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

9 Months Ended

Sep. 30, 2025

Notes Tables

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

	September 30,		December 31,
(Dollars in Thousands)	2025		2024
Real estate:
Commercial	$	430,518	$	398,126
Construction/Land development		34,217		27,357
Residential		111,032		111,898
Commercial		51,864		50,405
Consumer		133		176
Total Loans		627,764		587,962
Less: Allowance for credit losses		4,257		4,260
Deferred origination fees, net of costs		1,050		709
	$	622,457	$	582,993

Financing Receivable, Nonaccrual [Table Text Block]

	Nonaccrual		Nonaccrual		Loans Past
	With No		With		Due 90 Days
	Allowance		Allowance		or More and
(Dollars in thousands)	for Credit Loss		for Credit Loss		Still Accruing
September 30, 2025
Real estate:
Commercial	$	-	$	-	$	1,262
Construction and land development		-		-		-
Residential		-		-		-
Commercial		-		-		-
Consumer		-		-		-
	$	-	$	-	$	1,262
December 31, 2024
Real estate:
Commercial	$	-	$	2,440	$	-
Construction and land development		-		-		-
Residential		-		-		-
Commercial		-		-		-
Consumer		-		-		-
	$	-	$	2,440	$	-

Financing Receivable, Past Due [Table Text Block]

					90 Days								Past Due 90
(Dollars in thousands)	30 - 59 Days		60 - 89 Days		or More		Total				Total		Days or More
September 30, 2025	Past Due		Past Due		Past Due		Past Due		Current		Loans		and Accruing
Real estate:
Commercial	$	-	$	-	$	1,262	$	1,262	$	429,256	$	430,518	$	1,262
Construction and land development		-		-		-		-		34,217		34,217		-
Residential		202		-		-		202		110,830		111,032		-
Commercial		-		-		-		-		51,864		51,864		-
Consumer		-		-		-		-		133		133		-
Total	$	202	$	-	$	1,262	$	1,464	$	626,300	$	627,764	$	1,262
December 31, 2024
Real estate:
Commercial	$	-	$	-	$	404	$	404	$	397,722	$	398,126	$	-
Construction and land development		-		-		-		-		27,357		27,357		-
Residential		-		270		-		270		111,628		111,898		-
Commercial		-		-		-		-		50,405		50,405		-
Consumer		-		-		-		-		176		176		-
Total	$	-	$	270	$	404	$	674	$	587,288	$	587,962	$	-

Collateral Dependent Loans [Table Text Block]

	September 30,		December 31,
(Dollars in thousands)	2025		2024
Real estate:
Commercial	$	-	$	2,440
Residential		-		270
Commercial		-		-
	$	-	$	2,710

Financing Receivable, Modified [Table Text Block]

	September 30, 2025					December 31, 2024
			Total Class					Total Class
	Term		of Financing			Term		of Financing
(Dollars in thousands)	Extension		Receivable			Extension		Receivable
Commercial real estate	$	4,380		1.02	%	$	2,038		0.51	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans Amortized Cost Basis by Origination
	As of and for the nine months ended September, 2025
(dollars in thousands)													Revolving
	2025		2024		2023		2022		2021		Prior		Loans		Total
Commercial Real Estate
Pass	$	63,805	$	46,571	$	26,582	$	59,483	$	53,005	$	150,047	$	5,501	$	404,274
Special Mention		2,200		12,762		-		5,914		-		-		400		21,276
Substandard		341		-		-		-		-		4,627		-		4,968
Doubtful		-		-		-		-		-		-		-		-
Total	$	65,626	$	59,333	$	26,582	$	65,397	$	53,005	$	154,674	$	5,901	$	430,518
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	646	$	-	$	646
Construction and Land Development
Pass	$	7,909	$	13,949	$	2,651	$	3,888	$	152	$	5,668	$	-	$	34,217
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total	$	7,909	$	13,949	$	2,651	$	3,888	$	152	$	5,668	$	-	$	34,217
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential Real Estate
Pass	$	13,237	$	10,433	$	10,014	$	17,493	$	5,661	$	42,303	$	10,591	$	109,732
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		1,280		20		1,300
Doubtful		-		-		-		-		-		-		-		-
Total	$	13,237	$	10,433	$	10,014	$	17,493	$	5,661	$	43,583	$	10,611	$	111,032
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial
Pass	$	4,807	$	10,501	$	3,447	$	4,570	$	2,071	$	713	$	17,421	$	43,530
Special Mention		2,163		111		-		-		-		-		5,627		7,901
Substandard		8		-		-		-		-		-		425		433
Doubtful		-		-		-		-		-		-		-		-
Total	$	6,978	$	10,612	$	3,447	$	4,570	$	2,071	$	713	$	23,473	$	51,864
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer
Pass	$	32	$	59	$	40	$	-	$	-	$	2	$	-	$	133
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total	$	32	$	59	$	40	$	-	$	-	$	2	$	-	$	133
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Aggregate total
Pass	$	89,070		81,513		42,734		85,434		60,889		198,733		33,513		591,886
Special Mention		4,363		12,873		-		5,914		-		6,027		6,027		29,177
Substandard		349		-		-		-		-		445		445		6,701
Doubtful		-		-		-		-		-		-		-		-
Total	$	93,782		94,386		42,734		91,348		60,889		204,640		39,985		627,764
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	646	$	-	$	646

