BankFinancial (BFIN) 10-Q 30 Oct 23 2023 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2023	Oct. 26, 2023
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	Q3
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
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		12,547,390

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and due from other financial institutions	$ 19,691	$ 12,046
Interest-bearing deposits in other financial institutions	151,870	54,725
Cash and cash equivalents	171,561	66,771
Securities, at fair value	158,425	210,338
Loans receivable, net of allowance for credit losses: September 30, 2023, $8,559 and December 31, 2022, $8,129	1,105,604	1,226,743
Foreclosed assets, net	902	476
Stock in Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB"), at cost	7,490	7,490
Premises held-for-sale	540	0
Premises and equipment, net	22,914	24,956
Accrued interest receivable	8,343	7,338
Bank-owned life insurance	18,556	18,815
Deferred taxes	4,979	5,480
Other assets	6,140	7,035
Total assets	1,505,454	1,575,442
Liabilities
Noninterest-bearing	258,318	280,625
Interest-bearing	1,017,510	1,094,309
Total deposits	1,275,828	1,374,934
Borrowings	25,000	0
Subordinated notes, net of unamortized issuance costs	19,667	19,634
Advance payments by borrowers for taxes and insurance	15,188	8,674
Accrued interest payable and other liabilities	16,016	20,529
Total liabilities	1,351,699	1,423,771
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; 12,547,390 shares issued at September 30, 2023 and 12,742,597 shares issued at December 31, 2022	125	127
Additional paid-in capital	84,133	85,848
Retained earnings	73,602	71,808
Accumulated other comprehensive loss	(4,105)	(6,112)
Total stockholders’ equity	153,755	151,671
Total liabilities and stockholders’ equity	$ 1,505,454	$ 1,575,442

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Allowance for loan losses	$ 8,559	$ 8,129
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)	12,547,390	12,742,597

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Loans, including fees		$ 14,276,000	$ 12,735,000	$ 43,014,000	$ 35,231,000
Securities		808,000	821,000	2,763,000	1,552,000
Other		1,810,000	1,374,000	3,455,000	2,449,000
Total interest income		16,894,000	14,930,000	49,232,000	39,232,000
Interest expense
Deposits		3,470,000	809,000	8,531,000	1,809,000
Borrowings and Subordinated notes		470,000	199,000	1,304,000	596,000
Total interest expense		3,940,000	1,008,000	9,835,000	2,405,000
Net interest income		12,954,000	13,922,000	39,397,000	36,827,000
Provision for credit losses - loans		180,000	350,000	85,000	1,085,000
Recovery of credit losses - unfunded commitments		(44,000)	0	(89,000)	0
(Recovery of) provision for credit losses		136,000	350,000	(4,000)	1,085,000
Net interest income after (recovery of) provision for credit losses		12,818,000	13,572,000	39,401,000	35,742,000
Noninterest income
Deposit service charges and fees		836,000	829,000	2,482,000	2,436,000
Loan servicing fees	[1]	98,000	59,000	368,000	350,000
Trust and insurance commissions and annuities income		290,000	287,000	933,000	887,000
Losses on sales of securities (1)	[1]	0	0	(454,000)	0
Gain on sale of premises and equipment		0	0	9,000	0
Valuation adjustment on bank premises held-for-sale (1)	[1]	0	0	(585,000)	0
(Loss) earnings on bank-owned life insurance (1)	[1]	(88,000)	(14,000)	(259,000)	25,000
Bank-owned life insurance death benefit (1)		0	0	0	446,000
Other	[1]	104,000	126,000	298,000	426,000
Total noninterest income		1,240,000	1,287,000	2,792,000	4,570,000
Noninterest expense
Compensation and benefits		5,369,000	5,241,000	16,553,000	16,210,000
Office occupancy and equipment		2,046,000	1,970,000	6,115,000	6,037,000
Advertising and public relations		171,000	138,000	623,000	488,000
Information technology		944,000	894,000	2,758,000	2,640,000
Professional fees		366,000	245,000	1,038,000	1,030,000
Supplies, telephone, and postage		311,000	342,000	965,000	1,051,000
FDIC insurance premiums		222,000	134,000	658,000	356,000
Other		1,361,000	1,637,000	3,592,000	3,277,000
Total noninterest expense		10,790,000	10,601,000	32,302,000	31,089,000
Income before income taxes		3,268,000	4,258,000	9,891,000	9,223,000
Income tax expense		899,000	1,037,000	2,577,000	2,167,000
Net income		$ 2,369,000	$ 3,221,000	$ 7,314,000	$ 7,056,000
Basic and diluted earnings per common share (in dollars per share)		$ 0.19	$ 0.25	$ 0.58	$ 0.54
Basic and diluted weighted average common shares outstanding (in shares)		12,578,494	13,060,266	12,655,305	13,142,584
[1]Not within the scope of ASC 606

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Net income	$ 2,369	$ 3,221	$ 7,314	$ 7,056
Unrealized holding gain (loss) on securities arising during the period	1,099	(3,634)	2,260	(8,741)
Tax effect	(286)	972	(588)	2,339
Unrealized holding gain (loss) on securities, net of tax	813	(2,662)	1,672	(6,402)
Reclassification adjustment for loss included in net income	0	0	454	0
Tax effect, included in income tax expense	0	0	(119)	0
Reclassification adjustment for loss included in net income, net of tax	0	0	335	0
Other comprehensive gain (loss), net of tax	813	(2,662)	2,007	(6,402)
Comprehensive income	$ 3,182	$ 559	$ 9,321	$ 654

Consolidated Statements of Chan

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2021						$ 132	$ 90,709	$ 66,545	$ 80	$ 157,466
Net income						0	0	7,056	0	7,056
Other comprehensive loss, net of tax effect						0	0	0	(6,402)	(6,402)
Repurchase and retirement of common stock						(3)	(3,103)	0	0	(3,106)
Cash dividends declared on common stock						0	0	(3,944)	0	(3,944)
Balance at Sep. 30, 2022						129	87,606	69,657	(6,322)	151,070
Balance at Jun. 30, 2022						131	89,917	67,742	(3,660)	154,130
Net income						0	0	3,221	0	3,221
Other comprehensive loss, net of tax effect						0	0	0	(2,662)	(2,662)
Repurchase and retirement of common stock						(2)	(2,311)	0	0	(2,313)
Cash dividends declared on common stock						0	0	(1,306)	0	(1,306)
Balance at Sep. 30, 2022						129	87,606	69,657	(6,322)	151,070
Balance (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022	$ 0	$ 0	$ (1,719)	$ 0	$ (1,719)
Balance at Dec. 31, 2022						127	85,848	71,808	(6,112)	151,671
Net income						0	0	7,314	0	7,314
Other comprehensive loss, net of tax effect						0	0	0	2,007	2,007
Repurchase and retirement of common stock						(2)	(1,715)	0	0	(1,717)
Cash dividends declared on common stock						0	0	(3,801)	0	(3,801)
Balance at Sep. 30, 2023						125	84,133	73,602	(4,105)	153,755
Balance at Jun. 30, 2023						126	84,603	72,492	(4,918)	152,303
Net income						0	0	2,369	0	2,369
Other comprehensive loss, net of tax effect						0	0	0	813	813
Repurchase and retirement of common stock						(1)	(470)	0	0	(471)
Cash dividends declared on common stock						0	0	(1,259)	0	(1,259)
Balance at Sep. 30, 2023						$ 125	$ 84,133	$ 73,602	$ (4,105)	$ 153,755

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Repurchase and retirement of common stock (in shares)	53,088	231,311	195,207	306,311
Cash dividends declared on common stock (in dollars per share)	$ 0.10	$ 0.10	$ 0.30	$ 0.30

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022
Cash flows from operating activities
Net income		$ 7,314,000	$ 7,056,000
Adjustments to reconcile net income to net cash from operating activities
Provision for credit losses - loans		85,000	1,085,000
Recovery of credit losses - unfunded commitments		(89,000)	0
Depreciation and amortization		1,093,000	1,082,000
Net change in net deferred loan origination costs		(123,000)	(567,000)
Losses on sales of securities	[1]	454,000	0
Valuation adjustment on bank premises held-for-sale	[1]	585,000	0
Gain on disposal of premises and equipment		(9,000)	0
Loss (gain) on sale of foreclosed assets		15,000	(7,000)
Foreclosed assets write-down		70,000	0
Foreclosed assets valuation adjustments		48,000	(153,000)
Loss (earnings) on bank-owned life insurance	[1]	259,000	(25,000)
Net change in:
Accrued interest receivable		(1,005,000)	(2,363,000)
Other assets		1,362,000	850,000
Accrued interest payable and other liabilities		(4,841,000)	(6,469,000)
Net cash from operating activities		5,218,000	489,000
Cash flows from (used in) investing activities
Proceeds from maturities		14,977,000	2,728,000
Proceeds from principal repayments		540,000	707,000
Proceeds from sale of securities		42,631,000	0
Purchases of securities		(3,469,000)	(122,325,000)
Net change in loans receivable		118,262,000	(98,487,000)
Bank-owned life insurance death benefit		0	275,000
Proceeds from sale of foreclosed assets		362,000	680,000
Proceeds from sale of premises and equipment		690,000	0
Purchase of premises and equipment, net		(1,311,000)	(1,422,000)
Net cash from (used in) investing activities		172,682,000	(217,844,000)
Cash flows used in financing activities
Deposits		(99,106,000)	(63,173,000)
Advance payments by borrowers for taxes and insurance		6,514,000	6,547,000
Proceeds from Federal Home Loan Bank advances		35,000,000	0
Repayments of Federal Home Loan Bank advances		(10,000,000)	(5,000,000)
Repurchase and retirement of common stock		(1,717,000)	(3,106,000)
Cash dividends paid on common stock		(3,801,000)	(3,944,000)
Net cash used in financing activities		(73,110,000)	(68,676,000)
Net change in cash and cash equivalents		104,790,000	(286,031,000)
Beginning cash and cash equivalents		66,771,000	502,162,000
Ending cash and cash equivalents		171,561,000	216,131,000
Supplemental disclosures of cash flow information:
Interest paid		9,405,000	2,214,000
Income taxes paid		2,760,000	2,012,000
Income taxes refunded		20,000	8,000
Assets transferred to premises held-for-sale		1,799,000	0
Loans transferred to foreclosed assets		921,000	319,000
Due to broker		$ 0	$ 3,000,000
[1]Not within the scope of ASC 606

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	NOTE 1 Basis of Presentation nine September 30, 2023 not may December 31, 2023 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: 4 may third September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 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. Allowance for Credit Losses: January 1, 2023, 326” No. 2016 13, Financial Instruments Credit Losses (Topic 326 Measurement of Credit Losses on Financial Instruments 326 326 326 The Company adopted ASC 326 January 1, 2023 326 January 1, 2023 Post ASC 326 Adoption Pre-ASC 326 Adoption Pre-tax impact of ASC 326 Adoption Assets: Allowance One-to-four family residential real estate $ 380 $ 281 $ 99 Multi-family mortgage 4,647 4,017 630 Nonresidential real estate 1,300 1,234 66 Commercial loans and leases 3,670 2,548 1,122 Consumer 39 49 (10 ) Total allowance for credit losses $ 10,036 $ 8,129 $ 1,907 Liabilities: Unfunded commitment reserve $ 417 $ — $ 417 The allowance for credit losses (“ACL”) is evaluated on a regular basis and established through charges to earnings in the form of a provision for credit losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. a. Portfolio Segmentation ( Pooled Loans ) Portfolio segmentation is defined as the pooling of loans based upon similar risk characteristics such that quantitative methodologies and qualitative adjustment factors for estimating the allowance for credit losses is constructed for each segment. The allowance for credit losses for Pooled Loans estimate is based upon periodic review of the collectability of the loans quantitatively correlating historical loan experience with reasonable and supportable forecasts using forward looking information. Adjustments to the quantitative evaluation may b. Individually Evaluated Loans The Company establishes a specific loss reserve for individually evaluated loans which do not c. Accrued Interest Receivable Upon adoption of ASC 326 January 1, 2023, ● Presenting accrued interest receivable balances separately within another line item on the Consolidated Statements of Financial Condition. ● Continuing our policy to fully reserve accrued interest receivable by reversing interest income. For commercial loans, the reserve is established upon becoming 90 120 not ● Not d. Reserve for Unfunded Commitments The reserve for unfunded commitments (the “Unfunded Commitment Reserve”) represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit and standby letters of credit. However, a liability is not Troubled Debt Restructurings and Vintage Disclosures: 2022 02 “Financial Instruments—Credit Losses (Topic 326 326. 310 20 January 1, 2023. Reclassifications These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10 December 31, 2022

