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

3 Months Ended

Mar. 31, 2025

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

	March 31,			December 31,
	2025 ⁽¹⁾⁽²⁾			2024 ⁽¹⁾⁽²⁾
Commercial real estate:
Owner occupied	$	185,412		$	181,447
Non-owner occupied		413,621			412,291
Multifamily		88,737			89,849
Residential real estate		351,274			353,442
Commercial and industrial		235,547			229,034
Home equity lines of credit		147,154			143,379
Construction and other		122,653			103,608
Consumer installment		5,951			6,564
Total loans		1,550,349			1,519,614
Less: Allowance for credit losses		(22,401	)		(22,447	)
Net loans	$	1,527,948		$	1,497,167

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

	For the Three Months Ended March 31, 2025
	Allowance for Credit Losses
	Balance										Balance
(Dollar amounts in thousands)	December 31, 2024		Charge-offs			Recoveries		Provision			March 31, 2025
Loans:
Commercial real estate:
Owner occupied	$	2,100	$	-		$	13	$	175		$	2,288
Non-owner occupied		8,364		-			7		(3,273	)		5,098
Multifamily		1,310		-			-		(142	)		1,168
Residential real estate		5,236		(1	)		36		379			5,650
Commercial and industrial		2,427		(5	)		169		380			2,971
Home equity lines of credit		897		(4	)		8		19			920
Construction and other		2,052		-			-		2,181			4,233
Consumer installment		61		(44	)		30		26			73
Total	$	22,447	$	(54	)	$	263	$	(255	)	$	22,401

	For the Three Months Ended March 31, 2024
	Allowance for Credit Losses
	Balance										Balance
(Dollar amounts in thousands)	December 31, 2023		Charge-offs			Recoveries		Provision			March 31, 2024
Loans:
Commercial real estate:
Owner occupied	$	2,668	$	-		$	11	$	(619	)	$	2,060
Non-owner occupied		4,480		-			-		3,288			7,768
Multifamily		1,796		-			-		(592	)		1,204
Residential real estate		5,450		-			-		(676	)		4,774
Commercial and industrial		4,377		-			8		(2,347	)		2,038
Home equity lines of credit		750		(7	)		-		42			785
Construction and other		1,990		-			-		383			2,373
Consumer installment		182		-			56		(171	)		67
Total	$	21,693	$	(7	)	$	75	$	(692	)	$	21,069

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2025
Term Loans Amortized Cost Basis by Origination Year													Revolving Amortized
(Dollar amounts in thousands)	2025		2024		2023		2022		2021		Prior		Cost Basis		Total
Commercial real estate:
Owner occupied
Pass	$	4,247	$	11,016	$	19,720	$	32,740	$	43,295	$	62,859	$	4,630	$	178,507
Special Mention		-		-		-		-		383		765		-		1,148
Substandard		-		949		-		4,522		-		286		-		5,757
Total Owner occupied	$	4,247	$	11,965	$	19,720	$	37,262	$	43,678	$	63,910	$	4,630	$	185,412
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Non-owner occupied
Pass	$	9,492	$	7,504	$	61,388	$	96,175	$	46,552	$	151,416	$	1,046	$	373,573
Special Mention		-		-		-		2,507		-		1,984		-		4,491
Substandard		-		-		-		3,668		635		31,254		-		35,557
Total Non-owner occupied	$	9,492	$	7,504	$	61,388	$	102,350	$	47,187	$	184,654	$	1,046	$	413,621
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Multifamily
Pass	$	-	$	2,912	$	36,114	$	21,870	$	7,382	$	20,459	$	-	$	88,737
Total Multifamily	$	-	$	2,912	$	36,114	$	21,870	$	7,382	$	20,459	$	-	$	88,737
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential real estate
Pass	$	7,506	$	44,694	$	49,301	$	60,850	$	68,027	$	117,913	$	141	$	348,432
Substandard		-		-		164		306		635		1,737		-		2,842
Total Residential real estate	$	7,506	$	44,694	$	49,465	$	61,156	$	68,662	$	119,650	$	141	$	351,274
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1
Commercial and industrial
Pass	$	7,186	$	48,861	$	32,864	$	28,922	$	9,883	$	23,475	$	81,394	$	232,585
Special Mention		-		-		565		-		-		-		1,721		2,286
Substandard		-		214		9		-		10		370		72		675
Loss		-		-		-		-		-		-		1		1
Total Commercial and industrial	$	7,186	$	49,075	$	33,438	$	28,922	$	9,893	$	23,845	$	83,188	$	235,547
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	5	$	-	$	5
Home equity lines of credit
Pass	$	-	$	358	$	22	$	195	$	-	$	2,166	$	142,963	$	145,704
Substandard		-		-		166		148		-		639		497		1,450
Total Home equity lines of credit	$	-	$	358	$	188	$	343	$	-	$	2,805	$	143,460	$	147,154
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	4	$	-	$	4
Construction and other
Pass	$	705	$	42,390	$	55,127	$	2,110	$	1,080	$	1,858	$	16,544	$	119,814
Special Mention		-		-		-		-		-		210		-		210
Substandard		-		-		493		-		-		1,046		1,090		2,629
Total Construction and other	$	705	$	42,390	$	55,620	$	2,110	$	1,080	$	3,114	$	17,634	$	122,653
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer installment
Pass	$	284	$	1,328	$	896	$	290	$	89	$	2,904	$	-	$	5,791
Substandard		-		-		-		-		-		160		-		160
Total Consumer installment	$	284	$	1,328	$	896	$	290	$	89	$	3,064	$	-	$	5,951
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	44	$	-	$	44
Total Loans	$	29,420	$	160,226	$	256,829	$	254,303	$	177,971	$	421,501	$	250,099	$	1,550,349
Total Loans Summary
Pass	$	29,420	$	159,063	$	255,432	$	243,152	$	176,308	$	383,050	$	246,718	$	1,493,143
Special Mention		-		-		565		2,507		383		2,959		1,721		8,135
Substandard		-		1,163		832		8,644		1,280		35,492		1,659		49,070
Loss		-		-		-		-		-		-		1		1
Total Loans	$	29,420	$	160,226	$	256,829	$	254,303	$	177,971	$	421,501	$	250,099	$	1,550,349

