v3.26.1
Note 4 - Allowance for Credit Losses (Tables)
6 Months Ended
Jun. 30, 2026
Notes Tables  
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

June 30, 2026

 
  

Construction and Land Development

  

Secured by 1-4 Family Residential

  

Other Real Estate

  

Commercial and Industrial

  

Consumer and Other Loans

  

Total

 

Allowance for credit losses:

                        

Beginning Balance, December 31, 2025

 $539  $4,819  $5,952  $3,188  $221  $14,719 

Charge-offs

     (29)     (696)  (250)  (975)

Recoveries

  3   15   5   168   137   328 

Provision for (recovery of) credit losses on loans

  181   (320)  228   715   67   871 

Ending Balance, June 30, 2026

 $723  $4,485  $6,185  $3,375  $175  $14,943 

Ending Balance:

                        

Individually evaluated

           1,721      1,721 

Collectively evaluated

  723   4,485   6,185   1,654   175   13,222 

Loans:

                        

Ending Balance

 $113,289  $522,763  $720,120  $113,342  $17,884  $1,487,398 

Individually evaluated

  41   2,367      2,329      4,737 

Collectively evaluated

  113,248   520,396   720,120   111,013   17,884   1,482,661 
  

December 31, 2025

 
  

Construction and Land Development

  

Secured by 1-4 Family Residential

  

Other Real Estate

  

Commercial and Industrial

  

Consumer and Other Loans

  

Total

 

Allowance for credit losses:

                        

Beginning Balance, December 31, 2024

 $585  $4,266  $7,462  $3,927  $160  $16,400 

Charge-offs

  (22)  (59)  (7)  (4,221)  (496)  (4,805)

Recoveries

  5   31   15   168   147   366 

Provision for (recovery of) credit losses on loans

  (29)  581   (1,518)  3,314   410   2,758 

Ending Balance, December 31, 2025

 $539  $4,819  $5,952  $3,188  $221  $14,719 

Ending Balance:

                        

Individually evaluated

           1,793      1,793 

Collectively evaluated

  539   4,819   5,952   1,395   221   12,926 

Loans:

                        

Ending Balance

 $88,424  $527,283  $696,978  $117,944  $19,116  $1,449,745 

Individually evaluated

  45   1,994      2,615      4,654 

Collectively evaluated

  88,379   525,289   696,978   115,329   19,116   1,445,091 
  

June 30, 2025

 
  

Construction and Land Development

  

Secured by 1-4 Family Residential

  

Other Real Estate

  

Commercial and Industrial

  

Consumer and Other Loans

  

Total

 

Allowance for credit losses:

                        

Beginning Balance, December 31, 2024

 $585  $4,266  $7,462  $3,927  $160  $16,400 

Charge-offs

  (22)  (44)  (7)  (2,663)  (289)  (3,025)

Recoveries

  1   20   3   74   78   176 

Provision for (recovery of) credit losses on loans

  (68)  920   (1,611)  2,102   292   1,635 

Ending Balance, June 30, 2025

 $496  $5,162  $5,847  $3,440  $241  $15,186 

Ending Balance:

                        

Individually evaluated

           2,240      2,240 

Collectively evaluated

  496   5,162   5,847   1,200   241   12,946 

Loans:

                        

Ending Balance

 $78,169  $544,162  $680,063  $120,700  $19,928  $1,443,022 

Individually evaluated

  48   2,218   932   3,597   1   6,796 

Collectively evaluated

  78,121   541,944   679,131   117,103   19,927   1,436,226 
Financing Receivable, Nonaccrual [Table Text Block]
                         
  

June 30, 2026

  

December 31, 2025

 
  

Nonaccrual Loans with No Allowance

  

Nonaccrual loans with an Allowance

  

Total Nonaccrual Loans

  

Nonaccrual Loans with No Allowance

  

Nonaccrual loans with an Allowance

  

Total Nonaccrual Loans

 

Real estate loans:

                        

Construction and land development

 $41  $  $41  $45  $  $45 

Secured by 1-4 family residential

  2,367      2,367   1,994      1,994 

Other real estate loans

                  

Commercial and industrial

     2,329   2,329   1,031   1,584   2,615 

Consumer and other loans

                  

Total

 $2,408  $2,329  $4,737  $3,070  $1,584  $4,654 
Financing Receivable, Collateral Dependent Loans [Table Text Block]
  

June 30, 2026

  

December 31, 2025

 

(Dollars in thousands)

 

Real Estate Secured

  

Non-Real Estate Secured

  

Total Collateral-Dependent Loans

  

Real Estate Secured

  

Non-Real Estate Secured

  

Total Collateral-Dependent Loans

 

Real estate loans:

                        

Construction and land development

 $18  $  $18  $18  $  $18 

Secured by 1-4 family residential

  462      462   632      632 

Total

 $480  $  $480  $650  $  $650 
Financing Receivable, Modified [Table Text Block]
  

Payment deferral

(Dollars in thousands)

 

Amortized Cost Basis

  

% of Total Loan Type

 

Financial Effect

Commercial and industrial

 $78   0.07%

Term and amortization increased

Total

 $78   0.07% 
  

Term Extension

(Dollars in thousands)

 

Amortized Cost Basis

  

% of Total Loan Type

 

Financial Effect

Commercial and industrial

 $105   0.09%

Term and amortization increased

Total

 $105   0.09%