Note 2 - Earnings Per Share

Note 2 - Earnings Per Share	9 Months Ended
	Sep. 30, 2023
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 Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Net income available to common stockholders $ 2,369 $ 3,221 $ 7,314 $ 7,056 Basic and diluted weighted average common shares outstanding 12,578,494 13,060,266 12,655,305 13,142,584 Basic and diluted earnings per common share $ 0.19 $ 0.25 $ 0.58 $ 0.54

Note 3 - Securities

Note 3 - Securities	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023 Certificates of deposit $ 2,725 $ — $ — $ 2,725 Municipal securities 240 — (11 ) 229 U.S. Treasury Notes 128,326 — (5,231 ) 123,095 U.S. government-sponsored agencies 28,000 — (137 ) 27,863 Mortgage-backed securities - residential 3,622 23 (165 ) 3,480 Collateralized mortgage obligations - residential 1,059 — (26 ) 1,033 $ 163,972 $ 23 $ (5,570 ) $ 158,425 December 31, 2022 Certificates of deposit $ 2,233 $ — $ — $ 2,233 Municipal securities 240 — (15 ) 225 U.S. Treasury Notes 170,906 — (7,803 ) 163,103 U.S. government-sponsored agencies 40,000 — (301 ) 39,699 Mortgage-backed securities - residential 3,997 27 (143 ) 3,881 Collateralized mortgage obligations - residential 1,223 — (26 ) 1,197 $ 218,599 $ 27 $ (8,288 ) $ 210,338 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 September 30, 2023 Amortized Cost Fair Value Due in one year or less $ 87,637 $ 86,118 Due after one year through five years 71,654 67,794 159,291 153,912 Mortgage-backed securities - residential 3,622 3,480 Collateralized mortgage obligations - residential 1,059 1,033 $ 163,972 $ 158,425 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 September 30, 2023 Municipal securities — $ — $ — 1 $ 229 $ (11 ) 1 $ 229 $ (11 ) U.S. Treasury Notes — — — 181 123,095 (5,231 ) 181 123,095 (5,231 ) U.S. government-sponsored agencies 3 12,922 (78 ) 3 14,941 (59 ) 6 27,863 (137 ) Mortgage-backed securities - residential 2 111 (3 ) 16 2,652 (162 ) 18 2,763 (165 ) Collateralized mortgage obligations - residential — — — 7 1,033 (26 ) 7 1,033 (26 ) 5 $ 13,033 $ (81 ) 208 $ 141,950 $ (5,489 ) 213 $ 154,983 $ (5,570 ) December 31, 2022 Municipal securities 1 $ 225 $ (15 ) — $ — $ — 1 $ 225 $ (15 ) U.S. Treasury Notes 147 104,439 (4,104 ) 53 58,664 (3,699 ) 200 163,103 (7,803 ) U.S. government-sponsored agencies 9 39,699 (301 ) — — — 9 39,699 (301 ) Mortgage-backed securities - residential 18 3,016 (143 ) — — — 18 3,016 (143 ) Collateralized mortgage obligations - residential 5 1,009 (18 ) 1 171 (8 ) 6 1,180 (26 ) 180 $ 148,388 $ (4,581 ) 54 $ 58,835 $ (3,707 ) 234 $ 207,223 $ (8,288 ) The Company evaluates marketable investment securities with significant declines in fair value on a quarterly basis to determine whether they should be considered 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 security is impaired. U.S. Treasury Notes, U.S. government-sponsored agencies and certain other available-for-sale securities reflected in the above table that the Company holds in its investment portfolio were in an unrealized loss position at September 30, 2023 not uality, not We reviewed the available-for-sale securities in an unrealized loss position within the guidelines of ASC 326 no The proceeds from sales of securities and the associated losses were as follows: Three Months Ended Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Proceeds $ — $ — $ 42,631 $ — Gross gains — — — — Gross losses — — (454 ) —

Note 4 - Loans Receivable

Note 4 - Loans Receivable	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 The summary of loans receivable by class of loans is as follows: September 30, 2023 December 31, 2022 One-to-four family residential real estate $ 19,233 $ 23,133 Multi-family mortgage 528,251 537,394 Nonresidential real estate 117,641 119,705 Commercial loans and leases 447,687 553,056 Consumer 1,351 1,584 1,114,163 1,234,872 Allowance for credit losses (8,559 ) (8,129 ) Loans, net $ 1,105,604 $ 1,226,743 Net deferred loan origination costs included in the table above were $1.7 million as of September 30, 2023 December 31, 2022 Allowance for Credit Losses - Loans The following table represents the activity in the ACL by class of loans: One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total For the three months ended September 30, 2023 Beginning balance $ 326 $ 4,679 $ 1,245 $ 2,943 $ 33 $ 9,226 Provision for (recovery of) credit losses (62 ) (136 ) (95 ) 461 12 180 Loans charged off — — — (889 ) (14 ) (903 ) Recoveries 32 4 — 20 — 56 $ 296 $ 4,547 $ 1,150 $ 2,535 $ 31 $ 8,559 September 30, 2022 Beginning balance $ 286 $ 3,632 $ 1,093 $ 2,149 $ 42 $ 7,202 Provision for (recovery of) credit losses 98 (72 ) 67 171 86 350 Loans charged off (71 ) — — (104 ) (16 ) (191 ) Recoveries 2 6 2 15 — 25 $ 315 $ 3,566 $ 1,162 $ 2,231 $ 112 $ 7,386 One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total For the nine months ended September 30, 2023 Beginning balance, prior to adoption of ASC 326 $ 281 $ 4,017 $ 1,234 $ 2,548 $ 49 $ 8,129 Impact of adopting ASC 326 99 630 66 1,122 (10 ) 1,907 Beginning balance, after adoption of ASC 326 380 4,647 1,300 3,670 39 10,036 Provision for (recovery of) credit losses (128 ) (115 ) (150 ) 444 34 85 Loans charged off — — — (1,606 ) (43 ) (1,649 ) Recoveries 44 15 — 27 1 87 $ 296 $ 4,547 $ 1,150 $ 2,535 $ 31 $ 8,559 September 30, 2022 Beginning balance $ 331 $ 3,377 $ 1,311 $ 1,652 $ 44 $ 6,715 Provision for credit losses 53 174 39 718 101 1,085 Loans charged off (76 ) — (192 ) (155 ) (49 ) (472 ) Recoveries 7 15 4 16 16 58 $ 315 $ 3,566 $ 1,162 $ 2,231 $ 112 $ 7,386 As of September 30, 2023 The following tables present the balance in the ACL and loans receivable by class of loans based on evaluation method. Allocation of a portion of the ACL to one not One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total September 30, 2023 Loans: Loans individually evaluated $ 72 $ — $ — $ 25,638 $ — $ 25,710 Loans collectively evaluated 19,161 528,251 117,641 422,049 1,351 1,088,453 $ 19,233 $ 528,251 $ 117,641 $ 447,687 $ 1,351 $ 1,114,163 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 296 4,547 1,150 2,535 31 8,559 $ 296 $ 4,547 $ 1,150 $ 2,535 $ 31 $ 8,559 One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total December 31, 2022 Loans: Loans individually evaluated $ 752 $ 473 $ — $ 1,487 $ — $ 2,712 Loans collectively evaluated 22,381 536,921 119,705 551,569 1,584 1,232,160 $ 23,133 $ 537,394 $ 119,705 $ 553,056 $ 1,584 $ 1,234,872 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 281 4,017 1,234 2,548 49 8,129 $ 281 $ 4,017 $ 1,234 $ 2,548 $ 49 $ 8,129 Individually Evaluated Loans The following tables present loans individually evaluated by class of loans: Three Months Ended Nine Months Ended September 30, 2023 September 30, 2023 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized Average Investment Interest Income Recognized September 30, 2023 With no related allowance recorded: One-to-four family residential real estate $ 70 $ 72 $ — $ — $ 73 $ 1 $ 78 $ 3 Commercial loans and leases 27,222 25,638 1,538 — 24,544 5 14,053 30 $ 27,292 $ 25,710 $ 1,538 $ — $ 24,617 $ 6 $ 14,131 $ 33 Year ended December 31, 2022 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized December 31, 2022 With no related allowance recorded: One-to-four family residential real estate $ 752 $ 752 $ — $ — $ 1,143 $ 29 Multi-family mortgage 473 473 — — 590 27 Commercial loans and leases 1,606 1,487 49 — 445 47 $ 2,831 $ 2,712 $ 49 $ — $ 2,178 $ 103 Nonaccrual Loans The following tables present the recorded investment in nonaccrual loans and loans 90 Nonaccrual Loans Past Due Over 90 Days Still Accruing September 30, 2023 One-to-four family residential real estate $ 40 $ — Commercial loans and leases 23,468 6,245 $ 23,508 $ 6,245 December 31, 2022 One-to-four family residential real estate $ 92 $ — Commercial loans and leases 1,310 238 Consumer 5 — $ 1,407 $ 238 Nonaccrual loans and individually evaluated loans are defined differently. Some loans may may one The Company’s reserve for uncollected loan interest was $1.2 million and $38,000 at September 30, 2023 December 31, 2022 Past Due Loans The following tables present the aging of the recorded investment of loans by portfolio segment: 30-59 Days Past Due 60-89 Days Past Due Greater Than 89 Days Past Due Total Past Due Nonaccrual Current Total September 30, 2023 One-to-four family residential real estate loans $ — $ 2 $ — $ 2 $ 40 $ 19,191 $ 19,233 Multi-family mortgage: Senior notes — 2,091 — 2,091 — 483,858 485,949 Junior notes — — — — — 42,302 42,302 Nonresidential real estate: Owner occupied — — — — — 21,423 21,423 Non-owner occupied — — — — — 96,218 96,218 Commercial loans and leases: Commercial 187 31 2,144 2,362 4,512 224,815 231,689 Equipment finance - Government 2,001 13,529 4,101 19,631 18,889 123,568 162,088 Equipment finance - Corporate Investment-grade — 213 — 213 67 53,630 53,910 Consumer 4 3 — 7 — 1,344 1,351 $ 2,192 $ 15,869 $ 6,245 $ 24,306 $ 23,508 $ 1,066,349 $ 1,114,163 30-59 Days Past Due 60-89 Days Past Due Greater Than 89 Days Past Due Total Past Due Nonaccrual Current Total December 31, 2022 One-to-four family residential real estate loans $ 411 $ 19 $ — $ 430 $ 92 $ 22,611 $ 23,133 Multi-family mortgage: Senior notes 31 — — 31 — 494,957 494,988 Junior notes — — — — — 42,406 42,406 Nonresidential real estate: Owner occupied — — — — — 22,617 22,617 Non-owner occupied — — — — — 97,088 97,088 Commercial loans and leases: Commercial 2,424 336 111 2,871 1,310 279,272 283,453 Equipment finance - Government 2,034 5,106 — 7,140 — 204,443 211,583 Equipment finance - Corporate Investment-grade — 81 127 208 — 57,812 58,020 Consumer 12 4 — 16 5 1,563 1,584 $ 4,912 $ 5,546 $ 238 $ 10,696 $ 1,407 $ 1,222,769 $ 1,234,872 At September 30, 2023 2022 02 “Financial Instruments—Credit Losses (Topic 326 At December 31, 2022 not 4013 2020 35 340 10 340 10, no December 31, 2022. 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 as to credit risk. Risk ratings are updated any time the situation warrants. The Company uses the following definitions for risk ratings: Pass. Watch. not Special Mention. may not not Substandard. may not not Nonaccrual. one Based on the most recent analysis performed, the risk categories of loans by class of loans are as follows: Pass Watch Special Mention Substandard Substandard Nonaccrual Total September 30, 2023 One-to-four family residential real estate $ 18,870 $ 41 $ — $ 282 $ 40 $ 19,233 Multi-family mortgage 523,406 3,510 1,335 — — 528,251 Nonresidential real estate 113,354 4,287 — — — 117,641 Commercial loans and leases 391,602 26,932 — 5,685 23,468 447,687 Consumer 1,340 5 3 3 — 1,351 $ 1,048,572 $ 34,775 $ 1,338 $ 5,970 $ 23,508 $ 1,114,163 Pass Watch Special Mention Substandard Substandard Nonaccrual Total December 31, 2022 One-to-four family residential real estate $ 22,648 $ 62 $ 4 $ 327 $ 92 $ 23,133 Multi-family mortgage 534,253 3,141 — — — 537,394 Nonresidential real estate 116,635 3,070 — — — 119,705 Commercial loans and leases 523,889 22,299 1,517 4,041 1,310 553,056 Consumer 1,559 12 4 4 5 1,584 $ 1,198,984 $ 28,584 $ 1,525 $ 4,372 $ 1,407 $ 1,234,872 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving loans Total September 30, 2023 One-to-four family residential real estate loans: Risk-rating Pass $ — $ — $ — $ 154 $ — $ 14,799 $ 3,917 $ 18,870 Watch — — — — — 41 — 41 Substandard — — — — — 134 148 282 Nonaccrual — — — — — 17 23 40 $ — $ — $ — $ 154 $ — $ 14,991 $ 4,088 $ 19,233 One-to-four family residential real estate loans: Current period recoveries $ — $ — $ — $ — $ — $ 44 $ — $ 44 $ — $ — $ — $ — $ — $ 44 $ — $ 44 Multi-family mortgage: Risk rating Pass $ 38,554 $ 211,954 $ 113,728 $ 59,159 $ 22,304 $ 69,481 $ 8,226 $ 523,406 Watch — 650 — 264 — 2,596 — 3,510 Special mention — 1,335 — — — — — 1,335 $ 38,554 $ 213,939 $ 113,728 $ 59,423 $ 22,304 $ 72,077 $ 8,226 $ 528,251 Multi-family mortgage: Current period recoveries $ — $ — $ — $ — $ — $ 15 $ — $ 15 $ — $ — $ — $ — $ — $ 15 $ — $ 15 Nonresidential real estate: Risk rating Pass $ 11,692 $ 51,053 $ 20,622 $ 7,900 $ 9,773 $ 12,210 $ 104 $ 113,354 Watch — 2,567 1,547 — — 173 — 4,287 $ 11,692 $ 53,620 $ 22,169 $ 7,900 $ 9,773 $ 12,383 $ 104 $ 117,641 Commercial loans and leases : Risk rating Pass $ 41,000 $ 150,387 $ 77,204 $ 46,837 $ 4,618 $ 2,319 $ 69,237 $ 391,602 Watch 4,101 8,114 1,006 353 — — 13,358 26,932 Substandard — 2,143 — 27 — — 3,515 5,685 Nonaccrual 11 22,028 540 889 — — — 23,468 $ 45,112 $ 182,672 $ 78,750 $ 48,106 $ 4,618 $ 2,319 $ 86,110 $ 447,687 Commercial loans and leases : Current period gross charge-offs $ (20 ) $ (1,586 ) $ — $ — $ — $ — $ — $ (1,606 ) Current period recoveries — — 27 — — — — 27 $ (20 ) $ (1,586 ) $ 27 $ — $ — $ — $ — $ (1,579 ) Consumer: Risk rating Pass $ 167 $ 11 $ 146 $ 159 $ 278 $ — $ 579 $ 1,340 Watch — — — — — — 5 5 Special mention — — — — — — 3 3 Substandard — — — — — — 3 3 $ 167 $ 11 $ 146 $ 159 $ 278 $ — $ 590 $ 1,351 Consumer: Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ (43 ) $ (43 ) Current period recoveries — — — — — — 1 1 $ — $ — $ — $ — $ — $ — $ (42 ) $ (42 )

