Note 5 - Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Notes Tables

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

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

Real estate:
Commercial		$	432,726			$	398,126
Construction/Land development			36,352				27,357
Residential			118,924				111,898
Commercial			49,869				50,405
Consumer			469				176
Total Loans			638,340				587,962
Less: Allowance for credit losses			4,361				4,260
Deferred origination fees, net of costs			835				709
		$	633,144			$	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 Loss				for Credit Loss				Still Accruing
December 31, 2025
Real estate:
Commercial		$	-			$	-			$	-
Construction and land development			-				-				-
Residential			-				-				-
Commercial			-				-				-
Consumer			-				-				-
		$	-			$	-			$	-

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
December 31, 2025		Past Due				Past Due				Past Due				Past Due				Current				Loans				and Accruing

Real estate:
Commercial		$	-			$	-			$	-			$	-			$	432,721			$	432,726			$	-
Construction and land development			-				-				-				-				36,353				36,352				-
Residential			151				-				-				151				118,774				118,924				-
Commercial			-				50				-				50				49,820				49,869				-
Consumer			-				-				-				-				471				469				-
Total		$	151			$	50			$	-			$	201			$	638,139			$	638,340			$	-

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]

(Dollars in thousands)		2025				2024
Real estate:
Commercial		$	-			$	2,440
Residential			-				270
		$	-			$	2,710

Financing Receivable, Modified [Table Text Block]

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

Commercial real estate		$	4,380				1.01	%		$	2,038				0.51	%

Total		$	4,380				0.69	%		$	2,038				0.35	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination
		As of and for the year ended December 31, 2025
(dollars in thousands)																										Revolving
		2025				2024				2023				2022				2021				Prior				Loans				Total
Commercial Real Estate

Pass		$	79,675			$	46,355			$	26,415			$	59,035			$	49,841			$	138,474			$	5,601			$	405,396
Special Mention			2,188				12,707				-				5,869				-				1,219				400				22,383
Substandard			337				-				-				-				-				4,610				-				4,947
Doubtful			-				-				-				-				-				-				-				-
Total		$	82,200			$	59,062			$	26,415			$	64,904			$	49,841			$	144,303			$	6,001			$	432,726
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	647			$	-			$	647

Construction and Land Development

Pass		$	10,750			$	14,282			$	2,495			$	3,339			$	144			$	4,689			$	653			$	36,352
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	10,750			$	14,282			$	2,495			$	3,339			$	144			$	4,689			$	653			$	36,352
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Residential Real Estate

Pass		$	22,160			$	10,190			$	10,011			$	16,757			$	5,606			$	40,735			$	12,179			$	117,638
Special Mention			-				-				-				-				-				-				-				-
Substandard			1,262				-				-				-				-				5				19				1,286
Doubtful			-				-				-				-				-				-				-				-
Total		$	23,422			$	10,190			$	10,011			$	16,757			$	5,606			$	40,740			$	12,198			$	118,924
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial

Pass		$	5,332			$	9,963			$	3,067			$	3,643			$	1,950			$	651			$	14,119			$	38,725
Special Mention			1,009				104				173				303				-				-				9,148				10,737
Substandard			7				-				-				-				-				-				400				407
Doubtful			-				-				-				-				-				-				-				-
Total		$	6,348			$	10,067			$	3,240			$	3,946			$	1,950			$	651			$	23,667			$	49,869
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Consumer

Pass		$	377			$	54			$	36			$	-			$	-			$	2			$	-			$	469
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	377			$	54			$	36			$	-			$	-			$	2			$	-			$	469
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Aggregate total

Pass		$	118,294				80,844				42,024				82,774				57,541				184,551				32,552				598,580
Special Mention			3,197				12,811				173				6,172				-				1,219				9,548				33,120
Substandard			1,606				-				-				-				-				4,615				419				6,640
Doubtful			-				-				-				-				-				-				-				-
Total		$	123,097				93,655				42,197				88,946				57,541				190,385				42,519				638,340
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	647			$	-			$	647

						Term Loans Amortized Cost Basis by Origination
						As of and for the year ended December 31, 2024
																										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:
As of and for the year ended		Beginning				(recovery of)				Charge								Ending
December 31, 2025		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,481			$	550			$	(647	)		$	-			$	2,384			$	-			$	2,384			$	-			$	432,726
Construction and land development			478				42				-				-				520				-				520				-				36,352
Residential			751				(130	)			-				23				644				-				644				-				118,924
Commercial			513				249				-				-				762				-				762				-				49,869
Consumer			4				(3	)			-				-				1				-				1				-				469
Unallocated			33				17				-				-				50				-				50				-				-
		$	4,260			$	725			$	(647	)		$	23			$	4,361			$	-			$	4,361			$	-			$	638,340

																						Allowance for credit losses ending								Outstanding loan balances
(Dollars in thousands)						Provision for																balance evaluated for impairment:								evaluated:
As of and for the year ended		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			(146	)
Balance at December 31, 2025		$	140

December 31,		2025

Balance at December 31, 2024		$	240
Provision for credit losses			(46	)
Balance at December 31, 2025		$	194

December 31,		2024

Balance at December 31, 2023		$	228
Provision for credit losses			12
Balance at December 31, 2024		$	240

Components of Allowance for Credit Losses [Table Text Block]

		Year Ended December 31, 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			19				725				(46	)			698
Charge-offs			-				(647	)			-				(647	)
Recoveries			-				23				-				23
Ending balance		$	79			$	4,361			$	194			$	4,634

		Year Ended December 31, 2024
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	36			$	4,284			$	228			$	4,548
Provision for (recovery of) credit losses			24				114				12				150
Charge-offs			-				(162	)			-				(162	)
Recoveries			-				24				-				24
Ending balance		$	60			$	4,260			$	240			$	4,560