v3.26.1
Note 6 - Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2025
Notes Tables  
Financing Receivable Credit Quality Indicators [Table Text Block]
  

Term Loans by Year of Origination

 

December 31, 2025

 

2025

  

2024

  

2023

  

2022

  

2021

  

Prior

  

Revolving

  

Total

 
                                 

Commercial

                                

Pass

 $6,465  $15,341  $7,230  $10,202  $32,215  $30,547  $56,843  $158,843 

Special Mention

  -   50   405   9   -   418   894   1,776 

Substandard

  -   -   51   1,097   810   -   198   2,156 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Commercial – Total

  6,465   15,391   7,686   11,308   33,025   30,965   57,935   162,775 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Commercial Real Estate

                                

Pass

  66,917   56,133   40,313   52,213   48,425   65,335   18,246   347,582 

Special Mention

  -   -   290   561   -   2,650   9   3,510 

Substandard

  -   -   3   -   1,680   54   1,915   3,652 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Commercial Real Estate – Total

  66,917   56,133   40,606   52,774   50,105   68,039   20,170   354,744 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Residential Mortgage

                                

Pass

  57,081   39,475   34,327   53,524   47,866   116,275   3,742   352,290 

Special Mention

  -   264   156   -   99   2,733   -   3,252 

Substandard

  -   -   188   -   -   535   193   916 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Residential Mortgage – Total

  57,081   39,739   34,671   53,524   47,965   119,543   3,935   356,458 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Home Equity

                                

Pass

  4,997   4,217   2,543   2,363   2,371   7,155   9,043   32,689 

Special Mention

  -   25   -   -   -   31   -   56 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Home Equity – Total

  4,997   4,242   2,543   2,363   2,371   7,186   9,043   32,745 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Consumer - Other

                                

Pass

  1,477   1,019   753   274   69   179   554   4,325 

Special Mention

  -   1   2   10   -   -   1   14 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   21   -   -   -   -   21 

Loss

  -   -   -   -   -   -   -   - 
                                 

Consumer - Other – Total

  1,477   1,020   776   284   69   179   555   4,360 
                                 

Current Year Gross Charge-Offs

  -   13   5   -   -   5   -   23 
                                 

Consumer – Auto

                                

Pass

  2,695   2,368   1,776   1,032   168   48   -   8,087 

Special Mention

  -   -   21   12   9   -   -   42 

Substandard

  -   -   -   22   4   -   -   26 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Consumer - Auto – Total

  2,695   2,368   1,797   1,066   181   48   -   8,155 
                                 

Current Year Gross Charge-Offs

  -   36   7   6   -   -   -   49 
                                 

Overall – Total

 $139,632  $118,893  $88,079  $121,319  $133,716  $225,960  $91,638  $919,237 
                                 

Current Year Gross Charge-Offs - Total

 $-  $49  $12  $6  $-  $5  $-  $72 
  

Term Loans by Year of Origination

 

December 31, 2024

 

2024

  

2023

  

2022

  

2021

  

2020

  

Prior

  

Revolving

  

Total

 
                                 

Commercial

                                

Pass

 $6,909  $4,500  $6,221  $14,788  $3,968  $4,812  $45,006  $86,204 

Special Mention

  55   381   -   -   451   -   899   1,786 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Commercial – Total

  6,964   4,881   6,221   14,788   4,419   4,812   45,905   87,990 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Commercial Real Estate

                                

Pass

  44,433   35,523   26,801   34,436   16,420   46,684   56   204,353 

Special Mention

  240   289   573   -   -   2,677   -   3,779 

Substandard

  -   -   -   4,449   -   14   -   4,463 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Commercial Real Estate – Total

  44,673   35,812   27,374   38,885   16,420   49,375   56   212,595 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Residential Mortgage

                                

Pass

  14,439   14,932   15,320   19,923   18,859   35,550   128   119,151 

Special Mention

  453   277   -   364   -   624   -   1,718 

Substandard

  -   -   -   -   -   476   -   476 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Residential Mortgage – Total

  14,892   15,209   15,320   20,287   18,859   36,650   128   121,345 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Home Equity

                                

Pass

  109   -   -   -   -   369   6,708   7,186 

Special Mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Home Equity – Total

  109   -   -   -   -   369   6,708   7,186 
                                 

Current Year Gross Charge-Offs

  -   -   -   -   -   -   -   - 
                                 

Consumer - Other

                                

Pass

  707   445   200   31   7   5   109   1,504 

Special Mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   22   -   -   -   -   -   22 

