v3.26.1
Note 4 - Mortgage Servicing Rights
6 Months Ended
Jun. 30, 2026
Notes to Financial Statements  
Transfers and Servicing of Financial Assets [Text Block]

Note 4  Mortgage Servicing Rights

 

The following table presents the activity in the Company’s mortgage servicing rights:

 

  

Six months ended June 30,

 
  

2026

  

2025

 
  

(In Thousands)

 

Mortgage servicing rights at beginning of the period

 $1,030  $732 

Additions

  295   306 

Amortization

  (183)  (81)

Sales

  -   - 

Mortgage servicing rights at end of the period

  1,142   957 

Valuation allowance recorded during the period

  -   (31)

Mortgage servicing rights at end of the period, net

 $1,142  $926 

 

The unpaid principal balance of loans serviced for others was $131.9 million and $119.0 million at June 30, 2026 and December 31, 2025, respectively. These loans are not reflected in the consolidated statements of financial condition.

 

The fair value of mortgage servicing rights was $1.5 million at June 30, 2026 and $1.3 million at  December 31, 2025, respectively.

 

During the three and six months ended  June 30, 2026 and 2025, there were no sales of mortgage servicing rights.  

 

The following table shows the estimated future amortization expense for mortgage servicing rights for the periods indicated:

 

  

(In Thousands)

 

Estimate for the annual period ending December 31:

    

2026

 $208 

2027

  187 

2028

  166 

2029

  145 

2030

  125 

Thereafter

  311 

Total

 $1,142