Note 6 - Loans and Allowance for Credit Losses for Loans (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

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

		At				At
		June 30,				December 31,
(In thousands)		2025				2024
Commercial real estate		$	580,750			$	559,325
Construction and land development			37,362				28,097
Residential real estate			4,936				6,008
Mortgage warehouse			284,154				259,181
Commercial			160,596				163,927
Enterprise value			246,382				309,786
Consumer			85				271
Total loans			1,314,265				1,326,595
Allowance for credit losses for loans			(20,796	)			(21,087	)
Net loans		$	1,293,469			$	1,305,508

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

(In thousands)		Commercial real estate				Construction and land development				Residential real estate				Mortgage warehouse				Commercial				Enterprise value				Digital asset				Consumer				Total
Balance at March 31, 2025		$	4,041			$	121			$	113			$	76			$	2,215			$	14,591			$	—			$	3			$	21,160
Charge-offs			—				—				—				—				—				—				—				(14	)			(14	)
Recoveries			—				—				14				—				20				—				—				—				34
Provision (credit)			(8	)			21				(18	)			2				(97	)			(296	)			—				12				(384	)
Balance at June 30, 2025		$	4,033			$	142			$	109			$	78			$	2,138			$	14,295			$	—			$	1			$	20,796

Balance at March 31, 2024		$	4,521			$	389			$	72			$	54			$	2,278			$	6,567			$	2,124			$	1			$	16,006
Charge-offs			—				—				—				—				—				—				(2,124	)			(11	)			(2,135	)
Recoveries			—				—				2				—				—				—				—				1				3
Provision (credit)			322				(117	)			(5	)			11				(302	)			6,548				—				10				6,467
Balance at June 30, 2024		$	4,843			$	272			$	69			$	65			$	1,976			$	13,115			$	—			$	1			$	20,341

(In thousands)		Commercial real estate				Construction and land development				Residential real estate				Mortgage warehouse				Commercial				Enterprise value				Digital asset				Consumer				Total
Balance at December 31, 2024		$	3,715			$	104			$	120			$	71			$	2,198			$	14,875			$	—			$	4			$	21,087
Charge-offs			—				—				—				—				—				—				—				(22	)			(22	)
Recoveries			—				—				14				—				31				—				—				—				45
Provision (credit)			318				38				(25	)			7				(91	)			(580	)			—				19				(314	)
Balance at June 30, 2025		$	4,033			$	142			$	109			$	78			$	2,138			$	14,295			$	—			$	1			$	20,796

Balance at December 31, 2023		$	4,471			$	407			$	75			$	42			$	2,493			$	8,166			$	5,915			$	2			$	21,571
Charge-offs			—				—				—				—				(5	)			—				(2,124	)			(29	)			(2,158	)
Recoveries			—				—				2				—				—				—				—				2				4
(Credit) provision			372				(135	)			(8	)			23				(512	)			4,949				(3,791	)			26				924
Balance at June 30, 2024		$	4,843			$	272			$	69			$	65			$	1,976			$	13,115			$	—			$	1			$	20,341

Financing Receivable, Past Due [Table Text Block]

										90 Days				Total
		30 - 59				60 - 89				or More				Past				Total				Total
(In thousands)		Days				Days				Past Due				Due				Current				Loans
June 30, 2025
Commercial real estate		$	—			$	—			$	—			$	—			$	580,750			$	580,750
Construction and land development			—				—				—				—				37,362				37,362
Residential real estate			237				—				207				444				4,492				4,936
Mortgage warehouse			—				—				—				—				284,154				284,154
Commercial			18				—				1,536				1,554				159,042				160,596
Enterprise value			—				—				5,316				5,316				241,066				246,382
Consumer			—				—				—				—				85				85
Total		$	255			$	—			$	7,059			$	7,314			$	1,306,951			$	1,314,265

December 31, 2024
Commercial real estate		$	—			$	—			$	—			$	—			$	559,325			$	559,325
Construction and land development			—				—				—				—				28,097				28,097
Residential real estate			285				69				241				595				5,413				6,008
Mortgage warehouse			—				—				—				—				259,181				259,181
Commercial			50				—				1,543				1,593				162,334				163,927
Enterprise value			—				—				—				—				309,786				309,786
Consumer			—				—				1				1				270				271
Total		$	335			$	69			$	1,785			$	2,189			$	1,324,406			$	1,326,595

Financing Receivable, Nonaccrual [Table Text Block]

		Non-accrual								90 Days
		With No								or More
		Allowance				Non-accrual				Past Due
(In thousands)		for Credit Loss				Loans				and Accruing
June 30, 2025
Commercial real estate		$	54			$	54			$	—
Residential real estate			—				420				—
Commercial			1,536				1,536				—
Enterprise value			14,850				32,430				—
Total		$	16,440			$	34,440			$	—

