Note 4 - Loans, Allowance for Credit Losses and Other Real Estate Owned (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

Schedule of Loans Receivable [Table Text Block]

		At June 30,				At December 31,
		2025				2024
		(In thousands)

Commercial		$	111,160			$	127,276
Commercial real estate			486,463				507,900
Construction			-				5,064
Residential real estate			7,709				8,274
Consumer installment & other			142,932				171,786
Total		$	748,264			$	820,300

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

		Allowance for Credit Losses
		For the Three Months Ended June 30, 2025
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,411			$	6,165			$	247			$	26			$	3,065			$	13,914
Provision (reversal)			1,157				(5	)			(247	)			(2	)			(903	)			-
Chargeoffs			(28	)			-				-				-				(924	)			(952	)
Recoveries			9				14				-				-				802				825
Total allowance for credit losses		$	5,549			$	6,174			$	-			$	24			$	2,040			$	13,787

		Allowance for Credit Losses
		For the Six Months Ended June 30, 2025
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,197			$	6,034			$	247			$	22			$	4,280			$	14,780
Provision (reversal)			1,116				304				(247	)			2				(1,725	)			(550	)
Chargeoffs			(38	)			(191	)			-				-				(2,449	)			(2,678	)
Recoveries			274				27				-				-				1,934				2,235
Total allowance for credit losses		$	5,549			$	6,174			$	-			$	24			$	2,040			$	13,787

		Allowance for Credit Losses
		For the Three Months Ended June 30, 2024
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	3,765			$	5,758			$	242			$	22			$	6,092			$	15,879
Provision (reversal)			148				32				1				2				(183	)			-
Chargeoffs			(28	)			-				-				-				(1,513	)			(1,541	)
Recoveries			11				132				-				-				1,471				1,614
Total allowance for credit losses		$	3,896			$	5,922			$	243			$	24			$	5,867			$	15,952

		Allowance for Credit Losses
		For the Six Months Ended June 30, 2024
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,216			$	5,925			$	245			$	26			$	6,455			$	16,867
(Reversal) provision			(315	)			(180	)			(2	)			(2	)			799				300
Chargeoffs			(28	)			-				-				-				(3,516	)			(3,544	)
Recoveries			23				177				-				-				2,129				2,329
Total allowance for credit losses		$	3,896			$	5,922			$	243			$	24			$	5,867			$	15,952

Financing Receivable Credit Quality Indicators [Table Text Block]

		Credit Risk Profile by Internally Assigned Grade
		At June 30, 2025
																		Consumer
						Commercial								Residential				Installment and
		Commercial				Real Estate				Construction				Real Estate				Other				Total
		(In thousands)
Grade:
Pass		$	106,338			$	475,528			$	-			$	7,501			$	140,831			$	730,198
Substandard			1,187				10,935				-				208				1,721				14,051
Doubtful			3,635				-				-				-				59				3,694
Loss			-				-				-				-				321				321
Total		$	111,160			$	486,463			$	-			$	7,709			$	142,932			$	748,264

		Credit Risk Profile by Internally Assigned Grade
		At December 31, 2024
																		Consumer
						Commercial								Residential				Installment and
		Commercial				Real Estate				Construction				Real Estate				Other				Total
		(In thousands)
Grade:
Pass		$	122,958			$	489,522			$	-			$	7,984			$	169,251			$	789,715
Substandard			4,318				18,378				5,064				290				1,817				29,867
Doubtful			-				-				-				-				192				192
Loss			-				-				-				-				526				526
Total		$	127,276			$	507,900			$	5,064			$	8,274			$	171,786			$	820,300

Financing Receivable, Past Due [Table Text Block]

		Summary of Loans by Delinquency and Nonaccrual Status
		At June 30, 2025
						30-59 Days				60-89 Days				Past Due 90
		Current and				Past Due and				Past Due and				Days or More
		Accruing				Accruing				Accruing				and Accruing				Nonaccrual				Total Loans
		(In thousands)
Commercial		$	107,035			$	440			$	50			$	-			$	3,635			$	111,160
Commercial real estate			484,829				716				-				-				918				486,463
Construction			-				-				-				-				-				-
Residential real estate			7,709				-				-				-				-				7,709
Consumer installment and other			139,441				2,603				477				411				-				142,932
Total		$	739,014			$	3,759			$	527			$	411			$	4,553			$	748,264

		Summary of Loans by Delinquency and Nonaccrual Status
		At December 31, 2024
						30-59 Days				60-89 Days				Past Due 90
		Current and				Past Due and				Past Due and				Days or More
		Accruing				Accruing				Accruing				and Accruing				Nonaccrual				Total Loans
		(In thousands)
Commercial		$	126,538			$	700			$	28			$	-			$	10			$	127,276
Commercial real estate			506,588				1,121				-				-				191				507,900
Construction			5,064				-				-				-				-				5,064
Residential real estate			8,274				-				-				-				-				8,274
Consumer installment and other			166,875				3,493				884				534				-				171,786
Total		$	813,339			$	5,314			$	912			$	534			$	201			$	820,300

Financing Receivable, Loans by Risk Category [Table Text Block]

