Note 4 - Loans, Allowance for Credit Losses and Other Real Estate Owned (Tables)

3 Months Ended

Mar. 31, 2026

Notes Tables

Schedule of Loans Receivable [Table Text Block]

		At March 31,				At December 31,
		2026				2025
		(In thousands)

Commercial		$	108,476			$	117,009
Commercial real estate			471,961				482,230
Construction			-				-
Residential real estate			6,601				7,186
Consumer installment & other			109,166				120,057
Total		$	696,204			$	726,482

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

		Allowance for Credit Losses
		For the Three Months Ended March 31, 2026
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,048			$	6,109			$	-			$	22			$	1,394			$	11,573
(Reversal) provision			(681	)			(307	)			-				2				686				(300	)
Chargeoffs			-				-				-				-				(791	)			(791	)
Recoveries			80				19				-				-				570				669
Total allowance for credit losses		$	3,447			$	5,821			$	-			$	24			$	1,859			$	11,151

		Allowance for Credit Losses
		For the Three Months Ended March 31, 2025
																		Consumer
						Commercial								Residential				Installment
		Commercial				Real Estate				Construction				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	4,197			$	6,034			$	247			$	22			$	4,280			$	14,780
(Reversal) provision			(41	)			309				-				4				(822	)			(550	)
Chargeoffs			(10	)			(191	)			-				-				(1,525	)			(1,726	)
Recoveries			265				13				-				-				1,132				1,410
Total allowance for credit losses		$	4,411			$	6,165			$	247			$	26			$	3,065			$	13,914

Financing Receivable Credit Quality Indicators [Table Text Block]

		Credit Risk Profile by Internally Assigned Grade
		At March 31, 2026
		Commercial				Commercial Real Estate				Construction				Residential Real Estate				Consumer Installment and Other				Total
		(In thousands)
Grade:
Pass		$	106,835			$	464,136			$	-			$	6,401			$	107,394			$	684,766
Substandard			955				7,825				-				200				1,363				10,343
Doubtful			686				-				-				-				48				734
Loss			-				-				-				-				361				361
Total		$	108,476			$	471,961			$	-			$	6,601			$	109,166			$	696,204

		Credit Risk Profile by Internally Assigned Grade
		At December 31, 2025
		Commercial				Commercial Real Estate				Construction				Residential Real Estate				Consumer Installment and Other				Total
		(In thousands)
Grade:
Pass		$	114,861			$	474,140			$	-			$	6,983			$	118,036			$	714,020
Substandard			1,053				8,090				-				203				1,646				10,992
Doubtful			1,095				-				-				-				57				1,152
Loss			-				-				-				-				318				318
Total		$	117,009			$	482,230			$	-			$	7,186			$	120,057			$	726,482

Financing Receivable, Past Due [Table Text Block]

		Summary of Loans by Delinquency and Nonaccrual Status
		At March 31, 2026
		Current and Accruing				30-59 Days Past Due and Accruing				60-89 Days Past Due and Accruing				Past Due 90 Days or More and Accruing				Nonaccrual				Total Loans
		(In thousands)
Commercial		$	107,447			$	244			$	-			$	-			$	785			$	108,476
Commercial real estate			469,992				1,501				88				-				380				471,961
Construction			-				-				-				-				-				-
Residential real estate			6,601				-				-				-				-				6,601
Consumer installment and other			106,885				1,647				357				277				-				109,166
Total		$	690,925			$	3,392			$	445			$	277			$	1,165			$	696,204

		Summary of Loans by Delinquency and Nonaccrual Status
		At December 31, 2025
		Current and Accruing				30-59 Days Past Due and Accruing				60-89 Days Past Due and Accruing				Past Due 90 Days or More and Accruing				Nonaccrual				Total Loans
		(In thousands)
Commercial		$	115,595			$	295			$	24			$	-			$	1,095			$	117,009
Commercial real estate			481,664				187				-				-				379				482,230
Construction			-				-				-				-				-				-
Residential real estate			7,186				-				-				-				-				7,186
Consumer installment and other			116,657				2,428				632				340				-				120,057
Total		$	721,102			$	2,910			$	656			$	340			$	1,474			$	726,482

Financing Receivable, Loans by Risk Category [Table Text Block]

		At March 31, 2026
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2022				2023				2024				2025				2026				Term Loans				Cost Basis				Total
		(In thousands)
Commercial loans by grade:
Pass		$	22,620			$	7,246			$	6,040			$	15,861			$	30,197			$	1,748			$	83,712			$	23,123			$	106,835
Substandard			187				-				-				-				291				-				478				477				955
Doubtful			-				-				-				-				686				-				686				-				686
Loss			-				-				-				-				-				-				-				-				-
Total		$	22,807			$	7,246			$	6,040			$	15,861			$	31,174			$	1,748			$	84,876			$	23,600			$	108,476

