Loan and Allowance for Credit Losses (Tables) |
6 Months Ended |
|---|---|
Jun. 30, 2025 | |
| Loans And Leases Receivable Disclosure [Abstract] | |
| Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | June 30, December 31, (Dollars in thousands) 2025 2024 Commercial and industrial $ 59,773 $ 63,274 Construction and land development 93,820 82,493 Commercial real estate: Owner occupied 61,839 55,346 Hotel/motel 34,064 35,210 Multi-family 42,807 43,556 Other 144,158 155,880 Total commercial 282,868 289,992 Residential real estate: Consumer mortgage 59,212 60,399 Investment property 57,947 58,228 Total residential real 117,159 118,627 Consumer installment 9,094 9,631 Total Loans $ 562,714 $ 564,017 |
| Past Due Financing Receivables [Table Text Block] | Accruing Accruing Total 30-89 Days Greater than Accruing Non- Total (Dollars in thousands) Current Past Due 90 days Loans Accrual Loans June 30, 2025: Commercial and industrial $ 59,742 31 — 59,773 — $ 59,773 Construction and land development 93,820 — — 93,820 — 93,820 Commercial real estate: Owner occupied 61,332 507 — 61,839 — 61,839 Hotel/motel 34,064 — — 34,064 — 34,064 Multi-family 42,807 — — 42,807 — 42,807 Other 144,039 — — 144,039 119 144,158 Total commercial 282,242 507 — 282,749 119 282,868 Residential real estate: Consumer mortgage 59,144 — — 59,144 68 59,212 Investment property 57,691 141 — 57,832 115 57,947 Total residential real 116,835 141 — 116,976 183 117,159 Consumer installment 9,064 30 — 9,094 — 9,094 Total $ 561,703 709 — 562,412 302 $ 562,714 December 31, 2024: Commercial and industrial $ 63,163 12 — 63,175 99 $ 63,274 Construction and land development 82,089 — — 82,089 404 82,493 Commercial real estate: Owner occupied 55,346 — — 55,346 — 55,346 Hotel/motel 35,210 — — 35,210 — 35,210 Multi-family 43,556 — — 43,556 — 43,556 Other 155,880 — — 155,880 — 155,880 Total commercial 289,992 — — 289,992 — 289,992 Residential real estate: Consumer mortgage 59,677 722 — 60,399 — 60,399 Investment property 58,179 49 — 58,228 — 58,228 Total residential real 117,856 771 — 118,627 — 118,627 Consumer installment 9,579 52 — 9,631 — 9,631 Total $ 562,679 835 — 563,514 503 $ 564,017 |
| Financing Receivable Credit Quality Indicators [Table Text Block] | Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) June 30, 2025: Commercial and industrial Pass $ 6,684 5,588 6,228 8,078 11,712 17,451 3,689 $ 59,430 Special mention 114 — 2 — — — — 116 Substandard 50 — 16 157 4 — — 227 Nonaccrual — — — — — — — — Total commercial and industrial 6,848 5,588 6,246 8,235 11,716 17,451 3,689 59,773 Current period gross charge-offs — — 99 4 — — — 103 Construction and land development Pass 12,638 42,484 19,949 16,723 810 918 298 93,820 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 12,638 42,484 19,949 16,723 810 918 298 93,820 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 9,235 1,416 11,130 6,498 16,023 13,836 2,566 60,704 Special mention 628 — — — — — — 628 Substandard — 507 — — — — — 507 Nonaccrual — — — — — — — — Total owner occupied 9,863 1,923 11,130 6,498 16,023 13,836 2,566 61,839 Current period gross charge-offs — — — — — — — — Hotel/motel Pass — 447 6,313 9,208 3,014 14,827 255 34,064 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel — 447 6,313 9,208 3,014 14,827 255 34,064 Current period gross charge-offs — — — — — — — — Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) June 30, 2025: Multi-family Pass 101 3,587 8,391 16,797 1,814 8,304 3,813 42,807 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 101 3,587 8,391 16,797 1,814 8,304 3,813 42,807 Current period gross charge-offs — — — — — — — — Other Pass 3,065 35,012 17,638 23,751 22,435 30,208 11,930 144,039 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — 119 — 119 Total other 3,065 35,012 17,638 23,751 22,435 30,327 11,930 144,158 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 2,154 5,238 16,673 17,786 2,595 12,068 1,365 57,879 Special mention — — — — — 206 — 206 Substandard 245 — — — — 814 — 1,059 Nonaccrual — — 68 — — — — 68 Total consumer mortgage 2,399 5,238 16,741 17,786 2,595 13,088 1,365 59,212 Current period gross charge-offs — — 4 — — 1 — 5 Investment property Pass 3,738 8,693 10,004 10,314 7,458 14,677 2,471 57,355 Special mention — — — — — — — — Substandard 379 — — 92 6 — — 477 Nonaccrual — — 38 — — 77 — 115 Total investment property 4,117 8,693 10,042 10,406 7,464 14,754 2,471 57,947 Current period gross charge-offs — — 2 — — — — 2 Consumer installment Pass 3,112 2,794 1,368 1,133 180 91 328 9,006 Special mention — 10 12 — — — — 22 Substandard 8 36 13 9 — — — 66 Nonaccrual — — — — — — — — Total consumer installment 3,120 2,840 1,393 1,142 180 91 328 9,094 Current period gross charge-offs — 9 — — — — — 9 Total loans Pass 40,727 105,259 97,694 110,288 66,041 112,380 26,715 559,104 Special mention 742 10 14 — — 206 — 972 Substandard 682 543 29 258 10 814 — 2,336 Nonaccrual — — 