BankFinancial (BFIN) 10-Q 29 Jul 22 2022 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2022	Jul. 27, 2022
Document Information [Line Items]
Entity Central Index Key	0001303942
Entity Registrant Name	BankFinancial CORP
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
Document Transition Report	false
Entity File Number	0-51331
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	75-3199276
Entity Address, Address Line One	60 North Frontage Road
Entity Address, City or Town	Burr Ridge
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60527
City Area Code	800
Local Phone Number	894-6900
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	BFIN
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		13,153,485

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets
Cash and due from other financial institutions	$ 10,655	$ 9,095
Interest-bearing deposits in other financial institutions	259,816	493,067
Cash and cash equivalents	270,471	502,162
Securities, at fair value	158,951	85,694
Loans receivable, net of allowance for loan losses: June 30, 2022, $7,202 and December 31, 2021, $6,715	1,142,743	1,044,207
Foreclosed assets, net	842	725
Stock in Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB"), at cost	7,490	7,490
Premises and equipment, net	25,103	25,043
Accrued interest receivable	6,660	4,648
Bank-owned life insurance	18,893	19,129
Deferred taxes	4,261	2,762
Other assets	9,472	8,822
Total assets	1,644,886	1,700,682
Liabilities
Noninterest-bearing	311,408	342,185
Interest-bearing	1,133,342	1,146,246
Total deposits	1,444,750	1,488,431
Borrowings	0	5,000
Subordinated notes, net of unamortized issuance costs	19,612	19,590
Advance payments by borrowers for taxes and insurance	10,872	7,993
Accrued interest payable and other liabilities	15,522	22,202
Total liabilities	1,490,756	1,543,216
Stockholders’ equity
Preferred stock, $0.01 par value, 25,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value, 100,000,000 shares authorized; 13,153,485 shares issued at June 30, 2022 and 13,228,485 shares issued at December 31, 2021	131	132
Additional paid-in capital	89,917	90,709
Retained earnings	67,742	66,545
Accumulated other comprehensive (loss) income	(3,660)	80
Total stockholders’ equity	154,130	157,466
Total liabilities and stockholders’ equity	$ 1,644,886	$ 1,700,682

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Allowance for loan losses	$ 7,202	$ 6,715
Preferred Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized (in shares)	25,000,000	25,000,000
Preferred Stock, shares issued (in shares)	0	0
Preferred Stock, shares outstanding (in shares)	0	0
Common Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, shares authorized (in shares)	100,000,000	100,000,000
Common Stock, shares issued (in shares)	13,153,485	13,228,485

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest and dividend income
Loans, including fees		$ 11,683	$ 11,192	$ 22,496	$ 22,121
Securities		432	52	731	106
Other		769	253	1,075	518
Total interest income		12,884	11,497	24,302	22,745
Interest expense
Deposits		555	552	1,000	1,220
Subordinated notes		199	170	397	170
Total interest expense		754	722	1,397	1,390
Net interest income		12,130	10,775	22,905	21,355
Provision for (recovery of) loan losses		459	(678)	735	(1,013)
Net interest income after provision for (recovery of) loan losses		11,671	11,453	22,170	22,368
Noninterest income
Deposit service charges and fees		826	800	1,607	1,538
Loan servicing fees	[1]	190	141	291	196
Mortgage brokerage and banking fees	[1]	9	5	17	17
Trust and insurance commissions and annuities income		262	283	600	617
Earnings on bank-owned life insurance	[1]	11	30	39	51
Bank-owned life insurance death benefit	[1]	446	0	446	0
Other	[1]	95	167	283	265
Total noninterest income		1,839	1,426	3,283	2,684
Noninterest expense
Compensation and benefits		5,489	5,558	10,969	11,029
Office occupancy and equipment		1,933	1,892	4,067	3,989
Advertising and public relations		208	187	350	390
Information technology		895	723	1,746	1,433
Professional fees		412	343	785	713
Supplies, telephone, and postage		362	442	709	842
FDIC insurance premiums		106	114	222	220
Other		794	982	1,640	1,812
Total noninterest expense		10,199	10,241	20,488	20,428
Income before income taxes		3,311	2,638	4,965	4,624
Income tax expense		744	712	1,130	1,229
Net income		$ 2,567	$ 1,926	$ 3,835	$ 3,395
Basic and diluted earnings per common share (in dollars per share)		$ 0.19	$ 0.13	$ 0.29	$ 0.23
Basic and diluted weighted average common shares outstanding (in shares)		13,165,023	14,433,748	13,184,424	14,577,958
[1]Not within the scope of ASC 606

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 20, 2022	Jun. 30, 2021
Net income	$ 2,567	$ 1,926	$ 3,835	$ 3,395
Unrealized holding loss on securities arising during the period	(1,042)	(28)	(5,107)	(35)
Tax effect	279	8	1,367	10
Comprehensive loss, net of tax	(763)	(20)	(3,740)	(25)
Comprehensive income	$ 1,804	$ 1,906	$ 95	$ 3,370

Consolidated Statements of Chan

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2020	$ 148	$ 107,815	$ 64,754	$ 213	$ 172,930
Net income	0	0	3,395	0	3,395
Other comprehensive loss, net of tax effect	0	0	0	(25)	(25)
Repurchase and retirement of common stock	(7)	(6,938)	0	0	(6,945)
Cash dividends declared on common stock	0	0	(2,919)	0	(2,919)
Balance at Jun. 30, 2021	141	100,877	65,230	188	166,436
Balance at Mar. 31, 2021	146	106,329	64,750	208	171,433
Net income	0	0	1,926	0	1,926
Other comprehensive loss, net of tax effect	0	0	0	(20)	(20)
Repurchase and retirement of common stock	(5)	(5,452)	0	0	(5,457)
Cash dividends declared on common stock	0	0	(1,446)	0	(1,446)
Balance at Jun. 30, 2021	141	100,877	65,230	188	166,436
Balance at Dec. 31, 2021	132	90,709	66,545	80	157,466
Net income	0	0	3,835	0	3,835
Other comprehensive loss, net of tax effect	0	0	0	(3,740)	(3,740)
Repurchase and retirement of common stock	(1)	(792)	0	0	(793)
Cash dividends declared on common stock	0	0	(2,638)	0	(2,638)
Balance at Jun. 30, 2022	131	89,917	67,742	(3,660)	154,130
Balance at Mar. 31, 2022	132	90,170	66,490	(2,897)	153,895
Net income	0	0	2,567	0	2,567
Other comprehensive loss, net of tax effect	0	0	0	(763)	(763)
Repurchase and retirement of common stock	(1)	(253)	0	0	(254)
Cash dividends declared on common stock	0	0	(1,315)	0	(1,315)
Balance at Jun. 30, 2022	$ 131	$ 89,917	$ 67,742	$ (3,660)	$ 154,130

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Repurchase and retirement of common stock (in shares)	25,000	504,939	75,000	651,045
Cash dividends declared on common stock (in dollars per share)	$ 0.10	$ 0.10	$ 0.20	$ 0.20

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 20, 2022	Jun. 30, 2021
Cash flows (used in) from operating activities
Net income		$ 2,567	$ 1,926	$ 3,835	$ 3,835	$ 3,395
Adjustments to reconcile net income to net cash (used in) from operating activities
Provision for (recovery of) loan losses		459	(678)	735		(1,013)
Depreciation and amortization				888		1,001
Net change in net deferred loan origination costs				(369)		516
Gain on sale of foreclosed assets				(15)		(51)
Foreclosed assets valuation adjustments				(27)		281
Earnings on bank-owned life insurance	[1]	(11)	(30)	(39)		(51)
Net change in:
Accrued interest receivable				(2,012)		(1,359)
Other assets				(492)		530
Accrued interest payable and other liabilities				(6,680)		(736)
Net cash (used in) from operating activities				(4,176)		2,513
Cash flows used in investing activities
Proceeds from maturities				2,480		10,412
Proceeds from principal repayments				509		699
Purchases of securities				(81,196)		(6,200)
Net change in loans receivable				(99,254)		(28,682)
Loan participation purchased				0		(5,000)
Proceeds from sale of foreclosed assets				244		2,698
Purchase of premises and equipment, net				(1,065)		(1,037)
Net cash used in investing activities				(178,282)		(27,110)
Cash flows (used in) from financing activities
Deposits				(43,681)		45,030
Borrowings				(5,000)		1,000
Advance payments by borrowers for taxes and insurance				2,879		1,412
Proceeds from issuance of Subordinated Notes				0		20,000
Costs paid for issuance of Subordinated Notes				0		(441)
Repurchase and retirement of common stock				(793)		(6,945)
Cash dividends paid on common stock				(2,638)		(2,919)
Net cash (used in) from financing activities				(49,233)		57,137
Net change in cash and cash equivalents				(231,691)		32,540
Beginning cash and cash equivalents				502,162	$ 502,162	503,496
Ending cash and cash equivalents		$ 270,471	$ 536,036	270,471		536,036
Supplemental disclosures of cash flow information:
Interest paid				1,396		1,234
Income taxes paid				707		1,831
Income taxes refunded				8		0
Loans transferred to foreclosed assets				319		4,473
Bank-owned life insurance death benefit				275		0
Recording of right of use asset in exchange for lease obligations in other assets and other liabilities				$ 0		$ 866
[1]Not within the scope of ASC 606

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	NOTE 1 Basis of Presentation six June 30, 2022 not may December 31, 2022 Certain information and note disclosures normally included in financial statements prepared in conformity with accounting principles generally accepted in the United States of America (“US GAAP”) have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). Use of Estimates Factored Receivables: may third June 30, 2022 December 31, 2021 June 30, 2022 December 31, 2021 Factoring fees are recognized in interest income as incurred by the customer and deducted from the customer's reserve balances. Other factoring-related fees, which include wire transfer fees, broker fees, and other similar fees, are reported by the Company as loan servicing fees in noninterest income. Reclassifications These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10 December 31, 2021 Newly Issued Not In June 2016, No. 2016 13, 326 2016 13” 2016 13 December 15, 2022.

