Note 4 - Loans (Tables)

3 Months Ended

Mar. 31, 2026

Notes Tables

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

(in thousands)		March 31, 2026				December 31, 2025
Commercial real estate:
Construction & land		$	53,256			$	48,037
Multi-family			97,542				100,924
Owner occupied			226,756				225,531
Non-owner occupied			546,503				545,959
Farmland			87,703				89,715
Commercial and industrial			68,207				70,262
Consumer			36,107				34,496
Agriculture			31,377				29,006
Total loans			1,147,451				1,143,930

Less:
Deferred loan fees and costs, net			(1,828	)			(1,943	)
Allowance for credit losses			(12,910	)			(12,381	)
Net loans		$	1,132,713			$	1,129,606

Financing Receivable, Nonaccrual [Table Text Block]

		March 31, 2026																December 31, 2025
(in thousands)		Total Non- accrual loans				Non- accrual loans with no Allowance				Non- accrual loans with Allowance				90 Days or More Past Due and Accruing				Total Non- accrual loans				Non- accrual loans with no Allowance				Non- accrual loans with Allowance				90 Days or More Past Due and Accruing
Commercial real estate:
Construction & land		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Multi-family			0				0				0				0				0				0				0				0
Owner occupied			0				0				0				0				0				0				0				0
Non-owner occupied			4,574				0				4,574				0				4,587				0				4,587				0
Farmland			0				0				0				0				0				0				0				0
Commercial and industrial			0				0				0				0				0				0				0				0
Consumer			0				0				0				0				0				0				0				0
Agriculture			0				0				0				0				0				0				0				0
Total		$	4,574			$	0			$	4,574			$	0			$	4,587			$	0			$	4,587			$	0

Summary of Individual Evaluated Loans [Table Text Block]

(in thousands)		Average Recorded Investment for the Three Months Ended March 31,
		2026				2025
Commercial real estate:
Construction & land		$	0			$	0
Multi-family			0				0
Owner occupied			0				0
Non-owner occupied			4,575				0
Farmland			0				0
Commercial and industrial			0				0
Consumer			0				0
Agriculture			0				0
Total		$	4,575			$	0

Financing Receivable, Past Due [Table Text Block]

March 31, 2026		30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Current				Total
Commercial real estate:
Construction & land		$	0			$	0			$	0			$	0			$	53,256			$	53,256
Multi-family			0				0				0				0				97,542				97,542
Owner occupied			0				0				0				0				226,756				226,756
Non-owner occupied			0				4,617				0				4,617				541,886				546,503
Farmland			0				0				0				0				87,703				87,703
Commercial and industrial			0				0				0				0				68,207				68,207
Consumer			0				1				0				1				36,106				36,107
Agriculture			0				0				195				195				31,182				31,377
Total		$	0			$	4,618			$	195			$	4,813			$	1,142,638			$	1,147,451

December 31, 2025		30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Current				Total
Commercial real estate:
Construction & land		$	0			$	0			$	0			$	0			$	48,037			$	48,037
Multi-family			0				0				0				0				100,924				100,924
Owner occupied			0				0				0				0				225,531				225,531
Non-owner occupied			0				0				0				0				545,959				545,959
Farmland			0				0				0				0				89,715				89,715
Commercial and industrial			0				0				0				0				70,262				70,262
Consumer			0				0				0				0				34,496				34,496
Agriculture			0				0				0				0				29,006				29,006
Total		$	0			$	0			$	0			$	0			$	1,143,930			$	1,143,930

Financing Receivable Credit Quality Indicators [Table Text Block]

		As of March 31, 2026
(in thousands)		Term Loans Amortized Cost Basis by Origination Year
Risk Grade Ratings		2026				2025				2024				2023				2022				Prior				Revolving Loans				Total
Commercial real estate - construction & land
Pass		$	0			$	38,860			$	11,805			$	0			$	1,642			$	949			$	0			$	53,256
Total commercial real estate - construction & land			0				38,860				11,805				0				1,642				949				0				53,256

Commercial real estate - multi-family
Pass			1,271				15,201				28,074				4,562				13,506				34,928				0				97,542
Total commercial real estate - multi-family			1,271				15,201				28,074				4,562				13,506				34,928				0				97,542

Commercial real estate - owner occupied
Pass			8,415				24,601				26,365				9,267				40,219				110,242				0				219,109
Special mention			0				0				0				0				0				7,647				0				7,647
Total commercial real estate - owner occupied			8,415				24,601				26,365				9,267				40,219				117,889				0				226,756

