Quaint Oak Bancorp (QNTO) 10-Q 19 May 23 2023 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2023	May 08, 2023
Document Information [Line Items]
Entity Central Index Key	0001391933
Entity Registrant Name	QUAINT OAK BANCORP INC
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Document Transition Report	false
Entity File Number	000-52694
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	35-2293957
Entity Address, Address Line One	501 Knowles Avenue
Entity Address, City or Town	Southampton
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	18966
City Area Code	215
Local Phone Number	364-4059
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		2,227,072

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Assets
Due from banks, non-interest-bearing	$ 484	$ 421
Due from banks, interest-bearing	3,390	3,472
Cash and cash equivalents	3,874	3,893
Investment in interest-earning time deposits	2,662	3,833
Investment securities available for sale	2,836	2,970
Loans held for sale	141,206	133,222
Loans receivable, net of allowance for credit losses (2023 $7,658; 2022 $7,678)	632,826	621,864
Accrued interest receivable	3,540	3,462
Investment in Federal Home Loan Bank stock, at cost	6,741	6,601
Bank-owned life insurance	4,250	4,226
Premises and equipment, net	2,911	2,775
Goodwill	2,573	2,573
Other intangible, net of accumulated amortization	162	174
Prepaid expenses and other assets	8,019	6,757
Total Assets	811,600	792,350
Liabilities
Non-interest bearing	95,214	88,728
Interest-bearing	459,230	460,520
Total deposits	554,444	549,248
Federal Home Loan Bank short-term borrowings	113,200	93,200
Federal Home Loan Bank long-term borrowings	46,022	66,022
Federal Reserve Bank short-term borrowings	0	7,000
Other short-term borrowings	11,117	5,489
Subordinated debt	21,739	7,966
Accrued interest payable	763	584
Advances from borrowers for taxes and insurance	3,196	4,186
Accrued expenses and other liabilities	11,698	9,573
Total Liabilities	762,179	743,268
Stockholders’ Equity
Preferred stock – $0.01 par value, 1,000,000 shares authorized; none issued or outstanding	0	0
Common stock – $0.01 par value; 9,000,000 shares authorized; 2,777,250 issued; 2,192,432 and 2,167,613 outstanding at March 31, 2023 and December 31, 2022, respectively	28	28
Additional paid-in capital	18,005	17,906
Treasury stock, at cost: 584,818 and 609,637 shares at March 31, 2023 and December 31, 2022, respectively	(3,888)	(3,992)
Accumulated other comprehensive loss	(14)	(24)
Retained earnings	31,155	30,875
Total Quaint Oak Bancorp, Inc. Stockholders' Equity	45,286	44,793
Noncontrolling Interest	4,135	4,289
Total Stockholders' Equity	49,421	49,082
Total Liabilities and Stockholders’ Equity	$ 811,600	$ 792,350

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Allowance for Credit Loss	$ 7,658	$ 7,678
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
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)	9,000,000	9,000,000
Common stock, shares issued (in shares)	2,777,250	2,777,250
Common stock, shares outstanding (in shares)	2,192,432	2,167,613
Treasury stock, at cost, shares (in shares)	584,818	609,637

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest Income
Interest on loans, including fees	$ 10,594,000	$ 6,301,000
Interest and dividends on time deposits, investment securities, interest-bearing deposits with others, and Federal Home Loan Bank stock	224,000	73,000
Total Interest Income	10,818,000	6,374,000
Interest Expense
Interest on deposits	3,510,000	620,000
Interest on Federal Home Loan Bank short-term borrowings	1,300,000	22,000
Interest on Federal Home Loan Bank long-term borrowings	277,000	112,000
Interest on Federal Reserve Bank short-term borrowings	10,000	3,000
Interest on subordinated debt	216,000	130,000
Interest on other short-term borrowings	196,000	9,000
Total Interest Expense	5,509,000	896,000
Net Interest Income	5,309,000	5,478,000
Provision for Credit Losses	392,000	679,000
Net Interest Income after Provision for Credit Losses	4,917,000	4,799,000
Non-Interest Income
Insurance commissions	136,000	116,000
Income from bank-owned life insurance	24,000	21,000
Net gain on loans held for sale	880,000	4,210,000
Gain on the sale of SBA loans	50,000	133,000
Total Non-Interest Income	3,380,000	5,509,000
Non-Interest Expense
Salaries and employee benefits	5,342,000	4,591,000
Directors' fees and expenses	105,000	71,000
Occupancy and equipment	527,000	420,000
Data processing	217,000	197,000
Professional fees	175,000	184,000
FDIC deposit insurance assessment	232,000	116,000
Advertising	299,000	208,000
Amortization of other intangible	12,000	12,000
Other	721,000	384,000
Total Non-Interest Expense	7,630,000	6,183,000
Income before Income Taxes	667,000	4,125,000
Income Taxes	218,000	861,000
Net Income	449,000	3,264,000
Net (Loss) Income Attributable to Noncontrolling Interest	(114,000)	1,016,000
Net Income Attributable to Quaint Oak Bancorp, Inc.	$ 563,000	$ 2,248,000
Earnings per share - basic (in dollars per share)	$ 0.26	$ 1.12
Average shares outstanding - basic (in shares)	2,182,597	2,013,638
Earnings per share - diluted (in dollars per share)	$ 0.25	$ 1.05
Average shares outstanding - diluted (in shares)	2,272,530	2,137,122
Mortgage Banking and Abstract Fees [Member]
Non-Interest Income
Non-interest revenue	$ 806,000	$ 637,000
Real Estate Sales Commissions [Member]
Non-Interest Income
Non-interest revenue	24,000	61,000
Other Fees and Services Fees [Member]
Non-Interest Income
Non-interest revenue	231,000	166,000
Loan Servicing Fee [Member]
Non-Interest Income
Non-interest revenue	$ 1,229,000	$ 165,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Net Income	$ 449	$ 3,264
Other Comprehensive Income (Loss):
Unrealized gains (losses) on investment securities available-for-sale	13	(27)
Income tax effect	(3)	6
Other comprehensive income (loss)	10	(21)
Total Comprehensive Income	459	3,243
Comprehensive (Loss) Income Attributable to Noncontrolling Interest	(114)	1,016
Comprehensive Income Attributable to Quaint Oak Bancorp, Inc.	$ 573	$ 2,227

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	The 401(k) Plan [Member] Common Stock Outstanding [Member]	The 401(k) Plan [Member] Additional Paid-in Capital [Member]	The 401(k) Plan [Member] Treasury Stock, Common [Member]	The 401(k) Plan [Member]	The 2008 Stock Option Plan [Member] Common Stock Outstanding [Member]	The 2008 Stock Option Plan [Member] Additional Paid-in Capital [Member]	The 2008 Stock Option Plan [Member] Treasury Stock, Common [Member]	The 2008 Stock Option Plan [Member]	Common Stock Outstanding [Member]	Additional Paid-in Capital [Member]	Treasury Stock, Common [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Total
Balance (in shares) at Dec. 31, 2021									2,011,313
Balance at Dec. 31, 2021									$ 28	$ 15,685	$ (4,977)	$ 23	$ 24,030	$ 2,120	$ 36,909
Reissuance of treasury stock (in shares)	842				1,000
Reissuance of treasury stock		$ 13	$ 5			$ 7	$ 6	$ 13
Stock based compensation expense										42					42
Cash dividends declared, per share													(221)
Noncontrolling interest distribution														(117)	(117)
Net income													2,248	1,016	3,264
Total other comprehensive income (loss)												(21)			(21)
Balance (in shares) at Mar. 31, 2022									2,016,517
Balance at Mar. 31, 2022									$ 28	15,813	(4,955)	2	26,057	3,019	39,964
Contribution of shares to ESOP from Treasury (in shares)									4,000
Contribution of shares to ESOP from Treasury										66	25				91
Treasury stock purchased (in shares)									(638)
Treasury stock purchased											(14)				$ (14)
Balance (in shares) at Dec. 31, 2022									2,167,613						2,167,613
Balance at Dec. 31, 2022									$ 28	17,906	(3,992)	(24)	30,875	4,289	$ 49,082
Reissuance of treasury stock (in shares)	1,819				23,000
Reissuance of treasury stock		$ 29	$ 11	$ 40		$ 28	$ 93	$ 121
Stock based compensation expense										42					42
Cash dividends declared, per share													(283)		(283)
Noncontrolling interest distribution															(40)
Net income													563	(114)	449
Total other comprehensive income (loss)															$ 10
Balance (in shares) at Mar. 31, 2023									2,192,432						2,192,432
Balance at Mar. 31, 2023									$ 28	$ 18,005	$ (3,888)	$ (14)	$ 31,155	$ 4,135	$ 49,421

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash dividends declared, per share (in dollars per share)	$ 0.13	$ 0.11

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended			12 Months Ended
	Mar. 31, 2023		Mar. 31, 2022	Dec. 31, 2022
Cash Flows from Operating Activities
Net income	$ 449,000		$ 3,264,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses	211,000	[1]	679,000	$ 2,475,000	[1]
Depreciation of premises and equipment	121,000		89,000
Amortization (accretion), net of operating right-of-use assets	31,000		71,000
Amortization (accretion), net of subordinated debt issuance costs	30,000		8,000
Amortization (accretion), net of other intangible	12,000		12,000
Amortization (accretion), net of securities premiums	0		(2,000)
Amortization (accretion), net of deferred loan fees and costs, net	(279,000)		(832,000)
Stock-based compensation expense	42,000		133,000
Net gain on loans held for sale	(880,000)		(4,210,000)
Loans held for sale-originations	(129,126,000)		(102,252,000)
Loans held for sale-proceeds	122,022,000		157,418,000
Gain on the sale of SBA loans	(50,000)		(133,000)
Increase in the cash surrender value of bank-owned life insurance	(24,000)		(21,000)
Changes in assets and liabilities which provided (used) cash:
Accrued interest receivable	(78,000)		362,000
Prepaid expenses and other assets	(1,297,000)		1,002,000
Accrued interest payable	179,000		124,000
Accrued expenses and other liabilities	2,126,000		2,354,000
Net Cash (Used in) Provided by Operating Activities	(6,511,000)		58,066,000
Cash Flows from Investing Activities
Purchase of interest-earning time deposits	(619,000)		(590,000)
Redemption of interest-earning time deposits	1,790,000		1,553,000
Principal repayments of investment securities available for sale	146,000		236,000
Net increase in loans receivable	(10,844,000)		(33,056,000)
Purchase of Federal Home Loan Bank stock	(740,000)		(920,000)
Redemption of Federal Home Loan Bank stock	600,000		0
Purchase of premises and equipment	(256,000)		(139,000)
Net Cash Used in Investing Activities	(9,923,000)		(32,916,000)
Cash Flows from Financing Activities
Net (decrease) increase in demand deposits, money markets, and savings accounts	(11,544,000)		6,507,000
Net increase in certificate accounts	16,740,000		4,962,000
Decrease in advances from borrowers for taxes and insurance	(990,000)		(359,000)
Repayments of Federal Home Loan Bank short-term borrowings	(13,500,000)		(26,000,000)
Proceeds from Federal Home Loan Bank short-term borrowings	33,500,000		23,000,000
Repayments of Federal Home Loan Bank long-term borrowings	(20,000,000)		0
Repayments of Federal Reserve Bank short-term borrowings	(49,700,000)		(546,000)
Proceeds from Federal Reserve Bank short-term borrowings	42,700,000		0
Proceeds from other borrowings	5,628,000		916,000
Net proceeds from subordinated debt	13,743,000		0
Dividends paid	(283,000)		(221,000)
Noncontrolling interest capital distribution	(40,000)		(117,000)
Purchase of treasury stock	0		(14,000)
Proceeds from the reissuance of treasury stock	40,000		18,000
Proceeds from the exercise of stock options	121,000		13,000
Net Cash Provided by Financing Activities	16,415,000		8,159,000
Net (Decrease) Increase in Cash and Cash Equivalents	(19,000)		33,309,000
Cash and Cash Equivalents – Beginning of Year	3,893,000		10,705,000	10,705,000
Cash and Cash Equivalents – End of Year	3,874,000		44,014,000	$ 3,893,000
Supplementary Disclosure of Cash Flow and Non-Cash Information:
Cash payments for interest	5,329,000		771,000
Cash payments for income taxes	191,000		107,000
Initial recognition of operating lease right-of use assets	1,563,000		0
Initial recognition of operating lease obligations	$ 1,563,000		$ 0
[1]Provision included in the table only includes the portion related to loans receivable. The total provision for credit losses of $392,000 includes a provision of $181,000 for off balance sheet credit exposure, which is reflected in other liabilities on the balance sheet.