Note 2 - Earnings Per Share

Note 2 - Earnings Per Share	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 2 Amounts reported in earnings per share reflect earnings available to common stockholders for the period divided by the weighted average number of shares of common stock outstanding during the period. Three Months Ended Six Months Ended June 30, June 30, 2022 2021 2022 2021 Net income available to common stockholders $ 2,567 $ 1,926 $ 3,835 $ 3,395 Basic and diluted weighted average common shares outstanding 13,165,023 14,433,748 13,184,424 14,577,958 Basic and diluted earnings per common share $ 0.19 $ 0.13 $ 0.29 $ 0.23

Note 3 - Securities

Note 3 - Securities	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 3 The fair value of securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income is as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities June 30, 2022 Certificates of deposit $ 248 $ — $ — $ 248 Municipal securities 400 — (13 ) 387 U.S. Treasury Notes 157,573 197 (5,193 ) 152,577 Mortgage-backed securities - residential 4,362 53 (33 ) 4,382 Collateralized mortgage obligations - residential 1,366 — (9 ) 1,357 $ 163,949 $ 250 $ (5,248 ) $ 158,951 December 31, 2021 Certificates of deposit $ 2,728 $ — $ — $ 2,728 U.S. Treasury Notes 76,621 8 (76 ) 76,553 Mortgage-backed securities - residential 4,660 173 — 4,833 Collateralized mortgage obligations - residential 1,576 4 — 1,580 $ 85,585 $ 185 $ (76 ) $ 85,694 Mortgage-backed securities and collateralized mortgage obligations reflected in the preceding table were issued by U.S. government-sponsored entities and agencies, Freddie Mac, Fannie Mae and Ginnie Mae, and are obligations which the government has affirmed its commitment to support. The amortized cost and fair values of securities available-for-sale by contractual maturity are shown below. Securities not may may June 30, 2022 Amortized Cost Fair Value Due in one year or less $ 408 $ 407 Due after one year through five years 157,813 152,805 158,221 153,212 Mortgage-backed securities - residential 4,362 4,382 Collateralized mortgage obligations - residential 1,366 1,357 $ 163,949 $ 158,951 Securities available-for-sale with unrealized losses not Less than 12 Months 12 Months or More Total Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss June 30, 2022 Municipal securities 2 $ 387 $ (13 ) — $ — $ — 2 $ 387 $ (13 ) U.S. Treasury Notes 187 123,930 (5,193 ) — — — 187 123,930 (5,193 ) Mortgage-backed securities - residential 15 2,746 (33 ) — — — 15 2,746 (33 ) Collateralized mortgage obligations - residential 5 1,126 (7 ) 1 197 (2 ) 6 1,323 (9 ) 209 $ 128,189 $ (5,246 ) 1 $ 197 $ (2 ) 210 $ 128,386 $ (5,248 ) December 31, 2021 U.S. Treasury Notes 53 $ 62,246 $ (76 ) — $ — $ — 53 $ 62,246 $ (76 ) The Company evaluates marketable investment securities with significant declines in fair value on a quarterly basis to determine whether they should be considered other-than-temporarily impaired under current accounting guidance, which generally provides that if a marketable security is in an unrealized loss position, whether due to general market conditions or industry or issuer-specific factors, the holder of the securities must assess whether the impairment is other-than-temporary. U.S. Treasury Notes and certain other available-for-sale securities that the Company holds in its investment portfolio were in an unrealized loss position at June 30, 2022 not not not

Note 4 - Loans Receivable

Note 4 - Loans Receivable	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 Loans receivable are as follows: June 30, 2022 December 31, 2021 One-to-four family residential real estate $ 26,247 $ 30,133 Multi-family mortgage 485,742 426,136 Nonresidential real estate 115,983 103,172 Construction and land 84 — Commercial loans and leases 519,662 489,512 Consumer 1,574 1,685 1,149,292 1,050,638 Net deferred loan origination costs 653 284 Allowance for loan losses (7,202 ) (6,715 ) Loans, net $ 1,142,743 $ 1,044,207 The following tables present the balance in the allowance for loan losses and loans receivable by portfolio segment and based on impairment method: Allowance for loan losses Loan Balances Individually evaluated for impairment Collectively evaluated for impairment Total Individually evaluated for impairment Collectively evaluated for impairment Total June 30, 2022 One-to-four family residential real estate $ — $ 286 $ 286 $ 1,046 $ 25,201 $ 26,247 Multi-family mortgage — 3,630 3,630 485 485,257 485,742 Nonresidential real estate — 1,093 1,093 — 115,983 115,983 Construction and land — 2 2 — 84 84 Commercial loans and leases — 2,149 2,149 667 518,995 519,662 Consumer — 42 42 — 1,574 1,574 $ — $ 7,202 $ 7,202 $ 2,198 $ 1,147,094 1,149,292 Net deferred loan origination costs 653 Allowance for loan losses (7,202 ) Loans, net $ 1,142,743 Allowance for loan losses Loan Balances Individually evaluated for impairment Collectively evaluated for impairment Total Individually evaluated for impairment Collectively evaluated for impairment Total December 31, 2021 One-to-four family residential real estate $ — $ 331 $ 331 $ 1,299 $ 28,834 $ 30,133 Multi-family mortgage — 3,377 3,377 498 425,638 426,136 Nonresidential real estate 30 1,281 1,311 297 102,875 103,172 Commercial loans and leases — 1,652 1,652 76 489,436 489,512 Consumer — 44 44 — 1,685 1,685 $ 30 $ 6,685 $ 6,715 $ 2,170 $ 1,048,468 1,050,638 Net deferred loan origination costs 284 Allowance for loan losses (6,715 ) Loans, net $ 1,044,207 The following table represents the activity in the allowance for loan losses by portfolio segment: Beginning balance Provision for (recovery of) loan losses Loans charged off Recoveries Ending balance For the three months ended June 30, 2022 One-to-four family residential real estate $ 315 $ (31 ) $ (1 ) $ 3 $ 286 Multi-family mortgage 3,390 236 — 4 3,630 Nonresidential real estate 957 134 — 2 1,093 Construction and land — 2 — — 2 Commercial loans and leases 2,078 122 (51 ) — 2,149 Consumer 46 (4 ) (15 ) 15 42 $ 6,786 $ 459 $ (67 ) $ 24 $ 7,202 June 30, 2021 One-to-four family residential real estate $ 465 $ (118 ) $ — $ 49 $ 396 Multi-family mortgage 3,902 (222 ) — 10 3,690 Nonresidential real estate 1,592 (256 ) — — 1,336 Construction and land 12 (1 ) — — 11 Commercial loans and leases 1,377 (87 ) — 87 1,377 Consumer 47 6 (6 ) — 47 $ 7,395 $ (678 ) $ (6 ) $ 146 $ 6,857 Beginning balance Provision for (recovery of) loan losses Loans charged off Recoveries Ending balance For the six months ended June 30, 2022 One-to-four family residential real estate $ 331 $ (45 ) $ (5 ) $ 5 $ 286 Multi-family mortgage 3,377 244 — 9 3,630 Nonresidential real estate 1,311 (28 ) (192 ) 2 1,093 Construction and land — 2 — 2 Commercial loans and leases 1,652 547 (51 ) 1 2,149 Consumer 44 15 (33 ) 16 42 $ 6,715 $ 735 $ (281 ) $ 33 $ 7,202 June 30, 2021 One-to-four family residential real estate $ 518 $ (231 ) $ — $ 109 $ 396 Multi-family mortgage 4,062 (393 ) — 21 3,690 Nonresidential real estate 1,569 (233 ) — — 1,336 Construction and land 12 (1 ) — — 11 Commercial loans and leases 1,536 (161 ) (86 ) 88 1,377 Consumer 54 6 (15 ) 2 47 $ 7,751 $ (1,013 ) $ (101 ) $ 220 $ 6,857 Impaired loans The following tables present loans individually evaluated for impairment by class of loans: Three Months Ended Six Months Ended June 30, 2022 June 30, 2022 Loan Balance Recorded Investment Partial Charge-off Allowance for Loan Losses Allocated Average Investment in Impaired Loans Interest Income Recognized Average Investment in Impaired Loans Interest Income Recognized June 30, 2022 With no related allowance recorded: One-to-four family residential real estate $ 1,046 $ 1,046 $ — $ — $ 1,057 $ 5 $ 1,132 $ 11 Multi-family mortgage - Illinois 485 485 — — 748 7 640 14 Commercial loans and leases 689 667 10 — 279 3 195 9 $ 2,220 $ 2,198 $ 10 $ — $ 2,084 $ 15 $ 1,967 $ 34 Year ended December 31, 2021 Loan Balance Recorded Investment Partial Charge-off Allowance for Loan Losses Allocated Average Investment in Impaired Loans Interest Income Recognized December 31, 2021 With no related allowance recorded: One-to-four family residential real estate $ 1,299 $ 1,299 $ — $ — $ 1,473 $ 29 Multi-family mortgage - Illinois 498 498 — — 509 30 Commercial loans and leases 83 76 7 — 7 — 1,880 1,873 7 — 1,989 59 With an allowance recorded - nonresidential real estate 280 297 7 30 296 — $ 2,160 $ 2,170 $ 14 $ 30 $ 2,285 $ 59 Nonaccrual Loans The following tables present the recorded investment in nonaccrual and loans 90 Nonaccrual Recorded Investment Loans Past Due Over 90 Days Still Accruing June 30, 2022 One-to-four family residential real estate $ 323 $ — Equipment finance 610 753 $ 933 $ 753 December 31, 2021 One-to-four family residential real estate $ 367 $ — Nonresidential real estate 297 — Asset based & factored receivables — 10 Equipment finance 76 — $ 740 $ 10 Nonaccrual loans and impaired loans are defined differently. Some loans may may one The Company’s reserve for uncollected loan interest was $58,000 and $140,000 at June 30, 2022 December 31, 2021 310–10, 310–10, Past Due Loans The following tables present the aging of the recorded investment of loans by class of loans: 30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Past Due Total Past Due Loans Not Past Due Total June 30, 2022 One-to-four family residential real estate loans: Owner occupied $ — $ 224 $ 301 $ 525 $ 21,025 $ 21,550 Non-owner occupied 2 81 — 83 4,614 4,697 Multi-family mortgage: Illinois — — — — 277,845 277,845 Other — — — — 207,897 207,897 Nonresidential real estate — — — — 115,983 115,983 Construction and land — — — — 84 84 Commercial loans and leases: Commercial — — — — 53,772 53,772 Asset based & factored receivables 254 60 — 314 32,546 32,860 Equipment finance: Government — 17,090 — 17,090 191,797 208,887 Corporate - Investment-grade — 566 213 779 64,018 64,797 Corporate - Other 225 280 331 836 74,826 75,662 Middle market — 538 753 1,291 58,166 59,457 Small ticket — — 66 66 24,161 24,227 Consumer 5 11 — 16 1,558 1,574 $ 486 $ 18,850 $ 1,664 $ 21,000 $ 1,128,292 $ 1,149,292 30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Past Due Total Past Due Loans Not Past Due Total December 31, 2021 One-to-four family residential real estate loans: Owner occupied $ 181 $ 250 $ 367 $ 798 $ 23,333 $ 24,131 Non-owner occupied 2 9 — 11 5,991 6,002 Multi-family mortgage: Illinois 189 — — 189 235,681 235,870 Other — — — — 190,266 190,266 Nonresidential real estate — — 297 297 102,875 103,172 Commercial loans and leases: Commercial — — — — 67,995 67,995 Asset based & factored receivables 26 6 10 42 19,358 19,400 Equipment finance: Government 3,160 4,718 — 7,878 170,584 178,462 Corporate - Investment-grade 290 1,201 — 1,491 81,135 82,626 Corporate - Other 3,015 — 76 3,091 85,760 88,851 Middle market — — — — 40,582 40,582 Small ticket — — — — 11,596 11,596 Consumer 13 4 — 17 1,668 1,685 $ 6,876 $ 6,188 $ 750 $ 13,814 $ 1,036,824 $ 1,050,638 U.S. Small Business Administration Paycheck Protection Program (“PPP”) In response to the COVID- 19 March 27, 2020. The following table presents the PPP activity: Three Months Ended June 30, For the Six Months Ended June 30, 2022 2021 2022 2021 Paycheck Protection Program: Number of loans originated — 45 — 238 Loan balance originations $ — $ 1,511 $ — $ 10,135 Loan balance forgiven $ 773 $ 1,834 $ 3,132 $ 9,737 June 30, 2022 December 31, 2021 Paycheck Protection Program loans Number of loans 26 76 Loan balance $ 911 $ 4,043 Troubled Debt Restructurings (“TDR”) The Company evaluates loan extensions or modifications in accordance with FASB ASC 340 10 Under ASC 340 10, The Company had no TDRs at June 30, 2022 December 31, 2021 three six June 30, 2022 2021 three six June 30, 2022 2021 no twelve A loan is considered to be in payment default once it is 90 To determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans based on credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a monthly basis. The Company uses the following definitions for risk ratings: Special Mention. may not not Substandard. may not not Nonaccrual. one Pass. not Based on the most recent analysis performed, the risk categories of loans by class of loans are as follows: Pass Special Mention Substandard Nonaccrual Total June 30, 2022 One-to-four family residential real estate loans: Owner occupied $ 20,876 $ — $ 351 $ 323 $ 21,550 Non-owner occupied 4,624 — 73 — 4,697 Multi-family mortgage: Illinois 277,524 321 — — 277,845 Other 207,897 — — — 207,897 Nonresidential real estate 115,983 — — — 115,983 Construction and land 84 — — — 84 Commercial loans and leases: Commercial 53,772 — — — 53,772 Asset based & factored receivables 29,044 3,816 — — 32,860 Equipment finance: Government 208,887 — — — 208,887 Corporate - Investment-grade 64,584 — — 213 64,797 Corporate - Other 75,275 — 56 331 75,662 Middle market 59,457 — — — 59,457 Small ticket 24,161 — — 66 24,227 Consumer 1,564 5 5 — 1,574 $ 1,143,732 $ 4,142 $ 485 $ 933 $ 1,149,292 Pass Special Mention Substandard Nonaccrual Total December 31, 2021 One-to-four family residential real estate loans: Owner occupied $ 23,396 $ — $ 368 $ 367 $ 24,131 Non-owner occupied 5,894 — 108 — 6,002 Multi-family mortgage: Illinois 235,545 325 — — 235,870 Other 190,266 — — — 190,266 Nonresidential real estate 102,875 — — 297 103,172 Commercial loans and leases: Commercial 67,995 — — — 67,995 Asset based & factored receivables 19,400 — — — 19,400 Equipment finance: Government 178,427 35 — — 178,462 Corporate - Investment-grade 82,626 — — — 82,626 Corporate - Other 87,685 1,090 — 76 88,851 Middle market 40,582 — — — 40,582 Small ticket 11,596 — — — 11,596 Consumer 1,675 4 6 — 1,685 $ 1,047,962 $ 1,454 $ 482 $ 740 $ 1,050,638