Commercial real estate - non-owner occupied
Pass			5,274				70,113				38,978				89,003				81,195				251,970				1,178				537,711
Special mention			0				0				0				0				0				4,218				0				4,218
Substandard			0				0				0				0				0				4,574				0				4,574
Total commercial real estate - non-owner occupied			5,274				70,113				38,978				89,003				81,195				260,762				1,178				546,503

Commercial real estate - Farmland
Pass			0				3,104				7,564				11,814				9,629				55,592				0				87,703
Total commercial real estate - farmland			0				3,104				7,564				11,814				9,629				55,592				0				87,703

Commercial and Industrial
Pass			728				6,831				21,251				8,489				6,592				6,063				13,544				63,498
Special mention			0				0				1,847				719				0				1,829				245				4,640
Substandard			0				0				0				0				69				0				0				69
Total commercial and industrial			728				6,831				23,098				9,208				6,661				7,892				13,789				68,207

Consumer
Pass			750				3,031				3,881				879				4,473				11,711				11,348				36,073
Substandard			0				0				0				0				0				34				0				34
Total consumer			750				3,031				3,881				879				4,473				11,745				11,348				36,107

Agriculture
Pass			0				0				223				3,091				621				1,205				26,049				31,189
Substandard			0				0				0				0				0				0				188				188
Total agriculture			0				0				223				3,091				621				1,205				26,237				31,377

Total by Risk Category
Pass			16,438				161,741				138,141				127,105				157,877				472,660				52,119				1,126,081
Special mention			0				0				1,847				719				0				13,694				245				16,505
Substandard			0				0				0				0				69				4,608				188				4,865
Total		$	16,438			$	161,741			$	139,988			$	127,824			$	157,946			$	490,962			$	52,552			$	1,147,451

		As of December 31, 2025
(in thousands)		Term Loans Amortized Cost Basis by Origination Year
Risk Grade Ratings		2025				2024				2023				2022				2021				Prior				Revolving Loans				Total
Commercial real estate - construction & land
Pass		$	31,734			$	13,689			$	0			$	1,649			$	0			$	965			$	0			$	48,037
Total commercial real estate - construction & land			31,734				13,689				0				1,649				0				965				0				48,037

Commercial real estate - multi-family
Pass			14,825				28,105				4,604				13,573				7,567				32,250				0				100,924
Total commercial real estate - multi-family			14,825				28,105				4,604				13,573				7,567				32,250				0				100,924

Commercial real estate - owner occupied
Pass			24,697				27,442				9,373				41,963				42,526				72,168				0				218,169
Special mention			0				0				0				0				7,097				265				0				7,362
Total commercial real estate - owner occupied			24,697				27,442				9,373				41,963				49,623				72,433				0				225,531

Commercial real estate - non-owner occupied
Pass			69,966				36,623				90,051				81,812				66,716				189,925				2,034				537,127
Special mention			0				0				0				0				0				4,246				0				4,246
Substandard			0				0				0				0				0				4,586				0				4,586
Total commercial real estate - non-owner occupied			69,966				36,623				90,051				81,812				66,716				198,757				2,034				545,959

Commercial real estate - Farmland
Pass			3,140				7,596				11,871				9,715				16,017				39,079				100				87,518
Special mention			0				0				0				0				0				2,197				0				2,197
Total commercial real estate - farmland			3,140				7,596				11,871				9,715				16,017				41,276				100				89,715

Commercial and Industrial
Pass			6,171				24,121				10,356				6,969				4,323				4,728				13,506				70,174
Substandard			0				0				0				78				0				10				0				88
Total commercial and industrial			6,171				24,121				10,356				7,047				4,323				4,738				13,506				70,262

Consumer
Pass			3,078				3,928				928				4,516				2,549				9,526				9,935				34,460
Substandard			1				0				0				0				0				35				0				36
Total consumer			3,079				3,928				928				4,516				2,549				9,561				9,935				34,496

Agriculture
Pass			1,500				235				3,162				669				1,101				265				21,346				28,278
Special mention			0				0				0				0				0				0				728				728
Total agriculture			1,500				235				3,162				669				1,101				265				22,074				29,006

Total by Risk Category
Pass			155,111				141,739				130,345				160,866				140,799				348,906				46,921				1,124,687
Special mention			0				0				0				0				7,097				6,708				728				14,533
Substandard			1				0				0				78				0				4,631				0				4,710
Total		$	155,112			$	141,739			$	130,345			$	160,944			$	147,896			$	360,245			$	47,649			$	1,143,930

