Note 3 - Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2025

Notes Tables

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

(dollars in thousands)	December 31, 2025			December 31, 2024
Real Estate:
One-to-four family	$	376,731		$	395,315
Multi-family		288,529			332,596
Commercial real estate		402,683			390,379
Construction and land		61,268			78,110
Total real estate loans		1,129,211			1,196,400
Consumer:
Home equity		85,088			79,054
Auto and other consumer		283,502			268,876
Total consumer loans		368,590			347,930
Commercial business loans		130,311			151,493
Total loans receivable		1,628,112			1,695,823
Less:
Derivative basis adjustment		(903	)		188
Allowance for credit losses on loans		16,987			20,449
Total loans receivable, net	$	1,612,028		$	1,675,186

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

(dollars in thousands)	December 31, 2025		December 31, 2024
Adjustable-rate loans
Due within one year	$	412,034	$	391,843
After one but within five years		312,494		323,885
After five but within ten years		28,341		50,004
After ten years		41		—
Total adjustable-rate loans		752,910		765,732
Fixed-rate loans
Due within one year	$	72,026	$	77,600
After one but within five years		133,589		148,388
After five but within ten years		157,870		180,519
After ten years		511,717		523,584
Total fixed-rate loans		875,202		930,091
Total loans receivable	$	1,628,112	$	1,695,823

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2025						December 31, 2024
(dollars in thousands)	Nonaccrual Loans with ACLL		Nonaccrual Loans with No ACLL		Total Nonaccrual Loans		Nonaccrual Loans with ACLL		Nonaccrual Loans with No ACLL		Total Nonaccrual Loans
One-to-four family	$	91	$	2,181	$	2,272	$	364	$	1,113	$	1,477
Commercial real estate		5		9,740		9,745		4		5,594		5,598
Construction and land		7		5,139		5,146		10		19,534		19,544
Home equity		53		—		53		55		—		55
Auto and other consumer		25		1,061		1,086		—		700		700
Commercial business loans		303		3,990		4,293		2,537		604		3,141
Total nonaccrual loans	$	484	$	22,111	$	22,595	$	2,970	$	27,545	$	30,515

Financing Receivable, Past Due [Table Text Block]

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total loans receivable
Real Estate:
One-to-four family	$	867	$	1,288	$	523	$	2,678	$	374,053	$	376,731
Multi-family		—		—		—		—		288,529		288,529
Commercial real estate		3,435		—		—		3,435		399,248		402,683
Construction and land		1		—		5,146		5,147		56,121		61,268
Total real estate loans		4,303		1,288		5,669		11,260		1,117,951		1,129,211
Consumer:
Home equity		—		—		53		53		85,035		85,088
Auto and other consumer		3,565		528		1,062		5,155		278,347		283,502
Total consumer loans		3,565		528		1,115		5,208		363,382		368,590
Commercial business loans		19		2,686		270		2,975		127,336		130,311
Total loans receivable	$	7,887	$	4,502	$	7,054	$	19,443	$	1,608,669	$	1,628,112

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total loans receivable
Real Estate:
One-to-four family	$	333	$	321	$	839	$	1,493	$	393,822	$	395,315
Multi-family		876		—		—		876		331,720		332,596
Commercial real estate		—		—		5,594		5,594		384,785		390,379
Construction and land		17		8,150		11,384		19,551		58,559		78,110
Total real estate loans		1,226		8,471		17,817		27,514		1,168,886		1,196,400
Consumer:
Home equity		53		—		—		53		79,001		79,054
Auto and other consumer		2,905		437		700		4,042		264,834		268,876
Total consumer loans		2,958		437		700		4,095		343,835		347,930
Commercial business loans		676		—		604		1,280		150,213		151,493
Total loans receivable	$	4,860	$	8,908	$	19,121	$	32,889	$	1,662,934	$	1,695,823