Note 5 - Foreclosed Assets

Note 5 - Foreclosed Assets	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Foreclosed Assets [Text Block]	NOTE 5 Real estate that is acquired through foreclosure or a deed in lieu of foreclosure is classified as other real estate owned ("OREO") until it is sold. When real estate is acquired through foreclosure or by deed in lieu of foreclosure, it is recorded at its fair value, less the estimated costs of disposal. If the fair value of the property is less than the loan balance, the difference is charged against the allowance for loan losses. Assets are classified as foreclosed when physical possession of the collateral is taken regardless of whether foreclosure proceedings have taken place. Other foreclosed assets received in satisfaction of borrowers debt are initially recorded at fair value of the asset less estimated costs to sell. June 30, 2022 December 31, 2021 Balance Valuation Allowance Net Balance Balance Valuation Allowance Net Balance Foreclosed assets - Nonresidential real estate OREO $ 274 $ — $ 274 $ — $ — $ — Other foreclosed assets 768 (200 ) 568 952 (227 ) 725 $ 1,042 $ (200 ) $ 842 $ 952 $ (227 ) $ 725 The following represents the roll forward of foreclosed assets: For the Three Months Ended For the Six Months Ended June 30, June 30, 2022 2021 2022 2021 Beginning balance $ 968 $ 4,630 $ 725 $ 157 New foreclosed assets 45 — 319 4,473 Valuation adjustments — (281 ) — (281 ) Valuation reductions from sales 19 — 27 — Sales (190 ) (2,647 ) (229 ) (2,647 ) Ending balance $ 842 $ 1,702 $ 842 $ 1,702 Activity in the valuation allowance is as follows: For the Three Months Ended For the Six Months Ended June 30, June 30, 2022 2021 2022 2021 Beginning balance $ 219 $ — $ 227 $ — Additions charged to expense — 281 — 281 Reductions from sales (19 ) — (27 ) — Ending balance $ 200 $ 281 $ 200 $ 281 The recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in proc ess was $73,000 at June 30, 2022 December 31, 2021 June 30, 2022 June 30, 2022 no

Note 6 - Borrowings and Subordi

Note 6 - Borrowings and Subordinated Notes	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 6 Borrowings and subordinated notes were as follows: June 30, 2022 December 31, 2021 Contractual Contractual Rate Amount Rate Amount Fixed-rate advance from FHLB, due May 9, 2022 — % $ — — % $ 5,000 Subordinated notes, due May 15, 2031 3.75 % 19,612 3.75 % 19,590 Line of credit, due March 30, 2023 4.00 % — 2.50 % — In 2021, May 15, 2031 ( June 30, 2022 December 31, 2021 The Notes bear interest at a fixed annual rate of 3.75%, from and including the date of issuance to May 14, 2026, May 15, 2026 may May 15, 2031 May 15, 2026, Principal and interest payments due on the Notes are subject to acceleration only in limited circumstances in the case of certain bankruptcy and insolvency-related events with respect to the Company. The Notes are unsecured, subordinated obligations of the Company and generally rank junior in right of payment to the Company’s current and future senior indebtedness. The Notes qualify as Tier 2 In 2020, any established a $5.0 million unsecured line of credit with a correspondent bank. Interest is payable at a rate of Prime Rate as published in the Wall Street Journal minus 0.75%, with a minimum rate of 2.40%. The line of credit has been extended since its original maturity date and the current maturity date is March 30, 2023. June 30, 2022 December 31, 2021

Note 7 - Fair Value

Note 7 - Fair Value	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 7– Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three may • Level 1 • Level 2 1 not • Level 3 The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Securities 1 2 Impaired loans: may may 3 Foreclosed assets: no may The following table sets forth the Company’s financial assets that were accounted for at fair value and are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. Fair Value Measurements Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value June 30, 2022 Securities: Certificates of deposit $ — $ 248 $ — $ 248 Municipal securities — 387 — 387 U.S. Treasury Notes 152,577 — — 152,577 Mortgage-backed securities – residential — 4,382 — 4,382 Collateralized mortgage obligations – residential — 1,357 — 1,357 $ 152,577 $ 6,374 $ — $ 158,951 December 31, 2021 Securities: Certificates of deposit $ — $ 2,728 $ — $ 2,728 U.S. Treasury Notes 76,553 — — 76,553 Mortgage-backed securities - residential — 4,833 — 4,833 Collateralized mortgage obligations – residential — 1,580 — 1,580 $ 76,553 $ 9,141 $ — $ 85,694 The following table sets forth the Company’s assets that were measured at fair value on a non-recurring basis: Fair Value Measurement Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value June 30, 2022 Foreclosed assets $ — $ — $ 523 $ 523 December 31, 2021 Impaired loans $ — $ — $ 267 $ 267 Foreclosed assets $ — $ — $ 725 $ 725 Impaired loans, which are measured for impairment using the fair value of the collateral for collateral-dependent loans, had a carrying amount of $297,000, with a valuation allowance of $30,000 at December 31, 2021 . With respect to impaired loans, there was no three June 30, 2022, six June 30, 2022 no for the three six June 30, 2021 . Foreclosed assets are carried at the lower of cost or fair value less costs to sell. At June 30, 2022 foreclosed assets had a carrying value of $723,000 less a valuation allowance of $200,000, or $523,000. At December 31, 2021 , foreclosed assets had a carrying value of $952,000 less a valuation allowance of $227,000, $725,000. three six June 30, 2022 compared to three six June 30, 2021. The following table presents quantitative information, based on certain empirical data with respect to Level 3 Fair Value Valuation Technique(s) Significant Unobservable Input(s) Range (Weighted Average) June 30, 2022 Foreclosed assets $ 523 Redemption value Discount applied to valuation 8.4 % December 31, 2021 Impaired loans $ 267 Sales comparison Discount applied to valuation 22.0 % Foreclosed assets $ 725 Redemption value Discount applied to valuation 15.6 % The carrying amount and estimated fair value of financial instruments are as follows: Fair Value Measurements at June 30, 2022 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 270,471 $ 265,253 $ 5,218 $ — $ 270,471 Securities 158,951 152,577 6,374 — 158,951 Loans receivable, net of allowance for loan losses 1,142,743 — — 1,126,357 1,126,357 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 6,660 278 11 6,371 6,660 Financial liabilities Certificates of deposit 193,110 — 190,200 — 190,200 Subordinated notes 19,612 — 18,675 — 18,675 Fair Value Measurements at December 31, 2021 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 502,162 $ 448,552 $ 53,610 $ — $ 502,162 Securities 85,694 76,553 9,141 — 85,694 Loans receivable, net of allowance for loan losses 1,044,207 — — 1,039,298 1,039,298 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 4,648 79 13 4,556 4,648 Financial liabilities Certificates of deposit 206,918 — 206,530 — 206,530 Borrowings 5,000 — 4,999 — 4,999 Subordinated notes 19,590 — 20,240 — 20,240 Loans third may not While the above estimates are based on management’s judgment of the most appropriate factors, as of the balance sheet date, there is no may not In addition, other assets and liabilities that are not not

Note 8 - Revenue From Contracts

Note 8 - Revenue From Contracts With Customers	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	NOTE 8 All of the Company's revenue from contracts with customers within the scope of ASC 606 606 Three Months Ended Six Months Ended June 30, June 30, 2022 2021 2022 2021 Deposit service charges and fees $ 826 $ 800 $ 1,607 $ 1,538 Loan servicing fees (1) 190 141 291 196 Mortgage brokerage and banking fees (1) 9 5 17 17 Trust and insurance commissions and annuities income 262 283 600 617 Earnings on bank-owned life insurance (1) 11 30 39 51 Bank-owned life insurance death benefit (1) 446 — 446 — Other (1) 95 167 283 265 Total noninterest income $ 1,839 $ 1,426 $ 3,283 $ 2,684 ( 1 Not 606 A description of the Company's revenue streams accounted for under ASC 606 Deposit service charges and fees: Interchange income: three June 30, 2022 2021 six June 30, 2022 2021 Trust and insurance commissions and annuities income: i.e Gains/losses on sales of foreclosed assets and other assets: for the three six June 30, 2022 2021 not

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2022
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation six June 30, 2022 not may December 31, 2022 Certain information and note disclosures normally included in financial statements prepared in conformity with accounting principles generally accepted in the United States of America (“US GAAP”) have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”).
Use of Estimates, Policy [Policy Text Block]	Use of Estimates
Loans and Loan Income [Policy Text Block]	Factored Receivables: may third June 30, 2022 December 31, 2021 June 30, 2022 December 31, 2021 Factoring fees are recognized in interest income as incurred by the customer and deducted from the customer's reserve balances. Other factoring-related fees, which include wire transfer fees, broker fees, and other similar fees, are reported by the Company as loan servicing fees in noninterest income.
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10 December 31, 2021
New Accounting Pronouncements, Policy [Policy Text Block]	Newly Issued Not In June 2016, No. 2016 13, 326 2016 13” 2016 13 December 15, 2022.

