Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

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

	2024		2023
Commercial and industrial	$	118,611		120,541
Commercial, secured by real estate:
Owner occupied		210,327		206,705
Non-owner occupied		508,531		501,108
Farmland		37,860		37,367
Multi-family		264,260		240,033
Construction		91,154		120,431
Residential real estate:
Secured by senior liens on 1-4 family dwellings		392,513		402,026
Secured by junior liens on 1-4 family dwellings		21,522		19,999
Home equity line-of-credit loans		43,064		38,579
Consumer		20,498		25,600
Agricultural		13,293		11,000
Other loans, including deposit overdrafts		179		82
		1,721,812		1,723,471
Less allowance for credit losses		12,001		10,525
Loans-net	$	1,709,811		1,712,946

Financing Receivable, Nonaccrual [Table Text Block]

	2024				2023
	Non-accrual Loans				Non-accrual Loans
	with no Allowance		Total		with no Allowance		Total
	for Credit Losses		Non-accrual Loans		for Credit Losses		Non-accrual Loans
Commercial and industrial	$	—		1,375		—		—
Commercial, secured by real estate
Owner occupied		—		—		—		—
Non-owner occupied		—		2,642		—		—
Farmland		16		16		51		51
Multi-family		—		—		—		—
Construction		—		—		—		—
Residential real estate
Secured by senior liens on 1-4 family dwellings		73		467		29		29
Secured by junior liens on 1-4 family dwellings		—		—		—		—
Home equity line-of-credit loans		—		—		—		—
Consumer		28		28		—		—
Agricultural		—		—		—		—
Total non-accrual loans	$	117		4,528		80		80

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

				Commercial,
	Commercial			Secured by			Residential
	& Industrial			Real Estate			Real Estate			Consumer			Agricultural			Other			Total
2024
Allowance for credit losses on loans:
Balance, beginning of year	$	1,039			5,414			3,816			238			18			—			10,525
Acquisition of Eagle Financial Bancorp, Inc. - PCD Loans		101			8			79			—			—			—			188
Provision for (recovery of) credit losses		987			869			(736	)		(44	)		62			128			1,266
Acquisition of Eagle Financial Bancorp, Inc. - provision for credit losses on non-PCD loans charged to expense		51			246			466			—			—			—			763
Losses charged off		(610	)		—			—			(43	)		(57	)		(193	)		(903	)
Recoveries		5			—			9			69			1			78			162
Balance, end of year	$	1,573			6,537			3,634			220			24			13			12,001
Individually evaluated for credit loss	$	121			1,204			53			—			—			—			1,378
Collectively evaluated for credit loss		1,452			5,333			3,581			220			24			13			10,623
Balance, end of year	$	1,573			6,537			3,634			220			24			13			12,001
Loans:
Individually evaluated for credit loss	$	1,431			3,205			499			—			—			—			5,135
Collectively evaluated for credit loss		117,180			1,108,927			456,600			20,498			13,293			179			1,716,677
Balance, end of year	$	118,611			1,112,132			457,099			20,498			13,293			179			1,721,812
Percent of loans in each category to total loans		6.9	%		64.6	%		26.5	%		1.2	%		0.8	%		0.0	%		100.0	%
Ratio of net charge-offs to average loans		0.50	%		—	%		—	%		(0.11	)%		0.45	%		54.09	%		0.04	%
2023
Allowance for credit losses on loans:
Balance, beginning of year, prior to adoption of ASC 326	$	1,300			3,609			624			86			22			5			5,646
Impact of adopting ASC 326	$	(512	)		1,440			836			446			(9	)		(5	)		2,196
Acquisition of Cincinnati Bancorp, Inc. - PCD Loans	$	—			90			403			—			—			—			493
Provision for (recovery of) credit losses		266			(176	)		689			(219	)		5			88			653
Acquisition of Cincinnati Bancorp, Inc. - provision for credit losses on non-PCD loans charged to expense		—			451			1,268			3			—			—			1,722
Losses charged off		(15	)		—			(4	)		(83	)		—			(166	)		(268	)
Recoveries		—			—			—			5			—			78			83
Balance, end of year	$	1,039			5,414			3,816			238			18			—			10,525
Individually evaluated for credit loss	$	2			12			5			—			—			—			19
Collectively evaluated for credit loss		1,037			5,402			3,811			238			18			—			10,506
Balance, end of year	$	1,039			5,414			3,816			238			18			—			10,525
Loans:
Individually evaluated for credit loss	$	107			3,293			537			—			—			—			3,937
Collectively evaluated for credit loss		120,434			1,102,351			460,067			25,600			11,000			82			1,719,534
Balance, end of year	$	120,541			1,105,644			460,604			25,600			11,000			82			1,723,471
Percent of loans in each category to total loans		7.0	%		64.2	%		26.7	%		1.5	%		0.6	%		—	%		100.0	%
Ratio of net charge-offs to average loans		0.01	%		—	%		—	%		0.28	%		—	%		117.65	%		0.01	%

