v3.26.1
Note 8 - Loans Receivable, Net 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,

 

Real estate loans:

 

2025

  

2024

 

One-to-four family residential:

        

Owner occupied

 $41,627  $25,927 

Non-owner occupied

  28,870   33,573 

Total one-to-four family residential

  70,497   59,500 

Multi-family (five or more) residential

  40,772   45,412 

Commercial real estate

  309,745   297,627 

Construction

  23,461   18,320 

Home equity

  5,374   5,739 

Total real estate loans

  449,849   426,598 
         

Commercial business

  96,318   114,921 

Other consumer

  33   46 

Total Loans

  546,200   541,565 
         

Deferred loan (fees) and costs

  664   (396)

Allowance for credit losses, net

  (6,166)  (6,476)

Net Loans

 $540,698  $534,693 
Financing Receivable, Internal Risk Categories [Table Text Block]
  

Term Loans Amortized Cost by Origination Year

  

As of December 31, 2025

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Revolving Loans Amortized Cost Basis

  

Total

 

One-to-four family residential owner occupied

                                
Risk rating                                

Pass

 $19,064  $6,685  $4,425  $4,566  $2,712  $3,486  $-  $40,938 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   299   -   390   -   689 

Doubtful

  -   -   -   -   -   -   -   - 

Total one-to-four family residential owner occupied

 $19,064  $6,685  $4,425  $4,865  $2,712  $3,876  $-  $41,627 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

One-to-four family residential non- owner occupied

                                
Risk rating                                

Pass

 $640  $1,254  $1,891  $4,196  $11,555  $9,237  $-  $28,773 

Special mention

  -   -   -   -   -   97   -   97 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total one-to-four family residential non-owner occupied

 $640  $1,254  $1,891  $4,196  $11,555  $9,334   -  $28,870 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Multi-family residential

                                
Risk rating                                

Pass

 $-  $5,238  $905  $12,380  $10,072  $12,177  $-  $40,772 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total multi-family residential

 $-  $5,238  $905  $12,380  $10,072  $12,177  $-  $40,772 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Commercial real estate

                                
Risk rating                                

Pass

 $36,974  $34,206  $39,730  $74,031  $51,938  $57,390  $8,542  $302,811 

Special mention

  -   -   -   569   -   540   -   1,109 

Substandard

  -   551   1,227   1,230   263   2,379   175   5,825 

Doubtful

  -   -   -   -   -   -   -   - 

Total commercial real estate

 $36,974  $34,757  $40,957  $75,830  $52,201  $60,309  $8,717  $309,745 

Current period gross charge-offs

 $-  $41  $-  $-  $-  $-  $-  $41 
                                 

Construction

                                
Risk rating                                

Pass

 $16,961  $6,301  $199  $-  $-  $-  $-  $23,461 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total construction

 $16,961  $6,301  $199  $-  $-  $-  $-  $23,461 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
  

Term Loans Amortized Cost by Origination Year

         

As of December 31, 2025

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Revolving Loans Amortized Cost Basis

  

Total

 

Home equity

                                
Risk rating                                

Pass

 $-  $522  $494  $107  $-  $134  $4,117  $5,374 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total home equity

 $-  $522  $494  $107  $-  $134  $4,117  $5,374 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Commercial business

                                
Risk rating                                

Pass

 $9,773  $3,725  $2,428  $26,784  $8,691  $2,161  $23,202  $76,764 

Special mention

  -   -   335   296   1,725   729   10   3,095 

Substandard

  -   11,729   -   1,890   2,130   410   300   16,459 

Doubtful

  -   -   -   -   -   -   -   - 

Total commercial business

 $9,773  $15,454  $2,763  $28,970  $12,546  $3,300  $23,512  $96,318 

Current period gross charge-offs

 $798  $-  $733  $-  $35  $-  $1,566  $1,566 
                                 

Other consumer

                                
Risk rating                                

Pass

 $-  $-  $33  $-  $-  $-  $-  $33 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total other consumer

 $-  $-  $33  $-  $-  $-  $-  $33 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Total

                                

