Note 3 - Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2021

Notes Tables

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

	December 31, 2021			December 31, 2020
	(In thousands)
Real Estate:
One- to four-family	$	294,965		$	309,828
Multi-family		172,409			162,467
Commercial real estate		363,299			296,574
Construction and land		224,709			123,627
Total real estate loans		1,055,382			892,496
Consumer:
Home equity		39,172			33,103
Auto and other consumer		182,769			128,233
Total consumer loans		221,941			161,336
Commercial business loans		79,838			100,201
Total loans		1,357,161			1,154,033
Less:
Net deferred loan fees		4,772			4,346
Premium on purchased loans, net		(12,995	)		(6,129	)
Allowance for loan losses		15,124			13,847
Total loans receivable, net	$	1,350,260		$	1,141,969

Schedule of Loans by Earlier of Maturity or Next Repricing Date [Table Text Block]

	December 31, 2021		December 31, 2020
	(In thousands)
Adjustable-rate loans
Due within one year	$	302,187	$	149,701
After one but within five years		258,094		231,491
After five but within ten years		54,351		83,286
After ten years		19,098		16,608
		633,730		481,086
Fixed-rate loans
Due within one year	$	31,970		54,903
After one but within five years		148,233		107,785
After five but within ten years		194,245		219,014
After ten years		348,983		291,245
		723,431		672,947
Total loans	$	1,357,161	$	1,154,033

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

	At or For the Year Ended December 31, 2021
	One- to four-family			Multi-family		Commercial real estate		Construction and land		Home equity			Auto and other consumer			Commercial business		Unallocated		Total
	(In thousands)
ALLL:
Beginning balance	$	3,469		$	1,764	$	3,420	$	1,461	$	368		$	2,642		$	429	$	294	$	13,847
(Recapture of) provision for loan losses		(291	)		52		576		1,203		(25	)		(270	)		41		64		1,350
Charge-offs		—			—		—		—		(12	)		(865	)		—		—		(877	)
Recoveries		6			—		—		8		76			714			—		—		804
Ending balance	$	3,184		$	1,816	$	3,996	$	2,672	$	407		$	2,221		$	470	$	358	$	15,124

	At December 31, 2021
	One- to four-family		Multi-family		Commercial real estate		Construction and land		Home equity		Auto and other consumer		Commercial business		Unallocated		Total
	(In thousands)
Total ALLL	$	3,184	$	1,816	$	3,996	$	2,672	$	407	$	2,221	$	470	$	358	$	15,124
General reserve		3,159		1,816		3,996		2,672		402		2,138		470		358		15,011
Specific reserve		25		—		—		—		5		83		—		—		113
Total loans	$	294,965	$	172,409	$	363,299	$	224,709	$	39,172	$	182,769	$	79,838	$	—	$	1,357,161
General reserves (1)		292,708		172,409		363,228		224,687		38,839		182,257		79,838		—		1,353,966
Specific reserves (2)		2,257		—		71		22		333		512		—		—		3,195

	At or For the Year Ended December 31, 2020
	One- to four-family		Multi-family		Commercial real estate		Construction and land			Home equity			Auto and other consumer			Commercial business		Unallocated		Total
	(In thousands)
ALLL:
Beginning balance	$	3,024	$	888	$	2,243	$	399		$	454		$	2,261		$	208	$	151	$	9,628
Provision for (recapture of) loan losses		387		876		1,177		1,062			(99	)		1,279			221		143		5,046
Charge-offs		—		—		—		(5	)		—			(992	)		—		—		(997	)
Recoveries		58		—		—		5			13			94			—		—		170
Ending balance	$	3,469	$	1,764	$	3,420	$	1,461		$	368		$	2,642		$	429	$	294	$	13,847

	At December 31, 2020
	One- to four-family		Multi-family		Commercial real estate		Construction and land		Home equity		Auto and other consumer		Commercial business		Unallocated		Total
	(In thousands)
Total ALLL	$	3,469	$	1,764	$	3,420	$	1,461	$	368	$	2,642	$	429	$	294	$	13,847
General reserve		3,433		1,764		3,419		1,461		364		2,366		429		294		13,530
Specific reserve		36		—		1		—		4		276		—		—		317
Total loans	$	309,828	$	162,467	$	296,574	$	123,627	$	33,103	$	128,233	$	100,201	$	—	$	1,154,033
General reserves (1)		306,862		162,183		295,296		123,601		32,968		127,411		100,201		—		1,148,522
Specific reserves (2)		2,966		284		1,278		26		135		822		—		—		5,511