Loss

  -   -   -   -   -   -   -   - 
                                 

Consumer - Other – Total

  707   467   200   31   7   5   109   1,526 
                                 

Current Year Gross Charge-Offs

  10   -   -   -   -   -   -   10 
                                 

Consumer – Auto

                                

Pass

  2,574   2,113   1,138   367   130   155   -   6,477 

Special Mention

  8   5   15   -   -   -   -   28 

Substandard

  -   -   -   8   -   3   -   11 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 
                                 

Consumer - Auto – Total

  2,582   2,118   1,153   375   130   158   -   6,516 
                                 

Current Year Gross Charge-Offs

  13   26   -   13   -   -   -   52 
                                 

Overall – Total

 $69,927  $58,487  $50,268  $74,366  $39,835  $91,369  $52,906  $437,158 
                                 

Current Year Gross Charge-Offs - Total

 $23  $26  $-  $13  $-  $-  $-  $62 
Financing Receivable, Past Due [Table Text Block]
      

Greater

      

Total Past

         
      

than 90

      

Due and

      

Total

 
  

30-89 Days

  

Days and

  

Non-

  

Non-

      

Loans

 

December 31, 2025

 

Past Due (1)

  

Accruing

  

accrual

  

accrual

  

Current

  

Receivable

 
                         

Commercial

 $597  $-  $1,646  $2,243  $160,532  $162,775 

Commercial real estate

  -   -   2,274   2,274   352,470   354,744 

Residential mortgage

  3,572   -   2,321   5,893   350,565   356,458 

Home equity

  180   -   15   195   32,550   32,745 

Consumer, other

  46   -   6   52   4,308   4,360 

Consumer, automobile

  202   -   42   244   7,911   8,155 
                         

Total

 $4,597  $-  $6,304  $10,901  $908,336  $919,237 
      

Greater

      

Total Past

         
      than 90      Due and      Total 
  

30-89 Days

  

Days and

  

Non-

  

Non-

      

Loans

 

December 31, 2024

 

Past Due (1)

  

Accruing

  

accrual

  

accrual

  

Current

  

Receivable

 
                         

Commercial

 $18  $-  $-  $18  $87,972  $87,990 

Commercial real estate

  -   -   -   -   212,595   212,595 

Residential mortgage

  282   -   420   702   120,643   121,345 

Home equity

  -   -   -   -   7,186   7,186 

Consumer, other

  2   -   -   2   1,524   1,526 

Consumer, automobile

  121   -   18   139   6,377   6,516 
                         

Total

 $423  $-  $438  $861  $436,297  $437,158 
Financing Receivable, Nonaccrual [Table Text Block]
  

Nonaccruals

  

Nonaccruals

 
  

with No

  

with an

 
  

Allowance

  

Allowance

 
  

for Credit

  

for Credit

 

December 31, 2025

 

Losses

  

Losses

 
         

Commercial

 $1,148  $498 

Commercial real estate

  74   2,200 

Residential mortgage

  1,727   594 

Home equity

  15   - 

Consumer, other

  6   - 

Consumer, automobile

  42   - 
         

Total

 $3,012  $3,292 
  

Nonaccruals

  

Nonaccruals

 
  

with No

  

with an

 
  

Allowance

  

Allowance

 
  

for Credit

  

for Credit

 

December 31, 2024

 

Losses

  

Losses

 
         

Commercial

 $-  $- 

Commercial real estate

  -   - 

Residential mortgage

  420   - 

Home equity

  -   - 

Consumer, other

  -   - 

Consumer, automobile

  18   - 
         

Total

 $438  $- 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
      Initial          Initial         
  

Beginning

  

Provision for

          

Provision for

  

Provisions

  

Ending

 

December 31, 2025

 

Balance

  

PCD Loans

  

Charge-offs

  

Recoveries

  

Non-PCD Loans

  

(Credits)

  

Balance

 
                             

Commercial

 $1,007  $423  $-  $5  $1,311  $574  $3,320 

Commercial real estate

  2,366   114   -   -   975   558   4,013 

Residential mortgage

  823   178   -   -   1,466   (221)  2,246 

Home equity

  83   7   -   -   184   (94)  180 

Consumer, other

  18   3   (23)  4   73   (15)  60 

Consumer, automobile

  82   -   (49)  11   -   41   85 
                             

Total

 $4,379  $725  $(72) $20  $4,009  $843  $9,904 
  

Beginning

          

Provisions

  

Ending

 

December 31, 2024

 

Balance

  

Charge-offs

  

Recoveries

  

(Credits)

  

