Waterstone Financial (WSBF) 10-Q 2 Nov 23 2023 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2023	Oct. 31, 2023
Document Information [Line Items]
Entity Central Index Key	0001569994
Entity Registrant Name	Waterstone Financial, Inc.
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Document Transition Report	false
Entity File Number	001-36271
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	90-1026709
Entity Address, Address Line One	11200 W. Plank Court
Entity Address, City or Town	Wauwatosa
Entity Address, State or Province	WI
Entity Address, Postal Zip Code	53226
City Area Code	414
Local Phone Number	761-1000
Title of 12(b) Security	Common Stock, $0.01 Par Value
Trading Symbol	WSBF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		20,576,571

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
Assets
Cash		$ 55,796	$ 33,700
Federal funds sold		6,237	10,683
Interest-earning deposits in other financial institutions and other short term investments		260	2,259
Cash and cash equivalents		62,293	46,642
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)		194,499	196,588
Loans held for sale, at fair value		157,421	131,188
Loans receivable		1,651,093	1,510,178
Less: Allowance for credit losses ("ACL") - loans	[1]	18,553	17,757
Loans receivable, net		1,632,540	1,492,421
Office properties and equipment, net		20,040	21,105
Federal Home Loan Bank stock, at cost		23,414	17,357
Cash surrender value of life insurance		67,522	66,443
Real estate owned, net		372	145
Prepaid expenses and other assets		63,257	59,783
Total assets		2,221,358	2,031,672
Liabilities:
Demand deposits		189,954	230,596
Money market and savings deposits		281,958	326,145
Time deposits		733,250	642,271
Total deposits		1,205,162	1,199,012
Borrowings		587,917	386,784
Advance payments by borrowers for taxes		28,238	5,334
Other liabilities		53,715	70,056
Total liabilities		1,875,032	1,661,186
Commitments and contingencies (Note 9)
Shareholders’ equity:
Preferred stock (par value $.01 per share) Authorized - 50,000,000 shares at September 30, 2023 and at December 31, 2022, no shares issued		0	0
Common stock (par value $.01 per share) Authorized - 100,000,000 shares at September 30, 2023 and at December 31, 2022, Issued and Outstanding - 20,859,649 at September 30, 2023 and 22,174,225 at December 31, 2022		209	222
Additional paid-in capital		110,020	128,550
Retained earnings		272,535	274,246
Unearned ESOP shares		(12,166)	(13,056)
Accumulated other comprehensive loss, net of taxes		(24,272)	(19,476)
Total shareholders’ equity		346,326	370,486
Total liabilities and shareholders’ equity		$ 2,221,358	$ 2,031,672
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Securities available for sale, cost	$ 225,857	$ 222,665
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	50,000,000	50,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	20,859,649	22,174,225
Common stock, shares outstanding (in shares)	20,859,649	22,174,225

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Loans		$ 23,825	$ 16,235	$ 65,860	$ 44,281
Mortgage-related securities		1,060	903	2,972	2,326
Debt securities, federal funds sold and short-term investments		1,492	987	3,682	2,964
Total interest income		26,377	18,125	72,514	49,571
Interest expense:
Deposits		7,442	981	17,485	2,511
Borrowings		6,946	1,746	16,570	5,717
Total interest expense		14,388	2,727	34,055	8,228
Net interest income		11,989	15,398	38,459	41,343
Provision for credit losses	[1]	445	332	1,091	304
Net interest income after provision for credit losses	[1]	11,544	15,066	37,368	41,039
Noninterest income:
Service charges on loans and deposits		450	529	1,491	1,705
Increase in cash surrender value of life insurance		334	354	1,373	1,394
Mortgage banking income		21,172	26,064	59,856	83,749
Other		274	457	1,589	1,612
Total noninterest income		22,230	27,404	64,309	88,460
Noninterest expenses:
Compensation, payroll taxes, and other employee benefits		21,588	26,174	64,035	77,502
Occupancy, office furniture, and equipment		1,993	2,296	6,302	6,540
Advertising		916	1,137	2,749	3,004
Data processing		1,229	1,084	3,441	3,430
Communications		243	302	719	900
Professional fees		745	393	1,779	1,203
Real estate owned		1	1	3	6
Loan processing expense		722	1,120	2,672	3,685
Other		2,584	3,187	8,350	9,408
Total noninterest expenses		30,021	35,694	90,050	105,678
Income before income taxes		3,753	6,776	11,627	23,821
Income tax expense		500	1,506	2,212	5,269
Net income		$ 3,253	$ 5,270	$ 9,415	$ 18,552
Income per share:
Basic earnings per share (in dollars per share)		$ 0.16	$ 0.25	$ 0.46	$ 0.84
Diluted earnings per share (in dollars per share)		$ 0.16	$ 0.25	$ 0.46	$ 0.83
Weighted average shares outstanding:
Weighted average shares outstanding (in shares)		19,998	21,342	20,420	22,193
Diluted (in shares)		20,022	21,454	20,473	22,323
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Net income	$ 3,253	$ 5,270	$ 9,415	$ 18,552
Other comprehensive loss, net of tax:
Net unrealized holding loss arising during the period, net of tax benefit of $1,101, $1,779, $485, and $6,667 respectively	(3,444)	(4,753)	(4,796)	(17,806)
Total other comprehensive loss	(3,444)	(4,753)	(4,796)	(17,806)
Comprehensive (loss) income	$ (191)	$ 517	$ 4,619	$ 746

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Net unrealized holding (loss) gains arising during the period, tax	$ 1,101	$ 1,779	$ 485	$ 6,667

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Unearned ESOP Shares [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned ESOP Shares [Member]	AOCI Attributable to Parent [Member]	Total
Balances (in shares) at Dec. 31, 2021							24,795
Balances at Dec. 31, 2021	$ 0	$ 0	$ (1,392)	$ 0	$ 0	$ (1,392)	$ 248	$ 174,505	$ 273,398	$ (14,243)	$ (1,135)	$ 432,773
Net income							0	0	(18,552)	0	0	(18,552)
Other comprehensive loss							0	0	0	0	(17,806)	(17,806)
Total comprehensive income (loss)												746
ESOP shares committed to be released to plan participants							0	557	0	890	0	1,447
Cash dividend							$ 0	0	(13,044)	0	0	(13,044)
Proceeds from stock option exercises (in shares)							47
Proceeds from stock option exercises							$ 0	372	0	0	0	372
Stock compensation expense							$ 0	468	0	0	0	468
Purchase of common stock returned to authorized but unissued (in shares)							(2,524)
Purchase of common stock returned to authorized but unissued							$ (25)	(45,171)	0	0	0	(45,196)
Net income							$ 0	0	18,552	0	0	18,552
Balances (in shares) at Sep. 30, 2022							22,318
Balances at Sep. 30, 2022							$ 223	130,731	277,514	(13,353)	(18,941)	376,174
Balances (in shares) at Jun. 30, 2022							22,734
Balances at Jun. 30, 2022							$ 227	137,547	276,444	(13,650)	(14,188)	386,380
Net income							0	0	(5,270)	0	0	(5,270)
Other comprehensive loss							0	0	0	0	(4,753)	(4,753)
Total comprehensive income (loss)												517
ESOP shares committed to be released to plan participants							0	166	0	297	0	463
Cash dividend							0	0	(4,200)	0	0	(4,200)
Stock compensation expense							$ 0	138	0	0	0	138
Purchase of common stock returned to authorized but unissued (in shares)							(425)
Purchase of common stock returned to authorized but unissued							$ (4)	(7,246)	0	0	0	(7,250)
Net income							$ 0	0	5,270	0	0	5,270
Stock Compensation Activity, net of tax (in shares)							9
Stock Compensation Activity, net of tax							$ 0	126	0	0	0	126
Balances (in shares) at Sep. 30, 2022							22,318
Balances at Sep. 30, 2022							$ 223	130,731	277,514	(13,353)	(18,941)	376,174
Balances (in shares) at Dec. 31, 2022							22,174
Balances at Dec. 31, 2022							$ 222	128,550	274,246	(13,056)	(19,476)	370,486
Net income							0	0	(9,415)	0	0	(9,415)
Other comprehensive loss							0	0	0	0	(4,796)	(4,796)
Total comprehensive income (loss)												4,619
ESOP shares committed to be released to plan participants							0	259	0	890	0	1,149
Cash dividend							0	0	(11,126)	0	0	(11,126)
Stock compensation expense							$ 0	222	0	0	0	222
Purchase of common stock returned to authorized but unissued (in shares)							(1,400)
Purchase of common stock returned to authorized but unissued							$ (14)	(19,829)	0	0	0	(19,843)
Net income							$ 0	0	9,415	0	0	9,415
Stock Compensation Activity, net of tax (in shares)							86
Stock Compensation Activity, net of tax							$ 1	818	0	0	0	819
Balances (in shares) at Sep. 30, 2023							20,860
Balances at Sep. 30, 2023							$ 209	110,020	272,535	(12,166)	(24,272)	346,326
Balances (in shares) at Jun. 30, 2023							21,376
Balances at Jun. 30, 2023							$ 214	116,611	272,229	(12,463)	(20,828)	355,763
Net income							0	0	(3,253)	0	0	(3,253)
Other comprehensive loss							0	0	0	0	(3,444)	(3,444)
Total comprehensive income (loss)												(191)
ESOP shares committed to be released to plan participants							0	50	0	297	0	347
Cash dividend							0	0	(2,947)	0	0	(2,947)
Stock compensation expense							$ 0	34	0	0	0	34
Purchase of common stock returned to authorized but unissued (in shares)							(516)
Purchase of common stock returned to authorized but unissued							$ (5)	(6,675)	0	0	0	(6,680)
Net income							$ 0	0	3,253	0	0	3,253
Stock Compensation Activity, net of tax (in shares)							0
Stock Compensation Activity, net of tax							$ 0	0	0	0	0	0
Balances (in shares) at Sep. 30, 2023							20,860
Balances at Sep. 30, 2023							$ 209	$ 110,020	$ 272,535	$ (12,166)	$ (24,272)	$ 346,326

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Cash dividend, price per share (in dollars per share)	$ 0.15	$ 0.2	$ 0.55	$ 0.6

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022
Operating activities:
Net income		$ 9,415	$ 18,552
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses	[1]	1,091	304
Depreciation, amortization, accretion		2,268	3,094
Deferred taxes		(583)	(361)
Stock based compensation		222	468
Origination of mortgage servicing rights		(1,515)	(2,030)
Gain on sale of mortgage servicing rights		(583)	0
Gain on sale of loans held for sale		(55,221)	(65,670)
Loans originated for sale		(1,575,962)	(2,117,010)
Proceeds on sales of loans originated for sale		1,604,950	2,309,369
Gain on death benefit on bank owned life insurance		0	(340)
Decrease in accrued interest receivable		(1,296)	(907)
Increase in cash surrender value of life insurance		(1,373)	(1,394)
Increase in derivative assets		(3,025)	(24,248)
Increase (decrease) in accrued interest on deposits and borrowings		1,725	(118)
Increase in accrued tax expense		891	1,090
(Decrease) increase in derivative liabilities		(844)	25,699
Change in other assets and other liabilities, net		(6,738)	(11,301)
Net cash (used in) provided by operating activities		(26,578)	135,197
Investing activities:
Net increase in loans receivable		(140,949)	(148,136)
Debt securities		(1,888)	(2,080)
Mortgage related securities		(18,918)	(77,388)
Bank owned life insurance		(180)	(180)
FHLB stock		(9,441)	0
Premises and equipment		(283)	(641)
Principal repayments on mortgage-related securities		15,872	27,925
Maturities of debt securities		3,614	14,860
Sales of FHLB Stock		3,384	8,688
Proceeds on sales of mortgage servicing rights		3,530	0
Death benefit on bank owned life insurance		474	1,183
Net cash used in investing activities		(144,785)	(175,769)
Financing activities:
Net decrease in deposits		6,150	(46,258)
Net change in short-term borrowings		242,133	62,824
Repayment of long-term debt		(215,000)	(270,000)
Proceeds from long-term debt		174,000	50,000
Net change in advance payments by borrowers for taxes		11,163	11,097
Cash dividends on common stock		(12,408)	(26,048)
Purchase of common stock returned to authorized but unissued		(19,843)	(45,196)
Proceeds from stock option exercises		819	372
Net cash provided by (used in) financing activities		187,014	(263,209)
Increase (decrease) in cash and cash equivalents		15,651	(303,781)
Cash and cash equivalents at beginning of period		46,642	376,722
Cash and cash equivalents at end of period		62,293	72,941
Supplemental information:
Income tax payments		1,903	4,286
Interest payments		16,112	8,110
Noncash activities:
Dividends declared but not paid in other liabilities		$ 3,229	$ 4,520
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Basis of Accounting [Text Block]	1 Basis of Presentation The unaudited interim consolidated financial statements include the accounts of Waterstone Financial, Inc. (the “Company”) and the Company’s subsidiaries. WaterStone Bank SSB (the "Bank") is a community bank that has served the banking needs of its customers since 1921. WaterStone Bank conducts its community banking business from 14 banking offices located in Milwaukee, Washington and Waukesha Counties, Wisconsin. WaterStone Bank's principal lending activity is originating one four WaterStone Bank's mortgage banking operations are conducted through its wholly-owned subsidiary, Waterstone Mortgage Corporation. Waterstone Mortgage Corporation originates single-family residential real estate loans for sale into the secondary market. Waterstone Mortgage Corporation utilizes lines of credit provided by WaterStone Bank as a primary source of funds, and also utilizes a line of credit with another financial institution as needed. The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information, Rule 10 01 X 10 not The accompanying unaudited consolidated financial statements and related notes should be read in conjunction with the Company’s December 31, 2022 10 three nine September 30, 2023 not may December 31, 2023 The preparation of the unaudited consolidated financial statements requires management of the Company to make a number of estimates and assumptions relating to the reported amount of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the period. Significant items subject to such estimates and assumptions include the allowance for credit losses, income taxes, and fair value measurements. Actual results could differ from those estimates. Subsequent Events The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the unaudited consolidated financial statements included in this Quarterly Report on Form 10 no three nine September 30, 2023 Accounting Standards Adopted in 2023 The Company adopted "Troubled Debt Restructurings and Vintage Disclosures" under ASC Topic 326 January 1, 2023, 3 326 not