		At June 30, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Commercial loans by grade:
Pass		$	23,468			$	5,809			$	10,364			$	7,945			$	17,765			$	21,724			$	87,075			$	19,263			$	106,338
Substandard			240				-				-				-				-				647				887				300				1,187
Doubtful			-				2,835				-				-				-				-				2,835				800				3,635
Loss			-				-				-				-				-				-				-				-				-
Total		$	23,708			$	8,644			$	10,364			$	7,945			$	17,765			$	22,371			$	90,797			$	20,363			$	111,160

Current gross chargeoffs on commercial loans:
For the three months ended June 30, 2025
		$	-			$	-			$	-			$	5			$	-			$	-			$	5			$	23			$	28
For the six months ended June 30, 2025
			-				-				-				5				-				-				5				33				38

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Commercial loans by grade:
Pass		$	18,752			$	8,542			$	18,539			$	12,388			$	14,776			$	19,399			$	92,396			$	30,562			$	122,958
Substandard			266				-				2,835				-				-				-				3,101				1,217				4,318
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	19,018			$	8,542			$	21,374			$	12,388			$	14,776			$	19,399			$	95,497			$	31,779			$	127,276

Current gross chargeoffs on commercial loans:
For the year ended December 31, 2024
		$	59			$	-			$	-			$	-			$	-			$	-			$	59			$	224			$	283

		At June 30, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Commercial real estate loans by grade:
Pass		$	240,659			$	57,699			$	47,326			$	41,627			$	70,283			$	17,934			$	475,528			$	-			$	475,528
Substandard			10,017				-				918				-				-				-				10,935				-				10,935
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	250,676			$	57,699			$	48,244			$	41,627			$	70,283			$	17,934			$	486,463			$	-			$	486,463

Current gross chargeoffs on commercial real estate loans:
For the three months ended June 30, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the six months ended June 30, 2025
			191				-				-				-				-				-				191				-				191

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Commercial real estate loans by grade:
Pass		$	197,160			$	65,384			$	63,697			$	49,117			$	43,091			$	71,073			$	489,522			$	-			$	489,522
Substandard			17,409				969				-				-				-				-				18,378				-				18,378
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	214,569			$	66,353			$	63,697			$	49,117			$	43,091			$	71,073			$	507,900			$	-			$	507,900

Current gross chargeoffs on commercial real estate loans:
For the year ended December 31, 2024
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At June 30, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Residential real estate loans by grade:
Pass		$	7,501			$	-			$	-			$	-			$	-			$	-			$	7,501			$	-			$	7,501
Substandard			208				-				-				-				-				-				208				-				208
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	7,709			$	-			$	-			$	-			$	-			$	-			$	7,709			$	-			$	7,709

Current gross chargeoffs on residential real estate loans:
For the three months ended June 30, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the six months ended June 30, 2025
			-				-				-				-				-				-				-				-				-

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Residential real estate loans by grade:
Pass		$	7,984			$	-			$	-			$	-			$	-			$	-			$	7,984			$	-			$	7,984
Substandard			290				-				-				-				-				-				290				-				290
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	8,274			$	-			$	-			$	-			$	-			$	-			$	8,274			$	-			$	8,274

Current gross chargeoffs on residential real estate loans:
For the year ended December 31, 2024
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At June 30, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Construction loans by grade:
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Current gross chargeoffs on construction loans:
For the three months ended June 30, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the six months ended June 30, 2025
			-				-				-				-				-				-				-				-				-

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Construction loans by grade:
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				-				-				-				-				-				5,064				5,064
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	5,064			$	5,064

Current gross chargeoffs on construction loans:
For the year ended December 31, 2024
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At June 30, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current		$	11,121			$	24,912			$	38,896			$	22,083			$	20,514			$	7,667			$	125,193			$	14,248			$	139,441
30-59 days past due			270				701				903				327				224				63				2,488				115				2,603
60-89 days past due			56				101				119				65				84				-				425				52				477
Past due 90 days or more			31				16				132				34				83				5				301				110				411
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	11,478			$	25,730			$	40,050			$	22,509			$	20,905			$	7,735			$	128,407			$	14,525			$	142,932

Current gross chargeoffs on consumer installment and other loans:
For the three months ended June 30, 2025
		$	75			$	127			$	349			$	99			$	248			$	-			$	898			$	26			$	924
For the six months ended June 30, 2025
			130				527				894				366				451				-				2,368				81				2,449

		At December 31, 2024
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2020				2021				2022				2023				2024				Term Loans				Cost Basis				Total
		(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current		$	6,068			$	12,464			$	32,608			$	48,694			$	26,805			$	24,522			$	151,161			$	15,714			$	166,875
30-59 days past due			173				201				949				1,392				385				263				3,363				130				3,493
60-89 days past due			33				36				184				256				91				120				720				164				884
Past due 90 days or more			-				38				129				200				149				-				516				18				534
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	6,274			$	12,739			$	33,870			$	50,542			$	27,430			$	24,905			$	155,760			$	16,026			$	171,786

Current gross chargeoffs on consumer installment and other loans:
For the year ended December 31, 2024
		$	246			$	388			$	2,376			$	1,843			$	913			$	162			$	5,928			$	463			$	6,391