Note 2 - Earnings Per Share (Ta

Note 2 - Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, 2022 2021 2022 2021 Net income available to common stockholders $ 2,567 $ 1,926 $ 3,835 $ 3,395 Basic and diluted weighted average common shares outstanding 13,165,023 14,433,748 13,184,424 14,577,958 Basic and diluted earnings per common share $ 0.19 $ 0.13 $ 0.29 $ 0.23

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Available-for-Sale Securities Reconciliation [Table Text Block]	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities June 30, 2022 Certificates of deposit $ 248 $ — $ — $ 248 Municipal securities 400 — (13 ) 387 U.S. Treasury Notes 157,573 197 (5,193 ) 152,577 Mortgage-backed securities - residential 4,362 53 (33 ) 4,382 Collateralized mortgage obligations - residential 1,366 — (9 ) 1,357 $ 163,949 $ 250 $ (5,248 ) $ 158,951 December 31, 2021 Certificates of deposit $ 2,728 $ — $ — $ 2,728 U.S. Treasury Notes 76,621 8 (76 ) 76,553 Mortgage-backed securities - residential 4,660 173 — 4,833 Collateralized mortgage obligations - residential 1,576 4 — 1,580 $ 85,585 $ 185 $ (76 ) $ 85,694
Investments Classified by Contractual Maturity Date [Table Text Block]	June 30, 2022 Amortized Cost Fair Value Due in one year or less $ 408 $ 407 Due after one year through five years 157,813 152,805 158,221 153,212 Mortgage-backed securities - residential 4,362 4,382 Collateralized mortgage obligations - residential 1,366 1,357 $ 163,949 $ 158,951
Schedule of Unrealized Loss on Investments [Table Text Block]	Less than 12 Months 12 Months or More Total Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss June 30, 2022 Municipal securities 2 $ 387 $ (13 ) — $ — $ — 2 $ 387 $ (13 ) U.S. Treasury Notes 187 123,930 (5,193 ) — — — 187 123,930 (5,193 ) Mortgage-backed securities - residential 15 2,746 (33 ) — — — 15 2,746 (33 ) Collateralized mortgage obligations - residential 5 1,126 (7 ) 1 197 (2 ) 6 1,323 (9 ) 209 $ 128,189 $ (5,246 ) 1 $ 197 $ (2 ) 210 $ 128,386 $ (5,248 ) December 31, 2021 U.S. Treasury Notes 53 $ 62,246 $ (76 ) — $ — $ — 53 $ 62,246 $ (76 )

Note 4 - Loans Receivable (Tabl

Note 4 - Loans Receivable (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	June 30, 2022 December 31, 2021 One-to-four family residential real estate $ 26,247 $ 30,133 Multi-family mortgage 485,742 426,136 Nonresidential real estate 115,983 103,172 Construction and land 84 — Commercial loans and leases 519,662 489,512 Consumer 1,574 1,685 1,149,292 1,050,638 Net deferred loan origination costs 653 284 Allowance for loan losses (7,202 ) (6,715 ) Loans, net $ 1,142,743 $ 1,044,207
Financing Receivable and Allowance for Loan Losses Based on Impairment Method [Table Text Block]	Allowance for loan losses Loan Balances Individually evaluated for impairment Collectively evaluated for impairment Total Individually evaluated for impairment Collectively evaluated for impairment Total June 30, 2022 One-to-four family residential real estate $ — $ 286 $ 286 $ 1,046 $ 25,201 $ 26,247 Multi-family mortgage — 3,630 3,630 485 485,257 485,742 Nonresidential real estate — 1,093 1,093 — 115,983 115,983 Construction and land — 2 2 — 84 84 Commercial loans and leases — 2,149 2,149 667 518,995 519,662 Consumer — 42 42 — 1,574 1,574 $ — $ 7,202 $ 7,202 $ 2,198 $ 1,147,094 1,149,292 Net deferred loan origination costs 653 Allowance for loan losses (7,202 ) Loans, net $ 1,142,743 Allowance for loan losses Loan Balances Individually evaluated for impairment Collectively evaluated for impairment Total Individually evaluated for impairment Collectively evaluated for impairment Total December 31, 2021 One-to-four family residential real estate $ — $ 331 $ 331 $ 1,299 $ 28,834 $ 30,133 Multi-family mortgage — 3,377 3,377 498 425,638 426,136 Nonresidential real estate 30 1,281 1,311 297 102,875 103,172 Commercial loans and leases — 1,652 1,652 76 489,436 489,512 Consumer — 44 44 — 1,685 1,685 $ 30 $ 6,685 $ 6,715 $ 2,170 $ 1,048,468 1,050,638 Net deferred loan origination costs 284 Allowance for loan losses (6,715 ) Loans, net $ 1,044,207
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Beginning balance Provision for (recovery of) loan losses Loans charged off Recoveries Ending balance For the three months ended June 30, 2022 One-to-four family residential real estate $ 315 $ (31 ) $ (1 ) $ 3 $ 286 Multi-family mortgage 3,390 236 — 4 3,630 Nonresidential real estate 957 134 — 2 1,093 Construction and land — 2 — — 2 Commercial loans and leases 2,078 122 (51 ) — 2,149 Consumer 46 (4 ) (15 ) 15 42 $ 6,786 $ 459 $ (67 ) $ 24 $ 7,202 June 30, 2021 One-to-four family residential real estate $ 465 $ (118 ) $ — $ 49 $ 396 Multi-family mortgage 3,902 (222 ) — 10 3,690 Nonresidential real estate 1,592 (256 ) — — 1,336 Construction and land 12 (1 ) — — 11 Commercial loans and leases 1,377 (87 ) — 87 1,377 Consumer 47 6 (6 ) — 47 $ 7,395 $ (678 ) $ (6 ) $ 146 $ 6,857 Beginning balance Provision for (recovery of) loan losses Loans charged off Recoveries Ending balance For the six months ended June 30, 2022 One-to-four family residential real estate $ 331 $ (45 ) $ (5 ) $ 5 $ 286 Multi-family mortgage 3,377 244 — 9 3,630 Nonresidential real estate 1,311 (28 ) (192 ) 2 1,093 Construction and land — 2 — 2 Commercial loans and leases 1,652 547 (51 ) 1 2,149 Consumer 44 15 (33 ) 16 42 $ 6,715 $ 735 $ (281 ) $ 33 $ 7,202 June 30, 2021 One-to-four family residential real estate $ 518 $ (231 ) $ — $ 109 $ 396 Multi-family mortgage 4,062 (393 ) — 21 3,690 Nonresidential real estate 1,569 (233 ) — — 1,336 Construction and land 12 (1 ) — — 11 Commercial loans and leases 1,536 (161 ) (86 ) 88 1,377 Consumer 54 6 (15 ) 2 47 $ 7,751 $ (1,013 ) $ (101 ) $ 220 $ 6,857
Impaired Financing Receivables [Table Text Block]	Three Months Ended Six Months Ended June 30, 2022 June 30, 2022 Loan Balance Recorded Investment Partial Charge-off Allowance for Loan Losses Allocated Average Investment in Impaired Loans Interest Income Recognized Average Investment in Impaired Loans Interest Income Recognized June 30, 2022 With no related allowance recorded: One-to-four family residential real estate $ 1,046 $ 1,046 $ — $ — $ 1,057 $ 5 $ 1,132 $ 11 Multi-family mortgage - Illinois 485 485 — — 748 7 640 14 Commercial loans and leases 689 667 10 — 279 3 195 9 $ 2,220 $ 2,198 $ 10 $ — $ 2,084 $ 15 $ 1,967 $ 34 Year ended December 31, 2021 Loan Balance Recorded Investment Partial Charge-off Allowance for Loan Losses Allocated Average Investment in Impaired Loans Interest Income Recognized December 31, 2021 With no related allowance recorded: One-to-four family residential real estate $ 1,299 $ 1,299 $ — $ — $ 1,473 $ 29 Multi-family mortgage - Illinois 498 498 — — 509 30 Commercial loans and leases 83 76 7 — 7 — 1,880 1,873 7 — 1,989 59 With an allowance recorded - nonresidential real estate 280 297 7 30 296 — $ 2,160 $ 2,170 $ 14 $ 30 $ 2,285 $ 59
Financing Receivable, Nonaccrual [Table Text Block]	Nonaccrual Recorded Investment Loans Past Due Over 90 Days Still Accruing June 30, 2022 One-to-four family residential real estate $ 323 $ — Equipment finance 610 753 $ 933 $ 753 December 31, 2021 One-to-four family residential real estate $ 367 $ — Nonresidential real estate 297 — Asset based & factored receivables — 10 Equipment finance 76 — $ 740 $ 10
Financing Receivable, Past Due [Table Text Block]	30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Past Due Total Past Due Loans Not Past Due Total June 30, 2022 One-to-four family residential real estate loans: Owner occupied $ — $ 224 $ 301 $ 525 $ 21,025 $ 21,550 Non-owner occupied 2 81 — 83 4,614 4,697 Multi-family mortgage: Illinois — — — — 277,845 277,845 Other — — — — 207,897 207,897 Nonresidential real estate — — — — 115,983 115,983 Construction and land — — — — 84 84 Commercial loans and leases: Commercial — — — — 53,772 53,772 Asset based & factored receivables 254 60 — 314 32,546 32,860 Equipment finance: Government — 17,090 — 17,090 191,797 208,887 Corporate - Investment-grade — 566 213 779 64,018 64,797 Corporate - Other 225 280 331 836 74,826 75,662 Middle market — 538 753 1,291 58,166 59,457 Small ticket — — 66 66 24,161 24,227 Consumer 5 11 — 16 1,558 1,574 $ 486 $ 18,850 $ 1,664 $ 21,000 $ 1,128,292 $ 1,149,292 30-59 Days Past Due 60-89 Days Past Due 90 Days or Greater Past Due Total Past Due Loans Not Past Due Total December 31, 2021 One-to-four family residential real estate loans: Owner occupied $ 181 $ 250 $ 367 $ 798 $ 23,333 $ 24,131 Non-owner occupied 2 9 — 11 5,991 6,002 Multi-family mortgage: Illinois 189 — — 189 235,681 235,870 Other — — — — 190,266 190,266 Nonresidential real estate — — 297 297 102,875 103,172 Commercial loans and leases: Commercial — — — — 67,995 67,995 Asset based & factored receivables 26 6 10 42 19,358 19,400 Equipment finance: Government 3,160 4,718 — 7,878 170,584 178,462 Corporate - Investment-grade 290 1,201 — 1,491 81,135 82,626 Corporate - Other 3,015 — 76 3,091 85,760 88,851 Middle market — — — — 40,582 40,582 Small ticket — — — — 11,596 11,596 Consumer 13 4 — 17 1,668 1,685 $ 6,876 $ 6,188 $ 750 $ 13,814 $ 1,036,824 $ 1,050,638
Financing Receivable Credit Quality Indicators [Table Text Block]	Pass Special Mention Substandard Nonaccrual Total June 30, 2022 One-to-four family residential real estate loans: Owner occupied $ 20,876 $ — $ 351 $ 323 $ 21,550 Non-owner occupied 4,624 — 73 — 4,697 Multi-family mortgage: Illinois 277,524 321 — — 277,845 Other 207,897 — — — 207,897 Nonresidential real estate 115,983 — — — 115,983 Construction and land 84 — — — 84 Commercial loans and leases: Commercial 53,772 — — — 53,772 Asset based & factored receivables 29,044 3,816 — — 32,860 Equipment finance: Government 208,887 — — — 208,887 Corporate - Investment-grade 64,584 — — 213 64,797 Corporate - Other 75,275 — 56 331 75,662 Middle market 59,457 — — — 59,457 Small ticket 24,161 — — 66 24,227 Consumer 1,564 5 5 — 1,574 $ 1,143,732 $ 4,142 $ 485 $ 933 $ 1,149,292 Pass Special Mention Substandard Nonaccrual Total December 31, 2021 One-to-four family residential real estate loans: Owner occupied $ 23,396 $ — $ 368 $ 367 $ 24,131 Non-owner occupied 5,894 — 108 — 6,002 Multi-family mortgage: Illinois 235,545 325 — — 235,870 Other 190,266 — — — 190,266 Nonresidential real estate 102,875 — — 297 103,172 Commercial loans and leases: Commercial 67,995 — — — 67,995 Asset based & factored receivables 19,400 — — — 19,400 Equipment finance: Government 178,427 35 — — 178,462 Corporate - Investment-grade 82,626 — — — 82,626 Corporate - Other 87,685 1,090 — 76 88,851 Middle market 40,582 — — — 40,582 Small ticket 11,596 — — — 11,596 Consumer 1,675 4 6 — 1,685 $ 1,047,962 $ 1,454 $ 482 $ 740 $ 1,050,638
Paycheck Protection Program Loans [Member]
Notes Tables
Schedule of Unusual or Infrequent Items, or Both [Table Text Block]	Three Months Ended June 30, For the Six Months Ended June 30, 2022 2021 2022 2021 Paycheck Protection Program: Number of loans originated — 45 — 238 Loan balance originations $ — $ 1,511 $ — $ 10,135 Loan balance forgiven $ 773 $ 1,834 $ 3,132 $ 9,737 June 30, 2022 December 31, 2021 Paycheck Protection Program loans Number of loans 26 76 Loan balance $ 911 $ 4,043

