Note 3 - Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2026

Notes Tables

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

		*June 30, 2026*				*December 31, 2025*
		(In Thousands)
Mortgage loans:
Residential real estate:
One- to four-family		$	460,495			$	486,072
Multi-family			781,860				758,409
Home equity			12,939				13,213
Construction and land			67,944				56,340
Commercial real estate			324,373				327,346
Consumer			680				801
Commercial loans			35,590				33,371
Total		$	1,683,881			$	1,675,552

Financing Receivable, Past Due [Table Text Block]

		*As of June 30, 2026*
		*1-59 Days Past Due (1)*				*60-89 Days Past Due (2)*				*90 Days or Greater*				*Total Past Due*				*Current (3)*				*Total Loans*
		(In Thousands)
Mortgage loans:
Residential real estate:
One- to four-family		$	4,077			$	1,030			$	4,059			$	9,166			$	451,329			$	460,495
Multi-family			454				-				239				693				781,167				781,860
Home equity			20				-				-				20				12,919				12,939
Construction and land			-				-				-				-				67,944				67,944
Commercial real estate			217				452				-				669				323,704				324,373
Consumer			-				-				-				-				680				680
Commercial loans			75				-				-				75				35,515				35,590
Total		$	4,843			$	1,482			$	4,298			$	10,623			$	1,673,258			$	1,683,881

		*As of December 31, 2025*
		*1-59 Days Past Due (1)*				*60-89 Days Past Due (2)*				*90 Days or Greater*				*Total Past Due*				*Current (3)*				*Total Loans*
		(In Thousands)
Mortgage loans:
Residential real estate:
One- to four-family		$	6,072			$	2,327			$	4,832			$	13,231			$	472,841			$	486,072
Multi-family			240				-				-				240				758,169				758,409
Home equity			706				-				-				706				12,507				13,213
Construction and land			-				-				-				-				56,340				56,340
Commercial real estate			230				-				-				230				327,116				327,346
Consumer			-				-				-				-				801				801
Commercial loans			-				-				-				-				33,371				33,371
Total		$	7,248			$	2,327			$	4,832			$	14,407			$	1,661,145			$	1,675,552

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

		*One- to Four-Family*				*Multi-Family*				*Home Equity*				*Land and Construction*				*Commercial Real Estate*				*Consumer*				*Commercial*				*Total*
		(In Thousands)
Six months ended June 30, 2026
Balance at beginning of period		$	4,916			$	6,948			$	201			$	932			$	4,114			$	77			$	290			$	17,478
Provision (credit) for credit losses - loans			(517	)			726				(58	)			121				100				2				5				379
Charge-offs			-				-				-				-				-				(15	)			-				(15	)
Recoveries			36				3				-				2				-				1				-				42
Balance at end of period		$	4,435			$	7,677			$	143			$	1,055			$	4,214			$	65			$	295			$	17,884

Six months ended June 30, 2025
Balance at beginning of period		$	5,286			$	7,079			$	212			$	1,205			$	3,920			$	79			$	466			$	18,247
Provision (credit) for credit losses - loans			(213	)			(424	)			(15	)			(26	)			267				15				(73	)			(469	)
Charge-offs			-				-				-				-				-				(25	)			-				(25	)
Recoveries			37				-				-				2				-				8				-				47
Balance at end of period		$	5,110			$	6,655			$	197			$	1,181			$	4,187			$	77			$	393			$	17,800

		*One to-Four- Family*				*Multi-Family*				*Home Equity*				*Construction and Land*				*Commercial Real Estate*				*Consumer*				*Commercial*				*Total*
		(In Thousands)
Three months ended June 30, 2026
Balance at beginning of period		$	4,446			$	7,599			$	163			$	1,055			$	4,078			$	69			$	299			$	17,709
Provision (credit) for credit losses - loans			(27	)			78				(20	)			(1	)			136				(3	)			(4	)			159
Charge-offs			-				-				-				-				-				(1	)			-				(1	)
Recoveries			16				-				-				1				-				-				-				17
Balance at end of period		$	4,435			$	7,677			$	143			$	1,055			$	4,214			$	65			$	295			$	17,884

