Note 4 - Loans and Allowance for Credit Losses (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*
Loans HFI: ⁽¹⁾		*(dollars in thousands)*
Real Estate:
Single-family residential mortgages		$	1,680,635			$	1,655,382
Commercial real estate ⁽²⁾			1,277,559				1,303,019
Construction and land development			146,273				155,464
Commercial:
Commercial and industrial			151,961				140,061
SBA			49,667				55,978
Other			3,364				4,397
Total loans HFI		$	3,309,459			$	3,314,301
Allowance for loan losses			(43,660	)			(43,888	)
Total loans HFI, net		$	3,265,799			$	3,270,413

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

		*For the Three Months Ended*
		*June 30, 2026*												*March 31, 2026*												*June 30, 2025*
		*Allowance for loan losses*				*Reserve for unfunded loan commitments*				*Allowance for credit losses*				*Allowance for loan losses*				*Reserve for unfunded loan commitments*				*Allowance for credit losses*				*Allowance for loan losses*				*Reserve for unfunded loan commitments*				*Allowance for credit losses*
		*(dollars in thousands)*
Beginning balance		$	43,666			$	484			$	44,150			$	43,888			$	484			$	44,372			$	51,932			$	629			$	52,561
Provision for/(reversal of) credit losses			77				(77	)			—				(200	)			—				(200	)			2,387				—				2,387
Charge-offs			(119	)			—				(119	)			(27	)			—				(27	)			(3,339	)			—				(3,339	)
Recoveries			36				—				36				5				—				5				34				—				34
Ending balance		$	43,660			$	407			$	44,067			$	43,666			$	484			$	44,150			$	51,014			$	629			$	51,643

		*For the Six Months Ended June 30,*
		*2026*												*2025*
		*Allowance for loan losses*				*Reserve for unfunded loan commitments*				*Allowance for credit losses*				*Allowance for loan losses*				*Reserve for unfunded loan commitments*				*Allowance for credit losses*
		*(dollars in thousands)*
Beginning balance		$	43,888			$	484			$	44,372			$	47,729			$	729			$	48,458
(Reversal of)/provision for credit losses			(123	)			(77	)			(200	)			9,233				(100	)			9,133
Charge-offs			(146	)			—				(146	)			(6,066	)			—				(6,066	)
Recoveries			41				—				41				118				—				118
Ending balance		$	43,660			$	407			$	44,067			$	51,014			$	629			$	51,643

		*For the Three Months Ended June 30, 2026*
		*Single-family residential mortgages*				*Commercial real estate*				*Construction and land development*				*Commercial and industrial*				*SBA*				*Other*				*Total*
Allowance for loan losses:		*(dollars in thousands)*
Beginning balance		$	21,988			$	17,639			$	1,446			$	1,672			$	769			$	152			$	43,666
(Reversal of)/provision for credit losses			(222	)			(139	)			508				23				(80	)			(13	)			77
Charge-offs			—				—				—				(102	)			—				(17	)			(119	)
Recoveries			—				27				—				—				—				9				36
Ending balance		$	21,766			$	17,527			$	1,954			$	1,593			$	689			$	131			$	43,660

		*For the Three Months Ended March 31, 2026*
		*Single-family residential mortgages*				*Commercial real estate*				*Construction and land development*				*Commercial and industrial*				*SBA*				*Other*				*Total*
Allowance for loan losses:		*(dollars in thousands)*
Beginning balance		$	21,585			$	18,162			$	1,502			$	1,647			$	824			$	168			$	43,888
Provision for/(reversal of) credit losses			403				(523	)			(56	)			28				(53	)			1				(200	)
Charge-offs			—				—				—				(4	)			(2	)			(21	)			(27	)
Recoveries			—				—				—				1				—				4				5
Ending balance		$	21,988			$	17,639			$	1,446			$	1,672			$	769			$	152			$	43,666

		*For the Three Months Ended June 30, 2025*
		*Single-family residential mortgages*				*Commercial real estate*				*Construction and land development*				*Commercial and industrial*				*SBA*				*Other*				*Total*
Allowance for loan losses:		*(dollars in thousands)*
Beginning balance		$	7,000			$	24,200			$	18,373			$	1,400			$	701			$	258			$	51,932
Provision for/(reversal of) credit losses			971				498				748				94				91				(15	)			2,387
Charge-offs			—				(3,275	)			(15	)			(1	)			(1	)			(47	)			(3,339	)
Recoveries			—				—				—				—				—				34				34
Ending balance		$	7,971			$	21,423			$	19,106			$	1,493			$	791			$	230			$	51,014