Note 5 - Foreclosed Assets (Tab

Note 5 - Foreclosed Assets (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Other Real Estate Owned and Other Foreclosed Assets [Table Text Block]	June 30, 2022 December 31, 2021 Balance Valuation Allowance Net Balance Balance Valuation Allowance Net Balance Foreclosed assets - Nonresidential real estate OREO $ 274 $ — $ 274 $ — $ — $ — Other foreclosed assets 768 (200 ) 568 952 (227 ) 725 $ 1,042 $ (200 ) $ 842 $ 952 $ (227 ) $ 725
Roll Forward of Foreclosed Assets [Table Text Block]	For the Three Months Ended For the Six Months Ended June 30, June 30, 2022 2021 2022 2021 Beginning balance $ 968 $ 4,630 $ 725 $ 157 New foreclosed assets 45 — 319 4,473 Valuation adjustments — (281 ) — (281 ) Valuation reductions from sales 19 — 27 — Sales (190 ) (2,647 ) (229 ) (2,647 ) Ending balance $ 842 $ 1,702 $ 842 $ 1,702
Foreclosed Assets, Valuation Allowance [Table Text Block]	For the Three Months Ended For the Six Months Ended June 30, June 30, 2022 2021 2022 2021 Beginning balance $ 219 $ — $ 227 $ — Additions charged to expense — 281 — 281 Reductions from sales (19 ) — (27 ) — Ending balance $ 200 $ 281 $ 200 $ 281

Note 6 - Borrowings and Subor_2

Note 6 - Borrowings and Subordinated Notes (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Federal Home Loan Bank, Advances [Table Text Block]	June 30, 2022 December 31, 2021 Contractual Contractual Rate Amount Rate Amount Fixed-rate advance from FHLB, due May 9, 2022 — % $ — — % $ 5,000 Subordinated notes, due May 15, 2031 3.75 % 19,612 3.75 % 19,590 Line of credit, due March 30, 2023 4.00 % — 2.50 % —

Note 7 - Fair Value (Tables)

Note 7 - Fair Value (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value June 30, 2022 Securities: Certificates of deposit $ — $ 248 $ — $ 248 Municipal securities — 387 — 387 U.S. Treasury Notes 152,577 — — 152,577 Mortgage-backed securities – residential — 4,382 — 4,382 Collateralized mortgage obligations – residential — 1,357 — 1,357 $ 152,577 $ 6,374 $ — $ 158,951 December 31, 2021 Securities: Certificates of deposit $ — $ 2,728 $ — $ 2,728 U.S. Treasury Notes 76,553 — — 76,553 Mortgage-backed securities - residential — 4,833 — 4,833 Collateralized mortgage obligations – residential — 1,580 — 1,580 $ 76,553 $ 9,141 $ — $ 85,694
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurement Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value June 30, 2022 Foreclosed assets $ — $ — $ 523 $ 523 December 31, 2021 Impaired loans $ — $ — $ 267 $ 267 Foreclosed assets $ — $ — $ 725 $ 725
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]	Fair Value Valuation Technique(s) Significant Unobservable Input(s) Range (Weighted Average) June 30, 2022 Foreclosed assets $ 523 Redemption value Discount applied to valuation 8.4 % December 31, 2021 Impaired loans $ 267 Sales comparison Discount applied to valuation 22.0 % Foreclosed assets $ 725 Redemption value Discount applied to valuation 15.6 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at June 30, 2022 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 270,471 $ 265,253 $ 5,218 $ — $ 270,471 Securities 158,951 152,577 6,374 — 158,951 Loans receivable, net of allowance for loan losses 1,142,743 — — 1,126,357 1,126,357 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 6,660 278 11 6,371 6,660 Financial liabilities Certificates of deposit 193,110 — 190,200 — 190,200 Subordinated notes 19,612 — 18,675 — 18,675 Fair Value Measurements at December 31, 2021 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 502,162 $ 448,552 $ 53,610 $ — $ 502,162 Securities 85,694 76,553 9,141 — 85,694 Loans receivable, net of allowance for loan losses 1,044,207 — — 1,039,298 1,039,298 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 4,648 79 13 4,556 4,648 Financial liabilities Certificates of deposit 206,918 — 206,530 — 206,530 Borrowings 5,000 — 4,999 — 4,999 Subordinated notes 19,590 — 20,240 — 20,240

Note 8 - Revenue From Contrac_2

Note 8 - Revenue From Contracts With Customers (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, 2022 2021 2022 2021 Deposit service charges and fees $ 826 $ 800 $ 1,607 $ 1,538 Loan servicing fees (1) 190 141 291 196 Mortgage brokerage and banking fees (1) 9 5 17 17 Trust and insurance commissions and annuities income 262 283 600 617 Earnings on bank-owned life insurance (1) 11 30 39 51 Bank-owned life insurance death benefit (1) 446 — 446 — Other (1) 95 167 283 265 Total noninterest income $ 1,839 $ 1,426 $ 3,283 $ 2,684

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Factored Receivable Unpaid Principal Balance	$ 7,900,000	$ 187,000
Factored Receivable, Customer Reserves	$ 962,000	$ 122,000

Note 2 - Earnings Per Share - E

Note 2 - Earnings Per Share - Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 20, 2022	Jun. 30, 2021
Net income available to common stockholders	$ 2,567	$ 1,926	$ 3,835	$ 3,835	$ 3,395
Basic and diluted weighted average common shares outstanding (in shares)	13,165,023	14,433,748	13,184,424		14,577,958
Basic and diluted earnings per common share (in dollars per share)	$ 0.19	$ 0.13	$ 0.29		$ 0.23

Note 3 - Securities - Fair Valu

Note 3 - Securities - Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Amortized cost	$ 163,949	$ 85,585
Gross unrealized gains	250	185
Gross unrealized losses	(5,248)	(76)
Fair value	158,951	85,694
Certificates of Deposit [Member]
Amortized cost	248	2,728
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	248	2,728
US States and Political Subdivisions Debt Securities [Member]
Amortized cost	400
Gross unrealized gains	0
Gross unrealized losses	(13)
Fair value	387
US Treasury Securities [Member]
Amortized cost	157,573	76,621
Gross unrealized gains	197	8
Gross unrealized losses	(5,193)	(76)
Fair value	152,577	76,553
Residential Mortgage-Backed Securities [Member]
Amortized cost	4,362	4,660
Gross unrealized gains	53	173
Gross unrealized losses	(33)	0
Fair value	4,382	4,833
Collateralized Mortgage-Backed Securities [Member]
Amortized cost	1,366	1,576
Gross unrealized gains	0	4
Gross unrealized losses	(9)	0
Fair value	$ 1,357	$ 1,580