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans by Year of Origination (1)												Revolving		Total
(dollars in thousands)	2025		2024		2023		2022		2021		Prior		Loans		Loans
One-to-four family
Pass (Grades 1-3)	$	7,571	$	4,066	$	8,065	$	128,413	$	109,134	$	113,570	$	—	$	370,819
Watch (Grade 4)		—		387		—		292		—		2,355		—		3,034
Special Mention (Grade 5)		—		—		—		529		—		43		—		572
Substandard (Grade 6)		—		—		—		259		—		2,047		—		2,306
Total one-to-four family		7,571		4,453		8,065		129,493		109,134		118,015		—		376,731
Gross charge-offs		—		—		—		—		—		—		—		—
Multi-family
Pass (Grades 1-3)		8,081		17,738		17,820		80,638		51,091		37,775		—		213,143
Watch (Grade 4)		5,825		9,732		—		22,204		24,889		4,902		—		67,552
Special Mention (Grade 5)		4,531		—		3,303		—		—		—		—		7,834
Total multi-family		18,437		27,470		21,123		102,842		75,980		42,677		—		288,529
Gross charge-offs		—		—		—		—		—		—		—		—
Commercial Real Estate
Pass (Grades 1-3)		61,864		21,177		44,009		50,828		70,765		89,639		—		338,282
Watch (Grade 4)		3,671		7,572		—		12,118		6,204		3,120		—		32,685
Special Mention (Grade 5)		—		—		—		4,251		3,419		1,771		—		9,441
Substandard (Grade 6)		9,740		—		—		5		12,530		—		—		22,275
Total commercial real estate		75,275		28,749		44,009		67,202		92,918		94,530		—		402,683
Gross charge-offs		985		—		—		—		5,586		—		—		6,571
Construction and Land
Pass (Grades 1-3)		26,259		24,510		351		1,571		1,477		422		—		54,590
Watch (Grade 4)		—		1,532		—		—		—		—		—		1,532
Substandard (Grade 6)		—		—		5,139		—		—		7		—		5,146
Total construction and land		26,259		26,042		5,490		1,571		1,477		429		—		61,268
Gross charge-offs		—		—		1,884		—		—		—		—		1,884
Home Equity
Pass (Grades 1-3)		6,552		4,290		4,257		4,841		3,641		6,138		54,422		84,141
Watch (Grade 4)		—		117		182		132		—		23		280		734
Special Mention (Grade 5)		—		—		—		—		—		9		101		110
Substandard (Grade 6)		—		—		—		—		—		50		53		103
Total home equity		6,552		4,407		4,439		4,973		3,641		6,220		54,856		85,088
Gross charge-offs		—		—		—		—		—		—		—		—
Auto and Other Consumer
Pass (Grades 1-3)		65,818		54,755		30,871		41,590		50,744		32,830		822		277,430
Watch (Grade 4)		—		1,023		1,167		1,522		386		146		1		4,245
Special Mention (Grade 5)		79		126		393		43		24		76		—		741
Substandard (Grade 6)		—		85		640		262		—		99		—		1,086
Total auto and other consumer		65,897		55,989		33,071		43,417		51,154		33,151		823		283,502
Gross charge-offs		—		22		228		313		13		32		137		745
Commercial business
Pass (Grades 1-3)		11,921		21,923		12,145		5,452		2,889		19,955		41,274		115,559
Watch (Grade 4)		3,447		1,638		565		251		13		250		1,280		7,444
Special Mention (Grade 5)		—		1,457		99		910		211		112		130		2,919
Substandard (Grade 6)		334		96		169		3,514		276		—		—		4,389
Total commercial business		15,702		25,114		12,978		10,127		3,389		20,317		42,684		130,311
Gross charge-offs		692		434		—		2,478		2,015		686		—		6,305
Total loans
Pass (Grades 1-3)		188,066		148,459		117,518		313,333		289,741		300,329		96,518		1,453,964
Watch (Grade 4)		12,943		22,001		1,914		36,519		31,492		10,796		1,561		117,226
Special Mention (Grade 5)		4,610		1,583		3,795		5,733		3,654		2,011		231		21,617
Substandard (Grade 6)		10,074		181		5,948		4,040		12,806		2,203		53		35,305
Total loans receivable	$	215,693	$	172,224	$	129,175	$	359,625	$	337,693	$	315,339	$	98,363	$	1,628,112
Total gross charge-offs	$	1,677	$	456	$	2,112	$	2,791	$	7,614	$	718	$	137	$	15,505

