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Loan and Allowance for Credit Losses (Tables)
9 Months Ended
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