Note 11 - Regulatory Restrictions (Tables)

6 Months Ended

Jun. 30, 2024

Regulated Operations [Abstract]

Capital Ratios and Regulatory Minimum Requirements

The Company and the Bank’s actual capital amounts and ratios are presented as follows:

	Capital levels
	Actual					Adequately capitalized					Well capitalized
June 30, 2024	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total risk-based capital (to risk-weighted assets):
The Company	$	170,668		12.60	%	$	108,377		8.00	%	$	135,471		10.00	%
Bank		156,749		11.73			106,899	8.00				133,624	10.00
Tier 1 capital (to risk-weighted assets):
The Company	$	161,715		11.94			81,283	6.00				81,283	6.00
Bank		147,796		11.06			80,174	6.00				106,899	8.00
Common equity tier 1 capital (to risk-weighted    assets):
The Company		161,715		11.94			60,962	4.50			N/A		N/A
Bank		147,796		11.06			60,131	4.50				86,855	6.50
Tier 1 capital (to average assets):
The Company		161,715		8.99			71,921	4.00			N/A		N/A
Bank		147,796		8.28			71,361	4.00				89,201	5.00

	Capital levels
	Actual					Adequately capitalized					Well capitalized
As of December 31, 2023	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total risk-based capital (to risk-weighted assets):
The Company	$	167,711		13.09	%		102,513		8.00	%		128,142		10.00	%
Bank		154,062		12.20			101,032	8.00				126,290	10.00
Tier 1 capital (to risk-weighted assets):
The Company		158,753		12.39			76,885	6.00				76,885	6.00
Bank		145,104		11.49			75,774	6.00				101,032	8.00
Common equity tier 1 capital (to risk-weighted    assets):
The Company		158,753		12.39			57,664	4.50			N/A		N/A
Bank		145,104		11.49			56,830	4.50				82,088	6.50
Tier 1 capital (to average assets):
The Company		158,753		8.92			71,185	4.00			N/A		N/A
Bank		145,104		8.18			70,961	4.00				88,701	5.00