Note 7 - Loans and Related Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2024

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

	September 30,			December 31,
	2024			2023
Commercial real estate:
Owner occupied	$	187,313		$	183,545
Non-owner occupied		407,159			401,580
Multifamily		94,798			82,506
Residential real estate		345,748			328,854
Commercial and industrial		213,172			221,508
Home equity lines of credit		137,761			127,818
Construction and other		111,550			125,105
Consumer installment		7,030			7,214
Total loans		1,504,531			1,478,130
Less: Allowance for credit losses		(22,526	)		(21,693	)
Net loans	$	1,482,005		$	1,456,437

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

	For the Three Months Ended September 30, 2024
	Allowance for Credit Losses
	Balance										Balance
	June 30, 2024		Charge-offs			Recoveries		Provision			September 30, 2024
Loans:
Commercial real estate:
Owner occupied	$	2,058	$	(45	)	$	-	$	177		$	2,190
Non-owner occupied		7,981		(1,341	)		-		1,716			8,356
Multifamily		1,268		-			-		125			1,393
Residential real estate		4,891		-			-		219			5,110
Commercial and industrial		2,430		(35	)		9		8			2,412
Home equity lines of credit		813		-			-		56			869
Construction and other		2,290		-			-		(159	)		2,131
Consumer installment		64		(5	)		35		(29	)		65
Total	$	21,795	$	(1,426	)	$	44	$	2,113		$	22,526

	For the Three Months Ended September 30, 2023
	Allowance for Credit Losses
	Balance										Balance
	June 30, 2023		Charge-offs			Recoveries		Provision			September 30, 2023
Loans:
Commercial real estate:
Owner occupied	$	3,413	$	-		$	1	$	(711	)	$	2,703
Non-owner occupied		3,846		-			-		231			4,077
Multifamily		1,279		-			-		495			1,774
Residential real estate		5,114		-			-		187			5,301
Commercial and industrial		4,104		(25	)		10		106			4,195
Home equity lines of credit		723		-			-		3			726
Construction and other		1,884		-			-		146			2,030
Consumer installment		228		-			30		(78	)		180
Total	$	20,591	$	(25	)	$	41	$	379		$	20,986

	For the Nine Months Ended September 30, 2024
	Allowance for Credit Losses
	Balance										Balance
	December 31, 2023		Charge-offs			Recoveries		Provision			September 30, 2024
Loans:
Commercial real estate:
Owner occupied	$	2,668	$	(45	)	$	11	$	(444	)	$	2,190
Non-owner occupied		4,480		(1,341	)		-		5,217			8,356
Multifamily		1,796		-			-		(403	)		1,393
Residential real estate		5,450		-			-		(340	)		5,110
Commercial and industrial		4,377		(35	)		24		(1,954	)		2,412
Home equity lines of credit		750		(7	)		1		125			869
Construction and other		1,990		-			-		141			2,131
Consumer installment		182		(11	)		118		(224	)		65
Total	$	21,693	$	(1,439	)	$	154	$	2,118		$	22,526

	For the Nine Months Ended September 30, 2023
	Allowance for Credit Losses
	Balance		CECL											Balance
	December 31, 2022		Adoption			Charge-offs			Recoveries		Provision			September 30, 2023
Loans:
Commercial real estate:
Owner occupied	$	2,203	$	811		$	(46	)	$	4	$	(269	)	$	2,703
Non-owner occupied		5,597		(1,206	)		-			-		(314	)		4,077
Multifamily		662		591			-			-		521			1,774
Residential real estate		2,047		2,744			(108	)		-		618			5,301
Commercial and industrial		1,483		2,320			(85	)		30		447			4,195
Home equity lines of credit		1,753		(1,031	)		-			70		(66	)		726
Construction and other		609		956			-			-		465			2,030
Consumer installment		84		197			(62	)		110		(149	)		180
Total	$	14,438	$	5,382		$	(301	)	$	214	$	1,253		$	20,986

Financing Receivable Credit Quality Indicators [Table Text Block]

