Annual report [Section 13 and 15(d), not S-K Item 405]

Note 3 - Loans Receivable - Credit Quality Indicators (Details)

v3.25.1
Note 3 - Loans Receivable - Credit Quality Indicators (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Total Loans Receivable, current year $ 124,670 $ 148,105
Total Loans Receivable, year one 143,098 323,820
Total Loans Receivable, year tow 291,855 321,183
Total Loans Receivable, year three 308,352 234,861
Total Loans Receivable, year four 211,268 108,683
Total Loans Receivable, prior 324,738 274,027
Total Loans Receivable, revolving 102,602 94,893
Total Loans Receivable, revolving converted to term 0 3,183
Total Loans Receivable 1,506,583 1,508,755
Total current period gross charge-off, current year (64) (95)
Total current period gross charge-off, year one 0 (150)
Total current period gross charge-off, year two (1,010) 0
Total current period gross charge-off, year three (125) (367)
Total current period gross charge-off, year four (2) (50)
Total current period gross charge-off, prior (1,267) (1,882)
Total current period gross charge-off, revolving 0 (27)
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total (2,468) (2,571)
Residential Portfolio Segment [Member]    
Total Loans Receivable, current year 13,118 21,145
Total Loans Receivable, year one 31,857 98,457
Total Loans Receivable, year tow 91,850 107,403
Total Loans Receivable, year three 101,055 115,645
Total Loans Receivable, year four 103,616 24,521
Total Loans Receivable, prior 123,329 116,061
Total Loans Receivable, revolving 2,468 1,716
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 467,293 484,948
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 (40)
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 (25)
Total current period gross charge-off, year four 0 (39)
Total current period gross charge-off, prior (28) (893)
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total (28) (997)
Residential Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 13,118 20,740
Total Loans Receivable, year one 30,947 97,671
Total Loans Receivable, year tow 90,324 106,778
Total Loans Receivable, year three 99,390 115,001
Total Loans Receivable, year four 102,552 23,873
Total Loans Receivable, prior 119,449 113,987
Total Loans Receivable, revolving 2,468 1,716
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 458,248 479,766
Residential Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0 405
Total Loans Receivable, year one 371 0
Total Loans Receivable, year tow 365 473
Total Loans Receivable, year three 1,064 173
Total Loans Receivable, year four 554 431
Total Loans Receivable, prior 1,937 1,602
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 4,291 3,084
Residential Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 539 786
Total Loans Receivable, year tow 1,161 152
Total Loans Receivable, year three 601 471
Total Loans Receivable, year four 510 217
Total Loans Receivable, prior 1,943 472
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 4,754 2,098
Home Equity Portfolio Segment [Member]    
Total Loans Receivable, current year 219 110
Total Loans Receivable, year one 200 275
Total Loans Receivable, year tow 291 101
Total Loans Receivable, year three 110 14
Total Loans Receivable, year four 3 65
Total Loans Receivable, prior 3,575 2,149
Total Loans Receivable, revolving 45,360 43,122
Total Loans Receivable, revolving converted to term 0 763
Total Loans Receivable 49,758 46,599
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 0
Total current period gross charge-off, year four 0 0
Total current period gross charge-off, prior 0 (16)
Total current period gross charge-off, revolving 0 (27)
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total 0 (43)
Home Equity Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 193 110
Total Loans Receivable, year one 68 114
Total Loans Receivable, year tow 153 101
Total Loans Receivable, year three 110 14
Total Loans Receivable, year four 0 61
Total Loans Receivable, prior 3,342 2,051
Total Loans Receivable, revolving 44,943 42,801
Total Loans Receivable, revolving converted to term 0 700
Total Loans Receivable 48,809 45,952
Home Equity Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 132 0
Total Loans Receivable, year tow 0 0
Total Loans Receivable, year three 0 0
Total Loans Receivable, year four 3 4
Total Loans Receivable, prior 15 31
Total Loans Receivable, revolving 309 70
Total Loans Receivable, revolving converted to term 0 63
Total Loans Receivable 459 168
Home Equity Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 26 0
Total Loans Receivable, year one 0 161
Total Loans Receivable, year tow 138 0
Total Loans Receivable, year three 0 0
Total Loans Receivable, year four 0 0
Total Loans Receivable, prior 218 67
Total Loans Receivable, revolving 108 251
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 490 479
Commercial Real Estate Portfolio Segment [Member]    
Total Loans Receivable, current year 50,835 52,880
Total Loans Receivable, year one 67,290 127,676
Total Loans Receivable, year tow 124,378 92,537
Total Loans Receivable, year three 98,581 56,740
Total Loans Receivable, year four 54,734 57,378
Total Loans Receivable, prior 152,855 113,200
Total Loans Receivable, revolving 3,001 2,791
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 551,674 503,202