Note 1 - Financial Statement Pr

Note 1 - Financial Statement Presentation and Significant Accounting Policies	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]	Note 1 Financial Statement Presentation and Significant Accounting Policies Basis of Financial Presentation. March 31, 2023, six July 2009. February, 2019, July 2012 August 2016 October 2021 January 4, 2021, second The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. Pursuant to the Bank’s election under Section 10 three The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (US GAAP) for interim information and with the instructions to Form 10 not The foregoing consolidated financial statements are unaudited; but in the opinion of management include all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation thereof. The balances as of December 31, 2022 2022 10 three March 31, 2023 not may December 31, 2023. Use of Estimates in the Preparation of Financial Statements. Critical Accounting Policies. March 31, 2023, No. 2016 13 326. no March 31, 2023 Accounting Pronouncements Recently Adopted. January 2020, 2020 04, 848 March 2020, not not one December 31, 2022. December 2022, 2022 06, Reference Rate Reform (Topic 848 848 848 December 31, 2024. two 848 2022 06 not In January 2021, 2021 01, 848 848. 2021 01 848. 2021 01 may March 12, 2020, not December 31, 2022, December 31, 2022, December 31, 2022, not In January 2017, 2017 04, 2 2, not December 15, 2019. November 2019, 2019 10, 326 815 842 350, December 15, 2022, not In March 2022, 2022 02, 326 326 326 2016 13 December 15, 2022. The Company adopted ASU 326 January 1, 2023 326, January 1, 2023 326. The following table presents the impact of adopting ASU 2016 13 January 1, 2023 ( As Reported Under ASC 326 Impact of ASC 326 Adoption Prior to Adopting ASC 326 Allowance for credit losses - loans Real estate loans: One-to-four family residential: Owner occupied $ 123 $ - $ 123 Non-owner occupied 295 - 295 Total one-to-four family residential 418 - 418 Multi-family (five or more) residential 451 - 451 Commercial real estate 3,750 - 3,750 Construction 304 - 304 Home equity 33 - 33 Total real estate loans 4,956 - 4,956 Commercial business and other consumer 2,422 - 2,422 Unallocated 300 - 300 Total allowance for credit losses 7,678 - 7,678 Allowance for credit losses - unfunded commitments Reserve for unfunded commitments 27 - 27 Total $ 7,705 $ - $ 7,705 Loans are stated at their principal amount outstanding, except for loans held for sale, which are carried at fair value. Interest income on loans is accrued as earned. In general, loans are placed on non-accrual status once they become 90 may 90 not may six A loan that is 90 may one Loans deemed to be a loss are written off through a charge against the allowance for credit losses (ACL). All loans are evaluated for possible charge-off when it is probable that the balance will not Loan Origination Fees and Costs. Allowance for Credit Losses. 326 January 1, 2023. 2022 10 The Company has elected to exclude accrued interest receivable from the measurement of its ACL. When a loan is placed on non-accrual status, any outstanding accrued interest is reversed against interest income. Loans. two 1 2 326 Loans Evaluated Collectively. Loans Evaluated Individually. Loans evaluated individually may one no may Management regularly reviews loans in the portfolio to assess credit quality indicators and to determine appropriate loan classification. For all loans, an internal risk rating process is used. The Company believes that internal risk ratings are the most relevant credit quality indicator for these types of loans. The migration of loans through the various internal risk rating categories is a significant component of the ACL methodology for these loans, which bases the probability of default on this migration. Assigning risk ratings involves judgment. Risk ratings may The following is a summary of the Company's internal risk rating categories: ● Pass: These loans do not ● Special Mention: These loans have a heightened credit risk, but not ● Substandard or Lower: These loans are inadequately protected by current sound worth and paying capacity of the borrower. There exists a well-defined weakness or weaknesses that jeopardize the normal repayment of the debt. The allocation of the ACL is reviewed to evaluate its appropriateness in relation to the overall risk profile of the loan portfolio. The Company considers risk factors such as: local and national economic conditions; trends in delinquencies and non-accrual loans; the diversity of borrower industry types; and the composition of the portfolio by loan type. Qualitative and Other Adjustments to Allowance for Credit Losses: In addition to the quantitative credit loss estimates for loans evaluated collectively, qualitative factors that may not not not Off Balance Sheet Credit Exposures: The ACL for off balance sheet credit exposures is recorded in other liabilities on the Consolidated Balance Sheet. This ACL represents management’s estimate of expected losses in its unfunded loan commitments and other off balance sheet credit exposures, such as letters of credit and credit recourse on sold residential mortgage loans. The allowance for credit losses specific to unfunded commitments is determined by estimating future draws and applying the expected loss rates on those draws. Future draws are based on historical averages of utilization rates (i.e., the likelihood of draws taken). The ACL for off balance sheet credit exposures is increased or decreased by charges or reductions to expense, through the provision for credit losses. During the quarter ended March 31, 2023, No. 2016 13 326. no March 31, 2023 Reclassifications. 2022 2023 not no

Note 2 - Earnings Per Share

Note 2 - Earnings Per Share	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 2 Earnings Per Share Earnings per share (“EPS”) consists of two two not three March 31, 2023 2022, 2008 2013 2018 The following table sets forth the composition of the weighted average shares (denominator) used in the basic and dilutive earnings per share computations. For the Three Months Ended March 31, 2023 2022 Net Income Attributable to Quaint Oak Bancorp, Inc. $ 563,000 $ 2,248,000 Weighted average shares outstanding – basic 2,182,597 2,013,638 Effect of dilutive common stock equivalents 89,932 123,484 Adjusted weighted average shares outstanding – diluted 2,272,530 2,137,122 Basic earnings per share $ 0.26 $ 1.12 Diluted earnings per share $ 0.25 $ 1.05

Note 3 - Accumulated Other Comp

Note 3 - Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 3 Accumulated Other Comprehensive Income (Loss) The following table presents the changes in accumulated other comprehensive income (loss) by component, net of tax, for the three March 31, 2023 2022 Unrealized (Losses) Gains on Investment Securities Available for Sale (1) For the Three Months Ended March 31, 2023 2022 Balance at the beginning of the period $ (24 ) $ 23 Total other comprehensive income (loss) 10 (21 ) Balance at the end of the period $ (14 ) $ 2 _________________ ( 1

Note 4 - Investment in Interest

Note 4 - Investment in Interest-earning Time Deposits	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Investments and Other Noncurrent Assets [Text Block]	Note 4 Investment in Interest-Earning Time Deposits The investment in interest-earning time deposits as of March 31, 2023 December 31, 2022, March 31, 2023 December 31, 2022 Due in one year or less $ 750 $ 2,541 Due after one year through five years 1,912 1,292 Total $ 2,662 $ 3,833

Note 5 - Investment Securities

Note 5 - Investment Securities Available for Sale	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 5 Investment Securities Available for Sale The amortized cost, gross unrealized gains and losses, and fair value of investment securities available for sale at March 31, 2023 December 31, 2022 March 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Government National Mortgage Association securities $ 2,757 $ - $ (17 ) $ 2,740 Federal National Mortgage Association securities 97 - (1 ) 96 Total available-for-sale-securities $ 2,854 $ - $ (18 ) $ 2,836 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Government National Mortgage Association securities $ 2,902 $ - $ (31 ) $ 2,871 Federal National Mortgage Association securities 98 1 - 99 Total available-for-sale-securities $ 3,000 $ 1 $ (31 ) $ 2,970 The amortized cost and fair value of mortgage-backed securities at March 31, 2023, may Available for Sale Amortized Cost Fair Value Due after ten years $ 2,854 $ 2,836 Total $ 2,854 $ 2,836 The following tables show the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at March 31, 2023 ( March 31, 2023 Less than Twelve Months Twelve Months or Greater Total Number of Securities Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Government National Mortgage Association securities 11 $ 2,740 $ (17 ) $ - $ - $ 2,740 $ (17 ) Federal National Mortgage Association securities 1 96 (1 ) - - 96 (1 ) Total 12 $ 2,836 $ (18 ) $ - $ - $ 2,836 $ (18 ) The following tables show the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2022 ( December 31, 2022 Less than Twelve Months Twelve Months or Greater Total Number of Securities Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Government National Mortgage Association securities 11 $ 2,871 $ (31 ) $ -- $ -- $ 2,871 $ (31 ) The Company’s mortgage-backed securities have contractual terms that generally do not not not not not not March 31, 2023. There were no impairment charges recognized during the three March 31, 2023 2022.

Note 6 - Loans Receivable, Net

Note 6 - Loans Receivable, Net and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Financing Receivables [Text Block]	Note 6 The composition of net loans receivable is as follows (in thousands): March 31, 2023 December 31, 2022 Real estate loans: One-to-four family residential: Owner occupied $ 18,080 $ 18,070 Non-owner occupied 38,181 39,315 Total one-to-four family residential 56,261 57,385 Multi-family (five or more) residential 47,632 46,909 Commercial real estate 339,226 333,540 Construction 39,204 28,938 Home equity 5,321 4,918 Total real estate loans 487,644 471,690 Commercial business (1) 153,901 159,069 Other consumer 14 2 Total Loans 641,559 630,761 Deferred loan fees and costs (1,075 ) (1,219 ) Allowance for credit losses (7,658 ) (7,678 ) Net Loans $ 632,826 $ 621,864 ( 1 March 31, 2023 December 31, 2022, The following table summarizes designated internal risk categories by portfolio segment and loan class, by origination year, as of March 31, 2023 ( Term Loans Amortized Cost by Origination Year As of March 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total One-to-four family residential owner occupied Risk rating Pass $ 524 $ 9,035 $ 3,553 $ 1,950 $ 575 $ 2,443 $ - $ 18,080 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total one-to-four family residential owner occupied $ 524 $ 9,035 $ 3,553 $ 1,950 $ 575 $ 2,443 $ - $ 18,080 One-to-four family residential non-owner occupied Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Risk rating Pass $ - $ 6,972 $ 9,267 $ 3,333 $ 933 $ 17,676 $ - $ 38,181 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total one-to-four family residential non-owner occupied $ - $ 6,972 $ 9,267 $ 3,333 $ 933 $ 17,676 $ - $ 38,181 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Term Loans Amortized Cost by Origination Year Revolving Loans Amortized Cost Basis As of March 31, 2023 2023 2022 2021 2020 2019 Prior Total Multi-family residential Risk rating Pass $ 972 $ 17,363 $ 13,155 $ 4,574 $ 603 $ 9,388 $ - $ 46,055 Special mention - - - - - - - - Substandard - - - - - 1,577 - 1,577 Doubtful - - - - - - - - Total multi-family residential $ 972 $ 17,363 $ 13,155 $ 4,574 $ 603 $ 10,965 $ - $ 47,632 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate Risk rating Pass $ 18,789 $ 158,332 $ 73,192 $ 22,984 $ 15,985 $ 49,009 $ 935 $ 339,226 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total commercial real estate $ 18,789 $ 158,332 $ 73,192 $ 22,984 $ 15,985 $ 49,009 $ 935 $ 339,226 Current period gross charge-offs $ - $ - $ - $ 134 $ - $ - $ - $ 134 Construction Risk rating Pass $ 3,874 $ 16,783 $ 12,653 $ 3,767 $ - $ - $ - $ 37,077 Special mention - - - - - 2,127 - 2,127 Substandard - - - - - - - - Doubtful - - - - - - - - Total construction $ 3,874 $ 16,783 $ 12,653 $ 3,767 $ - $ 2,127 $ - $ 39,204 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Home equity Risk rating Pass $ 500 $ 64 $ - $ - $ - $ 240 $ 4,517 $ 5,321 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total home equity $ 500 $ 64 $ - $ - $ - $ 240 $ 4,517 $ 5,321 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial business Risk rating Pass $ 3,921 $ 85,027 $ 35,262 $ 5,748 $ 7,273 $ 743 $ 9,806 $ 147,780 Special mention - 893 925 - - - 1,999 3,817 Substandard - - 739 - 1,242 323 - 2,304 Doubtful - - - - - - - - Total commercial business $ 3,921 $ 85,920 $ 36,926 $ 5,748 $ 8,515 $ 1,066 $ 11,805 $ 153,901 Current period gross charge-offs $ - $ - $ - $ 97 $ - $ - $ - 97 Other consumer Risk rating Pass $ 14 $ - $ - $ - $ - $ - $ - $ 14 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total other consumer $ 14 $ - $ - $ - $ - $ - $ - $ 14 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Total Risk rating Pass $ 28,594 $ 293,576 $ 147,082 $ 42,356 $ 25,369 $ 79,499 $ 15,258 $ 631,734 Special mention - 893 925 - - 2,127 1,999 5,944 Substandard - - 739 - 1,242 1,900 - 3,881 Doubtful - - - - - - - - Total $ 28,594 $ 294,469 $ 148,746 $ 42,356 $ 26,611 $ 83,526 $ 17,257 $ 641,559 Current period gross charge-offs $ - $ - $ - $ 231 $ - $ - $ - 231 The information presented in the table above is not 326. December 31, 2022 ( December 31, 2022 Pass Special Mention Substandard Doubtful Total One-to-four family residential owner occupied $ 17,663 $ 407 $ - $ - $ 18,070 One-to-four family residential non-owner occupied 39,315 - - - 39,315 Multi-family residential 45,201 - 1,708 - 46,909 Commercial real estate 333,406 - 134 - 333,540 Construction 28,938 - - - 28,938 Home equity 4,918 - - - 4,918 Commercial business 153,746 2,908 2,415 - 159,069 Other consumer 2 - - - 2 Total $ 623,189 $ 3,315 $ 4,257 $ - $ 630,761 The following table presents non-accrual loans by classes of the loan portfolio as of March 31, 2023 December 31, 2022 ( March 31, 2023 December 31, Non-accrual loans 2022 With a Related Allowance Without a Related Allowance Total 90 Days or More Past Due and Accruing Total Non- Performing Total Non- Accrual Loans One-to-four family residential owner occupied $ - $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied - - - - - - Multi-family residential 1,577 - 1,577 - $ 1,577 1,708 Commercial real estate - - - - - - Construction - - - - - - Home equity - - - - - - Commercial business - - - - - - Other consumer - - - - - - Total $ 1,577 $ - $ 1,577 - $ 1,577 $ 1,708 The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not December 31, 2022 December 31, 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to-four family residential owner occupied $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied 7 9 - 7 - Multi-family residential 1,708 1,722 - 1,708 - Commercial real estate 129 129 - 130 12 Construction - - - - - Home equity - - - - - Commercial business - - - - - Other consumer - - - - - With an allowance recorded: One-to-four family residential owner occupied $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied - - - - - Multi-family residential - - - - - Commercial real estate 134 134 118 136 9 Construction - - - - - Home equity - - - - - Commercial business 97 97 96 102 6 Other consumer - - - - - Total: One-to-four family residential owner occupied $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied 7 9 - 7 - Multi-family residential 1,708 1,722 - 1,708 - Commercial real estate 263 263 118 266 21 Construction - - - - - Home equity - - - - - Commercial business 97 97 96 102 6 Other consumer - - - - - Total $ 2,075 $ 2,091 $ 215 $ 2,083 $ 27 Prior to the adoption of ASU 2022 02, Financial Instruments Credit Losses (Topic 326 December 31, 2022, December 31, 2022. As of March 31, 2023, no may Following is a summary, by loan portfolio class, of changes in the allowance for credit losses for the three March 31, 2023 March 31, 2023 ( March 31, 2023 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 123 $ 295 $ 451 $ 3,750 $ 304 $ 33 $ 2,422 $ 300 $ 7,678 Impact of ASU - - - - - - - - - Charge-offs - - - (134 ) - - (97 ) - (231 ) Recoveries - - - - - - - - - Provision (1) 30 (39 ) (55 ) (249 ) 102 21 701 (300 ) 211 Ending balance $ 153 $ 256 $ 396 $ 3,367 $ 406 $ 54 $ 3,026 $ - $ 7,658 1. Provision included in the table only includes the portion related to loans receivable. The total provision for credit losses of $392,000 includes a provision of $181,000 for off balance sheet credit exposure, which is reflected in other liabilities on the balance sheet. The Bank allocated decreased allowance for credit loss provisions to the commercial real estate loan portfolio class for the three March 31, 2023, three March 31, 2023, three March 31, 2023, Following is a summary, by loan portfolio class, of changes in the allowance for credit losses for the year ended December 31, 2022 December 31, 2022 ( December 31, 2022 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 73 $ 292 $ 249 $ 2,475 $ 119 $ 29 $ 1,625 $ 400 $ 5,262 Charge-offs - - - - - - (59 ) - (59 ) Recoveries - - - - - - - - - Provision 50 3 202 1,275 185 4 856 (100 ) 2,475 Ending balance $ 123 $ 295 $ 451 $ 3,750 $ 304 $ 33 $ 2,422 $ 300 $ 7,678 Ending balance evaluated for impairment: Individually $ - $ - $ - $ 118 $ - $ - $ 97 $ - $ 215 Collectively $ 123 $ 295 $ 451 $ 3,632 $ 304 $ 33 2,325 $ 300 $ 7,463 Loans receivable: Ending balance $ 18,070 $ 39,315 $ 46,909 $ 333,540 $ 28,938 $ 4,918 $ 159,071 $ 630,761 Ending balance evaluated for impairment: Individually $ - $ 7 $ 1,708 $ 263 $ - $ - $ 97 $ 2,075 Collectively $ 18,070 $ 39,308 $ 45,201 $ 333,277 $ 28,938 $ 4,918 $ 158,974 $ 628,686 The Bank allocated increased allowance for credit loss provisions to the commercial real estate loan portfolio class for the year ended December 31, 2022, December 31, 2022, December 31, 2022, Following is a summary, by loan portfolio class, of changes in the allowance for credit losses for the three March 31, 2022 March 31, 2022 ( March 31, 2022 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 73 $ 292 $ 249 $ 2,475 $ 119 $ 29 $ 1,625 $ 400 $ 5,262 Charge-offs - - - - - - - - - Recoveries - - - - - - - - - Provision 26 13 215 162 13 (1 ) 251 - 679 Ending balance $ 99 $ 305 $ 464 $ 2,637 $ 132 $ 28 $ 1,876 $ 400 $ 5,941 Ending balance evaluated for impairment: Individually $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively $ 99 $ 305 $ 464 $ 2,637 $ 132 $ 28 $ 1,876 $ 400 $ 5,941 The Bank allocated increased allowance for credit loss provisions to the commercial business loan portfolio class for the three March 31, 2022, three March 31, 2022 three March 31, 2022, The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the past due status as of March 31, 2023 December 31, 2022 ( March 31, 2023 30-89 Days Past Due 90 Days or More Past Due and Accruing 90 Days or More Past Due and on Non-Accrual Current Total Loans Receivable One-to-four family residential owner occupied $ 406 $ - $ - $ 17,674 $ 18,080 One-to-four family residential non-owner occupied 69 - - 38,112 38,181 Multi-family residential - - 1,577 46,055 47,632 Commercial real estate 739 - - 338,487 339,226 Construction - - - 39,204 39,204 Home equity 38 - - 5,283 5,321 Commercial business - - - 153,901 153,901 Other consumer - - - 14 14 Total $ 1,252 $ ,- $ 1,577 $ 638,730 $ 641,559 The information presented in the table above is not 326. 326 December 31, 2022 ( December 31, 2022 30-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Loans Receivable 90 Days or More Past Due and Accruing One-to-four family residential owner occupied $ 407 $ - $ 407 $ 17,663 $ 18,070 $ - One-to-four family residential non-owner occupied 23 - 23 39,292 39,315 - Multi-family residential - 1,708 1,708 45,201 46,909 - Commercial real estate 2,895 134 3,029 330,511 333,540 - Construction 2,062 - 2,062 26,876 28,938 - Home equity 39 - 39 4,879 4,918 - Commercial business 10 97 107 158,962 159,069 51 Other consumer - - - 2 2 - Total $ 5,436 $ 1,939 $ 7,375 $ 623,386 $ 630,761 $ 51 Non-performing loans, which consist of non-accruing loans plus accruing loans 90 March 31, 2023 December 31, 2022. For the three March 31, 2023 December 31, 2022 three March 31, 2023. December 31, 2022.