Note 5 - Foreclosed Assets

Note 5 - Foreclosed Assets	9 Months Ended
	Sep. 30, 2023
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 credit 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’ debts are initially recorded at fair value of the asset less estimated costs to sell. September 30, 2023 December 31, 2022 Balance Valuation Allowance Net Balance Balance Valuation Allowance Net Balance Other real estate owned $ 472 $ (4 ) $ 468 $ 472 $ — $ 472 Other foreclosed assets 478 (44 ) 434 4 — 4 $ 950 $ (48 ) $ 902 $ 476 $ — $ 476 The following represents the roll forward of foreclosed assets: For the Three Months Ended For the Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Beginning balance $ 950 $ 842 $ 476 $ 725 New foreclosed assets — — 921 319 Valuation adjustments (48 ) (31 ) (48 ) (31 ) Valuation reductions from sales — 157 — 184 Direct write-downs — — (70 ) — Sales — (444 ) (377 ) (673 ) Ending balance $ 902 $ 524 $ 902 $ 524 Activity in the valuation allowance is as follows: For the Three Months Ended For the Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Beginning balance $ — $ 200 $ — $ 227 Additions charged to expense 48 31 48 31 Reductions from sales — (157 ) — (184 ) Ending balance $ 48 $ 74 $ 48 $ 74 The were no consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process at September 30, 2023 December 31, 2022 September 30, 2023 September 30, 2023 no

Note 6 - Borrowings and Subordi

Note 6 - Borrowings and Subordinated Notes	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 6 Borrowings and subordinated notes were as follows: September 30, 2023 December 31, 2022 Contractual Contractual Rate Amount Rate Amount Fixed-rate advance from FHLB, due September 16, 2024 4.55 % $ 5,000 — % $ — Fixed-rate advance from FHLB, due March 17, 2025 4.27 % 5,000 — % — Fixed-rate advance from FHLB, due September 17, 2025 4.20 % 5,000 — % — Fixed-rate advance from FHLB, due March 17, 2026 4.15 % 5,000 — % — Fixed-rate advance from FHLB, due September 17, 2026 4.06 % 5,000 — % — Subordinated notes, due May 15, 2031 3.75 % 19,667 3.75 % 19,634 Line of credit, due March 29, 2024 8.00 % — 6.75 % — In 2021, May 15, 2031 ( September 30, 2023 December 31, 2022 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 0.50%, 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 29, 2024. September 30, 2023 December 31, 2022

Note 7 - Fair Value

Note 7 - Fair Value	9 Months Ended
	Sep. 30, 2023
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 Loans Evaluated Individually: not not 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 September 30, 2023 Securities: Certificates of deposit $ — $ 2,725 $ — $ 2,725 Municipal securities — 229 — 229 U.S. Treasury Notes 123,095 — — 123,095 U.S. government-sponsored agencies — 27,863 — 27,863 Mortgage-backed securities – residential — 3,480 — 3,480 Collateralized mortgage obligations – residential — 1,033 — 1,033 $ 123,095 $ 35,330 $ — $ 158,425 December 31, 2022 Securities: Certificates of deposit $ — $ 2,233 $ — $ 2,233 Municipal securities — 225 — 225 U.S. Treasury Notes 163,103 — — 163,103 U.S. government-sponsored agencies — 39,699 — 39,699 Mortgage-backed securities – residential — 3,881 — 3,881 Collateralized mortgage obligations – residential — 1,197 — 1,197 $ 163,103 $ 47,235 $ — $ 210,338 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 September 30, 2023 Other real estate owned $ — $ — $ 468 $ 468 Other foreclosed assets — — 387 387 At September 30, 2023 December 31, 2022 no Foreclosed assets are carried at the lower of cost or fair value less costs to sell. At September 30, 2023 December 31, 2022 there were no valuation allowances. There was a $48,000 valuation adjustment of other foreclosed assets recorded in the three nine September 30, 2023 three nine September 30, 2022. 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) September 30, 2023 Other real estate owned $ 468 Sales comparison Discount applied to valuation 10.0 % Other foreclosed assets 387 Sales comparison Discount applied to valuation 6.2 % In January 2023, second 2023, The carrying amount and estimated fair value of financial instruments are as follows: Fair Value Measurements at September 30, 2023 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 171,561 $ 169,321 $ 2,240 $ — $ 171,561 Securities 158,425 123,095 35,330 — 158,425 Loans receivable, net of allowance for credit losses 1,105,604 — — 1,049,622 1,049,622 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 8,343 437 436 7,470 8,343 Financial liabilities Certificates of deposit 221,164 — 217,933 — 217,933 Borrowings 25,000 — 24,621 — 24,621 Subordinated notes 19,667 — 17,171 — 17,171 Fair Value Measurements at December 31, 2022 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 66,771 $ 65,967 $ 804 $ — $ 66,771 Securities 210,338 163,103 47,235 — 210,338 Loans receivable, net of allowance for credit losses 1,226,743 — — 1,198,616 1,198,616 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 7,338 514 477 6,347 7,338 Financial liabilities Certificates of deposit 186,524 — 182,398 — 182,398 Subordinated notes 19,634 — 17,800 — 17,800 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	9 Months Ended
	Sep. 30, 2023
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 Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Deposit service charges and fees $ 836 $ 829 $ 2,482 $ 2,436 Loan servicing fees (1) 98 59 368 350 Trust and insurance commissions and annuities income 290 287 933 887 Losses on sales of securities (1) — — (454 ) — Gain on sale of premises and equipment — — 9 — Valuation adjustment on bank premises held-for-sale (1) — — (585 ) — (Loss) earnings on bank-owned life insurance (1) (88 ) (14 ) (259 ) 25 Bank-owned life insurance death benefit (1) — — — 446 Other (1) 104 126 298 426 Total noninterest income $ 1,240 $ 1,287 $ 2,792 $ 4,570 ( 1 Not 606 A description of the Company's revenue streams accounted for under ASC 606 Deposit service charges and fees: Interchange income: three September 30, 2023 2022 nine September 30, 2023 2022 Trust and insurance commissions and annuities income: i.e Gains/losses on sales of foreclosed assets and other assets: for the nine September 30, 2023 2022 not