December 31, 2024
Commercial real estate		$	57			$	57			$	—
Residential real estate			—				366				—
Commercial			1,543				1,543				—
Enterprise value			1,338				18,920				—
Consumer			—				1				—
Total		$	2,938			$	20,887			$	—

Schedule of Collateral Dependent Loans [Table Text Block]

		Commercial								Business
		Real				Business				Enterprise
(In thousands)		Estate				Assets				Value
June 30, 2025
Commercial real estate		$	54			$	—			$	—
Commercial			—				1,536				—
Enterprise value			—				—				36,014
Total		$	54			$	1,536			$	36,014

December 31, 2024
Commercial real estate		$	19,690			$	—			$	—
Commercial			—				1,543				—
Enterprise value			—				—				22,567
Total		$	19,690			$	1,543			$	22,567

Financing Receivable, Modified [Table Text Block]

(Dollars in thousands)		Other-Than-Insignificant Payment Delay				Term Extension				Combination Term Extension and Other-Than-Insignificant Payment Delay				Total Class of Financing Receivable $				Total Class of Financing Receivable %
June 30, 2025
Commercial		$	—			$	42			$	—			$	42				0.03	%
Enterprise value			22,294				—				—				22,294				9.05
Total		$	22,294			$	42			$	—			$	22,336				1.70	%

June 30, 2024
Commercial real estate		$	1,467			$	—			$	18,228			$	19,695				3.86	%
Enterprise value			21,600				960				—				22,560				5.72
Total		$	23,067			$	960			$	18,228			$	42,255				3.08	%

		Weighted-Average Other-Than-Insignificant Payment Delay				Weighted-Average Term Extension				Weighted-Average Term Extension and Other-Than-Insignificant Payment Delay
		Months				Months				Months				Months
June 30, 2025
Commercial			—				3.00				—				—
Enterprise value			5.53				—				—				—

June 30, 2024
Commercial real estate			3.00				—				3.00				3.00
Enterprise value			4.00				3.00				—				—

(Dollars in thousands)		Other-Than-Insignificant Payment Delay				Term Extension				Combination Term Extension and Other-Than-Insignificant Payment Delay				Total Class of Financing Receivable $				Total Class of Financing Receivable %
June 30, 2025
Commercial		$	—			$	42			$	—			$	42				0.03	%
Enterprise value			27,239				—				—				27,239				11.06
Total		$	27,239			$	42			$	—			$	27,281				2.08	%

June 30, 2024
Commercial real estate		$	1,783			$	—			$	18,228			$	20,011				3.92	%
Commercial			1,575				—				—				1,575				1.09
Enterprise value			21,600				960				—				22,560				5.72
Total		$	24,958			$	960			$	18,228			$	44,146				3.22	%

		Weighted-Average Other-Than-Insignificant Payment Delay				Weighted-Average Term Extension				Weighted-Average Term Extension and Other-Than-Insignificant Payment Delay
		Months				Months				Months				Months
June 30, 2025
Commercial			—				3.00				—				—
Enterprise value			5.52				—				—				—

June 30, 2024
Commercial real estate			7.94				—				9.00				9.00
Commercial			3.00				—				—				—
Enterprise value			4.00				3.00				—				—

						30 - 59				60 - 89				90
(In thousands)		Current				Days Past Due				Days Past Due				Days or More Past Due				Total Past Due
June 30, 2025
Commercial real estate		$	19,440			$	—			$	—			$	—			$	—
Commercial			42				—				—				—				—
Enterprise value			29,839				—				—				1,280				1,280
Total		$	49,321			$	—			$	—			$	1,280			$	1,280

June 30, 2024
Commercial real estate		$	20,011			$	—			$	—			$	—			$	—
Commercial			1,575				—				—				—				—
Enterprise value			22,560				—				—				—				—
Total		$	44,146			$	—			$	—			$	—			$	—

(Dollars in thousands)		Other-Than-Insignificant Payment Delay				Total Class of Financing Receivable
June 30, 2025
Enterprise value		$	1,280			$	1,280
Total		$	1,280			$	1,280

