BankFinancial (BFIN) 10-Q 31 Jul 24 2024 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2024	Jul. 28, 2024
Document Information [Line Items]
Entity Central Index Key	0001303942
Entity Registrant Name	BankFinancial CORP
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
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		12,460,678

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from other financial institutions	$ 19,505	$ 19,781
Interest-bearing deposits in other financial institutions	132,273	158,703
Cash and cash equivalents	151,778	178,484
Interest-bearing time deposits in other financial institutions	34,913	29,513
Securities, at fair value	222,906	153,203
Loans receivable, net of allowance for credit losses: June 30, 2024, $8,142 and December 31, 2023, $8,345	987,745	1,050,761
Foreclosed assets, net	1,898	2,777
Stock in Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB"), at cost	7,490	7,490
Premises held-for-sale	0	523
Premises and equipment, net	22,765	22,950
Accrued interest receivable	9,343	7,542
Bank-owned life insurance	18,291	18,469
Deferred taxes	4,019	4,512
Other assets	16,542	11,160
Total assets	1,477,690	1,487,384
Liabilities
Noninterest-bearing	262,585	260,851
Interest-bearing	989,688	1,000,772
Total deposits	1,252,273	1,261,623
Borrowings	25,000	25,000
Subordinated notes, net of unamortized issuance costs	18,715	19,678
Advance payments by borrowers for taxes and insurance	10,329	9,003
Accrued interest payable and other liabilities	13,895	16,697
Total liabilities	1,320,212	1,332,001
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; 12,460,678 shares issued at June 30, 2024 and 12,475,881 shares issued at December 31, 2023	125	125
Additional paid-in capital	83,301	83,457
Retained earnings	75,777	74,426
Accumulated other comprehensive loss	(1,725)	(2,625)
Total stockholders’ equity	157,478	155,383
Total liabilities and stockholders’ equity	$ 1,477,690	$ 1,487,384

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Allowance for loan losses	$ 8,142	$ 8,345
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)	12,460,678	12,475,881

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($)		3 Months Ended		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income
Loans, including fees		$ 13,349,000	$ 14,345,000	$ 26,702,000	$ 28,738,000
us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract
Taxable		50,000	50,000	101,000	99,000
Tax exempt		2,234,000	766,000	3,452,000	1,806,000
Other		2,022,000	1,017,000	4,745,000	1,695,000
Total interest income		17,655,000	16,178,000	35,000,000	32,338,000
Interest expense
Deposits		4,624,000	2,761,000	8,960,000	5,061,000
Borrowings and Subordinated notes		455,000	474,000	937,000	834,000
Total interest expense		5,079,000	3,235,000	9,897,000	5,895,000
Net interest income		12,576,000	12,943,000	25,103,000	26,443,000
Recovery of credit losses - loans		(98,000)	(180,000)	(37,000)	(95,000)
Recovery of credit losses - unfunded commitments		(24,000)	(8,000)	(73,000)	(45,000)
Recovery of credit losses		(122,000)	(188,000)	(110,000)	(140,000)
Net interest income after recovery of credit losses		12,698,000	13,131,000	25,213,000	26,583,000
Noninterest income
Deposit service charges and fees		834,000	830,000	1,643,000	1,646,000
Loan servicing fees	[1]	97,000	141,000	253,000	270,000
Trust and insurance commissions and annuities income		349,000	276,000	799,000	643,000
Losses on sales of securities	[1]	0	0	0	(454,000)
(Loss) gain on sale of premises and equipment		(9,000)	13,000	(84,000)	9,000
Valuation adjustment on bank premises held-for-sale	[1]	0	(32,000)	0	(585,000)
Loss on bank-owned life insurance		(91,000)	(87,000)	(178,000)	(171,000)
Gain on repurchase of Subordinated notes	[1]	0	0	107,000	0
Other	[1]	96,000	98,000	197,000	194,000
Total noninterest income		1,276,000	1,239,000	2,737,000	1,552,000
Noninterest expense
Compensation and benefits		5,943,000	5,629,000	11,995,000	11,184,000
Office occupancy and equipment		1,861,000	2,031,000	4,102,000	4,069,000
Advertising and public relations		112,000	269,000	202,000	459,000
Information technology		1,049,000	965,000	2,051,000	1,814,000
Professional fees		382,000	348,000	836,000	665,000
Supplies, telephone, and postage		292,000	295,000	578,000	654,000
FDIC insurance premiums		144,000	282,000	305,000	436,000
Other		1,352,000	1,401,000	2,832,000	2,231,000
Total noninterest expense		11,135,000	11,220,000	22,901,000	21,512,000
Income before income taxes		2,839,000	3,150,000	5,049,000	6,623,000
Income tax expense		705,000	838,000	1,205,000	1,678,000
Net income		$ 2,134,000	$ 2,312,000	$ 3,844,000	$ 4,945,000
Basic and diluted earnings per common share (in dollars per share)		$ 0.17	$ 0.18	$ 0.31	$ 0.39
Basic and diluted weighted average common shares outstanding (in shares)		12,460,678	12,667,129	12,464,365	12,694,334
[1]Not within the scope of ASC 606

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income	$ 2,134	$ 2,312	$ 3,844	$ 4,945
Unrealized holding gain (loss) on securities arising during the period	756	(480)	1,216	1,161
Tax effect	(197)	125	(316)	(302)
Unrealized holding gain (loss) on securities, net of tax	559	(355)	900	859
Reclassification adjustment for loss included in net income	0	0	0	454
Tax effect, included in income tax expense	0	0	0	(119)
Reclassification adjustment for loss included in net income, net of tax	0	0	0	335
Other comprehensive gain (loss), net of tax	559	(355)	900	1,194
Comprehensive income	$ 2,693	$ 1,957	$ 4,744	$ 6,139

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 (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	4,945	0	4,945
Other comprehensive loss, net of tax effect						0	0	0	1,194	1,194
Repurchase and retirement of common stock						(1)	(1,245)	0	0	(1,246)
Cash dividends declared on common stock						0	0	(2,542)	0	(2,542)
Balance at Jun. 30, 2023						126	84,603	72,492	(4,918)	152,303
Balance at Mar. 31, 2023						127	85,346	71,449	(4,563)	152,359
Net income						0	0	2,312	0	2,312
Other comprehensive loss, net of tax effect						0	0	0	(355)	(355)
Repurchase and retirement of common stock						(1)	(743)	0	0	(744)
Cash dividends declared on common stock						0	0	(1,269)	0	(1,269)
Balance at Jun. 30, 2023						126	84,603	72,492	(4,918)	152,303
Balance at Dec. 31, 2023						125	83,457	74,426	(2,625)	155,383
Net income						0	0	3,844	0	3,844
Other comprehensive loss, net of tax effect						0	0	0	900	900
Repurchase and retirement of common stock						0	(156)	0	0	(156)
Cash dividends declared on common stock						0	0	(2,493)	0	(2,493)
Balance at Jun. 30, 2024						125	83,301	75,777	(1,725)	157,478
Balance at Mar. 31, 2024						125	83,301	74,889	(2,284)	156,031
Net income						0	0	2,134	0	2,134
Other comprehensive loss, net of tax effect						0	0	0	559	559
Cash dividends declared on common stock						0	0	(1,246)	0	(1,246)
Balance at Jun. 30, 2024						$ 125	$ 83,301	$ 75,777	$ (1,725)	$ 157,478

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Repurchase and retirement of common stock (in shares)		93,515	15,203	142,119
Cash dividends declared on common stock (in dollars per share)	$ 0.1	$ 0.1	$ 0.2	$ 0.2

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023
Cash flows from operating activities
Net income		$ 3,844,000	$ 4,945,000
Adjustments to reconcile net income to net cash from operating activities
Recovery of credit losses - loans		(37,000)	(95,000)
Recovery of credit losses - unfunded commitments		(73,000)	(45,000)
Depreciation and amortization		810,000	644,000
Net change in net deferred loan origination costs		206,000	(110,000)
Losses on sales of securities	[1]	0	454,000
Valuation adjustment on bank premises held-for-sale	[1]	0	585,000
Loss (gain) on disposal of premises and equipment		84,000	(9,000)
Loss on sale of foreclosed assets		227,000	15,000
Foreclosed assets write down		0	70,000
Loss on bank-owned life insurance		178,000	171,000
Gain on redemption of Subordinated notes	[1]	(107,000)	0
Net change in:
Accrued interest receivable		(1,801,000)	(1,161,000)
Other assets		279,000	847,000
Accrued interest payable and other liabilities		(3,308,000)	(5,986,000)
Net cash from operating activities		302,000	325,000
Cash flows (used in) from investing activities
Net change in interest-bearing time deposits in other financial institutions		(5,400,000)	(744,000)
Proceeds from maturities		61,580,000	0
Proceeds from principal repayments		260,000	378,000
Proceeds from sale of securities		0	42,631,000
Purchases of securities		(134,985,000)	0
Net change in loans receivable		62,771,000	53,322,000
Proceeds from sale of foreclosed assets		701,000	362,000
Proceeds from sale of premises and equipment		537,000	690,000
Purchase of premises and equipment, net		(893,000)	(830,000)
Net cash (used in) from investing activities		(15,429,000)	95,809,000
Cash flows used in financing activities
Deposits		(9,350,000)	(71,214,000)
Advance payments by borrowers for taxes and insurance		1,326,000	2,428,000
Proceeds from Federal Home Loan Bank advances		0	35,000,000
Repayments of Federal Home Loan Bank advances		0	(10,000,000)
Proceeds from repurchase of Subordinated notes		(906,000)	0
Repurchase and retirement of common stock		(156,000)	(1,246,000)
Cash dividends paid on common stock		(2,493,000)	(2,542,000)
Net cash used in financing activities		(11,579,000)	(47,574,000)
Net change in cash and cash equivalents		(26,706,000)	48,560,000
Beginning cash and cash equivalents		178,484,000	66,771,000
Ending cash and cash equivalents		151,778,000	115,331,000
Supplemental disclosures of cash flow information:
Interest paid		9,924,000	5,754,000
Income taxes paid		1,202,000	2,260,000
Income taxes refunded		0	20,000
Assets transferred to premises held-for-sale		0	1,799,000
Loans transferred to foreclosed assets		49,000	921,000
Due from broker		9,375,000	0
Recording of right of use asset in exchange for lease obligations in other assets and other liabilities		$ 592,000	$ 0
[1]Not within the scope of ASC 606

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	NOTE 1 Basis of Presentation three six June 30, 2024 not may December 31, 2024 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 June 30, 2024 December 31, 2023 June 30, 2024 December 31, 2023 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. Interest-Bearing Time Deposits in other Financial Institutions: i 90 Reclassifications no These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10 December 31, 2023 Newly Issued Not December 2023, 2023 09, 740 Improvements to Income Tax Disclosures December 15, 2024, December 15, 2025. not

Note 2 - Earnings Per Share

Note 2 - Earnings Per Share	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 2 Amounts reported in earnings per share reflect earnings available to common stockholders for the period divided by the weighted average number of shares of common stock outstanding during the period. Three Months Ended Six Months Ended June 30, June 30, 2024 2023 2024 2023 Net income available to common stockholders $ 2,134 $ 2,312 $ 3,844 $ 4,945 Basic and diluted weighted average common shares outstanding 12,460,678 12,667,129 12,464,365 12,694,334 Basic and diluted earnings per common share $ 0.17 $ 0.18 $ 0.31 $ 0.39

