Note 8 - Loans Receivable, Net (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

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

Dollars in thousands	March 31, 2025		December 31, 2024
Real Estate Loans:
Construction	$	110,405	$	109,928
Residential		208,055		203,650
Commercial		290,218		288,509
Commercial and Agricultural Loans		31,483		36,870
Consumer Loans:
Home Equity Lines of Credit ("HELOC")		39,317		37,837
Other Consumer		23,761		23,843
Total Loans Held for Investment, Gross		703,239		700,637
Less:
Allowance for Credit Losses		14,005		13,894
Deferred Loan Fees		123		193
		14,128		14,087
Total Loans Receivable, Net	$	689,111	$	686,550

Financing Receivable Credit Quality Indicators [Table Text Block]

	March 31, 2025
	Term Loans by Year of Origination
Dollars in thousands	2025		2024		2023		2022		2021		Prior		Revolving		Total
Construction Real Estate
Pass	$	6,996	$	40,228	$	9,160	$	12,633	$	8,518	$	1,481	$	397	$	79,413
Caution		4,510		16,723		1,676		5,014		61		160		239		28,383
Special Mention		358		194		—		—		—		—		—		552
Substandard		—		134		1,111		412		189		123		88		2,057
Total Construction Real Estate		11,864		57,279		11,947		18,059		8,768		1,764		724		110,405
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Residential Real Estate
Pass		4,574		27,003		36,698		40,474		6,659		21,645		11,875		148,928
Caution		2,483		10,340		17,147		10,088		3,702		7,778		159		51,697
Special Mention		259		951		1,562		220		250		306		—		3,548
Substandard		—		165		1,308		427		362		1,620		—		3,882
Total Residential Real Estate		7,316		38,459		56,715		51,209		10,973		31,349		12,034		208,055
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Commercial Real Estate
Pass		5,276		30,698		28,063		51,056		43,432		32,243		6,692		197,460
Caution		3,889		18,646		16,210		9,520		11,626		10,606		3,972		74,469
Special Mention		—		7,277		132		—		432		2,474		—		10,315
Substandard		—		591		6,379		755		249		—		—		7,974
Total Commercial Real Estate		9,165		57,212		50,784		61,331		55,739		45,323		10,664		290,218
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Commercial and Agricultural
Pass		2,415		2,477		3,024		2,768		1,653		521		4,128		16,986
Caution		741		4,546		3,184		569		899		11		905		10,855
Special Mention		2,525		6		422		—		—		—		110		3,063
Substandard		—		125		172		115		21		48		98		579
Total Commercial and Agricultural		5,681		7,154		6,802		3,452		2,573		580		5,241		31,483
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
HELOC
Pass		—		—		—		—		—		—		29,004		29,004
Caution		—		—		—		—		—		—		8,003		8,003
Special Mention		—		—		—		—		—		—		1,834		1,834
Substandard		—		—		—		—		—		—		476		476
Total HELOC		—		—		—		—		—		—		39,317		39,317
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Other Consumer
Pass		1,704		4,741		2,904		1,939		616		3,896		1,408		17,208
Caution		509		2,371		1,299		1,050		367		250		287		6,133
Special Mention		52		112		31		15		—		—		10		220
Substandard		—		10		29		47		80		27		7		200
Total Other Consumer		2,265		7,234		4,263		3,051		1,063		4,173		1,712		23,761
Current Period Gross Write-Offs		—		—		—		3		3		—		23		29
Total Loans	$	36,291	$	167,338	$	130,511	$	137,102	$	79,116	$	83,189	$	69,692	$	703,239
Total Current Period Gross Write-Offs	$	-	$	-	$	-	$	3	$	3	$	-	$	23	$	29

	December 31, 2024
	Term Loans by Year of Origination
Dollars in thousands	2024		2023		2022		2021		2020		Prior		Revolving		Total
Construction Real Estate
Pass	$	13,446	$	1,791	$	13,688	$	9,830	$	683	$	33,644	$	5,300	$	78,382
Caution		7,182		3,661		4,932		62		118		12,176		233		28,364
Special Mention		364		75		—		—		—		781		—		1,220
Substandard		134		697		—		199		118		735		79		1,962
Total Construction Real Estate		21,126		6,224		18,620		10,091		919		47,336		5,612		109,928
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Residential Real Estate
Pass		25,712		38,130		42,248		6,611		6,651		16,280		11,131		146,763
Caution		9,170		17,725		9,839		3,742		4,586		3,244		174		48,480
Special Mention		1,097		2,016		63		413		248		64		—		3,901
Substandard		165		1,736		841		362		—		1,402		—		4,506
Total Residential Real Estate		36,144		59,607		52,991		11,128		11,485		20,990		11,305		203,650
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Commercial Real Estate
Pass		29,719		27,652		51,892		44,891		12,724		27,983		1,696		196,557
Caution		17,770		15,057		7,994		15,307		3,315		8,076		2,415		69,934
Special Mention		198		138		874		438		1,201		11,109		99		14,057
Substandard		167		6,015		775		259		—		745		—		7,961
Total Commercial Real Estate		47,854		48,862		61,535		60,895		17,240		47,913		4,210		288,509
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Commercial and Agricultural
Pass		5,750		3,239		2,992		2,370		320		470		4,457		19,598
Caution		9,233		3,356		941		889		10		814		952		16,195
Special Mention		7		429		—		70		—		—		100		606
Substandard		21		174		102		30		10		41		93		471
Total Commercial and Agricultural		15,011		7,198		4,035		3,359		340		1,325		5,602		36,870
Current Period Gross Write-Offs		—		23		35		—		—		2		22		82
HELOC
Pass		—		—		—		—		—		—		29,142		29,142
Caution		—		—		—		—		—		—		7,612		7,612
Special Mention		—		—		—		—		—		—		534		534
Substandard		—		—		—		—		—		—		549		549
Total HELOC		—		—		—		—		—		—		37,837		37,837
Current Period Gross Write-Offs		—		—		—		—		—		—		—		—
Other Consumer
Pass		5,328		3,386		2,205		776		338		52		5,039		17,124
Caution		2,550		1,501		1,243		434		217		78		285		6,308
Special Mention		132		56		22		—		—		—		8		218
Substandard		—		31		39		81		26		5		11		193
Total Other Consumer		8,010		4,974		3,509		1,291		581		135		5,343		23,843
Current Period Gross Write-Offs		—		40		18		4		6		13		164		245
Total Loans	$	128,145	$	126,865	$	140,690	$	86,764	$	30,565	$	117,699	$	69,909	$	700,637
Total Current Period Gross Write-Offs	$	-	$	63	$	53	$	4	$	6	$	15	$	186	$	327