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans at Amortized Cost by Origination Year
(In thousands)		2025				2024				2023				2022				2021				Prior				Revolving Loans Amortized Cost				Revolving Loans Converted to Term Loans				Total
Commercial real estate
Pass		$	36,691			$	87,444			$	30,268			$	73,561			$	122,393			$	200,051			$	21,307			$	135			$	571,850
Special mention			—				—				—				—				—				5,078				—				—				5,078
Substandard			—				—				—				—				—				3,822				—				—				3,822
Total commercial real estate			36,691				87,444				30,268				73,561				122,393				208,951				21,307				135				580,750
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Construction and land development
Pass			3,712				12,089				5,016				9,942				115				1,306				5,182				—				37,362
Total construction and land development			3,712				12,089				5,016				9,942				115				1,306				5,182				—				37,362
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Residential real estate
Pass			—				—				—				—				—				2,975				1,432				206				4,613
Substandard			—				—				—				—				—				260				63				—				323
Total residential real estate			—				—				—				—				—				3,235				1,495				206				4,936
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Mortgage warehouse
Pass			—				—				—				—				—				—				284,154				—				284,154
Total mortgage warehouse			—				—				—				—				—				—				284,154				—				284,154
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Commercial
Pass			3,765				12,651				10,925				19,247				41,187				34,287				27,887				994				150,943
Special mention			—				—				—				617				—				826				5,331				—				6,774
Substandard			—				—				—				—				—				2,654				225				—				2,879
Total commercial			3,765				12,651				10,925				19,864				41,187				37,767				33,443				994				160,596
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Enterprise Value
Pass			3,698				29,301				44,111				45,441				48,222				21,952				6,329				—				199,054
Special mention			—				—				—				2,405				5,139				3,497				272				—				11,313
Substandard			9,510				—				2,429				13,661				4,841				4,149				1,425				—				36,015
Total enterprise value			13,208				29,301				46,540				61,507				58,202				29,598				8,026				—				246,382
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Consumer
Not formally rated			—				—				—				—				—				39				45				1				85
Total consumer			—				—				—				—				—				39				45				1				85
Current period gross write-offs			20				—				—				—				—				2				—				—				22

Total loans		$	57,376			$	141,485			$	92,749			$	164,874			$	221,897			$	280,896			$	353,652			$	1,336			$	1,314,265

Total current period gross write-offs		$	20			$	—			$	—			$	—			$	—			$	2			$	—			$	—			$	22

		Term Loans at Amortized Cost by Origination Year
(In thousands)		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost				Revolving Loans Converted to Term Loans				Total
Commercial real estate
Pass		$	88,884			$	34,606			$	74,412			$	118,094			$	23,848			$	167,174			$	18,916			$	569			$	526,503
Special mention			—				—				—				—				1,045				27,872				—				—				28,917
Substandard			—				—				—				—				—				3,905				—				—				3,905
Total commercial real estate			88,884				34,606				74,412				118,094				24,893				198,951				18,916				569				559,325
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Construction and land development
Pass			9,072				5,220				9,941				42				—				1,315				2,507				—				28,097
Total construction and land development			9,072				5,220				9,941				42				—				1,315				2,507				—				28,097
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Residential real estate
Pass			—				—				—				—				4				3,452				1,842				376				5,674
Substandard			—				—				—				—				—				269				65				—				334
Total residential real estate			—				—				—				—				4				3,721				1,907				376				6,008
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Mortgage warehouse
Pass			—				—				—				—				—				—				259,181				—				259,181
Total mortgage warehouse			—				—				—				—				—				—				259,181				—				259,181
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Commercial
Pass			8,319				5,092				20,697				51,004				7,922				33,221				28,325				154				154,734
Special mention			—				—				869				24				—				993				4,209				—				6,095
Substandard			—				—				—				—				—				2,873				225				—				3,098
Total commercial			8,319				5,092				21,566				51,028				7,922				37,087				32,759				154				163,927
Current period gross write-offs			—				—				—				96				—				5				—				—				101
Enterprise Value
Pass			31,684				55,609				60,965				69,599				30,421				6,949				7,621				—				262,848
Special mention			—				—				2,591				5,528				1,862				2,224				705				—				12,910
Substandard			—				—				13,199				5,308				4,954				1,123				8,522				922				34,028
Total enterprise value			31,684				55,609				76,755				80,435				37,237				10,296				16,848				922				309,786
Current period gross write-offs			—				—				—				—				—				—				—				—				—
Digital asset
Current period gross write-offs			—				—				2,124				—				—				—				—				—				2,124
Consumer
Not formally rated			—				—				—				—				—				225				46				—				271
Total consumer			—				—				—				—				—				225				46				—				271
Current period gross write-offs			43				—				—				—				—				7				—				—				50

Total loans		$	137,959			$	100,527			$	182,674			$	249,599			$	70,056			$	251,595			$	332,164			$	2,021			$	1,326,595

Total current period gross write-offs		$	43			$	—			$	2,124			$	96			$	—			$	12			$	—			$	—			$	2,275