Note 3 - Securities

Note 3 - Securities	6 Months Ended
	Jun. 30, 2024
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 loss is as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities June 30, 2024 Municipal securities $ 929 $ — $ (4 ) $ 925 U.S. Treasury Notes 77,128 — (2,069 ) 75,059 U.S. government-sponsored agencies 142,987 3 (174 ) 142,816 Mortgage-backed securities - residential 3,255 27 (98 ) 3,184 Collateralized mortgage obligations - residential 938 — (16 ) 922 $ 225,237 $ 30 $ (2,361 ) $ 222,906 December 31, 2023 Municipal securities $ 930 $ 12 $ (8 ) $ 934 U.S. Treasury Notes 115,920 — (3,412 ) 112,508 U.S. government-sponsored agencies 35,446 7 (62 ) 35,391 Mortgage-backed securities - residential 3,431 27 (91 ) 3,367 Collateralized mortgage obligations - residential 1,023 — (20 ) 1,003 $ 156,750 $ 46 $ (3,593 ) $ 153,203 Mortgage-backed securities and collateralized mortgage obligations reflected in the preceding table were issued by U.S. government-sponsored entities and agencies, Freddie Mac, Fannie Mae and Ginnie Mae, and are obligations which the government has affirmed its commitment to support. The amortized cost and fair values of securities available-for-sale by contractual maturity are shown below. Securities not may may June 30, 2024 Amortized Cost Fair Value Due in one year or less $ 104,022 $ 102,671 Due after one year through five years 117,022 116,129 221,044 218,800 Mortgage-backed securities - residential 3,255 3,184 Collateralized mortgage obligations - residential 938 922 $ 225,237 $ 222,906 Securities available-for-sale with unrealized losses not Less than 12 Months 12 Months or More Total Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss June 30, 2024 Municipal securities 1 $ 603 $ (1 ) 1 $ 221 $ (3 ) 2 $ 824 $ (4 ) U.S. Treasury Notes — — — 115 75,059 (2,069 ) 115 75,059 (2,069 ) U.S. government-sponsored agencies 15 124,837 (159 ) 2 7,985 (15 ) 17 132,822 (174 ) Mortgage-backed securities - residential — — — 12 2,236 (98 ) 12 2,236 (98 ) Collateralized mortgage obligations - residential — — — 5 922 (16 ) 5 922 (16 ) 16 $ 125,440 $ (160 ) 135 $ 86,423 $ (2,201 ) 151 $ 211,863 $ (2,361 ) December 31, 2023 Municipal securities — $ — $ — 1 $ 217 $ (8 ) 1 $ 217 $ (8 ) U.S. Treasury Notes — — — 170 112,508 (3,412 ) 170 112,508 (3,412 ) U.S. government-sponsored agencies 2 8,987 (13 ) 4 17,951 (49 ) 6 26,938 (62 ) Mortgage-backed securities - residential — — — 17 2,627 (91 ) 17 2,627 (91 ) Collateralized mortgage obligations - residential — — — 6 1,003 (20 ) 6 1,003 (20 ) 2 $ 8,987 $ (13 ) 198 $ 134,306 $ (3,580 ) 200 $ 143,293 $ (3,593 ) U.S. Treasury Notes, U.S. government-sponsored agencies and the 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 June 30, 2024 not uality, not We reviewed the available-for-sale securities in an unrealized loss position within the guidelines of Accounting Standards Codification (“ASC”) 326 no The proceeds from sales of securities and the associated losses were as follows: Three Months Ended Six Months Ended June 30, June 30, 2024 2023 2024 2023 Proceeds $ — $ — $ — $ 42,631 Gross gains — — — — Gross losses — — — (454 )

Note 4 - Loans Receivable

Note 4 - Loans Receivable	6 Months Ended
	Jun. 30, 2024
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: June 30, 2024 December 31, 2023 One-to-four family residential real estate $ 17,707 $ 18,945 Multi-family residential real estate 527,542 527,460 Nonresidential real estate 109,635 118,016 Commercial loans and leases 339,216 393,321 Consumer 1,787 1,364 995,887 1,059,106 Allowance for credit losses (8,142 ) (8,345 ) Loans, net $ 987,745 $ 1,050,761 Net deferred loan origination costs included in the table above were $1.5 million and $1.7 million as of June 30, 2024 December 31, 2023 Allowance for Credit Losses - Loans The following table represents the activity in the Allowance for Credit Losses (“ACL”) by class of loans: One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total For the three months ended June 30, 2024 Beginning balance $ 331 $ 4,819 $ 1,444 $ 1,621 $ 34 $ 8,249 Provision for (recovery of) credit losses (9 ) 20 (47 ) (94 ) 32 (98 ) Loans charged off — — — (10 ) (12 ) (22 ) Recoveries 2 4 — 7 — 13 $ 324 $ 4,843 $ 1,397 $ 1,524 $ 54 $ 8,142 June 30, 2023 Beginning balance $ 354 $ 4,714 $ 1,347 $ 3,576 $ 41 $ 10,032 Recovery of credit losses (35 ) (41 ) (102 ) (1 ) (1 ) (180 ) Loans charged off — — — (638 ) (7 ) (645 ) Recoveries 7 6 — 6 — 19 $ 326 $ 4,679 $ 1,245 $ 2,943 $ 33 $ 9,226 One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total For the six months ended June 30, 2024 Beginning balance $ 295 $ 4,549 $ 1,166 $ 2,303 $ 32 $ 8,345 Provision for (recovery of) credit losses 24 284 231 (623 ) 47 (37 ) Loans charged off — — — (168 ) (25 ) (193 ) Recoveries 5 10 — 12 — 27 $ 324 $ 4,843 $ 1,397 $ 1,524 $ 54 $ 8,142 June 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 (66 ) 21 (55 ) (17 ) 22 (95 ) Loans charged off — — — (717 ) (29 ) (746 ) Recoveries 12 11 — 7 1 31 $ 326 $ 4,679 $ 1,245 $ 2,943 $ 33 $ 9,226 As of June 30, 2024 December 31, 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 residential real estate Nonresidential real estate Commercial loans and leases Consumer Total June 30, 2024 Loans: Loans individually evaluated $ 57 $ — $ 380 $ 20,541 $ — $ 20,978 Loans collectively evaluated 17,650 527,542 109,255 318,675 1,787 974,909 $ 17,707 $ 527,542 $ 109,635 $ 339,216 $ 1,787 $ 995,887 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 324 4,843 1,397 1,524 54 8,142 $ 324 $ 4,843 $ 1,397 $ 1,524 $ 54 $ 8,142 One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total December 31, 2023 Loans: Loans individually evaluated $ 67 $ — $ — $ 21,982 $ — $ 22,049 Loans collectively evaluated 18,878 527,460 118,016 371,339 1,364 1,037,057 $ 18,945 $ 527,460 $ 118,016 $ 393,321 $ 1,364 $ 1,059,106 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 295 4,549 1,166 2,303 32 8,345 $ 295 $ 4,549 $ 1,166 $ 2,303 $ 32 $ 8,345 Collateral Dependent Loans Management's evaluation as to the ultimate collectability of loans includes estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers. Collateral dependent loans are loans in which repayment is expected to be provided solely by the underlying collateral and there are no y had $2.1 million and $3.2 million of collateral June 30, 2024 December 31, 2023 Individually Evaluated Loans The following tables present loans individually evaluated by class of loans: Three Months Ended Six Months Ended June 30, 2024 June 30, 2024 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized Average Investment Interest Income Recognized June 30, 2024 With no related allowance recorded: One-to-four family residential real estate $ 56 $ 57 $ — $ — $ 58 $ 1 $ 60 $ 1 Nonresidential real estate 366 380 — — 127 — 63 3 Commercial loans and leases 21,293 20,541 537 — 20,583 1 20,830 15 $ 21,715 $ 20,978 $ 537 $ — $ 20,768 $ 2 $ 20,953 $ 19 Year ended December 31, 2023 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized December 31, 2023 With no related allowance recorded: One-to-four family residential real estate $ 66 $ 67 $ — $ — $ 76 $ 4 Commercial loans and leases 23,954 21,982 450 — 16,542 35 $ 24,020 $ 22,049 $ 450 $ — $ 16,618 $ 39 Nonaccrual Loans The following tables present the recorded investment in nonaccrual loans and loans 90 Nonaccrual Loans Past Due Over 90 Days Still Accruing June 30, 2024 One-to-four family residential real estate $ 39 $ — Nonresidential real estate 380 — Commercial loans and leases 20,395 — $ 20,814 $ — December 31, 2023 One-to-four family residential real estate $ 37 $ — Commercial loans and leases 21,294 1,007 $ 21,331 $ 1,007 Nonaccrual loans and individually evaluated loans are defined differently. Some loans may may one The Company’s reserve for uncollected loan interest was $1.9 million and $1.4 million at June 30, 2024 December 31, 2023 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 June 30, 2024 One-to-four family residential real estate loans $ 13 $ — $ — $ 13 $ 39 $ 17,655 $ 17,707 Multi-family residential real estate: Senior notes — 107 — 107 — 487,966 488,073 Junior notes — — — — — 39,469 39,469 Nonresidential real estate: Owner occupied — — — — — 15,549 15,549 Non-owner occupied — — — — 380 93,706 94,086 Commercial loans and leases: Commercial 1,159 151 — 1,310 1,506 187,161 189,977 Equipment finance - Government 2,649 3,272 — 5,921 18,889 83,344 108,154 Equipment finance - Corporate Investment-grade — — — — — 41,085 41,085 Consumer 6 3 — 9 — 1,778 1,787 $ 3,827 $ 3,533 $ — $ 7,360 $ 20,814 $ 967,713 $ 995,887 30-59 Days Past Due 60-89 Days Past Due Greater Than 89 Days Past Due Total Past Due Nonaccrual Current Total December 31, 2023 One-to-four family residential real estate loans $ 12 $ 18 $ — $ 30 $ 37 $ 18,878 $ 18,945 Multi-family residential real estate: Senior notes — — — — — 485,281 485,281 Junior notes — — — — — 42,179 42,179 Nonresidential real estate: Owner occupied — — — — — 20,901 20,901 Non-owner occupied — — — — — 97,115 97,115 Commercial loans and leases: Commercial 234 26 666 926 2,285 208,770 211,981 Equipment finance - Government 3,147 5,028 — 8,175 18,956 105,134 132,265 Equipment finance - Corporate Investment-grade 7 — 341 348 53 48,674 49,075 Consumer 8 5 — 13 — 1,351 1,364 $ 3,408 $ 5,077 $ 1,007 $ 9,492 $ 21,331 $ 1,028,283 $ 1,059,106 At June 30, 2024 December 31, 2023 2022 02 “Financial Instruments—Credit Losses (Topic 326 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 June 30, 2024 One-to-four family residential real estate $ 17,434 $ 67 $ — $ 167 $ 39 $ 17,707 Multi-family residential real estate 522,856 3,265 — 1,421 — 527,542 Nonresidential real estate 105,106 3,259 433 457 380 109,635 Commercial loans and leases 291,274 13,033 11,360 3,154 20,395 339,216 Consumer 1,775 6 3 3 — 1,787 $ 938,445 $ 19,630 $ 11,796 $ 5,202 $ 20,814 $ 995,887 Pass Watch Special Mention Substandard Substandard Nonaccrual Total December 31, 2023 One-to-four family residential real estate $ 18,492 $ 144 $ — $ 272 $ 37 $ 18,945 Multi-family residential real estate 518,538 7,589 1,333 — — 527,460 Nonresidential real estate 114,155 3,861 — — — 118,016 Commercial loans and leases 340,623 16,761 10,587 4,056 21,294 393,321 Consumer 1,349 7 5 3 — 1,364 $ 993,157 $ 28,362 $ 11,925 $ 4,331 $ 21,331 $ 1,059,106 Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Revolving loans Total June 30, 2024 One-to-four family residential real estate loans: Risk-rating Pass $ — $ 487 $ — $ — $ 90 $ 13,375 $ 3,482 $ 17,434 Watch — — — — — 67 — 67 Substandard — — — — — 26 141 167 Nonaccrual — — — — — 23 16 39 $ — $ 487 $ — $ — $ 90 $ 13,491 $ 3,639 $ 17,707 One-to-four family residential real estate loans: Current period recoveries $ — $ — $ — $ — $ — $ 5 $ — $ 5 Multi-family residential real estate: Risk rating Pass $ 20,299 $ 38,046 $ 208,081 $ 111,048 $ 55,219 $ 83,106 $ 7,057 $ 522,856 Watch — — 640 — 260 2,365 — 3,265 Substandard — 216 1,205 — — — — 1,421 $ 20,299 $ 38,262 $ 209,926 $ 111,048 $ 55,479 $ 85,471 $ 7,057 $ 527,542 Multi-family residential real estate: Current period recoveries $ — $ — $ — $ — $ — $ 10 $ — $ 10 Nonresidential real estate: Risk rating Pass $ 13,083 $ 15,389 $ 46,104 $ 13,798 $ 7,557 $ 9,038 $ 137 $ 105,106 Watch — — 1,845 1,414 — — — 3,259 Special mention — — 433 — — — — 433 Substandard 457 — — — — — — 457 Nonaccrual — — 380 — — — — 380 $ 13,540 $ 15,389 $ 48,762 $ 15,212 $ 7,557 $ 9,038 $ 137 $ 109,635 Commercial loans and leases: Risk rating Pass $ 12,891 $ 35,621 $ 98,669 $ 47,820 $ 23,821 $ 1,850 $ 70,602 $ 291,274 Watch — 5,630 6,443 718 242 — — 13,033 Special mention — — — — — — 11,360 11,360 Substandard — 75 146 — — — 2,933 3,154 Nonaccrual — 356 19,624 — 415 — — 20,395 $ 12,891 $ 41,682 $ 124,882 $ 48,538 $ 24,478 $ 1,850 $ 84,895 $ 339,216 Commercial loans and leases: Current period gross charge-offs $ — $ (4 ) $ (116 ) $ (43 ) $ (5 ) $ — $ — $ (168 ) Current period recoveries — — — 5 7 — — 12 $ — $ (4 ) $ (116 ) $ (38 ) $ 2 $ — $ — $ (156 ) Consumer: Risk rating Pass $ 726 $ 208 $ 7 $ 55 $ 50 $ 98 $ 631 $ 1,775 Watch — — — — — — 6 6 Special mention — — — — — — 3 3 Substandard — — — — — — 3 3 $ 726 $ 208 $ 7 $ 55 $ 50 $ 98 $ 643 $ 1,787 Consumer: Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ (25 ) $ (25 ) Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving loans Total December 31, 2023 One-to-four family residential real estate loans: Risk-rating Pass $ 489 $ — $ — $ 130 $ — $ 14,069 $ 3,804 $ 18,492 Watch — — — — — 144 — 144 Substandard — — — — — 127 145 272 Nonaccrual — — — — — 16 21 37 $ 489 $ — $ — $ 130 $ — $ 14,356 $ 3,970 $ 18,945 One-to-four family residential real estate loans: Current-period gross charge-offs $ — $ — $ — $ — $ — $ (1 ) $ — $ (1 ) Current period recoveries — — — — — 45 — 45 $ — $ — $ — $ — $ — $ 44 $ — $ 44 Multi-family residential real estate: Risk rating Pass $ 43,386 $ 210,878 $ 108,563 $ 57,480 $ 22,064 $ 67,432 $ 8,735 $ 518,538 Watch — 647 4,104 263 — 2,575 — 7,589 Special mention 118 1,215 — — — — — 1,333 $ 43,504 $ 212,740 $ 112,667 $ 57,743 $ 22,064 $ 70,007 $ 8,735 $ 527,460 Multi-family residential real estate: Current period recoveries $ — $ — $ — $ — $ — $ 20 $ — $ 20 Nonresidential real estate: Risk rating Pass $ 17,618 $ 50,898 $ 20,436 $ 7,787 $ 9,024 $ 8,288 $ 104 $ 114,155 Watch — 2,358 1,503 — — — — 3,861 $ 17,618 $ 53,256 $ 21,939 $ 7,787 $ 9,024 $ 8,288 $ 104 $ 118,016 Commercial loans and leases: Risk rating Pass $ 43,972 $ 130,444 $ 62,280 $ 32,633 $ 3,028 $ 1,379 $ 66,887 $ 340,623 Watch 6,043 7,171 748 371 — — 2,428 16,761 Special mention — — — — — — 10,587 10,587 Substandard — 666 — 22 — — 3,368 4,056 Nonaccrual 11 20,204 524 555 — — — 21,294 $ 50,026 $ 158,485 $ 63,552 $ 33,581 $ 3,028 $ 1,379 $ 83,270 $ 393,321 Commercial loans and leases: Current period gross charge-offs $ (20 ) $ (1,850 ) $ — $ (306 ) $ — $ — $ — $ (2,176 ) Current period recoveries — — 37 40 — — — 77 $ (20 ) $ (1,850 ) $ 37 $ (266 ) $ — $ — $ — $ (2,099 ) Consumer: Risk rating Pass $ 336 $ 8 $ 140 $ 80 $ 247 $ — $ 538 $ 1,349 Watch — — — — — — 7 7 Special mention — — — — — — 5 5 Substandard — — — — — — 3 3 $ 336 $ 8 $ 140 $ 80 $ 247 $ — $ 553 $ 1,364 Consumer: Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ (52 ) $ (52 ) Current period recoveries — — — — — — 1 1 $ — $ — $ — $ — $ — $ — $ (51 ) $ (51 )