		*For the Six Months Ended June 30, 2026*
		*Single-family residential mortgages*				*Commercial real estate*				*Construction and land development*				*Commercial and industrial*				*SBA*				*Other*				*Total*
Allowance for loan losses:		*(dollars in thousands)*
Beginning balance		$	21,585			$	18,162			$	1,502			$	1,647			$	824			$	168			$	43,888
Provision for/(reversal of) credit losses			181				(662	)			452				51				(133	)			(12	)			(123	)
Charge-offs			—				—				—				(106	)			(2	)			(38	)			(146	)
Recoveries			—				27				—				1				—				13				41
Ending balance		$	21,766			$	17,527			$	1,954			$	1,593			$	689			$	131			$	43,660

		*For the Six Months Ended June 30, 2025*
		*Single-family residential mortgages*				*Commercial real estate*				*Construction and land development*				*Commercial and industrial*				*SBA*				*Other*				*Total*
Allowance for loan losses:		*(dollars in thousands)*
Beginning balance		$	6,053			$	21,879			$	17,518			$	1,339			$	654			$	286			$	47,729
Provision for/(reversal of) credit losses			3,164				2,819				2,991				157				138				(36	)			9,233
Charge-offs			(1,246	)			(3,275	)			(1,403	)			(81	)			(1	)			(60	)			(6,066	)
Recoveries			—				—				—				78				—				40				118
Ending balance		$	7,971			$	21,423			$	19,106			$	1,493			$	791			$	230			$	51,014

Financing Receivable Credit Quality Indicators [Table Text Block]

		*Term Loan by Vintage*
June 30, 2026		*2026*				*2025*				*2024*				*2023*				*2022*				*Prior*				*Revolving*				*Revolving Converted to Term During the Period*				*Total*
Real estate:			*(dollars in thousands)*
Single-family residential mortgages
Pass		$	178,820			$	312,384			$	76,171			$	114,908			$	477,039			$	518,686			$	892			$	—			$	1,678,900
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				707				866				153				9				—				1,735
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	178,820			$	312,384			$	76,171			$	115,615			$	477,905			$	518,839			$	901			$	—			$	1,680,635
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial real estate
Pass		$	100,358			$	256,220			$	141,173			$	42,597			$	381,811			$	307,237			$	—			$	—			$	1,229,396
Special mention			—				—				719				—				5,029				8,363				—				—				14,111
Substandard			—				—				4,920				—				1,562				27,570				—				—				34,052
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	100,358			$	256,220			$	146,812			$	42,597			$	388,402			$	343,170			$	—			$	—			$	1,277,559
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Construction and land development
Pass		$	7,487			$	6,392			$	36,271			$	—			$	43,701			$	44,350			$	—			$	—			$	138,201
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				8,072				—				—				8,072
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	7,487			$	6,392			$	36,271			$	—			$	43,701			$	52,422			$	—			$	—			$	146,273
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial:
Commercial and industrial
Pass		$	38			$	12,709			$	46			$	1,012			$	843			$	3,881			$	122,545			$	—			$	141,074
Special mention			—				—				—				—				—				—				27				—				27
Substandard			3				407				3,898				2				42				4,709				1,799				—				10,860
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	41			$	13,116			$	3,944			$	1,014			$	885			$	8,590			$	124,371			$	—			$	151,961
YTD gross charge-offs		$	1			$	104			$	1			$	—			$	—			$	—			$	—			$	—			$	106
SBA
Pass		$	2,692			$	8,740			$	2,233			$	1,219			$	4,159			$	17,682			$	—			$	—			$	36,725
Special mention			—				—				—				356				5,781				—				—				—				6,137
Substandard			—				—				2,655				—				—				4,150				—				—				6,805
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	2,692			$	8,740			$	4,888			$	1,575			$	9,940			$	21,832			$	—			$	—			$	49,667
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	2			$	—			$	—			$	2
Other:
Pass		$	—			$	—			$	—			$	53			$	353			$	2,942			$	11			$	—			$	3,359
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				5				—				—				5
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	53			$	353			$	2,947			$	11			$	—			$	3,364
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	38			$	—			$	—			$	38
Total by risk rating:
Pass		$	289,395			$	596,445			$	255,894			$	159,789			$	907,906			$	894,778			$	123,448			$	—			$	3,227,655
Special mention			—				—				719				356				10,810				8,363				27				—				20,275
Substandard			3				407				11,473				709				2,470				44,659				1,808				—				61,529
Doubtful			—				—				—				—				—				—				—				—				—
Total loans		$	289,398			$	596,852			$	268,086			$	160,854			$	921,186			$	947,800			$	125,283			$	—			$	3,309,459
Total YTD gross charge-offs		$	1			$	104			$	1			$	—			$	—			$	40			$	—			$	—			$	146

