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,				December 31,
(Dollars in Thousands)		2026				2025

Real estate:
Commercial		$	441,266			$	432,726
Construction/Land development			31,576				36,352
Residential			118,803				118,924
Commercial and industrial			50,146				49,869
Consumer			110				469
Total Loans			641,901				638,340
Less: Allowance for credit losses			4,518				4,361
Deferred origination fees, net of costs			834				835
		$	636,549			$	633,144

Financing Receivable, Past Due [Table Text Block]

										90 Days																Past Due 90
(Dollars in thousands)		30 - 59 Days				60 - 89 Days				or More				Total								Total				Days or More
June 30, 2026		Past Due				Past Due				Past Due				Past Due				Current				Loans				and Accruing

Real estate:
Commercial		$	-			$	-			$	-				-			$	441,266			$	441,266			$	-
Construction and land development			324				-				-				324				31,252				31,576				-
Residential			145				-				-				145				118,658				118,803				-
Commercial and industrial			72				-				-				72				50,074				50,146				-
Consumer			-				-				-				-				110				110				-
Total		$	541			$	-			$	-			$	541			$	641,360			$	641,901			$	-

December 31, 2025
Real estate:
Commercial		$	-			$	-			$	-			$	-			$	432,726			$	432,726			$	-
Construction and land development			-				-				-				-				36,352				36,352				-
Residential			151				-				-				151				118,773				118,924				-
Commercial and industrial			-				50				-				50				49,819				49,869				-
Consumer			-				-				-				-				469				469				-
Total		$	151			$	50			$	-			$	201			$	638,139			$	638,340			$	-

Financing Receivable, Modified [Table Text Block]

		June 30, 2026								June 30, 2025
						Total Class								Total Class
		Term				of Financing				Term				of Financing
(Dollars in thousands)		Extension				Receivable				Extension				Receivable

Commercial real estate		$	-				0.00	%		$	4,399				1.06	%

Total		$	-				0.00	%		$	4,399				0.71	%

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination
		As of and for the six months ended June 30, 2026
(dollars in thousands)																										Revolving
		2026				2025				2024				2023				2022				Prior				Loans				Total
Commercial Real Estate

Pass		$	58,699			$	59,796			$	45,756			$	20,075			$	58,097			$	165,866			$	6,272			$	414,561
Special Mention			93				2,164				12,576				-				5,775				1,193				-				21,801
Substandard			-				328				-				-				-				4,576				-				4,904
Doubtful			-				-				-				-				-				-				-				-
Total		$	58,792			$	62,288			$	58,332			$	20,075			$	63,872			$	171,635			$	6,272			$	441,266
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Construction and Land Development

Pass		$	2,959			$	7,941			$	11,300			$	75			$	2,638			$	3,017			$	695			$	28,625
Special Mention			-				-				-				1,280				-				1,347				-				2,627
Substandard			-				-				324				-				-				-				-				324
Doubtful			-				-				-				-				-				-				-				-
Total		$	2,959			$	7,941			$	11,624			$	1,355			$	2,638			$	4,364			$	695			$	31,576
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Residential Real Estate

Pass		$	13,465			$	21,346			$	10,199			$	9,520			$	16,248			$	34,980			$	11,794			$	117,552
Special Mention			-				-				-				-				-				-				16				16
Substandard			1,235				-				-				-				-				-				-				1,235
Doubtful			-				-				-				-				-				-				-				-
Total		$	14,700			$	21,346			$	10,199			$	9,520			$	16,248			$	34,980			$	11,810			$	118,803
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial and Industrial

Pass		$	4,450			$	6,100			$	7,972			$	2,644			$	3,182			$	2,290			$	12,424			$	39,062
Special Mention			68				1,009				90				212				200				-				9,149				10,728
Substandard			-				6				-				-				-				-				350				356
Doubtful			-				-				-				-				-				-				-				-
Total		$	4,518			$	7,115			$	8,062			$	2,856			$	3,382			$	2,290			$	21,923			$	50,146
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Consumer

