Note 4 - Loans (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

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

	March 31, 2025		December 31, 2024
Commercial & industrial	$	112,689		118,611
Commercial, secured by real estate:
Owner occupied		217,052		210,327
Non-owner occupied		505,518		508,531
Farmland		37,057		37,860
Multi-family		265,334		264,260
Construction		83,399		91,154
Residential real estate:
Secured by senior liens on 1-4 family dwellings		397,209		392,513
Secured by junior liens on 1-4 family dwellings		21,481		21,522
Home equity line-of-credit loans		45,494		43,064
Consumer		19,054		20,498
Agricultural		13,210		13,293
Other loans, including deposit overdrafts		133		179
Loans, gross		1,717,630		1,721,812
Less allowance for credit losses		12,124		12,001
Loans, net	$	1,705,506		1,709,811

Financing Receivable, Nonaccrual [Table Text Block]

	March 31, 2025				December 31, 2024
	Non-accrual				Non-accrual
	Loans with no		Total		Loans with no		Total
	Allowance for		Non-accrual		Allowance for		Non-accrual
	Credit Losses		Loans		Credit Losses		Loans
Commercial & industrial	$	—		1,379		—		1,375
Commercial, secured by real estate:
Owner occupied		—		—		—		—
Non-owner occupied		—		2,687		—		2,642
Farmland		16		16		16		16
Multi-family		—		—		—		—
Construction		—		—		—		—
Residential real estate:
Secured by senior liens on 1-4 family dwellings		71		601		73		467
Secured by junior liens on 1-4 family dwellings		—		—		—		—
Home equity line-of-credit loans		—		—		—		—
Consumer		27		27		28		28
Agricultural		—		—		—		—
Total	$	114		4,710		117		4,528

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

				Commercial,
	Commercial			Secured by			Residential
	& Industrial			Real Estate			Real Estate			Consumer			Agricultural			Other			Total
Three Months Ended March 31, 2025
Balance, beginning of period	$	1,573			6,537			3,634			220			24			13			12,001
Provision for (recovery of) credit losses		(266	)		293			91			1			(4	)		47			162
Losses charged off		—			—			—			—			—			(53	)		(53	)
Recoveries		—			—			4			—			—			10			14
Balance, end of period	$	1,307			6,830			3,729			221			20			17			12,124
Ratio of net charge-offs to average loans		—	%		—	%		(0.00	)%		—	%		—	%		111.79	%		0.01	%

				Commercial,
	Commercial			Secured by			Residential
	& Industrial			Real Estate			Real Estate			Consumer			Agricultural			Other			Total
Three Months Ended March 31, 2024
Balance, beginning of period	$	1,039			5,414			3,816			238			18			—			10,525
Provision for (recovery of) credit losses		(72	)		1,072			(964	)		(11	)		—			52			77
Losses charged off		—			—			—			(3	)		—			(75	)		(78	)
Recoveries		—			—			—			8			—			25			33
Balance, end of period	$	967			6,486			2,852			232			18			2			10,557
Ratio of net charge-offs to average loans		—	%		—	%		—	%		(0.08	)%		—	%		259.48	%		0.01	%

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

	March 31, 2025				December 31, 2024
	Amortized		Related		Amortized		Related
	Cost Basis		Allowance		Cost Basis		Allowance
Commercial & industrial	$	—		—		—		—
Commercial, secured by real estate:
Owner occupied		44		—		48		—
Non-owner occupied		2,687		1,269		2,642		1,201
Farmland		16		—		16		—
Multi-family		—		—		—		—
Construction		—		—		—		—
Residential real estate:
Secured by senior liens on 1-4 family dwellings		709		63		527		50
Secured by junior liens on 1-4 family dwellings		—		—		—		—
Home equity line-of-credit loans		76		—		75		—
Consumer		—		—		—		—
Agricultural		—		—		—		—
Other loans, including deposit overdrafts		—		—		—		—
Total	$	3,532		1,332		3,308		1,251

