Note 3 - Loans and Allowance for Credit Losses on Loans - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands |
3 Months Ended |
6 Months Ended |
12 Months Ended |
Jun. 30, 2025 |
Jun. 30, 2024 |
Jun. 30, 2025 |
Jun. 30, 2024 |
Dec. 31, 2024 |
| Beginning balance |
$ 88,814
|
$ 80,897
|
$ 86,943
|
$ 79,374
|
$ 79,374
|
| Loans, individually evaluated for impairment |
26,857
|
|
26,857
|
|
30,898
|
| Provision for credit losses |
2,250
|
1,075
|
3,150
|
2,250
|
|
| Charge-offs |
(553)
|
(347)
|
(1,167)
|
(609)
|
(2,776)
|
| Recoveries |
211
|
530
|
1,796
|
1,140
|
|
| Ending balance |
90,722
|
82,155
|
90,722
|
82,155
|
86,943
|
| Allowance for loans, individually evaluated for impairment |
5,948
|
|
5,948
|
|
3,848
|
| Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
25,409
|
|
25,409
|
|
26,204
|
| Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
566
|
|
566
|
|
4,262
|
| Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
882
|
|
882
|
|
432
|
| Commercial Real Estate Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
26,455
|
33,053
|
24,127
|
33,800
|
33,800
|
| Loans, individually evaluated for impairment |
15,574
|
|
15,574
|
|
15,246
|
| Provision for credit losses |
849
|
(10,364)
|
3,159
|
(11,131)
|
|
| Charge-offs |
(38)
|
0
|
(38)
|
0
|
|
| Recoveries |
8
|
62
|
26
|
82
|
|
| Ending balance |
27,274
|
22,751
|
27,274
|
22,751
|
24,127
|
| Allowance for loans, individually evaluated for impairment |
2,604
|
|
2,604
|
|
1,839
|
| Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
15,574
|
|
15,574
|
|
15,246
|
| Commercial Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Commercial Real Estate Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Commercial and Industrial Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
28,306
|
20,174
|
27,780
|
20,854
|
20,854
|
| Loans, individually evaluated for impairment |
2,282
|
|
2,282
|
|
5,427
|
| Provision for credit losses |
369
|
7,045
|
(262)
|
5,931
|
|
| Charge-offs |
(82)
|
(67)
|
(342)
|
(90)
|
|
| Recoveries |
25
|
302
|
1,442
|
759
|
|
| Ending balance |
28,618
|
27,454
|
28,618
|
27,454
|
27,780
|
| Allowance for loans, individually evaluated for impairment |
1,297
|
|
1,297
|
|
655
|
| Commercial and Industrial Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
1,189
|
|
1,189
|
|
1,089
|
| Commercial and Industrial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
566
|
|
566
|
|
4,262
|
| Commercial and Industrial Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
527
|
|
527
|
|
76
|
| Residential Real Estate Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
17,925
|
16,557
|
19,622
|
13,598
|
13,598
|
| Loans, individually evaluated for impairment |
7,285
|
|
7,285
|
|
9,488
|
| Provision for credit losses |
876
|
1,018
|
(774)
|
3,976
|
|
| Charge-offs |
(3)
|
(7)
|
(53)
|
(21)
|
|
| Recoveries |
54
|
5
|
57
|
20
|
|
| Ending balance |
18,852
|
17,573
|
18,852
|
17,573
|
19,622
|
| Allowance for loans, individually evaluated for impairment |
2,021
|
|
2,021
|
|
1,300
|
| Residential Real Estate Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
7,285
|
|
7,285
|
|
9,488
|
| Residential Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Residential Real Estate Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Construction and Development [Member] |
|
|
|
|
|
| Beginning balance |
11,387
|
7,459
|
10,981
|
7,593
|
7,593
|
| Loans, individually evaluated for impairment |
1,361
|
|
1,361
|
|
311
|
| Provision for credit losses |
(253)
|
2,570
|
153
|
2,436
|
|
| Charge-offs |
0
|
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
|
| Ending balance |
11,134
|
10,029
|
11,134
|
10,029
|
10,981
|
| Allowance for loans, individually evaluated for impairment |
0
|
|
0
|
|
20
|
| Construction and Development [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
1,361
|
|
1,361
|
|
311
|
| Construction and Development [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Construction and Development [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Consumer Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
2,844
|
1,500
|
2,531
|
1,407
|
1,407
|
| Loans, individually evaluated for impairment |
355
|
|
355
|
|
356
|
| Provision for credit losses |
293
|
1,108
|
696
|
1,300
|
|
| Charge-offs |
(377)
|
(203)
|
(580)
|
(413)
|
(785)
|
| Recoveries |
117
|
147
|
230
|
258
|
|
| Ending balance |
2,877
|
2,552
|
2,877
|
2,552
|
2,531
|
| Allowance for loans, individually evaluated for impairment |
26
|
|
26
|
|
34
|
| Consumer Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Consumer Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Consumer Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
355
|
|
355
|
|
356
|
| Finance Leases Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
341
|
232
|
370
|
220
|
220
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Provision for credit losses |
49
|
179
|
20
|
191
|
|
| Charge-offs |
0
|
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
|
| Ending balance |
390
|
411
|
390
|
411
|
370
|
| Allowance for loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Finance Leases Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Finance Leases Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Finance Leases Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