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities By Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Due in one year or less, amortized cost	$ 408
Due in one year or less, fair value	407
Due after one year through five years, amortized cost	157,813
Due after one year through five years	152,805
Amortized cost, single maturity date, amortized cost	158,221
Fair value, single maturity date	153,212
Amortized cost	163,949	$ 85,585
Fair value	158,951	85,694
Residential Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	4,362
Fair value, without single maturity date	4,382
Amortized cost	4,362	4,660
Fair value	4,382	4,833
Collateralized Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	1,366
Fair value, without single maturity date	1,357
Amortized cost	1,366	1,576
Fair value	$ 1,357	$ 1,580

Note 3 - Securities - Securitie

Note 3 - Securities - Securities With Unrealized Losses (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Count, less than 12 months	209
Collateralized mortgage obligations - residential, fair value	$ 128,189
Unrealized loss, less than 12 months	$ (5,246)
Count, 12 months or more	1
Fair value, 12 months or more	$ 197
Unrealized loss, 12 months or more	$ (2)
Count, total	210
Fair value, total	$ 128,386
Unrealized loss, total	$ (5,248)
US States and Political Subdivisions Debt Securities [Member]
Count, less than 12 months	2
Collateralized mortgage obligations - residential, fair value	$ 387
Unrealized loss, less than 12 months	$ (13)
Count, 12 months or more	0
Fair value, 12 months or more	$ 0
Unrealized loss, 12 months or more	$ 0
Count, total	2
Fair value, total	$ 387
Unrealized loss, total	$ (13)
US Treasury Securities [Member]
Count, less than 12 months	187	53
Collateralized mortgage obligations - residential, fair value	$ 123,930	$ 62,246
Unrealized loss, less than 12 months	$ (5,193)	$ (76)
Count, 12 months or more	0	0
Fair value, 12 months or more	$ 0	$ 0
Unrealized loss, 12 months or more	$ 0	$ 0
Count, total	187	53
Fair value, total	$ 123,930	$ 62,246
Unrealized loss, total	$ (5,193)	$ (76)
Residential Mortgage-Backed Securities [Member]
Count, less than 12 months	15
Collateralized mortgage obligations - residential, fair value	$ 2,746
Unrealized loss, less than 12 months	$ (33)
Count, 12 months or more	0
Fair value, 12 months or more	$ 0
Unrealized loss, 12 months or more	$ 0
Count, total	15
Fair value, total	$ 2,746
Unrealized loss, total	$ (33)
Collateralized Mortgage-Backed Securities [Member]
Count, less than 12 months	5
Collateralized mortgage obligations - residential, fair value	$ 1,126
Unrealized loss, less than 12 months	$ (7)
Count, 12 months or more	1
Fair value, 12 months or more	$ 197
Unrealized loss, 12 months or more	$ (2)
Count, total	6
Fair value, total	$ 1,323
Unrealized loss, total	$ (9)

Note 4 - Loans Receivable (Deta

Note 4 - Loans Receivable (Details Textual) Pure in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021	Jun. 30, 2022 USD ($)	Jun. 30, 2021	Dec. 31, 2021 USD ($)
Reserve for Uncollected Loan Interest	$ 58,000		$ 58,000		$ 140,000
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	$ 0		$ 0		$ 0
Financing Receivable, Modifications, Number of Contracts	0	0	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0	0	0

Note 4 - Loans Receivable - Loa

Note 4 - Loans Receivable - Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Loans receivable	$ 1,149,292		$ 1,050,638
Net deferred loan origination costs	653		284
Allowance for loan losses	(7,202)	$ (6,786)	(6,715)	$ (6,857)	$ (7,395)	$ (7,751)
Loans, net	1,142,743		1,044,207
Commercial Portfolio Segment [Member]
Loans receivable	519,662		489,512
Allowance for loan losses	(2,149)	(2,078)	(1,652)	(1,377)	(1,377)	(1,536)
Consumer Portfolio Segment [Member]
Loans receivable	1,574		1,685
Allowance for loan losses	(42)	(46)	(44)	(47)	(47)	(54)
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Loans receivable	26,247		30,133
Allowance for loan losses	(286)	(315)	(331)	(396)	(465)	(518)
Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Loans receivable	485,742		426,136
Allowance for loan losses	(3,630)	(3,390)	(3,377)	(3,690)	(3,902)	(4,062)
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Loans receivable	115,983		103,172
Allowance for loan losses	(1,093)	(957)	(1,311)	(1,336)	(1,592)	(1,569)
Construction and Land Loans [Member]
Loans receivable	84		0
Allowance for loan losses	$ (2)	$ 0	$ 0	$ (11)	$ (12)	$ (12)

Note 4 - Loans Receivable - All

Note 4 - Loans Receivable - Allowance for Loan Losses and Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Allowance for loan losses, individually evaluated for impairment	$ 0		$ 30
Allowance for loan losses, collectively evaluated for impairment	7,202		6,685
Allowance for loan losses	7,202	$ 6,786	6,715	$ 6,857	$ 7,395	$ 7,751
Loan balances, individually evaluated for impairment	2,198		2,170
Loan balances, collectively evaluated for impairment	1,147,094		1,048,468
Loans receivable	1,149,292		1,050,638
Net deferred loan origination costs	653		284
Allowance for loan losses	(7,202)	(6,786)	(6,715)	(6,857)	(7,395)	(7,751)
Loans receivable, net of allowance for loan losses: June 30, 2022, $7,202 and December 31, 2021, $6,715	1,142,743		1,044,207
Construction and Land Loans [Member]
Allowance for loan losses, individually evaluated for impairment	0
Allowance for loan losses, collectively evaluated for impairment	2
Allowance for loan losses	2	0	0	11	12	12
Loan balances, individually evaluated for impairment	0
Loan balances, collectively evaluated for impairment	84
Loans receivable	84		0
Allowance for loan losses	(2)	0	0	(11)	(12)	(12)
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	286		331
Allowance for loan losses	286	315	331	396	465	518
Loan balances, individually evaluated for impairment	1,046		1,299
Loan balances, collectively evaluated for impairment	25,201		28,834
Loans receivable	26,247		30,133
Allowance for loan losses	(286)	(315)	(331)	(396)	(465)	(518)
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	3,630		3,377
Allowance for loan losses	3,630	3,390	3,377	3,690	3,902	4,062
Loan balances, individually evaluated for impairment	485		498
Loan balances, collectively evaluated for impairment	485,257		425,638
Loans receivable	485,742		426,136
Allowance for loan losses	(3,630)	(3,390)	(3,377)	(3,690)	(3,902)	(4,062)
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Allowance for loan losses, individually evaluated for impairment	0		30
Allowance for loan losses, collectively evaluated for impairment	1,093		1,281
Allowance for loan losses	1,093	957	1,311	1,336	1,592	1,569
Loan balances, individually evaluated for impairment	0		297
Loan balances, collectively evaluated for impairment	115,983		102,875
Loans receivable	115,983		103,172
Allowance for loan losses	(1,093)	(957)	(1,311)	(1,336)	(1,592)	(1,569)
Commercial Portfolio Segment [Member]
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	2,149		1,652
Allowance for loan losses	2,149	2,078	1,652	1,377	1,377	1,536
Loan balances, individually evaluated for impairment	667		76
Loan balances, collectively evaluated for impairment	518,995		489,436
Loans receivable	519,662		489,512
Allowance for loan losses	(2,149)	(2,078)	(1,652)	(1,377)	(1,377)	(1,536)
Consumer Portfolio Segment [Member]
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	42		44
Allowance for loan losses	42	46	44	47	47	54
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	1,574		1,685
Loans receivable	1,574		1,685
Allowance for loan losses	$ (42)	$ (46)	$ (44)	$ (47)	$ (47)	$ (54)

Note 4 - Loans Receivable - Act

Note 4 - Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Beginning balance	$ 6,786	$ 7,395	$ 6,715	$ 7,751
Provision for (recovery of) loan losses	459	(678)	735	(1,013)
Loans charged off	(67)	(6)	(281)	(101)
Recoveries	24	146	33	220
Total ending allowance balance	7,202	6,857	7,202	6,857
Commercial Portfolio Segment [Member]
Beginning balance	2,078	1,377	1,652	1,536
Provision for (recovery of) loan losses	122	(87)	547	(161)
Loans charged off	(51)	0	(51)	(86)
Recoveries	0	87	1	88
Total ending allowance balance	2,149	1,377	2,149	1,377
Consumer Portfolio Segment [Member]
Beginning balance	46	47	44	54
Provision for (recovery of) loan losses	(4)	6	15	6
Loans charged off	(15)	(6)	(33)	(15)
Recoveries	15	0	16	2
Total ending allowance balance	42	47	42	47
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Beginning balance	315	465	331	518
Provision for (recovery of) loan losses	(31)	(118)	(45)	(231)
Loans charged off	(1)	0	(5)	0
Recoveries	3	49	5	109
Total ending allowance balance	286	396	286	396
Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Beginning balance	3,390	3,902	3,377	4,062
Provision for (recovery of) loan losses	236	(222)	244	(393)
Recoveries	4	10	9	21
Total ending allowance balance	3,630	3,690	3,630	3,690
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Beginning balance	957	1,592	1,311	1,569
Provision for (recovery of) loan losses	134	(256)	(28)	(233)
Loans charged off	0		(192)
Total ending allowance balance	1,093	1,336	1,093	1,336
Construction and Land Loans [Member]
Beginning balance	0	12	0	12
Provision for (recovery of) loan losses	2	(1)	2	(1)
Loans charged off		0		0
Recoveries		0		0
Total ending allowance balance	$ 2	$ 11	$ 2	$ 11

Note 4 - Loans Receivable - L_2

Note 4 - Loans Receivable - Loans Individually Evaluated for Impairment By Class (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Loan balance, with no allowance recorded	$ 2,220	$ 2,220	$ 1,880
Recorded investment, with no allowance recorded	2,198	2,198	1,873
Partial charge-off, with no allowance recorded	10	10	7
Average investment in impaired loans, with no allowance recorded	2,084	1,967	1,989
Interest income recognized, with no allowance recorded	15	34	59
Loan balance, with no allowance recorded	2,220	2,220	1,880
Recorded investment, with no allowance recorded	2,198	2,198	1,873
Allowance for loan losses	0	0	30
Recorded investment, with no allowance recorded	2,198	2,198	1,873
Recorded investment, with no allowance recorded			2,170
Partial charge-off, with no allowance recorded			14
Allowance for loan losses			30
Average investment in impaired loans, with no allowance recorded			2,285
Interest income recognized, with no related allowance recorded			59
Loan balance, with allowance recorded			2,160
Nonresidential Real Estate Loans [Member]
Loan balance, with allowance recorded			280
Recorded investment, with no allowance recorded			297
Partial charge-off, with no allowance recorded			7
Allowance for loan losses			30
Average investment in impaired loans, with no allowance recorded			296
Interest income recognized, with no related allowance recorded			0
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loan balance, with no allowance recorded	1,046	1,046	1,299
Recorded investment, with no allowance recorded	1,046	1,046	1,299
Partial charge-off, with no allowance recorded	0	0	0
Average investment in impaired loans, with no allowance recorded	1,057	1,132	1,473
Interest income recognized, with no allowance recorded	5	11	29
Loan balance, with no allowance recorded	1,046	1,046	1,299
Recorded investment, with no allowance recorded	1,046	1,046	1,299
Allowance for loan losses	0	0	0
Recorded investment, with no allowance recorded	1,046	1,046	1,299
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Allowance for loan losses	0	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | ILLINOIS
Loan balance, with no allowance recorded	485	485	498
Recorded investment, with no allowance recorded	485	485	498
Partial charge-off, with no allowance recorded	0	0	0
Average investment in impaired loans, with no allowance recorded	748	640	509
Interest income recognized, with no allowance recorded	7	14	30
Loan balance, with no allowance recorded	485	485	498
Recorded investment, with no allowance recorded	485	485	498
Recorded investment, with no allowance recorded	485	485	498
Real Estate Portfolio [Member] | Commercial leases [Member]
Loan balance, with no allowance recorded	689	689	83
Recorded investment, with no allowance recorded	667	667	76
Partial charge-off, with no allowance recorded	10	10	7
Average investment in impaired loans, with no allowance recorded	279	195	7
Interest income recognized, with no allowance recorded	3	9	0
Loan balance, with no allowance recorded	689	689	83
Recorded investment, with no allowance recorded	667	667	76
Allowance for loan losses	0	0
Recorded investment, with no allowance recorded	$ 667	$ 667	$ 76