Note 2 - Securities Available f

Note 2 - Securities Available for Sale	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 2 Securities Available for Sale The amortized cost and fair values of the Company’s investment in securities available for sale follow: September 30, 2023 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 13,009 $ - $ (2,096 ) $ 10,913 Collateralized mortgage obligations: Government sponsored enterprise issued 151,866 - (24,515 ) 127,351 Private-label issued 8,325 - (1,025 ) 7,300 Mortgage-related securities 173,200 - (27,636 ) 145,564 Government sponsored enterprise bonds 2,500 - (211 ) 2,289 Municipal securities 37,556 86 (2,229 ) 35,413 Other debt securities 12,500 - (1,368 ) 11,132 Debt securities 52,556 86 (3,808 ) 48,834 Other securities 101 - - 101 Total $ 225,857 $ 86 $ (31,444 ) $ 194,499 December 31, 2022 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 15,134 $ 4 $ (1,824 ) $ 13,314 Collateralized mortgage obligations Government sponsored enterprise issued 145,740 - (20,975 ) 124,765 Private-label issued 9,041 - (935 ) 8,106 Mortgage related securities 169,915 4 (23,734 ) 146,185 Government sponsored enterprise bonds 2,500 - (244 ) 2,256 Municipal securities 37,699 428 (1,193 ) 36,934 Other debt securities 12,500 - (1,338 ) 11,162 Debt securities 52,699 428 (2,775 ) 50,352 Other securities 51 - - 51 Total $ 222,665 $ 432 $ (26,509 ) $ 196,588 The Company’s mortgage-backed securities and collateralized mortgage obligations issued by government sponsored enterprises are guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae. At September 30, 2023 September 30, 2023 December 31, 2022 The amortized cost and fair values of investment securities by contractual maturity at September 30, 2023 may may Amortized Fair Cost Value (In Thousands) Debt and other securities Due within one year $ 7,296 $ 7,198 Due after one year through five years 10,986 10,751 Due after five years through ten years 20,145 18,467 Due after ten years 14,129 12,418 Mortgage-related securities 173,200 145,564 Other securities 101 101 Total $ 225,857 $ 194,499 Gross unrealized losses on securities available for sale and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position were as follows: September 30, 2023 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 493 $ 21 $ 10,420 $ 2,075 $ 10,913 $ 2,096 Collateralized mortgage obligations: Government sponsored enterprise issued 19,941 529 107,410 23,986 127,351 24,515 Private-label issued - - 6,269 1,025 6,269 1,025 Government sponsored enterprise bonds - - 2,289 211 2,289 211 Municipal securities 24,407 896 5,237 1,333 29,644 2,229 Other debt securities - - 11,132 1,368 11,132 1,368 Total $ 44,841 $ 1,446 $ 142,757 $ 29,998 $ 187,598 $ 31,444 December 31, 2022 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 8,383 $ 655 $ 4,573 $ 1,169 $ 12,956 $ 1,824 Collateralized mortgage obligations: Government sponsored enterprise issued 65,270 6,400 59,495 14,575 124,765 20,975 Private-label issued 7,012 935 - - 7,012 935 Government sponsored enterprise bonds 2,256 244 - - 2,256 244 Municipal securities 18,648 192 4,095 1,001 22,743 1,193 Other debt securities 2,362 138 8,800 1,200 11,162 1,338 Total $ 103,931 $ 8,564 $ 76,963 $ 17,945 $ 180,894 $ 26,509 The Company reviews the investment securities portfolio on a quarterly basis to monitor securities in unrealized loss positions, which were comprised of 187 individual securities, to determine whether the impairment is due to credit-related factors or noncredit-related factors. In making this evaluation, management considers the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to hold the security for a period of time sufficient to allow for any anticipated recovery in fair value. As of September 30, 2023 December 31, 2022 not not not not not During the three nine September 30, 2023 September 30, 2022

Note 3 - Loans Receivable

Note 3 - Loans Receivable	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 Loans receivable at September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 550,055 $ 469,567 Multi-family 711,660 677,981 Home equity 11,719 11,455 Construction and land 62,409 62,494 Commercial real estate 278,441 262,973 Consumer 826 774 Commercial loans 35,983 24,934 Total $ 1,651,093 $ 1,510,178 The Company provides several types of loans to its customers, including residential, construction, commercial and consumer loans. Significant loan concentrations are considered to exist for a financial institution when there are amounts loaned to one no Qualifying loans receivable totaling $1.24 billion and $976.7 million at September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 Certain of the Company's executive officers, directors, employees, and their related interests have loans with the Bank. Loans outstanding to such parties were approximately $3.2 million as of September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 An analysis of past due loans receivable as of September 30, 2023 December 31, 2022 As of September 30, 2023 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 3,620 $ 141 $ 3,926 $ 7,687 $ 542,368 $ 550,055 Multi-family 732 - - 732 710,928 711,660 Home equity 159 - 37 196 11,523 11,719 Construction and land - - - - 62,409 62,409 Commercial real estate - 129 - 129 278,312 278,441 Consumer - - - - 826 826 Commercial loans - - - - 35,983 35,983 Total $ 4,511 $ 270 $ 3,963 $ 8,744 $ 1,642,349 $ 1,651,093 As of December 31, 2022 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 2,328 $ - $ 3,618 $ 5,946 $ 463,621 $ 469,567 Multi-family - - - - 677,981 677,981 Home equity 14 - 65 79 11,376 11,455 Construction and land - - - - 62,494 62,494 Commercial real estate - 233 - 233 262,740 262,973 Consumer - - - - 774 774 Commercial loans 3 - - 3 24,931 24,934 Total $ 2,345 $ 233 $ 3,683 $ 6,261 $ 1,503,917 $ 1,510,178 ( 1 September 30, 2023 December 31, 2022 ( 2 September 30, 2023 December 31, 2022 ( 3 September 30, 2023 December 31, 2022 The following tables present the activity in the allowance for credit losses by portfolio segment for the three nine September 30, 2023 three nine September 30, 2022 One- to Four-Family Multi-Family Home Equity Land and Construction Commercial Real Estate Consumer Commercial Total (In Thousands) Nine months ended September 30, 2023 Balance at beginning of period $ 4,743 $ 7,975 $ 174 $ 1,352 $ 3,199 $ 47 $ 267 $ 17,757 Provision (credit) for credit losses - loans 1,412 (248 ) 7 (189 ) (458 ) 36 269 829 Charge-offs (63 ) - - - - (29 ) - (92 ) Recoveries 46 5 4 2 2 - - 59 Balance at end of period $ 6,138 $ 7,732 $ 185 $ 1,165 $ 2,743 $ 54 $ 536 $ 18,553 Nine months ended September 30, 2022 Balance at beginning of period $ 3,963 $ 5,398 $ 89 $ 1,386 $ 4,482 $ 33 $ 427 $ 15,778 Adoption of CECL 88 100 58 886 (640 ) 7 (69 ) 430 Provision (credit) for credit losses - loans 644 1,338 29 (763 ) (417 ) 19 (150 ) 700 Charge-offs (254 ) - - - - (12 ) - (266 ) Recoveries 55 727 14 2 12 - - 810 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 One to-Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Three months ended September 30, 2023 Balance at beginning of period $ 6,529 $ 7,425 $ 169 $ 1,060 $ 2,600 $ 53 $ 538 $ 18,374 Provision (credit) for credit losses - loans (364 ) 305 16 105 142 4 (2 ) 206 Charge-offs (34 ) - - - - (3 ) - (37 ) Recoveries 7 2 - - 1 - - 10 Balance at end of period $ 6,138 $ 7,732 $ 185 $ 1,165 $ 2,743 $ 54 $ 536 $ 18,553 Three months ended September 30, 2022 Balance at beginning of period $ 4,629 $ 7,391 $ 163 $ 1,690 $ 3,160 $ 42 $ 196 $ 17,271 Provision (credit) for credit losses - loans 44 171 23 (179 ) 277 12 12 360 Charge-offs (189 ) - - - - (7 ) - (196 ) Recoveries 12 1 4 - - - - 17 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 The Company utilized the Vintage Loss Rate method in determining expected future credit losses. This technique considers losses over the full life cycle of loan pools. A vintage is a group of loans originated in the same annual time period. The loss rate method measures the amount of loan charge–offs, net of recoveries, (“loan losses”) recognized over the life of a pool by loan segment and vintage and compares those loan losses to the original loan balance of that pool as of a similar vintage. To estimate a CECL loss rate for the pool, management first The Company’s expected loss estimate is anchored in historical credit loss experience, with an emphasis on all available portfolio data. The Company's historical look–back period includes January 2012 not may Additionally, the weighted average remaining maturity ("WARM") method is used for the Construction and Consumer loan pools. The WARM method considers an estimate of expected credit losses over the remaining life of the financial assets and uses average annual charge-off rates to estimate the allowance for credit losses. For amortizing assets, the remaining contractual life is adjusted by the expected scheduled payments and prepayments. The average annual charge-off rate is applied to the amortization-adjusted remaining life to determine the unadjusted lifetime historical charge-off rate. Qualitative reserves reflect management’s overall estimate of the extent to which current expected credit losses on collectively evaluated loans will differ from historical loss experience. The analysis takes into consideration other analytics performed within the organization, such as enterprise and concentration management. Management attempts to quantify qualitative reserves whenever possible. The CECL methodology applied focuses on evaluation of qualitative and environmental factors, including but not x The Company’s CECL estimate applies a forecast that incorporates macroeconomic trends and other environmental factors. Management utilized national, regional and local leading economic indexes, as well as management judgment, as the basis for the forecast period. The historical loss rate was utilized as the base rate, and qualitative adjustments and future forecast adjustments were applied. The Company segments the loan portfolio into pools based on the following risk characteristics: collateral type, credit characteristics, loan origination balance, and outstanding loan balances. Allowance for Credit Losses-Unfunded Commitments : In addition to the ACL-Loans, the Company has established an ACL-Unfunded commitments, classified in other liabilities on the consolidated statements of financial condition. This reserve is maintained at a level that management believes is sufficient to absorb losses arising from unfunded loan commitments, and is determined quarterly based on methodology similar to the methodology for determining the ACL-Loans. The allowance for unfunded commitments at September 30, 2023 December 31, 2022 Provision for Credit Losses : The provision for credit losses is determined by the Company as the amount to be added to the ACL loss accounts for various types of financial instruments including loans, investment securities, and off-balance sheet credit exposures after net charge-offs have been deducted to bring the ACL to a level that, in management's judgment, is necessary to absorb expected credit losses over the lives of the respective financial instruments. See Note 2 Three months ended Nine months ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 (In Thousands) Provision (credit) for credit losses on: Loans $ 206 $ 360 $ 829 $ 700 Unfunded commitments 239 (28 ) 262 (396 ) Investment securities - - - - Total $ 445 $ 332 $ 1,091 $ 304 Collateral Dependent Loans : A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. For collateral dependent loans, expected credit losses are based on the estimated fair value of the collateral at the balance sheet date, with consideration for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. The following tables present collateral dependent loans by portfolio segment and collateral type, including those loans with and without a related allowance allocation. The following tables present collateral dependent loans by portfolio segment and collateral type as of September 30, 2023 December 31, 2022 One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to collateral dependent loans $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to pooled loans 6,138 7,732 185 1,165 2,743 54 536 18,553 Allowance at end of period $ 6,138 $ 7,732 $ 185 $ 1,165 $ 2,743 $ 54 $ 536 $ 18,553 Collateral dependent loans $ 1,527 $ - $ 37 $ - $ 5,368 $ - $ 1,421 $ 8,353 Pooled loans 548,528 711,660 11,682 62,409 273,073 826 34,562 1,642,740 Total gross loans $ 550,055 $ 711,660 $ 11,719 $ 62,409 $ 278,441 $ 826 $ 35,983 $ 1,651,093 One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to collateral dependent loans $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to pooled loans 4,743 7,975 174 1,352 3,199 47 267 17,757 Allowance at end of period $ 4,743 $ 7,975 $ 174 $ 1,352 $ 3,199 $ 47 $ 267 $ 17,757 Collateral dependent loans $ 2,584 $ - $ 40 $ - $ 5,455 $ - $ - $ 8,079 Pooled loans 466,983 677,981 11,415 62,494 257,518 774 24,934 1,502,099 Total gross loans $ 469,567 $ 677,981 $ 11,455 $ 62,494 $ 262,973 $ 774 $ 24,934 $ 1,510,178 The Company's procedures dictate that an updated valuation must be obtained with respect to underlying collateral at the time a loan is deemed impaired. Updated valuations may Estimated fair values are reduced to account for sales commissions, broker fees, unpaid property taxes and additional selling expenses to arrive at an estimated net realizable value. The adjustment factor is based upon the Company's actual experience with respect to sales of real estate owned over the prior two one With respect to multi-family income-producing real estate, appraisals are reviewed and estimated collateral values are adjusted by updating significant appraisal assumptions to reflect current real estate market conditions. Significant assumptions reviewed and updated include the capitalization rate, rental income and operating expenses. These adjusted assumptions are based upon recent appraisals received on similar properties as well as on actual experience related to real estate owned and currently under Company management. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company establishes a risk rating at origination for all commercial loan and commercial real estate relationships. For relationships over $1 million, management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt. Management also affirms the risk ratings for the loans in their respective portfolios on an annual basis. The Company uses the following definitions for risk ratings: Watch. may not not Substandard. not Loans not The following table presents information relating to the Company’s internal risk ratings of its loans receivable as of September 30, 2023 December 31, 2022 One to Four-Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) At September 30, 2023 Substandard $ 3,958 $ - $ 37 $ - $ 5,367 $ - $ 1,421 $ 10,783 Watch 10,277 380 142 - 269 - - 11,068 Pass 535,820 711,280 11,540 62,409 272,805 826 34,562 1,629,242 $ 550,055 $ 711,660 $ 11,719 $ 62,409 $ 278,441 $ 826 $ 35,983 $ 1,651,093 At December 31, 2022 Substandard $ 4,209 $ - $ 98 $ - $ 5,454 $ - $ 61 $ 9,822 Watch 5,696 192 96 2,227 5,203 - 2,023 15,437 Pass 459,662 677,789 11,261 60,267 252,316 774 22,850 1,484,919 $ 469,567 $ 677,981 $ 11,455 $ 62,494 $ 262,973 $ 774 $ 24,934 $ 1,510,178 Credit Quality Information: The following table presents total loans by risk categories and year of origination as of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total (In Thousands) One- to four-family Pass $ 183,187 $ 170,153 $ 46,971 $ 34,576 $ 20,290 $ 79,596 $ 1,047 $ 535,820 Watch 8,327 - - - - 1,950 - 10,277 Substandard 890 534 - - - 2,534 - 3,958 Total 192,404 170,687 46,971 34,576 20,290 84,080 1,047 550,055 Multi-family Pass 102,253 221,619 141,033 131,394 39,533 74,011 1,437 $ 711,280 Watch 192 - - - - 188 - 380 Substandard - - - - - - - - Total 102,445 221,619 141,033 131,394 39,533 74,199 1,437 711,660 Home equity Pass 1,012 259 78 151 88 397 9,555 $ 11,540 Watch - - 86 - - - 56 142 Substandard - 19 18 - - - - 37 Total 1,012 278 182 151 88 397 9,611 11,719 Construction and land Pass 24,833 1,186 24,831 2,166 9,196 197 - $ 62,409 Watch - - - - - - - - Substandard - - - - - - - - Total 24,833 1,186 24,831 2,166 9,196 197 - 62,409 Commercial Real Estate Pass 57,221 76,878 48,433 35,508 19,810 33,750 1,205 $ 272,805 Watch - 129 - - 140 - - 269 Substandard 5,279 - - 88 - - - 5,367 Total 62,500 77,007 48,433 35,596 19,950 33,750 1,205 278,441 Consumer Pass - - - - - - 826 $ 826 Watch - - - - - - - - Substandard - - - - - - - - Total - - - - - - 826 826 Commercial Pass 16,274 1,775 986 2,798 106 5,569 7,054 $ 34,562 Watch - - - - - - - - Substandard - 52 - - 19 - 1,350 1,421 Total 16,274 1,827 986 2,798 125 5,569 8,404 35,983 Total Loans $ 399,468 $ 472,604 $ 262,436 $ 206,681 $ 89,182 $ 198,192 $ 22,530 $ 1,651,093 Gross charge-offs $ 63 $ - $ - $ - $ - $ - $ 29 $ 92 The following table presents total loans by risk categories and year of origination as of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total (In Thousands) One- to four-family Pass $ 246,437 $ 55,494 $ 37,438 $ 21,813 $ 20,580 $ 76,568 $ 1,332 $ 459,662 Watch 4,823 - - - - 873 - 5,696 Substandard 218 1,255 519 - - 2,217 - 4,209 Total 251,478 56,749 37,957 21,813 20,580 79,658 1,332 469,567 Multi-family Pass 255,100 144,731 139,386 44,221 22,689 70,905 757 677,789 Watch - - - - - 192 - 192 Substandard - - - - - - - - Total 255,100 144,731 139,386 44,221 22,689 71,097 757 677,981 Home equity Pass 290 81 865 104 174 82 9,665 11,261 Watch - 96 - - - - - 96 Substandard 22 18 - - - - 58 98 Total 312 195 865 104 174 82 9,723 11,455 Construction and land Pass 2,958 49,092 2,308 5,690 123 96 - 60,267 Watch - - - 2,227 - - - 2,227 Substandard - - - - - - - - Total 2,958 49,092 2,308 7,917 123 96 - 62,494 Commercial Real Estate Pass 87,971 53,788 39,015 24,795 21,467 24,595 685 252,316 Watch 1,616 - 95 2,226 1,266 - - 5,203 Substandard - - - - 5,454 - - 5,454 Total 89,587 53,788 39,110 27,021 28,187 24,595 685 262,973 Consumer Pass 19 - - - - - 755 774 Watch - - - - - - - - Substandard - - - - - - - - Total 19 - - - - - 755 774 Commercial Pass 9,385 1,228 1,256 240 936 5,622 4,183 22,850 Watch - - 1,928 - - 92 3 2,023 Substandard 61 - - - - - - 61 Total 9,446 1,228 3,184 240 936 5,714 4,186 24,934 Total Loans $ 608,900 $ 305,783 $ 222,810 $ 101,316 $ 72,689 $ 181,242 $ 17,438 $ 1,510,178 The following presents data on restructurings of financing receivables whose borrowers are experiencing financial difficulty: As of September 30, 2023 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 309 1 $ 309 1 $ - - $ 309 1 $ 309 1 The following presents data on troubled debt restructurings: As of December 31, 2022 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 936 4 $ 936 4 $ - - $ 936 4 $ 936 4 The following presents restructurings of financing receivables whose borrowers are experiencing financial difficulty by concession type: As of September 30, 2023 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 309 1 $ - - $ 309 1 $ 309 1 $ - - $ 309 1 The following presents troubled debt restructurings by concession type: As of December 31, 2022 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 399 2 $ - - $ 399 2 Interest reduction 18 1 - - 18 1 Principal forbearance 519 1 - - 519 1 $ 936 4 $ - - $ 936 4 There were no three nine September 30, 2023 three September 30, 2022 two nine September 30, 2022 There were no restructurings of financing receivables whose borrowers are experiencing financial difficulty within the past twelve three nine September 30, 2023 September 30, 2022 The following table presents data on non-accrual loans as of September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 (Dollars in Thousands) Non-accrual loans: Residential One- to four-family $ 3,958 $ 4,209 Multi-family - - Home equity 37 98 Construction and land - - Commercial real estate 88 - Commercial - - Consumer - - Total non-accrual loans $ 4,083 $ 4,307 Total non-accrual loans to total loans receivable 0.25 % 0.29 % Total non-accrual loans to total assets 0.18 % 0.21 % Residential one four September 30, 2023 December 31, 2022