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation nine September 30, 2023 not may December 31, 2023 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: 4 may third September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 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.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Credit Losses: January 1, 2023, 326” No. 2016 13, Financial Instruments Credit Losses (Topic 326 Measurement of Credit Losses on Financial Instruments 326 326 326 The Company adopted ASC 326 January 1, 2023 326 January 1, 2023 Post ASC 326 Adoption Pre-ASC 326 Adoption Pre-tax impact of ASC 326 Adoption Assets: Allowance One-to-four family residential real estate $ 380 $ 281 $ 99 Multi-family mortgage 4,647 4,017 630 Nonresidential real estate 1,300 1,234 66 Commercial loans and leases 3,670 2,548 1,122 Consumer 39 49 (10 ) Total allowance for credit losses $ 10,036 $ 8,129 $ 1,907 Liabilities: Unfunded commitment reserve $ 417 $ — $ 417 The allowance for credit losses (“ACL”) is evaluated on a regular basis and established through charges to earnings in the form of a provision for credit losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. a. Portfolio Segmentation ( Pooled Loans ) Portfolio segmentation is defined as the pooling of loans based upon similar risk characteristics such that quantitative methodologies and qualitative adjustment factors for estimating the allowance for credit losses is constructed for each segment. The allowance for credit losses for Pooled Loans estimate is based upon periodic review of the collectability of the loans quantitatively correlating historical loan experience with reasonable and supportable forecasts using forward looking information. Adjustments to the quantitative evaluation may b. Individually Evaluated Loans The Company establishes a specific loss reserve for individually evaluated loans which do not c. Accrued Interest Receivable Upon adoption of ASC 326 January 1, 2023, ● Presenting accrued interest receivable balances separately within another line item on the Consolidated Statements of Financial Condition. ● Continuing our policy to fully reserve accrued interest receivable by reversing interest income. For commercial loans, the reserve is established upon becoming 90 120 not ● Not d. Reserve for Unfunded Commitments The reserve for unfunded commitments (the “Unfunded Commitment Reserve”) represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit and standby letters of credit. However, a liability is not
Troubled Debt Restructuring and Vintage Disclosures [Policy Text Block]	Troubled Debt Restructurings and Vintage Disclosures: 2022 02 “Financial Instruments—Credit Losses (Topic 326 326. 310 20 January 1, 2023.
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, 2022

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Accounting Standards Update and Change in Accounting Principle [Table Text Block]	January 1, 2023 Post ASC 326 Adoption Pre-ASC 326 Adoption Pre-tax impact of ASC 326 Adoption Assets: Allowance One-to-four family residential real estate $ 380 $ 281 $ 99 Multi-family mortgage 4,647 4,017 630 Nonresidential real estate 1,300 1,234 66 Commercial loans and leases 3,670 2,548 1,122 Consumer 39 49 (10 ) Total allowance for credit losses $ 10,036 $ 8,129 $ 1,907 Liabilities: Unfunded commitment reserve $ 417 $ — $ 417

Note 2 - Earnings Per Share (Ta

Note 2 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Net income available to common stockholders $ 2,369 $ 3,221 $ 7,314 $ 7,056 Basic and diluted weighted average common shares outstanding 12,578,494 13,060,266 12,655,305 13,142,584 Basic and diluted earnings per common share $ 0.19 $ 0.25 $ 0.58 $ 0.54

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023 Certificates of deposit $ 2,725 $ — $ — $ 2,725 Municipal securities 240 — (11 ) 229 U.S. Treasury Notes 128,326 — (5,231 ) 123,095 U.S. government-sponsored agencies 28,000 — (137 ) 27,863 Mortgage-backed securities - residential 3,622 23 (165 ) 3,480 Collateralized mortgage obligations - residential 1,059 — (26 ) 1,033 $ 163,972 $ 23 $ (5,570 ) $ 158,425 December 31, 2022 Certificates of deposit $ 2,233 $ — $ — $ 2,233 Municipal securities 240 — (15 ) 225 U.S. Treasury Notes 170,906 — (7,803 ) 163,103 U.S. government-sponsored agencies 40,000 — (301 ) 39,699 Mortgage-backed securities - residential 3,997 27 (143 ) 3,881 Collateralized mortgage obligations - residential 1,223 — (26 ) 1,197 $ 218,599 $ 27 $ (8,288 ) $ 210,338
Investments Classified by Contractual Maturity Date [Table Text Block]	September 30, 2023 Amortized Cost Fair Value Due in one year or less $ 87,637 $ 86,118 Due after one year through five years 71,654 67,794 159,291 153,912 Mortgage-backed securities - residential 3,622 3,480 Collateralized mortgage obligations - residential 1,059 1,033 $ 163,972 $ 158,425
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 September 30, 2023 Municipal securities — $ — $ — 1 $ 229 $ (11 ) 1 $ 229 $ (11 ) U.S. Treasury Notes — — — 181 123,095 (5,231 ) 181 123,095 (5,231 ) U.S. government-sponsored agencies 3 12,922 (78 ) 3 14,941 (59 ) 6 27,863 (137 ) Mortgage-backed securities - residential 2 111 (3 ) 16 2,652 (162 ) 18 2,763 (165 ) Collateralized mortgage obligations - residential — — — 7 1,033 (26 ) 7 1,033 (26 ) 5 $ 13,033 $ (81 ) 208 $ 141,950 $ (5,489 ) 213 $ 154,983 $ (5,570 ) December 31, 2022 Municipal securities 1 $ 225 $ (15 ) — $ — $ — 1 $ 225 $ (15 ) U.S. Treasury Notes 147 104,439 (4,104 ) 53 58,664 (3,699 ) 200 163,103 (7,803 ) U.S. government-sponsored agencies 9 39,699 (301 ) — — — 9 39,699 (301 ) Mortgage-backed securities - residential 18 3,016 (143 ) — — — 18 3,016 (143 ) Collateralized mortgage obligations - residential 5 1,009 (18 ) 1 171 (8 ) 6 1,180 (26 ) 180 $ 148,388 $ (4,581 ) 54 $ 58,835 $ (3,707 ) 234 $ 207,223 $ (8,288 )
Gain (Loss) on Securities [Table Text Block]	Three Months Ended Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Proceeds $ — $ — $ 42,631 $ — Gross gains — — — — Gross losses — — (454 ) —

Note 4 - Loans Receivable (Tabl

Note 4 - Loans Receivable (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, 2023 December 31, 2022 One-to-four family residential real estate $ 19,233 $ 23,133 Multi-family mortgage 528,251 537,394 Nonresidential real estate 117,641 119,705 Commercial loans and leases 447,687 553,056 Consumer 1,351 1,584 1,114,163 1,234,872 Allowance for credit losses (8,559 ) (8,129 ) Loans, net $ 1,105,604 $ 1,226,743
Financing Receivable, Allowance for Credit Loss [Table Text Block]	One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total For the three months ended September 30, 2023 Beginning balance $ 326 $ 4,679 $ 1,245 $ 2,943 $ 33 $ 9,226 Provision for (recovery of) credit losses (62 ) (136 ) (95 ) 461 12 180 Loans charged off — — — (889 ) (14 ) (903 ) Recoveries 32 4 — 20 — 56 $ 296 $ 4,547 $ 1,150 $ 2,535 $ 31 $ 8,559 September 30, 2022 Beginning balance $ 286 $ 3,632 $ 1,093 $ 2,149 $ 42 $ 7,202 Provision for (recovery of) credit losses 98 (72 ) 67 171 86 350 Loans charged off (71 ) — — (104 ) (16 ) (191 ) Recoveries 2 6 2 15 — 25 $ 315 $ 3,566 $ 1,162 $ 2,231 $ 112 $ 7,386 One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total For the nine months ended September 30, 2023 Beginning balance, prior to adoption of ASC 326 $ 281 $ 4,017 $ 1,234 $ 2,548 $ 49 $ 8,129 Impact of adopting ASC 326 99 630 66 1,122 (10 ) 1,907 Beginning balance, after adoption of ASC 326 380 4,647 1,300 3,670 39 10,036 Provision for (recovery of) credit losses (128 ) (115 ) (150 ) 444 34 85 Loans charged off — — — (1,606 ) (43 ) (1,649 ) Recoveries 44 15 — 27 1 87 $ 296 $ 4,547 $ 1,150 $ 2,535 $ 31 $ 8,559 September 30, 2022 Beginning balance $ 331 $ 3,377 $ 1,311 $ 1,652 $ 44 $ 6,715 Provision for credit losses 53 174 39 718 101 1,085 Loans charged off (76 ) — (192 ) (155 ) (49 ) (472 ) Recoveries 7 15 4 16 16 58 $ 315 $ 3,566 $ 1,162 $ 2,231 $ 112 $ 7,386
Financing Receivable and Allowance for Loan Losses Based on Impairment Method [Table Text Block]	One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total September 30, 2023 Loans: Loans individually evaluated $ 72 $ — $ — $ 25,638 $ — $ 25,710 Loans collectively evaluated 19,161 528,251 117,641 422,049 1,351 1,088,453 $ 19,233 $ 528,251 $ 117,641 $ 447,687 $ 1,351 $ 1,114,163 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 296 4,547 1,150 2,535 31 8,559 $ 296 $ 4,547 $ 1,150 $ 2,535 $ 31 $ 8,559 One-to-four family residential real estate Multi-family mortgage Nonresidential real estate Commercial loans and leases Consumer Total December 31, 2022 Loans: Loans individually evaluated $ 752 $ 473 $ — $ 1,487 $ — $ 2,712 Loans collectively evaluated 22,381 536,921 119,705 551,569 1,584 1,232,160 $ 23,133 $ 537,394 $ 119,705 $ 553,056 $ 1,584 $ 1,234,872 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 281 4,017 1,234 2,548 49 8,129 $ 281 $ 4,017 $ 1,234 $ 2,548 $ 49 $ 8,129
Impaired Financing Receivables [Table Text Block]	Three Months Ended Nine Months Ended September 30, 2023 September 30, 2023 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized Average Investment Interest Income Recognized September 30, 2023 With no related allowance recorded: One-to-four family residential real estate $ 70 $ 72 $ — $ — $ 73 $ 1 $ 78 $ 3 Commercial loans and leases 27,222 25,638 1,538 — 24,544 5 14,053 30 $ 27,292 $ 25,710 $ 1,538 $ — $ 24,617 $ 6 $ 14,131 $ 33 Year ended December 31, 2022 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized December 31, 2022 With no related allowance recorded: One-to-four family residential real estate $ 752 $ 752 $ — $ — $ 1,143 $ 29 Multi-family mortgage 473 473 — — 590 27 Commercial loans and leases 1,606 1,487 49 — 445 47 $ 2,831 $ 2,712 $ 49 $ — $ 2,178 $ 103
Financing Receivable, Nonaccrual [Table Text Block]	Nonaccrual Loans Past Due Over 90 Days Still Accruing September 30, 2023 One-to-four family residential real estate $ 40 $ — Commercial loans and leases 23,468 6,245 $ 23,508 $ 6,245 December 31, 2022 One-to-four family residential real estate $ 92 $ — Commercial loans and leases 1,310 238 Consumer 5 — $ 1,407 $ 238
Financing Receivable, Past Due [Table Text Block]	30-59 Days Past Due 60-89 Days Past Due Greater Than 89 Days Past Due Total Past Due Nonaccrual Current Total September 30, 2023 One-to-four family residential real estate loans $ — $ 2 $ — $ 2 $ 40 $ 19,191 $ 19,233 Multi-family mortgage: Senior notes — 2,091 — 2,091 — 483,858 485,949 Junior notes — — — — — 42,302 42,302 Nonresidential real estate: Owner occupied — — — — — 21,423 21,423 Non-owner occupied — — — — — 96,218 96,218 Commercial loans and leases: Commercial 187 31 2,144 2,362 4,512 224,815 231,689 Equipment finance - Government 2,001 13,529 4,101 19,631 18,889 123,568 162,088 Equipment finance - Corporate Investment-grade — 213 — 213 67 53,630 53,910 Consumer 4 3 — 7 — 1,344 1,351 $ 2,192 $ 15,869 $ 6,245 $ 24,306 $ 23,508 $ 1,066,349 $ 1,114,163 30-59 Days Past Due 60-89 Days Past Due Greater Than 89 Days Past Due Total Past Due Nonaccrual Current Total December 31, 2022 One-to-four family residential real estate loans $ 411 $ 19 $ — $ 430 $ 92 $ 22,611 $ 23,133 Multi-family mortgage: Senior notes 31 — — 31 — 494,957 494,988 Junior notes — — — — — 42,406 42,406 Nonresidential real estate: Owner occupied — — — — — 22,617 22,617 Non-owner occupied — — — — — 97,088 97,088 Commercial loans and leases: Commercial 2,424 336 111 2,871 1,310 279,272 283,453 Equipment finance - Government 2,034 5,106 — 7,140 — 204,443 211,583 Equipment finance - Corporate Investment-grade — 81 127 208 — 57,812 58,020 Consumer 12 4 — 16 5 1,563 1,584 $ 4,912 $ 5,546 $ 238 $ 10,696 $ 1,407 $ 1,222,769 $ 1,234,872
Financing Receivable Credit Quality Indicators [Table Text Block]	Pass Watch Special Mention Substandard Substandard Nonaccrual Total September 30, 2023 One-to-four family residential real estate $ 18,870 $ 41 $ — $ 282 $ 40 $ 19,233 Multi-family mortgage 523,406 3,510 1,335 — — 528,251 Nonresidential real estate 113,354 4,287 — — — 117,641 Commercial loans and leases 391,602 26,932 — 5,685 23,468 447,687 Consumer 1,340 5 3 3 — 1,351 $ 1,048,572 $ 34,775 $ 1,338 $ 5,970 $ 23,508 $ 1,114,163 Pass Watch Special Mention Substandard Substandard Nonaccrual Total December 31, 2022 One-to-four family residential real estate $ 22,648 $ 62 $ 4 $ 327 $ 92 $ 23,133 Multi-family mortgage 534,253 3,141 — — — 537,394 Nonresidential real estate 116,635 3,070 — — — 119,705 Commercial loans and leases 523,889 22,299 1,517 4,041 1,310 553,056 Consumer 1,559 12 4 4 5 1,584 $ 1,198,984 $ 28,584 $ 1,525 $ 4,372 $ 1,407 $ 1,234,872 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving loans Total September 30, 2023 One-to-four family residential real estate loans: Risk-rating Pass $ — $ — $ — $ 154 $ — $ 14,799 $ 3,917 $ 18,870 Watch — — — — — 41 — 41 Substandard — — — — — 134 148 282 Nonaccrual — — — — — 17 23 40 $ — $ — $ — $ 154 $ — $ 14,991 $ 4,088 $ 19,233 One-to-four family residential real estate loans: Current period recoveries $ — $ — $ — $ — $ — $ 44 $ — $ 44 $ — $ — $ — $ — $ — $ 44 $ — $ 44 Multi-family mortgage: Risk rating Pass $ 38,554 $ 211,954 $ 113,728 $ 59,159 $ 22,304 $ 69,481 $ 8,226 $ 523,406 Watch — 650 — 264 — 2,596 — 3,510 Special mention — 1,335 — — — — — 1,335 $ 38,554 $ 213,939 $ 113,728 $ 59,423 $ 22,304 $ 72,077 $ 8,226 $ 528,251 Multi-family mortgage: Current period recoveries $ — $ — $ — $ — $ — $ 15 $ — $ 15 $ — $ — $ — $ — $ — $ 15 $ — $ 15 Nonresidential real estate: Risk rating Pass $ 11,692 $ 51,053 $ 20,622 $ 7,900 $ 9,773 $ 12,210 $ 104 $ 113,354 Watch — 2,567 1,547 — — 173 — 4,287 $ 11,692 $ 53,620 $ 22,169 $ 7,900 $ 9,773 $ 12,383 $ 104 $ 117,641 Commercial loans and leases : Risk rating Pass $ 41,000 $ 150,387 $ 77,204 $ 46,837 $ 4,618 $ 2,319 $ 69,237 $ 391,602 Watch 4,101 8,114 1,006 353 — — 13,358 26,932 Substandard — 2,143 — 27 — — 3,515 5,685 Nonaccrual 11 22,028 540 889 — — — 23,468 $ 45,112 $ 182,672 $ 78,750 $ 48,106 $ 4,618 $ 2,319 $ 86,110 $ 447,687 Commercial loans and leases : Current period gross charge-offs $ (20 ) $ (1,586 ) $ — $ — $ — $ — $ — $ (1,606 ) Current period recoveries — — 27 — — — — 27 $ (20 ) $ (1,586 ) $ 27 $ — $ — $ — $ — $ (1,579 ) Consumer: Risk rating Pass $ 167 $ 11 $ 146 $ 159 $ 278 $ — $ 579 $ 1,340 Watch — — — — — — 5 5 Special mention — — — — — — 3 3 Substandard — — — — — — 3 3 $ 167 $ 11 $ 146 $ 159 $ 278 $ — $ 590 $ 1,351 Consumer: Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ (43 ) $ (43 ) Current period recoveries — — — — — — 1 1 $ — $ — $ — $ — $ — $ — $ (42 ) $ (42 )

