Note 9 - Allowance for Credit Losses and Credit Quality Information (Tables)

3 Months Ended

Mar. 31, 2024

Notes Tables

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

(Dollars in thousands)	Single Family			Commercial Real Estate			Consumer			Commercial Business			Total
Balance, December 31, 2023	$	1,426			7,514			607			2,277			11,824
Provision for losses		(181	)		(94	)		(111	)		178			(208	)
Charge-offs		(30	)		0			0			0			(30	)
Recoveries		0			0			0			0			0
Balance, March 31, 2024	$	1,215			7,420			496			2,455			11,586
Balance, December 31, 2022	$	1,261			7,026			1,058			932			10,277
January 1, 2023 adoption of ASU 2016-13		(259	)		512			(485	)		1,302			1,070
Provision for losses		(44	)		23			46			(57	)		(32	)
Recoveries		1			0			1			25			27
Balance, March 31, 2023	$	959			7,561			620			2,202			11,342
Allocated to:
Individual reserves	$	28			0			103			297			428
Collective reserves		1,398			7,514			504			1,980			11,396
Balance, December 31, 2023	$	1,426			7,514			607			2,277			11,824
Allocated to:
Individual reserves	$	26			0			97			296			419
Collective reserves		1,189			7,420			399			2,159			11,167
Balance, March 31, 2024	$	1,215			7,420			496			2,455			11,586
Loans receivable at December 31, 2023:
Individually reviewed for impairment	$	979			668			425			2,212			4,284
Collectively reviewed for impairment		263,324			489,285			42,309			58,906			853,824
Ending balance	$	264,303			489,953			42,734			61,118			858,108
Loans receivable at March 31, 2024:
Individually reviewed for impairment	$	958			636			382			1,284			3,260
Collectively reviewed for impairment		259,644			502,703			40,728			62,395			865,470
Ending balance	$	260,602			503,339			41,110			63,679			868,730

Provision for Credit Losses [Table Text Block]

	Three months ended March 31,
(Dollars in thousands)	2024			2023
Provision for credit losses on:
Loans	$	(208	)		(32	)
Unfunded commitments		(1	)		24
Total	$	(209	)		(8	)

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving		Total
Single family
Pass	$	2,823		80,466		56,798		61,380		32,958		24,686		0		259,111
Special Mention		0		0		0		0		0		0		0		0
Substandard		0		0		533		0		77		846		0		1,456
Doubtful		0		0		0		0		0		35		0		35
Loss		0		0		0		0		0		0		0		0
		2,823		80,466		57,331		61,380		33,035		25,567		0		260,602
Current period gross charge-offs		0		0		0		0		0		30		0		30
Commercial Real Estate
Pass		16,281		70,863		184,499		107,230		71,955		23,054		0		473,882
Special Mention		0		1,942		8,233		2,175		1,246		1,006		0		14,602
Substandard		0		462		347		910		10,948		2,188		0		14,855
Doubtful		0		0		0		0		0		0		0		0
Loss		0		0		0		0		0		0		0		0
		16,281		73,267		193,079		110,315		84,149		26,248		0		503,339
Consumer
Pass		3,663		7,483		6,698		1,391		1,800		6,676		13,020		40,731
Special Mention		19		0		0		0		0		0		0		19
Substandard		0		7		29		109		0		97		28		270
Doubtful		0		14		0		0		0		0		19		33
Loss		0		7		0		13		0		0		37		57
		3,682		7,511		6,727		1,513		1,800		6,773		13,104		41,110
Commercial Business
Pass		1,776		12,060		6,376		3,198		2,960		407		33,475		60,252
Special Mention		60		0		0		0		0		0		171		231
Substandard		0		1,274		441		142		94		31		1,214		3,196
Doubtful		0		0		0		0		0		0		0		0
Loss		0		0		0		0		0		0		0		0
		1,836		13,334		6,817		3,340		3,054		438		34,860		63,679
Total Loans	$	24,622		174,578		263,954		176,548		122,038		59,026		47,964		868,730