Note 4 - Mortgage Servicing Rig

Note 4 - Mortgage Servicing Rights	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Transfers and Servicing of Financial Assets [Text Block]	Note 4 Mortgage Servicing Rights The following table presents the activity in the Company’s mortgage servicing rights: Nine months ended September 30, 2023 2022 (In Thousands) Mortgage servicing rights at beginning of the period $ 3,445 $ 1,555 Additions 1,515 2,030 Amortization (208 ) (437 ) Sales (2,767 ) - Mortgage servicing rights at end of the period 1,985 3,148 Valuation allowance recovered during the period - 7 Mortgage servicing rights at end of the period, net $ 1,985 $ 3,155 During the nine September 30, 2023 September 30, 2023 December 31, 2022 not The fair value of mortgage servicing rights was $2.5 million at September 30, 2023 December 31, 2022 During the nine September 30, 2023 three September 30, 2023, three nine September 30, 2022 The following table shows the estimated future amortization expense for mortgage servicing rights for the periods indicated: (In Thousands) Estimate for the annual period ending December 31: 2023 $ 83 2024 346 2025 268 2026 250 2027 221 Thereafter 817 Total $ 1,985

Note 5 - Deposits

Note 5 - Deposits	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 5 Deposits At September 30, 2023 December 31, 2022 $250,000 not $250,000 A summary of the contractual maturities of time deposits at September 30, 2023 (In Thousands) Within one year $ 663,438 More than one to two years 66,834 More than two to three years 1,651 More than three to four years 921 More than four through five years 406 $ 733,250 Certain directors and executive officers, including their immediate families and companies in which they are principal owners, are depositors of the Bank. Such deposits amounted to $7.9 million and $9.2 million at September 30, 2023 December 31, 2022

Note 6 - Borrowings

Note 6 - Borrowings	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Debt Disclosure [Text Block]	Note 6 Borrowings Borrowings consist of the following: September 30, 2023 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Millions) FHLB advances Long-term $ 25.0 November 3, 2025 4.09 % Fixed Putable November 1, 2023 Quarterly Long-term 25.0 November 7, 2025 4.25 % Fixed Putable November 7, 2023 Quarterly Long-term 50.0 December 14, 2027 1.73 % Fixed Putable December 16, 2019 Single Long-term 25.0 July 24, 2028 3.48 % Fixed Putable November 24, 2023 Quarterly Long-term 14.0 July 27, 2028 3.52 % Fixed Putable November 27, 2023 Quarterly Long-term 10.0 August 7, 2028 3.51 % Fixed Putable December 7, 2023 Quarterly Long-term 10.0 August 8, 2028 3.52 % Fixed Putable December 8, 2023 Quarterly Total FHLB long-term advances 159.0 3.15 % Short-term 10.0 October 2, 2023 3.49 % Fixed N/A N/A N/A Short-term 20.0 October 2, 2023 5.45 % Fixed N/A N/A N/A Short-term 83.0 October 2, 2023 5.45 % Fixed N/A N/A N/A Short-term 20.0 October 5, 2023 5.37 % Fixed N/A N/A N/A Short-term 14.5 October 12, 2023 5.36 % Fixed N/A N/A N/A Short-term 27.5 October 16, 2023 5.38 % Fixed N/A N/A N/A Short-term 14.0 October 16, 2023 5.38 % Fixed N/A N/A N/A Short-term 27.5 October 18, 2023 5.36 % Fixed N/A N/A N/A Short-term 27.0 October 27, 2023 5.38 % Fixed N/A N/A N/A Short-term 29.5 November 3, 2023 5.43 % Fixed N/A N/A N/A Short-term 30.5 November 27, 2023 5.42 % Fixed N/A N/A N/A Short-term 22.5 December 5, 2023 5.46 % Fixed N/A N/A N/A Total FHLB short-term advances 326.0 5.36 % Total FHLB advances $ 485.0 4.63 % Short-Term Borrowings Federal reserve bank Short-term $ 50.0 July 18, 2024 5.36 % Fixed N/A N/A N/A Federal reserve bank Short-term 50.0 September 6, 2024 5.50 % Fixed N/A N/A N/A Total federal reserve bank 100.0 5.43 % Repurchase agreements Revolving 2.9 N/A 8.17 % Variable N/A N/A N/A Total short-term borrowings 102.9 5.51 % Total borrowings $ 587.9 4.79 % December 31, 2022 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Millions) FHLB advances Long-term $ 50.0 September 22, 2025 3.50 % Fixed Putable September 20, 2023 Single Long-term 50.0 December 14, 2027 1.73 % Fixed Putable December 16, 2019 Single Long-term 25.0 November 3, 2025 4.09 % Fixed Putable November 1, 2023 Quarterly Long-term 25.0 November 7, 2025 4.25 % Fixed Putable November 7, 2023 Quarterly Long-term 25.0 November 24, 2025 3.82 % Fixed Putable May 22, 2023 Quarterly Long-term 25.0 December 1, 2032 2.35 % Fixed Putable March 1, 2023 Quarterly Total FHLB long-term advances 200.0 3.12 % Short-term 7.7 January 9, 2023 4.16 % Fixed N/A N/A N/A Short-term 25.0 January 23, 2023 4.23 % Fixed N/A N/A N/A Short-term 20.0 January 23, 2023 4.23 % Fixed N/A N/A N/A Short-term 48.0 January 30, 2023 4.25 % Fixed N/A N/A N/A Short-term 20.0 January 6, 2023 4.29 % Fixed N/A N/A N/A Short-term 50.0 January 6, 2023 4.29 % Fixed N/A N/A N/A Short-term 15.0 January 4, 2023 4.31 % Fixed N/A N/A N/A Total FHLB short-term advances 185.7 4.26 % Total FHLB advances $ 385.7 3.67 % Short-Term Borrowings Repurchase agreements Revolving $ 1.1 N/A 7.21 % Variable N/A N/A N/A Total short-term borrowings 1.1 7.21 % Total borrowings $ 386.8 0.24 % The short-term repurchase agreement represents the outstanding portion of a total $50.0 million commitment with one September 30, 2023 September 30, 2023 December 31, 2022 The Company enters into agreements under which it sells securities subject to an obligation to repurchase the same or similar securities. In addition, the Company enters into agreements under which it sells loans held for sale subject to an obligation to repurchase the same loans. Under these arrangements, the Company may not no The Federal Reserve Bank (“FRB”) created a new borrowing facility called the Bank Term Funding Program. This program allows a bank to borrow against its investment portfolio, at par value, with no one no September 30, 2023 March 11, 2024. At September 30, 2023 The Company selects loans that meet underwriting criteria established by the FHLB as collateral for outstanding advances. The Company’s borrowings from the FHLB are limited to 78% of the carrying value of unencumbered one four September 30, 2023 December 31, 2022

Note 7 - Regulatory Capital

Note 7 - Regulatory Capital	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 7 Regulatory Capital The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements, or overall financial performance deemed by the regulators to be inadequate, can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Company's and Bank’s assets, liabilities, and certain off-balance-sheet items, as calculated under regulatory accounting practices. The Company's and Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. As required by applicable legislation, the federal banking agencies were required to develop a “Community Bank Leverage Ratio” (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 may The federal banking agencies must set the minimum capital for the new Community Bank Leverage Ratio at not 8% not 10%. 9%. second 2020. Prompt corrective action regulations provide five not The minimum capital ratios set forth in the Regulatory Capital Plans will be increased and other minimum capital requirements will be established if and as necessary. In accordance with the Regulatory Capital Plans, the Bank will not 1 2.5%. As of September 30, 2023 no The Bank is subject to regulatory restrictions on the amount of dividends it may not The actual and required capital amounts and ratios for the Bank as of September 30, 2023 December 31, 2022 September 30, 2023 Actual For Capital Adequacy Purposes Minimum Capital Adequacy with Capital Buffer To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) Total Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. $ 389,638 21.72 % $ 143,550 8.00 % $ 188,400 10.50 % N/A N/A Waterstone Bank 357,685 19.93 % 143,550 8.00 % 188,400 10.50 % 179,432 10.00 % Tier I Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 369,484 20.59 % 107,660 6.00 % 152,520 8.50 % N/A N/A Waterstone Bank 337,531 18.81 % 107,660 6.00 % 152,520 8.50 % 143,545 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 369,484 20.59 % 80,740 4.50 % 125,600 7.00 % N/A N/A Waterstone Bank 337,531 18.81 % 80,740 4.50 % 125,600 7.00 % 116,631 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 369,484 16.72 % 88,380 4.00 % N/A N/A N/A N/A Waterstone Bank 337,531 15.28 % 88,380 4.00 % N/A N/A 110,474 5.00 % State of Wisconsin (to total assets) Waterstone Bank 337,531 15.22 % 133,020 6.00 % N/A N/A N/A N/A December 31, 2022 Actual For Capital Adequacy Purposes Minimum Capital Adequacy with Capital Buffer To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) Total capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. $ 407,099 24.36 % $ 133,709 8.00 % $ 175,493 10.50 % N/A N/A Waterstone Bank 359,623 21.52 % 133,690 8.00 % 175,468 10.50 % 167,112 10.00 % Tier I capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 389,342 23.29 % 100,281 6.00 % 142,065 8.50 % N/A N/A Waterstone Bank 341,866 20.46 % 100,267 6.00 % 142,045 8.50 % 133,690 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 389,342 23.29 % 75,211 4.50 % 116,995 7.00 % N/A N/A Waterstone Bank 341,866 20.46 % 75,200 4.50 % 116,978 7.00 % 108,623 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 389,342 19.45 % 80,080 4.00 % N/A N/A N/A N/A Waterstone Bank 341,866 17.08 % 80,080 4.00 % N/A N/A 100,100 5.00 % State of Wisconsin (to total assets) Waterstone Bank 341,866 16.87 % 121,624 6.00 % N/A N/A N/A N/A

Note 8 - Commitments, Off-Balan

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	Note 8 Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the consolidated statements of financial condition. The contract or notional amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments. September 30, 2023 December 31, 2022 (In Thousands) Financial instruments whose contract amounts represent potential credit risk: Commitments to extend credit under amortizing loans (1) $ 31,047 $ 61,223 Commitments to extend credit under home equity lines of credit (2) 11,219 9,550 Unused portion of construction loans (3) 91,291 48,530 Unused portion of business lines of credit 11,343 17,356 Standby letters of credit 688 1,516 ( 1 Commitments for loans are extended to customers for up to 90 days after which they expire. Excludes commitments to originate loans held for sale, which are discussed in the following footnote. ( 2 Unused portions of home equity loans are available to the borrower for up to 10 years. ( 3 Unused portions of construction loans are available to the borrower for up to one Commitments to extend credit are agreements to lend to a customer as long as there is no may Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third The Company has determined that there are no probable losses related to commitments to extend credit or the standby letters of credit as of September 30, 2023 December 31, 2022 3 Residential mortgage loans sold to others are predominantly conventional residential first first September 30, 2023 December 31, 2022 In the normal course of business, the Company, or its subsidiaries, are involved in various legal proceedings. In the opinion of management, any liability resulting from pending proceedings would not