106 — — 196 — 302 Total loans $ 42,151 105,812 97,843 110,546 66,051 113,596 26,715 $ 562,714 Total current period gross charge-offs $ — 9 105 4 — 1 — 119 Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Commercial and industrial Pass $ 11,290 7,265 8,488 9,677 4,659 16,989 4,425 $ 62,793 Special mention 49 74 — — — — — 123 Substandard 50 21 181 7 — — — 259 Nonaccrual — 99 — — — — — 99 Total commercial and industrial 11,389 7,459 8,669 9,684 4,659 16,989 4,425 63,274 Current period gross charge-offs — — 9 — — — — 9 Construction and land development Pass 31,144 29,520 16,504 1,794 1,434 104 1,589 $ 82,089 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual 404 — — — — — — 404 Total construction and land development 31,548 29,520 16,504 1,794 1,434 104 1,589 82,493 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 1,921 11,206 6,776 17,114 3,396 12,030 1,552 $ 53,995 Special mention — 249 — — 591 — — 840 Substandard 511 — — — — — — 511 Nonaccrual — — — — — — — — Total owner occupied 2,432 11,455 6,776 17,114 3,987 12,030 1,552 55,346 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Multi-family Pass 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Current period gross charge-offs — — — — — — — — Other Pass 43,753 21,085 32,521 21,249 16,743 16,289 4,120 155,760 Special mention — — — — — — — — Substandard — — — — 120 — — 120 Nonaccrual — — — — — — — — Total other 43,753 21,085 32,521 21,249 16,863 16,289 4,120 155,880 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 5,885 18,389 18,434 2,466 2,565 10,590 808 59,137 Special mention 243 — — — 2 486 — 731 Substandard — — — — — 531 — 531 Nonaccrual — — — — — — — — Total consumer mortgage 6,128 18,389 18,434 2,466 2,567 11,607 808 60,399 Current period gross charge-offs — — — — — 61 — 61 Investment property Pass 10,339 10,824 10,651 8,305 11,435 4,794 1,317 57,665 Special mention — — — — — — — — Substandard 278 40 93 9 143 — — 563 Nonaccrual — — — — — — — — Total investment property 10,617 10,864 10,744 8,314 11,578 4,794 1,317 58,228 Current period gross charge-offs — — — — — — — — Consumer installment Pass 5,015 2,057 1,911 296 90 113 67 9,549 Special mention — 9 — 9 — — — 18 Substandard 39 15 10 — — — — 64 Nonaccrual — — — — — — — — Total consumer installment 5,054 2,081 1,921 305 90 113 67 9,631 Current period gross charge-offs 25 42 42 1 — 4 — 114 Total loans Pass 113,566 112,867 117,625 65,843 45,114 81,746 22,993 559,754 Special mention 292 332 — 9 593 486 — 1,712 Substandard 878 76 284 16 263 531 — 2,048 Nonaccrual 404 99 — — — — — 503 Total loans $ 115,140 113,374 117,909 65,868 45,970 82,763 22,993 $ 564,017 Total current period gross charge-offs $ 25 42 51 1 — 65 — 184 |
| Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended June 30, Six months ended June 30, (Dollars in thousands) 2025 2024 2025 2024 Provision for credit losses: Loans $ 166 $ (64) $ 110 $ 221 Reserve for unfunded commitments (53) (59) (7) (10) Total provision for credit $ 113 $ (123) $ 103 $ 211 |
| Allowance for Credit Losses on Financing Receivables [Table Text Block] | (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended June 30, 2025: Beginning balance $ 1,219 1,401 3,153 861 116 $ 6,750 Charge-offs (3) — — (6) (9) (18) Recoveries 1 — — 61 5 67 Net (charge-offs) recoveries (2) — — 55 (4) 49 Provision for credit losses (5) 212 (2) (50) 11 166 Ending balance $ 1,212 1,613 3,151 866 123 $ 6,965 Six months ended June 30, 2025: Beginning balance $ 1,244 1,059 3,842 588 138 $ 6,871 Charge-offs (103) — — (7) (9) (119) Recoveries 30 — — 63 10 103 Net (charge-offs) recoveries (73) — — 56 1 (16) Provision for credit losses 41 554 (691) 222 (16) 110 Ending balance $ 1,212 1,613 3,151 866 123 $ 6,965 Quarter ended June 30, 2024: Beginning balance $ 1,415 840 4,202 613 145 $ 7,215 Charge-offs (9) — — — (19) (28) Recoveries 8 — — 2 9 19 Net (charge-offs) (1) — — 2 (10) (9) Provision for credit losses (48) 102 (111) (12) 5 (64) Ending balance $ 1,366 942 4,091 603 140 $ 7,142 Six months ended June 30, 2024: Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs (9) — — — (43) (52) Recoveries 74 — — 5 31 110 Net recoveries (charge-offs) 65 — — 5 (12) 58 Provision for credit losses 13 (18) 170 52 4 221 Ending balance $ 1,366 942 4,091 603 140 $ 7,142 |
| Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | Nonaccrual Loans Nonaccrual Loans Total (Dollars in thousands) With No Allowance With An Allowance Nonaccrual Loans June 30, 2025 Commercial real estate $ — 119 $ 119 Residential real estate — 183 183 Total $ — 302 $ 302 December 31, 2024 Commercial and industrial $ — 99 $ 99 Construction and land development 404 — 404 Total $ 404 99 $ 503 |
| Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | Business (Dollars in thousands) Real Estate Assets Total Loans December 31, 2024: Commercial and industrial $ — 99 $ 99 Construction and land development 404 — 404 Total $ 404 99 $ 503 |