Financing Receivable, Past Due [Table Text Block]

	March 31, 2025
	30-59 Days		60-89 Days		90 Days or						Total Loans
Dollars in thousands	Past Due		Past Due		More Past Due		Total Past Due		Current		Receivable
Construction Real Estate	$	1,788	$	—	$	35	$	1,823	$	108,582	$	110,405
Residential Real Estate		4,642		394		264		5,300		202,755		208,055
Commercial Real Estate		5,044		—		678		5,722		284,496		290,218
Commercial and Agricultural		206		43		290		539		30,944		31,483
HELOC		166		57		21		244		39,073		39,317
Other Consumer		284		44		72		400		23,361		23,761
Total	$	12,130	$	538	$	1,360	$	14,028	$	689,211	$	703,239

	December 31, 2024
	30-59 Days		60-89 Days		90 Days or						Total Loans
Dollars in thousands	Past Due		Past Due		More Past Due		Total Past Due		Current		Receivable
Construction Real Estate	$	3,755	$	35	$	1,156	$	4,946	$	104,982	$	109,928
Residential Real Estate		2,038		864		382		3,284		200,366		203,650
Commercial Real Estate		1,708		140		630		2,478		286,031		288,509
Commercial and Agricultural		991		—		305		1,296		35,574		36,870
HELOC		164		26		21		211		37,626		37,837
Other Consumer		216		117		46		379		23,464		23,843
Total	$	8,872	$	1,182	$	2,540	$	12,594	$	688,043	$	700,637

Financing Receivable, Nonaccrual [Table Text Block]

	March 31, 2025						December 31, 2024
Dollars in thousands	Nonaccrual Loans with No Allowance		Nonaccrual Loans with an Allowance		Total Nonaccrual Loans		Nonaccrual Loans with No Allowance		Nonaccrual Loans with an Allowance		Total Nonaccrual Loans
Construction Real Estate	$	1,133	$	—	$	1,133	$	1,438	$	—	$	1,438
Residential Real Estate		1,429		197		1,626		1,503		204		1,707
Commercial Real Estate		3,723		—		3,723		3,658		—		3,658
Commercial and Agricultural		329		—		329		331		—		331
HELOC		351		—		351		424		—		424
Other Consumer		103		—		103		78		—		78
Total Nonaccrual Loans	$	7,068	$	197	$	7,265	$	7,432	$	204	$	7,636

Financing Receivable, Accrued Interest, Writeoff [Table Text Block]

	For the Three Months Ended March 31,
Dollars in thousands	2025		2024
Construction Real Estate	$	1	$	—
Residential Real Estate		—		4
Commercial Real Estate		—		5
Other Consumer		1		2
Total	$	2	$	11

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

	Three Months Ended March 31, 2025
	Real Estate							Commercial and			Consumer
Dollars in thousands	Construction		Residential		Commercial			Agricultural			HELOC		Other			Total
Beginning Balance	$	1,904	$	4,182	$	5,387		$	990		$	787	$	644		$	13,894
Provision for (Reversal of) Credit Losses		179		61		(121	)		(176	)		27		30			—
Charge-Offs		—		—		—			—			—		(29	)		(29	)
Recoveries		—		4		120			9			—		7			140
Ending Balance	$	2,083	$	4,247	$	5,386		$	823		$	814	$	652		$	14,005

	Three Months Ended March 31, 2024
	Real Estate							Commercial and			Consumer
Dollars in thousands	Construction		Residential		Commercial			Agricultural			HELOC		Other			Total
Beginning Balance	$	1,828	$	3,551	$	5,052		$	808		$	731	$	599		$	12,569
(Reversal of) Provision for Credit Losses		162		302		(120	)		(88	)		30		14			300
Charge-Offs		—		—		—			(21	)		—		(41	)		(62	)
Recoveries		—		1		—			—			—		34			35
Ending Balance	$	1,990	$	3,854	$	4,932		$	699		$	761	$	606		$	12,842

	For the Three Months Ended March 31,
Allowance for Credit Losses - Unfunded Commitments (Dollars in thousands)	2025		2024
Beginning Balance	$	749	$	859
Reversal of provision for unfunded commitments		—		35
Ending Balance	$	749	$	894

Schedule of Amortized Cost Basis of Collateral Dependent Loans [Table Text Block]

Dollars in thousands	March 31, 2025		December 31, 2024
Construction Real Estate	$	829	$	1,156
Residential Real Estate		795		849
Commercial Real Estate		3,510		3,426
HELOC		288		295
Total	$	5,422	$	5,726