Note 9 - Derivative Financial I

Note 9 - Derivative Financial Instruments	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	Note 9 Derivative Financial Instruments Mortgage Banking Derivatives In connection with its mortgage banking activities, the Company enters into derivative financial instruments as part of its strategy to manage its exposure to changes in interest rates. Mortgage banking derivatives include interest rate lock commitments provided to customers to fund mortgage loans to be sold in the secondary market and forward commitments for the future delivery of such loans. It is the Company’s practice to enter into forward commitments for the future delivery of residential mortgage loans when interest rate lock commitments are entered into in order to economically hedge the effect of future changes in interest rates on its commitments to fund the loans as well as on its portfolio of mortgage loans held-for-sale. The Company’s mortgage banking derivatives have not not 815. not not Derivative Loan Commitments Mortgage loan commitments qualify as derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. The Company enters into commitments to fund residential mortgage loans at specified times in the future, with the intention that these loans will subsequently be sold in the secondary market. A mortgage loan commitment binds the Company to lend funds to a potential borrower at a specified interest rate and within a specified period of time, generally up to 60 Outstanding derivative loan commitments expose the Company to the risk that the price of the loans arising from exercise of the loan commitment might decline from inception of a rate lock to funding of the loan due to increases in mortgage interest rates. If interest rates increase, the value of these loan commitments decreases. Conversely, if interest rates decrease, the value of these loan commitments increases. Forward Loan Sale Commitments The Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. With a “mandatory delivery” contract, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price on or before a specified date. If the Company fails to deliver the number of mortgages necessary to fulfill the commitment by the specified date, it is obligated to pay a “pair-off” fee, based on then-current market prices, to the investor to compensate the investor for the shortfall. With a “best efforts” contract, the Company commits to deliver an individual mortgage loan of a specified principal amount and quality to an investor if the loan to the underlying borrower closes. Generally, the price the investor will pay the seller for an individual loan is specified prior to the loan being funded (e.g., on the same day the lender commits to lend funds to a potential borrower). The Company expects that these forward loan sale commitments will experience changes in fair value opposite to the change in fair value of derivative loan commitments. Interest Rate Swaps The Company may third not The following tables presents the outstanding notional balances and fair values of outstanding derivative instruments: September 30, 2023 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 316.5 Other assets $ 3.3 Other liabilities $ 1.0 Interest rate locks 219.7 Other assets 0.6 Other liabilities - Interest rate swaps 88.8 Other assets 16.0 Other liabilities 16.0 December 31, 2022 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 296.0 Other assets $ 1.9 Other liabilities $ 3.6 Interest rate locks 203.1 Other assets 0.7 Other liabilities - Interest rate swaps 90.5 Other assets 14.2 Other liabilities 14.2 In determining the fair value of its derivative loan commitments, the Company considers the value that would be generated by the loan arising from exercise of the loan commitment when sold in the secondary mortgage market. That value includes the price that the loan is expected to be sold for in the secondary mortgage market. The fair value of these commitments is recorded on the consolidated statements of financial condition with the changes in fair value recorded as a component of mortgage banking income. The significant unobservable input used in the fair value measurement of the Company's mortgage banking derivatives, including interest rate lock commitments, is the loan pull through rate. This represents the percentage of loans currently in a lock position which the Company estimates will ultimately close. Generally, the fair value of an interest rate lock commitment will be positively (negatively) impacted when the prevailing interest rate is lower (higher) than the interest rate lock commitment. Generally, an increase in the pull through rate will result in the fair value of the interest rate lock increasing when in a gain position, or decreasing when in a loss position. The pull through rate is largely dependent on the loan processing stage that a loan is currently in and the change in prevailing interest rates from the time of the rate lock. The pull through rate is computed using historical data and the ratio is periodically reviewed by the Company. Interest Rate Swaps The back-to-back swaps mature in December 2029 June 2037. not September 30, 2023 December 31, 2022 no No September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022

Note 10 - Earnings Per Share

Note 10 - Earnings Per Share	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 10 Earnings Per Share Earnings per share are computed using the two There were 199,000 and 158,000 antidilutive shares of common stock for the three September 30, 2023 2022 nine September 30, 2023 2022 Presented below are the calculations for basic and diluted earnings per share: Three months ended September 30, Nine months ended September 30, 2023 2022 2023 2022 (In Thousands, except per share amounts) Net income $ 3,253 $ 5,270 $ 9,415 $ 18,552 Weighted average shares outstanding 19,998 21,342 20,420 22,193 Effect of dilutive potential common shares 24 112 53 130 Diluted weighted average shares outstanding $ 20,022 $ 21,454 $ 20,473 $ 22,323 Basic earnings per share $ 0.16 $ 0.25 $ 0.46 $ 0.84 Diluted earnings per share $ 0.16 $ 0.25 $ 0.46 $ 0.83

Note 11 - Fair Value Measuremen

Note 11 - Fair Value Measurements	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 11 Fair Value Measurements ASC Topic 820, not not 1 2 3 The fair value hierarchy prioritizes inputs used to measure fair value into three Level 1 1 Level 2 2 1 2 Level 3 3 In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability. The following table presents information about our assets recorded in the consolidated statements of financial condition at their fair value on a recurring basis as of September 30, 2023 December 31, 2022 Fair Value Measurements Using September 30, 2023 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 10,913 $ - $ 10,913 $ - Collateralized mortgage obligations Government sponsored enterprise issued 127,351 - 127,351 - Private-label issued 7,300 - 7,300 - Government sponsored enterprise bonds 2,289 - 2,289 - Municipal securities 35,413 - 35,413 - Other debt securities 11,132 - 11,132 - Other securities 101 - 101 - Loans held for sale 157,421 - 157,421 - Mortgage banking derivative assets 3,870 - - 3,870 Interest rate swap assets 16,000 - 16,000 - Liabilities Mortgage banking derivative liabilities 994 - - 994 Interest rate swap liabilities 16,000 - 16,000 - Fair Value Measurements Using December 31, 2022 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 13,314 $ - $ 13,314 $ - Collateralized mortgage obligations Government sponsored enterprise issued 124,765 - 124,765 - Private-label issued 8,106 - 8,106 - Government sponsored enterprise bonds 2,256 - 2,256 - Municipal securities 36,934 - 36,934 - Other debt securities 11,162 - 11,162 - Other securities 51 - 51 - Loans held for sale 131,188 - 131,188 - Mortgage banking derivative assets 2,619 - - 2,619 Interest rate swap assets 14,226 - 14,226 - Liabilities Mortgage banking derivative liabilities 3,613 - - 3,613 Interest rate swap liabilities 14,226 - 14,226 - The following summarizes the valuation techniques for assets recorded in the consolidated statements of financial condition at their fair value on a recurring basis: Available-for-sale securities – The Company’s investment securities classified as available for sale include: mortgage-backed securities, collateralized mortgage obligations, government sponsored enterprise bonds, municipal securities and other debt securities. The fair value of mortgage-backed securities, collateralized mortgage obligations and government sponsored enterprise bonds are determined by a third 2 third 2 Loans held for sale – The Company carries loans held for sale at fair value under the fair value option model. Fair value is generally determined by estimating a gross premium or discount, which is derived from pricing currently observable in the secondary market, principally from observable prices for forward sale commitments. Loans held-for-sale are considered to be Level 2 Mortgage banking derivatives - Mortgage banking derivatives include interest rate lock commitments to originate residential loans held for sale to individual customers and forward commitments to sell residential mortgage loans to various investors. The Company utilizes a valuation model to estimate the fair value of its interest rate lock commitments to originate residential mortgage loans held for sale, which includes applying a pull through rate based upon historical experience and the current interest rate environment and then multiplying by quoted investor prices. The Company also utilizes a valuation model to estimate the fair value of its forward commitments to sell residential loans, which includes matching specific terms and maturities of the forward commitments against applicable investor pricing available. While there are Level 2 3 one 3 Interest rate swap assets/liabilities - The Company offers loan level swaps to its customers and offsets its exposure from such contracts by entering into mirror image swaps with a financial institution / swap counterparty. The fair values of derivatives are based on valuation models using observable market data as of the measurement date. Our derivatives are traded in an over-the-counter market where quoted market prices are not third 2 The table below presents reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3 2023 2022 Three months ended September 30, Nine months ended September 30, 2023 2022 2023 2022 (In Thousands) (In Thousands) Mortgage derivative, net balance at the beginning of the period $ 2,504 $ (143 ) $ (994 ) $ 4,369 Mortgage derivative gain (loss), net 372 3,062 3,870 (1,450 ) Mortgage derivative, net balance at the end of the period $ 2,876 $ 2,919 $ 2,876 $ 2,919 There were no transfers in or out of Level 1, 2 3 Assets Recorded at Fair Value on a Non-recurring Basis The following tables present information about assets recorded in the consolidated statements of financial condition at their fair value on a non-recurring basis as of September 30, 2023 December 31, 2022 Fair Value Measurements Using September 30, 2023 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 372 $ - $ - $ 372 Fair Value Measurements Using December 31, 2022 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 145 $ - $ - $ 145 Real estate owned – On a non-recurring basis, real estate owned is recorded in the consolidated statements of financial condition at the lower of cost or fair value. Fair value is determined based on third 3 Mortgage servicing rights – The Company utilizes an independent valuation from a third 3 For Level 3 September 30, 2023 December 31, 2022 Significant Unobservable Input Value Fair Value at Significant September 30, Valuation Unobservable Minimum Maximum Weighted 2023 Technique Inputs Value Value Average (Dollars in Thousands) Mortgage banking derivatives $ 2,876 Pricing models Pull through rate 30.8 % 100.0 % 90.0 % Real estate owned 372 Market approach Discount rates applied to appraisals 34.8 % 81.8 % 63.0 % December 31, 2022 Mortgage banking derivatives $ (994 ) Pricing models Pull through rate 20.6 % 100.0 % 89.2 % Real estate owned 145 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. Fair value information about financial instruments follows, whether or not not not not The carrying amounts and fair values of the Company’s financial instruments consist of the following: September 30, 2023 December 31, 2022 Carrying Fair Value Carrying Fair Value amount Total Level 1 Level 2 Level 3 amount Total Level 1 Level 2 Level 3 (In Thousands) Financial Assets Cash and cash equivalents $ 62,293 $ 62,293 $ 62,293 $ - $ - $ 46,642 $ 46,642 $ 46,642 $ - $ - Loans receivable 1,651,093 1,499,165 - - 1,499,165 1,510,178 1,403,429 - - 1,403,429 FHLB stock 23,414 23,414 23,414 - - 17,357 17,357 17,357 - - Accrued interest receivable 7,021 7,021 7,021 - - 5,725 5,725 5,725 - - Mortgage servicing rights 1,985 2,462 - - 2,462 3,444 5,001 - - 5,001 Financial Liabilities Deposits 1,205,162 1,203,809 471,912 731,897 - 1,199,012 1,194,559 556,741 637,818 - Advance payments by borrowers for taxes 28,238 28,238 28,238 - - 5,334 5,334 5,334 - - Borrowings 587,917 577,275 - 577,275 - 386,784 377,275 - 377,275 - Accrued interest payable 3,082 3,082 3,082 - - 1,358 1,358 1,358 - - The following methods and assumptions were used by the Company in determining its fair value disclosures for financial instruments. Cash and Cash Equivalents The carrying amount reported in the consolidated statements of financial condition for cash and cash equivalents is a reasonable estimate of fair value. Loans Receivable The fair value estimation process for the loan portfolio uses an exit price concept and reflects discounts the Company believes are consistent with discounts in the marketplace. Fair values are estimated for portfolios of loans with similar characteristics. Loans are segregated by type such as one four FHLB Stock For FHLB stock, the carrying amount is the amount at which shares can be redeemed with the FHLB and is a reasonable estimate of fair value. Deposits and Advance Payments by Borrowers for Taxes The fair values for interest-bearing and noninterest-bearing negotiable order of withdrawal accounts, savings accounts, and money market accounts are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates of similar remaining maturities to a schedule of aggregated expected monthly maturities of the outstanding certificates of deposit. The advance payments by borrowers for taxes are equal to their carrying amounts at the reporting date. Borrowings Fair values for borrowings are estimated using a discounted cash flow calculation that applies current interest rates to estimated future cash flows of the borrowings. Accrued Interest Payable and Accrued Interest Receivable For accrued interest payable and accrued interest receivable, the carrying amount is a reasonable estimate of fair value. Commitments to Extend Credit and Standby Letters of Credit Commitments to extend credit and standby letters of credit are generally not not September 30, 2023 December 31, 2022

Note 12 - Segment Reporting

Note 12 - Segment Reporting	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	Note 12 Segment Reporting Selected financial and descriptive information is required to be provided about reportable operating segments, considering a "management approach" concept as the basis for identifying reportable segments. The management approach is based on the way that management organizes the segments within the enterprise for making operating decisions, allocating resources, and assessing performance. Consequently, the segments are evident from the structure of the enterprise's internal organization, focusing on financial information that an enterprise's chief operating decision-makers use to make decisions about the enterprise's operating matters. The Company has determined that it has two not Community Banking The community banking segment provides consumer and business banking products and services to customers primarily within Southeastern Wisconsin. Within this segment, the following products and services are provided: ( 1 2 3 4 Consumer products include loan and deposit products: mortgage, home equity loans and lines, personal term loans, demand deposit accounts, interest bearing transaction accounts and time deposits. Consumer products also include personal investment services. Business banking products include secured and unsecured lines and term loans for working capital, inventory and general corporate use, commercial real estate construction loans, demand deposit accounts, interest bearing transaction accounts and time deposits. Mortgage Banking The mortgage banking segment provides residential mortgage loans for the primary purpose of sale on the secondary market. Mortgage banking products and services are provided by offices in 26 Presented below is the segment information: As of or for the three months ended September 30, 2023 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 12,431 $ (550 ) $ 108 $ 11,989 Provision for credit losses 445 - - 445 Net interest income (expense) after provision for credit losses 11,986 (550 ) 108 11,544 Noninterest income: 966 21,452 (188 ) 22,230 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 4,618 17,186 (216 ) 21,588 Occupancy, office furniture and equipment 852 1,141 - 1,993 Advertising 200 716 - 916 Data processing 672 551 6 1,229 Communications 70 173 - 243 Professional fees 176 564 5 745 Real estate owned 1 - - 1 Loan processing expense - 722 - 722 Other 703 1,935 (54 ) 2,584 Total noninterest expenses 7,292 22,988 (259 ) 30,021 Income (loss) before income tax expense (benefit) 5,660 (2,086 ) 179 3,753 Income tax expense (benefit) 1,121 (657 ) 36 500 Net income (loss) $ 4,539 $ (1,429 ) $ 143 $ 3,253 Total Assets $ 2,181,155 $ 202,785 $ (162,582 ) $ 2,221,358 As of or for the three months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 15,507 $ (155 ) $ 46 $ 15,398 Provision for credit losses 234 98 - 332 Net interest income (expense) after provision for credit losses 15,273 (253 ) 46 15,066 Noninterest income: 1,116 27,305 (1,017 ) 27,404 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 4,424 21,864 (114 ) 26,174 Occupancy, office furniture and equipment 955 1,341 - 2,296 Advertising 213 924 - 1,137 Data processing 539 543 2 1,084 Communications 108 194 - 302 Professional fees 123 265 5 393 Real estate owned 1 - - 1 Loan processing expense - 1,120 - 1,120 Other 1,477 2,571 (861 ) 3,187 Total noninterest expenses 7,840 28,822 (968 ) 35,694 Income (loss) before income tax expense (benefit) 8,549 (1,770 ) (3 ) 6,776 Income tax expense (benefit) 1,983 (470 ) (7 ) 1,506 Net income (loss) $ 6,566 $ (1,300 ) $ 4 $ 5,270 Total Assets $ 1,904,785 $ 250,301 $ (180,035 ) $ 1,975,051 As of or for the nine months ended September 30, 2023 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 39,677 $ (1,454 ) $ 236 $ 38,459 Provision for credit losses 991 100 - 1,091 Net interest income (expense) after provision for credit losses 38,686 (1,554 ) 236 37,368 Noninterest income: 3,493 62,444 (1,628 ) 64,309 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 14,469 50,214 (648 ) 64,035 Occupancy, office furniture and equipment 2,756 3,546 - 6,302 Advertising 614 2,135 - 2,749 Data processing 1,875 1,547 19 3,441 Communications 220 499 - 719 Professional fees 540 1,218 21 1,779 Real estate owned 3 - - 3 Loan processing expense - 2,672 - 2,672 Other 3,240 6,252 (1,142 ) 8,350 Total noninterest expenses 23,717 68,083 (1,750 ) 90,050 Income (loss) before income tax expense (benefit) 18,462 (7,193 ) 358 11,627 Income tax expense (benefit) 3,903 (1,785 ) 94 2,212 Net income (loss) $ 14,559 $ (5,408 ) $ 264 $ 9,415 As of or for the nine months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income $ 40,869 $ 398 $ 76 $ 41,343 Provision for credit losses 53 251 - 304 Net interest income after provision for credit losses 40,816 147 76 41,039 Noninterest income: 4,188 86,035 (1,763 ) 88,460 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 14,232 63,613 (343 ) 77,502 Occupancy, office furniture and equipment 2,768 3,772 - 6,540 Advertising 684 2,320 - 3,004 Data processing 1,678 1,744 8 3,430 Communications 265 635 - 900 Professional fees 355 825 23 1,203 Real estate owned 6 - - 6 Loan processing expense - 3,685 - 3,685 Other 3,083 7,613 (1,288 ) 9,408 Total noninterest expenses 23,071 84,207 (1,600 ) 105,678 Income (loss) before income tax expense (benefit) 21,933 1,975 (87 ) 23,821 Income tax expense (benefit) 4,808 485 (24 ) 5,269 Net income (loss) $ 17,125 $ 1,490 $ (63 ) $ 18,552