Note 5 - Foreclosed Assets

Note 5 - Foreclosed Assets	6 Months Ended
	Jun. 30, 2024
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. June 30, 2024 December 31, 2023 Balance Valuation Allowance Net Balance Balance Valuation Allowance Net Balance Other real estate owned $ — $ — $ — $ 472 $ (67 ) $ 405 Other foreclosed assets 1,898 — 1,898 2,416 (44 ) 2,372 $ 1,898 $ — $ 1,898 $ 2,888 $ (111 ) $ 2,777 The following represents the roll forward of foreclosed assets: For the Three Months Ended For the Six Months Ended June 30, June 30, 2024 2023 2024 2023 Beginning balance $ 2,332 $ 1,393 $ 2,777 $ 476 New foreclosed assets — — 49 921 Valuation reductions from sales 44 — 111 — Direct write-downs — (70 ) — (70 ) Sales (478 ) (373 ) (1,039 ) (377 ) Ending balance $ 1,898 $ 950 $ 1,898 $ 950 Activity in the valuation allowance is as follows: For the Three Months Ended For the Six Months Ended June 30, June 30, 2024 2023 2024 2023 Beginning balance $ 44 $ — $ 111 $ — Reductions from sales (44 ) — (111 ) — Ending balance $ — $ — $ — $ — The were no consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process at June 30, 2024 December 31, 2023 June 30, 2024

Note 6 - Borrowings and Subordi

Note 6 - Borrowings and Subordinated Notes	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 6 Borrowings and subordinated notes were as follows: June 30, 2024 December 31, 2023 Contractual Contractual Rate Amount Rate Amount Fixed-rate advance from FHLB, due September 16, 2024 4.55 % $ 5,000 4.55 % $ 5,000 Fixed-rate advance from FHLB, due March 17, 2025 4.27 % 5,000 4.27 % 5,000 Fixed-rate advance from FHLB, due September 17, 2025 4.20 % 5,000 4.20 % 5,000 Fixed-rate advance from FHLB, due March 17, 2026 4.15 % 5,000 4.15 % 5,000 Fixed-rate advance from FHLB, due September 17, 2026 4.06 % 5,000 4.06 % 5,000 Subordinated notes, due May 15, 2031 3.75 % 18,715 3.75 % 19,678 Line of credit, due March 28, 2025 8.00 % — 8.00 % — In 2021, May 15, 2031 ( June 30, 2024 December 31, 2023 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 March 2024, 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 28, 2025. June 30, 2024 December 31, 2023

Note 7 - Fair Value

Note 7 - Fair Value	6 Months Ended
	Jun. 30, 2024
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 Premises held-for-sale: 2023, two second 2023, The following table sets forth the Company’s financial assets that were accounted for at fair value and are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. Fair Value Measurements Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value June 30, 2024 Securities: Municipal securities $ — $ 925 $ — $ 925 U.S. Treasury Notes 75,059 — — 75,059 U.S. government-sponsored agencies — 142,816 — 142,816 Mortgage-backed securities – residential — 3,184 — 3,184 Collateralized mortgage obligations – residential — 922 — 922 $ 75,059 $ 147,847 $ — $ 222,906 December 31, 2023 Securities: Municipal securities $ — $ 934 $ — $ 934 U.S. Treasury Notes 112,508 — — 112,508 U.S. government-sponsored agencies — 35,391 — 35,391 Mortgage-backed securities – residential — 3,367 — 3,367 Collateralized mortgage obligations – residential — 1,003 — 1,003 $ 112,508 $ 40,695 $ — $ 153,203 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 December 31, 2023 Other real estate owned $ — $ — $ 405 $ 405 Other foreclosed assets — — 387 387 At June 30, 2024 December 31, 2023 no Foreclosed assets are carried at the lower of cost or fair value less costs to sell. June 30, 2024 December 31, 2023 other real estate owned had a carrying value of $472,000 less a valuation allowance of $67,000, or $405,000, and other foreclosed assets had a carrying value of $431,000 less a valuation allowance of $44,000, or $387,000. There were no valuation adjustments of foreclosed assets recorded for the three six June 30, 2024 and 2023. 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) December 31, 2023 Other real estate owned $ 405 Sales comparison Discount applied to valuation 10.0 % Other foreclosed assets 387 Sales comparison Discount applied to valuation 6.2 % The carrying amount and estimated fair value of financial instruments are as follows: Fair Value Measurements at June 30, 2024 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents and time deposits in other financial institutions $ 186,691 $ 132,385 $ 54,306 $ — $ 186,691 Securities 222,906 75,059 147,847 — 222,906 Loans receivable, net of allowance for credit losses 987,745 — — 941,656 941,656 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 9,343 304 2,549 6,490 9,343 Financial liabilities Certificates of deposit 223,494 — 221,386 — 221,386 Borrowings 25,000 — 24,812 — 24,812 Subordinated notes 18,715 — 16,910 — 16,910 Fair Value Measurements at December 31, 2023 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents and time deposits in other financial institutions $ 207,997 $ 177,169 $ 30,828 $ — $ 207,997 Securities 153,203 112,508 40,695 — 153,203 Loans receivable, net of allowance for credit losses 1,050,761 — — 997,897 997,897 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 7,542 475 500 6,567 7,542 Financial liabilities Certificates of deposit 222,391 — 220,222 — 220,222 Borrowings 25,000 — 24,960 — 24,960 Subordinated notes 19,678 — 17,698 . 17,698 Loans third may not While the above estimates are based on management’s judgment of the most appropriate factors, as of the balance sheet date, there is no may not In addition, other assets and liabilities that are not not

Note 8 - Revenue From Contracts

Note 8 - Revenue From Contracts With Customers	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	NOTE 8 All of the Company's revenue from contracts with customers within the scope of ASC 606 606 Three Months Ended Six Months Ended June 30, June 30, 2024 2023 2024 2023 Deposit service charges and fees $ 834 $ 830 $ 1,643 $ 1,646 Loan servicing fees (1) 97 141 253 270 Trust and insurance commissions and annuities income 349 276 799 643 Losses on sales of securities (1) — — — (454 ) (Loss) gain on sale of premises and equipment (9 ) 13 (84 ) 9 Valuation adjustment on bank premises held-for-sale (1) — (32 ) — (585 ) Loss on bank-owned life insurance (1) (91 ) (87 ) (178 ) (171 ) Gain on repurchase of Subordinated notes (1) — — 107 — Other (1) 96 98 197 194 Total noninterest income $ 1,276 $ 1,239 $ 2,737 $ 1,552 ( 1 Not 606 A description of the Company's revenue streams accounted for under ASC 606 Deposit service charges and fees: Interchange income: three June 30, 2024 2023 six June 30, 2024 2023 Trust and insurance commissions and annuities income: i.e Gains/losses on sales of foreclosed assets and other assets: for the six June 30, 2024 2023 not