14,616
|
21,823
|
13,935
|
22,133
|
22,133
|
| Loans, individually evaluated for impairment |
10,611
|
|
10,611
|
|
11,699
|
| Provision for credit losses |
654
|
(8,808)
|
1,317
|
(9,134)
|
|
| Charge-offs |
0
|
0
|
0
|
0
|
0
|
| Recoveries |
8
|
17
|
26
|
33
|
|
| Ending balance |
15,278
|
13,032
|
15,278
|
13,032
|
13,935
|
| Allowance for loans, individually evaluated for impairment |
1,760
|
|
1,760
|
|
1,075
|
| Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
10,611
|
|
10,611
|
|
11,699
|
| Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
4,487
|
4,731
|
5,154
|
4,282
|
4,282
|
| Loans, individually evaluated for impairment |
2,028
|
|
2,028
|
|
2,974
|
| Provision for credit losses |
103
|
(483)
|
(564)
|
(34)
|
|
| Charge-offs |
(3)
|
0
|
(3)
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
|
| Ending balance |
4,587
|
4,248
|
4,587
|
4,248
|
5,154
|
| Allowance for loans, individually evaluated for impairment |
753
|
|
753
|
|
852
|
| Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
2,028
|
|
2,028
|
|
2,974
|
| Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
11,839
|
11,230
|
10,192
|
11,667
|
11,667
|
| Loans, individually evaluated for impairment |
4,963
|
|
4,963
|
|
3,547
|
| Provision for credit losses |
195
|
(1,556)
|
1,842
|
(1,997)
|
|
| Charge-offs |
(38)
|
0
|
(38)
|
0
|
0
|
| Recoveries |
0
|
45
|
0
|
49
|
|
| Ending balance |
11,996
|
9,719
|
11,996
|
9,719
|
10,192
|
| Allowance for loans, individually evaluated for impairment |
844
|
|
844
|
|
764
|
| Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
4,963
|
|
4,963
|
|
3,547
|
| Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
13,438
|
11,826
|
14,468
|
9,316
|
9,316
|
| Loans, individually evaluated for impairment |
5,257
|
|
5,257
|
|
6,514
|
| Provision for credit losses |
773
|
1,501
|
(210)
|
4,010
|
|
| Charge-offs |
0
|
(7)
|
(50)
|
(21)
|
(356)
|
| Recoveries |
54
|
5
|
57
|
20
|
|
| Ending balance |
14,265
|
13,325
|
14,265
|
13,325
|
14,468
|
| Allowance for loans, individually evaluated for impairment |
1,268
|
|
1,268
|
|
448
|
| Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
5,257
|
|
5,257
|
|
6,514
|
| Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Term [Member] | Commercial and Industrial Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
21,677
|
13,916
|
21,284
|
14,359
|
14,359
|
| Loans, individually evaluated for impairment |
1,311
|
|
1,311
|
|
4,878
|
| Provision for credit losses |
(943)
|
7,478
|
(1,707)
|
6,805
|
|
| Charge-offs |
(82)
|
(67)
|
(342)
|
(90)
|
(748)
|
| Recoveries |
25
|
302
|
1,442
|
555
|
|
| Ending balance |
20,677
|
21,629
|
20,677
|
21,629
|
21,284
|
| Allowance for loans, individually evaluated for impairment |
715
|
|
715
|
|
516
|
| Term [Member] | Commercial and Industrial Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
869
|
|
869
|
|
740
|
| Term [Member] | Commercial and Industrial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
366
|
|
366
|
|
4,062
|
| Term [Member] | Commercial and Industrial Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
76
|
|
76
|
|
76
|
| Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
6,629
|
6,258
|
6,496
|
6,495
|
6,495
|
| Loans, individually evaluated for impairment |
971
|
|
971
|
|
549
|
| Provision for credit losses |
1,312
|
(433)
|
1,445
|
(874)
|
|
| Charge-offs |
0
|
0
|
0
|
0
|
(555)
|
| Recoveries |
0
|
0
|
0
|
204
|
|
| Ending balance |
7,941
|
5,825
|
7,941
|
5,825
|
6,496
|
| Allowance for loans, individually evaluated for impairment |
582
|
|
582
|
|
139
|
| Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
320
|
|
320
|
|
349
|
| Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
200
|
|
200
|
|
200
|
| Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
451
|
|
451
|
|
0
|
| Home Equity Line of Credit [Member] |
|
|
|
|
|
| Beginning balance |
1,280
|
1,666
|
1,277
|
1,660
|
1,660
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
70
|
| Provision for credit losses |
63
|
(519)
|
76
|
(515)
|
|
| Charge-offs |
0
|
0
|
(10)
|
0
|
|
| Recoveries |
0
|
0
|
0
|
2
|
|
| Ending balance |
1,343
|
1,147
|
1,343
|
1,147
|
1,277
|
| Allowance for loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Home Equity Line of Credit [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
70
|
| Home Equity Line of Credit [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Home Equity Line of Credit [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] |
|
|
|
|
|
| Beginning balance |
276
|
256
|
255
|
242
|
242
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Provision for credit losses |
4
|
38
|
82
|
62
|
|
| Charge-offs |
(53)
|
(70)
|
(144)
|
(85)
|
(225)
|
| Recoveries |
7
|
14
|
41
|
19
|
|
| Ending balance |
234
|
$ 238
|
234
|
$ 238
|
255
|
| Allowance for loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] | Real Estate [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
0
|
|
0
|
|
0
|
| Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] | Other Collateral [Member] |
|
|
|
|
|
| Loans, individually evaluated for impairment |
$ 0
|
|
$ 0
|
|
$ 0
|