Note 7 - Goodwill and Other Int

Note 7 - Goodwill and Other Intangible, Net	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 7 Goodwill and Other Intangible, Net On January 4, 2021, second August 1, 2016, ten March 31, 2023 three March 31, 2023 2022

Note 8 - Deposits

Note 8 - Deposits	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 8 Deposits Deposits consist of the following classifications (in thousands): March 31, 2023 December 31, 2022 Non-interest bearing checking accounts $ 95,214 $ 88,728 Savings accounts 1,536 1,597 Money market accounts 243,003 260,972 Certificates of deposit 214,691 197,951 Total deposits $ 554,444 $ 549,248

Note 9 - Borrowings

Note 9 - Borrowings	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Debt Disclosure [Text Block]	Note 9 Borrowings Federal Home Loan Bank advances consist of the following at March 31, 2023 December 31, 2022 ( March 31, 2023 December 31, 2022 Amount Weighted Interest Rate Amount Weighted Interest Rate Short-term borrowings $ 113,200 5.15 % $ 93,200 4.45 % Fixed rate borrowings maturing: 2023 37,000 2.34 57,000 2.22 2024 6,167 2.05 6,167 2.05 2025 2,855 1.25 2,855 1.25 Total FHLB long-term debt $ 46,022 2.23 % $ 66,022 2.16 % Federal Home Loan Bank (FHLB) borrowings totaled $159.2 million at March 31, 2023 December 31, 2022. three March 31, 2023, March 31, 2023 On December 27, 2018, December 31, 2028, first five five may, December 31, 2023, On March 2, 2023, March 15, 2025 ( March 16, 2023, The Notes bear interest at a fixed annual rate of 8.50%, payable semi-annually in arrears on March 15 September 15 September 15, 2023. March 15, 2025. March 15, 2024, 100% The balance of subordinated debt, net of unamortized debt issuance costs, was $21.7 million at March 31, 2023 December 31, 2022. Other borrowings increased $5.6 million, or 102.5%, to $11.1 million at March 31, 2023 December 31, 2022. two two March 31, 2023.

Note 10 - Stock Compensation Pl

Note 10 - Stock Compensation Plans	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 10 Stock Compensation Plans Employee Stock Ownership Plan The Company maintains an Employee Stock Ownership Plan (ESOP) for the benefit of employees who meet the eligibility requirements of the plan. The Bank may During the quarter ended March 31, 2023, not During the quarter ended March 31, 2022, three March 31, 2022, Stock Incentive Plans – Share Awards In May 2013, 2013 “2013 2013 March 13, 2023, five May 9, 2023. In May 2018, 2018 “2018 2018 May 2018 may As of March 31, 2023 2013 2018 2018 2013 2018 five A summary of share award activity under the Company’s 2013 2018 March 31, 2023 2022 three March 31, 2023 2022 March 31, 2023 2023 2022 Number of Shares Weighted Average Grant Date Fair Value Number of Shares Weighted Average Grant Date Fair Value Unvested at the beginning of the period 9,122 $ 13.30 18,845 $ 13.30 Granted - - - - Vested - - - - Forfeited - - - - Unvested at the end of the period 9,122 $ 13.30 18,845 $ 13.30 Compensation expense on the restricted stock awards is recognized ratably over the five three March 31, 2023 2022, three March 31, 2023 2022, March 31, 2023, In May 2008, 2008 no February 13, 2018, 2013 10 May 8, 2023. 2013 May 2013 may 2013 March 13, 2023, ten 2018 May 2018 may All incentive stock options issued under the Option Plan and the 2013 2018 422 five ten As of March 31, 2023, 2013 2018 2018 five ten Stock Option and Stock Incentive Plans – Stock Options A summary of option activity under the Company’s Option Plan and 2013 2018 three March 31, 2023 2022 three March 31, 2023 2022 March 31, 2023 2022 Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Outstanding at the beginning of the period 195,936 $ 11.24 3.5 233,136 $ 10.96 4.2 Granted - - - - - - Exercised (23,000 ) 8.10 - (1,000 ) 13.30 - Forfeited - - - - - - Outstanding at end of period 172,936 $ 11.66 3.7 232,136 $ 10.95 4.1 Exercisable at end of period 147,009 $ 10.62 6.5 179,081 $ 10.26 5.6 During both the three March 31, 2023 2022, March 31, 2023,

Note 11 - Fair Value Measuremen

Note 11 - Fair Value Measurements and Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 11 Fair Value Measurements and Fair Values of Financial Instruments Fair value estimates are based on quoted market prices, if available, quoted market prices of similar assets or liabilities, or the present value of expected future cash flows and other valuation techniques. These valuations are significantly affected by discount rates, cash flow assumptions, and risk assumptions used. Therefore, fair values estimates may not not may Fair value is determined at one not not not not The following disclosures show the hierarchal disclosure framework associated with the level of pricing observations utilized in measuring assets and liabilities at fair value. The three Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Valuations derived from valuation techniques in which one This hierarchy requires the use of observable market data when available. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 19 2022 10 3 The following is a discussion of assets and liabilities measured at fair value on a recurring and non-recurring basis and valuation techniques applied: Investment Securities Available For Sale: 2 We may Non-performing loans: 3 The table below sets forth the financial assets and liabilities that were accounted for on a recurring and nonrecurring basis by level within the fair value hierarchy as of March 31, 2023 ( March 31, 2023 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements: Investment securities available for sale Government National Mortgage Association mortgage-backed securities $ 2,740 $ - $ 2,740 $ - Federal National Mortgage Association mortgage- backed securities 96 - 96 - Total investment securities available for sale $ 2,836 $ - $ 2,836 $ - Total recurring fair value measurements $ 2,836 $ - $ 2,836 $ - Nonrecurring fair value measurements Collateral-dependent loans $ 1,577 $ - $ - $ 1,577 Total nonrecurring fair value measurements $ 1,577 $ - $ - $ 1,577 The table below sets forth the financial assets and liabilities that were accounted for on a recurring and nonrecurring basis by level within the fair value hierarchy as of December 31, 2022 ( December 31, 2022 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements: Investment securities available for sale Government National Mortgage Association mortgage-backed securities $ 2,871 $ - $ 2,871 $ - Federal National Mortgage Association mortgage- backed securities 99 - 99 - Total investment securities available for sale $ 2,970 $ - $ 2,970 $ - Total recurring fair value measurements $ 2,970 $ - $ 2,970 $ - Nonrecurring fair value measurements Impaired loans $ 1,860 $ - $ - $ 1,860 Total nonrecurring fair value measurements $ 1,860 $ - $ - $ 1,860 The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has used Level 3 March 31, 2023 December 31, 2022 ( March 31, 2023 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Collateral-dependent loans $ 1,577 Appraisal of collateral (1) Appraisal adjustments (2) 8% (8%) December 31, 2022 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans $ 1,860 Appraisal of collateral (1) Appraisal adjustments (2) 10% (10%) ______________________ ( 1 Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 ( 2 Appraisals may The estimated fair values of the Company’s financial instruments that are not March 31, 2023 December 31, 2022 Fair Value Measurements at March 31, 2023 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 2,662 $ 2,742 $ - $ - $ 2,742 Loans held for sale 141,206 145,046 - 145,046 - Loans receivable, net 632,826 610,989 - - 610,989 Financial Liabilities Deposits 554,444 558,001 339,753 - 218,248 FHLB long-term borrowings 46,022 45,881 - - 45,881 Subordinated debt 21,739 21,165 - - 21,165 Fair Value Measurements at December 31, 2022 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 3,833 $ 3,907 $ - $ - $ 3,907 Loans held for sale 133,222 137,253 - 137,253 - Loans receivable, net 621,864 600,186 - - 600,186 Financial Liabilities Deposits 549,248 551,157 351,297 - 199,860 FHLB long-term borrowings 66,022 65,846 - - 65,846 FRB long-term borrowings 7,000 6,981 - - 6,981 Subordinated debt 7,966 7,886 - - 7,886 For cash and cash equivalents, accrued interest receivable, investment in FHLB stock, bank-owned life insurance, FHLB short-term borrowings, accrued interest payable, and advances from borrowers for taxes and insurance, the carrying value is a reasonable estimate of the fair value and are considered Level 1

Note 12 - Operating Segments

Note 12 - Operating Segments	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	Note 12 Operating Segments The Company's operations currently consist of two two The Banking Segment generates its revenues primarily from its lending, deposit gathering and fee business activities. The profitability of this segment's operations depends primarily on its net interest income after provision for credit losses, which is the difference between interest earned on interest earning assets and interest paid on interest bearing liabilities less provision for credit losses. The provision for credit losses is almost entirely dependent on changes in the Banking Segment's loan and investment portfolio and management’s assessment of the collectability of the loan and investment portfolio as well as prevailing economic and market conditions. The profitability of this segment’s operations also depends on the generation of non-interest income which includes fees and commissions generated by Quaint Oak Bank and its wholly-owned subsidiaries, Quaint Oak Mortgage, LLC, Quaint Oak Real Estate, LLC, Quaint Oak Abstract, LLC, Quaint Oak Insurance Agency, LLC, and Oakmont Commercial, LLC, which are included in the Banking Segment for segment reporting purposes. The Banking Segment is also subject to an extensive system of laws and regulations that are intended primarily for the protection of depositors and other customers, federal deposit insurance funds and the banking system as a whole. These laws and regulations govern such areas as capital, permissible activities, allowance for loan and lease losses, loans and investments, and rates of interest that can be charged on loans. For segment reporting purposes, Quaint Oak Bancorp, Inc. is included as part of the Company’s Banking segment. The Oakmont Capital Holdings, LLC Segment originates equipment loans which are generally sold to third The following table presents summary financial information for the reportable segments (in thousands): As of or for the Three Months Ended March 31, 2023 2022 Quaint Oak Bank(1) Oakmont Capital Holdings, LLC Consolidated Quaint Oak Bank(1) Oakmont Capital Holdings, LLC Consolidated Net Interest Income (Loss) $ 5,596 $ (287 ) $ 5,309 $ 5,501 $ (23 ) $ 5,478 Provision for Credit Losses 392 - 392 679 - 679 Net Interest Income (Loss) after Provision for Credit Losses 5,204 (287 ) 4,917 4,822 (23 ) 4,799 Non-Interest Income Mortgage banking, equipment lending and title abstract fees 137 669 806 204 433 637 Real estate sales commissions, net 24 - 24 61 - 61 Insurance commissions 136 - 136 116 - 116 Other fees and services charges 98 133 231 149 17 166 Net loan servicing income 143 1,086 1,229 5 160 165 Income from bank-owned life insurance 24 - 24 21 - 21 Net gain on loans held for sale 391 489 880 1,038 3,172 4,210 Gain on the sale of SBA loans 50 - 50 133 - 133 Total Non-Interest Income 1,003 2,377 3,380 1,727 3,782 5,509 Non-Interest Expense Salaries and employee benefits 3,576 1,766 5,342 3,238 1,353 4,591 Directors’ fees and expenses 105 - 105 71 - 71 Occupancy and equipment 342 185 527 308 112 420 Data processing 217 - 217 197 - 197 Professional fees 148 27 175 171 13 184 FDIC deposit insurance assessment 232 - 232 116 - 116 Advertising 83 216 299 85 123 208 Amortization of other intangible 12 - 12 12 - 12 Other 593 128 721 299 85 384 Total Non-Interest Expense 5,308 2,322 7,630 4,497 1,686 6,183 Pretax Segment Profit (Loss) $ 899 $ (232 ) $ 667 $ 2,052 $ 2,073 $ 4,125 Net (Loss) Income Attributable to Noncontrolling Interest $ (114 ) $ - $ (114 ) $ 1,016 $ - $ 1,016 Segment Assets $ 767,307 $ 44,293 $ 811,600 $ 514,970 $ 20,896 $ 535,866 ( 1 Includes Quaint Oak Bancorp, Inc. and the Bank’s subsidiaries, Quaint Oak Mortgage, Quaint Oak Real Estate, Quaint Oak Abstract, Quaint Oak Insurance Agency, QOB Properties, and Oakmont Commercial.