Note 5 - Foreclosed Assets (Tab

Note 5 - Foreclosed Assets (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Other Real Estate Owned and Other Foreclosed Assets [Table Text Block]	September 30, 2023 December 31, 2022 Balance Valuation Allowance Net Balance Balance Valuation Allowance Net Balance Other real estate owned $ 472 $ (4 ) $ 468 $ 472 $ — $ 472 Other foreclosed assets 478 (44 ) 434 4 — 4 $ 950 $ (48 ) $ 902 $ 476 $ — $ 476
Roll Forward of Foreclosed Assets [Table Text Block]	For the Three Months Ended For the Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Beginning balance $ 950 $ 842 $ 476 $ 725 New foreclosed assets — — 921 319 Valuation adjustments (48 ) (31 ) (48 ) (31 ) Valuation reductions from sales — 157 — 184 Direct write-downs — — (70 ) — Sales — (444 ) (377 ) (673 ) Ending balance $ 902 $ 524 $ 902 $ 524
Foreclosed Assets, Valuation Allowance [Table Text Block]	For the Three Months Ended For the Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Beginning balance $ — $ 200 $ — $ 227 Additions charged to expense 48 31 48 31 Reductions from sales — (157 ) — (184 ) Ending balance $ 48 $ 74 $ 48 $ 74

Note 6 - Borrowings and Subor_2

Note 6 - Borrowings and Subordinated Notes (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Federal Home Loan Bank, Advances [Table Text Block]	September 30, 2023 December 31, 2022 Contractual Contractual Rate Amount Rate Amount Fixed-rate advance from FHLB, due September 16, 2024 4.55 % $ 5,000 — % $ — Fixed-rate advance from FHLB, due March 17, 2025 4.27 % 5,000 — % — Fixed-rate advance from FHLB, due September 17, 2025 4.20 % 5,000 — % — Fixed-rate advance from FHLB, due March 17, 2026 4.15 % 5,000 — % — Fixed-rate advance from FHLB, due September 17, 2026 4.06 % 5,000 — % — Subordinated notes, due May 15, 2031 3.75 % 19,667 3.75 % 19,634 Line of credit, due March 29, 2024 8.00 % — 6.75 % —

Note 7 - Fair Value (Tables)

Note 7 - Fair Value (Tables)	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023 Securities: Certificates of deposit $ — $ 2,725 $ — $ 2,725 Municipal securities — 229 — 229 U.S. Treasury Notes 123,095 — — 123,095 U.S. government-sponsored agencies — 27,863 — 27,863 Mortgage-backed securities – residential — 3,480 — 3,480 Collateralized mortgage obligations – residential — 1,033 — 1,033 $ 123,095 $ 35,330 $ — $ 158,425 December 31, 2022 Securities: Certificates of deposit $ — $ 2,233 $ — $ 2,233 Municipal securities — 225 — 225 U.S. Treasury Notes 163,103 — — 163,103 U.S. government-sponsored agencies — 39,699 — 39,699 Mortgage-backed securities – residential — 3,881 — 3,881 Collateralized mortgage obligations – residential — 1,197 — 1,197 $ 163,103 $ 47,235 $ — $ 210,338
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 September 30, 2023 Other real estate owned $ — $ — $ 468 $ 468 Other foreclosed assets — — 387 387
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) September 30, 2023 Other real estate owned $ 468 Sales comparison Discount applied to valuation 10.0 % Other foreclosed assets 387 Sales comparison Discount applied to valuation 6.2 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at September 30, 2023 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 171,561 $ 169,321 $ 2,240 $ — $ 171,561 Securities 158,425 123,095 35,330 — 158,425 Loans receivable, net of allowance for credit losses 1,105,604 — — 1,049,622 1,049,622 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 8,343 437 436 7,470 8,343 Financial liabilities Certificates of deposit 221,164 — 217,933 — 217,933 Borrowings 25,000 — 24,621 — 24,621 Subordinated notes 19,667 — 17,171 — 17,171 Fair Value Measurements at December 31, 2022 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 66,771 $ 65,967 $ 804 $ — $ 66,771 Securities 210,338 163,103 47,235 — 210,338 Loans receivable, net of allowance for credit losses 1,226,743 — — 1,198,616 1,198,616 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 7,338 514 477 6,347 7,338 Financial liabilities Certificates of deposit 186,524 — 182,398 — 182,398 Subordinated notes 19,634 — 17,800 — 17,800

Note 8 - Revenue From Contrac_2

Note 8 - Revenue From Contracts With Customers (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended Nine Months Ended September 30, September 30, 2023 2022 2023 2022 Deposit service charges and fees $ 836 $ 829 $ 2,482 $ 2,436 Loan servicing fees (1) 98 59 368 350 Trust and insurance commissions and annuities income 290 287 933 887 Losses on sales of securities (1) — — (454 ) — Gain on sale of premises and equipment — — 9 — Valuation adjustment on bank premises held-for-sale (1) — — (585 ) — (Loss) earnings on bank-owned life insurance (1) (88 ) (14 ) (259 ) 25 Bank-owned life insurance death benefit (1) — — — 446 Other (1) 104 126 298 426 Total noninterest income $ 1,240 $ 1,287 $ 2,792 $ 4,570

Note 1 - Summary of Significa_3

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)	Sep. 30, 2023	Jun. 30, 2023	Jan. 01, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Factored Receivable Unpaid Principal Balance	$ 5,900,000			$ 7,000,000
Factored Receivable, Customer Reserves	1,900,000			1,400,000
Retained Earnings (Accumulated Deficit)	73,602,000			71,808,000
Financing Receivable, Allowance for Credit Loss	$ 8,559,000	$ 9,226,000		8,129,000	$ 7,386,000	$ 7,202,000	$ 6,715,000
Cumulative Effect, Period of Adoption, Adjustment [Member]
Off-Balance-Sheet, Credit Loss, Liability			$ 417,000
Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss			8,129,000	8,129,000
Off-Balance-Sheet, Credit Loss, Liability			0
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Retained Earnings (Accumulated Deficit)			(1,700,000)
Financing Receivable, Allowance for Credit Loss			1,907,000	$ 1,907,000
Off-Balance-Sheet, Credit Loss, Liability			417,000
Deferred Tax Assets, Gross			$ 604,000