Insider Trading Arrangements

Insider Trading Arrangements	6 Months Ended
	Jun. 30, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]	5. OTHER INFORMATION During the three June 30, 2024 no 10b5 1 10b5 1
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation three six June 30, 2024 not may December 31, 2024 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
Financing Receivable, Fee and Interest Income [Policy Text Block]	Factored Receivables: 4 may third June 30, 2024 December 31, 2023 June 30, 2024 December 31, 2023 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.
Interest-bearing Deposits in Other Financial Institutions [Policy Text Block]	Interest-Bearing Time Deposits in other Financial Institutions: i 90
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications no These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10 December 31, 2023
New Accounting Pronouncements, Policy [Policy Text Block]	Newly Issued Not December 2023, 2023 09, 740 Improvements to Income Tax Disclosures December 15, 2024, December 15, 2025. not

Note 2 - Earnings Per Share (Ta

Note 2 - Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, 2024 2023 2024 2023 Net income available to common stockholders $ 2,134 $ 2,312 $ 3,844 $ 4,945 Basic and diluted weighted average common shares outstanding 12,460,678 12,667,129 12,464,365 12,694,334 Basic and diluted earnings per common share $ 0.17 $ 0.18 $ 0.31 $ 0.39

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Available-for-Sale Securities Reconciliation [Table Text Block]	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-Sale Securities June 30, 2024 Municipal securities $ 929 $ — $ (4 ) $ 925 U.S. Treasury Notes 77,128 — (2,069 ) 75,059 U.S. government-sponsored agencies 142,987 3 (174 ) 142,816 Mortgage-backed securities - residential 3,255 27 (98 ) 3,184 Collateralized mortgage obligations - residential 938 — (16 ) 922 $ 225,237 $ 30 $ (2,361 ) $ 222,906 December 31, 2023 Municipal securities $ 930 $ 12 $ (8 ) $ 934 U.S. Treasury Notes 115,920 — (3,412 ) 112,508 U.S. government-sponsored agencies 35,446 7 (62 ) 35,391 Mortgage-backed securities - residential 3,431 27 (91 ) 3,367 Collateralized mortgage obligations - residential 1,023 — (20 ) 1,003 $ 156,750 $ 46 $ (3,593 ) $ 153,203
Investments Classified by Contractual Maturity Date [Table Text Block]	June 30, 2024 Amortized Cost Fair Value Due in one year or less $ 104,022 $ 102,671 Due after one year through five years 117,022 116,129 221,044 218,800 Mortgage-backed securities - residential 3,255 3,184 Collateralized mortgage obligations - residential 938 922 $ 225,237 $ 222,906
Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]	Less than 12 Months 12 Months or More Total Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss Count Fair Value Unrealized Loss June 30, 2024 Municipal securities 1 $ 603 $ (1 ) 1 $ 221 $ (3 ) 2 $ 824 $ (4 ) U.S. Treasury Notes — — — 115 75,059 (2,069 ) 115 75,059 (2,069 ) U.S. government-sponsored agencies 15 124,837 (159 ) 2 7,985 (15 ) 17 132,822 (174 ) Mortgage-backed securities - residential — — — 12 2,236 (98 ) 12 2,236 (98 ) Collateralized mortgage obligations - residential — — — 5 922 (16 ) 5 922 (16 ) 16 $ 125,440 $ (160 ) 135 $ 86,423 $ (2,201 ) 151 $ 211,863 $ (2,361 ) December 31, 2023 Municipal securities — $ — $ — 1 $ 217 $ (8 ) 1 $ 217 $ (8 ) U.S. Treasury Notes — — — 170 112,508 (3,412 ) 170 112,508 (3,412 ) U.S. government-sponsored agencies 2 8,987 (13 ) 4 17,951 (49 ) 6 26,938 (62 ) Mortgage-backed securities - residential — — — 17 2,627 (91 ) 17 2,627 (91 ) Collateralized mortgage obligations - residential — — — 6 1,003 (20 ) 6 1,003 (20 ) 2 $ 8,987 $ (13 ) 198 $ 134,306 $ (3,580 ) 200 $ 143,293 $ (3,593 )
Gain (Loss) on Securities [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, 2024 2023 2024 2023 Proceeds $ — $ — $ — $ 42,631 Gross gains — — — — Gross losses — — — (454 )

Note 4 - Loans Receivable (Tabl

Note 4 - Loans Receivable (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	June 30, 2024 December 31, 2023 One-to-four family residential real estate $ 17,707 $ 18,945 Multi-family residential real estate 527,542 527,460 Nonresidential real estate 109,635 118,016 Commercial loans and leases 339,216 393,321 Consumer 1,787 1,364 995,887 1,059,106 Allowance for credit losses (8,142 ) (8,345 ) Loans, net $ 987,745 $ 1,050,761
Financing Receivable, Allowance for Credit Loss [Table Text Block]	One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total For the three months ended June 30, 2024 Beginning balance $ 331 $ 4,819 $ 1,444 $ 1,621 $ 34 $ 8,249 Provision for (recovery of) credit losses (9 ) 20 (47 ) (94 ) 32 (98 ) Loans charged off — — — (10 ) (12 ) (22 ) Recoveries 2 4 — 7 — 13 $ 324 $ 4,843 $ 1,397 $ 1,524 $ 54 $ 8,142 June 30, 2023 Beginning balance $ 354 $ 4,714 $ 1,347 $ 3,576 $ 41 $ 10,032 Recovery of credit losses (35 ) (41 ) (102 ) (1 ) (1 ) (180 ) Loans charged off — — — (638 ) (7 ) (645 ) Recoveries 7 6 — 6 — 19 $ 326 $ 4,679 $ 1,245 $ 2,943 $ 33 $ 9,226 One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total For the six months ended June 30, 2024 Beginning balance $ 295 $ 4,549 $ 1,166 $ 2,303 $ 32 $ 8,345 Provision for (recovery of) credit losses 24 284 231 (623 ) 47 (37 ) Loans charged off — — — (168 ) (25 ) (193 ) Recoveries 5 10 — 12 — 27 $ 324 $ 4,843 $ 1,397 $ 1,524 $ 54 $ 8,142 June 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 (66 ) 21 (55 ) (17 ) 22 (95 ) Loans charged off — — — (717 ) (29 ) (746 ) Recoveries 12 11 — 7 1 31 $ 326 $ 4,679 $ 1,245 $ 2,943 $ 33 $ 9,226
Financing Receivable and Allowance for Loan Losses Based on Impairment Method [Table Text Block]	One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total June 30, 2024 Loans: Loans individually evaluated $ 57 $ — $ 380 $ 20,541 $ — $ 20,978 Loans collectively evaluated 17,650 527,542 109,255 318,675 1,787 974,909 $ 17,707 $ 527,542 $ 109,635 $ 339,216 $ 1,787 $ 995,887 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 324 4,843 1,397 1,524 54 8,142 $ 324 $ 4,843 $ 1,397 $ 1,524 $ 54 $ 8,142 One-to-four family residential real estate Multi-family residential real estate Nonresidential real estate Commercial loans and leases Consumer Total December 31, 2023 Loans: Loans individually evaluated $ 67 $ — $ — $ 21,982 $ — $ 22,049 Loans collectively evaluated 18,878 527,460 118,016 371,339 1,364 1,037,057 $ 18,945 $ 527,460 $ 118,016 $ 393,321 $ 1,364 $ 1,059,106 ACL: Loans individually evaluated $ — $ — $ — $ — $ — $ — Loans collectively evaluated 295 4,549 1,166 2,303 32 8,345 $ 295 $ 4,549 $ 1,166 $ 2,303 $ 32 $ 8,345
Impaired Financing Receivables 1 [Table Text Block]	Three Months Ended Six Months Ended June 30, 2024 June 30, 2024 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized Average Investment Interest Income Recognized June 30, 2024 With no related allowance recorded: One-to-four family residential real estate $ 56 $ 57 $ — $ — $ 58 $ 1 $ 60 $ 1 Nonresidential real estate 366 380 — — 127 — 63 3 Commercial loans and leases 21,293 20,541 537 — 20,583 1 20,830 15 $ 21,715 $ 20,978 $ 537 $ — $ 20,768 $ 2 $ 20,953 $ 19 Year ended December 31, 2023 Loan Balance Recorded Investment Partial Charge-off Allowance for Credit Losses Allocated Average Investment Interest Income Recognized December 31, 2023 With no related allowance recorded: One-to-four family residential real estate $ 66 $ 67 $ — $ — $ 76 $ 4 Commercial loans and leases 23,954 21,982 450 — 16,542 35 $ 24,020 $ 22,049 $ 450 $ — $ 16,618 $ 39
Financing Receivable, Nonaccrual [Table Text Block]	Nonaccrual Loans Past Due Over 90 Days Still Accruing June 30, 2024 One-to-four family residential real estate $ 39 $ — Nonresidential real estate 380 — Commercial loans and leases 20,395 — $ 20,814 $ — December 31, 2023 One-to-four family residential real estate $ 37 $ — Commercial loans and leases 21,294 1,007 $ 21,331 $ 1,007
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 June 30, 2024 One-to-four family residential real estate loans $ 13 $ — $ — $ 13 $ 39 $ 17,655 $ 17,707 Multi-family residential real estate: Senior notes — 107 — 107 — 487,966 488,073 Junior notes — — — — — 39,469 39,469 Nonresidential real estate: Owner occupied — — — — — 15,549 15,549 Non-owner occupied — — — — 380 93,706 94,086 Commercial loans and leases: Commercial 1,159 151 — 1,310 1,506 187,161 189,977 Equipment finance - Government 2,649 3,272 — 5,921 18,889 83,344 108,154 Equipment finance - Corporate Investment-grade — — — — — 41,085 41,085 Consumer 6 3 — 9 — 1,778 1,787 $ 3,827 $ 3,533 $ — $ 7,360 $ 20,814 $ 967,713 $ 995,887 30-59 Days Past Due 60-89 Days Past Due Greater Than 89 Days Past Due Total Past Due Nonaccrual Current Total December 31, 2023 One-to-four family residential real estate loans $ 12 $ 18 $ — $ 30 $ 37 $ 18,878 $ 18,945 Multi-family residential real estate: Senior notes — — — — — 485,281 485,281 Junior notes — — — — — 42,179 42,179 Nonresidential real estate: Owner occupied — — — — — 20,901 20,901 Non-owner occupied — — — — — 97,115 97,115 Commercial loans and leases: Commercial 234 26 666 926 2,285 208,770 211,981 Equipment finance - Government 3,147 5,028 — 8,175 18,956 105,134 132,265 Equipment finance - Corporate Investment-grade 7 — 341 348 53 48,674 49,075 Consumer 8 5 — 13 — 1,351 1,364 $ 3,408 $ 5,077 $ 1,007 $ 9,492 $ 21,331 $ 1,028,283 $ 1,059,106
Financing Receivable Credit Quality Indicators [Table Text Block]	Pass Watch Special Mention Substandard Substandard Nonaccrual Total June 30, 2024 One-to-four family residential real estate $ 17,434 $ 67 $ — $ 167 $ 39 $ 17,707 Multi-family residential real estate 522,856 3,265 — 1,421 — 527,542 Nonresidential real estate 105,106 3,259 433 457 380 109,635 Commercial loans and leases 291,274 13,033 11,360 3,154 20,395 339,216 Consumer 1,775 6 3 3 — 1,787 $ 938,445 $ 19,630 $ 11,796 $ 5,202 $ 20,814 $ 995,887 Pass Watch Special Mention Substandard Substandard Nonaccrual Total December 31, 2023 One-to-four family residential real estate $ 18,492 $ 144 $ — $ 272 $ 37 $ 18,945 Multi-family residential real estate 518,538 7,589 1,333 — — 527,460 Nonresidential real estate 114,155 3,861 — — — 118,016 Commercial loans and leases 340,623 16,761 10,587 4,056 21,294 393,321 Consumer 1,349 7 5 3 — 1,364 $ 993,157 $ 28,362 $ 11,925 $ 4,331 $ 21,331 $ 1,059,106 Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Revolving loans Total June 30, 2024 One-to-four family residential real estate loans: Risk-rating Pass $ — $ 487 $ — $ — $ 90 $ 13,375 $ 3,482 $ 17,434 Watch — — — — — 67 — 67 Substandard — — — — — 26 141 167 Nonaccrual — — — — — 23 16 39 $ — $ 487 $ — $ — $ 90 $ 13,491 $ 3,639 $ 17,707 One-to-four family residential real estate loans: Current period recoveries $ — $ — $ — $ — $ — $ 5 $ — $ 5 Multi-family residential real estate: Risk rating Pass $ 20,299 $ 38,046 $ 208,081 $ 111,048 $ 55,219 $ 83,106 $ 7,057 $ 522,856 Watch — — 640 — 260 2,365 — 3,265 Substandard — 216 1,205 — — — — 1,421 $ 20,299 $ 38,262 $ 209,926 $ 111,048 $ 55,479 $ 85,471 $ 7,057 $ 527,542 Multi-family residential real estate: Current period recoveries $ — $ — $ — $ — $ — $ 10 $ — $ 10 Nonresidential real estate: Risk rating Pass $ 13,083 $ 15,389 $ 46,104 $ 13,798 $ 7,557 $ 9,038 $ 137 $ 105,106 Watch — — 1,845 1,414 — — — 3,259 Special mention — — 433 — — — — 433 Substandard 457 — — — — — — 457 Nonaccrual — — 380 — — — — 380 $ 13,540 $ 15,389 $ 48,762 $ 15,212 $ 7,557 $ 9,038 $ 137 $ 109,635 Commercial loans and leases: Risk rating Pass $ 12,891 $ 35,621 $ 98,669 $ 47,820 $ 23,821 $ 1,850 $ 70,602 $ 291,274 Watch — 5,630 6,443 718 242 — — 13,033 Special mention — — — — — — 11,360 11,360 Substandard — 75 146 — — — 2,933 3,154 Nonaccrual — 356 19,624 — 415 — — 20,395 $ 12,891 $ 41,682 $ 124,882 $ 48,538 $ 24,478 $ 1,850 $ 84,895 $ 339,216 Commercial loans and leases: Current period gross charge-offs $ — $ (4 ) $ (116 ) $ (43 ) $ (5 ) $ — $ — $ (168 ) Current period recoveries — — — 5 7 — — 12 $ — $ (4 ) $ (116 ) $ (38 ) $ 2 $ — $ — $ (156 ) Consumer: Risk rating Pass $ 726 $ 208 $ 7 $ 55 $ 50 $ 98 $ 631 $ 1,775 Watch — — — — — — 6 6 Special mention — — — — — — 3 3 Substandard — — — — — — 3 3 $ 726 $ 208 $ 7 $ 55 $ 50 $ 98 $ 643 $ 1,787 Consumer: Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ (25 ) $ (25 ) Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving loans Total December 31, 2023 One-to-four family residential real estate loans: Risk-rating Pass $ 489 $ — $ — $ 130 $ — $ 14,069 $ 3,804 $ 18,492 Watch — — — — — 144 — 144 Substandard — — — — — 127 145 272 Nonaccrual — — — — — 16 21 37 $ 489 $ — $ — $ 130 $ — $ 14,356 $ 3,970 $ 18,945 One-to-four family residential real estate loans: Current-period gross charge-offs $ — $ — $ — $ — $ — $ (1 ) $ — $ (1 ) Current period recoveries — — — — — 45 — 45 $ — $ — $ — $ — $ — $ 44 $ — $ 44 Multi-family residential real estate: Risk rating Pass $ 43,386 $ 210,878 $ 108,563 $ 57,480 $ 22,064 $ 67,432 $ 8,735 $ 518,538 Watch — 647 4,104 263 — 2,575 — 7,589 Special mention 118 1,215 — — — — — 1,333 $ 43,504 $ 212,740 $ 112,667 $ 57,743 $ 22,064 $ 70,007 $ 8,735 $ 527,460 Multi-family residential real estate: Current period recoveries $ — $ — $ — $ — $ — $ 20 $ — $ 20 Nonresidential real estate: Risk rating Pass $ 17,618 $ 50,898 $ 20,436 $ 7,787 $ 9,024 $ 8,288 $ 104 $ 114,155 Watch — 2,358 1,503 — — — — 3,861 $ 17,618 $ 53,256 $ 21,939 $ 7,787 $ 9,024 $ 8,288 $ 104 $ 118,016 Commercial loans and leases: Risk rating Pass $ 43,972 $ 130,444 $ 62,280 $ 32,633 $ 3,028 $ 1,379 $ 66,887 $ 340,623 Watch 6,043 7,171 748 371 — — 2,428 16,761 Special mention — — — — — — 10,587 10,587 Substandard — 666 — 22 — — 3,368 4,056 Nonaccrual 11 20,204 524 555 — — — 21,294 $ 50,026 $ 158,485 $ 63,552 $ 33,581 $ 3,028 $ 1,379 $ 83,270 $ 393,321 Commercial loans and leases: Current period gross charge-offs $ (20 ) $ (1,850 ) $ — $ (306 ) $ — $ — $ — $ (2,176 ) Current period recoveries — — 37 40 — — — 77 $ (20 ) $ (1,850 ) $ 37 $ (266 ) $ — $ — $ — $ (2,099 ) Consumer: Risk rating Pass $ 336 $ 8 $ 140 $ 80 $ 247 $ — $ 538 $ 1,349 Watch — — — — — — 7 7 Special mention — — — — — — 5 5 Substandard — — — — — — 3 3 $ 336 $ 8 $ 140 $ 80 $ 247 $ — $ 553 $ 1,364 Consumer: Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ (52 ) $ (52 ) Current period recoveries — — — — — — 1 1 $ — $ — $ — $ — $ — $ — $ (51 ) $ (51 )