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2023
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Financial Presentation. March 31, 2023, six July 2009. February, 2019, July 2012 August 2016 October 2021 January 4, 2021, second The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. Pursuant to the Bank’s election under Section 10 three The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (US GAAP) for interim information and with the instructions to Form 10 not The foregoing consolidated financial statements are unaudited; but in the opinion of management include all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation thereof. The balances as of December 31, 2022 2022 10 three March 31, 2023 not may December 31, 2023.
Use of Estimates, Policy [Policy Text Block]	Use of Estimates in the Preparation of Financial Statements.
Critical Accounting Policy [Policy Text Block]	Critical Accounting Policies. March 31, 2023, No. 2016 13 326. no March 31, 2023
New Accounting Pronouncements, Policy [Policy Text Block]	Accounting Pronouncements Recently Adopted. January 2020, 2020 04, 848 March 2020, not not one December 31, 2022. December 2022, 2022 06, Reference Rate Reform (Topic 848 848 848 December 31, 2024. two 848 2022 06 not In January 2021, 2021 01, 848 848. 2021 01 848. 2021 01 may March 12, 2020, not December 31, 2022, December 31, 2022, December 31, 2022, not In January 2017, 2017 04, 2 2, not December 15, 2019. November 2019, 2019 10, 326 815 842 350, December 15, 2022, not In March 2022, 2022 02, 326 326 326 2016 13 December 15, 2022. The Company adopted ASU 326 January 1, 2023 326, January 1, 2023 326. The following table presents the impact of adopting ASU 2016 13 January 1, 2023 ( As Reported Under ASC 326 Impact of ASC 326 Adoption Prior to Adopting ASC 326 Allowance for credit losses - loans Real estate loans: One-to-four family residential: Owner occupied $ 123 $ - $ 123 Non-owner occupied 295 - 295 Total one-to-four family residential 418 - 418 Multi-family (five or more) residential 451 - 451 Commercial real estate 3,750 - 3,750 Construction 304 - 304 Home equity 33 - 33 Total real estate loans 4,956 - 4,956 Commercial business and other consumer 2,422 - 2,422 Unallocated 300 - 300 Total allowance for credit losses 7,678 - 7,678 Allowance for credit losses - unfunded commitments Reserve for unfunded commitments 27 - 27 Total $ 7,705 $ - $ 7,705 Loans are stated at their principal amount outstanding, except for loans held for sale, which are carried at fair value. Interest income on loans is accrued as earned. In general, loans are placed on non-accrual status once they become 90 may 90 not may six A loan that is 90 may one Loans deemed to be a loss are written off through a charge against the allowance for credit losses (ACL). All loans are evaluated for possible charge-off when it is probable that the balance will not Loan Origination Fees and Costs. Allowance for Credit Losses. 326 January 1, 2023. 2022 10 The Company has elected to exclude accrued interest receivable from the measurement of its ACL. When a loan is placed on non-accrual status, any outstanding accrued interest is reversed against interest income. Loans. two 1 2 326 Loans Evaluated Collectively. Loans Evaluated Individually. Loans evaluated individually may one no may Management regularly reviews loans in the portfolio to assess credit quality indicators and to determine appropriate loan classification. For all loans, an internal risk rating process is used. The Company believes that internal risk ratings are the most relevant credit quality indicator for these types of loans. The migration of loans through the various internal risk rating categories is a significant component of the ACL methodology for these loans, which bases the probability of default on this migration. Assigning risk ratings involves judgment. Risk ratings may The following is a summary of the Company's internal risk rating categories: ● Pass: These loans do not ● Special Mention: These loans have a heightened credit risk, but not ● Substandard or Lower: These loans are inadequately protected by current sound worth and paying capacity of the borrower. There exists a well-defined weakness or weaknesses that jeopardize the normal repayment of the debt. The allocation of the ACL is reviewed to evaluate its appropriateness in relation to the overall risk profile of the loan portfolio. The Company considers risk factors such as: local and national economic conditions; trends in delinquencies and non-accrual loans; the diversity of borrower industry types; and the composition of the portfolio by loan type. Qualitative and Other Adjustments to Allowance for Credit Losses: In addition to the quantitative credit loss estimates for loans evaluated collectively, qualitative factors that may not not not Off Balance Sheet Credit Exposures: The ACL for off balance sheet credit exposures is recorded in other liabilities on the Consolidated Balance Sheet. This ACL represents management’s estimate of expected losses in its unfunded loan commitments and other off balance sheet credit exposures, such as letters of credit and credit recourse on sold residential mortgage loans. The allowance for credit losses specific to unfunded commitments is determined by estimating future draws and applying the expected loss rates on those draws. Future draws are based on historical averages of utilization rates (i.e., the likelihood of draws taken). The ACL for off balance sheet credit exposures is increased or decreased by charges or reductions to expense, through the provision for credit losses. During the quarter ended March 31, 2023, No. 2016 13 326. no March 31, 2023
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications. 2022 2023 not no

Note 1 - Financial Statement _2

Note 1 - Financial Statement Presentation and Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Accounting Standards Update and Change in Accounting Principle [Table Text Block]	As Reported Under ASC 326 Impact of ASC 326 Adoption Prior to Adopting ASC 326 Allowance for credit losses - loans Real estate loans: One-to-four family residential: Owner occupied $ 123 $ - $ 123 Non-owner occupied 295 - 295 Total one-to-four family residential 418 - 418 Multi-family (five or more) residential 451 - 451 Commercial real estate 3,750 - 3,750 Construction 304 - 304 Home equity 33 - 33 Total real estate loans 4,956 - 4,956 Commercial business and other consumer 2,422 - 2,422 Unallocated 300 - 300 Total allowance for credit losses 7,678 - 7,678 Allowance for credit losses - unfunded commitments Reserve for unfunded commitments 27 - 27 Total $ 7,705 $ - $ 7,705

Note 2 - Earnings Per Share (Ta

Note 2 - Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended March 31, 2023 2022 Net Income Attributable to Quaint Oak Bancorp, Inc. $ 563,000 $ 2,248,000 Weighted average shares outstanding – basic 2,182,597 2,013,638 Effect of dilutive common stock equivalents 89,932 123,484 Adjusted weighted average shares outstanding – diluted 2,272,530 2,137,122 Basic earnings per share $ 0.26 $ 1.12 Diluted earnings per share $ 0.25 $ 1.05

Note 3 - Accumulated Other Co_2

Note 3 - Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Unrealized (Losses) Gains on Investment Securities Available for Sale (1) For the Three Months Ended March 31, 2023 2022 Balance at the beginning of the period $ (24 ) $ 23 Total other comprehensive income (loss) 10 (21 ) Balance at the end of the period $ (14 ) $ 2

Note 4 - Investment in Intere_2

Note 4 - Investment in Interest-earning Time Deposits (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Investments in Interest-Earning Time Deposits by Contractual Maturity [Table Text Block]	March 31, 2023 December 31, 2022 Due in one year or less $ 750 $ 2,541 Due after one year through five years 1,912 1,292 Total $ 2,662 $ 3,833

Note 5 - Investment Securitie_2

Note 5 - Investment Securities Available for Sale (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	March 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Government National Mortgage Association securities $ 2,757 $ - $ (17 ) $ 2,740 Federal National Mortgage Association securities 97 - (1 ) 96 Total available-for-sale-securities $ 2,854 $ - $ (18 ) $ 2,836 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Available for Sale: Mortgage-backed securities: Government National Mortgage Association securities $ 2,902 $ - $ (31 ) $ 2,871 Federal National Mortgage Association securities 98 1 - 99 Total available-for-sale-securities $ 3,000 $ 1 $ (31 ) $ 2,970
Investments Classified by Contractual Maturity Date [Table Text Block]	Available for Sale Amortized Cost Fair Value Due after ten years $ 2,854 $ 2,836 Total $ 2,854 $ 2,836
Schedule of Unrealized Loss on Investments [Table Text Block]	March 31, 2023 Less than Twelve Months Twelve Months or Greater Total Number of Securities Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Government National Mortgage Association securities 11 $ 2,740 $ (17 ) $ - $ - $ 2,740 $ (17 ) Federal National Mortgage Association securities 1 96 (1 ) - - 96 (1 ) Total 12 $ 2,836 $ (18 ) $ - $ - $ 2,836 $ (18 ) December 31, 2022 Less than Twelve Months Twelve Months or Greater Total Number of Securities Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Government National Mortgage Association securities 11 $ 2,871 $ (31 ) $ -- $ -- $ 2,871 $ (31 )