September 30, 2024
Term Loans Amortized Cost Basis by Origination Year														Revolving Amortized
(Dollar amounts in thousands)	2024		2023		2022		2021		2020		Prior			Cost Basis		Total
Commercial real estate:
Owner occupied
Pass	$	11,011	$	20,602	$	36,219	$	36,987	$	26,092	$	42,627		$	2,382	$	175,920
Special Mention		-		-		-		2,707		-		778			-		3,485
Substandard		-		-		4,547		-		-		3,361			-		7,908
Total Owner occupied	$	11,011	$	20,602	$	40,766	$	39,694	$	26,092	$	46,766		$	2,382	$	187,313
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	45		$	-	$	45
Non-owner occupied
Pass	$	6,515	$	50,123	$	97,043	$	49,075	$	20,461	$	139,800		$	4,011	$	367,028
Special Mention		-		-		2,506		-		-		2,019			-		4,525
Substandard		-		-		3,991		635		-		30,980			-		35,606
Total Non-owner occupied	$	6,515	$	50,123	$	103,540	$	49,710	$	20,461	$	172,799		$	4,011	$	407,159
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1,341		$	-	$	1,341
Multifamily
Pass	$	2,943	$	36,236	$	26,225	$	7,491	$	10,158	$	11,713		$	32	$	94,798
Total Multifamily	$	2,943	$	36,236	$	26,225	$	7,491	$	10,158	$	11,713		$	32	$	94,798
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Residential real estate
Pass	$	32,687	$	49,940	$	59,318	$	74,692	$	36,706	$	89,742		$	232	$	343,317
Substandard		34		-		189		722		-		1,486			-		2,431
Total Residential real estate	$	32,721	$	49,940	$	59,507	$	75,414	$	36,706	$	91,228		$	232	$	345,748
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Commercial and industrial
Pass	$	31,952	$	35,883	$	34,893	$	14,707	$	21,296	$	5,993		$	65,459	$	210,183
Special Mention		-		180		-		-		-		-			792		972
Substandard		231		11		1,000		-		314		94			371		2,021
Loss		-		-		-		-		-		(4	)		-		(4	)
Total Commercial and industrial	$	32,183	$	36,074	$	35,893	$	14,707	$	21,610	$	6,083		$	66,622	$	213,172
Current-period gross charge-offs	$	-	$	-	$	23	$	12	$	-	$	-		$	-	$	35
Home equity lines of credit
Pass	$	-	$	205	$	148	$	-	$	35	$	1,942		$	133,937	$	136,267
Substandard		-		72		153		-		34		607			628		1,494
Total Home equity lines of credit	$	-	$	277	$	301	$	-	$	69	$	2,549		$	134,565	$	137,761
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	7		$	-	$	7
Construction and other
Pass	$	19,163	$	69,902	$	2,518	$	5,262	$	542	$	1,558		$	9,713	$	108,658
Special Mention		-		-		841		-		-		232			-		1,073
Substandard		-		-		-		-		-		1,296			523		1,819
Total Construction and other	$	19,163	$	69,902	$	3,359	$	5,262	$	542	$	3,086		$	10,236	$	111,550
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Consumer installment
Pass	$	1,649	$	1,203	$	521	$	135	$	44	$	3,294		$	-	$	6,846
Substandard		-		-		5		-		-		179			-		184
Total Consumer installment	$	1,649	$	1,203	$	526	$	135	$	44	$	3,473		$	-	$	7,030
Current-period gross charge-offs	$	-	$	-	$	-	$	6	$	-	$	5		$	-	$	11
Total Loans	$	106,185	$	264,357	$	270,117	$	192,413	$	115,682	$	337,697		$	218,080	$	1,504,531
Total Loans Summary
Pass	$	105,920	$	264,094	$	256,885	$	188,349	$	115,334	$	296,669		$	215,766	$	1,443,017
Special Mention		-		180		3,347		2,707		-		3,029			792		10,055
Substandard		265		83		9,885		1,357		348		38,003			1,522		51,463
Loss		-		-		-		-		-		(4	)		-		(4	)
Total Loans	$	106,185	$	264,357	$	270,117	$	192,413	$	115,682	$	337,697		$	218,080	$	1,504,531