Three months ended June 30, 2025
Balance at beginning of period		$	4,979			$	6,938			$	193			$	1,042			$	4,173			$	77			$	503			$	17,905
Provision (credit) for credit losses - loans			126				(283	)			4				138				14				(4	)			(110	)			(115	)
Charge-offs			-				-				-				-				-				(4	)			-				(4	)
Recoveries			5				-				-				1				-				8				-				14
Balance at end of period		$	5,110			$	6,655			$	197			$	1,181			$	4,187			$	77			$	393			$	17,800

Schedule of Allowance for Credit Losses [Table Text Block]

		*Three months ended*								*Six months ended*
		*June 30, 2026*				*June 30, 2025*				*June 30, 2026*				*June 30, 2025*
		(In Thousands)
Provision (credit) for credit losses on:
Loans		$	159			$	(115	)		$	379			$	(469	)
Unfunded commitments			77				106				121				(98	)
Investment securities			-				-				-				-
Total		$	236			$	(9	)		$	500			$	(567	)

Schedule of Collateral Dependent Loans [Table Text Block]

		*June 30, 2026*				*December 31, 2025*
		(In Thousands)
Collateral dependent loans
Residential real estate:
One- to four-family		$	4,348			$	4,282
Multi family			239				177
Home equity			-				14
Construction and land			-				-
Commercial real estate			11,152				11,282
Consumer			-				-
Commercial loans			-				-
Total loans receivable		$	15,739			$	15,755

Financing Receivable Credit Quality Indicators [Table Text Block]

		*One to Four-Family*				*Multi-Family*				*Home Equity*				*Construction and Land*				*Commercial Real Estate*				*Consumer*				*Commercial*				*Total*
		(In Thousands)
At June 30, 2026
Substandard		$	6,179			$	239			$	-			$	-			$	11,152			$	-			$	-			$	17,570
Watch			5,924				-				-				-				805				-				1,227				7,956
Pass			448,392				781,621				12,939				67,944				312,416				680				34,363				1,658,355
		$	460,495			$	781,860			$	12,939			$	67,944			$	324,373			$	680			$	35,590			$	1,683,881

At December 31, 2025
Substandard		$	5,861			$	177			$	14			$	-			$	11,282			$	-			$	-			$	17,334
Watch			9,831				-				69				-				424				-				1,437				11,761
Pass			470,380				758,232				13,130				56,340				315,640				801				31,934				1,646,457
		$	486,072			$	758,409			$	13,213			$	56,340			$	327,346			$	801			$	33,371			$	1,675,552

		*2026*				*2025*				*2024*				*2023*				*2022*				*Prior*				*Revolving*				*Total*
		(In Thousands)
One- to four-family
Pass		$	21,934			$	25,549			$	27,643			$	142,072			$	126,698			$	103,444			$	1,052			$	448,392
Watch			4,757				-				42				-				452				673				-				5,924
Substandard			2,229				1,335				-				583				443				1,589				-				6,179
Total			28,920				26,884				27,685				142,655				127,593				105,706				1,052				460,495

Multi-family
Pass			104,026				195,909				38,118				104,468				145,135				192,668				1,297			$	781,621
Watch			-				-				-				-				-				-				-				-
Substandard			239				-				-				-				-				-				-				239
Total			104,265				195,909				38,118				104,468				145,135				192,668				1,297				781,860

Home equity
Pass			35				550				265				353				1,488				195				10,053			$	12,939
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			35				550				265				353				1,488				195				10,053				12,939

Construction and land
Pass			138				27,254				40,400				-				138				14				-			$	67,944
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			138				27,254				40,400				-				138				14				-				67,944

Commercial Real Estate
Pass			52,233				53,771				54,396				35,747				39,405				74,935				1,929			$	312,416
Watch			-				578				-				227				-				-				-				805
Substandard			11,034				118				-				-				-				-				-				11,152
Total			63,267				54,467				54,396				35,974				39,405				74,935				1,929				324,373

Consumer
Pass			-				-				-				-				-				-				680			$	680
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			-				-				-				-				-				-				680				680

Commercial
Pass			1,280				3,507				233				16,114				612				1,396				11,221			$	34,363
Watch			-				-				-				-				2				-				1,225				1,227
Substandard			-				-				-				-				-				-				-				-
Total			1,280				3,507				233				16,114				614				1,396				12,446				35,590