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 0
Total current period gross charge-off, year four 0 0
Total current period gross charge-off, prior 0 (372)
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total 0 (372)
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 49,861 52,880
Total Loans Receivable, year one 67,290 127,607
Total Loans Receivable, year tow 123,342 90,108
Total Loans Receivable, year three 96,206 55,236
Total Loans Receivable, year four 53,864 56,255
Total Loans Receivable, prior 148,529 108,489
Total Loans Receivable, revolving 2,976 2,649
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 542,068 493,224
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 974 0
Total Loans Receivable, year one 0 69
Total Loans Receivable, year tow 1,036 2,429
Total Loans Receivable, year three 2,375 1,274
Total Loans Receivable, year four 668 1,123
Total Loans Receivable, prior 2,930 2,397
Total Loans Receivable, revolving 25 142
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 8,008 7,434
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 0 0
Total Loans Receivable, year tow 0 0
Total Loans Receivable, year three 0 230
Total Loans Receivable, year four 202 0
Total Loans Receivable, prior 1,396 2,314
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 1,598 2,544
Construction and Land Development Portfolio Segment [Member]    
Total Loans Receivable, current year 34,599 48,883
Total Loans Receivable, year one 25,378 25,024
Total Loans Receivable, year tow 3,732 17,616
Total Loans Receivable, year three 10,341 3,988
Total Loans Receivable, year four 2,692 4,284
Total Loans Receivable, prior 820 473
Total Loans Receivable, revolving 5,312 12,539
Total Loans Receivable, revolving converted to term 0 2,420
Total Loans Receivable 82,874 115,227
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 0
Total current period gross charge-off, year four 0 0
Total current period gross charge-off, prior 0 0
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total 0 0
Construction and Land Development Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 34,599 48,518
Total Loans Receivable, year one 24,360 24,948
Total Loans Receivable, year tow 3,732 13,411
Total Loans Receivable, year three 7,867 1,732
Total Loans Receivable, year four 224 4,284
Total Loans Receivable, prior 820 473
Total Loans Receivable, revolving 5,312 12,539
Total Loans Receivable, revolving converted to term 0 2,420
Total Loans Receivable 76,914 108,325
Construction and Land Development Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0 365
Total Loans Receivable, year one 0 76
Total Loans Receivable, year tow 0 4,205
Total Loans Receivable, year three 1,207 2,256
Total Loans Receivable, year four 2,468 0
Total Loans Receivable, prior 0 0
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 3,675 6,902
Construction and Land Development Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 1,018 0
Total Loans Receivable, year tow 0 0
Total Loans Receivable, year three 1,267 0
Total Loans Receivable, year four 0 0
Total Loans Receivable, prior 0 0
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 2,285 0
Multifamily Portfolio Segment [Member]    
Total Loans Receivable, current year 6,398 9,333
Total Loans Receivable, year one 8,923 53,493
Total Loans Receivable, year tow 57,997 79,788
Total Loans Receivable, year three 79,267 43,335
Total Loans Receivable, year four 38,808 13,156
Total Loans Receivable, prior 20,435 20,626
Total Loans Receivable, revolving 627 186
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 212,455 219,917
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three (125) 0
Total current period gross charge-off, year four 0 0
Total current period gross charge-off, prior 0 0
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total (125) 0
Multifamily Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 6,398 9,333
Total Loans Receivable, year one 8,923 53,493
Total Loans Receivable, year tow 56,771 78,122
Total Loans Receivable, year three 74,716 41,773
Total Loans Receivable, year four 36,075 13,156
Total Loans Receivable, prior 20,066 19,609
Total Loans Receivable, revolving 627 186
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 203,576 215,672
Multifamily Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0 373
Total Loans Receivable, year one 0 197
Total Loans Receivable, year tow 780 58
Total Loans Receivable, year three 3,332 0
Total Loans Receivable, year four 1,217 129
Total Loans Receivable, prior 0 436
Total Loans Receivable, revolving 0 417
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 5,329 1,610
Multifamily Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 0 0
Total Loans Receivable, year tow 446 1,666
Total Loans Receivable, year three 1,219 1,562
Total Loans Receivable, year four 1,516 0
Total Loans Receivable, prior 369 1,017
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 3,550 4,245
Commercial Portfolio Segment [Member]    
Total Loans Receivable, current year 14,655 13,526
Total Loans Receivable, year one 9,287 15,065
Total Loans Receivable, year tow 10,499 9,641
Total Loans Receivable, year three 6,304 5,919
Total Loans Receivable, year four 3,830 4,234
Total Loans Receivable, prior 13,837 14,462