Pass		$	15			$	19			$	46			$	28			$	-			$	2			$	-			$	110
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	15			$	19			$	46			$	28			$	-			$	2			$	-			$	110
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Aggregate total

Pass		$	79,588			$	95,202			$	75,273			$	32,342			$	80,165			$	206,155			$	31,185			$	599,910
Special Mention			161				3,173				12,666				1,492				5,975				2,540				9,165				35,172
Substandard			1,235				334				324				-				-				4,576				350				6,819
Doubtful			-				-				-				-				-				-				-				-
Total		$	80,984				98,709				88,263				33,834				86,140				213,271				40,700				641,901
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

		Term Loans Amortized Cost Basis by Origination
		As of and for the year ended December 31, 2025
(dollars in thousands)																										Revolving
		2025				2024				2023				2022				2021				Prior				Loans				Total
Commercial Real Estate

Pass		$	79,675			$	46,355			$	26,415			$	59,035			$	49,841			$	138,474			$	5,601			$	405,396
Special Mention			2,188				12,707				-				5,869				-				1,219				400				22,383
Substandard			337				-				-				-				-				4,610				-				4,947
Doubtful			-				-				-				-				-				-				-				-
Total		$	82,200			$	59,062			$	26,415			$	64,904			$	49,841			$	144,303			$	6,001			$	432,726
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	647			$	-			$	647

Construction and Land Development

Pass		$	10,750			$	14,282			$	2,495			$	3,339			$	144			$	4,689			$	653			$	36,352
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	10,750			$	14,282			$	2,495			$	3,339			$	144			$	4,689			$	653			$	36,352
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Residential Real Estate

Pass		$	22,160			$	10,190			$	10,011			$	16,757			$	5,606			$	40,735			$	12,179			$	117,638
Special Mention			-				-				-				-				-				-				-				-
Substandard			1,262				-				-				-				-				5				19				1,286
Doubtful			-				-				-				-				-				-				-				-
Total		$	23,422			$	10,190			$	10,011			$	16,757			$	5,606			$	40,740			$	12,198			$	118,924
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Commercial and Industrial

Pass		$	5,332			$	9,963			$	3,067			$	3,643			$	1,950			$	651			$	14,119			$	38,725
Special Mention			1,009				104				173				303				-				-				9,148				10,737
Substandard			7				-				-				-				-				-				400				407
Doubtful			-				-				-				-				-				-				-				-
Total		$	6,348			$	10,067			$	3,240			$	3,946			$	1,950			$	651			$	23,667			$	49,869
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Consumer

Pass		$	377			$	54			$	36			$	-			$	-			$	2			$	-			$	469
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Total		$	377			$	54			$	36			$	-			$	-			$	2			$	-			$	469
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

Aggregate total

Pass		$	118,294				80,844				42,024				82,774				57,541				184,551				32,552				598,580
Special Mention			3,197				12,811				173				6,172				-				1,219				9,548				33,120
Substandard			1,606				-				-				-				-				4,615				419				6,640
Doubtful			-				-				-				-				-				-				-				-
Total		$	123,097				93,655				42,197				88,946				57,541				190,385				42,519				638,340
Charge-offs		$	-			$	-			$	-			$	-			$	-			$	647			$	-			$	647

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

																						Allowance for credit losses ending								Outstanding loan balances
						Provision for																by evaluation method								evaluated:
(Dollars in thousands)		Beginning				(recovery of)				Charge								Ending
June 30, 2026		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,384			$	-			$	-			$	50			$	2,434			$	-			$	2,434			$	-			$	441,266
Construction and land development			520				-				-				-				520				-				520				-				31,576
Residential			644				-				-				10				654				-				654				-				118,803
Commercial and industrial			762				-				-				-				762				-				762				-				50,146
Consumer			1				-				-				-				1				-				1				-				110
Unallocated			50				97				-				-				147				-				147				-				-
		$	4,361			$	97			$	-			$	60			$	4,518			$	-			$	4,518			$	-			$	641,901