Total Loans		$	197,905			$	308,571			$	161,097			$	299,564			$	314,373			$	374,914			$	27,457			$	1,683,881

Gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	15			$	15

		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Revolving*				*Total*
		(In Thousands)
One- to four-family
Pass		$	26,575			$	29,945			$	154,904			$	138,715			$	35,632			$	83,320			$	1,289			$	470,380
Watch			6,261				44				458				1,720				-				1,348				-				9,831
Substandard			2,373				523				1,036				540				-				1,389				-				5,861
Total			35,209				30,512				156,398				140,975				35,632				86,057				1,289				486,072

Multi-family
Pass			199,544				62,973				111,186				149,108				102,220				132,675				526			$	758,232
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				177				-				-				-				-				177
Total			199,544				62,973				111,363				149,108				102,220				132,675				526				758,409

Home equity
Pass			564				352				368				1,533				67				151				10,095			$	13,130
Watch			-				-				-				-				-				-				69				69
Substandard			-				-				-				-				14				-				-				14
Total			564				352				368				1,533				81				151				10,164				13,213

Construction and land
Pass			14,937				37,521				3,728				139				-				15				-			$	56,340
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			14,937				37,521				3,728				139				-				15				-				56,340

Commercial Real Estate
Pass			63,935				56,767				61,258				41,542				53,097				34,788				4,253			$	315,640
Watch			194				-				230				-				-				-				-				424
Substandard			11,282				-				-				-				-				-				-				11,282
Total			75,411				56,767				61,488				41,542				53,097				34,788				4,253				327,346

Consumer
Pass			-				-				-				-				-				-				801			$	801
Watch			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total			-				-				-				-				-				-				801				801

Commercial
Pass			3,972				533				16,407				785				322				1,300				8,615			$	31,934
Watch			-				-				-				11				-				-				1,426				1,437
Substandard			-				-				-				-				-				-				-				-
Total			3,972				533				16,407				796				322				1,300				10,041				33,371

Total Loans		$	329,637			$	188,658			$	349,752			$	334,093			$	191,352			$	254,986			$	27,074			$	1,675,552

Financing Receivable, Modified [Table Text Block]

		*As of June 30, 2026*
		*Accruing*								*Non-accruing*								*Total*
		*Amount*				*Number*				*Amount*				*Number*				*Amount*				*Number*
		(Dollars in Thousands)

One- to four-family		$	-				-			$	1,613				4			$	1,613				4
Commercial Real Estate			6,706				1				-				-				6,706				1
		$	6,706				1			$	1,613				4			$	8,319				5

		*As of December 31, 2025*
		*Accruing*								*Non-accruing*								*Total*
		*Amount*				*Number*				*Amount*				*Number*				*Amount*				*Number*
		(Dollars in Thousands)

One- to four-family		$	-				-			$	962				2			$	962				2
Commercial Real Estate			6,706				1				-				-				6,706				1
		$	6,706				1			$	962				2			$	7,668				3

		*As of June 30, 2026*
		*Performing in accordance with modified terms*								*In Default*								*Total*
		*Amount*				*Number*				*Amount*				*Number*				*Amount*				*Number*
		(Dollars in Thousands)
Principal forbearance		$	8,319				5			$	-				-			$	8,319				5
		$	8,319				5			$	-				-			$	8,319				5

		*As of December 31, 2025*
		*Performing in accordance with modified terms*								*In Default*								*Total*
		*Amount*				*Number*				*Amount*				*Number*				*Amount*				*Number*
		(Dollars in Thousands)
Interest reduction		$	-				-			$	-				-			$	-				-
Principal forbearance			7,668				3				-				-				7,668				3
		$	7,668				3			$	-				-			$	7,668				3

Financing Receivable, Nonaccrual [Table Text Block]

		*June 30, 2026*				*December 31, 2025*
		(Dollars in Thousands)
Non-accrual loans:
Residential
One- to four-family		$	6,179			$	5,861
Multi-family			239				177
Home equity			-				14
Construction and land			-				-
Commercial real estate			118				123
Commercial			-				-
Consumer			-				-
Total non-accrual loans		$	6,536			$	6,175
Total non-accrual loans to total loans receivable			0.39	%			0.37	%
Total non-accrual loans to total assets			0.29	%			0.27	%