Impaired Financing Receivables [Table Text Block]

							Year Ended
	December 31, 2021						December 31, 2021
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(In thousands)
With no allowance recorded:
One- to four-family	$	212	$	247	$	—	$	219	$	12
Multi-family		—		—		—		94		—
Commercial real estate		71		177		—		1,016		—
Construction and land		—		24		—		—		—
Home equity		26		59		—		32		1
Auto and other consumer		—		77		—		29		7
Commercial business		—		—		—		—		—
Total		309		584		—		1,390		20
With an allowance recorded:
One- to four-family		2,045		2,245		25		2,281		138
Multi-family		—		—		—		—		—
Commercial real estate		—		—		—		121		—
Construction and land		22		22		—		24		1
Home equity		307		329		5		155		9
Auto and other consumer		512		512		83		653		13
Commercial business		—		—		—		—		—
Total		2,886		3,108		113		3,234		161
Total impaired loans:
One- to four-family		2,257		2,492		25		2,500		150
Multi-family		—		—		—		94		—
Commercial real estate		71		177		—		1,137		—
Construction and land		22		46		—		24		1
Home equity		333		388		5		187		10
Auto and other consumer		512		589		83		682		20
Commercial business		—		—		—		—		—
Total	$	3,195	$	3,692	$	113	$	4,624	$	181

							Year Ended
	December 31, 2020						December 31, 2020
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(In thousands)
With no allowance recorded:
One- to four-family	$	227	$	257	$	—	$	168	$	13
Commercial real estate		1,216		1,308		—		1,213		33
Construction and land		—		29		—		9		—
Home equity		37		94		—		41		1
Auto and other consumer		—		224		—		—		13
Commercial business		—		—		—		68		—
Total		1,764		2,196		—		1,718		60
With an allowance recorded:
One- to four-family		2,739		2,941		36		3,197		177
Multi-family		—		—		—		119		—
Commercial real estate		62		62		1		301		3
Construction and land		26		26		—		27		3
Home equity		98		157		4		186		9
Auto and other consumer		822		953		276		721		33
Commercial business		—		—		—		109		—
Total		3,747		4,139		317		4,660		225
Total impaired loans:
One- to four-family		2,966		3,198		36		3,365		190
Multi-family		284		284		—		338		—
Commercial real estate		1,278		1,370		1		1,514		36
Construction and land		26		55		—		36		3
Home equity		135		251		4		227		10
Auto and other consumer		822		1,177		276		721		46
Commercial business		—		—		—		177		—
Total	$	5,511	$	6,335	$	317	$	6,378	$	285

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2021		December 31, 2020
	(In thousands)
One- to four-family	$	494	$	912
Multi-family		—		284
Commercial real estate		71		157
Construction and land		22		26
Home equity		282		73
Auto and other consumer		512		821
Total nonaccrual loans	$	1,381	$	2,273

Financing Receivable, Past Due [Table Text Block]

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans
	(In thousands)
Real Estate:
One- to four-family	$	786	$	—	$	—	$	786	$	294,179	$	294,965
Multi-family		—		—		—		—		172,409		172,409
Commercial real estate		—		—		—		—		363,299		363,299
Construction and land		293		—		—		293		224,416		224,709
Total real estate loans		1,079		—		—		1,079		1,054,303		1,055,382
Consumer:
Home equity		83		—		—		83		39,089		39,172
Auto and other consumer		469		368		99		936		181,833		182,769
Total consumer loans		552		368		99		1,019		220,922		221,941
Commercial business loans		7		—		—		7		79,831		79,838
Total loans	$	1,638	$	368	$	99	$	2,105	$	1,355,056	$	1,357,161