Current gross chargeoffs on commercial loans:
For the three months ended March 31, 2026
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At December 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Commercial loans by grade:
Pass		$	20,092			$	4,407			$	8,072			$	6,806			$	16,560			$	35,914			$	91,851			$	23,010			$	114,861
Substandard			201				-				-				-				-				446				647				406				1,053
Doubtful			-				-				-				-				-				707				707				388				1,095
Loss			-				-				-				-				-				-				-				-				-
Total		$	20,293			$	4,407			$	8,072			$	6,806			$	16,560			$	37,067			$	93,205			$	23,804			$	117,009

Current gross chargeoffs on commercial loans:
For the year ended December 31, 2025
		$	-			$	1,559			$	-			$	5			$	-			$	-			$	1,564			$	33			$	1,597

		At March 31, 2026
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2022				2023				2024				2025				2026				Term Loans				Cost Basis				Total
		(In thousands)
Commercial real estate loans by grade:
Pass		$	239,495			$	45,739			$	40,779			$	67,722			$	55,927			$	14,474			$	464,136			$	-			$	464,136
Substandard			7,825				-				-				-				-				-				7,825				-				7,825
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	247,320			$	45,739			$	40,779			$	67,722			$	55,927			$	14,474			$	471,961			$	-			$	471,961

Current gross chargeoffs on commercial real estate loans:
For the three months ended March 31, 2026
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At December 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Commercial real estate loans by grade:
Pass		$	206,896			$	55,247			$	46,224			$	41,080			$	68,136			$	56,557			$	474,140			$	-			$	474,140
Substandard			7,922				-				-				-				-				168				8,090				-				8,090
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	214,818			$	55,247			$	46,224			$	41,080			$	68,136			$	56,725			$	482,230			$	-			$	482,230

Current gross chargeoffs on commercial real estate loans:
For the year ended December 31, 2025
		$	191			$	-			$	-			$	-			$	-			$	-			$	191			$	-			$	191

		At March 31, 2026
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2022				2023				2024				2025				2026				Term Loans				Cost Basis				Total
		(In thousands)
Residential real estate loans by grade:
Pass		$	6,401			$	-			$	-			$	-			$	-			$	-			$	6,401			$	-			$	6,401
Substandard			200				-				-				-				-				-				200				-				200
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	6,601			$	-			$	-			$	-			$	-			$	-			$	6,601			$	-			$	6,601

Current gross chargeoffs on residential real estate loans:
For the three months ended March 31, 2026
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At December 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Residential real estate loans by grade:
Pass		$	6,983			$	-			$	-			$	-			$	-			$	-			$	6,983			$	-			$	6,983
Substandard			203				-				-				-				-				-				203				-				203
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	7,186			$	-			$	-			$	-			$	-			$	-			$	7,186			$	-			$	7,186

Current gross chargeoffs on residential real estate loans:
For the year ended December 31, 2025
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		At March 31, 2026
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2022				2023				2024				2025				2026				Term Loans				Cost Basis				Total
		(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current		$	19,071			$	25,991			$	16,059			$	15,166			$	13,139			$	4,004			$	93,430			$	13,455			$	106,885
30-59 days past due			591				563				141				183				140				25				1,643				4				1,647
60-89 days past due			88				60				26				33				149				-				356				1				357
Past due 90 days or more			32				88				-				33				98				-				251				26				277
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	19,782			$	26,702			$	16,226			$	15,415			$	13,526			$	4,029			$	95,680			$	13,486			$	109,166

Current gross chargeoffs on consumer installment and other loans:
For the three months ended March 31, 2026
		$	66			$	220			$	147			$	107			$	123			$	-			$	663			$	128			$	791

		At December 31, 2025
																														Line of
																														Credit
		Term Loans Amortized Cost Basis by Origination Year																								Total				Amortized
		Prior				2021				2022				2023				2024				2025				Term Loans				Cost Basis				Total
		(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current		$	6,006			$	17,795			$	29,917			$	17,712			$	16,822			$	14,780			$	103,032			$	13,625			$	116,657
30-59 days past due			193				804				799				270				81				120				2,267				161				2,428
60-89 days past due			14				103				164				41				190				44				556				76				632
Past due 90 days or more			1				37				49				69				71				91				318				22				340
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	6,214			$	18,739			$	30,929			$	18,092			$	17,164			$	15,035			$	106,173			$	13,884			$	120,057

Current gross chargeoffs on consumer installment and other loans:
For the year ended December 31, 2025
		$	250			$	679			$	1,551			$	657			$	727			$	10			$	3,874			$	226			$	4,100