December 31, 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	$	12,424	$	20,265	$	33,389	$	39,025	$	25,532	$	39,393	$	4,394	$	174,422
Special Mention		-		-		-		389		-		772		-		1,161
Substandard		974		-		4,535		-		-		355		-		5,864
Total Owner occupied	$	13,398	$	20,265	$	37,924	$	39,414	$	25,532	$	40,520	$	4,394	$	181,447
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	45	$	-	$	45
Non-owner occupied
Pass	$	7,542	$	63,559	$	96,624	$	49,009	$	20,230	$	133,530	$	905	$	371,399
Special Mention		-		-		2,506		-		-		2,002		-		4,508
Substandard		-		-		3,719		635		-		32,030		-		36,384
Total Non-owner occupied	$	7,542	$	63,559	$	102,849	$	49,644	$	20,230	$	167,562	$	905	$	412,291
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1,341	$	-	$	1,341
Multifamily
Pass	$	2,930	$	36,113	$	21,978	$	7,437	$	10,057	$	11,324	$	10	$	89,849
Total Multifamily	$	2,930	$	36,113	$	21,978	$	7,437	$	10,057	$	11,324	$	10	$	89,849
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential real estate
Pass	$	45,347	$	50,820	$	61,963	$	69,982	$	36,067	$	86,492	$	291	$	350,962
Substandard		34		169		115		635		-		1,527		-		2,480
Total Residential real estate	$	45,381	$	50,989	$	62,078	$	70,617	$	36,067	$	88,019	$	291	$	353,442
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial and industrial
Pass	$	48,654	$	33,860	$	31,305	$	13,512	$	18,864	$	4,888	$	74,169	$	225,252
Special Mention		2,263		-		-		-		-		-		832		3,095
Substandard		214		10		-		-		305		84		74		687
Total Commercial and industrial	$	51,131	$	33,870	$	31,305	$	13,512	$	19,169	$	4,972	$	75,075	$	229,034
Current-period gross charge-offs	$	-	$	180	$	23	$	12	$	-	$	-	$	-	$	215
Home equity lines of credit
Pass	$	244	$	-	$	166	$	183	$	133	$	2,041	$	139,214	$	141,981
Substandard		-		68		150		-		34		493		653		1,398
Total Home equity lines of credit	$	244	$	68	$	316	$	183	$	167	$	2,534	$	139,867	$	143,379
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	7	$	-	$	7
Construction and other
Pass	$	31,361	$	48,177	$	2,418	$	1,223	$	506	$	1,368	$	14,909	$	99,962
Special Mention		-		-		834		-		-		221		-		1,055
Substandard		-		493		-		-		-		1,171		927		2,591
Total Construction and other	$	31,361	$	48,670	$	3,252	$	1,223	$	506	$	2,760	$	15,836	$	103,608
Current-period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer installment
Pass	$	1,539	$	1,047	$	381	$	112	$	36	$	3,284	$	-	$	6,399
Substandard		-		-		3		-		-		162		-		165
Total Consumer installment	$	1,539	$	1,047	$	384	$	112	$	36	$	3,446	$	-	$	6,564
Current-period gross charge-offs	$	-	$	-	$	2	$	6	$	-	$	30	$	-	$	38
Total Loans	$	153,526	$	254,581	$	260,086	$	182,142	$	111,764	$	321,137	$	236,378	$	1,519,614
Total Loans Summary
Pass	$	150,041	$	253,841	$	248,224	$	180,483	$	111,425	$	282,320	$	233,892	$	1,460,226
Special Mention		2,263		-		3,340		389		-		2,995		832		9,819
Substandard		1,222		740		8,522		1,270		339		35,822		1,654		49,569
Total Loans	$	153,526	$	254,581	$	260,086	$	182,142	$	111,764	$	321,137	$	236,378	$	1,519,614

Schedule of Collateral Dependent Loans [Table Text Block]