Pass

 $83,412  $57,931  $50,105  $122,064  $84,968  $84,585  $35,861  $518,926 

Special mention

  -   -   335   865   1,725   1,366   10   4,301 

Substandard

  -   12,280   1,227   3,419   2,393   3,179   475   22,973 

Doubtful

  -   -   -   -   -   -   -   - 

Total

 $83,412  $70,211  $51,667  $126,348  $89,086  $89,130  $36,346  $546,200 

Current period gross charge-offs

 $-  $839  $-  $733  $-  $35  $-  $1,607 
  

Term Loans Amortized Cost by Origination Year

   

As of December 31, 2024

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Revolving Loans Amortized Cost Basis

  

Total

 

One-to-four family residential owner occupied

                                
Risk rating                                

Pass

 $7,290  $5,508  $5,078  $3,719  $1,632  $2,401  $-  $25,628 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   299   -   -   -   -   299 

Doubtful

  -   -   -   -   -   -   -   - 

Total one-to-four family residential owner occupied

 $7,290  $5,508  $5,377  $3,719  $1,632  $2,401  $-  $25,927 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

One-to-four family residential non-owner occupied

                                
Risk rating                                

Pass

 $1,363  $1,920  $6,049  $11,949  $1,835  $10,457  $-  $33,573 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total one-to-four family residential non-owner occupied

 $1,363  $1,920  $6,049  $11,949  $1,835  $10,457   -  $33,573 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Multi-family residential

                                
Risk rating                                

Pass

 $5,274  $923  $12,713  $13,087  $4,068  $9,347  $-  $45,412 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total multi-family residential

 $5,274  $923  $12,713  $13,087  $4,068  $9,347  $-  $45,412 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Commercial real estate

                                
Risk rating                                

Pass

 $35,478  $47,329  $80,933  $57,927  $22,637  $46,912  $4,394  $295,610 

Special mention

  -   746   333   116   -   -   50   1,245 

Substandard

  -   -   772   -   -   -   -   772 

Doubtful

  -   -   -   -   -   -   -   - 

Total commercial real estate

 $35,478  $48,075  $82,038  $58,043  $22,637  $46,912  $4,444  $297,627 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Construction

                                
Risk rating                                

Pass

 $4,498  $3,748  $5,546  $4,113  $-  $-  $-  $17,905 

Special mention

  -   415   -   -   -   -   -   415 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total construction

 $4,498  $4,163  $5,546  $4,113  $-  $-  $-  $18,320 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $187  $-  $187 
  

Term Loans Amortized Cost by Origination Year

   

As of December 31, 2024

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Revolving Loans

Amortized Cost Basis

  

Total

 

Home equity

                                
Risk rating                                

Pass

 $529  $364  $-  $114  $-  $169  $4,563  $5,739 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total home equity

 $529  $364  $-  $114  $-  $169  $4,563  $5,739 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Commercial business

                                
Risk rating                                

Pass

 $16,655  $4,056  $48,619  $18,554  $3,205  $1,826  $17,854  $110,769 

Special mention

  -   -   -   -   574   -   100   674 

Substandard

  296   -   702   2,387   33   -   60   3,478 

Doubtful

  -   -   -   -   -   -   -   - 

Total commercial business

 $16,951  $4,056  $49,321  $20,941  $3,812  $1,826  $18,014  $114,921 

Current period gross charge-offs

 $388  $-  $1,167  $56  $-  $-  $-  $1,611 
                                 

Other consumer

                                
Risk rating                                

Pass

 $46  $-  $-  $-  $-  $-  $-  $46 

Special mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Total other consumer

 $46  $-  $-  $-  $-  $-  $-  $46 

Current period gross charge-offs

 $-  $-  $-  $-  $-  $-  $-  $- 
                                 

Total

                                

Pass

 $71,133  $63,848  $158,938  $109,463  $33,377  $71,112  $26,811  $534,682 

Special mention

  -   1,161   333   116   574   -   150   2,334 

Substandard

  296   -   1,773   2,387   33   -   60   4,549 

Doubtful

  -   -   -   -   -   -   -   - 

Total

 $71,429  $65,009  $161,044  $111,966  $33,984  $71,112  $27,021  $541,565 

Current period gross charge-offs

 $388  $-  $1,167  $56  $-  $187  $-  $1,798 
Financing Receivable, Nonaccrual [Table Text Block]
  