	Term Loans by Year of Origination (1)												Revolving		Total
(dollars in thousands)	2024		2023		2022		2021		2020		Prior		Loans		Loans
One-to-four family
Pass (Grades 1-3)	$	1,596	$	10,315	$	130,021	$	116,245	$	64,869	$	65,927	$	—	$	388,973
Watch (Grade 4)		—		—		297		1,305		1,006		2,141		—		4,749
Special Mention (Grade 5)		—		—		—		—		—		78		—		78
Substandard (Grade 6)		—		—		273		—		840		402		—		1,515
Total one-to-four family		1,596		10,315		130,591		117,550		66,715		68,548		—		395,315
Gross charge-offs		—		—		—		—		—		—		—		—
Multi-family
Pass (Grades 1-3)		19,871		31,334		105,919		74,679		49,885		11,299		—		292,987
Watch (Grade 4)		8,755		—		1,764		23,051		1,278		976		—		35,824
Special Mention (Grade 5)		—		3,785		—		—		—		—		—		3,785
Total multi-family		28,626		35,119		107,683		97,730		51,163		12,275		—		332,596
Gross charge-offs		—		—		—		—		—		—		—		—
Commercial Real Estate
Pass (Grades 1-3)		35,011		51,514		72,064		97,421		74,182		28,762		—		358,954
Watch (Grade 4)		552		3,779		10,371		—		—		767		—		15,469
Special Mention (Grade 5)		—		—		—		—		1,255		2,702		—		3,957
Substandard (Grade 6)		—		—		4		11,995		—		—		—		11,999
Total commercial real estate		35,563		55,293		82,439		109,416		75,437		32,231		—		390,379
Gross charge-offs		—		—		—		—		—		—		—		—
Construction and Land
Pass (Grades 1-3)		20,870		15,874		13,638		1,357		504		327		—		52,570
Watch (Grade 4)		213		5,531		—		222		—		30		—		5,996
Substandard (Grade 6)		8,150		11,384		—		—		—		10		—		19,544
Total construction and land		29,233		32,789		13,638		1,579		504		367		—		78,110
Gross charge-offs		—		4,389		—		—		—		—		—		4,389
Home Equity
Pass (Grades 1-3)		5,779		5,860		5,868		4,117		2,571		4,620		49,531		78,346
Watch (Grade 4)		122		—		65		—		35		61		326		609
Substandard (Grade 6)		—		—		—		—		55		11		33		99
Total home equity		5,901		5,860		5,933		4,117		2,661		4,692		49,890		79,054
Gross charge-offs		—		—		—		—		—		—		—		—
Auto and Other Consumer
Pass (Grades 1-3)		55,699		46,719		65,193		36,235		12,268		47,728		518		264,360
Watch (Grade 4)		848		786		980		52		217		496		—		3,379
Special Mention (Grade 5)		228		14		—		157		—		38		—		437
Substandard (Grade 6)		240		243		31		—		133		53		—		700
Total auto and other consumer		57,015		47,762		66,204		36,444		12,618		48,315		518		268,876
Gross charge-offs		—		505		1,536		92		17		237		107		2,494
Commercial business
Pass (Grades 1-3)		29,228		19,478		8,744		3,633		1,495		40,670		35,209		138,457
Watch (Grade 4)		—		136		1,064		314		—		—		3		1,517
Special Mention (Grade 5)		—		—		1,279		1,552		—		2		—		2,833
Substandard (Grade 6)		47		252		3,752		1,818		611		—		2,206		8,686
Total commercial business		29,275		19,866		14,839		7,317		2,106		40,672		37,418		151,493
Gross charge-offs		2,105		259		2,771		2,022		139		—		—		7,296
Total loans
Pass (Grades 1-3)		168,054		181,094		401,447		333,687		205,774		199,333		85,258		1,574,647
Watch (Grade 4)		10,490		10,232		14,541		24,944		2,536		4,471		329		67,543
Special Mention (Grade 5)		228		3,799		1,279		1,709		1,255		2,820		—		11,090
Substandard (Grade 6)		8,437		11,879		4,060		13,813		1,639		476		2,239		42,543
Total loans receivable	$	187,209	$	207,004	$	421,327	$	374,153	$	211,204	$	207,100	$	87,826	$	1,695,823
Total gross charge-offs	$	2,105	$	5,153	$	4,307	$	2,114	$	156	$	237	$	107	$	14,179

Collateral Dependent Loans [Table Text Block]

	Collateral Type
(dollars in thousands)	Single Family Residence		Condominium		Multi-family		Office Building		Gas Station		Business Assets		Total
One-to-four family	$	2,181	$	—	$	—	$	—	$	—	$	—	$	2,181
Multi-family		—		—		4,531		—		—		—		4,531
Commercial real estate		—		—		—		6,306		3,435		—		9,741
Construction and land		—		5,139		—		—		—		—		5,139
Commercial business		2,875		7		—		—		—		1,108		3,990
Total collateral-dependent loans	$	5,056	$	5,146	$	4,531	$	6,306	$	3,435	$	1,108	$	25,582

	Collateral Type
(dollars in thousands)	Single Family Residence		Warehouse		Condominium		Automobile		Business Assets		Total
One-to-four family	$	1,113	$	—	$	—	$	—	$	—	$	1,113
Commercial real estate		—		11,995		—		—		—		11,995
Construction and land		8,150		—		11,384		—		—		19,534
Commercial business		—		—		—		—		604		604
Total collateral-dependent loans	$	9,263	$	11,995	$	11,384	$	—	$	604	$	33,246