Note 6 - Loans Receivable, Ne_2

Note 6 - Loans Receivable, Net and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, 2023 December 31, 2022 Real estate loans: One-to-four family residential: Owner occupied $ 18,080 $ 18,070 Non-owner occupied 38,181 39,315 Total one-to-four family residential 56,261 57,385 Multi-family (five or more) residential 47,632 46,909 Commercial real estate 339,226 333,540 Construction 39,204 28,938 Home equity 5,321 4,918 Total real estate loans 487,644 471,690 Commercial business (1) 153,901 159,069 Other consumer 14 2 Total Loans 641,559 630,761 Deferred loan fees and costs (1,075 ) (1,219 ) Allowance for credit losses (7,658 ) (7,678 ) Net Loans $ 632,826 $ 621,864
Financing Receivable, Internal Risk Categories [Table Text Block]	Term Loans Amortized Cost by Origination Year As of March 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total One-to-four family residential owner occupied Risk rating Pass $ 524 $ 9,035 $ 3,553 $ 1,950 $ 575 $ 2,443 $ - $ 18,080 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total one-to-four family residential owner occupied $ 524 $ 9,035 $ 3,553 $ 1,950 $ 575 $ 2,443 $ - $ 18,080 One-to-four family residential non-owner occupied Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Risk rating Pass $ - $ 6,972 $ 9,267 $ 3,333 $ 933 $ 17,676 $ - $ 38,181 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total one-to-four family residential non-owner occupied $ - $ 6,972 $ 9,267 $ 3,333 $ 933 $ 17,676 $ - $ 38,181 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Term Loans Amortized Cost by Origination Year Revolving Loans Amortized Cost Basis As of March 31, 2023 2023 2022 2021 2020 2019 Prior Total Multi-family residential Risk rating Pass $ 972 $ 17,363 $ 13,155 $ 4,574 $ 603 $ 9,388 $ - $ 46,055 Special mention - - - - - - - - Substandard - - - - - 1,577 - 1,577 Doubtful - - - - - - - - Total multi-family residential $ 972 $ 17,363 $ 13,155 $ 4,574 $ 603 $ 10,965 $ - $ 47,632 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate Risk rating Pass $ 18,789 $ 158,332 $ 73,192 $ 22,984 $ 15,985 $ 49,009 $ 935 $ 339,226 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total commercial real estate $ 18,789 $ 158,332 $ 73,192 $ 22,984 $ 15,985 $ 49,009 $ 935 $ 339,226 Current period gross charge-offs $ - $ - $ - $ 134 $ - $ - $ - $ 134 Construction Risk rating Pass $ 3,874 $ 16,783 $ 12,653 $ 3,767 $ - $ - $ - $ 37,077 Special mention - - - - - 2,127 - 2,127 Substandard - - - - - - - - Doubtful - - - - - - - - Total construction $ 3,874 $ 16,783 $ 12,653 $ 3,767 $ - $ 2,127 $ - $ 39,204 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Home equity Risk rating Pass $ 500 $ 64 $ - $ - $ - $ 240 $ 4,517 $ 5,321 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total home equity $ 500 $ 64 $ - $ - $ - $ 240 $ 4,517 $ 5,321 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial business Risk rating Pass $ 3,921 $ 85,027 $ 35,262 $ 5,748 $ 7,273 $ 743 $ 9,806 $ 147,780 Special mention - 893 925 - - - 1,999 3,817 Substandard - - 739 - 1,242 323 - 2,304 Doubtful - - - - - - - - Total commercial business $ 3,921 $ 85,920 $ 36,926 $ 5,748 $ 8,515 $ 1,066 $ 11,805 $ 153,901 Current period gross charge-offs $ - $ - $ - $ 97 $ - $ - $ - 97 Other consumer Risk rating Pass $ 14 $ - $ - $ - $ - $ - $ - $ 14 Special mention - - - - - - - - Substandard - - - - - - - - Doubtful - - - - - - - - Total other consumer $ 14 $ - $ - $ - $ - $ - $ - $ 14 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Total Risk rating Pass $ 28,594 $ 293,576 $ 147,082 $ 42,356 $ 25,369 $ 79,499 $ 15,258 $ 631,734 Special mention - 893 925 - - 2,127 1,999 5,944 Substandard - - 739 - 1,242 1,900 - 3,881 Doubtful - - - - - - - - Total $ 28,594 $ 294,469 $ 148,746 $ 42,356 $ 26,611 $ 83,526 $ 17,257 $ 641,559 Current period gross charge-offs $ - $ - $ - $ 231 $ - $ - $ - 231
Financing Receivable Credit Quality Indicators [Table Text Block]	December 31, 2022 Pass Special Mention Substandard Doubtful Total One-to-four family residential owner occupied $ 17,663 $ 407 $ - $ - $ 18,070 One-to-four family residential non-owner occupied 39,315 - - - 39,315 Multi-family residential 45,201 - 1,708 - 46,909 Commercial real estate 333,406 - 134 - 333,540 Construction 28,938 - - - 28,938 Home equity 4,918 - - - 4,918 Commercial business 153,746 2,908 2,415 - 159,069 Other consumer 2 - - - 2 Total $ 623,189 $ 3,315 $ 4,257 $ - $ 630,761
Financing Receivable, Nonaccrual [Table Text Block]	March 31, 2023 December 31, Non-accrual loans 2022 With a Related Allowance Without a Related Allowance Total 90 Days or More Past Due and Accruing Total Non- Performing Total Non- Accrual Loans One-to-four family residential owner occupied $ - $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied - - - - - - Multi-family residential 1,577 - 1,577 - $ 1,577 1,708 Commercial real estate - - - - - - Construction - - - - - - Home equity - - - - - - Commercial business - - - - - - Other consumer - - - - - - Total $ 1,577 $ - $ 1,577 - $ 1,577 $ 1,708
Impaired Financing Receivables [Table Text Block]	December 31, 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to-four family residential owner occupied $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied 7 9 - 7 - Multi-family residential 1,708 1,722 - 1,708 - Commercial real estate 129 129 - 130 12 Construction - - - - - Home equity - - - - - Commercial business - - - - - Other consumer - - - - - With an allowance recorded: One-to-four family residential owner occupied $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied - - - - - Multi-family residential - - - - - Commercial real estate 134 134 118 136 9 Construction - - - - - Home equity - - - - - Commercial business 97 97 96 102 6 Other consumer - - - - - Total: One-to-four family residential owner occupied $ - $ - $ - $ - $ - One-to-four family residential non-owner occupied 7 9 - 7 - Multi-family residential 1,708 1,722 - 1,708 - Commercial real estate 263 263 118 266 21 Construction - - - - - Home equity - - - - - Commercial business 97 97 96 102 6 Other consumer - - - - - Total $ 2,075 $ 2,091 $ 215 $ 2,083 $ 27
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	March 31, 2023 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 123 $ 295 $ 451 $ 3,750 $ 304 $ 33 $ 2,422 $ 300 $ 7,678 Impact of ASU - - - - - - - - - Charge-offs - - - (134 ) - - (97 ) - (231 ) Recoveries - - - - - - - - - Provision (1) 30 (39 ) (55 ) (249 ) 102 21 701 (300 ) 211 Ending balance $ 153 $ 256 $ 396 $ 3,367 $ 406 $ 54 $ 3,026 $ - $ 7,658 December 31, 2022 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 73 $ 292 $ 249 $ 2,475 $ 119 $ 29 $ 1,625 $ 400 $ 5,262 Charge-offs - - - - - - (59 ) - (59 ) Recoveries - - - - - - - - - Provision 50 3 202 1,275 185 4 856 (100 ) 2,475 Ending balance $ 123 $ 295 $ 451 $ 3,750 $ 304 $ 33 $ 2,422 $ 300 $ 7,678 Ending balance evaluated for impairment: Individually $ - $ - $ - $ 118 $ - $ - $ 97 $ - $ 215 Collectively $ 123 $ 295 $ 451 $ 3,632 $ 304 $ 33 2,325 $ 300 $ 7,463 Loans receivable: Ending balance $ 18,070 $ 39,315 $ 46,909 $ 333,540 $ 28,938 $ 4,918 $ 159,071 $ 630,761 Ending balance evaluated for impairment: Individually $ - $ 7 $ 1,708 $ 263 $ - $ - $ 97 $ 2,075 Collectively $ 18,070 $ 39,308 $ 45,201 $ 333,277 $ 28,938 $ 4,918 $ 158,974 $ 628,686 March 31, 2022 1-4 Family Residential Owner Occupied 1-4 Family Residential Non-Owner Occupied Multi-Family Residential Commercial Real Estate Construction Home Equity Commercial Business and Other Consumer Unallocated Total Allowance for credit losses: Beginning balance $ 73 $ 292 $ 249 $ 2,475 $ 119 $ 29 $ 1,625 $ 400 $ 5,262 Charge-offs - - - - - - - - - Recoveries - - - - - - - - - Provision 26 13 215 162 13 (1 ) 251 - 679 Ending balance $ 99 $ 305 $ 464 $ 2,637 $ 132 $ 28 $ 1,876 $ 400 $ 5,941 Ending balance evaluated for impairment: Individually $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively $ 99 $ 305 $ 464 $ 2,637 $ 132 $ 28 $ 1,876 $ 400 $ 5,941
Financing Receivable, Past Due [Table Text Block]	March 31, 2023 30-89 Days Past Due 90 Days or More Past Due and Accruing 90 Days or More Past Due and on Non-Accrual Current Total Loans Receivable One-to-four family residential owner occupied $ 406 $ - $ - $ 17,674 $ 18,080 One-to-four family residential non-owner occupied 69 - - 38,112 38,181 Multi-family residential - - 1,577 46,055 47,632 Commercial real estate 739 - - 338,487 339,226 Construction - - - 39,204 39,204 Home equity 38 - - 5,283 5,321 Commercial business - - - 153,901 153,901 Other consumer - - - 14 14 Total $ 1,252 $ ,- $ 1,577 $ 638,730 $ 641,559 December 31, 2022 30-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total Loans Receivable Loans Receivable 90 Days or More Past Due and Accruing One-to-four family residential owner occupied $ 407 $ - $ 407 $ 17,663 $ 18,070 $ - One-to-four family residential non-owner occupied 23 - 23 39,292 39,315 - Multi-family residential - 1,708 1,708 45,201 46,909 - Commercial real estate 2,895 134 3,029 330,511 333,540 - Construction 2,062 - 2,062 26,876 28,938 - Home equity 39 - 39 4,879 4,918 - Commercial business 10 97 107 158,962 159,069 51 Other consumer - - - 2 2 - Total $ 5,436 $ 1,939 $ 7,375 $ 623,386 $ 630,761 $ 51

Note 8 - Deposits (Tables)

Note 8 - Deposits (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Deposit Liabilities, Type [Table Text Block]	March 31, 2023 December 31, 2022 Non-interest bearing checking accounts $ 95,214 $ 88,728 Savings accounts 1,536 1,597 Money market accounts 243,003 260,972 Certificates of deposit 214,691 197,951 Total deposits $ 554,444 $ 549,248

Note 9 - Borrowings (Tables)

Note 9 - Borrowings (Tables)	3 Months Ended
	Mar. 31, 2023
Federal Home Loan Bank Advances [Member]
Notes Tables
Schedule of Long-Term Debt Instruments [Table Text Block]	March 31, 2023 December 31, 2022 Amount Weighted Interest Rate Amount Weighted Interest Rate Short-term borrowings $ 113,200 5.15 % $ 93,200 4.45 % Fixed rate borrowings maturing: 2023 37,000 2.34 57,000 2.22 2024 6,167 2.05 6,167 2.05 2025 2,855 1.25 2,855 1.25 Total FHLB long-term debt $ 46,022 2.23 % $ 66,022 2.16 %

Note 10 - Stock Compensation _2

Note 10 - Stock Compensation Plans (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Share-Based Payment Arrangement, Activity [Table Text Block]	March 31, 2023 2023 2022 Number of Shares Weighted Average Grant Date Fair Value Number of Shares Weighted Average Grant Date Fair Value Unvested at the beginning of the period 9,122 $ 13.30 18,845 $ 13.30 Granted - - - - Vested - - - - Forfeited - - - - Unvested at the end of the period 9,122 $ 13.30 18,845 $ 13.30
Share-Based Payment Arrangement, Option, Activity [Table Text Block]	March 31, 2023 2022 Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Outstanding at the beginning of the period 195,936 $ 11.24 3.5 233,136 $ 10.96 4.2 Granted - - - - - - Exercised (23,000 ) 8.10 - (1,000 ) 13.30 - Forfeited - - - - - - Outstanding at end of period 172,936 $ 11.66 3.7 232,136 $ 10.95 4.1 Exercisable at end of period 147,009 $ 10.62 6.5 179,081 $ 10.26 5.6

Note 11 - Fair Value Measurem_2

Note 11 - Fair Value Measurements and Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]	March 31, 2023 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements: Investment securities available for sale Government National Mortgage Association mortgage-backed securities $ 2,740 $ - $ 2,740 $ - Federal National Mortgage Association mortgage- backed securities 96 - 96 - Total investment securities available for sale $ 2,836 $ - $ 2,836 $ - Total recurring fair value measurements $ 2,836 $ - $ 2,836 $ - Nonrecurring fair value measurements Collateral-dependent loans $ 1,577 $ - $ - $ 1,577 Total nonrecurring fair value measurements $ 1,577 $ - $ - $ 1,577 December 31, 2022 Fair Value Measurements Using: Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Recurring fair value measurements: Investment securities available for sale Government National Mortgage Association mortgage-backed securities $ 2,871 $ - $ 2,871 $ - Federal National Mortgage Association mortgage- backed securities 99 - 99 - Total investment securities available for sale $ 2,970 $ - $ 2,970 $ - Total recurring fair value measurements $ 2,970 $ - $ 2,970 $ - Nonrecurring fair value measurements Impaired loans $ 1,860 $ - $ - $ 1,860 Total nonrecurring fair value measurements $ 1,860 $ - $ - $ 1,860
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	March 31, 2023 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Collateral-dependent loans $ 1,577 Appraisal of collateral (1) Appraisal adjustments (2) 8% (8%) December 31, 2022 Quantitative Information About Level 3 Fair Value Measurements Total Fair Value Valuation Techniques Unobservable Input Range (Weighted Average) Impaired loans $ 1,860 Appraisal of collateral (1) Appraisal adjustments (2) 10% (10%)
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at March 31, 2023 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 2,662 $ 2,742 $ - $ - $ 2,742 Loans held for sale 141,206 145,046 - 145,046 - Loans receivable, net 632,826 610,989 - - 610,989 Financial Liabilities Deposits 554,444 558,001 339,753 - 218,248 FHLB long-term borrowings 46,022 45,881 - - 45,881 Subordinated debt 21,739 21,165 - - 21,165 Fair Value Measurements at December 31, 2022 Carrying Amount Fair Value Estimate Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Unobservable Inputs (Level 3) Financial Assets Investment in interest-earning time deposits $ 3,833 $ 3,907 $ - $ - $ 3,907 Loans held for sale 133,222 137,253 - 137,253 - Loans receivable, net 621,864 600,186 - - 600,186 Financial Liabilities Deposits 549,248 551,157 351,297 - 199,860 FHLB long-term borrowings 66,022 65,846 - - 65,846 FRB long-term borrowings 7,000 6,981 - - 6,981 Subordinated debt 7,966 7,886 - - 7,886

Note 12 - Operating Segments (T

Note 12 - Operating Segments (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	As of or for the Three Months Ended March 31, 2023 2022 Quaint Oak Bank(1) Oakmont Capital Holdings, LLC Consolidated Quaint Oak Bank(1) Oakmont Capital Holdings, LLC Consolidated Net Interest Income (Loss) $ 5,596 $ (287 ) $ 5,309 $ 5,501 $ (23 ) $ 5,478 Provision for Credit Losses 392 - 392 679 - 679 Net Interest Income (Loss) after Provision for Credit Losses 5,204 (287 ) 4,917 4,822 (23 ) 4,799 Non-Interest Income Mortgage banking, equipment lending and title abstract fees 137 669 806 204 433 637 Real estate sales commissions, net 24 - 24 61 - 61 Insurance commissions 136 - 136 116 - 116 Other fees and services charges 98 133 231 149 17 166 Net loan servicing income 143 1,086 1,229 5 160 165 Income from bank-owned life insurance 24 - 24 21 - 21 Net gain on loans held for sale 391 489 880 1,038 3,172 4,210 Gain on the sale of SBA loans 50 - 50 133 - 133 Total Non-Interest Income 1,003 2,377 3,380 1,727 3,782 5,509 Non-Interest Expense Salaries and employee benefits 3,576 1,766 5,342 3,238 1,353 4,591 Directors’ fees and expenses 105 - 105 71 - 71 Occupancy and equipment 342 185 527 308 112 420 Data processing 217 - 217 197 - 197 Professional fees 148 27 175 171 13 184 FDIC deposit insurance assessment 232 - 232 116 - 116 Advertising 83 216 299 85 123 208 Amortization of other intangible 12 - 12 12 - 12 Other 593 128 721 299 85 384 Total Non-Interest Expense 5,308 2,322 7,630 4,497 1,686 6,183 Pretax Segment Profit (Loss) $ 899 $ (232 ) $ 667 $ 2,052 $ 2,073 $ 4,125 Net (Loss) Income Attributable to Noncontrolling Interest $ (114 ) $ - $ (114 ) $ 1,016 $ - $ 1,016 Segment Assets $ 767,307 $ 44,293 $ 811,600 $ 514,970 $ 20,896 $ 535,866

Note 1 - Financial Statement _3

Note 1 - Financial Statement Presentation and Significant Accounting Policies (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Jan. 01, 2021 USD ($)
Number of Wholly-Owned Subsidiaries	6
Retained Earnings (Accumulated Deficit)	$ 31,155	$ 30,875
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Retained Earnings (Accumulated Deficit)			$ 0

Note 1 - Financial Statement _4

Note 1 - Financial Statement Presentation and Significant Accounting Policies - ASU 2016-13 Impact (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jan. 01, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Allowance for credit losses - loans	$ 7,658	$ 0	$ 7,678	$ 5,941	$ 5,262
Reserve for unfunded commitments		0
Total		0
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		7,678
Reserve for unfunded commitments		27
Total		7,705
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		7,678
Reserve for unfunded commitments		27
Total		7,705
Real Estate Portfolio Segment [Member]
Allowance for credit losses - loans		0
Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		4,956
Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		4,956
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Allowance for credit losses - loans	153	0	123	99	73
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		123
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		123
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Allowance for credit losses - loans	256	0	295	305	292
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		295
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		295
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Loans [Member]
Allowance for credit losses - loans		0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		418
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		418
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Allowance for credit losses - loans	396	0	451	464	249
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		451
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		451
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Allowance for credit losses - loans		0
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		3,750
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		3,750
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Allowance for credit losses - loans	406	0	304	132	119
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		304
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		304
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance for credit losses - loans	54	0	33	28	29
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		33
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		33
Commercial and Consumer Portfolio Segments [Member]
Allowance for credit losses - loans	3,026	0	2,422	1,876	1,625
Commercial and Consumer Portfolio Segments [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		2,422
Commercial and Consumer Portfolio Segments [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		2,422
Unallocated Financing Receivables [Member]
Allowance for credit losses - loans	$ 0	0	$ 300	$ 400	$ 400
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses - loans		300
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for credit losses - loans		$ 300

Note 2 - Earnings Per Share - W

Note 2 - Earnings Per Share - Weighted Average Shares Used in Basic and Dilutive Earnings Per Share Computations (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Net Income Attributable to Quaint Oak Bancorp, Inc.	$ 563,000	$ 2,248,000
Weighted average shares outstanding – basic (in shares)	2,182,597	2,013,638
Effect of dilutive common stock equivalents (in shares)	89,932	123,484
Adjusted weighted average shares outstanding – diluted (in shares)	2,272,530	2,137,122
Basic earnings per share (in dollars per share)	$ 0.26	$ 1.12
Diluted earnings per share (in dollars per share)	$ 0.25	$ 1.05

Note 3 - Accumulated Other Co_3

Note 3 - Accumulated Other Comprehensive Income (Loss) - Changes in Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023		Mar. 31, 2022
Balance		$ 44,793
Total other comprehensive income (loss)		10		$ (21)
Balance		45,286
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Balance	[1]	(24)		23
Total other comprehensive income (loss)		10	[1]	(21)
Balance	[1]	$ (14)		$ 2
[1]All amounts are net of tax. Amounts in parentheses indicate debits.

