Note 4 - Allowance for Credit Losses on Loans (Tables)

9 Months Ended

Sep. 30, 2024

Notes Tables

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

	At or For the Three Months Ended September 30, 2024
	Beginning Balance		Charge-offs			Recoveries		(Recapture of) Provision for Credit Losses			Ending Balance
	(In thousands)
One-to-four family	$	4,536	$	—		$	42	$	(270	)	$	4,308
Multi-family		1,624		—			—		965			2,589
Commercial real estate		3,132		—			—		(495	)		2,637
Construction and land		801		—			—		(85	)		716
Home equity		1,692		—			—		(446	)		1,246
Auto and other consumer		2,596		(492	)		24		805			2,933
Commercial business		4,962		(24	)		—		2,603			7,541
Total	$	19,343	$	(516	)	$	66	$	3,077		$	21,970

	At or For the Nine Months Ended September 30, 2024
	Beginning Balance		Charge-offs			Recoveries		Provision for (Recapture of) Credit Losses			Ending Balance
	(In thousands)
One-to-four family	$	2,975	$	—		$	44	$	1,289		$	4,308
Multi-family		1,154		—			—		1,435			2,589
Commercial real estate		3,671		—			—		(1,034	)		2,637
Construction and land		1,889		(3,978	)		—		2,805			716
Home equity		1,077		—			—		169			1,246
Auto and other consumer		4,409		(2,130	)		268		386			2,933
Commercial business		2,335		(2,700	)		—		7,906			7,541
Total	$	17,510	$	(8,808	)	$	312	$	12,956		$	21,970

	At or For the Three Months Ended September 30, 2023
	Beginning Balance		Charge-offs			Recoveries			Provision for (Recapture of) Credit Losses			Ending Balance
	(In thousands)
One-to-four family	$	3,012	$	—		$	—		$	526		$	3,538
Multi-family		1,041		—			—			230			1,271
Commercial real estate		2,924		—			—			(390	)		2,534
Construction and land		2,535		—			—			(352	)		2,183
Home equity		1,125		—			—			178			1,303
Auto and other consumer		4,795		(731	)		(501	)		601			4,164
Commercial business		1,865		—			—			87			1,952
Total	$	17,297	$	(731	)	$	(501	)	$	880		$	16,945

	At or For the Nine Months Ended September 30, 2023
	Beginning Balance		Impact of Day 1 CECL Adoption			Adjusted Beginning Balance		Charge-offs			Recoveries		Provision for (Recapture of) Credit Losses			Ending Balance
	(In thousands)
One-to-four family	$	3,343	$	(429	)	$	2,914	$	—		$	4	$	620		$	3,538
Multi-family		2,468		(1,449	)		1,019		—			—		252			1,271
Commercial real estate		4,217		(604	)		3,613		—			—		(1,079	)		2,534
Construction and land		2,344		1,555			3,899		—			—		(1,716	)		2,183
Home equity		549		346			895		(11	)		5		414			1,303
Auto and other consumer		2,024		2,381			4,405		(2,657	)		84		2,332			4,164
Commercial business		786		794			1,580		—			—		372			1,952
Unallocated		385		(385	)		—		—			—		—			—
Total	$	16,116	$	2,209		$	18,325	$	(2,668	)	$	93	$	1,195		$	16,945