Item 5. Other Information

Item 5. Other Information	9 Months Ended
	Sep. 30, 2023
Notes to Financial Statements
Issuer Rule 10b5-1, Material Terms [Text Block]	5. Other Information During the three September 30, 2023, 10b5 1 10b5 1

Note 2 - Securities Available_2

Note 2 - Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	September 30, 2023 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 13,009 $ - $ (2,096 ) $ 10,913 Collateralized mortgage obligations: Government sponsored enterprise issued 151,866 - (24,515 ) 127,351 Private-label issued 8,325 - (1,025 ) 7,300 Mortgage-related securities 173,200 - (27,636 ) 145,564 Government sponsored enterprise bonds 2,500 - (211 ) 2,289 Municipal securities 37,556 86 (2,229 ) 35,413 Other debt securities 12,500 - (1,368 ) 11,132 Debt securities 52,556 86 (3,808 ) 48,834 Other securities 101 - - 101 Total $ 225,857 $ 86 $ (31,444 ) $ 194,499 December 31, 2022 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 15,134 $ 4 $ (1,824 ) $ 13,314 Collateralized mortgage obligations Government sponsored enterprise issued 145,740 - (20,975 ) 124,765 Private-label issued 9,041 - (935 ) 8,106 Mortgage related securities 169,915 4 (23,734 ) 146,185 Government sponsored enterprise bonds 2,500 - (244 ) 2,256 Municipal securities 37,699 428 (1,193 ) 36,934 Other debt securities 12,500 - (1,338 ) 11,162 Debt securities 52,699 428 (2,775 ) 50,352 Other securities 51 - - 51 Total $ 222,665 $ 432 $ (26,509 ) $ 196,588
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Fair Cost Value (In Thousands) Debt and other securities Due within one year $ 7,296 $ 7,198 Due after one year through five years 10,986 10,751 Due after five years through ten years 20,145 18,467 Due after ten years 14,129 12,418 Mortgage-related securities 173,200 145,564 Other securities 101 101 Total $ 225,857 $ 194,499
Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]	September 30, 2023 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 493 $ 21 $ 10,420 $ 2,075 $ 10,913 $ 2,096 Collateralized mortgage obligations: Government sponsored enterprise issued 19,941 529 107,410 23,986 127,351 24,515 Private-label issued - - 6,269 1,025 6,269 1,025 Government sponsored enterprise bonds - - 2,289 211 2,289 211 Municipal securities 24,407 896 5,237 1,333 29,644 2,229 Other debt securities - - 11,132 1,368 11,132 1,368 Total $ 44,841 $ 1,446 $ 142,757 $ 29,998 $ 187,598 $ 31,444 December 31, 2022 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 8,383 $ 655 $ 4,573 $ 1,169 $ 12,956 $ 1,824 Collateralized mortgage obligations: Government sponsored enterprise issued 65,270 6,400 59,495 14,575 124,765 20,975 Private-label issued 7,012 935 - - 7,012 935 Government sponsored enterprise bonds 2,256 244 - - 2,256 244 Municipal securities 18,648 192 4,095 1,001 22,743 1,193 Other debt securities 2,362 138 8,800 1,200 11,162 1,338 Total $ 103,931 $ 8,564 $ 76,963 $ 17,945 $ 180,894 $ 26,509

Note 3 - Loans Receivable (Tabl

Note 3 - Loans Receivable (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, 2023 December 31, 2022 (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 550,055 $ 469,567 Multi-family 711,660 677,981 Home equity 11,719 11,455 Construction and land 62,409 62,494 Commercial real estate 278,441 262,973 Consumer 826 774 Commercial loans 35,983 24,934 Total $ 1,651,093 $ 1,510,178
Financing Receivable, Past Due [Table Text Block]	As of September 30, 2023 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 3,620 $ 141 $ 3,926 $ 7,687 $ 542,368 $ 550,055 Multi-family 732 - - 732 710,928 711,660 Home equity 159 - 37 196 11,523 11,719 Construction and land - - - - 62,409 62,409 Commercial real estate - 129 - 129 278,312 278,441 Consumer - - - - 826 826 Commercial loans - - - - 35,983 35,983 Total $ 4,511 $ 270 $ 3,963 $ 8,744 $ 1,642,349 $ 1,651,093 As of December 31, 2022 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 2,328 $ - $ 3,618 $ 5,946 $ 463,621 $ 469,567 Multi-family - - - - 677,981 677,981 Home equity 14 - 65 79 11,376 11,455 Construction and land - - - - 62,494 62,494 Commercial real estate - 233 - 233 262,740 262,973 Consumer - - - - 774 774 Commercial loans 3 - - 3 24,931 24,934 Total $ 2,345 $ 233 $ 3,683 $ 6,261 $ 1,503,917 $ 1,510,178
Financing Receivable, Allowance for Credit Loss [Table Text Block]	One- to Four-Family Multi-Family Home Equity Land and Construction Commercial Real Estate Consumer Commercial Total (In Thousands) Nine months ended September 30, 2023 Balance at beginning of period $ 4,743 $ 7,975 $ 174 $ 1,352 $ 3,199 $ 47 $ 267 $ 17,757 Provision (credit) for credit losses - loans 1,412 (248 ) 7 (189 ) (458 ) 36 269 829 Charge-offs (63 ) - - - - (29 ) - (92 ) Recoveries 46 5 4 2 2 - - 59 Balance at end of period $ 6,138 $ 7,732 $ 185 $ 1,165 $ 2,743 $ 54 $ 536 $ 18,553 Nine months ended September 30, 2022 Balance at beginning of period $ 3,963 $ 5,398 $ 89 $ 1,386 $ 4,482 $ 33 $ 427 $ 15,778 Adoption of CECL 88 100 58 886 (640 ) 7 (69 ) 430 Provision (credit) for credit losses - loans 644 1,338 29 (763 ) (417 ) 19 (150 ) 700 Charge-offs (254 ) - - - - (12 ) - (266 ) Recoveries 55 727 14 2 12 - - 810 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 One to-Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Three months ended September 30, 2023 Balance at beginning of period $ 6,529 $ 7,425 $ 169 $ 1,060 $ 2,600 $ 53 $ 538 $ 18,374 Provision (credit) for credit losses - loans (364 ) 305 16 105 142 4 (2 ) 206 Charge-offs (34 ) - - - - (3 ) - (37 ) Recoveries 7 2 - - 1 - - 10 Balance at end of period $ 6,138 $ 7,732 $ 185 $ 1,165 $ 2,743 $ 54 $ 536 $ 18,553 Three months ended September 30, 2022 Balance at beginning of period $ 4,629 $ 7,391 $ 163 $ 1,690 $ 3,160 $ 42 $ 196 $ 17,271 Provision (credit) for credit losses - loans 44 171 23 (179 ) 277 12 12 360 Charge-offs (189 ) - - - - (7 ) - (196 ) Recoveries 12 1 4 - - - - 17 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452
Schedule of Allowance for Credit Losses [Table Text Block]	Three months ended Nine months ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 (In Thousands) Provision (credit) for credit losses on: Loans $ 206 $ 360 $ 829 $ 700 Unfunded commitments 239 (28 ) 262 (396 ) Investment securities - - - - Total $ 445 $ 332 $ 1,091 $ 304
Schedule of Collateral Dependent Loans [Table Text Block]	One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to collateral dependent loans $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to pooled loans 6,138 7,732 185 1,165 2,743 54 536 18,553 Allowance at end of period $ 6,138 $ 7,732 $ 185 $ 1,165 $ 2,743 $ 54 $ 536 $ 18,553 Collateral dependent loans $ 1,527 $ - $ 37 $ - $ 5,368 $ - $ 1,421 $ 8,353 Pooled loans 548,528 711,660 11,682 62,409 273,073 826 34,562 1,642,740 Total gross loans $ 550,055 $ 711,660 $ 11,719 $ 62,409 $ 278,441 $ 826 $ 35,983 $ 1,651,093 One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to collateral dependent loans $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to pooled loans 4,743 7,975 174 1,352 3,199 47 267 17,757 Allowance at end of period $ 4,743 $ 7,975 $ 174 $ 1,352 $ 3,199 $ 47 $ 267 $ 17,757 Collateral dependent loans $ 2,584 $ - $ 40 $ - $ 5,455 $ - $ - $ 8,079 Pooled loans 466,983 677,981 11,415 62,494 257,518 774 24,934 1,502,099 Total gross loans $ 469,567 $ 677,981 $ 11,455 $ 62,494 $ 262,973 $ 774 $ 24,934 $ 1,510,178
Financing Receivable Credit Quality Indicators [Table Text Block]	One to Four-Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) At September 30, 2023 Substandard $ 3,958 $ - $ 37 $ - $ 5,367 $ - $ 1,421 $ 10,783 Watch 10,277 380 142 - 269 - - 11,068 Pass 535,820 711,280 11,540 62,409 272,805 826 34,562 1,629,242 $ 550,055 $ 711,660 $ 11,719 $ 62,409 $ 278,441 $ 826 $ 35,983 $ 1,651,093 At December 31, 2022 Substandard $ 4,209 $ - $ 98 $ - $ 5,454 $ - $ 61 $ 9,822 Watch 5,696 192 96 2,227 5,203 - 2,023 15,437 Pass 459,662 677,789 11,261 60,267 252,316 774 22,850 1,484,919 $ 469,567 $ 677,981 $ 11,455 $ 62,494 $ 262,973 $ 774 $ 24,934 $ 1,510,178 2023 2022 2021 2020 2019 Prior Revolving Total (In Thousands) One- to four-family Pass $ 183,187 $ 170,153 $ 46,971 $ 34,576 $ 20,290 $ 79,596 $ 1,047 $ 535,820 Watch 8,327 - - - - 1,950 - 10,277 Substandard 890 534 - - - 2,534 - 3,958 Total 192,404 170,687 46,971 34,576 20,290 84,080 1,047 550,055 Multi-family Pass 102,253 221,619 141,033 131,394 39,533 74,011 1,437 $ 711,280 Watch 192 - - - - 188 - 380 Substandard - - - - - - - - Total 102,445 221,619 141,033 131,394 39,533 74,199 1,437 711,660 Home equity Pass 1,012 259 78 151 88 397 9,555 $ 11,540 Watch - - 86 - - - 56 142 Substandard - 19 18 - - - - 37 Total 1,012 278 182 151 88 397 9,611 11,719 Construction and land Pass 24,833 1,186 24,831 2,166 9,196 197 - $ 62,409 Watch - - - - - - - - Substandard - - - - - - - - Total 24,833 1,186 24,831 2,166 9,196 197 - 62,409 Commercial Real Estate Pass 57,221 76,878 48,433 35,508 19,810 33,750 1,205 $ 272,805 Watch - 129 - - 140 - - 269 Substandard 5,279 - - 88 - - - 5,367 Total 62,500 77,007 48,433 35,596 19,950 33,750 1,205 278,441 Consumer Pass - - - - - - 826 $ 826 Watch - - - - - - - - Substandard - - - - - - - - Total - - - - - - 826 826 Commercial Pass 16,274 1,775 986 2,798 106 5,569 7,054 $ 34,562 Watch - - - - - - - - Substandard - 52 - - 19 - 1,350 1,421 Total 16,274 1,827 986 2,798 125 5,569 8,404 35,983 Total Loans $ 399,468 $ 472,604 $ 262,436 $ 206,681 $ 89,182 $ 198,192 $ 22,530 $ 1,651,093 Gross charge-offs $ 63 $ - $ - $ - $ - $ - $ 29 $ 92 2022 2021 2020 2019 2018 Prior Revolving Total (In Thousands) One- to four-family Pass $ 246,437 $ 55,494 $ 37,438 $ 21,813 $ 20,580 $ 76,568 $ 1,332 $ 459,662 Watch 4,823 - - - - 873 - 5,696 Substandard 218 1,255 519 - - 2,217 - 4,209 Total 251,478 56,749 37,957 21,813 20,580 79,658 1,332 469,567 Multi-family Pass 255,100 144,731 139,386 44,221 22,689 70,905 757 677,789 Watch - - - - - 192 - 192 Substandard - - - - - - - - Total 255,100 144,731 139,386 44,221 22,689 71,097 757 677,981 Home equity Pass 290 81 865 104 174 82 9,665 11,261 Watch - 96 - - - - - 96 Substandard 22 18 - - - - 58 98 Total 312 195 865 104 174 82 9,723 11,455 Construction and land Pass 2,958 49,092 2,308 5,690 123 96 - 60,267 Watch - - - 2,227 - - - 2,227 Substandard - - - - - - - - Total 2,958 49,092 2,308 7,917 123 96 - 62,494 Commercial Real Estate Pass 87,971 53,788 39,015 24,795 21,467 24,595 685 252,316 Watch 1,616 - 95 2,226 1,266 - - 5,203 Substandard - - - - 5,454 - - 5,454 Total 89,587 53,788 39,110 27,021 28,187 24,595 685 262,973 Consumer Pass 19 - - - - - 755 774 Watch - - - - - - - - Substandard - - - - - - - - Total 19 - - - - - 755 774 Commercial Pass 9,385 1,228 1,256 240 936 5,622 4,183 22,850 Watch - - 1,928 - - 92 3 2,023 Substandard 61 - - - - - - 61 Total 9,446 1,228 3,184 240 936 5,714 4,186 24,934 Total Loans $ 608,900 $ 305,783 $ 222,810 $ 101,316 $ 72,689 $ 181,242 $ 17,438 $ 1,510,178
Financing Receivable, Modified [Table Text Block]	As of September 30, 2023 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 309 1 $ 309 1 $ - - $ 309 1 $ 309 1 As of December 31, 2022 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 936 4 $ 936 4 $ - - $ 936 4 $ 936 4 As of September 30, 2023 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 309 1 $ - - $ 309 1 $ 309 1 $ - - $ 309 1 As of December 31, 2022 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 399 2 $ - - $ 399 2 Interest reduction 18 1 - - 18 1 Principal forbearance 519 1 - - 519 1 $ 936 4 $ - - $ 936 4
Financing Receivable, Nonaccrual [Table Text Block]	September 30, 2023 December 31, 2022 (Dollars in Thousands) Non-accrual loans: Residential One- to four-family $ 3,958 $ 4,209 Multi-family - - Home equity 37 98 Construction and land - - Commercial real estate 88 - Commercial - - Consumer - - Total non-accrual loans $ 4,083 $ 4,307 Total non-accrual loans to total loans receivable 0.25 % 0.29 % Total non-accrual loans to total assets 0.18 % 0.21 %