		Three Months Ended March 31, 2026
(in thousands)		Term Loans Charged-off by Origination Year
Charge-offs		2026				2025				2024				2023				2022				Prior				Revolving Loans				Total
Commercial real estate:
Construction & land		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Multi-family			0				0				0				0				0				0				0				0
Owner occupied			0				0				0				0				0				0				0				0
Non-owner occupied			0				0				0				0				0				0				0				0
Farmland			0				0				0				0				0				0				0				0
Commercial and industrial			0				0				0				0				0				0				0				0
Consumer			0				0				0				0				0				0				15				15
Agriculture			0				0				0				0				0				0				0				0
Total		$	0			$	0			$	0			$	0			$	0			$	0			$	15			$	15

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

Allowance for Credit Losses
For the Three Months Ended March 31, 2026 and 2025

(in thousands)
Three Months Ended March 31, 2026		CRE Construction & Land				CRE Multi-family				CRE Owner occupied				CRE Non-owner occupied				CRE Farmland				Commercial and Industrial				Consumer				Agriculture				Total
Beginning balance		$	913			$	661			$	1,418			$	7,027			$	1,522			$	533			$	221			$	86			$	12,381
Charge-offs			0				0				0				0				0				0				(15	)			0				(15	)
Recoveries			0				0				0				0				0				0				5				0				5
Provision for (reversal of) credit losses (1)			65				(35	)			24				540				(55	)			(26	)			14				12				539
Ending balance		$	978			$	626			$	1,442			$	7,567			$	1,467			$	507			$	225			$	98			$	12,910

Three Months Ended March 31, 2025
Beginning balance		$	258			$	737			$	1,503			$	6,401			$	1,665			$	645			$	175			$	76			$	11,460
Charge-offs			0				0				0				0				0				0				(16	)			0				(16	)
Recoveries			0				0				0				0				0				0				4				0				4
Provision for (reversal of) credit losses (1)			129				(6	)			4				(69	)			(51	)			(37	)			6				24				0
Ending balance		$	387			$	731			$	1,507			$	6,332			$	1,614			$	608			$	169			$	100			$	11,448

(in thousands)
March 31, 2026		CRE Construction & Land				CRE Multi-family				CRE Owner occupied				CRE Non-owner occupied				CRE Farmland				Commercial and Industrial				Consumer				Agriculture				Total
Allowance for credit losses for loans:
Individually evaluated for impairment		$	0			$	0			$	0			$	1,727			$	0			$	0			$	0			$	0			$	1,727
Collectively evaluated for impairment			978				626				1,442				5,840				1,467				507				225				98				11,183
		$	978			$	626			$	1,442			$	7,567			$	1,467			$	507			$	225			$	98			$	12,910

Ending gross loan balances:
Individually evaluated for impairment		$	0			$	0			$	0			$	4,574			$	0			$	0			$	0			$	0			$	4,574
Collectively evaluated for impairment			53,256				97,542				226,756				541,929				87,703				68,207				36,107				31,377				1,142,877
		$	53,256			$	97,542			$	226,756			$	546,503			$	87,703			$	68,207			$	36,107			$	31,377			$	1,147,451

December 31, 2025
Allowance for credit losses for loans:
Individually evaluated for impairment		$	0			$	0			$	0			$	1,289			$	0			$	0			$	0			$	0			$	1,289
Collectively evaluated for impairment			913				661				1,418				5,738				1,522				533				221				86				11,092
		$	913			$	661			$	1,418			$	7,027			$	1,522			$	533			$	221			$	86			$	12,381

Ending gross loan balances:
Individually evaluated for impairment		$	0			$	0			$	0			$	4,587			$	0			$	0			$	0			$	0			$	4,587
Collectively evaluated for impairment			48,037				100,924				225,531				541,372				89,715				70,262				34,496				29,006				1,139,343
		$	48,037			$	100,924			$	225,531			$	545,959			$	89,715			$	70,262			$	34,496			$	29,006			$	1,143,930

Change in Allowance for Loan Losses [Table Text Block]

		Three Months Ended
(in thousands)		March 31,
		2026				2025
Balance, beginning of period		$	684			$	346
(Reversal of) provision for off balance sheet commitments recorded in provision for credit losses			(75	)			274
Balance, end of period		$	609			$	620