		*Term Loan by Vintage*
December 31, 2025		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Revolving*				*Revolving Converted to Term During the Period*				*Total*
Real estate:			*(dollars in thousands)*
Single-family residential mortgages
Pass		$	369,196			$	98,047			$	122,104			$	501,580			$	209,318			$	351,536			$	978			$	—			$	1,652,759
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				679				1,944				—				—				—				—				2,623
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	369,196			$	98,047			$	122,783			$	503,524			$	209,318			$	351,536			$	978			$	—			$	1,655,382
YTD gross charge-offs		$	1			$	—			$	—			$	537			$	174			$	691			$	—			$	—			$	1,403
Commercial real estate
Pass		$	263,863			$	171,328			$	49,551			$	395,493			$	155,891			$	228,915			$	—			$	—			$	1,265,041
Special mention			—				—				—				4,300				668				8,281				—				—				13,249
Substandard			—				668				—				1,578				10,204				12,279				—				—				24,729
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	263,863			$	171,996			$	49,551			$	401,371			$	166,763			$	249,475			$	—			$	—			$	1,303,019
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	1,383			$	3,296			$	—			$	—			$	4,679
Construction and land development
Pass		$	4,739			$	28,059			$	—			$	42,440			$	3,845			$	45,000			$	—			$	—			$	124,083
Special mention			—				3,387				—				—				—				—				—				—				3,387
Substandard			—				—				—				—				19,465				8,529				—				—				27,994
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	4,739			$	31,446			$	—			$	42,440			$	23,310			$	53,529			$	—			$	—			$	155,464
YTD gross charge-offs		$	—			$	—			$	—			$	1,246			$	6,929			$	—			$	—			$	—			$	8,175
Commercial:
Commercial and industrial																																			—
Pass		$	13,681			$	55			$	1,041			$	892			$	2,645			$	5,839			$	99,594			$	—			$	123,747
Special mention			—				—				—				—				—				—				2,247				—				2,247
Substandard			413				6,014				5				52				—				5,423				2,160				—				14,067
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	14,094			$	6,069			$	1,046			$	944			$	2,645			$	11,262			$	104,001			$	—			$	140,061
YTD gross charge-offs		$	5			$	6			$	—			$	—			$	—			$	77			$	—			$	—			$	88
SBA
Pass		$	14,433			$	2,834			$	1,283			$	10,718			$	9,655			$	10,939			$	—			$	—			$	49,862
Special mention			—				—				354				—				—				—				—				—				354
Substandard			—				2,271				—				—				481				3,010				—				—				5,762
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	14,433			$	5,105			$	1,637			$	10,718			$	10,136			$	13,949			$	—			$	—			$	55,978
YTD gross charge-offs		$	—			$	12			$	—			$	—			$	—			$	175			$	—			$	—			$	187
Other:
Pass		$	—			$	—			$	86			$	630			$	3,583			$	86			$	12			$	—			$	4,397
Special mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	86			$	630			$	3,583			$	86			$	12			$	—			$	4,397
YTD gross charge-offs		$	—			$	—			$	—			$	—			$	175			$	5			$	—			$	—			$	180
Total by risk rating:
Pass		$	665,912			$	300,323			$	174,065			$	951,753			$	384,937			$	642,315			$	100,584			$	—			$	3,219,889
Special mention			—				3,387				354				4,300				668				8,281				2,247				—				19,237
Substandard			413				8,953				684				3,574				30,150				29,241				2,160				—				75,175
Doubtful			—				—				—				—				—				—				—				—				—
Total loans		$	666,325			$	312,663			$	175,103			$	959,627			$	415,755			$	679,837			$	104,991			$	—			$	3,314,301
Total YTD gross charge-offs		$	6			$	18			$	—			$	1,783			$	8,661			$	4,244			$	—			$	—			$	14,712

Financing Receivable, Past Due [Table Text Block]

		*Accruing Loans*
June 30, 2026		*30-59 Days*				*60-89 Days*				*90 Days or More*				Total Past Due ⁽¹⁾				*Nonaccrual Loans*				*Current*				*Total Loans HFI*
Real estate:		*(dollars in thousands)*
Single-family residential mortgages ⁽²⁾		$	4,418			$	1,609			$	—			$	6,027			$	394			$	1,674,214			$	1,680,635
Commercial real estate			750				168				—				918				8,146				1,268,495				1,277,559
Construction and land development			—				—				—				—				8,072				138,201				146,273
Commercial:
Commercial and industrial			1,919				61				—				1,980				5,113				144,868				151,961
SBA			—				17				—				17				2,029				47,621				49,667
Other			18				10				—				28				5				3,331				3,364
Total		$	7,105			$	1,865			$	—			$	8,970			$	23,759			$	3,276,730			$	3,309,459