Note 1 - Summary of Significa_4

Note 1 - Summary of Significant Accounting Policies - Summary of Adoption of New Accounting Standards (Details) - USD ($)	Sep. 30, 2023	Jun. 30, 2023	Jan. 01, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Allowance for loan losses	$ 8,559,000	$ 9,226,000		$ 8,129,000	$ 7,386,000	$ 7,202,000	$ 6,715,000
Commercial Portfolio Segment [Member]
Allowance for loan losses	2,535,000	2,943,000		2,548,000	2,231,000	2,149,000	1,652,000
Consumer Portfolio Segment [Member]
Allowance for loan losses	31,000	33,000		49,000	112,000	42,000	44,000
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses	296,000	326,000		281,000	315,000	286,000	331,000
Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Allowance for loan losses	4,547,000	4,679,000		4,017,000	3,566,000	3,632,000	3,377,000
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses	$ 1,150,000	$ 1,245,000		1,234,000	$ 1,162,000	$ 1,093,000	$ 1,311,000
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Unfunded commitment reserve			$ 417,000
Cumulative Effect, Period of Adoption, Adjustment [Member]
Unfunded commitment reserve			417,000
Accounting Standards Update 2016-13 [Member]
Allowance for loan losses			8,129,000	8,129,000
Unfunded commitment reserve			0
Accounting Standards Update 2016-13 [Member] | Commercial Portfolio Segment [Member]
Allowance for loan losses			2,548,000	2,548,000
Accounting Standards Update 2016-13 [Member] | Consumer Portfolio Segment [Member]
Allowance for loan losses			49,000	49,000
Accounting Standards Update 2016-13 [Member] | One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			281,000	281,000
Accounting Standards Update 2016-13 [Member] | Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			4,017,000	4,017,000
Accounting Standards Update 2016-13 [Member] | Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			1,234,000	1,234,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for loan losses			10,036,000	10,036,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Commercial Portfolio Segment [Member]
Allowance for loan losses			3,670,000	3,670,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Consumer Portfolio Segment [Member]
Allowance for loan losses			39,000	39,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			380,000	380,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			4,647,000	4,647,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			1,300,000	1,300,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Allowance for loan losses			1,907,000	1,907,000
Unfunded commitment reserve			417,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Commercial Portfolio Segment [Member]
Allowance for loan losses			1,122,000	1,122,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Consumer Portfolio Segment [Member]
Allowance for loan losses			(10,000)	(10,000)
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			99,000	99,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			630,000	630,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Allowance for loan losses			$ 66,000	$ 66,000

Note 2 - Earnings Per Share - E

Note 2 - Earnings Per Share - Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Net income available to common stockholders	$ 2,369	$ 3,221	$ 7,314	$ 7,056
Basic and diluted weighted average common shares outstanding (in shares)	12,578,494	13,060,266	12,655,305	13,142,584
Basic and diluted earnings per common share (in dollars per share)	$ 0.19	$ 0.25	$ 0.58	$ 0.54

Note 3 - Securities - Fair Valu

Note 3 - Securities - Fair Value of Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized cost	$ 163,972	$ 218,599
Gross unrealized gains	23	27
Gross unrealized losses	(5,570)	(8,288)
Fair value	158,425	210,338
Certificates of Deposit [Member]
Amortized cost	2,725	2,233
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	2,725	2,233
US States and Political Subdivisions Debt Securities [Member]
Amortized cost	240	240
Gross unrealized gains	0	0
Gross unrealized losses	(11)	(15)
Fair value	229	225
US Treasury Securities [Member]
Amortized cost	128,326	170,906
Gross unrealized gains	0	0
Gross unrealized losses	(5,231)	(7,803)
Fair value	123,095	163,103
US Government-sponsored Enterprises Debt Securities [Member]
Amortized cost	28,000	40,000
Gross unrealized gains	0	0
Gross unrealized losses	(137)	(301)
Fair value	27,863	39,699
Residential Mortgage-Backed Securities [Member]
Amortized cost	3,622	3,997
Gross unrealized gains	23	27
Gross unrealized losses	(165)	(143)
Fair value	3,480	3,881
Collateralized Mortgage-Backed Securities [Member]
Amortized cost	1,059	1,223
Gross unrealized gains	0	0
Gross unrealized losses	(26)	(26)
Fair value	$ 1,033	$ 1,197

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities By Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Due in one year or less, amortized cost	$ 87,637
Due in one year or less, fair value	86,118
Due after one year through five years, amortized cost	71,654
Due after one year through five years	67,794
Amortized cost, single maturity date, amortized cost	159,291
Fair value, single maturity date	153,912
Amortized cost	163,972	$ 218,599
Fair value	158,425	210,338
Residential Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	3,622
Fair value, without single maturity date	3,480
Amortized cost	3,622	3,997
Fair value	3,480	3,881
Collateralized Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	1,059
Fair value, without single maturity date	1,033
Amortized cost	1,059	1,223
Fair value	$ 1,033	$ 1,197

Note 3 - Securities - Securitie

Note 3 - Securities - Securities With Unrealized Losses (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Count, less than 12 months	5	180
Collateralized mortgage obligations - residential, fair value	$ 13,033	$ 148,388
Unrealized loss, less than 12 months	$ (81)	$ (4,581)
Count, 12 months or more	208	54
Fair value, 12 months or more	$ 141,950	$ 58,835
Unrealized loss, 12 months or more	$ (5,489)	$ (3,707)
Count, total	213	234
Fair value, total	$ 154,983	$ 207,223
Unrealized loss, total	$ (5,570)	$ (8,288)
US States and Political Subdivisions Debt Securities [Member]
Count, less than 12 months	0	1
Collateralized mortgage obligations - residential, fair value	$ 0	$ 225
Unrealized loss, less than 12 months	$ 0	$ (15)
Count, 12 months or more	1	0
Fair value, 12 months or more	$ 229	$ 0
Unrealized loss, 12 months or more	$ (11)	$ 0
Count, total	1	1
Fair value, total	$ 229	$ 225
Unrealized loss, total	$ (11)	$ (15)
US Treasury Securities [Member]
Count, less than 12 months	0	147
Collateralized mortgage obligations - residential, fair value	$ 0	$ 104,439
Unrealized loss, less than 12 months	$ 0	$ (4,104)
Count, 12 months or more	181	53
Fair value, 12 months or more	$ 123,095	$ 58,664
Unrealized loss, 12 months or more	$ (5,231)	$ (3,699)
Count, total	181	200
Fair value, total	$ 123,095	$ 163,103
Unrealized loss, total	$ (5,231)	$ (7,803)
US Government-sponsored Enterprises Debt Securities [Member]
Count, less than 12 months	3	9
Collateralized mortgage obligations - residential, fair value	$ 12,922	$ 39,699
Unrealized loss, less than 12 months	$ (78)	$ (301)
Count, 12 months or more	3	0
Fair value, 12 months or more	$ 14,941	$ 0
Unrealized loss, 12 months or more	$ (59)	$ 0
Count, total	6	9
Fair value, total	$ 27,863	$ 39,699
Unrealized loss, total	$ (137)	$ (301)
Residential Mortgage-Backed Securities [Member]
Count, less than 12 months	2	18
Collateralized mortgage obligations - residential, fair value	$ 111	$ 3,016
Unrealized loss, less than 12 months	$ (3)	$ (143)
Count, 12 months or more	16	0
Fair value, 12 months or more	$ 2,652	$ 0
Unrealized loss, 12 months or more	$ (162)	$ 0
Count, total	18	18
Fair value, total	$ 2,763	$ 3,016
Unrealized loss, total	$ (165)	$ (143)
Collateralized Mortgage-Backed Securities [Member]
Count, less than 12 months	0	5
Collateralized mortgage obligations - residential, fair value	$ 0	$ 1,009
Unrealized loss, less than 12 months	$ 0	$ (18)
Count, 12 months or more	7	1
Fair value, 12 months or more	$ 1,033	$ 171
Unrealized loss, 12 months or more	$ (26)	$ (8)
Count, total	7	6
Fair value, total	$ 1,033	$ 1,180
Unrealized loss, total	$ (26)	$ (26)

Note 3 - Securities - Proceeds

Note 3 - Securities - Proceeds and Gains and Losses From Sale of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Proceeds from sale of securities	$ 0	$ 0	$ 42,631	$ 0
Gross gains	0	0	0	0
Gross losses	$ 0	$ 0	$ (454)	$ 0

Note 4 - Loans Receivable (Deta

Note 4 - Loans Receivable (Details Textual) Pure in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, Unamortized Loan Cost (Fee)	$ 1,700,000		$ 1,600,000
Financing Receivable, Allowance for Credit Loss	8,559,000	$ 9,226,000	8,129,000	$ 7,386,000	$ 7,202,000	$ 6,715,000
Reserve for Uncollected Loan Interest	$ 1,200,000		$ 38,000
Financing Receivable, Modified, Number of Contracts	0
Unfunded Loan Commitment [Member] | Other Liabilities [Member]
Financing Receivable, Allowance for Credit Loss	$ 327,000

Note 4 - Loans Receivable - Loa

Note 4 - Loans Receivable - Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Loans receivable	$ 1,114,163		$ 1,234,872
Allowance for credit losses	(8,559)	$ (9,226)	(8,129)	$ (7,386)	$ (7,202)	$ (6,715)
Loans, net	1,105,604		1,226,743
Commercial Portfolio Segment [Member]
Loans receivable	447,687		553,056
Allowance for credit losses	(2,535)	(2,943)	(2,548)	(2,231)	(2,149)	(1,652)
Consumer Portfolio Segment [Member]
Loans receivable	1,351		1,584
Allowance for credit losses	(31)	(33)	(49)	(112)	(42)	(44)
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Loans receivable	19,233		23,133
Allowance for credit losses	(296)	(326)	(281)	(315)	(286)	(331)
Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Loans receivable	528,251		537,394
Allowance for credit losses	(4,547)	(4,679)	(4,017)	(3,566)	(3,632)	(3,377)
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Loans receivable	117,641		119,705
Allowance for credit losses	$ (1,150)	$ (1,245)	$ (1,234)	$ (1,162)	$ (1,093)	$ (1,311)

Note 4 - Loans Receivable - Act

Note 4 - Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Beginning balance	$ 9,226	$ 7,202	$ 8,129	$ 6,715
Provision for credit losses - loans	180	350	85	1,085
Loans charged off	(903)	(191)	(1,649)	(472)
Recoveries	56	25	87	58
Total ending allowance balance	8,559	7,386	8,559	7,386
Accounting Standards Update 2016-13 [Member]
Beginning balance			8,129
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance			1,907
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Beginning balance			10,036
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Beginning balance	326	286	281	331
Provision for credit losses - loans	(62)	98	(128)	53
Loans charged off	0	(71)	0	(76)
Recoveries	32	2	44	7
Total ending allowance balance	296	315	296	315
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance			281
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance			99
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Beginning balance			380
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Beginning balance	4,679	3,632	4,017	3,377
Provision for credit losses - loans	(136)	(72)	(115)	174
Loans charged off	0	0	0	0
Recoveries	4	6	15	15
Total ending allowance balance	4,547	3,566	4,547	3,566
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance			4,017
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance			630
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Beginning balance			4,647
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Beginning balance	1,245	1,093	1,234	1,311
Provision for credit losses - loans	(95)	67	(150)	39
Loans charged off	0	0	0	(192)
Recoveries	0	2	0	4
Total ending allowance balance	1,150	1,162	1,150	1,162
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance			1,234
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance			66
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Beginning balance			1,300
Commercial Portfolio Segment [Member]
Beginning balance	2,943	2,149	2,548	1,652
Provision for credit losses - loans	461	171	444	718
Loans charged off	(889)	(104)	(1,606)	(155)
Recoveries	20	15	27	16
Total ending allowance balance	2,535	2,231	2,535	2,231
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance			2,548
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance			1,122
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Beginning balance			3,670
Consumer Portfolio Segment [Member]
Beginning balance	33	42	49	44
Provision for credit losses - loans	12	86	34	101
Loans charged off	(14)	(16)	(43)	(49)
Recoveries	0	0	1	16
Total ending allowance balance	$ 31	$ 112	31	$ 112
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance			49
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance			(10)
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Beginning balance			$ 39