Note 5 - Foreclosed Assets (Tab

Note 5 - Foreclosed Assets (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Other Real Estate Owned and Other Foreclosed Assets [Table Text Block]	June 30, 2024 December 31, 2023 Balance Valuation Allowance Net Balance Balance Valuation Allowance Net Balance Other real estate owned $ — $ — $ — $ 472 $ (67 ) $ 405 Other foreclosed assets 1,898 — 1,898 2,416 (44 ) 2,372 $ 1,898 $ — $ 1,898 $ 2,888 $ (111 ) $ 2,777
Roll Forward of Foreclosed Assets [Table Text Block]	For the Three Months Ended For the Six Months Ended June 30, June 30, 2024 2023 2024 2023 Beginning balance $ 2,332 $ 1,393 $ 2,777 $ 476 New foreclosed assets — — 49 921 Valuation reductions from sales 44 — 111 — Direct write-downs — (70 ) — (70 ) Sales (478 ) (373 ) (1,039 ) (377 ) Ending balance $ 1,898 $ 950 $ 1,898 $ 950
Foreclosed Assets, Valuation Allowance [Table Text Block]	For the Three Months Ended For the Six Months Ended June 30, June 30, 2024 2023 2024 2023 Beginning balance $ 44 $ — $ 111 $ — Reductions from sales (44 ) — (111 ) — Ending balance $ — $ — $ — $ —

Note 6 - Borrowings and Subor_2

Note 6 - Borrowings and Subordinated Notes (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Federal Home Loan Bank, Advances [Table Text Block]	June 30, 2024 December 31, 2023 Contractual Contractual Rate Amount Rate Amount Fixed-rate advance from FHLB, due September 16, 2024 4.55 % $ 5,000 4.55 % $ 5,000 Fixed-rate advance from FHLB, due March 17, 2025 4.27 % 5,000 4.27 % 5,000 Fixed-rate advance from FHLB, due September 17, 2025 4.20 % 5,000 4.20 % 5,000 Fixed-rate advance from FHLB, due March 17, 2026 4.15 % 5,000 4.15 % 5,000 Fixed-rate advance from FHLB, due September 17, 2026 4.06 % 5,000 4.06 % 5,000 Subordinated notes, due May 15, 2031 3.75 % 18,715 3.75 % 19,678 Line of credit, due March 28, 2025 8.00 % — 8.00 % —

Note 7 - Fair Value (Tables)

Note 7 - Fair Value (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value June 30, 2024 Securities: Municipal securities $ — $ 925 $ — $ 925 U.S. Treasury Notes 75,059 — — 75,059 U.S. government-sponsored agencies — 142,816 — 142,816 Mortgage-backed securities – residential — 3,184 — 3,184 Collateralized mortgage obligations – residential — 922 — 922 $ 75,059 $ 147,847 $ — $ 222,906 December 31, 2023 Securities: Municipal securities $ — $ 934 $ — $ 934 U.S. Treasury Notes 112,508 — — 112,508 U.S. government-sponsored agencies — 35,391 — 35,391 Mortgage-backed securities – residential — 3,367 — 3,367 Collateralized mortgage obligations – residential — 1,003 — 1,003 $ 112,508 $ 40,695 $ — $ 153,203
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 December 31, 2023 Other real estate owned $ — $ — $ 405 $ 405 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) December 31, 2023 Other real estate owned $ 405 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 June 30, 2024 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents and time deposits in other financial institutions $ 186,691 $ 132,385 $ 54,306 $ — $ 186,691 Securities 222,906 75,059 147,847 — 222,906 Loans receivable, net of allowance for credit losses 987,745 — — 941,656 941,656 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 9,343 304 2,549 6,490 9,343 Financial liabilities Certificates of deposit 223,494 — 221,386 — 221,386 Borrowings 25,000 — 24,812 — 24,812 Subordinated notes 18,715 — 16,910 — 16,910 Fair Value Measurements at December 31, 2023 Using: Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents and time deposits in other financial institutions $ 207,997 $ 177,169 $ 30,828 $ — $ 207,997 Securities 153,203 112,508 40,695 — 153,203 Loans receivable, net of allowance for credit losses 1,050,761 — — 997,897 997,897 FHLB and FRB stock 7,490 — — — N /A Accrued interest receivable 7,542 475 500 6,567 7,542 Financial liabilities Certificates of deposit 222,391 — 220,222 — 220,222 Borrowings 25,000 — 24,960 — 24,960 Subordinated notes 19,678 — 17,698 . 17,698

Note 8 - Revenue From Contrac_2

Note 8 - Revenue From Contracts With Customers (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, 2024 2023 2024 2023 Deposit service charges and fees $ 834 $ 830 $ 1,643 $ 1,646 Loan servicing fees (1) 97 141 253 270 Trust and insurance commissions and annuities income 349 276 799 643 Losses on sales of securities (1) — — — (454 ) (Loss) gain on sale of premises and equipment (9 ) 13 (84 ) 9 Valuation adjustment on bank premises held-for-sale (1) — (32 ) — (585 ) Loss on bank-owned life insurance (1) (91 ) (87 ) (178 ) (171 ) Gain on repurchase of Subordinated notes (1) — — 107 — Other (1) 96 98 197 194 Total noninterest income $ 1,276 $ 1,239 $ 2,737 $ 1,552

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Factored Receivable Unpaid Principal Balance	$ 2,500,000	$ 5,900,000
Factored Receivable, Customer Reserves	$ 902,000	$ 2,100,000

Note 2 - Earnings Per Share - E

Note 2 - Earnings Per Share - Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income available to common stockholders	$ 2,134	$ 2,312	$ 3,844	$ 4,945
Basic and diluted weighted average common shares outstanding (in shares)	12,460,678	12,667,129	12,464,365	12,694,334
Basic and diluted earnings per common share (in dollars per share)	$ 0.17	$ 0.18	$ 0.31	$ 0.39