Note 4 - Investment in Intere_3

Note 4 - Investment in Interest-earning Time Deposits - Investment in Interest-earnings Time Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Due in one year or less	$ 750	$ 2,541
Due after one year through five years	1,912	1,292
Total	$ 2,662	$ 3,833

Note 5 - Investment Securitie_3

Note 5 - Investment Securities Available for Sale (Details Textual) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 0
Other than Temporary Impairment Losses, Investments	$ 0	$ 0

Note 5 - Investment Securitie_4

Note 5 - Investment Securities Available for Sale - Amortized Cost and Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized cost	$ 2,854	$ 3,000
Gross unrealized gains	0	1
Gross unrealized losses	(18)	(31)
Fair value	2,836	2,970
Government National Mortgage Association (GNMA) [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Amortized cost	2,757	2,902
Gross unrealized gains	0	0
Gross unrealized losses	(17)	(31)
Fair value	2,740	2,871
Federal National Mortgage Association (FNMA) [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Amortized cost	97	98
Gross unrealized gains	0	1
Gross unrealized losses	(1)	0
Fair value	$ 96	$ 99

Note 5 - Investment Securitie_5

Note 5 - Investment Securities Available for Sale - Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Due after ten years, amortized cost	$ 2,854
Due after ten years, fair value	2,836
Total, amortized cost	2,854	$ 3,000
Total, fair value	$ 2,836	$ 2,970

Note 5 - Investment Securitie_6

Note 5 - Investment Securities Available for Sale - Gross Unrealized Losses and Fair Value (Details) - Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] $ in Thousands	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Number of securities	12
Fair value, less than twelve months	$ 2,836
Gross unrealized losses, less than twelve months	(18)
Fair value, twelve months or greater	0
Gross unrealized losses, twelve months or greater	0
Fair value	2,836
Gross unrealized losses	$ (18)
Government National Mortgage Association (GNMA) [Member]
Number of securities	11	11,000
Fair value, less than twelve months	$ 2,740	$ 2,871
Gross unrealized losses, less than twelve months	(17)	(31)
Fair value, twelve months or greater	0
Gross unrealized losses, twelve months or greater	0
Fair value	2,740	2,871
Gross unrealized losses	$ (17)	$ (31)
Federal National Mortgage Association (FNMA) [Member]
Number of securities	1
Fair value, less than twelve months	$ 96
Gross unrealized losses, less than twelve months	(1)
Fair value, twelve months or greater	0
Gross unrealized losses, twelve months or greater	0
Fair value	96
Gross unrealized losses	$ (1)

Note 6 - Loans Receivable, Ne_3

Note 6 - Loans Receivable, Net and Allowance for Credit Losses (Details Textual)		3 Months Ended		12 Months Ended
		Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process		$ 641,559,000		$ 630,761,000
Troubled Debt Restructuring, Number of Contracts				2
Financing Receivable, Modified, Accumulated				$ 136,000
Provision for Loan, Lease, and Other Losses		392,000	$ 679,000
Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)		181,000
Impaired Financing Receivable, Interest Income, Cash Basis Method		0		0
Financing Receivable, Nonaccrual, Interest Income		59,000		167,000
Nonperforming Financial Instruments [Member]
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process		1,600,000		2,000,000
Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	[1]	153,901,000		159,069,000
Paycheck Protection Loan Program [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process		$ 163,000		$ 214,000
[1]Includes $163,000 and $214,000 of PPP loans at March 31, 2023 and December 31, 2022, respectively.

Note 6 - Loans Receivable, Ne_4

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Composition of Net Loans Receivable (Details) - USD ($) $ in Thousands		Mar. 31, 2023	Jan. 01, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Loans		$ 641,559		$ 630,761
Deferred loan fees and costs		(1,075)		(1,219)
Allowance for credit losses		(7,658)	$ 0	(7,678)	$ (5,941)	$ (5,262)
Net Loans		632,826		621,864
Real Estate Portfolio Segment [Member]
Loans		487,644		471,690
Allowance for credit losses			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans		18,080		18,070
Allowance for credit losses		(153)	0	(123)	(99)	(73)
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans		38,181		39,315
Allowance for credit losses		(256)	0	(295)	(305)	(292)
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Loans [Member]
Loans		56,261		57,385
Allowance for credit losses			0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans		47,632		46,909
Allowance for credit losses		(396)	0	(451)	(464)	(249)
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans		339,226		333,540
Allowance for credit losses			0
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans		39,204		28,938
Allowance for credit losses		(406)	0	(304)	(132)	(119)
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans		5,321		4,918
Allowance for credit losses		(54)	$ 0	(33)	$ (28)	$ (29)
Commercial Portfolio Segment [Member]
Loans	[1]	153,901		159,069
Consumer Portfolio Segment [Member]
Loans		$ 14		$ 2
[1]Includes $163,000 and $214,000 of PPP loans at March 31, 2023 and December 31, 2022, respectively.

Note 6 - Loans Receivable, Ne_5

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Internal Risk Categories (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Financing Receivable, Year One	$ 28,594
Financing Receivable, Year Two	294,469
Financing Receivable, Year Three	148,746
Financing Receivable, Year Four	42,356
Financing Receivable, Year Five	26,611
Financing Receivable, Prior	83,526
Financing Receivable, Revolving	17,257
Financing Receivable, Total	641,559
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	231
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total		$ 0	$ 59
Pass [Member]
Financing Receivable, Year One	28,594
Financing Receivable, Year Two	293,576
Financing Receivable, Year Three	147,082
Financing Receivable, Year Four	42,356
Financing Receivable, Year Five	25,369
Financing Receivable, Prior	79,499
Financing Receivable, Revolving	15,258
Financing Receivable, Total	631,734
Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	893
Financing Receivable, Year Three	925
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	2,127
Financing Receivable, Revolving	1,999
Financing Receivable, Total	5,944
Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	739
Financing Receivable, Year Four	0
Financing Receivable, Year Five	1,242
Financing Receivable, Prior	1,900
Financing Receivable, Revolving	0
Financing Receivable, Total	3,881
Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | Multifamily [Member]
Financing Receivable, Year One	972
Financing Receivable, Year Two	17,363
Financing Receivable, Year Three	13,155
Financing Receivable, Year Four	4,574
Financing Receivable, Year Five	603
Financing Receivable, Prior	10,965
Financing Receivable, Revolving	0
Financing Receivable, Total	47,632
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	0
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Pass [Member]
Financing Receivable, Year One	972
Financing Receivable, Year Two	17,363
Financing Receivable, Year Three	13,155
Financing Receivable, Year Four	4,574
Financing Receivable, Year Five	603
Financing Receivable, Prior	9,388
Financing Receivable, Revolving	0
Financing Receivable, Total	46,055
Residential Portfolio Segment [Member] | Multifamily [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	1,577
Financing Receivable, Revolving	0
Financing Receivable, Total	1,577
Residential Portfolio Segment [Member] | Multifamily [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Financing Receivable, Year One	524
Financing Receivable, Year Two	9,035
Financing Receivable, Year Three	3,553
Financing Receivable, Year Four	1,950
Financing Receivable, Year Five	575
Financing Receivable, Prior	2,443
Financing Receivable, Revolving	0
Financing Receivable, Total	18,080
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	0
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Pass [Member]
Financing Receivable, Year One	524
Financing Receivable, Year Two	9,035
Financing Receivable, Year Three	3,553
Financing Receivable, Year Four	1,950
Financing Receivable, Year Five	575
Financing Receivable, Prior	2,443
Financing Receivable, Revolving	0
Financing Receivable, Total	18,080
Residential Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	6,972
Financing Receivable, Year Three	9,267
Financing Receivable, Year Four	3,333
Financing Receivable, Year Five	933
Financing Receivable, Prior	17,676
Financing Receivable, Revolving	0
Financing Receivable, Total	38,181
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	0
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Pass [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	6,972
Financing Receivable, Year Three	9,267
Financing Receivable, Year Four	3,333
Financing Receivable, Year Five	933
Financing Receivable, Prior	17,676
Financing Receivable, Revolving	0
Financing Receivable, Total	38,181
Residential Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Financing Receivable, Year One	18,789
Financing Receivable, Year Two	158,332
Financing Receivable, Year Three	73,192
Financing Receivable, Year Four	22,984
Financing Receivable, Year Five	15,985
Financing Receivable, Prior	49,009
Financing Receivable, Revolving	935
Financing Receivable, Total	339,226
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	134
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	134
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Pass [Member]
Financing Receivable, Year One	18,789
Financing Receivable, Year Two	158,332
Financing Receivable, Year Three	73,192
Financing Receivable, Year Four	22,984
Financing Receivable, Year Five	15,985
Financing Receivable, Prior	49,009
Financing Receivable, Revolving	935
Financing Receivable, Total	339,226
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Construction [Member] | Construction Loans [Member]
Financing Receivable, Year One	3,874
Financing Receivable, Year Two	16,783
Financing Receivable, Year Three	12,653
Financing Receivable, Year Four	3,767
Financing Receivable, Year Five	0
Financing Receivable, Prior	2,127
Financing Receivable, Revolving	0
Financing Receivable, Total	39,204
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	0
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	0
Construction [Member] | Construction Loans [Member] | Pass [Member]
Financing Receivable, Year One	3,874
Financing Receivable, Year Two	16,783
Financing Receivable, Year Three	12,653
Financing Receivable, Year Four	3,767
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	37,077
Construction [Member] | Construction Loans [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	2,127
Financing Receivable, Revolving	0
Financing Receivable, Total	2,127
Construction [Member] | Construction Loans [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Construction [Member] | Construction Loans [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Home Equity Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Year One	500
Financing Receivable, Year Two	64
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	240
Financing Receivable, Revolving	4,517
Financing Receivable, Total	5,321
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	0
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	0
Home Equity Portfolio Segment [Member] | Home Equity Loan [Member] | Pass [Member]
Financing Receivable, Year One	500
Financing Receivable, Year Two	64
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	240
Financing Receivable, Revolving	4,517
Financing Receivable, Total	5,321
Home Equity Portfolio Segment [Member] | Home Equity Loan [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Home Equity Portfolio Segment [Member] | Home Equity Loan [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Home Equity Portfolio Segment [Member] | Home Equity Loan [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Commercial Portfolio Segment [Member] | Commercial Loan [Member]
Financing Receivable, Year One	3,921
Financing Receivable, Year Two	85,920
Financing Receivable, Year Three	36,926
Financing Receivable, Year Four	5,748
Financing Receivable, Year Five	8,515
Financing Receivable, Prior	1,066
Financing Receivable, Revolving	11,805
Financing Receivable, Total	153,901
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	97
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	97
Commercial Portfolio Segment [Member] | Commercial Loan [Member] | Pass [Member]
Financing Receivable, Year One	3,921
Financing Receivable, Year Two	85,027
Financing Receivable, Year Three	35,262
Financing Receivable, Year Four	5,748
Financing Receivable, Year Five	7,273
Financing Receivable, Prior	743
Financing Receivable, Revolving	9,806
Financing Receivable, Total	147,780
Commercial Portfolio Segment [Member] | Commercial Loan [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	893
Financing Receivable, Year Three	925
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	1,999
Financing Receivable, Total	3,817
Commercial Portfolio Segment [Member] | Commercial Loan [Member] | Substandard [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	739
Financing Receivable, Year Four	0
Financing Receivable, Year Five	1,242
Financing Receivable, Prior	323
Financing Receivable, Revolving	0
Financing Receivable, Total	2,304
Commercial Portfolio Segment [Member] | Commercial Loan [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Consumer Portfolio Segment [Member] | Consumer Loan [Member]
Financing Receivable, Year One	14
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	14
Current period gross charge-offs, Year One	0
Current period gross charge-offs, Year Two	0
Current period gross charge-offs, Year Three	0
Current period gross charge-offs, Year Four	0
Current period gross charge-offs, Year Five	0
Current period gross charge-offs, Prior	0
Current period gross charge-offs, Revolving	0
Current period gross charge-offs, Total	0
Consumer Portfolio Segment [Member] | Consumer Loan [Member] | Pass [Member]
Financing Receivable, Year One	14
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	14
Consumer Portfolio Segment [Member] | Consumer Loan [Member] | Special Mention [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	0
Consumer Portfolio Segment [Member] | Consumer Loan [Member] | Doubtful [Member]
Financing Receivable, Year One	0
Financing Receivable, Year Two	0
Financing Receivable, Year Three	0
Financing Receivable, Year Four	0
Financing Receivable, Year Five	0
Financing Receivable, Prior	0
Financing Receivable, Revolving	0
Financing Receivable, Total	$ 0

Note 6 - Loans Receivable, Ne_6

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Loan Portfolio by Credit Rating (Details) - USD ($) $ in Thousands		Mar. 31, 2023	Dec. 31, 2022
Loans		$ 641,559	$ 630,761
Pass [Member]
Loans			623,189
Special Mention [Member]
Loans			3,315
Substandard [Member]
Loans			4,257
Doubtful [Member]
Loans			0
Real Estate Portfolio Segment [Member]
Loans		487,644	471,690
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans		18,080	18,070
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Pass [Member]
Loans			17,663
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Special Mention [Member]
Loans			407
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Substandard [Member]
Loans			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Doubtful [Member]
Loans			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans		38,181	39,315
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Pass [Member]
Loans			39,315
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Special Mention [Member]
Loans			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Substandard [Member]
Loans			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Doubtful [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans		47,632	46,909
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Pass [Member]
Loans			45,201
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Special Mention [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Substandard [Member]
Loans			1,708
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Doubtful [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans		339,226	333,540
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Pass [Member]
Loans			333,406
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Special Mention [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Substandard [Member]
Loans			134
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Doubtful [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans		39,204	28,938
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Pass [Member]
Loans			28,938
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Special Mention [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Substandard [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Doubtful [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans		5,321	4,918
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Pass [Member]
Loans			4,918
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Special Mention [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Substandard [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Doubtful [Member]
Loans			0
Commercial Portfolio Segment [Member]
Loans	[1]	153,901	159,069
Commercial Portfolio Segment [Member] | Pass [Member]
Loans			153,746
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans			2,908
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans			2,415
Commercial Portfolio Segment [Member] | Doubtful [Member]
Loans			0
Consumer Portfolio Segment [Member]
Loans		$ 14	2
Consumer Portfolio Segment [Member] | Pass [Member]
Loans			2
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans			0
Consumer Portfolio Segment [Member] | Substandard [Member]
Loans			0
Consumer Portfolio Segment [Member] | Doubtful [Member]
Loans			$ 0
[1]Includes $163,000 and $214,000 of PPP loans at March 31, 2023 and December 31, 2022, respectively.