Note 4 - Mortgage Servicing R_2

Note 4 - Mortgage Servicing Rights (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Servicing Asset at Amortized Cost [Table Text Block]	Nine months ended September 30, 2023 2022 (In Thousands) Mortgage servicing rights at beginning of the period $ 3,445 $ 1,555 Additions 1,515 2,030 Amortization (208 ) (437 ) Sales (2,767 ) - Mortgage servicing rights at end of the period 1,985 3,148 Valuation allowance recovered during the period - 7 Mortgage servicing rights at end of the period, net $ 1,985 $ 3,155
Future Amortization Expenses for Mortgage Servicing Rights [Table Text Block]	(In Thousands) Estimate for the annual period ending December 31: 2023 $ 83 2024 346 2025 268 2026 250 2027 221 Thereafter 817 Total $ 1,985

Note 5 - Deposits (Tables)

Note 5 - Deposits (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Time Deposit Maturities [Table Text Block]	(In Thousands) Within one year $ 663,438 More than one to two years 66,834 More than two to three years 1,651 More than three to four years 921 More than four through five years 406 $ 733,250

Note 6 - Borrowings (Tables)

Note 6 - Borrowings (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Debt [Table Text Block]	September 30, 2023 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Millions) FHLB advances Long-term $ 25.0 November 3, 2025 4.09 % Fixed Putable November 1, 2023 Quarterly Long-term 25.0 November 7, 2025 4.25 % Fixed Putable November 7, 2023 Quarterly Long-term 50.0 December 14, 2027 1.73 % Fixed Putable December 16, 2019 Single Long-term 25.0 July 24, 2028 3.48 % Fixed Putable November 24, 2023 Quarterly Long-term 14.0 July 27, 2028 3.52 % Fixed Putable November 27, 2023 Quarterly Long-term 10.0 August 7, 2028 3.51 % Fixed Putable December 7, 2023 Quarterly Long-term 10.0 August 8, 2028 3.52 % Fixed Putable December 8, 2023 Quarterly Total FHLB long-term advances 159.0 3.15 % Short-term 10.0 October 2, 2023 3.49 % Fixed N/A N/A N/A Short-term 20.0 October 2, 2023 5.45 % Fixed N/A N/A N/A Short-term 83.0 October 2, 2023 5.45 % Fixed N/A N/A N/A Short-term 20.0 October 5, 2023 5.37 % Fixed N/A N/A N/A Short-term 14.5 October 12, 2023 5.36 % Fixed N/A N/A N/A Short-term 27.5 October 16, 2023 5.38 % Fixed N/A N/A N/A Short-term 14.0 October 16, 2023 5.38 % Fixed N/A N/A N/A Short-term 27.5 October 18, 2023 5.36 % Fixed N/A N/A N/A Short-term 27.0 October 27, 2023 5.38 % Fixed N/A N/A N/A Short-term 29.5 November 3, 2023 5.43 % Fixed N/A N/A N/A Short-term 30.5 November 27, 2023 5.42 % Fixed N/A N/A N/A Short-term 22.5 December 5, 2023 5.46 % Fixed N/A N/A N/A Total FHLB short-term advances 326.0 5.36 % Total FHLB advances $ 485.0 4.63 % Short-Term Borrowings Federal reserve bank Short-term $ 50.0 July 18, 2024 5.36 % Fixed N/A N/A N/A Federal reserve bank Short-term 50.0 September 6, 2024 5.50 % Fixed N/A N/A N/A Total federal reserve bank 100.0 5.43 % Repurchase agreements Revolving 2.9 N/A 8.17 % Variable N/A N/A N/A Total short-term borrowings 102.9 5.51 % Total borrowings $ 587.9 4.79 % December 31, 2022 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Millions) FHLB advances Long-term $ 50.0 September 22, 2025 3.50 % Fixed Putable September 20, 2023 Single Long-term 50.0 December 14, 2027 1.73 % Fixed Putable December 16, 2019 Single Long-term 25.0 November 3, 2025 4.09 % Fixed Putable November 1, 2023 Quarterly Long-term 25.0 November 7, 2025 4.25 % Fixed Putable November 7, 2023 Quarterly Long-term 25.0 November 24, 2025 3.82 % Fixed Putable May 22, 2023 Quarterly Long-term 25.0 December 1, 2032 2.35 % Fixed Putable March 1, 2023 Quarterly Total FHLB long-term advances 200.0 3.12 % Short-term 7.7 January 9, 2023 4.16 % Fixed N/A N/A N/A Short-term 25.0 January 23, 2023 4.23 % Fixed N/A N/A N/A Short-term 20.0 January 23, 2023 4.23 % Fixed N/A N/A N/A Short-term 48.0 January 30, 2023 4.25 % Fixed N/A N/A N/A Short-term 20.0 January 6, 2023 4.29 % Fixed N/A N/A N/A Short-term 50.0 January 6, 2023 4.29 % Fixed N/A N/A N/A Short-term 15.0 January 4, 2023 4.31 % Fixed N/A N/A N/A Total FHLB short-term advances 185.7 4.26 % Total FHLB advances $ 385.7 3.67 % Short-Term Borrowings Repurchase agreements Revolving $ 1.1 N/A 7.21 % Variable N/A N/A N/A Total short-term borrowings 1.1 7.21 % Total borrowings $ 386.8 0.24 %

Note 7 - Regulatory Capital (Ta

Note 7 - Regulatory Capital (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	September 30, 2023 Actual For Capital Adequacy Purposes Minimum Capital Adequacy with Capital Buffer To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) Total Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. $ 389,638 21.72 % $ 143,550 8.00 % $ 188,400 10.50 % N/A N/A Waterstone Bank 357,685 19.93 % 143,550 8.00 % 188,400 10.50 % 179,432 10.00 % Tier I Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 369,484 20.59 % 107,660 6.00 % 152,520 8.50 % N/A N/A Waterstone Bank 337,531 18.81 % 107,660 6.00 % 152,520 8.50 % 143,545 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 369,484 20.59 % 80,740 4.50 % 125,600 7.00 % N/A N/A Waterstone Bank 337,531 18.81 % 80,740 4.50 % 125,600 7.00 % 116,631 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 369,484 16.72 % 88,380 4.00 % N/A N/A N/A N/A Waterstone Bank 337,531 15.28 % 88,380 4.00 % N/A N/A 110,474 5.00 % State of Wisconsin (to total assets) Waterstone Bank 337,531 15.22 % 133,020 6.00 % N/A N/A N/A N/A December 31, 2022 Actual For Capital Adequacy Purposes Minimum Capital Adequacy with Capital Buffer To Be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) Total capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. $ 407,099 24.36 % $ 133,709 8.00 % $ 175,493 10.50 % N/A N/A Waterstone Bank 359,623 21.52 % 133,690 8.00 % 175,468 10.50 % 167,112 10.00 % Tier I capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 389,342 23.29 % 100,281 6.00 % 142,065 8.50 % N/A N/A Waterstone Bank 341,866 20.46 % 100,267 6.00 % 142,045 8.50 % 133,690 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 389,342 23.29 % 75,211 4.50 % 116,995 7.00 % N/A N/A Waterstone Bank 341,866 20.46 % 75,200 4.50 % 116,978 7.00 % 108,623 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 389,342 19.45 % 80,080 4.00 % N/A N/A N/A N/A Waterstone Bank 341,866 17.08 % 80,080 4.00 % N/A N/A 100,100 5.00 % State of Wisconsin (to total assets) Waterstone Bank 341,866 16.87 % 121,624 6.00 % N/A N/A N/A N/A

Note 8 - Commitments, Off-Bal_2

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]	September 30, 2023 December 31, 2022 (In Thousands) Financial instruments whose contract amounts represent potential credit risk: Commitments to extend credit under amortizing loans (1) $ 31,047 $ 61,223 Commitments to extend credit under home equity lines of credit (2) 11,219 9,550 Unused portion of construction loans (3) 91,291 48,530 Unused portion of business lines of credit 11,343 17,356 Standby letters of credit 688 1,516

Note 9 - Derivative Financial_2

Note 9 - Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	September 30, 2023 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 316.5 Other assets $ 3.3 Other liabilities $ 1.0 Interest rate locks 219.7 Other assets 0.6 Other liabilities - Interest rate swaps 88.8 Other assets 16.0 Other liabilities 16.0 December 31, 2022 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 296.0 Other assets $ 1.9 Other liabilities $ 3.6 Interest rate locks 203.1 Other assets 0.7 Other liabilities - Interest rate swaps 90.5 Other assets 14.2 Other liabilities 14.2

Note 10 - Earnings Per Share (T

Note 10 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three months ended September 30, Nine months ended September 30, 2023 2022 2023 2022 (In Thousands, except per share amounts) Net income $ 3,253 $ 5,270 $ 9,415 $ 18,552 Weighted average shares outstanding 19,998 21,342 20,420 22,193 Effect of dilutive potential common shares 24 112 53 130 Diluted weighted average shares outstanding $ 20,022 $ 21,454 $ 20,473 $ 22,323 Basic earnings per share $ 0.16 $ 0.25 $ 0.46 $ 0.84 Diluted earnings per share $ 0.16 $ 0.25 $ 0.46 $ 0.83

Note 11 - Fair Value Measurem_2

Note 11 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using September 30, 2023 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 10,913 $ - $ 10,913 $ - Collateralized mortgage obligations Government sponsored enterprise issued 127,351 - 127,351 - Private-label issued 7,300 - 7,300 - Government sponsored enterprise bonds 2,289 - 2,289 - Municipal securities 35,413 - 35,413 - Other debt securities 11,132 - 11,132 - Other securities 101 - 101 - Loans held for sale 157,421 - 157,421 - Mortgage banking derivative assets 3,870 - - 3,870 Interest rate swap assets 16,000 - 16,000 - Liabilities Mortgage banking derivative liabilities 994 - - 994 Interest rate swap liabilities 16,000 - 16,000 - Fair Value Measurements Using December 31, 2022 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 13,314 $ - $ 13,314 $ - Collateralized mortgage obligations Government sponsored enterprise issued 124,765 - 124,765 - Private-label issued 8,106 - 8,106 - Government sponsored enterprise bonds 2,256 - 2,256 - Municipal securities 36,934 - 36,934 - Other debt securities 11,162 - 11,162 - Other securities 51 - 51 - Loans held for sale 131,188 - 131,188 - Mortgage banking derivative assets 2,619 - - 2,619 Interest rate swap assets 14,226 - 14,226 - Liabilities Mortgage banking derivative liabilities 3,613 - - 3,613 Interest rate swap liabilities 14,226 - 14,226 -
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Three months ended September 30, Nine months ended September 30, 2023 2022 2023 2022 (In Thousands) (In Thousands) Mortgage derivative, net balance at the beginning of the period $ 2,504 $ (143 ) $ (994 ) $ 4,369 Mortgage derivative gain (loss), net 372 3,062 3,870 (1,450 ) Mortgage derivative, net balance at the end of the period $ 2,876 $ 2,919 $ 2,876 $ 2,919
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements Using September 30, 2023 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 372 $ - $ - $ 372 Fair Value Measurements Using December 31, 2022 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 145 $ - $ - $ 145
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Significant Unobservable Input Value Fair Value at Significant September 30, Valuation Unobservable Minimum Maximum Weighted 2023 Technique Inputs Value Value Average (Dollars in Thousands) Mortgage banking derivatives $ 2,876 Pricing models Pull through rate 30.8 % 100.0 % 90.0 % Real estate owned 372 Market approach Discount rates applied to appraisals 34.8 % 81.8 % 63.0 % December 31, 2022 Mortgage banking derivatives $ (994 ) Pricing models Pull through rate 20.6 % 100.0 % 89.2 % Real estate owned 145 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 2023 December 31, 2022 Carrying Fair Value Carrying Fair Value amount Total Level 1 Level 2 Level 3 amount Total Level 1 Level 2 Level 3 (In Thousands) Financial Assets Cash and cash equivalents $ 62,293 $ 62,293 $ 62,293 $ - $ - $ 46,642 $ 46,642 $ 46,642 $ - $ - Loans receivable 1,651,093 1,499,165 - - 1,499,165 1,510,178 1,403,429 - - 1,403,429 FHLB stock 23,414 23,414 23,414 - - 17,357 17,357 17,357 - - Accrued interest receivable 7,021 7,021 7,021 - - 5,725 5,725 5,725 - - Mortgage servicing rights 1,985 2,462 - - 2,462 3,444 5,001 - - 5,001 Financial Liabilities Deposits 1,205,162 1,203,809 471,912 731,897 - 1,199,012 1,194,559 556,741 637,818 - Advance payments by borrowers for taxes 28,238 28,238 28,238 - - 5,334 5,334 5,334 - - Borrowings 587,917 577,275 - 577,275 - 386,784 377,275 - 377,275 - Accrued interest payable 3,082 3,082 3,082 - - 1,358 1,358 1,358 - -