Note 3 - Securities - Fair Valu

Note 3 - Securities - Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Amortized cost	$ 225,237	$ 156,750
Gross unrealized gains	30	46
Gross unrealized losses	(2,361)	(3,593)
Fair value	222,906	153,203
US States and Political Subdivisions Debt Securities [Member]
Amortized cost	929	930
Gross unrealized gains	0	12
Gross unrealized losses	(4)	(8)
Fair value	925	934
US Treasury Securities [Member]
Amortized cost	77,128	115,920
Gross unrealized gains	0	0
Gross unrealized losses	(2,069)	(3,412)
Fair value	75,059	112,508
US Government-sponsored Enterprises Debt Securities [Member]
Amortized cost	142,987	35,446
Gross unrealized gains	3	7
Gross unrealized losses	(174)	(62)
Fair value	142,816	35,391
Residential Mortgage-Backed Securities [Member]
Amortized cost	3,255	3,431
Gross unrealized gains	27	27
Gross unrealized losses	(98)	(91)
Fair value	3,184	3,367
Collateralized Mortgage-Backed Securities [Member]
Amortized cost	938	1,023
Gross unrealized gains	0	0
Gross unrealized losses	(16)	(20)
Fair value	$ 922	$ 1,003

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities By Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Due in one year or less, amortized cost	$ 104,022
Due in one year or less, fair value	102,671
Due after one year through five years, amortized cost	117,022
Due after one year through five years	116,129
Amortized cost, single maturity date, amortized cost	221,044
Fair value, single maturity date	218,800
Amortized cost	225,237	$ 156,750
Fair value	222,906	153,203
Residential Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	3,255
Fair value, without single maturity date	3,184
Amortized cost	3,255	3,431
Fair value	3,184	3,367
Collateralized Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	938
Fair value, without single maturity date	922
Amortized cost	938	1,023
Fair value	$ 922	$ 1,003

Note 3 - Securities - Securitie

Note 3 - Securities - Securities With Unrealized Losses (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Count, less than 12 months	16	2
Fair value, less than 12 months	$ 125,440	$ 8,987
Unrealized loss, less than 12 months	$ (160)	$ (13)
Count, 12 months or more	135	198
Fair value, 12 months or more	$ 86,423	$ 134,306
Unrealized loss, 12 months or more	$ (2,201)	$ (3,580)
Count, total	151	200
Fair value, total	$ 211,863	$ 143,293
Unrealized loss, total	$ (2,361)	$ (3,593)
US States and Political Subdivisions Debt Securities [Member]
Count, less than 12 months	1	0
Fair value, less than 12 months	$ 603	$ 0
Unrealized loss, less than 12 months	$ (1)	$ 0
Count, 12 months or more	1	1
Fair value, 12 months or more	$ 221	$ 217
Unrealized loss, 12 months or more	$ (3)	$ (8)
Count, total	2	1
Fair value, total	$ 824	$ 217
Unrealized loss, total	$ (4)	$ (8)
US Treasury Securities [Member]
Count, less than 12 months	0	0
Fair value, less than 12 months	$ 0	$ 0
Unrealized loss, less than 12 months	$ 0	$ 0
Count, 12 months or more	115	170
Fair value, 12 months or more	$ 75,059	$ 112,508
Unrealized loss, 12 months or more	$ (2,069)	$ (3,412)
Count, total	115	170
Fair value, total	$ 75,059	$ 112,508
Unrealized loss, total	$ (2,069)	$ (3,412)
US Government-sponsored Enterprises Debt Securities [Member]
Count, less than 12 months	15	2
Fair value, less than 12 months	$ 124,837	$ 8,987
Unrealized loss, less than 12 months	$ (159)	$ (13)
Count, 12 months or more	2	4
Fair value, 12 months or more	$ 7,985	$ 17,951
Unrealized loss, 12 months or more	$ (15)	$ (49)
Count, total	17	6
Fair value, total	$ 132,822	$ 26,938
Unrealized loss, total	$ (174)	$ (62)
Residential Mortgage-Backed Securities [Member]
Count, less than 12 months	0	0
Fair value, less than 12 months	$ 0	$ 0
Unrealized loss, less than 12 months	$ 0	$ 0
Count, 12 months or more	12	17
Fair value, 12 months or more	$ 2,236	$ 2,627
Unrealized loss, 12 months or more	$ (98)	$ (91)
Count, total	12	17
Fair value, total	$ 2,236	$ 2,627
Unrealized loss, total	$ (98)	$ (91)
Collateralized Mortgage-Backed Securities [Member]
Count, less than 12 months	0	0
Fair value, less than 12 months	$ 0	$ 0
Unrealized loss, less than 12 months	$ 0	$ 0
Count, 12 months or more	5	6
Fair value, 12 months or more	$ 922	$ 1,003
Unrealized loss, 12 months or more	$ (16)	$ (20)
Count, total	5	6
Fair value, total	$ 922	$ 1,003
Unrealized loss, total	$ (16)	$ (20)

Note 3 - Securities - Proceeds

Note 3 - Securities - Proceeds and Gains and Losses From Sale of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Proceeds from sale of securities	$ 0	$ 0	$ 0	$ 42,631
Gross gains	0	0	0	0
Gross losses	$ 0	$ 0	$ 0	$ (454)

Note 4 - Loans Receivable (Deta

Note 4 - Loans Receivable (Details Textual) - USD ($)	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Unamortized Loan Cost (Fee)	$ 1,500,000		$ 1,700,000
Financing Receivable, Allowance for Credit Loss	8,142,000	$ 8,249,000	8,345,000	$ 9,226,000	$ 10,032,000	$ 8,129,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	995,887,000		1,059,106,000
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	1,900,000		1,400,000
Financing Receivable, Modified, Accumulated	0		0
Real Estate or Business Assets [Member]
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	2,100,000		3,200,000
Unfunded Loan Commitment [Member] | Other Liabilities [Member]
Financing Receivable, Allowance for Credit Loss	$ 262,000		$ 335,000

Note 4 - Loans Receivable - Loa

Note 4 - Loans Receivable - Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Loans receivable	$ 995,887		$ 1,059,106
Allowance for credit losses	(8,142)	$ (8,249)	(8,345)	$ (9,226)	$ (10,032)	$ (8,129)
Loans, net	987,745		1,050,761
Commercial Portfolio Segment [Member]
Loans receivable	339,216		393,321
Allowance for credit losses	(1,524)	(1,621)	(2,303)	(2,943)	(3,576)	(2,548)
Consumer Portfolio Segment [Member]
Loans receivable	1,787		1,364
Allowance for credit losses	(54)	(34)	(32)	(33)	(41)	(49)
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Loans receivable	17,707		18,945
Allowance for credit losses	(324)	(331)	(295)	(326)	(354)	(281)
Multi-family Mortgage [Member] | Real Estate Portfolio [Member]
Loans receivable	527,542		527,460
Allowance for credit losses	(4,843)	(4,819)	(4,549)	(4,679)	(4,714)	(4,017)
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Loans receivable	109,635		118,016
Allowance for credit losses	$ (1,397)	$ (1,444)	$ (1,166)	$ (1,245)	$ (1,347)	$ (1,234)

Note 4 - Loans Receivable - Act

Note 4 - Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning balance	$ 8,249	$ 10,032	$ 8,345	$ 8,129
Recovery of credit losses - loans	(98)	(180)	(37)	(95)
Loans charged off	(22)	(645)	(193)	(746)
Recoveries	13	19	27	31
Total ending allowance balance	8,142	9,226	8,142	9,226
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				1,907
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				10,036
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Beginning balance	331	354	295	281
Recovery of credit losses - loans	(9)	(35)	24	(66)
Loans charged off	0	0	0	0
Recoveries	2	7	5	12
Total ending allowance balance	324	326	324	326
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				99
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				380
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Beginning balance	4,819	4,714	4,549	4,017
Recovery of credit losses - loans	20	(41)	284	21
Loans charged off	0	0	0	0
Recoveries	4	6	10	11
Total ending allowance balance	4,843	4,679	4,843	4,679
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				630
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				4,647
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Beginning balance	1,444	1,347	1,166	1,234
Recovery of credit losses - loans	(47)	(102)	231	(55)
Loans charged off	0	0	0	0
Recoveries	0	0	0	0
Total ending allowance balance	1,397	1,245	1,397	1,245
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				66
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				1,300
Commercial Portfolio Segment [Member]
Beginning balance	1,621	3,576	2,303	2,548
Recovery of credit losses - loans	(94)	(1)	(623)	(17)
Loans charged off	(10)	(638)	(168)	(717)
Recoveries	7	6	12	7
Total ending allowance balance	1,524	2,943	1,524	2,943
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				1,122
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				3,670
Consumer Portfolio Segment [Member]
Beginning balance	34	41	32	49
Recovery of credit losses - loans	32	(1)	47	22
Loans charged off	(12)	(7)	(25)	(29)
Recoveries	0	0	0	1
Total ending allowance balance	$ 54	$ 33	$ 54	33
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				(10)
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance				$ 39

Note 4 - Loans Receivable - All

Note 4 - Loans Receivable - Allowance for Loan Losses and Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Loan balances, individually evaluated for impairment	$ 20,978		$ 22,049
Loan balances, collectively evaluated for impairment	974,909		1,037,057
Loans receivable	995,887		1,059,106
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	8,142		8,345
Allowance for loan losses	8,142	$ 8,249	8,345	$ 9,226	$ 10,032	$ 8,129
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loan balances, individually evaluated for impairment	57		67
Loan balances, collectively evaluated for impairment	17,650		18,878
Loans receivable	17,707		18,945
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	324		295
Allowance for loan losses	324	331	295	326	354	281
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	527,542		527,460
Loans receivable	527,542		527,460
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	4,843		4,549
Allowance for loan losses	4,843	4,819	4,549	4,679	4,714	4,017
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loan balances, individually evaluated for impairment	380		0
Loan balances, collectively evaluated for impairment	109,255		118,016
Loans receivable	109,635		118,016
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	1,397		1,166
Allowance for loan losses	1,397	1,444	1,166	1,245	1,347	1,234
Commercial Portfolio Segment [Member]
Loan balances, individually evaluated for impairment	20,541		21,982
Loan balances, collectively evaluated for impairment	318,675		371,339
Loans receivable	339,216		393,321
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	1,524		2,303
Allowance for loan losses	1,524	1,621	2,303	2,943	3,576	2,548
Consumer Portfolio Segment [Member]
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	1,787		1,364
Loans receivable	1,787		1,364
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	54		32
Allowance for loan losses	$ 54	$ 34	$ 32	$ 33	$ 41	$ 49

Note 4 - Loans Receivable - L_2

Note 4 - Loans Receivable - Loans Individually Evaluated for Impairment By Class (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Dec. 31, 2023
Loan balance, with no allowance recorded	$ 21,715	$ 21,715	$ 24,020
Recorded investment, with no allowance recorded	20,978	20,978	22,049
Partial charge-off, with no allowance recorded	537	537	450
Average investment in impaired loans, with no allowance recorded	20,768	20,953	16,618
Interest income recognized, with no allowance recorded	2	19	39
Loan balance, with no allowance recorded	21,715	21,715	24,020
Recorded investment, with no allowance recorded	20,978	20,978	22,049
Average investment in impaired loans, with no allowance recorded	20,768	20,953	16,618
Interest income recognized, with no allowance recorded	2	19	39
Commercial Portfolio Segment [Member]
Loan balance, with no allowance recorded	21,293	21,293
Recorded investment, with no allowance recorded	20,541	20,541
Partial charge-off, with no allowance recorded	537	537
Average investment in impaired loans, with no allowance recorded	20,583	20,830
Interest income recognized, with no allowance recorded	1	15
Loan balance, with no allowance recorded	21,293	21,293
Recorded investment, with no allowance recorded	20,541	20,541
Average investment in impaired loans, with no allowance recorded	20,583	20,830
Interest income recognized, with no allowance recorded	1	15
One-to-Four Family Residential Real Estate [Member] | Real Estate Portfolio [Member]
Loan balance, with no allowance recorded	56	56	66
Recorded investment, with no allowance recorded	57	57	67
Partial charge-off, with no allowance recorded	0	0	0
Average investment in impaired loans, with no allowance recorded	58	60	76
Interest income recognized, with no allowance recorded	1	1	4
Loan balance, with no allowance recorded	56	56	66
Recorded investment, with no allowance recorded	57	57	67
Average investment in impaired loans, with no allowance recorded	58	60	76
Interest income recognized, with no allowance recorded	1	1	4
Nonresidential Real Estate [Member] | Real Estate Portfolio [Member]
Loan balance, with no allowance recorded	366	366
Recorded investment, with no allowance recorded	380	380
Partial charge-off, with no allowance recorded	0	0
Average investment in impaired loans, with no allowance recorded	127	63
Interest income recognized, with no allowance recorded	0	3
Loan balance, with no allowance recorded	366	366
Recorded investment, with no allowance recorded	380	380
Average investment in impaired loans, with no allowance recorded	127	63
Interest income recognized, with no allowance recorded	$ 0	$ 3
Commercial Loans [Member] | Real Estate Portfolio [Member]
Loan balance, with no allowance recorded			23,954
Loan balance, with no allowance recorded			23,954
Commercial leases [Member] | Real Estate Portfolio [Member]
Recorded investment, with no allowance recorded			21,982
Partial charge-off, with no allowance recorded			450
Average investment in impaired loans, with no allowance recorded			16,542
Interest income recognized, with no allowance recorded			35
Recorded investment, with no allowance recorded			21,982
Average investment in impaired loans, with no allowance recorded			16,542
Interest income recognized, with no allowance recorded			$ 35

