v3.26.1
Note 4 - Allowance for Credit Losses (Tables)
3 Months Ended
Mar. 31, 2026
Notes Tables  
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

March 31, 2026

 
  

Construction and Land Development

  

Secured by 1-4 Family Residential

  

Other Real Estate

  

Commercial and Industrial

  

Consumer and Other Loans

  

Total

 

Allowance for credit losses:

                        

Beginning Balance, December 31, 2025

 $539  $4,819  $5,952  $3,188  $221  $14,719 

Charge-offs

     (29)     (580)  (100)  (709)

Recoveries

  1   7   2   100   57   167 

Provision for (recovery of) credit losses on loans

  27   (399)  589   304      521 

Ending Balance, March 31, 2026

 $567  $4,398  $6,544  $3,012  $177  $14,698 

Ending Balance:

                        

Individually evaluated

           1,570      1,570 

Collectively evaluated

  567   4,398   6,544   1,442   177   13,128 

Loans:

                        

Ending Balance

 $97,487  $520,821  $712,567  $115,202  $18,329  $1,464,406 

Individually evaluated

  44   2,111      2,290      4,445 

Collectively evaluated

  97,443   518,710   712,567   112,912   18,329   1,459,961 
  

December 31, 2025

 
  

Construction and Land Development

  

Secured by 1-4 Family Residential

  

Other Real Estate

  

Commercial and Industrial

  

Consumer and Other Loans

  

Total

 

Allowance for credit losses:

                        

Beginning Balance, December 31, 2024

 $585  $4,266  $7,462  $3,927  $160  $16,400 

Charge-offs

  (22)  (59)  (7)  (4,221)  (496)  (4,805)

Recoveries

  5   31   15   168   147   366 

Provision for (recovery of) credit losses on loans

  (29)  581   (1,518)  3,314   410   2,758 

Ending Balance, December 31, 2025

 $539  $4,819  $5,952  $3,188  $221  $14,719 

Ending Balance:

                        

Individually evaluated

           1,793      1,793 

Collectively evaluated

  539   4,819   5,952   1,395   221   12,926 

Loans:

                        

Ending Balance

 $88,424  $527,283  $696,978  $117,944  $19,116  $1,449,745 

Individually evaluated

  45   1,994      2,615      4,654 

Collectively evaluated

  88,379   525,289   696,978   115,329   19,116   1,445,091 
  

March 31, 2025

 
  

Construction and Land Development

  

Secured by 1-4 Family Residential

  

Other Real Estate

  

Commercial and Industrial

  

Consumer and Other Loans

  

Total

 

Allowance for credit losses:

                        

Beginning Balance, December 31, 2024

 $585  $4,266  $7,462  $3,927  $160  $16,400 

Charge-offs

  (22)  (3)     (2,343)  (122)  (2,490)

Recoveries

     3   1   33   53   90 

Provision for (recovery of) credit losses on loans

  (7)  972   (1,755)  1,388   137   735 

Ending Balance, March 31, 2025

 $556  $5,238  $5,708  $3,005  $228  $14,735 

Ending Balance:

                        

Individually evaluated

           1,609      1,609 

Collectively evaluated

  556   5,238   5,708   1,396   228   13,126 

Loans:

                        

Ending Balance

 $81,596  $549,502  $665,682  $132,396  $20,774  $1,449,950 

Individually evaluated

  75   2,071      2,662      4,808 

Collectively evaluated

  81,521   547,431   665,682   129,734   20,774   1,445,142 
Financing Receivable, Nonaccrual [Table Text Block]
                         
  

March 31, 2026

  

December 31, 2025

 
  

Nonaccrual Loans with No Allowance

  

Nonaccrual loans with an Allowance

  

Total Nonaccrual Loans

  

Nonaccrual Loans with No Allowance

  

Nonaccrual loans with an Allowance

  

Total Nonaccrual Loans

 

Real estate loans:

                        

Construction and land development

 $44  $  $44  $45  $  $45 

Secured by 1-4 family residential

  2,111      2,111   1,994      1,994 

Other real estate loans

                  

Commercial and industrial

     2,290   2,290   1,031   1,584   2,615 

Consumer and other loans

                  

Total

 $2,155  $2,290  $4,445  $3,070  $1,584  $4,654 
Financing Receivable, Collateral Dependent Loans [Table Text Block]
  

March 31, 2026

  

December 31, 2025

 

(Dollars in thousands)

 

Real Estate Secured

  

Non-Real Estate Secured

  

Total Collateral-Dependent Loans

  

Real Estate Secured

  

Non-Real Estate Secured

  

Total Collateral-Dependent Loans

 

Real estate loans:

                        

Construction and land development

 $18  $  $18  $18  $  $18 

Secured by 1-4 family residential

  241      241   632      632 

Total

 $259  $  $259  $650  $  $650 
Financing Receivable, Modified [Table Text Block]
  

Term Extension

(Dollars in thousands)

 

Amortized Cost Basis

  

% of Total Loan Type

 

Financial Effect

Commercial and industrial

 $27   0.02%

Term and amortization increased from 4 years to 6 years

Total

 $27   0.02%