Note 12 - Segment Reporting (Ta

Note 12 - Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2023
Notes Tables
Reconciliation of Revenue from Segments to Consolidated [Table Text Block]	As of or for the three months ended September 30, 2023 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 12,431 $ (550 ) $ 108 $ 11,989 Provision for credit losses 445 - - 445 Net interest income (expense) after provision for credit losses 11,986 (550 ) 108 11,544 Noninterest income: 966 21,452 (188 ) 22,230 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 4,618 17,186 (216 ) 21,588 Occupancy, office furniture and equipment 852 1,141 - 1,993 Advertising 200 716 - 916 Data processing 672 551 6 1,229 Communications 70 173 - 243 Professional fees 176 564 5 745 Real estate owned 1 - - 1 Loan processing expense - 722 - 722 Other 703 1,935 (54 ) 2,584 Total noninterest expenses 7,292 22,988 (259 ) 30,021 Income (loss) before income tax expense (benefit) 5,660 (2,086 ) 179 3,753 Income tax expense (benefit) 1,121 (657 ) 36 500 Net income (loss) $ 4,539 $ (1,429 ) $ 143 $ 3,253 Total Assets $ 2,181,155 $ 202,785 $ (162,582 ) $ 2,221,358 As of or for the three months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 15,507 $ (155 ) $ 46 $ 15,398 Provision for credit losses 234 98 - 332 Net interest income (expense) after provision for credit losses 15,273 (253 ) 46 15,066 Noninterest income: 1,116 27,305 (1,017 ) 27,404 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 4,424 21,864 (114 ) 26,174 Occupancy, office furniture and equipment 955 1,341 - 2,296 Advertising 213 924 - 1,137 Data processing 539 543 2 1,084 Communications 108 194 - 302 Professional fees 123 265 5 393 Real estate owned 1 - - 1 Loan processing expense - 1,120 - 1,120 Other 1,477 2,571 (861 ) 3,187 Total noninterest expenses 7,840 28,822 (968 ) 35,694 Income (loss) before income tax expense (benefit) 8,549 (1,770 ) (3 ) 6,776 Income tax expense (benefit) 1,983 (470 ) (7 ) 1,506 Net income (loss) $ 6,566 $ (1,300 ) $ 4 $ 5,270 Total Assets $ 1,904,785 $ 250,301 $ (180,035 ) $ 1,975,051 As of or for the nine months ended September 30, 2023 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 39,677 $ (1,454 ) $ 236 $ 38,459 Provision for credit losses 991 100 - 1,091 Net interest income (expense) after provision for credit losses 38,686 (1,554 ) 236 37,368 Noninterest income: 3,493 62,444 (1,628 ) 64,309 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 14,469 50,214 (648 ) 64,035 Occupancy, office furniture and equipment 2,756 3,546 - 6,302 Advertising 614 2,135 - 2,749 Data processing 1,875 1,547 19 3,441 Communications 220 499 - 719 Professional fees 540 1,218 21 1,779 Real estate owned 3 - - 3 Loan processing expense - 2,672 - 2,672 Other 3,240 6,252 (1,142 ) 8,350 Total noninterest expenses 23,717 68,083 (1,750 ) 90,050 Income (loss) before income tax expense (benefit) 18,462 (7,193 ) 358 11,627 Income tax expense (benefit) 3,903 (1,785 ) 94 2,212 Net income (loss) $ 14,559 $ (5,408 ) $ 264 $ 9,415 As of or for the nine months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income $ 40,869 $ 398 $ 76 $ 41,343 Provision for credit losses 53 251 - 304 Net interest income after provision for credit losses 40,816 147 76 41,039 Noninterest income: 4,188 86,035 (1,763 ) 88,460 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 14,232 63,613 (343 ) 77,502 Occupancy, office furniture and equipment 2,768 3,772 - 6,540 Advertising 684 2,320 - 3,004 Data processing 1,678 1,744 8 3,430 Communications 265 635 - 900 Professional fees 355 825 23 1,203 Real estate owned 6 - - 6 Loan processing expense - 3,685 - 3,685 Other 3,083 7,613 (1,288 ) 9,408 Total noninterest expenses 23,071 84,207 (1,600 ) 105,678 Income (loss) before income tax expense (benefit) 21,933 1,975 (87 ) 23,821 Income tax expense (benefit) 4,808 485 (24 ) 5,269 Net income (loss) $ 17,125 $ 1,490 $ (63 ) $ 18,552

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation (Details Textual)	9 Months Ended
	Sep. 30, 2023
Number of Offices	14

Note 2 - Securities Available_3

Note 2 - Securities Available for Sale (Details Textual)	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Securities, Unrealized Loss Position, Number of Positions	187		187
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 0		$ 0		$ 0
Proceeds from Sale of Debt Securities, Available-for-Sale	0	$ 0	0	$ 0
Mortgage-related Securities [Member] | Asset Pledged as Collateral [Member]
Debt Securities, Available-for-Sale, Restricted	198,000		198,000		$ 259,000
Mortgage-related Securities [Member] | Asset Pledged as Collateral [Member] | Federal Funds Purchased [Member]
Debt Securities, Available-for-Sale, Restricted	$ 94,700,000		$ 94,700,000

Note 2 - Securities Available_4

Note 2 - Securities Available for Sale - Amortized Cost and Fair Values of Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Securities available for sale, cost	$ 225,857	$ 222,665
Gross unrealized gains	86	432
Gross unrealized losses	(31,444)	(26,509)
Fair value	194,499	196,588
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, cost	13,009	15,134
Gross unrealized gains	0	4
Gross unrealized losses	(2,096)	(1,824)
Fair value	10,913	13,314
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, cost	151,866	145,740
Gross unrealized gains	0	0
Gross unrealized losses	(24,515)	(20,975)
Fair value	127,351	124,765
Mortgage-Backed Securities, Issued by Private Enterprises [Member]
Securities available for sale, cost	8,325	9,041
Gross unrealized gains	0	0
Gross unrealized losses	(1,025)	(935)
Fair value	7,300	8,106
Mortgage-related Securities [Member]
Securities available for sale, cost	173,200	169,915
Gross unrealized gains	0	4
Gross unrealized losses	(27,636)	(23,734)
Fair value	145,564	146,185
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, cost	2,500	2,500
Gross unrealized gains	0	0
Gross unrealized losses	(211)	(244)
Fair value	2,289	2,256
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, cost	37,556	37,699
Gross unrealized gains	86	428
Gross unrealized losses	(2,229)	(1,193)
Fair value	35,413	36,934
Other Debt Obligations [Member]
Securities available for sale, cost	12,500	12,500
Gross unrealized gains	0	0
Gross unrealized losses	(1,368)	(1,338)
Fair value	11,132	11,162
Debt Securities [Member]
Securities available for sale, cost	52,556	52,699
Debt [Member]
Gross unrealized gains	86	428
Gross unrealized losses	(3,808)	(2,775)
Fair value	48,834	50,352
Other Securities [Member]
Securities available for sale, cost	101	51
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	$ 101	$ 51

Note 2 - Securities Available_5

Note 2 - Securities Available for Sale - Amortized Cost and Fair Value of Investment Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Due within one year, amortized cost	$ 7,296
Due within one year, fair value	7,198
Due after one year through five years, amortized cost	10,986
Due after one year through five years, fair value	10,751
Due after five years through ten years, amortized cost	20,145
Due after five years through ten years, fair value	18,467
Due after ten years, amortized cost	14,129
Due after ten years, fair value	12,418
Amortized cost	225,857	$ 222,665
Fair value	194,499	196,588
Mortgage-related Securities [Member]
Without single date securities	173,200
Without single date securities, fair value	145,564
Amortized cost	173,200	169,915
Fair value	145,564	146,185
Other Securities [Member]
Without single date securities	101
Without single date securities, fair value	101
Amortized cost	101	51
Fair value	$ 101	$ 51

Note 2 - Securities Available_6

Note 2 - Securities Available for Sale - Gross Unrealized Losses and Fair Value of Securities Available for Sale in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair value, less than 12 months	$ 44,841	$ 103,931
Unrealized loss, less than 12 months	1,446	8,564
Fair value, 12 months or longer	142,757	76,963
Unrealized loss, 12 months or longer	29,998	17,945
Total fair value	187,598	180,894
Total unrealized loss	31,444	26,509
Collateralized Mortgage-Backed Securities [Member]
Fair value, less than 12 months	493	8,383
Unrealized loss, less than 12 months	21	655
Fair value, 12 months or longer	10,420	4,573
Unrealized loss, 12 months or longer	2,075	1,169
Total fair value	10,913	12,956
Total unrealized loss	2,096	1,824
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair value, less than 12 months	19,941	65,270
Unrealized loss, less than 12 months	529	6,400
Fair value, 12 months or longer	107,410	59,495
Unrealized loss, 12 months or longer	23,986	14,575
Total fair value	127,351	124,765
Total unrealized loss	24,515	20,975
US Government-sponsored Enterprises Debt Securities [Member]
Fair value, less than 12 months	0	7,012
Unrealized loss, less than 12 months	0	935
Fair value, 12 months or longer	6,269	0
Unrealized loss, 12 months or longer	1,025	0
Total fair value	6,269	7,012
Total unrealized loss	1,025	935
Mortgage-Backed Securities, Issued by Private Enterprises [Member]
Fair value, less than 12 months	0	2,256
Unrealized loss, less than 12 months	0	244
Fair value, 12 months or longer	2,289	0
Unrealized loss, 12 months or longer	211	0
Total fair value	2,289	2,256
Total unrealized loss	211	244
US States and Political Subdivisions Debt Securities [Member]
Fair value, less than 12 months	24,407	18,648
Unrealized loss, less than 12 months	896	192
Fair value, 12 months or longer	5,237	4,095
Unrealized loss, 12 months or longer	1,333	1,001
Total fair value	29,644	22,743
Total unrealized loss	2,229	1,193
Other Debt Obligations [Member]
Fair value, less than 12 months	0	2,362
Unrealized loss, less than 12 months	0	138
Fair value, 12 months or longer	11,132	8,800
Unrealized loss, 12 months or longer	1,368	1,200
Total fair value	11,132	11,162
Total unrealized loss	$ 1,368	$ 1,338

Note 3 - Loans Receivable (Deta

Note 3 - Loans Receivable (Details Textual)		3 Months Ended			9 Months Ended			12 Months Ended
		Sep. 30, 2023 USD ($)		Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($)		Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)		Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, before Allowance for Credit Loss		$ 1,651,093,000			$ 1,651,093,000			$ 1,510,178,000
Loans and Leases Receivable, Related Parties		3,200,000			3,200,000			2,800,000
Loans and Leases Receivable, Related Parties, Past Due or Impaired		0			0			0
Financing Receivable, Nonaccrual		4,083,000			4,083,000			4,307,000
Financing Receivable, Allowance for Credit Loss		18,553,000	[1]	$ 17,452,000	18,553,000	[1]	$ 17,452,000	$ 17,757,000	[1]	$ 18,374,000	$ 17,271,000	$ 15,778,000
Minimum Amount of Potential Loan Exposure to be Reviewed by Credit Management Personnel		1,000,000			$ 1,000,000
Financing Receivable, Modified, Number of Contracts				0	1		2	4
Financing Receivable, Modified, Accumulated		$ 309,000		$ 424,000	$ 309,000		$ 424,000	$ 936,000
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts		0		0	0		0
Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss		$ 1,600,000			$ 1,600,000			1,300,000
One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss		550,055,000			550,055,000			469,567,000
Financing Receivable, Nonaccrual		3,958,000			3,958,000			4,209,000
Financing Receivable, Allowance for Credit Loss		6,138,000		$ 4,496,000	6,138,000		$ 4,496,000	4,743,000		$ 6,529,000	$ 4,629,000	$ 3,963,000
Financing Receivable, Modified, Accumulated		309,000			309,000			936,000
Mortgage Loans in Process of Foreclosure, Amount		651,000			651,000			795,000
Financial Asset, Not Past Due [Member]
Financing Receivable, before Allowance for Credit Loss	[2]	1,642,349,000			1,642,349,000			1,503,917,000
Financing Receivable, Nonaccrual		119,000			119,000			624,000
Financial Asset, Not Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss	[2]	542,368,000			542,368,000			463,621,000
Financial Asset, 1 to 59 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss	[3]	4,511,000			4,511,000			2,345,000
Financing Receivable, Nonaccrual		0			0			0
Financial Asset, 1 to 59 Days Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss	[3]	3,620,000			3,620,000			2,328,000
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss	[4]	270,000			270,000			233,000
Financing Receivable, Nonaccrual		0			0			0
Financial Asset, 60 to 89 Days Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss	[4]	141,000			141,000			0
Federal Home Loan Bank of Chicago [Member]
Federal Home Loan Bank, Advance		485,000,000			485,000,000			385,700,000
Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member]
Financing Receivable, before Allowance for Credit Loss		$ 1,240,000,000			$ 1,240,000,000			$ 976,700,000
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.[2]Includes $666,000 and $816,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[3]Includes $600,000 and $43,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[4]Includes $ - and $347,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.

Note 3 - Loans Receivable - Sum

Note 3 - Loans Receivable - Summary of Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Loans receivable	$ 1,651,093	$ 1,510,178
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	550,055	469,567
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	711,660	677,981
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	11,719	11,455
Construction and Land Portfolio Segment [Member]
Loans receivable	62,409	62,494
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	278,441	262,973
Consumer Portfolio Segment [Member]
Loans receivable	826	774
Commercial Portfolio Segment [Member]
Loans receivable	$ 35,983	$ 24,934

Note 3 - Loans Receivable - Ana

Note 3 - Loans Receivable - Analysis of Past Due Loans (Details) - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
Loans receivable		$ 1,651,093	$ 1,510,178
Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	4,511	2,345
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	270	233
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		3,963	3,683
Financial Asset, Past Due [Member]
Loans receivable		8,744	6,261
Financial Asset, Not Past Due [Member]
Loans receivable	[3]	1,642,349	1,503,917
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable		550,055	469,567
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	3,620	2,328
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	141	0
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		3,926	3,618
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Past Due [Member]
Loans receivable		7,687	5,946
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	542,368	463,621
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable		711,660	677,981
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	732	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Past Due [Member]
Loans receivable		732	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	710,928	677,981
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable		11,719	11,455
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	159	14
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		37	65
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Past Due [Member]
Loans receivable		196	79
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	11,523	11,376
Construction and Land Portfolio Segment [Member]
Loans receivable		62,409	62,494
Construction and Land Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	62,409	62,494
Commercial Real Estate Portfolio Segment [Member]
Loans receivable		278,441	262,973
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	129	233
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		129	233
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	278,312	262,740
Consumer Portfolio Segment [Member]
Loans receivable		826	774
Consumer Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		0	0
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	826	774
Commercial Portfolio Segment [Member]
Loans receivable		35,983	24,934
Commercial Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	3
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		0	3
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	$ 35,983	$ 24,931
[1]Includes $600,000 and $43,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[2]Includes $ - and $347,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[3]Includes $666,000 and $816,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.