Note 6 - Loans Receivable, Ne_7

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Non-accrual Loans by Class of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Nonaccrual, With Allowance	$ 1,577
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	1,577	$ 1,708
Loans > 90 days and accruing	0	51
Residential Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	0
Loans > 90 days and accruing	0
Residential Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	0
Loans > 90 days and accruing	0
Residential Portfolio Segment [Member] | Multifamily [Member]
Financing Receivable, Nonaccrual, With Allowance	1,577
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	1,577	1,708
Loans > 90 days and accruing	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Loan [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	0
Loans > 90 days and accruing	0
Construction [Member] | Construction Loans [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	0
Loans > 90 days and accruing	0
Home Equity Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	0
Loans > 90 days and accruing	0
Commercial Portfolio Segment [Member]
Loans > 90 days and accruing		51
Commercial Portfolio Segment [Member] | Commercial Loan [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	0
Loans > 90 days and accruing	0
Consumer Portfolio Segment [Member]
Loans > 90 days and accruing		0
Consumer Portfolio Segment [Member] | Consumer Loan [Member]
Financing Receivable, Nonaccrual, With Allowance	0
Financing Receivable, Nonaccrual, No Allowance	0
Financing Receivable, Nonaccrual	0	$ 0
Loans > 90 days and accruing	$ 0

Note 6 - Loans Receivable, Ne_8

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Impaired Loans by Loan Portfolio Class (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Related allowance	$ 215
Recorded investment	2,075
Unpaid principal balance	2,091
Average recorded investment	2,083
Interest income recognized	27
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Recorded investment, with no related allowance recorded	0
Unpaid principal balance, with no related allowance recorded	0
Average recorded investment, with no related allowance recorded	0
Interest income recognized, with no related allowance recorded	0
Recorded investment	0
Unpaid principal balance	0
Average recorded investment	0
Interest income recognized	0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Recorded investment, with no related allowance recorded	7
Unpaid principal balance, with no related allowance recorded	9
Average recorded investment, with no related allowance recorded	7
Interest income recognized, with no related allowance recorded	0
Recorded investment	7
Unpaid principal balance	9
Average recorded investment	7
Interest income recognized	0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Recorded investment, with no related allowance recorded	1,708
Unpaid principal balance, with no related allowance recorded	1,722
Average recorded investment, with no related allowance recorded	1,708
Recorded investment	1,708
Unpaid principal balance	1,722
Average recorded investment	1,708
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Recorded investment, with no related allowance recorded	129
Unpaid principal balance, with no related allowance recorded	129
Average recorded investment, with no related allowance recorded	130
Interest income recognized, with no related allowance recorded	12
Recorded investment, with an allowance recorded	134
Unpaid principal balance, with an allowance recorded	134
Related allowance	118
Average recorded investment, with an allowance recorded	136
Interest income recognized, with an allowance recorded	9
Recorded investment	263
Unpaid principal balance	263
Average recorded investment	266
Interest income recognized	21
Commercial Portfolio Segment [Member]
Average recorded investment, with no related allowance recorded	0
Recorded investment, with an allowance recorded	97
Unpaid principal balance, with an allowance recorded	97
Related allowance	96
Average recorded investment, with an allowance recorded	102
Interest income recognized, with an allowance recorded	6
Recorded investment	97
Unpaid principal balance	97
Average recorded investment	102
Interest income recognized	$ 6

Note 6 - Loans Receivable, Ne_9

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Changes in the Allowance for Loan Losses and Recorded Investment in Loans Receivable (Details) - USD ($) $ in Thousands	3 Months Ended			12 Months Ended
	Mar. 31, 2023		Mar. 31, 2022	Dec. 31, 2022
Allowance for loan losses, beginning balance	$ 7,678		$ 5,262	$ 5,262
Recoveries	0		0	0
Provision(1)	211	[1]	679	2,475	[1]
Allowance for loan losses, ending balance	7,658		5,941	7,678
Charge-offs			0	(59)
Individually			0	215
Collectively			5,941	7,463
Ending balance	641,559			630,761
Individually				2,075
Collectively				628,686
Charge-offs			0	(59)
Real Estate Portfolio Segment [Member]
Ending balance	487,644			471,690
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Allowance for loan losses, beginning balance	123		73	73
Recoveries	0		0	0
Provision(1)	30	[1]	26	50	[1]
Allowance for loan losses, ending balance	153		99	123
Charge-offs			0	0
Individually			0	0
Collectively			99	123
Ending balance	18,080			18,070
Individually				0
Collectively				18,070
Charge-offs			0	0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Allowance for loan losses, beginning balance	295		292	292
Recoveries	0		0	0
Provision(1)	(39)	[1]	13	3	[1]
Allowance for loan losses, ending balance	256		305	295
Charge-offs			0	0
Individually			0	0
Collectively			305	295
Ending balance	38,181			39,315
Individually				7
Collectively				39,308
Charge-offs			0	0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Allowance for loan losses, beginning balance	451		249	249
Recoveries	0		0	0
Provision(1)	(55)	[1]	215	202	[1]
Allowance for loan losses, ending balance	396		464	451
Charge-offs			0	0
Individually			0	0
Collectively			464	451
Ending balance	47,632			46,909
Individually				1,708
Collectively				45,201
Charge-offs			0	0
Real Estate Portfolio Segment [Member] | Commercial Real Estate and Lines of Credit [Member]
Allowance for loan losses, beginning balance	3,750		2,475	2,475
Recoveries	0		0	0
Provision(1)	(249)	[1]	162	1,275	[1]
Allowance for loan losses, ending balance	3,367		2,637	3,750
Charge-offs			0	0
Individually			0	118
Collectively			2,637	3,632
Ending balance				333,540
Individually				263
Collectively				333,277
Charge-offs			0	0
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Allowance for loan losses, beginning balance	304		119	119
Recoveries	0		0	0
Provision(1)	102	[1]	13	185	[1]
Allowance for loan losses, ending balance	406		132	304
Charge-offs			0	0
Individually			0	0
Collectively			132	304
Ending balance	39,204			28,938
Individually				0
Collectively				28,938
Charge-offs			0	0
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance for loan losses, beginning balance	33		29	29
Recoveries	0		0	0
Provision(1)	21	[1]	(1)	4	[1]
Allowance for loan losses, ending balance	54		28	33
Charge-offs			0	0
Individually			0	0
Collectively			28	33
Ending balance	5,321			4,918
Individually				0
Collectively				4,918
Charge-offs			0	0
Commercial and Consumer Portfolio Segments [Member]
Allowance for loan losses, beginning balance	2,422		1,625	1,625
Recoveries	0		0	0
Provision(1)	701	[1]	251	856	[1]
Allowance for loan losses, ending balance	3,026		1,876	2,422
Charge-offs			0	(59)
Individually			0	97
Collectively			1,876	2,325
Ending balance				159,071
Individually				97
Collectively				158,974
Charge-offs			0	(59)
Unallocated Financing Receivables [Member]
Allowance for loan losses, beginning balance	300		400	400
Recoveries	0		0	0
Provision(1)	(300)	[1]	0	(100)	[1]
Allowance for loan losses, ending balance	$ 0		400	300
Charge-offs			0	0
Individually			0	0
Collectively			400	300
Ending balance
Individually
Collectively
Charge-offs			$ 0	$ 0
[1]Provision included in the table only includes the portion related to loans receivable. The total provision for credit losses of $392,000 includes a provision of $181,000 for off balance sheet credit exposure, which is reflected in other liabilities on the balance sheet.

Note 6 - Loans Receivable, N_10

Note 6 - Loans Receivable, Net and Allowance for Credit Losses - Loan Portfolio Summarized by Past Due Status (Details) - USD ($) $ in Thousands		Mar. 31, 2023	Dec. 31, 2022
Loans		$ 641,559	$ 630,761
Loans > 90 days and accruing		0	51
The 30 to 89 Days Delinquent [Member]
Loans		1,252	5,436
Financial Asset, Past Due [Member]
Loans		1,577	7,375
Financial Asset, Not Past Due [Member]
Loans		638,730	623,386
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			1,939
Real Estate Portfolio Segment [Member]
Loans		487,644	471,690
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member]
Loans		18,080	18,070
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans		406	407
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financial Asset, Past Due [Member]
Loans		0	407
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financial Asset, Not Past Due [Member]
Loans		17,674	17,663
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Owner Occupied Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member]
Loans		38,181	39,315
Loans > 90 days and accruing			0
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans		69	23
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financial Asset, Past Due [Member]
Loans		0	23
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financial Asset, Not Past Due [Member]
Loans		38,112	39,292
Real Estate Portfolio Segment [Member] | One-to-four Family Residential Non-owner Occupied Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans		0	0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member]
Loans		47,632	46,909
Loans > 90 days and accruing			0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans		0	0
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financial Asset, Past Due [Member]
Loans		1,577	1,708
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financial Asset, Not Past Due [Member]
Loans		46,055	45,201
Real Estate Portfolio Segment [Member] | Multi-family (Five Or More) Residential Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans		0	1,708
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member]
Loans		339,226	333,540
Loans > 90 days and accruing			0
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans		739	2,895
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financial Asset, Past Due [Member]
Loans		0	3,029
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financial Asset, Not Past Due [Member]
Loans		338,487	330,511
Real Estate Portfolio Segment [Member] | Commercial Real Estate Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			134
Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans		39,204	28,938
Loans > 90 days and accruing			0
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | The 30 to 89 Days Delinquent [Member]
Loans			2,062
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Past Due [Member]
Loans			2,062
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Not Past Due [Member]
Loans		39,204	26,876
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			0
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member]
Loans		5,321	4,918
Loans > 90 days and accruing			0
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | The 30 to 89 Days Delinquent [Member]
Loans		38	39
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Past Due [Member]
Loans		0	39
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Not Past Due [Member]
Loans		5,283	4,879
Real Estate Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			0
Commercial Portfolio Segment [Member]
Loans	[1]	153,901	159,069
Loans > 90 days and accruing			51
Commercial Portfolio Segment [Member] | The 30 to 89 Days Delinquent [Member]
Loans		0	10
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans		0	107
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans		153,901	158,962
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			97
Consumer Portfolio Segment [Member]
Loans		14	2
Loans > 90 days and accruing			0
Consumer Portfolio Segment [Member] | The 30 to 89 Days Delinquent [Member]
Loans			0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans			0
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans		$ 14	2
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans			$ 0
[1]Includes $163,000 and $214,000 of PPP loans at March 31, 2023 and December 31, 2022, respectively.

Note 7 - Goodwill and Other I_2

Note 7 - Goodwill and Other Intangible, Net (Details Textual) - USD ($)			3 Months Ended
	Jan. 04, 2021	Aug. 01, 2016	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Finite-Lived Intangible Assets, Net			$ 162,000		$ 174,000
Amortization of Intangible Assets			12,000	$ 12,000
Other Intangible Assets [Member]
Finite-Lived Intangible Assets, Net			162,000
Finite-Lived Intangible Assets, Accumulated Amortization			$ 253,000
Oakmont Capital Holdings, LLC [Member]
Goodwill, Acquired During Period	$ 2,100,000
Signature Insurance Services, LLC [Member]
Goodwill, Acquired During Period		$ 515,000
Payments to Acquire Businesses, Gross		1,000,000
Signature Insurance Services, LLC [Member] | Other Intangible Assets [Member]
Finite-lived Intangible Assets Acquired		$ 485,000
Finite-Lived Intangible Asset, Useful Life (Year)		10 years

Note 8 - Deposits - Summary of

Note 8 - Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Non-interest bearing checking accounts	$ 95,214	$ 88,728
Money market accounts	243,003	260,972
Certificates of deposit	214,691	197,951
Total deposits	554,444	549,248
Savings Accounts [Member]
Interest-bearing deposits, amount	$ 1,536	$ 1,597

Note 9 - Borrowings (Details Te

Note 9 - Borrowings (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 16, 2023	Mar. 02, 2023	Dec. 31, 2022	Dec. 27, 2018
Long-Term Federal Home Loan Bank Advances	$ 159,200				$ 159,200
Proceeds From Federal Home Loan Bank Borrowings, Short-term	33,500	$ 23,000
Repayments of Federal Home Loan Bank Borrowings, Short-term	13,500	26,000
Payments of FHLBank Borrowings, Financing Activities	20,000	0
Increase (Decrease) in Loans from Federal Home Loan Banks	$ (7,000)
Long-term Federal Reserve Bank Advances, Increase (Decrease) Percentage	100%
Long-term Federal Reserve Bank Advances	$ 0
Proceeds From Federal Reserve Bank Long Term Borrowings	42,700	0
Repayments of Federal Reserve Bank Borrowings, Financing Activities	49,700	546
Subordinated Debt	21,739				7,966	$ 8,000
Proceeds from Other Short-Term Debt	$ 5,628	$ 916
Other Borrowings, Increase (Decrease), Percentage	102.50%
Other Borrowings	$ 11,100				5,500
Oakmont Capital Holdings, LLC Lines of Credit to Fund Equipment Loans [Member]
Line of Credit Facility, Maximum Borrowing Capacity	$ 15,000
Subordinated Debt [Member]
Debt Instrument, Interest Rate, Stated Percentage	8.50%					6.50%
Debt Instrument, Face Amount			$ 2,000	$ 12,000
Long-Term Debt	$ 21,700				$ 8,000