				Commercial,
	Commercial			Secured by			Residential
	& Industrial			Real Estate			Real Estate			Consumer			Agricultural			Other			Total
2022
Allowance for credit losses on loans:
Balance, beginning of year	$	1,095			3,607			665			105			30			4			5,506
Provision for (recovery of) loan losses		205			69			(81	)		(12	)		(8	)		77			250
Losses charged off		—			(67	)		(5	)		(37	)		—			(157	)		(266	)
Recoveries		—			—			45			30			—			81			156
Balance, end of year	$	1,300			3,609			624			86			22			5			5,646
Individually evaluated for impairment	$	4			11			6			—			—			—			21
Collectively evaluated for impairment		1,296			3,598			618			86			22			5			5,625
Acquired credit impaired loans		—			—			—			—			—			—			—
Balance, end of year	$	1,300			3,609			624			86			22			5			5,646
Percent of loans in each category to total loans		8.6	%		66.9	%		21.8	%		2.0	%		0.7	%		—	%		100.0	%
Ratio of net charge-offs to average loans		—	%		0.01	%		(0.01	)%		0.02	%		—	%		100.00	%		0.01	%

Schedule Of Collateral Dependent Individually Analyzed Financing Receivables [Table Text Block]

	2024				2023
	Amortized		Related		Amortized		Related
	Cost Basis		Allowance		Cost Basis		Allowance
Commercial & industrial	$	—		—		—		—
Commercial, secured by real estate
Owner occupied		48		—		72		—
Non-owner occupied		2,642		1,201		—		—
Farmland		16		—		51		—
Multi-family		—		—		—		—
Construction		—		—		—		—
Residential real estate
Secured by senior liens on 1-4 family dwellings		527		50		—		—
Secured by junior liens on 1-4 family dwellings		—		—		—		—
Home equity line-of-credit loans		75		—		—		—
Consumer		—		—		—		—
Agricultural		—		—		—		—
Other loans, including deposit overdrafts		—		—		—		—
Total	$	3,308		1,251		123		—

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans by Origination Year
													Revolving Loans		Revolving Loans
	2024		2023		2022		2021		2020		Prior		Amortized Cost Basis		Converted to Term		Total
2024
Commercial & industrial
Pass	$	17,844		11,914		31,287		24,201		6,930		6,507		14,836		—		113,519
OAEM		—		—		—		—		1,416		—		—		—		1,416
Substandard		—		—		1,789		—		81		—		431		—		2,301
Doubtful		1,375		—		—		—		—		—		—		—		1,375
Total		19,219		11,914		33,076		24,201		8,427		6,507		15,267		—		118,611
Gross charge-offs		—		—		588		22		—		—		—		—		610
Commercial, secured by real estate
Pass		43,461		111,706		185,003		160,126		99,709		337,270		155,686		—		1,092,961
OAEM		—		—		3,755		1,496		175		3,640		—		—		9,066
Substandard		—		—		7,399		—		—		2,706		—		—		10,105
Doubtful		—		—		—		—		—		—		—		—		—
Total		43,461		111,706		196,157		161,622		99,884		343,616		155,686		—		1,112,132
Gross charge-offs		—		—		—		—		—		—		—		—		—
Residential real estate
Pass		33,898		60,232		73,984		86,712		52,241		104,254		41,482		—		452,803
OAEM		—		—		—		—		—		207		—		—		207
Substandard		—		394		—		289		480		2,912		14		—		4,089
Doubtful		—		—		—		—		—		—		—		—		—
Total		33,898		60,626		73,984		87,001		52,721		107,373		41,496		—		457,099
Gross charge-offs		—		—		—		—		—		—		—		—		—
Consumer
Pass		6,553		5,053		3,598		2,792		1,900		491		66		—		20,453
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		41		—		—		4		—		—		45
Doubtful		—		—		—		—		—		—		—		—		—
Total		6,553		5,053		3,639		2,792		1,900		495		66		—		20,498
Gross charge-offs		—		1		39		3		—		—		—		—		43
Agricultural
Pass		289		1,458		378		149		309		29		10,681		—		13,293
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		289		1,458		378		149		309		29		10,681		—		13,293
Gross charge-offs		—		—		—		—		57		—		—		—		57
Other
Pass		—		—		—		—		—		—		179		—		179
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		—		—		—		—		—		—		179		—		179
Gross charge-offs		—		—		—		—		—		—		193		—		193
Total loans	$	103,420		190,757		307,234		275,765		163,241		458,020		223,375		—		1,721,812