	March 31, 2025
	Type of Collateral
(Dollar amounts in thousands)	Real Estate		Blanket Lien		Investment/Cash		Other		Total
Commercial real estate:
Owner occupied	$	5,471	$	-	$	-	$	-	$	5,471
Non-owner occupied		25,971		-		-		-		25,971
Residential real estate		617		-		-		-		617
Commercial and industrial		214		-		-		-		214
Construction and other		493		-		-		-		493
Total	$	32,766	$	-	$	-	$	-	$	32,766

	December 31, 2024
	Type of Collateral
(Dollar amounts in thousands)	Real Estate		Blanket Lien		Investment/Cash		Other		Total
Commercial real estate:
Owner occupied	$	3,198	$	-	$	-	$	-	$	3,198
Non-owner occupied		24,881		-		-		-		24,881
Residential real estate		617		-		-		-		617
Commercial and industrial		214		-		-		-		214
Construction and other		493		-		-		-		493
Total	$	29,403	$	-	$	-	$	-	$	29,403

Financing Receivable, Past Due [Table Text Block]

			30-59 Days		60-89 Days		90 Days+		Total		Total
March 31, 2025	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	185,243	$	47	$	-	$	122	$	169	$	185,412
Non-owner occupied		405,609		-		-		8,012		8,012		413,621
Multifamily		88,737		-		-		-		-		88,737
Residential real estate		348,246		1,805		233		990		3,028		351,274
Commercial and industrial		235,284		242		10		11		263		235,547
Home equity lines of credit		146,597		209		94		254		557		147,154
Construction and other		122,160		-		-		493		493		122,653
Consumer installment		5,888		41		22		-		63		5,951
Total	$	1,537,764	$	2,344	$	359	$	9,882	$	12,585	$	1,550,349

			30-59 Days		60-89 Days		90 Days+		Total		Total
December 31, 2024	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	180,752	$	513	$	122	$	60	$	695	$	181,447
Non-owner occupied		402,924		1,355		-		8,012		9,367		412,291
Multifamily		89,756		93		-		-		93		89,849
Residential real estate		349,645		2,216		562		1,019		3,797		353,442
Commercial and industrial		226,669		81		2,284		-		2,365		229,034
Home equity lines of credit		142,484		366		102		427		895		143,379
Construction and other		103,115		-		-		493		493		103,608
Consumer installment		6,479		41		44		-		85		6,564
Total	$	1,501,824	$	4,665	$	3,114	$	10,011	$	17,790	$	1,519,614

Financing Receivable, Nonaccrual [Table Text Block]

	March 31, 2025
	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	$	949	$	234	$	1,183	$	-	$	1,183
Non-owner occupied		20,504		3,616		24,120		-		24,120
Residential real estate		617		1,745		2,362		-		2,362
Commercial and industrial		-		158		158		-		158
Home equity lines of credit		-		1,070		1,070		4		1,074
Construction and other		493		-		493		-		493
Consumer installment		160		-		160		-		160
Total	$	22,723	$	6,823	$	29,546	$	4	$	29,550

	December 31, 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	$	974	$	301	$	1,275	$	-	$	1,275
Non-owner occupied		21,265		3,616		24,881		-		24,881
Multifamily		-		-		-		-		-
Residential real estate		617		1,377		1,994		-		1,994
Commercial and industrial		-		159		159		-		159
Home equity lines of credit		-		1,017		1,017		-		1,017
Construction and other		-		493		493		-		493
Consumer installment		162		3		165		-		165
Total	$	23,018	$	6,966	$	29,984	$	-	$	29,984

Financing Receivable, Modified [Table Text Block]

	March 31, 2025
	Modifications
					Payment		Interest Rate		Interest Rate				Percentage of
					Deferral		Reduction		Reduction				Total Loans
	Payment		Term		and Term		and Term		and Principal				Held for
(Dollar amounts in thousands)	Deferral		Extension		Extension		Extension		Forgiveness		Total		Investment
Commercial real estate:
Owner occupied	$	-	$	438	$	-	$	-	$	-	$	438		0.0	%
Non-owner occupied		-		8,349		12,439		-		-		20,788		1.3	%
Multifamily		-		695		-		-		-		695		0.0	%
Commercial and industrial		-		889		-		-		-		889		0.1	%
Home equity lines of credit		-		84		-		-		-		84		0.0	%
Total	$	-	$	10,455	$	12,439	$	-	$	-	$	22,894		1.5	%

	March 31, 2024
	Modifications
					Payment		Interest Rate		Interest Rate				Percentage of
					Deferral		Reduction		Reduction				Total Loans
	Payment		Term		and Term		and Term		and Principal				Held for
(Dollar amounts in thousands)	Deferral		Extension		Extension		Extension		Forgiveness		Total		Investment
Commercial real estate:
Non-owner occupied	$	-	$	14,924	$	2,507	$	-	$	-	$	17,431		1.2	%
Construction and other		-		3,202		-		-		-		3,202		0.2	%
Total	$	-	$	18,126	$	2,507	$	-	$	-	$	20,633		1.4	%