Note 4 - Loans Receivable - All

Note 4 - Loans Receivable - Allowance for Loan Losses and Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Loan balances, individually evaluated for impairment	$ 25,710		$ 2,712
Loan balances, collectively evaluated for impairment	1,088,453		1,232,160
Loans receivable	1,114,163		1,234,872
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	8,559		8,129
Allowance for loan losses	8,559	$ 9,226	8,129	$ 7,386	$ 7,202	$ 6,715
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loan balances, individually evaluated for impairment	72		752
Loan balances, collectively evaluated for impairment	19,161		22,381
Loans receivable	19,233		23,133
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	296		281
Allowance for loan losses	296	326	281	315	286	331
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loan balances, individually evaluated for impairment	0		473
Loan balances, collectively evaluated for impairment	528,251		536,921
Loans receivable	528,251		537,394
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	4,547		4,017
Allowance for loan losses	4,547	4,679	4,017	3,566	3,632	3,377
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	117,641		119,705
Loans receivable	117,641		119,705
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	1,150		1,234
Allowance for loan losses	1,150	1,245	1,234	1,162	1,093	1,311
Commercial Portfolio Segment [Member]
Loan balances, individually evaluated for impairment	25,638		1,487
Loan balances, collectively evaluated for impairment	422,049		551,569
Loans receivable	447,687		553,056
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	2,535		2,548
Allowance for loan losses	2,535	2,943	2,548	2,231	2,149	1,652
Consumer Portfolio Segment [Member]
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	1,351		1,584
Loans receivable	1,351		1,584
Allowance for loan losses, individually evaluated for impairment	0		0
Allowance for loan losses, collectively evaluated for impairment	31		49
Allowance for loan losses	$ 31	$ 33	$ 49	$ 112	$ 42	$ 44

Note 4 - Loans Receivable - L_2

Note 4 - Loans Receivable - Loans Individually Evaluated for Impairment By Class (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2023	Dec. 31, 2022
Loan balance, with no allowance recorded	$ 27,292	$ 27,292	$ 2,831
Recorded investment, with no allowance recorded	25,710	25,710	2,712
Partial charge-off, with no allowance recorded	1,538	1,538	49
Average investment in impaired loans, with no allowance recorded	24,617	14,131	2,178
Interest income recognized, with no allowance recorded	6	33	103
Commercial Portfolio Segment [Member]
Loan balance, with no allowance recorded			1,606
Recorded investment, with no allowance recorded			1,487
Partial charge-off, with no allowance recorded			49
Average investment in impaired loans, with no allowance recorded			445
Interest income recognized, with no allowance recorded			47
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Loan balance, with no allowance recorded	70	70	752
Recorded investment, with no allowance recorded	72	72	752
Partial charge-off, with no allowance recorded	0	0	0
Average investment in impaired loans, with no allowance recorded	73	78	1,143
Interest income recognized, with no allowance recorded	1	3	29
Commercial leases [Member] | Real Estate Portfolio [Member]
Loan balance, with no allowance recorded	27,222	27,222
Recorded investment, with no allowance recorded	25,638	25,638
Partial charge-off, with no allowance recorded	1,538	1,538
Average investment in impaired loans, with no allowance recorded	24,544	14,053
Interest income recognized, with no allowance recorded	$ 5	$ 30
Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Loan balance, with no allowance recorded			473
Recorded investment, with no allowance recorded			473
Partial charge-off, with no allowance recorded			0
Average investment in impaired loans, with no allowance recorded			590
Interest income recognized, with no allowance recorded			$ 27

Note 4 - Loans Receivable - Rec

Note 4 - Loans Receivable - Recorded Investment in Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Recorded investment	$ 23,508	$ 1,407
Loans past due over 90 days, still accruing	6,245	238
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Recorded investment	40	92
Loans past due over 90 days, still accruing	0	0
Commercial Portfolio Segment [Member]
Recorded investment	23,468	1,310
Loans past due over 90 days, still accruing	6,245	238
Consumer Portfolio Segment [Member]
Recorded investment	$ 0	5
Loans past due over 90 days, still accruing		$ 0

Note 4 - Loans Receivable - Agi

Note 4 - Loans Receivable - Aging of the Recorded Investment of Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Loans receivable	$ 1,114,163	$ 1,234,872
Loans receivable, nonaccrual	23,508	1,407
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	19,233	23,133
Loans receivable, nonaccrual	40	92
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	528,251	537,394
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	485,949	494,988
Loans receivable, nonaccrual	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	42,302	42,406
Loans receivable, nonaccrual	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	21,423	22,617
Loans receivable, nonaccrual	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	96,218	97,088
Loans receivable, nonaccrual	0	0
Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	231,689	283,453
Loans receivable, nonaccrual	4,512	1,310
Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	162,088	211,583
Loans receivable, nonaccrual	18,889	0
Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	53,910	58,020
Loans receivable, nonaccrual	67	0
Consumer Portfolio Segment [Member]
Loans receivable	1,351	1,584
Loans receivable, nonaccrual	0	5
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	2,192	4,912
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	0	411
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	0	31
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	187	2,424
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	2,001	2,034
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	4	12
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	15,869	5,546
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	2	19
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	2,091	0
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	31	336
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	13,529	5,106
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	213	81
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	3	4
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	6,245	238
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	2,144	111
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	4,101	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	0	127
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, Past Due [Member]
Loans receivable	24,306	10,696
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	2	430
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	2,091	31
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	0	0
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	0	0
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	0	0
Financial Asset, Past Due [Member] | Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	2,362	2,871
Financial Asset, Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	19,631	7,140
Financial Asset, Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	213	208
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	7	16
Financial Asset, Not Past Due [Member]
Loans receivable	1,066,349	1,222,769
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	19,191	22,611
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	483,858	494,957
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	42,302	42,406
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	21,423	22,617
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	96,218	97,088
Financial Asset, Not Past Due [Member] | Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	224,815	279,272
Financial Asset, Not Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	123,568	204,443
Financial Asset, Not Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	53,630	57,812
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	$ 1,344	$ 1,563

Note 4 - Loans Receivable - Ris

Note 4 - Loans Receivable - Risk Categories of Loans By Class of Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Loans receivable	$ 1,114,163	$ 1,234,872
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	19,233	23,133
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	154
Financing Receivable, four years before	0
Financing Receivable, prior	14,991
Financing Receivable, revolving	4,088
Current period recoveries, current year	0
Current period recoveries, one year before	0
Current period recoveries, two years before	0
Current period recoveries, three years before	0
Current period recoveries, four years before	0
Current period recoveries, prior	44
Current period recoveries, revolving	0
Current period recoveries, total	44
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Recovery (Writeoff), Net	44
Financing Receivable, Excluding Accrued Interest, Revolving, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery (Writeoff), Net	44
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	528,251	537,394
Financing Receivable, current year	38,554
Financing Receivable, one year before	213,939
Financing Receivable, two years before	113,728
Financing Receivable, three years before	59,423
Financing Receivable, four years before	22,304
Financing Receivable, prior	72,077
Financing Receivable, revolving	8,226
Current period recoveries, current year	0
Current period recoveries, one year before	0
Current period recoveries, two years before	0
Current period recoveries, three years before	0
Current period recoveries, four years before	0
Current period recoveries, prior	15
Current period recoveries, revolving	0
Current period recoveries, total	15
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Recovery (Writeoff), Net	15
Financing Receivable, Excluding Accrued Interest, Revolving, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery (Writeoff), Net	15
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	117,641	119,705
Financing Receivable, current year	11,692
Financing Receivable, one year before	53,620
Financing Receivable, two years before	22,169
Financing Receivable, three years before	7,900
Financing Receivable, four years before	9,773
Financing Receivable, prior	12,383
Financing Receivable, revolving	104
Commercial Portfolio Segment [Member]
Loans receivable	447,687	553,056
Financing Receivable, current year	45,112
Financing Receivable, one year before	182,672
Financing Receivable, two years before	78,750
Financing Receivable, three years before	48,106
Financing Receivable, four years before	4,618
Financing Receivable, prior	2,319
Financing Receivable, revolving	86,110
Current period recoveries, current year	0
Current period recoveries, one year before	0
Current period recoveries, two years before	27
Current period recoveries, three years before	0
Current period recoveries, four years before	0
Current period recoveries, prior	0
Current period recoveries, revolving	0
Current period recoveries, total	27
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Recovery (Writeoff), Net	(20)
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Recovery (Writeoff), Net	(1,586)
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Recovery (Writeoff), Net	27
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Revolving, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery (Writeoff), Net	(1,579)
Current period gross charge-offs	(20)
Current period gross charge-offs	(1,586)
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	(1,606)
Consumer Portfolio Segment [Member]
Loans receivable	1,351	1,584
Financing Receivable, current year	167
Financing Receivable, one year before	11
Financing Receivable, two years before	146
Financing Receivable, three years before	159
Financing Receivable, four years before	278
Financing Receivable, prior	0
Financing Receivable, revolving	590
Current period recoveries, current year	0
Current period recoveries, one year before	0
Current period recoveries, two years before	0
Current period recoveries, three years before	0
Current period recoveries, four years before	0
Current period recoveries, prior	0
Current period recoveries, revolving	1
Current period recoveries, total	1
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Recovery (Writeoff), Net	0
Financing Receivable, Excluding Accrued Interest, Revolving, Recovery (Writeoff), Net	(42)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery (Writeoff), Net	(42)
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	0
Current period gross charge-offs	(43)
Current period gross charge-offs	(43)
Pass [Member]
Loans receivable	1,048,572	1,198,984
Pass [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	18,870	22,648
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	154
Financing Receivable, four years before	0
Financing Receivable, prior	14,799
Financing Receivable, revolving	3,917
Pass [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	523,406	534,253
Financing Receivable, current year	38,554
Financing Receivable, one year before	211,954
Financing Receivable, two years before	113,728
Financing Receivable, three years before	59,159
Financing Receivable, four years before	22,304
Financing Receivable, prior	69,481
Financing Receivable, revolving	8,226
Pass [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	113,354	116,635
Financing Receivable, current year	11,692
Financing Receivable, one year before	51,053
Financing Receivable, two years before	20,622
Financing Receivable, three years before	7,900
Financing Receivable, four years before	9,773
Financing Receivable, prior	12,210
Financing Receivable, revolving	104
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	391,602	523,889
Financing Receivable, current year	41,000
Financing Receivable, one year before	150,387
Financing Receivable, two years before	77,204
Financing Receivable, three years before	46,837
Financing Receivable, four years before	4,618
Financing Receivable, prior	2,319
Financing Receivable, revolving	69,237
Pass [Member] | Consumer Portfolio Segment [Member]
Loans receivable	1,340	1,559
Financing Receivable, current year	167
Financing Receivable, one year before	11
Financing Receivable, two years before	146
Financing Receivable, three years before	159
Financing Receivable, four years before	278
Financing Receivable, prior	0
Financing Receivable, revolving	579
Watch [Member]
Loans receivable	34,775	28,584
Watch [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	41	62
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	41
Financing Receivable, revolving	0
Watch [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	3,510	3,141
Financing Receivable, current year	0
Financing Receivable, one year before	650
Financing Receivable, two years before	0
Financing Receivable, three years before	264
Financing Receivable, four years before	0
Financing Receivable, prior	2,596
Financing Receivable, revolving	0
Watch [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	4,287	3,070
Financing Receivable, current year	0
Financing Receivable, one year before	2,567
Financing Receivable, two years before	1,547
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	173
Financing Receivable, revolving	0
Watch [Member] | Commercial Portfolio Segment [Member]
Loans receivable	26,932	22,299
Financing Receivable, current year	4,101
Financing Receivable, one year before	8,114
Financing Receivable, two years before	1,006
Financing Receivable, three years before	353
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	13,358
Watch [Member] | Consumer Portfolio Segment [Member]
Loans receivable	5	12
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	5
Special Mention [Member]
Loans receivable	1,338	1,525
Special Mention [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	0	4
Special Mention [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	1,335	0
Special Mention [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	0	0
Special Mention [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	1,517
Special Mention [Member] | Commercial Portfolio Segment [Member] | Multi-family Mortgage [Member]
Loans receivable	1,335
Financing Receivable, current year	0
Financing Receivable, one year before	1,335
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Special Mention [Member] | Consumer Portfolio Segment [Member]
Loans receivable	3	4
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	3
Substandard [Member]
Loans receivable	5,970	4,372
Substandard [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	282	327
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	134
Financing Receivable, revolving	148
Substandard [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	0	0
Substandard [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	0	0
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans receivable	5,685	4,041
Financing Receivable, current year	0
Financing Receivable, one year before	2,143
Financing Receivable, two years before	0
Financing Receivable, three years before	27
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	3,515
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans receivable	3	4
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	3
Substandard Nonaccrual [Member]
Loans receivable	23,508	1,407
Substandard Nonaccrual [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	40	92
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	17
Financing Receivable, revolving	23
Substandard Nonaccrual [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	0	0
Substandard Nonaccrual [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	0	0
Substandard Nonaccrual [Member] | Commercial Portfolio Segment [Member]
Loans receivable	23,468	1,310
Financing Receivable, current year	11
Financing Receivable, one year before	22,028
Financing Receivable, two years before	540
Financing Receivable, three years before	889
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Substandard Nonaccrual [Member] | Consumer Portfolio Segment [Member]
Loans receivable	$ 0	$ 5

