Regulatory Restrictions and Capital Ratios	12 Months Ended
Regulatory Restrictions and Capital Ratios	Dec. 31, 2024
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	NOTE 15: REGULATORY RESTRICTIONS AND CAPITAL RATIOS As required by the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018, the Federal Reserve Board issued rule that expanded applicability of the Board’s small bank holding company policy statement (the “Small BHC Policy Statement”) and has been added as Appendix C to Federal Reserve Regulation Y. These increased the Small BHC Policy Statement’s asset limit from $1 billion to $3 billion in total consolidated assets for a bank holding company or savings and loan holding company that: (1) is not engaged in significant nonbanking activities; (2) does not conduct significant off-balance sheet activities; and (3) does not have a materi al amount of debt or equity securities, other than trust- preferred securities, outstanding that are registered with the SEC. The interim final rule provides that, if warranted for supervisory purposes, the Federal Reserve may exclude a company from this asset level increase. The Federal Reserve has treated the Company as a small bank holding company for purposes of the Small BHC Policy Statement and therefore has considered only the Bank’s capital and not the Company’s consolidated capital. The Bank remains subject to regulatory capital requirements of the Alabama Banking Department and the Federal Reserve. Failure to meet minimum capital requirements can initiate certain mandatory - and possibly additional discretionary - actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, necessary capital to support risks and other factors. Notwithstanding the minimum capital requirements, Federal Reserve Regulation Q states that a Federal Reserve -regulated institution must maintain capital commensurate with the level and nature of all risks to which such institution is exposed. Federal Reserve Regulation Q limits “distributions” and discretionary bonus payments from eligible retained income” by sate member banks, such as the Bank, unless its capital conservation buffer of common equity Tier 1 capital (“CET1”) exceeds 2.5%. “Distributions” include dividends declared or paid on common stock, and stock repurchases, redemptions or repurchases of Tier 2 capital instruments (unless replaced by a capital instrument in the same quarter). “Eligible retained income” for the Bank and other Federal Reserve regulated institutions is the greater of: (A) The Board-regulated institution's net income, calculated in accordance with the instructions to the institution’s FR Y– 9C or Call Report, for the four calendar quarters preceding the current calendar quarter, net of any distributions and associated tax effects not already reflected in net income; and (B) The average of the Board-regulated institution’s net income, calculated in accordance with the instructions to the institutions’ FR Y–9C or Call Report, as applicable, for the four calendar quarters preceding the current calendar quarter. The Bank’s Call Report is used for its calculation of “eligible retained income”. As of December 31, 2024, the Bank is “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized,” the Bank must maintain minimum common equity Tier 1, total risk-based, Tier 1 risk- based, and Tier 1 leverage ratios as set forth in the following table. Management has not received any notification from the Bank's regulators that changes the Bank’s regulatory capital status. The actual capital amounts and ratios for the Bank and the aforementioned minimums as of December 31, 2024 and 2023 are presented below. Minimum for capital Minimum to be Actual adequacy purposes well capitalized (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio At December 31, 2024: Tier 1 Leverage Capital $ 106,288 10.49 % $ 40,543 4.00 % $ 50,679 5.00 % CET1 Risk-Based Capital 106,288 14.80 32,307 4.50 46,665 6.50 Tier 1 Risk-Based Capital 106,288 14.80 43,075 6.00 57,434 8.00 Total Risk-Based Capital 113,487 15.81 57,434 8.00 71,792 10.00 At December 31, 2023: Tier 1 Leverage Capital $ 103,886 9.72 % $ 42,732 4.00 % $ 53,415 5.00 % CET1 Risk-Based Capital 103,886 14.52 32,194 4.50 46,503 6.50 Tier 1 Risk-Based Capital 103,886 14.52 42,926 6.00 57,234 8.00 Total Risk-Based Capital 111,035 15.52 57,234 8.00 71,543 10.00 Dividends paid by the Bank are a principal source of funds available to the Company for payment of dividends to its stockholders and for other needs which are restricted by Alabama and Federal law and regulations as described above. Capital adequacy considerations could further limit the availability of dividends from the Bank. At December 31, 2024, the Bank could have declared additional dividends of approximately $ 9.7 million without prior approval of regulatory authorities. As a result of this limitation, approximately $ 67.2 million of the Company’s investment in the Bank was restricted from transfer in the form of dividends.

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.