Note 4 - Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		June 30,				December 31,
(Dollars in Thousands)		2025				2024

Real estate:
Commercial		$	416,202			$	398,126
Construction/Land development			31,032				27,357
Residential			115,726				111,898
Commercial			56,975				50,405
Consumer			544				176
Total Loans			620,479				587,962
Less: Allowance for credit losses			4,233				4,260
Deferred origination fees, net of costs			777				709
		$	615,469			$	582,993

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual				Nonaccrual				Loans Past
		With No				With				Due 90 Days
		Allowance				Allowance				or More and
(Dollars in thousands)		for Credit Losses				for Credit Losses				Still Accruing
June 30, 2025
Real estate:
Commercial		$	-			$	307			$	-
Construction and land development			-				-				-
Residential			270				-				-
Commercial			-				-				-
Consumer			-				-				-
		$	270			$	307			$	-

December 31, 2024
Real estate:
Commercial		$	-			$	2,440			$	-
Construction and land development			-				-				-
Residential			-				-				-
Commercial			-				-				-
Consumer			-				-				-
		$	-			$	2,440			$	-

Financing Receivable, Past Due [Table Text Block]

										90 Days																Past Due 90
(Dollars in thousands)		30 - 59 Days				60 - 89 Days				or More				Total								Total				Days or More
June 30, 2025		Past Due				Past Due				Past Due				Past Due				Current				Loans				and Accruing

Real estate:
Commercial		$	-			$	-			$	307			$	307			$	415,895			$	416,202			$	-
Construction and land development			-				-				-				-				31,032				31,032				-
Residential			-				-				270				270				115,456				115,726				-
Commercial			-				85				-				85				56,890				56,975				-
Consumer			-				-				-				-				544				544				-
Total		$	-			$	85			$	577			$	662			$	619,817			$	620,479			$	-

December 31, 2024
Real estate:
Commercial		$	-			$	-			$	404			$	404			$	397,722			$	398,126			$	-
Construction and land development			-				-				-				-				27,357				27,357				-
Residential			-				270				-				270				111,628				111,898				-
Commercial			-				-				-				-				50,405				50,405				-
Consumer			-				-				-				-				176				176				-
Total		$	-			$	270			$	404			$	674			$	587,288			$	587,962			$	-

Collateral Dependent Loans [Table Text Block]

		June 30,				December 31,
(Dollars in thousands)		2025				2024
Real estate:
Commercial		$	307			$	2,440
Residential			270				270
Commercial			-				-
		$	577			$	2,710

Financing Receivable, Modified [Table Text Block]

		June 30, 2025								December 31, 2024
						Total Class								Total Class
		Term				of Financing				Term				of Financing
(Dollars in thousands)		Extension				Receivable				Extension				Receivable

Commercial real estate		$	4,399				1.06	%		$	2,038				0.51	%

Total		$	4,399				0.71	%		$	2,038				0.35	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination
		As of and for the six months ended June, 2025
(dollars in thousands)																										Revolving
		2025				2024				2023				2022				2021				Prior				Loans				Total
Commercial Real Estate

Pass		$	41,962			$	58,016			$	28,079			$	66,035			$	55,064			$	158,652			$	-			$	407,808
Special Mention			400				2,694				-				-				-				-				-				3,094
Substandard			345				-				-				-				-				4,955				-				5,300
Doubtful			-				-				-				-				-				-				-				-
Total		$	42,707			$	60,710			$	28,079			$	66,035			$	55,064			$	163,607			$	-			$	416,202
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	356			$	-			$	356

Construction and Land Development

Pass		$	3,856			$	14,841			$	2,536			$	3,918			$	162			$	5,719			$	-			$	31,032
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	3,856			$	14,841			$	2,536			$	3,918			$	162			$	5,719			$	-			$	31,032
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Residential Real Estate

Pass		$	12,447			$	13,738			$	11,085			$	18,230			$	9,245			$	49,406			$	-			$	114,151
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				1,575				-				1,575
Doubtful			-				-				-				-				-				-				-				-
Total		$	12,447			$	13,738			$	11,085			$	18,230			$	9,245			$	50,981			$	-			$	115,726
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial

Pass		$	8,718			$	22,624			$	8,779			$	4,861			$	2,241			$	3,935			$	-			$	51,158
Special Mention			5,217				117				-				-				-				-				-				5,334
Substandard			483				-				-				-				-				-				-				483
Doubtful			-				-				-				-				-				-				-				-
Total		$	14,418			$	22,741			$	8,779			$	4,861			$	2,241			$	3,935			$	-			$	56,975
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Consumer

Pass		$	431			$	64			$	45			$	-			$	-			$	3			$	-			$	543
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				1				-				-				-				-				1
Doubtful			-				-				-				-				-				-				-				-
Total		$	431			$	64			$	46			$	-			$	-			$	3			$	-			$	544
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Aggregate total

Pass		$	67,414				109,283				50,524				93,044				66,712				217,715				-				604,692
Special Mention			5,617				2,811				-				-				-				-				-				8,428
Substandard			828				-				1				-				-				6,530				-				7,359
Doubtful			-				-				-				-				-				-				-				-
Total		$	73,859			$	112,094			$	50,525			$	93,044			$	66,712			$	224,245			$	-			$	620,479
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	356			$	-			$	356

		Term Loans Amortized Cost Basis by Origination
		As of and for the year ended December 31, 2024
(dollars in thousands)																										Revolving
		2024				2023				2022				2021				2020				Prior				Loans				Total
Commercial Real Estate

Pass		$	63,427			$	26,745			$	69,261			$	54,346			$	19,727			$	151,876			$	3,559			$	388,941
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				9,185				-				9,185
Doubtful			-				-				-				-				-				-				-				-
Total		$	63,427			$	26,745			$	69,261			$	54,346			$	19,727			$	161,061			$	3,559			$	398,126
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Construction and Land Development

Pass		$	14,710			$	3,365			$	1,568			$	1,443			$	930			$	5,341			$	-			$	27,357
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	14,710			$	3,365			$	1,568			$	1,443			$	930			$	5,341			$	-			$	27,357
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Residential Real Estate

Pass		$	12,385			$	10,592			$	18,474			$	9,363			$	7,084			$	44,409			$	7,985			$	110,292
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				1,582				24				1,606
Doubtful			-				-				-				-				-				-				-				-
Total		$	12,385			$	10,592			$	18,474			$	9,363			$	7,084			$	45,991			$	8,009			$	111,898
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	5			$	-			$	5

Commercial

Pass		$	9,928			$	5,017			$	5,675			$	2,632			$	472			$	467			$	21,040			$	45,231
Special Mention			4,674				-				-				-				-				-				-				4,674
Substandard			-				-				-				-				-				500				-				500
Doubtful			-				-				-				-				-				-				-				-
Total		$	14,602			$	5,017			$	5,675			$	2,632			$	472			$	967			$	21,040			$	50,405
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	152			$	-			$	152

Consumer

Pass		$	106			$	57			$	9			$	-			$	1			$	-			$	-			$	173
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				2				-				1				-				-				-				3
Doubtful			-				-				-				-				-				-				-				-
Total		$	106			$	59			$	9			$	1			$	1			$	-			$	-			$	176
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	5			$	-			$	5

Aggregate total

Pass		$	100,556				45,776				94,987				67,784				28,214				202,093				32,584				571,994
Special Mention			4,674				-				-				-				-				-				-				4,674
Substandard			-				2				-				1				-				11,267				24				11,294
Doubtful			-				-				-				-				-				-				-				-
Total		$	105,230			$	45,778			$	94,987			$	67,785			$	28,214			$	213,360			$	32,608			$	587,962
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	162			$	-			$	162