December 31, 2023
Term Loans Amortized Cost Basis by Origination Year														Revolving Amortized
(Dollar amounts in thousands)	2023		2022		2021		2020		2019		Prior			Cost Basis		Total
Commercial real estate:
Owner occupied
Pass	$	14,634	$	34,850	$	41,609	$	25,040	$	12,304	$	41,976		$	2,662	$	173,075
Special Mention		-		2,271		-		-		13		799			-		3,083
Substandard		-		2,356		-		1,559		146		3,326			-		7,387
Total Owner occupied	$	14,634	$	39,477	$	41,609	$	26,599	$	12,463	$	46,101		$	2,662	$	183,545
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	46		$	-	$	46
Non-owner occupied
Pass	$	43,393	$	95,098	$	40,959	$	22,707	$	32,405	$	127,469		$	504	$	362,535
Special Mention		-		2,508		-		-		-		2,197			-		4,705
Substandard		-		-		-		-		5,237		24,569			-		29,806
Doubtful		-		-		647		-		3,887		-			-		4,534
Total Non-owner occupied	$	43,393	$	97,606	$	41,606	$	22,707	$	41,529	$	154,235		$	504	$	401,580
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Multifamily
Pass	$	29,218	$	25,776	$	4,267	$	10,453	$	1,391	$	11,231		$	104	$	82,440
Substandard		-		-		-		-		-		66			-		66
Total Multifamily	$	29,218	$	25,776	$	4,267	$	10,453	$	1,391	$	11,297		$	104	$	82,506
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Residential real estate
Pass	$	50,086	$	56,180	$	78,909	$	39,476	$	19,418	$	82,441		$	672	$	327,182
Substandard		-		127		210		-		24		1,311			-		1,672
Total Residential real estate	$	50,086	$	56,307	$	79,119	$	39,476	$	19,442	$	83,752		$	672	$	328,854
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	108		$	-	$	108
Commercial and industrial
Pass	$	46,918	$	43,494	$	17,909	$	25,143	$	2,741	$	6,533		$	66,842	$	209,580
Special Mention		-		-		-		-		-		-			184		184
Substandard		13		15		-		353		124		876			10,367		11,748
Loss		-		-		-		-		-		(4	)		-		(4	)
Total Commercial and industrial	$	46,931	$	43,509	$	17,909	$	25,496	$	2,865	$	7,405		$	77,393	$	221,508
Current-period gross charge-offs	$	-	$	-	$	75	$	-	$	6	$	4		$	-	$	85
Home equity lines of credit
Pass	$	-	$	126	$	-	$	16	$	63	$	2,097		$	124,001	$	126,303
Substandard		-		105		-		36		29		583			762		1,515
Total Home equity lines of credit	$	-	$	231	$	-	$	52	$	92	$	2,680		$	124,763	$	127,818
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Construction and other
Pass	$	55,528	$	23,059	$	20,246	$	1,777	$	5,609	$	851		$	9,152	$	116,222
Special Mention		-		3,573		2,371		-		265		-			-		6,209
Substandard		-		-		420		-		1,770		-			484		2,674
Total Construction and other	$	55,528	$	26,632	$	23,037	$	1,777	$	7,644	$	851		$	9,636	$	125,105
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-	$	-
Consumer installment
Pass	$	1,810	$	1,088	$	324	$	89	$	74	$	3,669		$	-	$	7,054
Substandard		-		7		-		-		-		153			-		160
Total Consumer installment	$	1,810	$	1,095	$	324	$	89	$	74	$	3,822		$	-	$	7,214
Current-period gross charge-offs	$	-	$	25	$	-	$	-	$	-	$	38		$	-	$	63
Total Loans	$	241,600	$	290,633	$	207,871	$	126,649	$	85,500	$	310,143		$	215,734	$	1,478,130
Total Loans Summary
Pass	$	241,587	$	279,671	$	204,223	$	124,701	$	74,005	$	276,267		$	203,937	$	1,404,391
Special Mention		-		8,352		2,371		-		278		2,996			184		14,181
Substandard		13		2,610		630		1,948		7,330		30,884			11,613		55,028
Doubtful		-		-		647		-		3,887		-			-		4,534
Loss		-		-		-		-		-		(4	)		-		(4	)
Total Loans	$	241,600	$	290,633	$	207,871	$	126,649	$	85,500	$	310,143		$	215,734	$	1,478,130

Schedule of Collateral Dependent Loans [Table Text Block]

	September 30, 2024
	Type of Collateral
(Dollar amounts in thousands)	Real Estate		Blanket Lien		Investment/Cash		Other		Total
Commercial real estate:
Owner occupied	$	2,224	$	-	$	-	$	-	$	2,224
Non-owner occupied		14,381		-		-		11,105		25,486
Residential real estate		617		-		-		-		617
Commercial and industrial		-		-		-		1,213		1,213
Total	$	17,222	$	-	$	-	$	12,318	$	29,540