	Term Loans Amortized Cost Basis by Origination
	As of and for the year ended December 31, 2024
(dollars in thousands)													Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial Real Estate
Pass	$	63,427	$	26,745	$	69,261	$	54,346	$	19,727	$	151,876	$	3,559	$	388,941
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		9,185		-		9,185
Doubtful		-		-		-		-		-		-		-		-
Total	$	63,427	$	26,745	$	69,261	$	54,346	$	19,727	$	161,061	$	3,559	$	398,126
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Construction and Land Development
Pass	$	14,710	$	3,365	$	1,568	$	1,443	$	930	$	5,341	$	-	$	27,357
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total	$	14,710	$	3,365	$	1,568	$	1,443	$	930	$	5,341	$	-	$	27,357
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential Real Estate
Pass	$	12,385	$	10,592	$	18,474	$	9,363	$	7,084	$	44,409	$	7,985	$	110,292
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		1,582		24		1,606
Doubtful		-		-		-		-		-		-		-		-
Total	$	12,385	$	10,592	$	18,474	$	9,363	$	7,084	$	45,991	$	8,009	$	111,898
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	5	$	-	$	5
Commercial
Pass	$	9,928	$	5,017	$	5,675	$	2,632	$	472	$	467	$	21,040	$	45,231
Special Mention		4,674		-		-		-		-		-		-		4,674
Substandard		-		-		-		-		-		500		-		500
Doubtful		-		-		-		-		-		-		-		-
Total	$	14,602	$	5,017	$	5,675	$	2,632	$	472	$	967	$	21,040	$	50,405
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	152	$	-	$	152
Consumer
Pass	$	106	$	57	$	9	$	-	$	1	$	-	$	-	$	173
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		2		-		1		-		-		-		3
Doubtful		-		-		-		-		-		-		-		-
Total	$	106	$	59	$	9	$	1	$	1	$	-	$	-	$	176
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	5	$	-	$	5
Aggregate total
Pass	$	100,556		45,776		94,987		67,784		28,214		202,093		32,584		571,994
Special Mention		4,674		-		-		-		-		-		-		4,674
Substandard		-		2		-		1		-		11,267		24		11,294
Doubtful		-		-		-		-		-		-		-		-
Total	$	105,230	$	45,778	$	94,987	$	67,785	$	28,214	$	213,360	$	32,608	$	587,962
Charge-offs	$	-	$	-	$	-	$	-	$	-	$	162	$	-	$	162

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

													Allowance for credit losses ending				Outstanding loan balances
(Dollars in thousands)			Provision for										by evaluation method				evaluated:
Nine months ended	Beginning		(recovery of)			Charge					Ending
September 30, 2025	balance		credit losses			offs			Recoveries		balance		Individually		Collectively		Individually		Collectively
Real estate:
Commercial	$	2,481	$	448		$	(646	)	$	-	$	2,283	$	-	$	2,283	$	-	$	430,518
Construction and land development		478		42			-			-		520		-		520		-		34,217
Residential		751		(130	)		-			21		642		-		642		-		111,032
Commercial		513		249			-			-		762		-		762		-		51,864
Consumer		4		(3	)		-			-		1		-		1		-		133
Unallocated		33		16			-			-		49		-		49		-		-
	$	4,260	$	622		$	(646	)	$	21	$	4,257	$	-	$	4,257	$	-	$	627,764