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

																						Allowance for credit losses ending								Outstanding loan balances
(Dollars in thousands)						Provision for																by evaluation method								evaluated:
Six months ended		Beginning				(recovery of)				Charge								Ending
June 30, 2025		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,481			$	821			$	(356	)		$	-			$	2,946			$	300			$	2,130			$	307			$	415,895
Construction and land development			478				(18	)			-				-				460				-				460				-				31,032
Residential			751				(547	)			-				15				219				-				735				270				115,456
Commercial			513				95				-				-				608				-				608				-				56,975
Consumer			4				(4	)			-				-				-				-				-				-				544
Unallocated			33				(33	)			-				-				-				-				-				-				-
		$	4,260			$	314			$	(356	)		$	15			$	4,233			$	300			$	3,933			$	577			$	619,632

																						Allowance for credit losses ending								Outstanding loan balances
(Dollars in thousands)						Provision for																by evaluation method								evaluated:
Six months ended		Beginning				(recovery of)				Charge								Ending
June 30, 2024		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,448			$	102			$	-			$	-			$	2,550			$	392			$	2,160			$	2,442			$	372,563
Construction and land development			253				(48	)			-				-				205				-				205				-				19,712
Residential			1,013				(157	)			-				12				868				-				868				273				110,657
Commercial			494				97				(153	)			-				438				-				437				-				44,918
Consumer			2				4				(3	)			-				3				-				3				-				168
Unallocated			74				(57	)			-				-				17				-				17				-				-
		$	4,284			$	(59	)		$	(156	)		$	12			$	4,081			$	392			$	3,690			$	2,715			$	548,018

																						Allowance for credit losses ending								Outstanding loan balances
						Provision for																balance evaluated for impairment:								evaluated:
(Dollars in thousands)		Beginning				(recovery of)				Charge								Ending
December 31, 2024		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,448			$	33			$	-			$	-			$	2,481			$	360			$	2,122			$	2,440			$	395,686
Construction and land development			253				225				-				-				478				-				478				-				27,357
Residential			1,013				(281	)			(5	)			24				751				-				751				270				111,629
Commercial			494				171				(152	)			-				513				-				512				-				50,405
Consumer			2				7				(5	)			-				4				-				4				-				176
Unallocated			74				(41	)			-				-				33				-				33				-				-
		$	4,284			$	114			$	(162	)		$	24			$	4,260			$	360			$	3,899			$	2,710			$	585,253

Amortizable Yield Premium on Purchased Loans [Table Text Block]

(Dollars in thousands)
Balance at December 31, 2024		$	286
Accretion			(82	)
Balance at June 30, 2025		$	204

		Three Months				Three Months				Six Moths				Six Months
		Ended				Ended				Ended				Ended
(dollars in thousands)		June 30, 2025				June 30, 2024				June 30, 2025				June 30, 2024


Beginning balance		$	227			$	204			$	240			$	228
Recovery of credit losses			(54	)			(8	)			(67	)			(32	)

Ending balance		$	173			$	196			$	173			$	196

Components of Allowance for Credit Losses [Table Text Block]

		Three Months Ended June 30, 2025
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	63			$	4,304			$	227			$	4,594
Provision for (recovery of) credit losses			18				274				(54	)			238
Charge-offs			-				(356	)			-				(356	)
Recoveries			-				11				-				11
Ending balance		$	81			$	4,233			$	173			$	4,487

		Three Months Ended June 30, 2024
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	32			$	4,318			$	204			$	4,554
Provision for (recovery of) credit losses			95				(87	)			(8	)			-
Charge-offs			-				(155	)			-				(155	)
Recoveries			-				5				-				6
Ending balance		$	127			$	4,081			$	196			$	4,405

		Six Months Ended June 30, 2025
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	60			$	4,260			$	240			$	4,560
Provision for (recovery of) credit losses			21				314				(67	)			268
Charge-offs			-				(356	)			-				(356	)
Recoveries			-				15				-				15
Ending balance		$	81			$	4,233			$	173			$	4,487

		Six Months Ended June 30, 2024
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	36			$	4,284			$	228			$	4,549
Provision for (recovery of) credit losses			91				(59	)			(32	)			-
Charge-offs			-				(156	)			-				(156	)
Recoveries			-				12				-				12
Ending balance		$	127			$	4,081			$	196			$	4,405