Note 9 - Borrowings - Federal H

Note 9 - Borrowings - Federal Home Loan Bank Long-term Borrowings (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Short-term borrowings, amount	$ 113,200	$ 93,200
Short-term borrowings, weighted interest rate	5.15%	4.45%
2023, amount	$ 37,000
2023, weighted interest rate	2.34%
2023, amount	$ 6,167	$ 57,000
2023, weighted interest rate	2.05%	2.22%
2024, amount	$ 2,855	$ 6,167
2024, weighted interest rate	1.25%	2.05%
2025, amount		$ 2,855
2025, weighted interest rate		1.25%
Total FHLB long-term debt	$ 46,022	$ 66,022
Total FHLB long-term debt, weighted interest rate	2.23%	2.16%

Note 10 - Stock Compensation _3

Note 10 - Stock Compensation Plans (Details Textual) - USD ($)		1 Months Ended		3 Months Ended
	May 31, 2013	May 31, 2018	May 31, 2013	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2018	May 31, 2008
Employee Stock Ownership Plan (ESOP), Compensation Expense					$ 91,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount				$ 12,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)				1 month 6 days
Share-Based Payment Arrangement, Option [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period (Year)				10 years		10 years
Share-Based Payment Arrangement, Expense, after Tax				$ 11,000	11,000
Share-Based Payment Arrangement, Expense, Tax Benefit				$ 1,000	1,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)				1 month 6 days
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number (in shares)				195,936
Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount				$ 6,000
Share-Based Payment Arrangement, Option [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)				5 years		5 years
The 2013 Stock Incentive Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period (Year)	10 years		5 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)	195,000		195,000
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)				5 years
The 2013 Stock Incentive Plan [Member] | Share-Based Payment Arrangement, Option [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period (Year)	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)	146,250		146,250
The 2018 Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)		155,000
The 2018 Stock Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)		38,750
Percentage of Shares May Be Granted As Restricted Stock Awards		25%
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)				11,750
The 2018 Stock Incentive Plan [Member] | Share-Based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)		116,250
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)				37,250
Stock Incentive Plans [Member]
Share-Based Payment Arrangement, Expense, after Tax				$ 31,000	31,000
Share-Based Payment Arrangement, Expense, Tax Benefit				$ 7,000	$ 7,000
Stock Incentive Plans [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)				5 years
Stock Incentive Plans [Member] | Share-Based Payment Arrangement, Option [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number, Ending Balance (in shares)				9,122
The 2008 Stock Option Plan [Member] | Share-Based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)							277,726
Employee Stock Ownership Plan [Member]
Employee Stock Ownership Plan (ESOP), Shares Contributed to ESOP (in shares)				0	4,000
Employee Stock Ownership Plan (ESOP), Compensation Expense				$ 0	$ 84,000

Note 10 - Stock Compensation _4

Note 10 - Stock Compensation Plans - Status of Shares Under the RRP and Stock Incentive Plan (Details) - The RRP and Stock Incentive Plan [Member] - Restricted Stock [Member] - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Unvested at the beginning of the period (in shares)	9,122	18,845
Unvested at the beginning of the period (in dollars per share)	$ 13.30	$ 13.30
Granted, number of shares (in shares)	0	0
Granted, weighted average grant date fair value (in dollars per share)	$ 0	$ 0
Vested, number of shares (in shares)	0	0
Vested, weighted average grant date fair value (in dollars per share)	$ 0	$ 0
Forfeited, number of shares (in shares)	0	0
Forfeited, weighted average grant date fair value (in dollars per share)	$ 0	$ 0
Unvested at the end of the period (in shares)	9,122	18,845
Unvested at the end of the period (in dollars per share)	$ 13.30	$ 13.30

Note 10 - Stock Compensation _5

Note 10 - Stock Compensation Plans - Summary of Option Activity (Details) - Share-Based Payment Arrangement, Option [Member] - $ / shares	3 Months Ended		12 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
Outstanding (in shares)	195,936
The Option Plan and Stock Incentive Plan [Member]
Outstanding, number of shares (in shares)	195,936	233,136	233,136
Outstanding, weighted average (in dollars per share)	$ 11.24	$ 10.96	$ 10.96
Outstanding at the beginning of the period (Year)	3 years 8 months 12 days	4 years 1 month 6 days	3 years 6 months	4 years 2 months 12 days
Granted, number of shares (in shares)	0	0
Granted, weighted average exercise price (in dollars per share)	$ 0	$ 0
Exercised, number of shares (in shares)	(23,000)	(1,000)
Exercised, weighted average exercise price (in dollars per share)	$ 8.10	$ 13.30
Forfeited, number of shares (in shares)	0	0
Forfeited, weighted average exercise price (in dollars per share)	$ 0	$ 0
Outstanding (in shares)	172,936	232,136	195,936	233,136
Outstanding, weighted average (in dollars per share)	$ 11.66	$ 10.95	$ 11.24	$ 10.96
Exercisable at end of period (in shares)	147,009	179,081
Exercisable at end of period, weighted average exercise price (in dollars per share)	$ 10.62	$ 10.26
Exercisable at end of period, weighted average remaining contractual life (Year)	6 years 6 months	5 years 7 months 6 days

Note 11 - Fair Value Measurem_3

Note 11 - Fair Value Measurements and Fair Values of Financial Instruments - Financial Assets and Liabilities on a Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Investment securities available for sale	$ 2,836	$ 2,970
Fair Value, Recurring [Member]
Investment securities available for sale	2,836	2,970
Total fair value measurements	2,836	2,970
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale	0	0
Total fair value measurements	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	2,836	2,970
Total fair value measurements	2,836	2,970
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale	0	0
Total fair value measurements	0	0
Fair Value, Nonrecurring [Member]
Total fair value measurements	1,577	1,860
Impaired loans		1,860
Fair Value, Nonrecurring [Member] | Nonperforming Financial Instruments [Member]
Collateral-dependent loans	1,577
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total fair value measurements	0	0
Impaired loans		0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member] | Nonperforming Financial Instruments [Member]
Collateral-dependent loans	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total fair value measurements	0	0
Impaired loans		0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member] | Nonperforming Financial Instruments [Member]
Collateral-dependent loans	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total fair value measurements	1,577	1,860
Impaired loans		1,860
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Nonperforming Financial Instruments [Member]
Collateral-dependent loans	1,577
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) [Member]
Investment securities available for sale	2,740	2,871
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) [Member] | Fair Value, Recurring [Member]
Investment securities available for sale	2,740	2,871
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale	0	0
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	2,740	2,871
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Government National Mortgage Association (GNMA) [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale	0	0
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) [Member]
Investment securities available for sale	96	99
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) [Member] | Fair Value, Recurring [Member]
Investment securities available for sale	96	99
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale	0	0
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale	96	99
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association (FNMA) [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale	$ 0	$ 0

Note 11 - Fair Value Measurem_4

Note 11 - Fair Value Measurements and Fair Values of Financial Instruments - Additional Information on Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Appraisal of Collateral [Member] - Fair Value, Inputs, Level 3 [Member] $ in Thousands		Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Collateral-dependent loans		$ 1,577
Meaurement Input, Appraisal Adjustments Rate [Member]
Collateral-dependent loans			$ 1,860
Collateral-dependent loans		0.08
Meaurement Input, Appraisal Adjustments Rate [Member] | Impaired Loans [Member]
Collateral-dependent loans	[1],[2]		0.10
Meaurement Input, Appraisal Adjustments Rate [Member] | Weighted Average [Member]
Collateral-dependent loans		0.08
[1]Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percentage of the appraisal.[2]Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are identifiable.

Note 11 - Fair Value Measurem_5

Note 11 - Fair Value Measurements and Fair Values of Financial Instruments - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
FHLB long-term borrowings	$ 46,022	$ 66,022
Reported Value Measurement [Member]
Investment in interest-earning time deposits	2,662	3,833
Loans held for sale	141,206	133,222
Loans receivable, net	632,826	621,864
Deposits	554,444	549,248
FHLB long-term borrowings	46,022	66,022
Subordinated debt	21,739	7,966
FRB long-term borrowings		7,000
Estimate of Fair Value Measurement [Member]
Investment in interest-earning time deposits	2,742	3,907
Loans held for sale	145,046	137,253
Loans receivable, net	610,989	600,186
Deposits	558,001	551,157
FHLB long-term borrowings	45,881	65,846
Subordinated debt	21,165	7,886
FRB long-term borrowings		6,981
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Investment in interest-earning time deposits	0	0
Loans held for sale	0	0
Loans receivable, net	0	0
Deposits	339,753	351,297
FHLB long-term borrowings	0	0
Subordinated debt	0	0
FRB long-term borrowings		0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Investment in interest-earning time deposits	0	0
Loans held for sale	145,046	137,253
Loans receivable, net	0	0
Deposits	0	0
FHLB long-term borrowings	0	0
Subordinated debt	0	0
FRB long-term borrowings		0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Investment in interest-earning time deposits	2,742	3,907
Loans held for sale	0	0
Loans receivable, net	610,989	600,186
Deposits	218,248	199,860
FHLB long-term borrowings	45,881	65,846
Subordinated debt	$ 21,165	7,886
FRB long-term borrowings		$ 6,981

Note 12 - Operating Segments (D

Note 12 - Operating Segments (Details Textual)	3 Months Ended
	Mar. 31, 2023
Number of Reportable Segments	2

Note 12 - Operating Segments -

Note 12 - Operating Segments - Summary of Financial Information for the Reportable Segments (Details) - USD ($)		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Net Interest Income (Loss)		$ 5,309,000	$ 5,478,000
Provision for Loan, Lease, and Other Losses		392,000	679,000
Net Interest Income (Loss) after Provision for Credit Losses		4,917,000	4,799,000
Insurance commissions		136,000	116,000
Income from bank-owned life insurance		24,000	21,000
Net gain on loans held for sale		880,000	4,210,000
Gain on the sale of SBA loans		50,000	133,000
Total Non-Interest Income		3,380,000	5,509,000
Salaries and employee benefits		5,342,000	4,591,000
Directors’ fees and expenses		105,000	71,000
Occupancy and equipment		527,000	420,000
Data processing		217,000	197,000
Professional fees		175,000	184,000
FDIC deposit insurance assessment		232,000	116,000
Advertising		299,000	208,000
Amortization of Intangible Assets		12,000	12,000
Other		721,000	384,000
Total Non-Interest Expense		7,630,000	6,183,000
Pretax Segment Profit (Loss)		667,000	4,125,000
Net (Loss) Income Attributable to Noncontrolling Interest		(114,000)	1,016,000
Segment Assets		811,600,000	535,866,000	$ 792,350,000
Mortgage Banking and Abstract Fees [Member]
Non-interest revenue		806,000	637,000
Real Estate Sales Commissions [Member]
Non-interest revenue		24,000	61,000
Other Fees and Services Fees [Member]
Non-interest revenue		231,000	166,000
Loan Servicing Fee [Member]
Non-interest revenue		1,229,000	165,000
Quaint Oak Bank [Member]
Net Interest Income (Loss)	[1]	5,596,000	5,501,000
Provision for Loan, Lease, and Other Losses		392,000	679,000
Net Interest Income (Loss) after Provision for Credit Losses		5,204,000	4,822,000
Insurance commissions	[1]	136,000	116,000
Income from bank-owned life insurance	[1]	24,000	21,000
Net gain on loans held for sale	[1]	391,000	1,038,000
Gain on the sale of SBA loans	[1]	50,000	133,000
Total Non-Interest Income	[1]	1,003,000	1,727,000
Salaries and employee benefits	[1]	3,576,000	3,238,000
Directors’ fees and expenses	[1]	105,000	71,000
Occupancy and equipment	[1]	342,000	308,000
Data processing	[1]	217,000	197,000
Professional fees	[1]	148,000	171,000
FDIC deposit insurance assessment	[1]	232,000	116,000
Advertising	[1]	83,000	85,000
Amortization of Intangible Assets	[1]	12,000	12,000
Other	[1]	593,000	299,000
Total Non-Interest Expense	[1]	5,308,000	4,497,000
Pretax Segment Profit (Loss)	[1]	899,000	2,052,000
Net (Loss) Income Attributable to Noncontrolling Interest		(114,000)	1,016,000
Segment Assets	[1]	767,307,000	514,970,000
Quaint Oak Bank [Member] | Mortgage Banking and Abstract Fees [Member]
Non-interest revenue		137,000	204,000
Quaint Oak Bank [Member] | Real Estate Sales Commissions [Member]
Non-interest revenue	[1]	24,000	61,000
Quaint Oak Bank [Member] | Other Fees and Services Fees [Member]
Non-interest revenue	[1]	98,000	149,000
Quaint Oak Bank [Member] | Loan Servicing Fee [Member]
Non-interest revenue		143,000	5,000
Quaint Oak Bank, Mortgage [Member]
Net Interest Income (Loss)		(287,000)	(23,000)
Provision for Loan, Lease, and Other Losses		0	0
Net Interest Income (Loss) after Provision for Credit Losses		(287,000)	(23,000)
Insurance commissions		0	0
Income from bank-owned life insurance		0	0
Net gain on loans held for sale		489,000	3,172,000
Gain on the sale of SBA loans		0	0
Total Non-Interest Income		2,377,000	3,782,000
Salaries and employee benefits		1,766,000	1,353,000
Directors’ fees and expenses		0	0
Occupancy and equipment		185,000	112,000
Data processing		0	0
Professional fees		27,000	13,000
FDIC deposit insurance assessment		0	0
Advertising		216,000	123,000
Amortization of Intangible Assets		0	0
Other		128,000	85,000
Total Non-Interest Expense		2,322,000	1,686,000
Pretax Segment Profit (Loss)		(232,000)	2,073,000
Net (Loss) Income Attributable to Noncontrolling Interest		0	0
Segment Assets		44,293,000	20,896,000
Quaint Oak Bank, Mortgage [Member] | Mortgage Banking and Abstract Fees [Member]
Non-interest revenue		669,000	433,000
Quaint Oak Bank, Mortgage [Member] | Real Estate Sales Commissions [Member]
Non-interest revenue		0	0
Quaint Oak Bank, Mortgage [Member] | Other Fees and Services Fees [Member]
Non-interest revenue		133,000	17,000
Quaint Oak Bank, Mortgage [Member] | Loan Servicing Fee [Member]
Non-interest revenue		$ 1,086,000	160,000
Mortgage Banking and Abstract Fees [Member]
Non-interest revenue			$ 637,000
[1]Includes Quaint Oak Bancorp, Inc. and the Bank’s subsidiaries, Quaint Oak Mortgage, Quaint Oak Real Estate, Quaint Oak Abstract, Quaint Oak Insurance Agency, QOB Properties, and Oakmont Commercial.