Note 4 - Loans Receivable - Rec

Note 4 - Loans Receivable - Recorded Investment in Nonaccrual Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Recorded investment	$ 933	$ 740
Loans past due over 90 days, still accruing	753	10
Asset-based and Factored Receivables [Member]
Recorded investment		0
Loans past due over 90 days, still accruing		10
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Recorded investment	323	367
Loans past due over 90 days, still accruing	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Recorded investment		297
Loans past due over 90 days, still accruing		0
Equipment Finance Leases, Other [Member]
Recorded investment	610	76
Loans past due over 90 days, still accruing	$ 753	$ 0

Note 4 - Loans Receivable - Agi

Note 4 - Loans Receivable - Aging of the Recorded Investment of Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loans receivable	$ 1,149,292	$ 1,050,638
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	486	6,876
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	18,850	6,188
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	1,664	750
Financial Asset, Past Due [Member]
Loans receivable	21,000	13,814
Financial Asset, Not Past Due [Member]
Loans receivable	1,128,292	1,036,824
Construction and Land Loans [Member]
Loans receivable	84	0
Construction and Land Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0
Construction and Land Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	0
Construction and Land Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0
Construction and Land Loans [Member] | Financial Asset, Past Due [Member]
Loans receivable	0
Construction and Land Loans [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	84
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member]
Loans receivable	21,550	24,131
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	181
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	224	250
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	301	367
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Financial Asset, Past Due [Member]
Loans receivable	525	798
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	21,025	23,333
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member]
Loans receivable	4,697	6,002
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	2	2
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	81	9
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Financial Asset, Past Due [Member]
Loans receivable	83	11
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	4,614	5,991
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	485,742	426,136
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | ILLINOIS
Loans receivable	277,845	235,870
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Other [Member]
Loans receivable	207,897	190,266
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | ILLINOIS
Loans receivable	0	189
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | ILLINOIS
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | ILLINOIS
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, Past Due [Member] | ILLINOIS
Loans receivable	0	189
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, Past Due [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, Not Past Due [Member] | ILLINOIS
Loans receivable	277,845	235,681
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Financial Asset, Not Past Due [Member] | Other [Member]
Loans receivable	207,897	190,266
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	115,983	103,172
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	297
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Financial Asset, Past Due [Member]
Loans receivable	0	297
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	115,983	102,875
Commercial Portfolio Segment [Member]
Loans receivable	519,662	489,512
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member]
Loans receivable	53,772	67,995
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Financial Asset, Past Due [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	53,772	67,995
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member]
Loans receivable	32,860	19,400
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	254	26
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	60	6
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	10
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Financial Asset, Past Due [Member]
Loans receivable	314	42
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	32,546	19,358
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	208,887	178,462
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	3,160
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	17,090	4,718
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Financial Asset, Past Due [Member]
Loans receivable	17,090	7,878
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	191,797	170,584
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member]
Loans receivable	64,797	82,626
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	290
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	566	1,201
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	213	0
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Financial Asset, Past Due [Member]
Loans receivable	779	1,491
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	64,018	81,135
Finance Leases Portfolio Segment [Member] | Other [Member]
Loans receivable	75,662	88,851
Finance Leases Portfolio Segment [Member] | Other [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	225	3,015
Finance Leases Portfolio Segment [Member] | Other [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	280	0
Finance Leases Portfolio Segment [Member] | Other [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	331	76
Finance Leases Portfolio Segment [Member] | Other [Member] | Financial Asset, Past Due [Member]
Loans receivable	836	3,091
Finance Leases Portfolio Segment [Member] | Other [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	74,826	85,760
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member]
Loans receivable	59,457	40,582
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	538	0
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	753	0
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Financial Asset, Past Due [Member]
Loans receivable	1,291	0
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	58,166	40,582
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member]
Loans receivable	24,227	11,596
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	66	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Financial Asset, Past Due [Member]
Loans receivable	66	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	24,161	11,596
Consumer Portfolio Segment [Member]
Loans receivable	1,574	1,685
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	5	13
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	11	4
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable	16	17
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	$ 1,558	$ 1,668

Note 4 - Loans Receivable - PPP

Note 4 - Loans Receivable - PPP activity (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Loans receivable	$ 1,149,292		$ 1,149,292		$ 1,050,638
SBA CARES Act Paycheck Protection Program [Member]
Number of loans originated	0	45	0	238
Loan balance originations	$ 0	$ 1,511	$ 0	$ 10,135
Loan balance forgiven	$ 773	$ 1,834	$ 3,132	$ 9,737
Number of loans	26		26		76
Loans receivable	$ 911		$ 911		$ 4,043

Note 4 - Loans Receivable - Ris

Note 4 - Loans Receivable - Risk Categories of Loans By Class of Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loans receivable	$ 1,149,292	$ 1,050,638
Pass [Member]
Loans receivable	1,143,732	1,047,962
Special Mention [Member]
Loans receivable	4,142	1,454
Substandard [Member]
Loans receivable	485	482
Nonaccrual [Member]
Loans receivable	933	740
Construction and Land Loans [Member]
Loans receivable	84	0
Construction and Land Loans [Member] | Pass [Member]
Loans receivable	84
Construction and Land Loans [Member] | Special Mention [Member]
Loans receivable	0
Construction and Land Loans [Member] | Substandard [Member]
Loans receivable	0
Construction and Land Loans [Member] | Nonaccrual [Member]
Loans receivable	0
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member]
Loans receivable	21,550	24,131
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Pass [Member]
Loans receivable	20,876	23,396
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Special Mention [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Substandard [Member]
Loans receivable	351	368
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Owner Occupied [Member] | Nonaccrual [Member]
Loans receivable	323	367
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member]
Loans receivable	4,697	6,002
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Pass [Member]
Loans receivable	4,624	5,894
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Special Mention [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Substandard [Member]
Loans receivable	73	108
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate, Non-owner Occupied [Member] | Nonaccrual [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	485,742	426,136
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | ILLINOIS
Loans receivable	277,845	235,870
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Other [Member]
Loans receivable	207,897	190,266
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Pass [Member] | ILLINOIS
Loans receivable	277,524	235,545
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Pass [Member] | Other [Member]
Loans receivable	207,897	190,266
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Special Mention [Member] | ILLINOIS
Loans receivable	321	325
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Special Mention [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Substandard [Member] | ILLINOIS
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Substandard [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Nonaccrual [Member] | ILLINOIS
Loans receivable	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Nonaccrual [Member] | Other [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	115,983	103,172
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Pass [Member]
Loans receivable	115,983	102,875
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Special Mention [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Substandard [Member]
Loans receivable	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Nonaccrual [Member]
Loans receivable	0	297
Commercial Portfolio Segment [Member]
Loans receivable	519,662	489,512
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member]
Loans receivable	53,772	67,995
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Pass [Member]
Loans receivable	53,772	67,995
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Special Mention [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Substandard [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Commercial Lines and Loans for Operations [Member] | Nonaccrual [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member]
Loans receivable	32,860	19,400
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Pass [Member]
Loans receivable	29,044	19,400
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Special Mention [Member]
Loans receivable	3,816	0
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Substandard [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Asset-based and Factored Receivables [Member] | Nonaccrual [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	208,887	178,462
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Pass [Member]
Loans receivable	208,887	178,427
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Special Mention [Member]
Loans receivable	0	35
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Substandard [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Equipment Finance Leases, Government [Member] | Nonaccrual [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member]
Loans receivable	64,797	82,626
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Pass [Member]
Loans receivable	64,584	82,626
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Special Mention [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Substandard [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Investment Rated Commercial Leases [Member] | Nonaccrual [Member]
Loans receivable	213	0
Finance Leases Portfolio Segment [Member] | Other [Member]
Loans receivable	75,662	88,851
Finance Leases Portfolio Segment [Member] | Other [Member] | Pass [Member]
Loans receivable	75,275	87,685
Finance Leases Portfolio Segment [Member] | Other [Member] | Special Mention [Member]
Loans receivable	0	1,090
Finance Leases Portfolio Segment [Member] | Other [Member] | Substandard [Member]
Loans receivable	56	0
Finance Leases Portfolio Segment [Member] | Other [Member] | Nonaccrual [Member]
Loans receivable	331	76
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member]
Loans receivable	59,457	40,582
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Pass [Member]
Loans receivable	59,457	40,582
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Special Mention [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Substandard [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Middle Market Leases [Member] | Nonaccrual [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member]
Loans receivable	24,227	11,596
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Pass [Member]
Loans receivable	24,161	11,596
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Special Mention [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Substandard [Member]
Loans receivable	0	0
Finance Leases Portfolio Segment [Member] | Small Ticket Leases [Member] | Nonaccrual [Member]
Loans receivable	66	0
Consumer Portfolio Segment [Member]
Loans receivable	1,574	1,685
Consumer Portfolio Segment [Member] | Pass [Member]
Loans receivable	1,564	1,675
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	5	4
Consumer Portfolio Segment [Member] | Substandard [Member]
Loans receivable	5	6
Consumer Portfolio Segment [Member] | Nonaccrual [Member]
Loans receivable	$ 0	$ 0

Note 5 - Foreclosed Assets (Det

Note 5 - Foreclosed Assets (Details Textual) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Mortgage Loans in Process of Foreclosure, Amount	$ 73,000	$ 73,000
Other Real Estate, Foreclosed Assets, and Repossessed Assets, Total	842,000	$ 725,000
Foreclosed Residential Real Estate Properties, Physical Possession Without Title [Member]
Other Real Estate, Foreclosed Assets, and Repossessed Assets, Total	$ 0