Balance

 
                     

Commercial

 $793  $-  $2  $212  $1,007 

Commercial real estate

  1,741   -   -   625   2,366 

Residential mortgage

  792   -   -   31   823 

Home equity

  60   -   -   23   83 

Consumer, other

  44   (10)  -   (16)  18 

Consumer, automobile

  85   (52)  9   40   82 

Unallocated

  346   -   -   (346)  - 
                     

Total

 $3,861  $(62) $11  $569  $4,379 
  

Allowance for Credit Losses

  

Loans Receivable

 
  

Ending Balance December 31, 2025

  

Ending Balance December 31, 2025

 
  

Individually

  

Collectively

      

Individually

  

Collectively

     
  

Evaluated

  

Evaluated

  

Total

  

Evaluated

  

Evaluated

  

Total

 
                         

Commercial

 $498  $2,822  $3,320  $1,646  $161,129  $162,775 

Commercial real estate

  98   3,915   4,013   2,273   352,471   354,744 

Residential mortgage

  19   2,227   2,246   2,897   353,561   356,458 

Home equity

  -   180   180   15   32,730   32,745 

Consumer, other

  -   60   60   1   4,359   4,360 

Consumer, automobile

  -   85   85   -   8,155   8,155 
                         

Total

 $615  $9,289  $9,904  $6,832  $912,405  $919,237 
  

Allowance for Credit Losses

  

Loans Receivable

 
  

Ending Balance December 31, 2024

  

Ending Balance December 31, 2024

 
  

Individually

  

Collectively

      

Individually

  

Collectively

     
  

Evaluated

  

Evaluated

  

Total

  

Evaluated

  

Evaluated

  

Total

 

Commercial

 $17  $990  $1,007  $964  $87,026  $87,990 

Commercial real estate

  -   2,366   2,366   289   212,306   212,595 

Residential mortgage

  3   820   823   852   120,493   121,345 

Home equity

  -   83   83   -   7,186   7,186 

Consumer, other

  -   18   18   -   1,526   1,526 

Consumer, automobile

  -   82   82   -   6,516   6,516 
                         

Total

 $20  $4,359  $4,379  $2,105  $435,053  $437,158 
Financing Receivable, Collateral Dependent [Table Text Block]
  

Real Estate

  

Other

     

December 31, 2025

 

Collateral

  

Collateral

  

Total

 
             

Commercial

 $1,575  $71  $1,646 

Commercial real estate

  2,271   -   2,271 

Residential mortgage

  1,586   -   1,586 

Home equity

  15   -   15 

Consumer, other

  -   -   - 

Consumer, automobile

  -   -   - 
             

Total

 $5,447  $71  $5,518 
  

Real Estate

  

Other

     

December 31, 2024

 

Collateral

  

Collateral

  

Total

 
             

Commercial

 $97  $-  $97 

Commercial real estate

  -   -   - 

Residential mortgage

  590   -   590 

Home equity

  -   -   - 

Consumer, other

  -   -   - 

Consumer, automobile

  -   -   - 
             

Total

 $687  $-  $687 
Financing Receivable, Modified [Table Text Block]

December 31, 2025

 Principal Forgiveness  Payment Delay  Term Extension  Interest Rate Reduction  Combination Term Extension and Payment Delay  

Total

  % of Total Class of Financing Receivable 
                             

Commercial

 $-  $-  $498  $-  $-  $498   0.3%
                             

Total

 $-  $-  $498  $-  $-  $498   0.1%

December 31, 2024

 

Principal Forgiveness

  

Payment Delay

  

Term Extension

  

Interest Rate Reduction

  

Combination Term Extension and Payment Delay

  

Total

  

% of Total Class of Financing Receivable

 
                             

Commercial

 $-  $-  $97  $-  $866  $963   1.1%

Commercial real estate

 $-  $-  $-  $-  $290  $290   0.1%

Residential mortgage

 $-  $-  $170  $-  $262  $432   0.4%
                             

Total

 $-  $-  $267  $-  $1,418  $1,685   0.4%
Allowance for Unfunded Commitments [Table Text Block]
  

Allowance for

 
  

Credit Losses

 
  

Unfunded

 
  

Commitments

 

Beginning balance, December 31, 2024

 $377 

Provision for credit losses

  340 

Beginning balance, December 31, 2025

 $717 
  

Allowance for

 
  

Credit Losses

 
  

Unfunded

 
  

Commitments

 

Beginning balance, December 31, 2023

 $266 

Provision for credit losses

  111 

Beginning balance, December 31, 2024

 $377