Note 4 - Loans Receivable - Rec

Note 4 - Loans Receivable - Recorded Investment in Nonaccrual Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Recorded investment	$ 20,814	$ 21,331
Loans past due over 90 days, still accruing	0	1,007
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Recorded investment	39	37
Loans past due over 90 days, still accruing	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Recorded investment	380
Loans past due over 90 days, still accruing	0
Commercial Portfolio Segment [Member]
Recorded investment	20,395	21,294
Loans past due over 90 days, still accruing	$ 0	$ 1,007

Note 4 - Loans Receivable - Agi

Note 4 - Loans Receivable - Aging of the Recorded Investment of Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loans receivable	$ 995,887	$ 1,059,106
Loans receivable, nonaccrual	20,814	21,331
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	17,707	18,945
Loans receivable, nonaccrual	39	37
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	527,542	527,460
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	488,073	485,281
Loans receivable, nonaccrual	0	0
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	39,469	42,179
Loans receivable, nonaccrual	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	15,549	20,901
Loans receivable, nonaccrual	0	0
Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	94,086	97,115
Loans receivable, nonaccrual	380	0
Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	189,977	211,981
Loans receivable, nonaccrual	1,506	2,285
Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	108,154	132,265
Loans receivable, nonaccrual	18,889	18,956
Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	41,085	49,075
Loans receivable, nonaccrual	0	53
Consumer Portfolio Segment [Member]
Loans receivable	1,787	1,364
Loans receivable, nonaccrual	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	3,827	3,408
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	13	12
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	0	0
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	1,159	234
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	2,649	3,147
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	0	7
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	6	8
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	3,533	5,077
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	0	18
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	107	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	151	26
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	3,272	5,028
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	3	5
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	0	1,007
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	0	666
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	0	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	341
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	7,360	9,492
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	13	30
Financial Asset, Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	107	0
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	1,310	926
Financial Asset, Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	5,921	8,175
Financial Asset, Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	0	348
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	9	13
Financial Asset, Not Past Due [Member]
Loans receivable	967,713	1,028,283
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	17,655	18,878
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Senior Mortgage Notes [Member]
Loans receivable	487,966	485,281
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Junior Mortgage Notes [Member]
Loans receivable	39,469	42,179
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Owner Occupied [Member]
Loans receivable	15,549	20,901
Financial Asset, Not Past Due [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate, Non-owner Occupied [Member]
Loans receivable	93,706	97,115
Financial Asset, Not Past Due [Member] | Commercial Loans and Leases [Member] | Commercial Loans [Member]
Loans receivable	187,161	208,770
Financial Asset, Not Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Government [Member]
Loans receivable	83,344	105,134
Financial Asset, Not Past Due [Member] | Commercial Loans and Leases [Member] | Equipment Finance Leases, Investment-rated [Member]
Loans receivable	41,085	48,674
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	$ 1,778	$ 1,351

Note 4 - Loans Receivable - Ris

Note 4 - Loans Receivable - Risk Categories of Loans By Class of Loans (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Loans receivable	$ 995,887	$ 1,059,106
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	17,707	18,945
Financing Receivable, current year	0	489
Financing Receivable, one year before	487	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	130
Financing Receivable, four years before	90	0
Financing Receivable, prior	13,491	14,356
Financing Receivable, revolving	3,639	3,970
Current period recoveries, current year	0	0
Current period recoveries, one year before	0	0
Current period recoveries, two years before	0	0
Current period recoveries, three years before	0	0
Current period recoveries, four years before	0	0
Current period recoveries, prior	5	45
Current period recoveries, revolving	0	0
Current period recoveries, total	5	45
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)
Current period gross charge-offs		0
Current period gross charge-offs		(1)
Recoveries (charge-offs), net, current year		0
Recoveries (charge-offs), net, one year before		0
Recoveries (charge-offs), net, two years before		0
Recoveries (charge-offs), net, three years before		0
Recoveries (charge-offs), net, four years before		0
Recoveries (charge-offs), net, prior		44
Recoveries (charge-offs), net, revolving		0
Recoveries (charge-offs), net, total		44
Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	527,542	527,460
Financing Receivable, current year	20,299	43,504
Financing Receivable, one year before	38,262	212,740
Financing Receivable, two years before	209,926	112,667
Financing Receivable, three years before	111,048	57,743
Financing Receivable, four years before	55,479	22,064
Financing Receivable, prior	85,471	70,007
Financing Receivable, revolving	7,057	8,735
Current period recoveries, current year	0	0
Current period recoveries, one year before	0	0
Current period recoveries, two years before	0	0
Current period recoveries, three years before	0	0
Current period recoveries, four years before	0	0
Current period recoveries, prior	10	20
Current period recoveries, revolving	0	0
Current period recoveries, total	10	20
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	109,635	118,016
Financing Receivable, current year	13,540	17,618
Financing Receivable, one year before	15,389	53,256
Financing Receivable, two years before	48,762	21,939
Financing Receivable, three years before	15,212	7,787
Financing Receivable, four years before	7,557	9,024
Financing Receivable, prior	9,038	8,288
Financing Receivable, revolving	137	104
Commercial Portfolio Segment [Member]
Loans receivable	339,216	393,321
Financing Receivable, current year	12,891	50,026
Financing Receivable, one year before	41,682	158,485
Financing Receivable, two years before	124,882	63,552
Financing Receivable, three years before	48,538	33,581
Financing Receivable, four years before	24,478	3,028
Financing Receivable, prior	1,850	1,379
Financing Receivable, revolving	84,895	83,270
Current period recoveries, current year	0	0
Current period recoveries, one year before	0	0
Current period recoveries, two years before	0	37
Current period recoveries, three years before	5	40
Current period recoveries, four years before	7	0
Current period recoveries, prior	0	0
Current period recoveries, revolving	0	0
Current period recoveries, total	12	77
Current period gross charge-offs	0	(20)
Current period gross charge-offs	(4)	(1,850)
Current period gross charge-offs	(116)	0
Current period gross charge-offs	(43)	(306)
Current period gross charge-offs	(5)	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	(168)	(2,176)
Recoveries (charge-offs), net, current year	0	(20)
Recoveries (charge-offs), net, one year before	(4)	(1,850)
Recoveries (charge-offs), net, two years before	(116)	37
Recoveries (charge-offs), net, three years before	(38)	(266)
Recoveries (charge-offs), net, four years before	2	0
Recoveries (charge-offs), net, prior	0	0
Recoveries (charge-offs), net, revolving	0	0
Recoveries (charge-offs), net, total	(156)	(2,099)
Consumer Portfolio Segment [Member]
Loans receivable	1,787	1,364
Financing Receivable, current year	726	336
Financing Receivable, one year before	208	8
Financing Receivable, two years before	7	140
Financing Receivable, three years before	55	80
Financing Receivable, four years before	50	247
Financing Receivable, prior	98	0
Financing Receivable, revolving	643	553
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
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	(25)	(52)
Current period gross charge-offs	(25)	(52)
Recoveries (charge-offs), net, current year		0
Recoveries (charge-offs), net, one year before		0
Recoveries (charge-offs), net, two years before		0
Recoveries (charge-offs), net, three years before		0
Recoveries (charge-offs), net, four years before		0
Recoveries (charge-offs), net, prior		0
Recoveries (charge-offs), net, revolving		(51)
Recoveries (charge-offs), net, total		(51)
Pass [Member]
Loans receivable	938,445	993,157
Pass [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	17,434	18,492
Financing Receivable, current year	0	489
Financing Receivable, one year before	487	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	130
Financing Receivable, four years before	90	0
Financing Receivable, prior	13,375	14,069
Financing Receivable, revolving	3,482	3,804
Pass [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	522,856	518,538
Financing Receivable, current year	20,299	43,386
Financing Receivable, one year before	38,046	210,878
Financing Receivable, two years before	208,081	108,563
Financing Receivable, three years before	111,048	57,480
Financing Receivable, four years before	55,219	22,064
Financing Receivable, prior	83,106	67,432
Financing Receivable, revolving	7,057	8,735
Pass [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	105,106	114,155
Financing Receivable, current year	13,083	17,618
Financing Receivable, one year before	15,389	50,898
Financing Receivable, two years before	46,104	20,436
Financing Receivable, three years before	13,798	7,787
Financing Receivable, four years before	7,557	9,024
Financing Receivable, prior	9,038	8,288
Financing Receivable, revolving	137	104
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	291,274	340,623
Financing Receivable, current year	12,891	43,972
Financing Receivable, one year before	35,621	130,444
Financing Receivable, two years before	98,669	62,280
Financing Receivable, three years before	47,820	32,633
Financing Receivable, four years before	23,821	3,028
Financing Receivable, prior	1,850	1,379
Financing Receivable, revolving	70,602	66,887
Pass [Member] | Consumer Portfolio Segment [Member]
Loans receivable	1,775	1,349
Financing Receivable, current year	726	336
Financing Receivable, one year before	208	8
Financing Receivable, two years before	7	140
Financing Receivable, three years before	55	80
Financing Receivable, four years before	50	247
Financing Receivable, prior	98	0
Financing Receivable, revolving	631	538
Watch [Member]
Loans receivable	19,630	28,362
Watch [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	67	144
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	67	144
Financing Receivable, revolving	0	0
Watch [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	3,265	7,589
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	647
Financing Receivable, two years before	640	4,104
Financing Receivable, three years before	0	263
Financing Receivable, four years before	260	0
Financing Receivable, prior	2,365	2,575
Financing Receivable, revolving	0	0
Watch [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	3,259	3,861
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	2,358
Financing Receivable, two years before	1,845	1,503
Financing Receivable, three years before	1,414	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	0	0
Watch [Member] | Commercial Portfolio Segment [Member]
Loans receivable	13,033	16,761
Financing Receivable, current year	0	6,043
Financing Receivable, one year before	5,630	7,171
Financing Receivable, two years before	6,443	748
Financing Receivable, three years before	718	371
Financing Receivable, four years before	242	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	0	2,428
Watch [Member] | Consumer Portfolio Segment [Member]
Loans receivable	6	7
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	6	7
Special Mention [Member]
Loans receivable	11,796	11,925
Special Mention [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	0	0
Special Mention [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	0	1,333
Financing Receivable, current year		118
Financing Receivable, one year before		1,215
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] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	433	0
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	433
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Special Mention [Member] | Commercial Portfolio Segment [Member]
Loans receivable	11,360	10,587
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	11,360	10,587
Special Mention [Member] | Consumer Portfolio Segment [Member]
Loans receivable	3	5
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	3	5
Substandard [Member]
Loans receivable	5,202	4,331
Substandard [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	167	272
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	26	127
Financing Receivable, revolving	141	145
Substandard [Member] | Real Estate Portfolio [Member] | Multi-family Mortgage [Member]
Loans receivable	1,421	0
Financing Receivable, current year	0
Financing Receivable, one year before	216
Financing Receivable, two years before	1,205
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Substandard [Member] | Real Estate Portfolio [Member] | Nonresidential Real Estate [Member]
Loans receivable	457	0
Financing Receivable, current year	457
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	0
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans receivable	3,154	4,056
Financing Receivable, current year	0	0
Financing Receivable, one year before	75	666
Financing Receivable, two years before	146	0
Financing Receivable, three years before	0	22
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	2,933	3,368
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans receivable	3	3
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	3	3
Substandard Nonaccrual [Member]
Loans receivable	20,814	21,331
Substandard Nonaccrual [Member] | Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member]
Loans receivable	39	37
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	23	16
Financing Receivable, revolving	16	21
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	380	0
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	380
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Substandard Nonaccrual [Member] | Commercial Portfolio Segment [Member]
Loans receivable	20,395	21,294
Financing Receivable, current year	0	11
Financing Receivable, one year before	356	20,204
Financing Receivable, two years before	19,624	524
Financing Receivable, three years before	0	555
Financing Receivable, four years before	415	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	0	0
Substandard Nonaccrual [Member] | Consumer Portfolio Segment [Member]
Loans receivable	$ 0	$ 0