																						Allowance for credit losses ending								Outstanding loan balances
						Provision for																by evaluation method								evaluated:
(Dollars in thousands)		Beginning				(recovery of)				Charge								Ending
June 30, 2025		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,481			$	821			$	(356	)		$	-			$	2,946			$	300			$	2,130			$	307			$	415,625
Construction and land development			478				(18	)			-				-				460				-				460				-				31,032
Residential			751				(547	)			-				15				219				-				735				270				115,456
Commercial and industrial			513				95				-				-				608				-				608				-				56,975
Consumer			4				(4	)			-				-				-				-				-				-				544
Unallocated			33				(33	)			-				-				-				-				-				-				-
		$	4,260			$	314			$	(356	)		$	15			$	4,233			$	300			$	3,933			$	577			$	619,632

																						Allowance for credit losses ending								Outstanding loan balances
(Dollars in thousands)						Provision for																by evaluation method								evaluated:
As of and for the year ended		Beginning				(recovery of)				Charge								Ending
December 31, 2025		balance				credit losses				offs				Recoveries				balance				Individually				Collectively				Individually				Collectively

Real estate:
Commercial		$	2,481			$	550			$	(647	)		$	-			$	2,384			$	-			$	2,384			$	-			$	432,726
Construction and land development			478				42				-				-				520				-				520				-				36,352
Residential			751				(130	)			-				23				644				-				644				-				118,924
Commercial			513				249				-				-				762				-				762				-				49,869
Consumer			4				(3	)			-				-				1				-				1				-				469
Unallocated			33				17				-				-				50				-				50				-				-
		$	4,260			$	725			$	(647	)		$	23			$	4,361			$	-			$	4,361			$	-			$	638,340

Amortizable Yield Premium on Purchased Loans [Table Text Block]

(Dollars in thousands)
Balance at December 31, 2025		$	140
Accretion			(39	)
Balance at June 30, 2026		$	101

		Three Months				Three Months				Six Months				Six Months
		Ended				Ended				Ended				Ended
(dollars in thousands)		June 30, 2026				June 30, 2025				June 30, 2026				June 30, 2025


Beginning balance		$	95			$	227			$	194			$	240
Provision for (recovery of) credit losses			18				(54	)			(81	)			(67	)

Ending balance		$	113			$	173			$	113			$	173

Components of Allowance for Credit Losses [Table Text Block]

		Three Months Ended June 30, 2026
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	88			$	4,458			$	95			$	4,641
Provision for (recovery of) credit losses			(25	)			7				18				-
Charge-offs			-				-				-				-
Recoveries			-				53				-				53
Ending balance		$	63			$	4,518			$	113			$	4,694

		Three Months Ended June 30, 2025
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	63			$	4,304			$	227			$	4,594
Provision for (recovery of) credit losses			18				274				(54	)			238
Charge-offs			-				(356	)			-				(356	)
Recoveries			-				11				-				11
Ending balance		$	81			$	4,233			$	173			$	4,487

		Six Months Ended June 30, 2026
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	79			$	4,361			$	194			$	4,634
Provision for (recovery of) credit losses			(16	)			97				(81	)			-
Charge-offs			-				-				-				-
Recoveries			-				60				-				60
Ending balance		$	63			$	4,518			$	113			$	4,694

		Six Months Ended June 30, 2025
(Dollars in thousands)		Held to maturity securities				Loans				Unfunded loan commitments				Total

Beginning balance		$	60			$	4,260			$	240			$	4,560
Provision for (recovery of) credit losses			21				314				(67	)			268
Charge-offs			-				(356	)			-				(356	)
Recoveries			-				15				-				15
Ending balance		$	81			$	4,233			$	173			$	4,487