		*Accruing Loans*
December 31, 2025		*30-59 Days*				*60-89 Days*				*90 Days or More*				Total Past Due ⁽¹⁾				*Nonaccrual Loans*				*Current*				*Total Loans HFI*
Real estate:		*(dollars in thousands)*
Single-family residential mortgages ⁽²⁾		$	5,140			$	1,321			$	—			$	6,461			$	2,143			$	1,646,778			$	1,655,382
Commercial real estate			284				204				—				488				8,158				1,294,373				1,303,019
Construction and land development			—				—				—				—				27,994				127,470				155,464
Commercial:
Commercial and industrial			1,277				—				—				1,277				5,116				133,668				140,061
SBA			—				542				—				542				1,221				54,215				55,978
Other			13				8				—				21				—				4,376				4,397
Total		$	6,714			$	2,075			$	—			$	8,789			$	44,632			$	3,260,880			$	3,314,301

Financing Receivable, Nonaccrual [Table Text Block]

		*June 30, 2026*								*December 31, 2025*
		*Nonaccrual Loans*				*Total*				*Nonaccrual Loans*				*Total*
		*with no ALL*				*Nonaccrual Loans*				*with no ALL*				*Nonaccrual Loans*
Real estate:		*(dollars in thousands)*
Single-family residential mortgages		$	394			$	394			$	2,143			$	2,143
Commercial real estate			8,146				8,146				4,801				8,158
Construction and land development			8,072				8,072				27,994				27,994
Commercial:
Commercial and industrial			5,113				5,113				5,116				5,116
SBA			2,029				2,029				1,221				1,221
Other:			5				5				—				—
Total		$	23,759			$	23,759			$	41,275			$	44,632

Schedule of Financing Receivables by Collateral Held [Table Text Block]

		June 30, 2026
		Type of Collateral
Loan Class		Residential Real Estate				Commercial Real Estate				Business Assets				Total
Real Estate:		*(dollars in thousands)*
Single-family residential mortgages		$	394			$	—			$	—			$	394
Commercial real estate			720				7,426				—				8,146
Construction and land development			—				8,072				—				8,072
Commercial:
Commercial and industrial			5,113				—				—				5,113
SBA			—				1,631				398				2,029
Other			—				—				5				5
Total loans		$	6,227			$	17,129			$	403			$	23,759

		*December 31, 2025*
		*Type of Collateral*
Loan Class		*Residential Real Estate*				*Commercial Real Estate*				*Business Assets*				*Total*
Real Estate:		*(dollars in thousands)*
Single-family residential mortgages		$	2,143			$	—			$	—			$	2,143
Commercial real estate			—				8,158				—				8,158
Construction and land development			19,465				8,529				—				27,994
Commercial:
Commercial and industrial			5,116				—				—				5,116
SBA			—				1,136				85				1,221
Total loans		$	26,724			$	17,823			$	85			$	44,632

Financing Receivable, Modified [Table Text Block]

		*Three Months Ended June 30, 2026*
		*Term Extension*				*Total Loan Modifications*
Loan Class		*Balance*				*Balance*				*% of Loan Class*
		*(dollars in thousands)*
Commercial real estate		$	664			$	664				0.05	%
Total		$	664			$	664

		*Six Months Ended June 30, 2026*
		*Term Extension*				*Payment Deferral*				*Total Loan Modifications*
		*Balance*				*Balance*				*Balance*				*% of Loan Class*
		*(dollars in thousands)*
Commercial real estate		$	664			$	—			$	664				0.05	%
SBA			—				656				656				1.32	%
Total		$	664			$	656			$	1,320

		*Three and Six Months Ended June 30, 2025*
		*Combination - Rate Reduction and Term Modification*				*Combination - Principal Reduction, Rate Reduction and Term Modification*				*Total Loan Modifications*
		*Balance*				*Balance*				*Balance*				*% of Loan Class*
		*(dollars in thousands)*
Commercial and industrial		$	4,732			$	—			$	4,732				3.42	%
Commercial real estate			—				3,717				3,717				0.29	%
Total		$	4,732			$	3,717			$	8,449

		*June 30, 2026*
Loan Class			*Current*				*30-89 Days Past Due*				*90 Days or More Past Due*				*Total*
		*(dollars in thousands)*
Commercial and industrial		$	3,900			$	—			$	—			$	3,900
SBA			930				133				—				1,063
Commercial real estate			664				—				—				664
Total		$	5,494			$	133			$	—			$	5,627

		*June 30, 2025*
Loan Class		*Current*				*30-89 Days Past Due*				*90 Days or More Past Due*				*Total*
		*(dollars in thousands)*
Construction and land development		$	—			$	—			$	35,460			$	35,460
Commercial real estate			13,884				—				—				13,884
Commercial and industrial			4,708				—				—				4,708
Total		$	18,592			$	—			$	35,460			$	54,052