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

6 Months Ended

Jun. 30, 2026

Notes Tables

Schedule of Loans Receivable [Table Text Block]

		At June 30,				At December 31,
		2026				2025
		(In thousands)

Commercial		$	104,806			$	117,009
Commercial real estate			459,198				482,230
Residential real estate			6,410				7,186
Consumer installment & other			98,419				120,057
Total		$	668,833			$	726,482

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

		Allowance for Credit Losses
		For the Three Months Ended June 30, 2026
														Consumer
						Commercial				Residential				Installment
		Commercial				Real Estate				Real Estate				and Other				Total
		(In thousands)
Allowance for credit losses:
Balance at beginning of period		$	3,447			$	5,821			$	24			$	1,859			$	11,151
(Reversal) provision			(159	)			(166	)			1				324				-
Chargeoffs			(108	)			-				-				(747	)			(855	)
Recoveries			12				19				-				463				494
Total allowance for credit losses		$	3,192			$	5,674			$	25			$	1,899			$	10,790

		Allowance for Credit Losses
		For the Six Months Ended June 30, 2026
														Consumer
						Commercial				Residential				Installment
		Commercial				Real Estate				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			(840	)			(473	)			3				1,010				(300	)
Chargeoffs			(108	)			-				-				(1,538	)			(1,646	)
Recoveries			92				38				-				1,033				1,163
Total allowance for credit losses		$	3,192			$	5,674			$	25			$	1,899			$	10,790

		Allowance for Credit Losses
		For the Three Months Ended June 30, 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		$	4,411			$	6,165			$	247			$	26			$	3,065			$	13,914
Provision (reversal)			1,157				(5	)			(247	)			(2	)			(903	)			-
Chargeoffs			(28	)			-				-				-				(924	)			(952	)
Recoveries			9				14				-				-				802				825
Total allowance for credit losses		$	5,549			$	6,174			$	-			$	24			$	2,040			$	13,787

		Allowance for Credit Losses
		For the Six Months Ended June 30, 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
Provision (reversal)			1,116				304				(247	)			2				(1,725	)			(550	)
Chargeoffs			(38	)			(191	)			-				-				(2,449	)			(2,678	)
Recoveries			274				27				-				-				1,934				2,235
Total allowance for credit losses		$	5,549			$	6,174			$	-			$	24			$	2,040			$	13,787

Financing Receivable Credit Quality Indicators [Table Text Block]

		Credit Risk Profile by Internally Assigned Grade
		At June 30, 2026
		Commercial				Commercial Real Estate				Residential Real Estate				Consumer Installment and Other				Total
		(In thousands)
Grade:
Pass		$	101,268			$	448,215			$	6,213			$	96,917			$	652,613
Substandard			3,196				10,983				197				1,177				15,553
Doubtful			342				-				-				34				376
Loss			-				-				-				291				291
Total		$	104,806			$	459,198			$	6,410			$	98,419			$	668,833

		Credit Risk Profile by Internally Assigned Grade
		At December 31, 2025
		Commercial				Commercial Real Estate				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 June 30, 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		$	103,651			$	599			$	214			$	-			$	342			$	104,806
Commercial real estate			458,576				-				439				-				183				459,198
Residential real estate			6,410				-				-				-				-				6,410
Consumer installment and other			95,966				1,740				430				283				-				98,419
Total		$	664,603			$	2,339			$	1,083			$	283			$	525			$	668,833

		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
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 June 30, 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		$	20,602			$	6,265			$	5,271			$	14,937			$	27,205			$	4,472			$	78,752			$	22,516			$	101,268
Substandard			385				-				222				254				923				475				2,259				937				3,196
Doubtful			-				-				-				-				342				-				342				-				342
Loss			-				-				-				-				-				-				-				-				-
Total		$	20,987			$	6,265			$	5,493			$	15,191			$	28,470			$	4,947			$	81,353			$	23,453			$	104,806

Current gross chargeoffs on commercial loans:
For the three months ended June 30, 2026
		$	108			$	-			$	-			$	-			$	-			$	-			$	108			$	-			$	108
For the six months ended June 30, 2026
			108				-				-				-				-				-				108				-				108

		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 June 30, 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		$	220,828			$	45,319			$	40,484			$	67,328			$	55,565			$	18,691			$	448,215			$	-			$	448,215
Substandard			10,983				-				-				-				-				-				10,983				-				10,983
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	231,811			$	45,319			$	40,484			$	67,328			$	55,565			$	18,691			$	459,198			$	-			$	459,198

Current gross chargeoffs on commercial real estate loans:
For the three months ended June 30, 2026
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the six months ended June 30, 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 June 30, 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		$	6,213			$	-			$	-			$	-			$	-			$	-			$	6,213			$	-			$	6,213
Substandard			197				-				-				-				-				-				197				-				197
Doubtful			-				-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-				-
Total		$	6,410			$	-			$	-			$	-			$	-			$	-			$	6,410			$	-			$	6,410

Current gross chargeoffs on residential real estate loans:
For the three months ended June 30, 2026
		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
For the six months ended June 30, 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 June 30, 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		$	14,713			$	22,009			$	13,815			$	13,598			$	11,664			$	7,292			$	83,091			$	12,875			$	95,966
30-59 days past due			569				522				191				87				162				170				1,701				39				1,740
60-89 days past due			76				58				49				-				83				91				357				73				430
Past due 90 days or more			34				32				-				-				62				155				283				-				283
Nonaccrual			-				-				-				-				-				-				-				-				-
Total		$	15,392			$	22,621			$	14,055			$	13,685			$	11,971			$	7,708			$	85,432			$	12,987			$	98,419

Current gross chargeoffs on consumer installment and other loans:
For the three months ended June 30, 2026
		$	88			$	147			$	26			$	165			$	246			$	25			$	697			$	50			$	747
For the six months ended June 30, 2026
			154				367				173				272				369				25				1,360				178				1,538

		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