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans by Origination Year
													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
	2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
March 31, 2025
Commercial & industrial
Pass	$	1,200		15,993		10,807		27,525		22,144		11,597		16,467		—		105,733
OAEM		102		—		79		1,216		—		1,304		499		—		3,200
Substandard		83		—		—		1,789		—		—		428		77		2,377
Doubtful		—		1,379		—		—		—		—		—		—		1,379
Total		1,385		17,372		10,886		30,530		22,144		12,901		17,394		77		112,689
Gross charge-offs (1)		—		—		—		—		—		—		—		—		—
Commercial, secured by real estate
Pass		3,703		50,179		114,807		199,409		155,357		420,652		138,600		—		1,082,707
OAEM		—		—		—		3,716		4,359		7,009		—		—		15,084
Substandard		—		—		—		7,329		—		3,065		—		175		10,569
Doubtful		—		—		—		—		—		—		—		—		—
Total		3,703		50,179		114,807		210,454		159,716		430,726		138,600		175		1,108,360
Gross charge-offs (1)		—		—		—		—		—		—		—		—		—
Residential real estate
Pass		6,877		33,644		58,878		80,225		85,001		150,593		43,740		—		458,958
OAEM		—		—		—		—		198		1,211		—		—		1,409
Substandard		—		—		530		—		287		3,000		—		—		3,817
Doubtful		—		—		—		—		—		—		—		—		—
Total		6,877		33,644		59,408		80,225		85,486		154,804		43,740		—		464,184
Gross charge-offs (1)		—		—		—		—		—		—		—		—		—
Consumer
Pass		1,588		5,624		4,461		3,153		2,341		1,780		59		—		19,006
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		38		—		10		—		—		48
Doubtful		—		—		—		—		—		—		—		—		—
Total		1,588		5,624		4,461		3,191		2,341		1,790		59		—		19,054
Gross charge-offs (1)		—		—		—		—		—		—		—		—		—
Agricultural
Pass		51		283		1,354		342		146		297		10,737		—		13,210
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		51		283		1,354		342		146		297		10,737		—		13,210
Gross charge-offs (1)		—		—		—		—		—		—		—		—		—
Other
Pass		—		—		—		—		—		—		133		—		133
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		—		—		—		—		—		—		133		—		133
Gross charge-offs (1)		—		—		—		—		—		—		53		—		53
Total loans	$	13,604		107,102		190,916		324,742		269,833		600,518		210,663		252		1,717,630

	Term Loans by Origination Year
													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
	2024		2023		2022		2021		2020		Prior		Cost Basis		to Term		Total
December 31, 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 (2)		—		—		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 (2)		—		—		—		—		—		—		—		—		—
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 (2)		—		—		—		—		—		—		—		—		—
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 (2)		—		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 (2)		—		—		—		—		57		—		—		—		57
Other
Pass		—		—		—		—		—		—		179		—		179
OAEM		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total		—		—		—		—		—		—		179		—		179
Gross charge-offs (2)		—		—		—		—		—		—		193		—		193
Total loans	$	103,420		190,757		307,234		275,765		163,241		458,020		223,375		—		1,721,812

Financing Receivable, Past Due [Table Text Block]

													90 Days
					90 Days								or More
	30-59 Days		60-89 Days		or More		Total				Total Loans		Past Due
	Past Due		Past Due		Past Due		Past Due		Current		Receivable		and Accruing
March 31, 2025
Commercial & industrial	$	114		—		—		114		112,575		112,689		—
Commercial, secured by real estate:		—		—		—				—				—
Owner occupied		—		—		—		—		217,052		217,052		—
Non-owner occupied		187		—		2,687		2,874		502,644		505,518		—
Farmland		—		—		—		—		37,057		37,057		—
Multi-family		—		—		—		—		265,334		265,334		—
Construction		—		—		—		—		83,399		83,399		—
Residential real estate:		—		—		—				—				—
Secured by senior liens on 1-4 family dwellings		912		269		110		1,291		395,918		397,209		102
Secured by junior liens on 1-4 family dwellings		—		—		—		—		21,481		21,481		—
Home equity line-of-credit loans		49		10		76		135		45,359		45,494		76
Consumer		41		3		30		74		18,980		19,054		3
Agricultural		—		—		—		—		13,210		13,210		—
Other		133		—		—		133		—		133		—
Total	$	1,436		282		2,903		4,621		1,713,009		1,717,630		181
December 31, 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		—
Farms		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

Financing Receivable, Modified [Table Text Block]

	Interest Rate Reduction		Extended Maturity		Principal Forgiveness		Payment Delay		Combination - Interest Rate Reduction and Extended Maturity		Combination - Interest Rate Reduction and Payment Delay		Total Modifications		Percent of Total Class
Three Months Ended March 31, 2025
Commercial & industrial	$	—		77		—		—		999		—		1,076		0.95	%
Commercial, secured by real estate, owner occupied		—		494		—		—		—		—		494		0.23	%
Total	$	—		571		—		—		999		—		1,570
Three Months Ended March 31, 2024
Commercial & industrial	$	—		1,793		—		—		—		—		1,793		1.47	%
Residential real estate, secured by senior liens on 1-4 family dwellings		—		—		—		—		—		25		25		0.01	%
Total	$	—		1,793		—		—		—		25		1,818