	Term Loans by Origination Year
													Revolving Loans		Revolving Loans
	2023		2022		2021		2020		2019		Prior		Amortized Cost Basis		Converted to Term		Total
2023
Commercial & industrial
Pass	$	17,169		30,518		29,587		11,426		2,732		5,641		16,919		113		114,105
OAEM		—		—		1,474		—		—		—		—		—		1,474
Substandard		—		1,813		—		105		1,592		137		1,315		—		4,962
Doubtful		—		—		—		—		—		—		—		—		—
Total		17,169		32,331		31,061		11,531		4,324		5,778		18,234		113		120,541
Gross charge-offs		—		—		—		—		—		15		—		—		15
Commercial, secured by real estate
Pass		99,055		200,735		156,865		109,810		92,895		283,564		141,354		6,056		1,090,334
OAEM		—		7,671		—		—		—		3,004		—		—		10,675
Substandard		—		—		—		—		1,648		2,987		—		—		4,635
Doubtful		—		—		—		—		—		—		—		—		—
Total		99,055		208,406		156,865		109,810		94,543		289,555		141,354		6,056		1,105,644
Gross charge-offs		—		—		—		—		—		—		—		—		—
Residential real estate
Pass		55,232		83,511		107,120		62,177		19,208		95,643		33,800		—		456,691
OAEM		—		—		—		—		—		18		—		—		18
Substandard		—		446		—		217		—		3,062		170		—		3,895
Doubtful		—		—		—		—		—		—		—		—		—
Total		55,232		83,957		107,120		62,394		19,208		98,723		33,970		—		460,604
Gross charge-offs		—		—		—		—		4		—		—		—		4
Consumer
Pass		8,087		5,820		4,868		4,671		1,382		304		460		—		25,592
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		8		—		—		—		8
Doubtful		—		—		—		—		—		—		—		—		—
Total		8,087		5,820		4,868		4,671		1,390		304		460		—		25,600
Gross charge-offs		—		—		62		21		—		—		—		—		83
Agricultural
Pass		1,883		464		197		694		46		31		7,685		—		11,000
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		1,883		464		197		694		46		31		7,685		—		11,000
Gross charge-offs		—		—		—		—		—		—		—		—		—
Other
Pass		—		—		—		—		—		—		82		—		82
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		—		—		—		—		—		—		82		—		82
Gross charge-offs		—		—		—		—		—		—		166		—		166
Total loans	$	181,426		330,978		300,111		189,100		119,511		394,391		201,785		6,169		1,723,471

Financing Receivable, Past Due [Table Text Block]

													90 Days
													or More
	30-59 Days		60-89 Days		90 Days or More		Total				Total Loans		Past Due
	Past Due		Past Due		Past Due		Past Due		Current		Receivable		and Accruing
2024
Commercial & industrial	$	666		—		—		666		117,945		118,611		—
Commercial, secured by real estate:
Owner occupied		—		—		—		—		210,327		210,327		—
Non-owner occupied		—		—		2,642		2,642		505,889		508,531		—
Farmland		460		—		—		460		37,400		37,860		—
Multi-family		—		—		—		—		264,260		264,260		—
Construction		—		—		—		—		91,154		91,154		—
Residential real estate:
Secured by senior liens on 1-4 family dwellings		1,948		249		237		2,434		390,079		392,513		57
Secured by junior liens on 1-4 family dwellings		—		8		—		8		21,514		21,522		—
Home equity line-of-credit loans		72		—		33		105		42,959		43,064		33
Consumer		10		—		28		38		20,460		20,498		—
Agricultural		—		—		—		—		13,293		13,293		—
Other		179		—		—		179		—		179		—
Total	$	3,335		257		2,940		6,532		1,715,280		1,721,812		90
2023
Commercial & industrial	$	—		—		—		—		120,541		120,541		—
Commercial, secured by real estate:
Owner occupied		—		—		72		72		206,633		206,705		72
Non-owner occupied		2,645		—		—		2,645		498,463		501,108		—
Farmland		—		—		—		—		37,367		37,367		—
Multi-family		—		—		—		—		240,033		240,033		—
Construction		—		—		—		—		120,431		120,431		—
Residential real estate:
Secured by senior liens on 1-4 family dwellings		1,020		414		29		1,463		400,563		402,026		—
Secured by junior liens on 1-4 family dwellings		27		—		—		27		19,972		19,999		—
Home equity line-of-credit loans		174		30		—		204		38,375		38,579		—
Consumer		136		—		—		136		25,464		25,600		—
Agricultural		—		—		—		—		11,000		11,000		—
Other		82		—		—		82		—		82		—
Total	$	4,084		444		101		4,629		1,718,842		1,723,471		72

Financing Receivable, Modified [Table Text Block]

									Combination -		Combination -
	Interest Rate		Extended		Principal		Payment		Extended Maturity and		Interest Rate Reduction and		Total		Percent of
	Reduction		Maturity		Forgiveness		Deferral		Payment Deferral		Payment Deferral		Modifications		Total Class
2024
Commercial & industrial		—		77		—		—		—		—		77		0.06	%
Commercial, secured by real estate, owner occupied		—		175		—		—		—		—		175		0.08	%
Residential real estate, secured by senior liens on 1-4 family dwellings		—		—		—		—		—		20		20		0.01	%
Consumer		—		—		—		—		28		—		28		0.14	%
Total	$	—		252		—		—		28		20		300