Note 5 - Foreclosed Assets - Re

Note 5 - Foreclosed Assets - Real Estate Acquired Through Foreclosure (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Foreclosed assets - Nonresidential real estate OREO	$ 274	$ 0
Foreclosed assets - Nonresidential real estate OREO	0	0
Foreclosed assets - Nonresidential real estate OREO	274	0
Other foreclosed assets, gross	768	952
Other foreclosed assets, valuation allowance	(200)	(227)
Other foreclosed assets	568	725
Other real estate owned and other foreclosed assets, gross	1,042	952
Other real estate owned and other foreclosed assets, valuation allowance	(200)	(227)
Total	$ 842	$ 725

Note 5 - Foreclosed Assets- Rol

Note 5 - Foreclosed Assets- Roll Forward of Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Beginning balance	$ 968	$ 4,630	$ 725	$ 157
New foreclosed assets	45	0	319	4,473
Valuation adjustments	0	(281)	0	(281)
Valuation reductions from sales	19	0	27	0
Sales	(190)	(2,647)	(229)	(2,647)
Ending balance	$ 842	$ 1,702	$ 842	$ 1,702

Note 5 - Foreclosed Assets - Ac

Note 5 - Foreclosed Assets - Activity in the Valuation Allowance (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Beginning balance	$ 219,000	$ 0	$ 227,000	$ 0
Additions charged to expense	0	281,000	0	281,000
Reductions from sales	(19,000)	0	(27,000)	0
Ending balance	$ 200,000	$ 281,000	$ 200,000	$ 281,000

Note 6 - Borrowings and Subor_3

Note 6 - Borrowings and Subordinated Notes (Details Textual) - USD ($)		12 Months Ended
	Apr. 14, 2021	Dec. 31, 2020	Jun. 30, 2022	Dec. 31, 2021
Federal Home Loan Bank Advances [Member]
Debt, Long-term and Short-term, Combined Amount, Total			$ 0	$ 0
Line of Credit [Member] | Unsecured Debt [Member]
Line of Credit, Current		$ 5,000,000
Debt Instrument, Prime Rate Floor		2.40%
Prime Rate [Member] | Line of Credit [Member] | Unsecured Debt [Member]
Debt Instrument, Basis Spread on Variable Rate		0.75%
The 3.75 Percent Fixed-to-Floating Rate Subordinated Notes [Member]
Debt Instrument, Face Amount	$ 20,000,000
Debt Instrument, Interest Rate, Stated Percentage	3.75%
Debt Issuance Costs, Net, Total	$ 441,000		$ 388,000	$ 410,000
Debt Instrument, Term (Year)	10 years
The 3.75 Percent Fixed-to-Floating Rate Subordinated Notes [Member] | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Debt Instrument, Basis Spread on Variable Rate	2.99%

Note 6 - Borrowings and Subor_4

Note 6 - Borrowings and Subordinated Notes - Advances From the FHLB (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fixed-rate advance from FHLB, due May 9, 2022, interest rate	0%	0%
Fixed-rate advance from FHLB, due May 9, 2022	$ 0	$ 5,000
Subordinated notes, net of unamortized issuance costs	$ 19,612	$ 19,590
Line of credit, due March 31, 2022, interest rate	4%	2.50%
Line of credit, due March 30, 2023	$ 0	$ 0
Subordinated Debt [Member]
Subordinated notes, due May 15, 2031	3.75%	3.75%

Note 7 - Fair Value (Details Te

Note 7 - Fair Value (Details Textual) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Impaired Loans, Fair Value Disclosure						$ 297,000
Impaired Loans, Valuation Allowance						30,000
Foreclosed Assets, Gross	$ 723,000		$ 723,000			952,000
Foreclosed Assets, Valuation Allowance	200,000	$ 281,000	200,000	$ 281,000	$ 219,000	227,000	$ 0	$ 0
Foreclosed Assets, Net of Valuation Reserve	523,000		523,000			$ 725,000
Foreclosed Assets Valuation Adjustments, With Valuation Reserve	0	281,000	0	281,000
Impaired Loans [Member]
Impaired Loans, Valuation Allowance	$ 30,000	$ 28,000	$ 30,000	$ 28,000

Note 7 - Fair Value - Financial

Note 7 - Fair Value - Financial Assets At Fair Value (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities	$ 158,951	$ 85,694
Certificates of Deposit [Member]
Securities	248	2,728
US States and Political Subdivisions Debt Securities [Member]
Securities	387
US Treasury and Government [Member]
Securities	152,577
Residential Mortgage-Backed Securities [Member]
Securities	4,382	4,833
Collateralized Mortgage-Backed Securities [Member]
Securities	1,357	1,580
US Treasury Securities [Member]
Securities	152,577	76,553
Fair Value, Inputs, Level 1 [Member]
Securities	152,577	76,553
Fair Value, Inputs, Level 1 [Member] | Certificates of Deposit [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities	0
Fair Value, Inputs, Level 1 [Member] | US Treasury and Government [Member]
Securities	152,577
Fair Value, Inputs, Level 1 [Member] | Residential Mortgage-Backed Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] | US Treasury Securities [Member]
Securities		76,553
Fair Value, Inputs, Level 2 [Member]
Securities	6,374	9,141
Fair Value, Inputs, Level 2 [Member] | Certificates of Deposit [Member]
Securities	248	2,728
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities	387
Fair Value, Inputs, Level 2 [Member] | US Treasury and Government [Member]
Securities	0
Fair Value, Inputs, Level 2 [Member] | Residential Mortgage-Backed Securities [Member]
Securities	4,382	4,833
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities	1,357	1,580
Fair Value, Inputs, Level 2 [Member] | US Treasury Securities [Member]
Securities		0
Fair Value, Inputs, Level 3 [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] | Certificates of Deposit [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities	0
Fair Value, Inputs, Level 3 [Member] | US Treasury and Government [Member]
Securities	0
Fair Value, Inputs, Level 3 [Member] | Residential Mortgage-Backed Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities	$ 0	0
Fair Value, Inputs, Level 3 [Member] | US Treasury Securities [Member]
Securities		$ 0

Note 7 - Fair Value - Financi_2

Note 7 - Fair Value - Financial Assets At Fair Value on Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
One-to-Four Family Residential Real Estate [Member]
Foreclosed assets	$ 523	$ 725
One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 1 [Member]
Foreclosed assets	0	0
One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 2 [Member]
Foreclosed assets	0	0
One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member]
Foreclosed assets	$ 523	725
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Impaired loans - nonresidential real estate, fair value		267
Nonresidential Real Estate [Member] | Fair Value, Inputs, Level 1 [Member] | Real Estate Portfolio [Member]
Impaired loans - nonresidential real estate, fair value		0
Nonresidential Real Estate [Member] | Fair Value, Inputs, Level 2 [Member] | Real Estate Portfolio [Member]
Impaired loans - nonresidential real estate, fair value		0
Nonresidential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member] | Real Estate Portfolio [Member]
Impaired loans - nonresidential real estate, fair value		$ 267

Note 7 - Fair Value - Quantitat

Note 7 - Fair Value - Quantitative Information for Financial Instruments on Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
One-to-Four Family Residential Real Estate [Member]
Foreclosed assets	$ 523	$ 725
One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member]
Foreclosed assets	$ 523	$ 725
One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member] | Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member]
Foreclosed assets	8.4	15.6
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Impaired loans - nonresidential real estate, fair value		$ 267
Nonresidential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member] | Real Estate Portfolio [Member]
Impaired loans - nonresidential real estate, fair value		$ 267
Nonresidential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member] | Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member] | Real Estate Portfolio [Member]
Imapired loans, measurement input		22

Note 7 - Fair Value - Carrying

Note 7 - Fair Value - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Securities	$ 158,951,000	$ 85,694,000
Fair Value, Inputs, Level 1 [Member]
Securities	152,577,000	76,553,000
Fair Value, Inputs, Level 2 [Member]
Securities	6,374,000	9,141,000
Fair Value, Inputs, Level 3 [Member]
Securities	0	0
Reported Value Measurement [Member]
Cash and cash equivalents	270,471,000	502,162,000
Securities	158,951,000	85,694,000
Loans receivable, net of allowance for loan losses	1,142,743,000	1,044,207,000
FHLB and FRB stock	7,490,000	7,490,000
Accrued interest receivable	6,660,000	4,648,000
Certificates of deposit	193,110,000	206,918,000
Subordinated notes	19,612,000	19,590
Borrowings		5,000,000
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	270,471,000	502,162,000
Securities	158,951,000	85,694,000
Loans receivable, net of allowance for loan losses	1,126,357,000	1,039,298,000
Accrued interest receivable	6,660,000	4,648,000
Certificates of deposit	190,200,000	206,530,000
Subordinated notes	18,675,000	20,240
Borrowings		4,999,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	265,253,000	448,552,000
Securities	152,577,000	76,553,000
Loans receivable, net of allowance for loan losses	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	278,000	79,000
Certificates of deposit	0	0
Subordinated notes	0	0
Borrowings		0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	5,218,000	53,610,000
Securities	6,374,000	9,141,000
Loans receivable, net of allowance for loan losses	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	11,000	13,000
Certificates of deposit	190,200,000	206,530,000
Subordinated notes	18,675,000	20,240
Borrowings		4,999,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents	0	0
Securities	0	0
Loans receivable, net of allowance for loan losses	1,126,357,000	1,039,298,000
FHLB and FRB stock	0	0
Accrued interest receivable	6,371,000	4,556,000
Certificates of deposit	0	0
Subordinated notes	$ 0	0
Borrowings		$ 0

Note 8 - Revenue From Contrac_3

Note 8 - Revenue From Contracts With Customers (Details Textual) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Revenue from Contract with Customer, Excluding Assessed Tax	$ 826,000	$ 800,000	$ 1,607,000	$ 1,538,000
Credit and Debit Card [Member]
Revenue from Contract with Customer, Excluding Assessed Tax	$ 375,000	$ 435,000	$ 735,000	$ 816,000

Note 8 - Revenue From Contrac_4

Note 8 - Revenue From Contracts With Customers - Noninterest Income (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Deposit service charges and fees		$ 826	$ 800	$ 1,607	$ 1,538
Loan servicing fees	[1]	190	141	291	196
Mortgage brokerage and banking fees	[1]	9	5	17	17
Earnings on bank-owned life insurance	[1]	11	30	39	51
Bank-owned life insurance death benefit	[1]	446	0	446	0
Other	[1]	95	167	283	265
Total noninterest income		1,839	1,426	3,283	2,684
Deposit Account [Member]
Deposit service charges and fees		826	800	1,607	1,538
Bank Servicing [Member]
Deposit service charges and fees		$ 262	$ 283	$ 600	$ 617
[1]Not within the scope of ASC 606