													Allowance for credit losses ending				Outstanding loan balances
(Dollars in thousands)			Provision for										by evaluation method				evaluated:
Nine months ended	Beginning		(recovery of)			Charge					Ending
September 30, 2024	balance		credit losses			offs			Recoveries		balance		Individually		Collectively		Individually		Collectively
Real estate:
Commercial	$	2,448	$	(12	)	$	-		$	-	$	2,436	$	392	$	2,044	$	2,441	$	383,354
Construction and land development		253		162			-			-		415		-		415		-		30,328
Residential		1,013		(255	)		-			19		777		-		777		272		108,931
Commercial		494		200			(153	)		-		541		-		541		-		50,932
Consumer		2		3			(3	)		-		2		-		2		-		154
Unallocated		74		(54	)		-			-		20		-		20		-		-
	$	4,284	$	44		$	(156	)	$	19	$	4,191	$	392	$	3,799	$	2,713	$	573,699

													Allowance for credit losses ending				Outstanding loan balances
			Provision for										balance evaluated for impairment:				evaluated:
(Dollars in thousands)	Beginning		(recovery of)			Charge					Ending
December 31, 2024	balance		credit losses			offs			Recoveries		balance		Individually		Collectively		Individually		Collectively
Real estate:
Commercial	$	2,448	$	33		$	-		$	-	$	2,481	$	360	$	2,122	$	2,440	$	395,686
Construction and land development		253		225			-			-		478		-		478		-		27,357
Residential		1,013		(281	)		(5	)		24		751		-		751		270		111,628
Commercial		494		171			(152	)		-		513		-		512		-		50,405
Consumer		2		7			(5	)		-		4		-		4		-		176
Unallocated		74		(41	)		-			-		33		-		33		-		-
	$	4,284	$	114		$	(162	)	$	24	$	4,260	$	360	$	3,899	$	2,710	$	585,252

Amortizable Yield Premium on Purchased Loans [Table Text Block]

(Dollars in thousands)
Balance at December 31, 2024	$	286
Accretion		(114	)
Balance at September 30, 2025	$	172

	Three Months		Three Months			Nine Moths			Nine Moths
	Ended		Ended			Ended			Ended
(dollars in thousands)	September 30, 2025		September 30, 2024			September 30, 2025			September 30, 2024
Beginning balance	$	173	$	196		$	240		$	228
Provision for/(recovery of) credit losses		21		(13	)		(46	)		(45	)
Ending balance	$	194	$	183		$	194		$	183

Components of Allowance for Credit Losses [Table Text Block]

	Three Months Ended September 30, 2025
(Dollars in thousands)	Held to maturity securities			Loans			Unfunded loan commitments		Total
Beginning balance	$	81		$	4,233		$	173	$	4,487
Provision for (recovery of) credit losses		(2	)		308			21		327
Charge-offs		-			(290	)		-		(290	)
Recoveries		-			6			-		6
Ending balance	$	79		$	4,257		$	194	$	4,530

	Three Months Ended September 30, 2024
(Dollars in thousands)	Held to maturity securities			Loans		Unfunded loan commitments			Total
Beginning balance	$	127		$	4,082	$	196		$	4,405
Provision for (recovery of) credit losses		(90	)		103		(13	)		-
Charge-offs		-			-		-			-
Recoveries		-			6		-			6
Ending balance	$	37		$	4,191	$	183		$	4,411

	Nine Months Ended September 30, 2025
(Dollars in thousands)	Held to maturity securities		Loans			Unfunded loan commitments			Total
Beginning balance	$	60	$	4,260		$	240		$	4,560
Provision for (recovery of) credit losses		19		622			(46	)		595
Charge-offs		-		(646	)		-			(646	)
Recoveries		-		21			-			21
Ending balance	$	79	$	4,257		$	194		$	4,530

	Nine Months Ended September 30, 2024
(Dollars in thousands)	Held to maturity securities		Loans			Unfunded loan commitments			Total
Beginning balance	$	36	$	4,284		$	228		$	4,548
Provision for (recovery of) credit losses		1		44			(45	)		-
Charge-offs		-		(156	)		-			(156	)
Recoveries		-		19			-			19
Ending balance	$	37	$	4,191		$	183		$	4,411