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Note 4 - Allowance for Credit Losses on Loans (Tables) | 9 Months Ended
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Sep. 30, 2024
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | At or For the Three Months Ended September 30, 2024 |
|  | Beginning Balance |  |  | Charge-offs |  |  | Recoveries |  |  | (Recapture of) Provision for Credit Losses |  |  | Ending Balance |
|  | (In thousands) |
One-to-four family |  | $ | 4,536 |  |  | $ | — |  |  | $ | 42 |  |  | $ | (270 | ) |  | $ | 4,308 |
Multi-family |  |  | 1,624 |  |  |  | — |  |  |  | — |  |  |  | 965 |  |  |  | 2,589 |
Commercial real estate |  |  | 3,132 |  |  |  | — |  |  |  | — |  |  |  | (495 | ) |  |  | 2,637 |
Construction and land |  |  | 801 |  |  |  | — |  |  |  | — |  |  |  | (85 | ) |  |  | 716 |
Home equity |  |  | 1,692 |  |  |  | — |  |  |  | — |  |  |  | (446 | ) |  |  | 1,246 |
Auto and other consumer |  |  | 2,596 |  |  |  | (492 | ) |  |  | 24 |  |  |  | 805 |  |  |  | 2,933 |
Commercial business |  |  | 4,962 |  |  |  | (24 | ) |  |  | — |  |  |  | 2,603 |  |  |  | 7,541 |
Total |  | $ | 19,343 |  |  | $ | (516 | ) |  | $ | 66 |  |  | $ | 3,077 |  |  | $ | 21,970 |
|  | At or For the Nine Months Ended September 30, 2024 |
|  | Beginning Balance |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for (Recapture of) Credit Losses |  |  | Ending Balance |
|  | (In thousands) |
One-to-four family |  | $ | 2,975 |  |  | $ | — |  |  | $ | 44 |  |  | $ | 1,289 |  |  | $ | 4,308 |
Multi-family |  |  | 1,154 |  |  |  | — |  |  |  | — |  |  |  | 1,435 |  |  |  | 2,589 |
Commercial real estate |  |  | 3,671 |  |  |  | — |  |  |  | — |  |  |  | (1,034 | ) |  |  | 2,637 |
Construction and land |  |  | 1,889 |  |  |  | (3,978 | ) |  |  | — |  |  |  | 2,805 |  |  |  | 716 |
Home equity |  |  | 1,077 |  |  |  | — |  |  |  | — |  |  |  | 169 |  |  |  | 1,246 |
Auto and other consumer |  |  | 4,409 |  |  |  | (2,130 | ) |  |  | 268 |  |  |  | 386 |  |  |  | 2,933 |
Commercial business |  |  | 2,335 |  |  |  | (2,700 | ) |  |  | — |  |  |  | 7,906 |  |  |  | 7,541 |
Total |  | $ | 17,510 |  |  | $ | (8,808 | ) |  | $ | 312 |  |  | $ | 12,956 |  |  | $ | 21,970 |
|  | At or For the Three Months Ended September 30, 2023 |
|  | Beginning Balance |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for (Recapture of) Credit Losses |  |  | Ending Balance |
|  | (In thousands) |
One-to-four family |  | $ | 3,012 |  |  | $ | — |  |  | $ | — |  |  | $ | 526 |  |  | $ | 3,538 |
Multi-family |  |  | 1,041 |  |  |  | — |  |  |  | — |  |  |  | 230 |  |  |  | 1,271 |
Commercial real estate |  |  | 2,924 |  |  |  | — |  |  |  | — |  |  |  | (390 | ) |  |  | 2,534 |
Construction and land |  |  | 2,535 |  |  |  | — |  |  |  | — |  |  |  | (352 | ) |  |  | 2,183 |
Home equity |  |  | 1,125 |  |  |  | — |  |  |  | — |  |  |  | 178 |  |  |  | 1,303 |
Auto and other consumer |  |  | 4,795 |  |  |  | (731 | ) |  |  | (501 | ) |  |  | 601 |  |  |  | 4,164 |
Commercial business |  |  | 1,865 |  |  |  | — |  |  |  | — |  |  |  | 87 |  |  |  | 1,952 |
Total |  | $ | 17,297 |  |  | $ | (731 | ) |  | $ | (501 | ) |  | $ | 880 |  |  | $ | 16,945 |
|  | At or For the Nine Months Ended September 30, 2023 |
|  | Beginning Balance |  |  | Impact of Day 1 CECL Adoption |  |  | Adjusted Beginning Balance |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for (Recapture of) Credit Losses |  |  | Ending Balance |
|  | (In thousands) |
One-to-four family |  | $ | 3,343 |  |  | $ | (429 | ) |  | $ | 2,914 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 620 |  |  | $ | 3,538 |
Multi-family |  |  | 2,468 |  |  |  | (1,449 | ) |  |  | 1,019 |  |  |  | — |  |  |  | — |  |  |  | 252 |  |  |  | 1,271 |
Commercial real estate |  |  | 4,217 |  |  |  | (604 | ) |  |  | 3,613 |  |  |  | — |  |  |  | — |  |  |  | (1,079 | ) |  |  | 2,534 |
Construction and land |  |  | 2,344 |  |  |  | 1,555 |  |  |  | 3,899 |  |  |  | — |  |  |  | — |  |  |  | (1,716 | ) |  |  | 2,183 |
Home equity |  |  | 549 |  |  |  | 346 |  |  |  | 895 |  |  |  | (11 | ) |  |  | 5 |  |  |  | 414 |  |  |  | 1,303 |
Auto and other consumer |  |  | 2,024 |  |  |  | 2,381 |  |  |  | 4,405 |  |  |  | (2,657 | ) |  |  | 84 |  |  |  | 2,332 |  |  |  | 4,164 |
Commercial business |  |  | 786 |  |  |  | 794 |  |  |  | 1,580 |  |  |  | — |  |  |  | — |  |  |  | 372 |  |  |  | 1,952 |
Unallocated |  |  | 385 |  |  |  | (385 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 16,116 |  |  | $ | 2,209 |  |  | $ | 18,325 |  |  | $ | (2,668 | ) |  | $ | 93 |  |  | $ | 1,195 |  |  | $ | 16,945 |

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