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Note 3 - Loans

12 Months Ended

Dec. 31, 2025

Notes to Financial Statements

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

Note 3: Loans

A summary of loans by major category as of December 31, 2025 and 2024 is as follows:

		December 31, 2025				December 31, 2024
			(Dollars in thousands)
First mortgage loans
1-4 family residential		$	118,222			$	119,409
Multi-family			3,240				3,368
Commercial			3,813				4,197
Construction			3,921				3,651
Total first mortgage loans			129,196				130,625
Consumer loans			268				282
Total loans			129,464				130,907
Net deferred loan costs			299				650
Allowance for credit losses on loans			(1,128	)			(1,201	)
Total loans, net		$	128,635			$	130,356

First mortgage loans serviced and subserviced for others are not included in the accompanying Consolidated Balance Sheets. The unpaid principal balance of these loans totaled $41.0 million and $13.9 million at December 31, 2025 and 2024, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing were $480,000 and $236,000 at December 31, 2025 and 2024, respectively. 

In the normal course of business, loans are made by the Bank to directors and officers of the Company and the Bank (related parties). The terms of these loans, including interest rate and collateral, are similar to those prevailing for comparable transactions with other customers and do not involve more than a normal risk of collectability. At December 31, 2025 and 2024, such borrowers were indebted to the Bank in the aggregate amount of $564,000 and $587,000, respectively.

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- References

No definition available.

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- Definition

The entire disclosure for claims held for amounts due to entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/310-10/tableOfContent

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

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