Note 5 - Foreclosed Assets (Det

Note 5 - Foreclosed Assets (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Mortgage Loans in Process of Foreclosure, Amount	$ 0	$ 0
Other Real Estate, Foreclosed Assets, and Repossessed Assets, Total	$ 902	476
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 ($)	Sep. 30, 2023	Dec. 31, 2022
Other real estate owned, gross	$ 472,000	$ 472,000
Other real estate owned, valuation allowance	(4,000)	0
Other real estate owned	468,000	472,000
Other foreclosed assets, gross	478,000	4,000
Other foreclosed assets, valuation allowance	(44,000)	0
Other foreclosed assets	434,000	4,000
Other real estate owned and other foreclosed assets, gross	950,000	476,000
Other real estate owned and other foreclosed assets, valuation allowance	(48,000)	0
Total	$ 902,000	$ 476,000

Note 5 - Foreclosed Assets- Rol

Note 5 - Foreclosed Assets- Roll Forward of Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Beginning balance	$ 950	$ 842	$ 476	$ 725
New foreclosed assets	0	0	921	319
Valuation adjustments	(48)	(31)	(48)	(31)
Valuation reductions from sales	0	157	0	184
Direct write-downs	0	0	(70)	0
Sales	0	(444)	(377)	(673)
Ending balance	$ 902	$ 524	$ 902	$ 524

Note 5 - Foreclosed Assets - Ac

Note 5 - Foreclosed Assets - Activity in the Valuation Allowance (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Beginning balance	$ 0	$ 200	$ 0	$ 227
Additions charged to expense	48	31	48	31
Reductions from sales	0	(157)	0	(184)
Ending balance	$ 48	$ 74	$ 48	$ 74

Note 6 - Borrowings and Subor_3

Note 6 - Borrowings and Subordinated Notes (Details Textual) - USD ($)		12 Months Ended
	Apr. 14, 2021	Dec. 31, 2020	Sep. 30, 2023	Dec. 31, 2022
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		0.50%
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		$ 333,000	$ 366,000
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	Sep. 30, 2023	Dec. 31, 2022
Subordinated notes, net of unamortized issuance costs	$ 19,667	$ 19,634
Line of credit, due March 31, 2022, interest rate	8%	6.75%
Line of credit, due March 29, 2024	$ 0	$ 0
Subordinated Debt [Member]
Subordinated notes, due May 15, 2031	3.75%	3.75%
Subordinated notes, net of unamortized issuance costs	$ 19,667	$ 19,634
Fix Rate Advance Due September 16, 2024 [Member]
Fixed-rate advance from FHLB, interest rate	4.55%	0%
Fixed-rate advance from FHLB	$ 5,000	$ 0
Fix Rate Advance Due March 17, 2025 [Member]
Fixed-rate advance from FHLB, interest rate	4.27%	0%
Fixed-rate advance from FHLB	$ 5,000	$ 0
Fix Rate Advance Due September 17, 2025 [Member]
Fixed-rate advance from FHLB, interest rate	4.20%	0%
Fixed-rate advance from FHLB	$ 5,000	$ 0
Fix Rate Advance Due March 17, 2026 [Member]
Fixed-rate advance from FHLB, interest rate	4.15%	0%
Fixed-rate advance from FHLB	$ 5,000	$ 0
Fix Rate Advance Due September 17, 2026 [Member]
Fixed-rate advance from FHLB, interest rate	4.06%	0%
Fixed-rate advance from FHLB	$ 5,000	$ 0

Note 7 - Fair Value (Details Te

Note 7 - Fair Value (Details Textual) - USD ($)	1 Months Ended	3 Months Ended					9 Months Ended
	Jan. 31, 2023	Sep. 30, 2023		Jun. 30, 2023	Sep. 30, 2022		Sep. 30, 2023		Sep. 30, 2022		Dec. 31, 2022
Other Real Estate Owned, Gross		$ 472,000					$ 472,000				$ 472,000
Other Real Estate with Valuation Adjustments		4,000					4,000
Other Real Estate		468,000					468,000				$ 472,000
Foreclosed Assets, Gross		431,000					431,000
Other Foreclosed Assets, Valuation Allowance		44,000					44,000
Foreclosed Assets, Net of Valuation Reserve		387,000					387,000
Foreclosed Assets Valuation Adjustments, With Valuation Reserve		48,000			$ 31,000		48,000		$ 31,000
Valuation Reserve on Premises Held-for-sale	$ 553,000	$ 0	[1]	$ 32,000	$ 0	[1]	$ 585,000	[1]	$ 0	[1]
[1]Not within the scope of ASC 606

Note 7 - Fair Value - Financial

Note 7 - Fair Value - Financial Assets At Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Securities	$ 158,425	$ 210,338
Certificates of Deposit [Member]
Securities	2,725	2,233
US States and Political Subdivisions Debt Securities [Member]
Securities	229	225
US Treasury and Government [Member]
Securities	123,095
US Government-sponsored Enterprises Debt Securities [Member]
Securities	27,863	39,699
Residential Mortgage-Backed Securities [Member]
Securities	3,480	3,881
Collateralized Mortgage-Backed Securities [Member]
Securities	1,033	1,197
US Treasury Securities [Member]
Securities	123,095	163,103
Fair Value, Inputs, Level 1 [Member]
Securities	123,095	163,103
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	0
Fair Value, Inputs, Level 1 [Member] | US Treasury and Government [Member]
Securities	123,095
Fair Value, Inputs, Level 1 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities	0	0
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		163,103
Fair Value, Inputs, Level 2 [Member]
Securities	35,330	47,235
Fair Value, Inputs, Level 2 [Member] | Certificates of Deposit [Member]
Securities	2,725	2,233
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities	229	225
Fair Value, Inputs, Level 2 [Member] | US Treasury and Government [Member]
Securities	0
Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities	27,863	39,699
Fair Value, Inputs, Level 2 [Member] | Residential Mortgage-Backed Securities [Member]
Securities	3,480	3,881
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities	1,033	1,197
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	0
Fair Value, Inputs, Level 3 [Member] | US Treasury and Government [Member]
Securities	0
Fair Value, Inputs, Level 3 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities	0	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) - USD ($)	Sep. 30, 2023	Dec. 31, 2022
Other real estate owned, gross	$ 472,000	$ 472,000
Fair Value, Nonrecurring [Member] | One-to-Four Family Residential Real Estate [Member]
Other real estate owned, gross	468,000
Other foreclosed assets	387,000
Fair Value, Nonrecurring [Member] | One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 1 [Member]
Other real estate owned, gross	0
Other foreclosed assets	0
Fair Value, Nonrecurring [Member] | One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 2 [Member]
Other real estate owned, gross	0
Other foreclosed assets	0
Fair Value, Nonrecurring [Member] | One-to-Four Family Residential Real Estate [Member] | Fair Value, Inputs, Level 3 [Member]
Other real estate owned, gross	468,000
Other foreclosed assets	$ 387,000

Note 7 - Fair Value - Quantitat

Note 7 - Fair Value - Quantitative Information for Financial Instruments on Non-recurring Basis (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Other real estate owned	$ 468
Other real estate owned	10
One-to-Four Family Residential Real Estate [Member] | Fair Value, Nonrecurring [Member]
Other foreclosed assets	$ 387
One-to-Four Family Residential Real Estate [Member] | Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Other foreclosed assets	$ 387
One-to-Four Family Residential Real Estate [Member] | Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member]
Other foreclosed assets	6.2

Note 7 - Fair Value - Carrying

Note 7 - Fair Value - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Securities	$ 158,425	$ 210,338
Fair Value, Inputs, Level 1 [Member]
Securities	123,095	163,103
Fair Value, Inputs, Level 2 [Member]
Securities	35,330	47,235
Fair Value, Inputs, Level 3 [Member]
Securities	0	0
Reported Value Measurement [Member]
Cash and cash equivalents	171,561	66,771
Securities	158,425	210,338
Loans receivable, net of allowance for credit losses	1,105,604	1,226,743
FHLB and FRB stock	7,490	7,490
Accrued interest receivable	8,343	7,338
Certificates of deposit	221,164	186,524
Borrowings	25,000
Subordinated notes	19,667	19,634
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	171,561	66,771
Securities	158,425	210,338
Loans receivable, net of allowance for credit losses	1,049,622	1,198,616
Accrued interest receivable	8,343	7,338
Certificates of deposit	217,933	182,398
Borrowings	24,621
Subordinated notes	17,171	17,800
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	169,321	65,967
Securities	123,095	163,103
Loans receivable, net of allowance for credit losses	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	437	514
Certificates of deposit	0	0
Borrowings	0
Subordinated notes	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	2,240	804
Securities	35,330	47,235
Loans receivable, net of allowance for credit losses	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	436	477
Certificates of deposit	217,933	182,398
Borrowings	24,621
Subordinated notes	17,171	17,800
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 credit losses	1,049,622	1,198,616
FHLB and FRB stock	0	0
Accrued interest receivable	7,470	6,347
Certificates of deposit	0	0
Borrowings	0
Subordinated notes	$ 0	$ 0

Note 8 - Revenue From Contrac_3

Note 8 - Revenue From Contracts With Customers (Details Textual) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contract with Customer, Excluding Assessed Tax	$ 836,000	$ 829,000	$ 2,482,000	$ 2,436,000
Credit and Debit Card [Member]
Revenue from Contract with Customer, Excluding Assessed Tax	$ 332,000	$ 351,000	$ 1,000,000	$ 1,100,000

Note 8 - Revenue From Contrac_4

Note 8 - Revenue From Contracts With Customers - Noninterest Income (Details) - USD ($)		1 Months Ended	3 Months Ended					9 Months Ended
		Jan. 31, 2023	Sep. 30, 2023		Jun. 30, 2023	Sep. 30, 2022		Sep. 30, 2023		Sep. 30, 2022
Revenue from contract with customer			$ 836,000			$ 829,000		$ 2,482,000		$ 2,436,000
Loan servicing fees	[1]		98,000			59,000		368,000		350,000
Losses on sales of securities (1)	[1]		0			0		(454,000)		0
Gain on sale of premises and equipment			0			0		9,000		0
Valuation adjustment on bank premises held-for-sale (1)		$ (553,000)	0	[1]	$ (32,000)	0	[1]	(585,000)	[1]	0	[1]
(Loss) earnings on bank-owned life insurance (1)	[1]		(88,000)			(14,000)		(259,000)		25,000
Bank-owned life insurance death benefit (1)			0			0		0		446,000
Other	[1]		104,000			126,000		298,000		426,000
Total noninterest income			1,240,000			1,287,000		2,792,000		4,570,000
Deposit Account [Member]
Revenue from contract with customer			836,000			829,000		2,482,000		2,436,000
Bank Servicing [Member]
Revenue from contract with customer			$ 290,000			$ 287,000		$ 933,000		$ 887,000
[1]Not within the scope of ASC 606