(Dollars in thousands)	2023		2022		2021		2020		2019		Prior		Revolving		Total
Single family
Unclassified	$	81,070		59,474		62,690		33,637		10,915		14,635		0		262,421
Special Mention		0		511		0		0		0		0		0		511
Substandard		64		546		0		79		182		462		0		1,333
Doubtful		0		0		0		0		24		14		0		38
Loss		0		0		0		0		0		0		0		0
		81,134		60,531		62,690		33,716		11,121		15,111		0		264,303
Commercial Real Estate
Unclassified		64,688		187,320		109,729		75,754		14,531		9,603		0		461,625
Special Mention		1,026		7,756		2,188		371		0		1,016		0		12,357
Substandard		2,225		388		292		10,867		637		1,562		0		15,971
Doubtful		0		0		0		0		0		0		0		0
Loss		0		0		0		0		0		0		0		0
		67,939		195,464		112,209		86,992		15,168		12,181		0		489,953
Consumer
Unclassified		9,913		7,583		1,606		1,870		2,369		4,778		14,170		42,289
Special Mention		20		0		0		0		0		0		0		20
Substandard		8		26		52		0		3		113		30		232
Doubtful		15		0		0		0		0		0		19		34
Loss		3		0		116		0		0		0		40		159
		9,959		7,609		1,774		1,870		2,372		4,891		14,259		42,734
Current period gross charge-offs		0		1		0		0		0		49		0		50
Commercial Business
Unclassified		12,404		6,967		3,539		3,317		217		288		30,160		56,892
Special Mention		0		0		0		0		0		0		0		0
Substandard		1,703		483		152		104		11		31		1,742		4,226
Doubtful		0		0		0		0		0		0		0		0
Loss		0		0		0		0		0		0		0		0
		14,107		7,450		3,691		3,421		228		319		31,902		61,118
Current period gross charge offs		174		0		0		0		0		0		160		334
Total Loans	$	173,139		271,054		180,364		125,999		28,889		32,502		46,161		858,108

Financing Receivable, Past Due [Table Text Block]

(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing
March 31, 2024
Single family	$	842		103		318		1,263		259,339		260,602		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		276,751		276,751		0
Other		0		619		0		619		225,969		226,588		0
Consumer		210		42		43		295		40,815		41,110		0
Commercial business		640		702		46		1,388		62,291		63,679		0
December 31, 2023	$	1,692		1,466		407		3,565		865,165		868,730		0
Single family	$	453		71		363		887		263,416		264,303		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		271,531		271,531		0
Other		0		0		399		399		218,023		218,422		0
Consumer		361		92		57		510		42,224		42,734		0
Commercial business		0		309		812		1,121		59,997		61,118		0
	$	814		472		1,631		2,917		855,191		858,108		0

Collateral Dependent Loans [Table Text Block]

	March 31, 2024						December 31, 2023
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
Loans with no related allowance recorded:
Single family	$	744		744		0		758		758		0
Commercial real estate:
Other		636		636		0		668		668		0
Consumer		269		269		0		306		306		0
Commercial business		22		22		0		0		0		0
Loans with an allowance recorded:
Single family		214		214		26		221		221		28
Consumer		113		113		97		119		119		103
Commercial business		1,262		1,596		296		2,212		2,546		297
Total:
Single family		958		958		26		979		979		28
Commercial real estate:
Other(1)		636		636		0		668		668		0
Consumer(2)		382		382		97		425		425		103
Commercial business(3)		1,284		1,618		296		2,212		2,546		297
	$	3,260		3,594		419		4,284		4,618		428

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	March 31, 2024		December 31, 2023
Single family	$	742	$	762
Commercial real estate:
Other		462		493
Consumer		334		376
Commercial business		1,262		2,187
	$	2,800	$	3,818