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans
	(In thousands)
Real Estate:
One- to four-family	$	406	$	132	$	29	$	567	$	309,261	$	309,828
Multi-family		—		—		—		—		162,467		162,467
Commercial real estate		—		—		—		—		296,574		296,574
Construction and land		56		—		26		82		123,545		123,627
Total real estate loans		462		132		55		649		891,847		892,496
Consumer:
Home equity		94		—		—		94		33,009		33,103
Auto and other consumer		815		138		137		1,090		127,143		128,233
Total consumer loans		909		138		137		1,184		160,152		161,336
Commercial business loans		—		—		—		—		100,201		100,201
Total loans	$	1,371	$	270	$	192	$	1,833	$	1,152,200	$	1,154,033

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Watch		Special Mention		Substandard		Total
	(In thousands)
Real Estate:
One- to four-family	$	291,421	$	2,727	$	53	$	764	$	294,965
Multi-family		153,704		18,705		—		—		172,409
Commercial real estate		326,444		22,850		3,057		10,948		363,299
Construction and land		215,262		295		9,130		22		224,709
Total real estate loans		986,831		44,577		12,240		11,734		1,055,382
Consumer:
Home equity		38,739		83		—		350		39,172
Auto and other consumer		181,356		835		65		513		182,769
Total consumer loans		220,095		918		65		863		221,941
Commercial business loans		79,616		222		—		—		79,838
Total loans	$	1,286,542	$	45,717	$	12,305	$	12,597	$	1,357,161

	Pass		Watch		Special Mention		Substandard		Total
	(In thousands)
Real Estate:
One- to four-family	$	303,840	$	2,487	$	1,730	$	1,771	$	309,828
Multi-family		146,536		15,647		—		284		162,467
Commercial real estate		250,970		20,759		20,690		4,155		296,574
Construction and land		114,575		8,914		74		64		123,627
Total real estate loans		815,921		47,807		22,494		6,274		892,496
Consumer:
Home equity		32,500		349		100		154		33,103
Auto and other consumer		124,115		2,034		1,216		868		128,233
Total consumer loans		156,615		2,383		1,316		1,022		161,336
Commercial business loans		92,010		7,791		168		232		100,201
Total loans	$	1,064,546	$	57,981	$	23,978	$	7,528	$	1,154,033

	Nonperforming		Performing		Total
	(In thousands)
Real Estate:
One- to four-family	$	494	$	294,471	$	294,965
Multi-family		—		172,409		172,409
Commercial real estate		71		363,228		363,299
Construction and land		22		224,687		224,709
Consumer:
Home equity		282		38,890		39,172
Auto and other consumer		512		182,257		182,769
Commercial business loans		—		79,838		79,838
Total loans	$	1,381	$	1,355,780	$	1,357,161

	Nonperforming		Performing		Total
	(In thousands)
Real Estate:
One- to four-family	$	912	$	308,916	$	309,828
Multi-family		284		162,183		162,467
Commercial real estate		157		296,417		296,574
Construction and land		26		123,601		123,627
Consumer:
Home equity		73		33,030		33,103
Auto and other consumer		821		127,412		128,233
Commercial business loans		—		100,201		100,201
Total loans	$	2,273	$	1,151,760	$	1,154,033

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	December 31, 2021		December 31, 2020
	(In thousands)
Total TDR loans	$	1,843	$	2,224
Allowance for loan losses related to TDR loans		21		26
Total nonaccrual TDR loans		29		108

	Number of Contracts		Rate Modification		Term Modification		Combination Modification		Total Modifications
			(Dollars in thousands)
TDR loans that subsequently defaulted
One- to four-family		1	$	29	$	—	$	—	$	29

	Number of Contracts		Rate Modification		Term Modification		Combination Modification		Total Modifications
			(Dollars in thousands)
Pre-modification outstanding recorded investment
One- to four-family		1	$	29	$	—	$	—	$	29
Post-modification outstanding recorded investment
One- to four-family		1	$	29	$	—	$	—	$	29

	December 31, 2021						December 31, 2020
	Accrual		Nonaccrual		Total		Accrual		Nonaccrual		Total
	(In thousands)
One- to four-family	$	1,763	$	29	$	1,792	$	2,054	$	108	$	2,162
Home equity		51		—		51		62		—		62
Total TDR loans	$	1,814	$	29	$	1,843	$	2,116	$	108	$	2,224