Note 5 - Foreclosed Assets (Det

Note 5 - Foreclosed Assets (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Mortgage Loans in Process of Foreclosure, Amount	$ 0	$ 0

Note 5 - Foreclosed Assets - Re

Note 5 - Foreclosed Assets - Real Estate Acquired Through Foreclosure (Details) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Other real estate owned, gross	$ 0	$ 472,000
Other real estate owned, valuation allowance	0	(67,000)
Other real estate owned	0	405,000
Other foreclosed assets, gross	1,898,000	2,416,000
Other foreclosed assets, valuation allowance	0	(44,000)
Other foreclosed assets	1,898,000	2,372,000
Other real estate owned and other foreclosed assets, gross	1,898,000	2,888,000
Other real estate owned and other foreclosed assets, valuation allowance	0	(111,000)
Total	$ 1,898,000	$ 2,777,000

Note 5 - Foreclosed Assets- Rol

Note 5 - Foreclosed Assets- Roll Forward of Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning balance	$ 2,332	$ 1,393	$ 2,777	$ 476
New foreclosed assets	0	0	49	921
Valuation reductions from sales	44	0	111	0
Direct write-downs	0	(70)	0	(70)
Sales	(478)	(373)	(1,039)	(377)
Ending balance	$ 1,898	$ 950	$ 1,898	$ 950

Note 5 - Foreclosed Assets - Ac

Note 5 - Foreclosed Assets - Activity in the Valuation Allowance (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning balance	$ 44	$ 0	$ 111	$ 0
Reductions from sales	(44)	0	(111)	0
Ending balance	$ 0	$ 0	$ 0	$ 0

Note 6 - Borrowings and Subor_3

Note 6 - Borrowings and Subordinated Notes (Details Textual) - USD ($)			1 Months Ended	3 Months Ended		6 Months Ended		12 Months Ended
		Apr. 14, 2021	Mar. 31, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2020	Dec. 31, 2023
Repayments of Subordinated Debt						$ 906,000	$ 0
Gain (Loss) on Extinguishment of Debt	[1]			$ 0	$ 0	107,000	$ 0
Federal Home Loan Bank Advances [Member]
Debt, Long-term and Short-term, Combined Amount, Total				0		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		$ 285,000		$ 285,000			$ 322,000
Debt Instrument, Term (Year)		10 years
Repayments of Subordinated Debt			$ 1,000,000
Gain (Loss) on Extinguishment of Debt			$ 107,000
The 3.75 Percent Fixed-to-Floating Rate Subordinated Notes [Member] | Secured Overnight Financing Rate (SOFR) [Member]
Debt Instrument, Basis Spread on Variable Rate		2.99%
[1]Not within the scope of ASC 606

Note 6 - Borrowings and Subor_4

Note 6 - Borrowings and Subordinated Notes - Advances From the FHLB (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Subordinated notes, net of unamortized issuance costs	$ 18,715	$ 19,678
Line of credit, due March 31, 2022, interest rate	8%	8%
Line of credit, due March 28, 2025	$ 0	$ 0
Subordinated Debt [Member]
Subordinated notes, due May 15, 2031	3.75%	3.75%
Subordinated notes, net of unamortized issuance costs	$ 18,715	$ 19,678
Fix Rate Advance Due September 16, 2024 [Member]
Fixed-rate advance from FHLB, interest rate	4.55%	4.55%
Fixed-rate advance from FHLB	$ 5,000	$ 5,000
Fix Rate Advance Due March 17, 2025 [Member]
Fixed-rate advance from FHLB, interest rate	4.27%	4.27%
Fixed-rate advance from FHLB	$ 5,000	$ 5,000
Fix Rate Advance Due September 17, 2025 [Member]
Fixed-rate advance from FHLB, interest rate	4.20%	4.20%
Fixed-rate advance from FHLB	$ 5,000	$ 5,000
Fix Rate Advance Due March 17, 2026 [Member]
Fixed-rate advance from FHLB, interest rate	4.15%	4.15%
Fixed-rate advance from FHLB	$ 5,000	$ 5,000
Fix Rate Advance Due September 17, 2026 [Member]
Fixed-rate advance from FHLB, interest rate	4.06%	4.06%
Fixed-rate advance from FHLB	$ 5,000	$ 5,000

Note 7 - Fair Value (Details Te

Note 7 - Fair Value (Details Textual) - USD ($)	3 Months Ended					6 Months Ended
	Jun. 30, 2024		Jun. 30, 2023		Mar. 31, 2023	Jun. 30, 2024		Jun. 30, 2023		Dec. 31, 2023
Valuation Reserve on Premises Held-for-sale	$ 0	[1]	$ 32,000	[1]	$ 553,000	$ 0	[1]	$ 585,000	[1]
Other Foreclosed Assets, Valuation Allowance	0					0				$ 44,000
Other Real Estate Owned, Gross	0					0				472,000
Other Real Estate with Valuation Adjustments										67,000
Other Real Estate	0					0				405,000
Foreclosed Assets, Gross										431,000
Foreclosed Assets, Net of Valuation Reserve										$ 387,000
Foreclosed Assets Valuation Adjustments, With Valuation Reserve	$ 0		$ 0			$ 0		$ 0
[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	Jun. 30, 2024	Dec. 31, 2023
Securities	$ 222,906	$ 153,203
US States and Political Subdivisions Debt Securities [Member]
Securities	925	934
US Treasury and Government [Member]
Securities	75,059
US Government-sponsored Enterprises Debt Securities [Member]
Securities	142,816	35,391
Residential Mortgage-Backed Securities [Member]
Securities	3,184	3,367
Collateralized Mortgage-Backed Securities [Member]
Securities	922	1,003
US Treasury Securities [Member]
Securities	75,059	112,508
Fair Value, Inputs, Level 1 [Member]
Securities	75,059	112,508
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	75,059
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		112,508
Fair Value, Inputs, Level 2 [Member]
Securities	147,847	40,695
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities	925	934
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	142,816	35,391
Fair Value, Inputs, Level 2 [Member] | Residential Mortgage-Backed Securities [Member]
Securities	3,184	3,367
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities	922	1,003
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] | 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 ($)	Jun. 30, 2024	Dec. 31, 2023
Other real estate owned, gross	$ 0	$ 472,000
Fair Value, Nonrecurring [Member] | One-to-Four Family Residential Real Estate [Member]
Other real estate owned, gross		405,000
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		405,000
Other foreclosed assets		$ 387,000

Note 7 - Fair Value - Quantitat

Note 7 - Fair Value - Quantitative Information for Financial Instruments on Non-recurring Basis (Details) - One-to-Four Family Residential Real Estate [Member] - Fair Value, Nonrecurring [Member] $ in Thousands	Dec. 31, 2023 USD ($)
Other foreclosed assets	$ 387
Fair Value, Inputs, Level 3 [Member]
Other real estate owned	405
Other foreclosed assets	$ 387
Fair Value, Inputs, Level 3 [Member] | Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member]
Other real estate owned, input	0.10
Other foreclosed assets, input	0.062

Note 7 - Fair Value - Carrying

Note 7 - Fair Value - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Securities	$ 222,906	$ 153,203
Fair Value, Inputs, Level 1 [Member]
Securities	75,059	112,508
Fair Value, Inputs, Level 2 [Member]
Securities	147,847	40,695
Fair Value, Inputs, Level 3 [Member]
Securities	0	0
Reported Value Measurement [Member]
Cash and cash equivalents and time deposits in other financial institutions	186,691	207,997
Securities	222,906	153,203
Loans receivable, net of allowance for credit losses	987,745	1,050,761
FHLB and FRB stock	7,490	7,490
Accrued interest receivable	9,343	7,542
Certificates of deposit	223,494	222,391
Borrowings	25,000	25,000
Subordinated notes	18,715	19,678
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents and time deposits in other financial institutions	186,691	207,997
Securities	222,906	153,203
Loans receivable, net of allowance for credit losses	941,656	997,897
Accrued interest receivable	9,343	7,542
Certificates of deposit	221,386	220,222
Borrowings	24,812	24,960
Subordinated notes	16,910	17,698
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents and time deposits in other financial institutions	132,385	177,169
Securities	75,059	112,508
Loans receivable, net of allowance for credit losses	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	304	475
Certificates of deposit	0	0
Borrowings	0	0
Subordinated notes	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents and time deposits in other financial institutions	54,306	30,828
Securities	147,847	40,695
Loans receivable, net of allowance for credit losses	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	2,549	500
Certificates of deposit	221,386	220,222
Borrowings	24,812	24,960
Subordinated notes	16,910	17,698
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents and time deposits in other financial institutions	0	0
Securities	0	0
Loans receivable, net of allowance for credit losses	941,656	997,897
FHLB and FRB stock	0	0
Accrued interest receivable	6,490	6,567
Certificates of deposit	0	0
Borrowings	0	$ 0
Subordinated notes	$ 0

Note 8 - Revenue From Contrac_3

Note 8 - Revenue From Contracts With Customers (Details Textual) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue from Contract with Customer, Excluding Assessed Tax	$ 834,000	$ 830,000	$ 1,643,000	$ 1,646,000
Credit and Debit Card [Member]
Revenue from Contract with Customer, Excluding Assessed Tax	$ 316,000	$ 356,000	$ 626,000	$ 690,000

Note 8 - Revenue From Contrac_4

Note 8 - Revenue From Contracts With Customers - Noninterest Income (Details) - USD ($)		3 Months Ended					6 Months Ended
		Jun. 30, 2024		Jun. 30, 2023		Mar. 31, 2023	Jun. 30, 2024		Jun. 30, 2023
Revenue from contract with customer		$ 834,000		$ 830,000			$ 1,643,000		$ 1,646,000
Loan servicing fees	[1]	97,000		141,000			253,000		270,000
Losses on sales of securities	[1]	0		0			0		(454,000)
(Loss) gain on sale of premises and equipment		(9,000)		13,000			(84,000)		9,000
Valuation adjustment on bank premises held-for-sale		0	[1]	(32,000)	[1]	$ (553,000)	0	[1]	(585,000)	[1]
Loss on bank-owned life insurance	[1]	(91,000)		(87,000)			(178,000)		(171,000)
Gain on repurchase of Subordinated notes	[1]	0		0			107,000		0
Other	[1]	96,000		98,000			197,000		194,000
Total noninterest income		1,276,000		1,239,000			2,737,000		1,552,000
Deposit Account [Member]
Revenue from contract with customer		834,000		830,000			1,643,000		1,646,000
Bank Servicing [Member]
Revenue from contract with customer		$ 349,000		$ 276,000			$ 799,000		$ 643,000
[1]Not within the scope of ASC 606