	December 31, 2023
	Type of Collateral
(Dollar amounts in thousands)	Real Estate		Blanket Lien		Investment/Cash		Other		Total
Commercial real estate:
Non-owner occupied	$	8,150	$	-	$	-	$	-	$	8,150
Total	$	8,150	$	-	$	-	$	-	$	8,150

Financing Receivable, Past Due [Table Text Block]

			30-59 Days		60-89 Days		90 Days+		Total		Total
September 30, 2024	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	187,205	$	48	$	-	$	60	$	108	$	187,313
Non-owner occupied		393,788		1,367		4,396		7,608		13,371		407,159
Multifamily		94,798		-		-		-		-		94,798
Residential real estate		343,090		1,943		566		149		2,658		345,748
Commercial and industrial		211,957		29		190		996		1,215		213,172
Home equity lines of credit		137,081		155		122		403		680		137,761
Construction and other		111,057		-		493		-		493		111,550
Consumer installment		7,016		14		-		-		14		7,030
Total	$	1,485,992	$	3,556	$	5,767	$	9,216	$	18,539	$	1,504,531

			30-59 Days		60-89 Days		90 Days+		Total		Total
December 31, 2023	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	183,242	$	197	$	-	$	106	$	303	$	183,545
Non-owner occupied		397,964		3,616		-		-		3,616		401,580
Multifamily		82,440		-		-		66		66		82,506
Residential real estate		326,224		1,366		1,010		254		2,630		328,854
Commercial and industrial		221,304		-		146		58		204		221,508
Home equity lines of credit		126,894		447		180		297		924		127,818
Construction and other		125,040		65		-		-		65		125,105
Consumer installment		7,138		69		-		7		76		7,214
Total	$	1,470,246	$	5,760	$	1,336	$	788	$	7,884	$	1,478,130

Financing Receivable, Nonaccrual [Table Text Block]

	September 30, 2024
	Nonaccrual		Nonaccrual				Loans Past
(Dollar amounts in thousands)	with no		with		Total		Due Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
Commercial real estate:
Owner occupied	$	-	$	310	$	310	$	-	$	310
Non-owner occupied		21,870		3,616		25,486		-		25,486
Residential real estate		617		1,321		1,938		-		1,938
Commercial and industrial		-		1,212		1,212		-		1,212
Home equity lines of credit		-		916		916		32		948
Consumer installment		179		5		184		-		184
Total	$	22,666	$	7,380	$	30,046	$	32	$	30,078

	December 31, 2023
	Nonaccrual		Nonaccrual				Loans Past
(Dollar amounts in thousands)	with no		with		Total		Due Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
Commercial real estate:
Owner occupied	$	-	$	252	$	252	$	-	$	252
Non-owner occupied		4,534		3,616		8,150		-		8,150
Multifamily		-		66		66		-		66
Residential real estate		-		1,170		1,170		-		1,170
Commercial and industrial		-		223		223		-		223
Home equity lines of credit		-		856		856		-		856
Construction and other		-		-		-		-		-
Consumer installment		153		7		160		-		160
Total	$	4,687	$	6,190	$	10,877	$	-	$	10,877

Financing Receivable, Modified [Table Text Block]

	September 30, 2024
	Modifications
					Payment		Interest Rate		Interest Rate				Percentage of
					Deferral		Reduction		Reduction				Total Loans
	Payment		Term		and Term		and Term		and Principal				Held for
	Deferral		Extension		Extension		Past Due		Forgiveness		Total		Investment
Commercial real estate:
Non-owner occupied	$	-	$	13,482	$	2,507	$	-	$	-	$	15,989		1.1	%
Construction and other		-		1,819		-		-		-		1,819		0.1	%
Total	$	-	$	15,301	$	2,507	$	-	$	-	$	17,808		1.2	%

	September 30, 2023
	Modifications
					Payment		Interest Rate		Interest Rate				Percentage of
					Deferral		Reduction		Reduction				Total Loans
	Payment		Term		and Term		and Term		and Principal				Held for
	Deferral		Extension		Extension		Past Due		Forgiveness		Total		Investment
Commercial real estate:
Non-owner occupied	$	-	$	145	$	2,507	$	-	$	-	$	2,652		0.2	%
Residential real estate		-		19,074		-		-		-		19,074		1.4	%
Commercial and industrial		-		83		-		-		-		83		0.0	%
Consumer installment		-		8		-		-		-		8		0.0	%
Total	$	-	$	19,310	$	2,507	$	-	$	-	$	21,817		1.6	%