346 26,974 2,100 150,831 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 4,245 4,784 16,110 17,385 2,411 11,417 1,668 58,020 Special mention — — — — — 249 — 249 Substandard 245 — — — — 837 — 1,082 Nonaccrual — — 68 — — — — 68 Total consumer mortgage 4,490 4,784 16,178 17,385 2,411 12,503 1,668 59,419 Current period gross charge-offs — — 4 — — 1 — 5 Investment property Pass 6,582 8,515 10,506 9,964 7,015 12,298 1,611 56,491 Special mention — — — — — — — — Substandard 237 — — — 5 — 91 333 Nonaccrual — — 36 — — — — 36 Total investment property 6,819 8,515 10,542 9,964 7,020 12,298 1,702 56,860 Current period gross charge-offs — — 2 — — — — 2 Consumer installment Pass 3,507 2,377 1,197 1,063 153 86 362 8,745 Special mention — 10 15 — — — — 25 Substandard 8 6 13 8 — — — 35 Nonaccrual — — — — — — — — Total consumer installment 3,515 2,393 1,225 1,071 153 86 362 8,805 Current period gross charge-offs 42 45 9 — — — — 96 Total loans Pass 75,094 97,008 96,430 103,648 56,466 102,631 18,668 549,945 Special mention 742 382 16 — 1,262 295 3,058 5,755 Substandard 490 506 20 8 5 837 242 2,108 Nonaccrual — — 104 — — — — 104 Total loans $ 76,326 97,896 96,570 103,656 57,733 103,763 21,968 $ 557,912 Total current period gross charge-offs $ 42 45 114 4 — 1 — $ 206 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 T otal current period gross charge-offs $ 25 42 51 1 — 65 — $ 184
Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended September 30, Nine months ended September 30, (Dollars in thousands) 2025 2024 2025 2024 Provision for credit losses: Loans $ (196) $ (206) $ (87) $ 15 Reserve for unfunded commitments (59) 79 (65) 69 Total provision for credit losses $ (255) $ (127) $ (152) $ 84
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 September 30, 2025: Beginning balance $ 1,212 1,613 3,151 866 123 $ 6,965 Charge-offs — — — — (87) (87) Recoveries — — — 4 5 9 Net recoveries (charge-offs) — — — 4 (82) (78) Provision for credit losses (86) (61) (113) (34) 98 (196) Ending balance $ 1,126 1,552 3,038 836 139 $ 6,691 Nine months ended September 30, 2025: Beginning balance $ 1,244 1,059 3,842 588 138 $ 6,871 Charge-offs (103) — — (7) (96) (206) Recoveries 30 — — 68 15 113 Net (charge-offs) recoveries (73) — — 61 (81) (93) Provision for credit losses (45) 493 (804) 187 82 (87) Ending balance $ 1,126 1,552 3,038 836 139 $ 6,691 Quarter ended September 30, 2024: Beginning balance $ 1,366 942 4,091 603 140 $ 7,142 Charge-offs — — — (54) (40) (94) Recoveries 25 — — 2 7 34 Net recoveries (charge-offs) 25 — — (52) (33) (60) Provision for credit losses (231) 43 (102) 44 40 (206) Ending balance $ 1,160 985 3,989 595 147 $ 6,876 Nine months ended September 30, 2024: Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs (9) — — (54) (83) (146) Recoveries 99 — — 7 38 144 Net recoveries (charge-offs) 90 — — (47) (45) (2) Provision for credit losses (218) 25 68 96 44 15 Ending balance $ 1,160 985 3,989 595 147 $ 6,876
Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | Nonaccrual Loans Nonaccrual Loans Total (Dollars in thousands) With No Allowance With An Allowance Nonaccrual Loans September 30, 2025 Residential real estate $ — 104 $ 104 Total $ — 104 $ 104 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 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://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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