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Note 4 - Allowance for Credit Losses on Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Balance |  |  | $ 17,297 | $ 17,510 | [1] | $ 16,116 | $ 16,116 |
Write-offs | $ (516) |  |  | (8,808) |  | (2,668) | (3,322) |
Recoveries | 66 |  |  |  |  | 93 |  |
Provision for credit losses | 3,077 |  | 880 | 12,956 |  | 1,195 |  |
Balance | 21,970 | [1] | 16,945 | 21,970 | [1] | 16,945 | 17,510 | [1]
Recoveries | (66) |  |  |  |  | (93) |  |
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 19,343 |  |  |  |  | 18,325 | 18,325 |
Recoveries |  |  | (501) | 312 |  |  |  |
Recoveries |  |  | 501 | (312) |  |  |  |
Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 2,209 | 2,209 |
Write-offs |  |  | (731) | (8,808) |  |  |  |
Real Estate Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |  |  |  |  |  |
Balance |  |  | 3,012 | 2,975 |  | 3,343 | 3,343 |
Write-offs | 0 |  |  | 0 |  | 0 | 0 |
Recoveries | 42 |  |  |  |  | 4 |  |
Provision for credit losses | (270) |  | 526 | 1,289 |  | 620 |  |
Balance | 4,308 |  | 3,538 | 4,308 |  | 3,538 | 2,975 |
Recoveries | (42) |  |  |  |  | (4) |  |
Real Estate Portfolio Segment [Member] | One-to-four Family Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 4,536 |  |  |  |  | 2,914 | 2,914 |
Recoveries |  |  | 0 | 44 |  |  |  |
Recoveries |  |  | 0 | (44) |  |  |  |
Real Estate Portfolio Segment [Member] | One-to-four Family Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | (429) | (429) |
Write-offs |  |  | 0 | 0 |  |  |  |
Real Estate Portfolio Segment [Member] | Multi-family Loan [Member] |  |  |  |  |  |  |  |
Balance |  |  | 1,041 | 1,154 |  | 2,468 | 2,468 |
Write-offs | 0 |  |  | 0 |  | 0 | 0 |
Recoveries | 0 |  |  |  |  | 0 |  |
Provision for credit losses | 965 |  | 230 | 1,435 |  | 252 |  |
Balance | 2,589 |  | 1,271 | 2,589 |  | 1,271 | 1,154 |
Recoveries | 0 |  |  |  |  | 0 |  |
Real Estate Portfolio Segment [Member] | Multi-family Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 1,624 |  |  |  |  | 1,019 | 1,019 |
Recoveries |  |  | 0 | 0 |  |  |  |
Recoveries |  |  | 0 | 0 |  |  |  |
Real Estate Portfolio Segment [Member] | Multi-family Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | (1,449) | (1,449) |
Write-offs |  |  | 0 | 0 |  |  |  |
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] |  |  |  |  |  |  |  |
Balance |  |  | 2,924 | 3,671 |  | 4,217 | 4,217 |
Write-offs | 0 |  |  | 0 |  | 0 | 0 |
Recoveries | 0 |  |  |  |  | 0 |  |
Provision for credit losses | (495) |  | (390) | (1,034) |  | (1,079) |  |
Balance | 2,637 |  | 2,534 | 2,637 |  | 2,534 | 3,671 |
Recoveries | 0 |  |  |  |  | 0 |  |
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 3,132 |  |  |  |  | 3,613 | 3,613 |
Recoveries |  |  | 0 | 0 |  |  |  |
Recoveries |  |  | 0 | 0 |  |  |  |
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | (604) | (604) |
Write-offs |  |  | 0 | 0 |  |  |  |
Real Estate Portfolio Segment [Member] | Construction Loans [Member] |  |  |  |  |  |  |  |
Balance |  |  | 2,535 | 1,889 |  | 2,344 | 2,344 |
Write-offs | 0 |  |  | (3,978) |  | 0 | 0 |
Recoveries | 0 |  |  |  |  | 0 |  |
Provision for credit losses | (85) |  | (352) | 2,805 |  | (1,716) |  |
Balance | 716 |  | 2,183 | 716 |  | 2,183 | 1,889 |
Recoveries | 0 |  |  |  |  | 0 |  |
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 801 |  |  |  |  | 3,899 | 3,899 |
Recoveries |  |  | 0 | 0 |  |  |  |
Recoveries |  |  | 0 | 0 |  |  |  |
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 1,555 | 1,555 |
Write-offs |  |  | 0 | (3,978) |  |  |  |
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] |  |  |  |  |  |  |  |
Balance |  |  | 1,125 | 1,077 |  | 549 | 549 |
Write-offs | 0 |  |  | 0 |  | (11) | (10) |
Recoveries | 0 |  |  |  |  | 5 |  |
Provision for credit losses | (446) |  | 178 | 169 |  | 414 |  |
Balance | 1,246 |  | 1,303 | 1,246 |  | 1,303 | 1,077 |
Recoveries | 0 |  |  |  |  | (5) |  |
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 1,692 |  |  |  |  | 895 | 895 |
Recoveries |  |  | 0 | 0 |  |  |  |
Recoveries |  |  | 0 | 0 |  |  |  |
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 346 | 346 |
Write-offs |  |  | 0 | 0 |  |  |  |
Consumer Portfolio Segment [Member] | Automobile and Other Loan [Member] |  |  |  |  |  |  |  |
Balance |  |  | 4,795 | 4,409 |  | 2,024 | 2,024 |
Write-offs | (492) |  |  |  |  | (2,657) |  |
Recoveries | 24 |  |  |  |  | 84 |  |
Provision for credit losses | 805 |  | 601 | 386 |  | 2,332 |  |
Balance | 2,933 |  | 4,164 | 2,933 |  | 4,164 | 4,409 |
Recoveries | (24) |  |  |  |  | (84) |  |
Consumer Portfolio Segment [Member] | Automobile and Other Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | 2,596 |  |  |  |  | 4,405 | 4,405 |
Recoveries |  |  | (501) | 268 |  |  |  |
Recoveries |  |  | 501 | (268) |  |  |  |
Consumer Portfolio Segment [Member] | Automobile and Other Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 2,381 | 2,381 |
Write-offs |  |  | (731) | (2,130) |  |  |  |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |  |
Balance |  |  | 1,865 | 2,335 |  | 786 | 786 |
Write-offs | (24) |  |  | (2,700) |  | 0 | 0 |
Recoveries | 0 |  |  |  |  | 0 |  |
Provision for credit losses | 2,603 |  | 87 | 7,906 |  | 372 |  |
Balance | 7,541 |  | 1,952 | 7,541 |  | 1,952 | 2,335 |
Recoveries | 0 |  |  |  |  | 0 |  |
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance | $ 4,962 |  |  |  |  | 1,580 | 1,580 |
Recoveries |  |  | 0 | 0 |  |  |  |
Recoveries |  |  | 0 | 0 |  |  |  |
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 794 | 794 |
Write-offs |  |  | 0 | $ (2,700) |  |  |  |
Unallocated Financing Receivables [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 385 | 385 |
Write-offs |  |  |  |  |  | 0 |  |
Recoveries |  |  |  |  |  | 0 |  |
Provision for credit losses |  |  |  |  |  | 0 |  |
Balance |  |  | $ 0 |  |  | 0 |  |
Recoveries |  |  |  |  |  | 0 |  |
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | 0 | 0 |
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Balance |  |  |  |  |  | $ (385) | $ (385) |
[1] | Allowance for credit losses on loans in 2023 reported using the CECL method and in 2022 reported using the incurred loss method.

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