December 31, 2025

 
  

Non-accrual loans

  

90 Days

or More Past Due and Accruing 

  

Total

Non-Performing

 
  

With a Related Allowance

  

Without a Related Allowance

  

Total

       

One-to-four family residential owner occupied

 $-  $689  $689  $266  $955 

Commercial real estate

  427   1,905   2,332   1,238   3,570 

Commercial business

  964   1,849   2,813   2   2,815 

Total

 $1,391  $4,443  $5,834  $1,506  $7,340 
  

December 31, 2024

 
  

Non-accrual loans

  

90 Days

or More Past Due

and Accruing

  

Total

  Non-Performing		 
  

With a Related Allowance

  

Without a Related Allowance

  

Total

     

One-to-four family residential owner occupied

 $-  $299  $299  $395  $694 

Commercial real estate

  -   1,519   1,519   167   1,686 

Commercial business

  1,097   2,680   3,777   164   3,941 

Total

 $1,097  $4,498  $5,595  $726  $6,321 
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]
  

December 31, 2025

 
  

1-4 Family

Residential Owner Occupied

  

1-4 Family

Residential Non-Owner Occupied

  

Multi-Family

Residential

  

Commercial Real Estate

  

Construction

  

Home Equity

  

Commercial Business and Other Consumer

  

Total

 
Allowance for credit losses:                                

Beginning balance

 $177  $178  $442  $2,337  $156  $56  $3,130  $6,476 

Charge-offs

  -   -   -   (41)  -   -   (1,566)  (1,607)

Recoveries

  -   -   -   -   -   -   100   100 

Provision

  122   (29)  (144)  126   384   (8)  746   1,197 

Ending balance

 $299  $149  $298  $2,422  $540  $48  $2,410  $6,166 
  

December 31, 2024

 
  

1-4 Family

Residential Owner Occupied

  

1-4 Family

Residential Non-Owner Occupied

  

Multi-Family

Residential

  

Commercial Real Estate

  

Construction

  

Home Equity

  

Commercial Business and Other Consumer

  

Total

 

Allowance for credit losses:

 

Beginning balance

 $153  $219  $420  $2,784  $583  $61  $2,538  $6,758 

Charge-offs

  -   -   -   -   (187)  -   (1,611)  (1,798)

Recoveries

  -   -   -   -   -   -   10   10 

Provision

  24   (41)  22   (447)  (240)  (5)  2,193   1,506 

Ending balance

 $177  $178  $442  $2,337  $156  $56  $3,130  $6,476 
Financing Receivable, Past Due [Table Text Block]
  

December 31, 2025

 
  

30-89 Days Past Due

  

90 Days or More Past Due

  

Current

  

Total Loans Receivable

 

One-to-four family residential owner occupied

 $-  $954  $40,673  $41,627 

One-to-four family residential non-owner occupied

  189   -   28,681   28,870 

Multi-family residential

  1,660   -   39,112   40,772 

Commercial real estate

  8,653   3,570   297,522   309,745 

Construction

  97   -   23,364   23,461 

Home equity

  25   -   5,349   5,374 

Commercial business

  1,705   2,816   91,797   96,318 

Other consumer

  -   -   33   33 

Total

 $12,329  $7,340  $526,531  $546,200 
  

December 31, 2024

 
  

30-89 Days Past Due

  

90 Days or More Past Due

  

Current

  

Total Loans Receivable

 

One-to-four family residential owner occupied

 $209  $694  $25,024  $25,927 

One-to-four family residential non-owner occupied

  569   -   33,004   33,573 

Multi-family residential

  85   -   45,327   45,412 

Commercial real estate

  10,063   1,686   285,878   297,627 

Construction

  4,528   -   13,792   18,320 

Home equity

  35   -   5,704   5,739 

Commercial business

  873   3,941   110,107   114,921 

Other consumer

  -   -   46   46 

Total

 $16,362  $6,321  $518,882  $541,565