Total Loans Receivable, revolving 45,834 34,539
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 104,246 97,386
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 (110)
Total current period gross charge-off, year two (1,010) 0
Total current period gross charge-off, year three 0 (342)
Total current period gross charge-off, year four 0 (11)
Total current period gross charge-off, prior (1,239) (601)
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total (2,249) (1,064)
Commercial Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 14,655 13,110
Total Loans Receivable, year one 8,123 13,774
Total Loans Receivable, year tow 9,441 9,327
Total Loans Receivable, year three 6,094 5,705
Total Loans Receivable, year four 3,653 4,105
Total Loans Receivable, prior 11,416 12,905
Total Loans Receivable, revolving 44,046 33,954
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 97,428 92,880
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 25  
Total Loans Receivable, year tow 978  
Total Loans Receivable, year three 39  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 800  
Total Loans Receivable, revolving 1,686  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 3,528  
Commercial Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0 43
Total Loans Receivable, year one 1,139 1,094
Total Loans Receivable, year tow 80 256
Total Loans Receivable, year three 171 214
Total Loans Receivable, year four 177 0
Total Loans Receivable, prior 1,621 1,121
Total Loans Receivable, revolving 102 168
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 3,290 2,896
Consumer Portfolio Segment [Member]    
Total Loans Receivable, current year 301 338
Total Loans Receivable, year one 163 73
Total Loans Receivable, year tow 34 108
Total Loans Receivable, year three 51 6
Total Loans Receivable, year four 0 14
Total Loans Receivable, prior 2 71
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 551 610
Total current period gross charge-off, current year (64) (95)
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 0
Total current period gross charge-off, year four (2) 0
Total current period gross charge-off, prior 0 0
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total (66) (95)
Consumer Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 301 338
Total Loans Receivable, year one 163 73
Total Loans Receivable, year tow 34 108
Total Loans Receivable, year three 51 4
Total Loans Receivable, year four 0 14
Total Loans Receivable, prior 2 71
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 551 608
Consumer Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 0 0
Total Loans Receivable, year tow 0 0
Total Loans Receivable, year three 0 2
Total Loans Receivable, year four 0 0
Total Loans Receivable, prior 0 0
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 0 2
Manufactured Homes Portfolio Segment [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 0 1,942
Total Loans Receivable, year tow 1,634 12,556
Total Loans Receivable, year three 11,388 9,214
Total Loans Receivable, year four 7,585 5,031
Total Loans Receivable, prior 6,101 2,102
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 26,708 30,845
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 0
Total current period gross charge-off, year four 0 0
Total current period gross charge-off, prior 0 0
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total 0 0
Manufactured Homes Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 0 0
Total Loans Receivable, year one 0 1,942
Total Loans Receivable, year tow 1,634 12,556
Total Loans Receivable, year three 11,360 9,214
Total Loans Receivable, year four 7,559 5,031
Total Loans Receivable, prior 6,101 2,102
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 26,654 30,845
Manufactured Homes Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 0  
Total Loans Receivable, year tow 0  
Total Loans Receivable, year three 28  
Total Loans Receivable, year four 26  
Total Loans Receivable, prior 0  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 54  
Government Portfolio Segment [Member]    
Total Loans Receivable, current year 4,545 1,890
Total Loans Receivable, year one 0 1,815
Total Loans Receivable, year tow 1,440 1,433
Total Loans Receivable, year three 1,255 0
Total Loans Receivable, year four 0 0
Total Loans Receivable, prior 3,784 4,883
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable 11,024 10,021
Total current period gross charge-off, current year 0 0
Total current period gross charge-off, year one 0 0
Total current period gross charge-off, year two 0 0
Total current period gross charge-off, year three 0 0
Total current period gross charge-off, year four 0 0
Total current period gross charge-off, prior 0 0
Total current period gross charge-off, revolving 0 0
Total current period gross charge-off, revolving converted to term 0 0
Total current period gross charge-off, total 0 0
Government Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 4,545 1,890
Total Loans Receivable, year one 0 1,815
Total Loans Receivable, year tow 1,440 1,433
Total Loans Receivable, year three 1,255 0
Total Loans Receivable, year four 0 0
Total Loans Receivable, prior 3,784 4,883
Total Loans Receivable, revolving 0 0
Total Loans Receivable, revolving converted to term 0 0
Total Loans Receivable $ 11,024 $ 10,021