Note 3 - Loans Receivable - Act

Note 3 - Loans Receivable - Activity in Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended				9 Months Ended
	Sep. 30, 2023		Sep. 30, 2022		Sep. 30, 2023		Sep. 30, 2022
Balance at beginning of period	$ 18,374		$ 17,271		$ 17,757	[1]	$ 15,778
Provision (credit) for credit losses - loans	206	[1]	360	[2]	829	[1]	700	[2]
Charge-offs	(37)		(196)		(92)		(266)
Recoveries	10		17		59		810
Balance at end of period	18,553	[1]	17,452		18,553	[1]	17,452
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							430
Residential Portfolio Segment [Member] | One to Four Family [Member]
Balance at beginning of period	6,529		4,629		4,743		3,963
Provision (credit) for credit losses - loans	(364)	[1]	44		1,412	[1]	644
Charge-offs	(34)		(189)		(63)		(254)
Recoveries	7		12		46		55
Balance at end of period	6,138		4,496		6,138		4,496
Residential Portfolio Segment [Member] | One to Four Family [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							88
Residential Portfolio Segment [Member] | Multifamily [Member]
Balance at beginning of period	7,425		7,391		7,975		5,398
Provision (credit) for credit losses - loans	305	[1]	171		(248)	[1]	1,338
Charge-offs	0		0		0		0
Recoveries	2		1		5		727
Balance at end of period	7,732		7,563		7,732		7,563
Residential Portfolio Segment [Member] | Multifamily [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							100
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Balance at beginning of period	169		163		174		89
Provision (credit) for credit losses - loans	16	[1]	23		7	[1]	29
Charge-offs	0		0		0		0
Recoveries	0		4		4		14
Balance at end of period	185		190		185		190
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							58
Construction and Land Portfolio Segment [Member]
Balance at beginning of period	1,060		1,690		1,352		1,386
Provision (credit) for credit losses - loans	105	[1]	(179)		(189)	[1]	(763)
Charge-offs	0		0		0		0
Recoveries	0		0		2		2
Balance at end of period	1,165		1,511		1,165		1,511
Construction and Land Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							886
Commercial Real Estate Portfolio Segment [Member]
Balance at beginning of period	2,600		3,160		3,199		4,482
Provision (credit) for credit losses - loans	142	[1]	277		(458)	[1]	(417)
Charge-offs	0		0		0		0
Recoveries	1		0		2		12
Balance at end of period	2,743		3,437		2,743		3,437
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							(640)
Consumer Portfolio Segment [Member]
Balance at beginning of period	53		42		47		33
Provision (credit) for credit losses - loans	4	[1]	12		36	[1]	19
Charge-offs	(3)		(7)		(29)		(12)
Recoveries	0		0		0		0
Balance at end of period	54		47		54		47
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							7
Commercial Portfolio Segment [Member]
Balance at beginning of period	538		196		267		427
Provision (credit) for credit losses - loans	(2)	[1]	12		269	[1]	(150)
Charge-offs	0		0		0		0
Recoveries	0		0		0		0
Balance at end of period	$ 536		$ 208		$ 536		208
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period							$ (69)
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.[2]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Note 3 - Loans Receivable - Com

Note 3 - Loans Receivable - Components of Provision for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended				9 Months Ended
		Sep. 30, 2023		Sep. 30, 2022		Sep. 30, 2023		Sep. 30, 2022
Provision (credit) for credit losses - loans		$ 206	[1]	$ 360	[2]	$ 829	[1]	$ 700	[2]
Investment securities, provision for credit losses	[2]	0		0		0		0
Total, provision for credit losses	[1]	445		332		1,091		304
Unfunded Loan Commitment [Member]
Provision (credit) for credit losses - loans	[2]	$ 239		$ (28)		$ 262		$ (396)
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.[2]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Note 3 - Loans Receivable - Col

Note 3 - Loans Receivable - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023		Jun. 30, 2023	Dec. 31, 2022		Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Allowance at end of period	$ 18,553	[1]	$ 18,374	$ 17,757	[1]	$ 17,452	$ 17,271	$ 15,778
Loans receivable	1,651,093			1,510,178
Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	8,353			8,079
Pooled Loans [Member]
Allowance at end of period	18,553			17,757
Loans receivable	1,642,740			1,502,099
Residential Portfolio Segment [Member] | One to Four Family [Member]
Allowance at end of period	6,138		6,529	4,743		4,496	4,629	3,963
Loans receivable	550,055			469,567
Residential Portfolio Segment [Member] | One to Four Family [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	1,527			2,584
Residential Portfolio Segment [Member] | One to Four Family [Member] | Pooled Loans [Member]
Allowance at end of period	6,138			4,743
Loans receivable	548,528			466,983
Residential Portfolio Segment [Member] | Multifamily [Member]
Allowance at end of period	7,732		7,425	7,975		7,563	7,391	5,398
Loans receivable	711,660			677,981
Residential Portfolio Segment [Member] | Multifamily [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	0			0
Residential Portfolio Segment [Member] | Multifamily [Member] | Pooled Loans [Member]
Allowance at end of period	7,732			7,975
Loans receivable	711,660			677,981
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance at end of period	185		169	174		190	163	89
Loans receivable	11,719			11,455
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	37			40
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Pooled Loans [Member]
Allowance at end of period	185			174
Loans receivable	11,682			11,415
Construction and Land Portfolio Segment [Member]
Allowance at end of period	1,165		1,060	1,352		1,511	1,690	1,386
Loans receivable	62,409			62,494
Construction and Land Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	0			0
Construction and Land Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	1,165			1,352
Loans receivable	62,409			62,494
Commercial Real Estate Portfolio Segment [Member]
Allowance at end of period	2,743		2,600	3,199		3,437	3,160	4,482
Loans receivable	278,441			262,973
Commercial Real Estate Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	5,368			5,455
Commercial Real Estate Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	2,743			3,199
Loans receivable	273,073			257,518
Consumer Portfolio Segment [Member]
Allowance at end of period	54		53	47		47	42	33
Loans receivable	826			774
Consumer Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	0			0
Consumer Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	54			47
Loans receivable	826			774
Commercial Portfolio Segment [Member]
Allowance at end of period	536		$ 538	267		$ 208	$ 196	$ 427
Loans receivable	35,983			24,934
Commercial Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	1,421			0
Commercial Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	536			267
Loans receivable	$ 34,562			$ 24,934
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Note 3 - Loans Receivable - Cre

Note 3 - Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Loans receivable	$ 1,651,093		$ 1,651,093		$ 1,510,178
Originated current year	399,468		399,468		608,900
Originated one years before	472,604		472,604		305,783
Originated two years before	262,436		262,436		222,810
Originated three years before	206,681		206,681		101,316
Originated four years before	89,182		89,182		72,689
Originated five years before	198,192		198,192		181,242
Revolving	22,530		22,530		17,438
Gross charge-offs, current year			63
Gross charge-offs, one year before			0
Gross charge-offs, two years before			0
Gross charge-offs, three years before			0
Gross charge-offs, four years before			0
Gross charge-offs, five years before			0
Gross charge-offs, revolving			29
Gross charge-offs, total	37	$ 196	92	$ 266
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	550,055		550,055		469,567
Originated current year	192,404		192,404		251,478
Originated one years before	170,687		170,687		56,749
Originated two years before	46,971		46,971		37,957
Originated three years before	34,576		34,576		21,813
Originated four years before	20,290		20,290		20,580
Originated five years before	84,080		84,080		79,658
Revolving	1,047		1,047		1,332
Gross charge-offs, total	34	189	63	254
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	711,660		711,660		677,981
Originated current year	102,445		102,445		255,100
Originated one years before	221,619		221,619		144,731
Originated two years before	141,033		141,033		139,386
Originated three years before	131,394		131,394		44,221
Originated four years before	39,533		39,533		22,689
Originated five years before	74,199		74,199		71,097
Revolving	1,437		1,437		757
Gross charge-offs, total	0	0	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	11,719		11,719		11,455
Originated current year	1,012		1,012		312
Originated one years before	278		278		195
Originated two years before	182		182		865
Originated three years before	151		151		104
Originated four years before	88		88		174
Originated five years before	397		397		82
Revolving	9,611		9,611		9,723
Gross charge-offs, total	0	0	0	0
Construction and Land Portfolio Segment [Member]
Loans receivable	62,409		62,409		62,494
Originated current year	24,833		24,833		2,958
Originated one years before	1,186		1,186		49,092
Originated two years before	24,831		24,831		2,308
Originated three years before	2,166		2,166		7,917
Originated four years before	9,196		9,196		123
Originated five years before	197		197		96
Revolving	0		0		0
Gross charge-offs, total	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	278,441		278,441		262,973
Originated current year	62,500		62,500		89,587
Originated one years before	77,007		77,007		53,788
Originated two years before	48,433		48,433		39,110
Originated three years before	35,596		35,596		27,021
Originated four years before	19,950		19,950		28,187
Originated five years before	33,750		33,750		24,595
Revolving	1,205		1,205		685
Gross charge-offs, total	0	0	0	0
Commercial Portfolio Segment [Member]
Loans receivable	35,983		35,983		24,934
Originated current year	16,274		16,274		9,446
Originated one years before	1,827		1,827		1,228
Originated two years before	986		986		3,184
Originated three years before	2,798		2,798		240
Originated four years before	125		125		936
Originated five years before	5,569		5,569		5,714
Revolving	8,404		8,404		4,186
Gross charge-offs, total	0	0	0	0
Consumer Portfolio Segment [Member]
Loans receivable	826		826		774
Originated current year	0		0		19
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	826		826		755
Gross charge-offs, total	3	$ 7	29	$ 12
Substandard [Member]
Loans receivable	10,783		10,783		9,822
Substandard [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	3,958		3,958		4,209
Originated current year	890		890		218
Originated one years before	534		534		1,255
Originated two years before	0		0		519
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	2,534		2,534		2,217
Revolving	0		0		0
Substandard [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	0		0		0
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	0		0		0
Substandard [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	37		37		98
Originated current year	0		0		22
Originated one years before	19		19		18
Originated two years before	18		18		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	0		0		58
Substandard [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	0		0		0
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	0		0		0
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	5,367		5,367		5,454
Originated current year	5,279		5,279		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	88		88		0
Originated four years before	0		0		5,454
Originated five years before	0		0		0
Revolving	0		0		0
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans receivable	1,421		1,421		61
Originated current year	0		0		61
Originated one years before	52		52		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	19		19		0
Originated five years before	0		0		0
Revolving	1,350		1,350		0
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans receivable	0		0		0
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	0		0		0
Pass [Member]
Loans receivable	1,629,242		1,629,242		1,484,919
Pass [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	535,820		535,820		459,662
Originated current year	183,187		183,187		246,437
Originated one years before	170,153		170,153		55,494
Originated two years before	46,971		46,971		37,438
Originated three years before	34,576		34,576		21,813
Originated four years before	20,290		20,290		20,580
Originated five years before	79,596		79,596		76,568
Revolving	1,047		1,047		1,332
Pass [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	711,280		711,280		677,789
Originated current year	102,253		102,253		255,100
Originated one years before	221,619		221,619		144,731
Originated two years before	141,033		141,033		139,386
Originated three years before	131,394		131,394		44,221
Originated four years before	39,533		39,533		22,689
Originated five years before	74,011		74,011		70,905
Revolving	1,437		1,437		757
Pass [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	11,540		11,540		11,261
Originated current year	1,012		1,012		290
Originated one years before	259		259		81
Originated two years before	78		78		865
Originated three years before	151		151		104
Originated four years before	88		88		174
Originated five years before	397		397		82
Revolving	9,555		9,555		9,665
Pass [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	62,409		62,409		60,267
Originated current year	24,833		24,833		2,958
Originated one years before	1,186		1,186		49,092
Originated two years before	24,831		24,831		2,308
Originated three years before	2,166		2,166		5,690
Originated four years before	9,196		9,196		123
Originated five years before	197		197		96
Revolving	0		0		0
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	272,805		272,805		252,316
Originated current year	57,221		57,221		87,971
Originated one years before	76,878		76,878		53,788
Originated two years before	48,433		48,433		39,015
Originated three years before	35,508		35,508		24,795
Originated four years before	19,810		19,810		21,467
Originated five years before	33,750		33,750		24,595
Revolving	1,205		1,205		685
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	34,562		34,562		22,850
Originated current year	16,274		16,274		9,385
Originated one years before	1,775		1,775		1,228
Originated two years before	986		986		1,256
Originated three years before	2,798		2,798		240
Originated four years before	106		106		936
Originated five years before	5,569		5,569		5,622
Revolving	7,054		7,054		4,183
Pass [Member] | Consumer Portfolio Segment [Member]
Loans receivable	826		826		774
Originated current year	0		0		19
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	826		826		755
Watch [Member]
Loans receivable	11,068		11,068		15,437
Watch [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	10,277		10,277		5,696
Originated current year	8,327		8,327		4,823
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	1,950		1,950		873
Revolving	0		0		0
Watch [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	380		380		192
Originated current year	192		192		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	188		188		192
Revolving	0		0		0
Watch [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	142		142		96
Originated current year	0		0		0
Originated one years before	0		0		96
Originated two years before	86		86		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	56		56		0
Watch [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	0		0		2,227
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		2,227
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	0		0		0
Watch [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	269		269		5,203
Originated current year	0		0		1,616
Originated one years before	129		129		0
Originated two years before	0		0		95
Originated three years before	0		0		2,226
Originated four years before	140		140		1,266
Originated five years before	0		0		0
Revolving	0		0		0
Watch [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0		0		2,023
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	0		0		1,928
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		92
Revolving	0		0		3
Watch [Member] | Consumer Portfolio Segment [Member]
Loans receivable	0		0		0
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	0		0		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	$ 0		$ 0		$ 0

Note 3 - Loans Receivable - Tro

Note 3 - Loans Receivable - Trouble Debt Restructurings (Details)	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Amount	$ 424,000	$ 309,000	$ 424,000	$ 936,000
Number		1		4
Number	0	1	2	4
Interest Reduction and Principal Forbearance [Member]
Amount		$ 309,000		$ 399,000
Number		1		2
Contractual Interest Rate Reduction [Member]
Amount				$ 18,000
Number				1
Principal Forgiveness [Member]
Amount				$ 519,000
Number				1
Accruing [Member]
Amount		$ 0		$ 0
Number		0		0
Performing Financial Instruments [Member]
Amount		$ 309,000		$ 936,000
Number		1		4
Performing Financial Instruments [Member] | Interest Reduction and Principal Forbearance [Member]
Amount		$ 309,000		$ 399,000
Number		1		2
Performing Financial Instruments [Member] | Contractual Interest Rate Reduction [Member]
Amount				$ 18,000
Number				1
Performing Financial Instruments [Member] | Principal Forgiveness [Member]
Amount				$ 519,000
Number				1
Non Accruing [Member]
Amount		$ 309,000		$ 936,000
Number		1		4
Nonperforming Financial Instruments [Member]
Amount		$ 0		$ 0
Number		0		0
Nonperforming Financial Instruments [Member] | Interest Reduction and Principal Forbearance [Member]
Amount		$ 0		$ 0
Number		0		0
Nonperforming Financial Instruments [Member] | Contractual Interest Rate Reduction [Member]
Amount				$ 0
Number				0
Nonperforming Financial Instruments [Member] | Principal Forgiveness [Member]
Amount				$ 0
Number				0
Residential Portfolio Segment [Member] | One to Four Family [Member]
Amount		$ 309,000		$ 936,000
Number		1		4
Residential Portfolio Segment [Member] | One to Four Family [Member] | Accruing [Member]
Amount		$ 0		$ 0
Number		0		0
Residential Portfolio Segment [Member] | One to Four Family [Member] | Non Accruing [Member]
Amount		$ 309,000		$ 936,000
Number		1		4

Note 3 - Loans Receivable - Non

Note 3 - Loans Receivable - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Non-accrual loans	$ 4,083	$ 4,307
Total non-accrual loans to total loans receivable	0.25%	0.29%
Total non-accrual loans to total assets	0.18%	0.21%
Residential Portfolio Segment [Member] | One to Four Family [Member]
Non-accrual loans	$ 3,958	$ 4,209
Residential Portfolio Segment [Member] | Multifamily [Member]
Non-accrual loans	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Non-accrual loans	37	98
Construction and Land Portfolio Segment [Member]
Non-accrual loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Non-accrual loans	88	0
Commercial Portfolio Segment [Member]
Non-accrual loans	0	0
Consumer Portfolio Segment [Member]
Non-accrual loans	$ 0	$ 0

Note 4 - Mortgage Servicing R_3

Note 4 - Mortgage Servicing Rights (Details Textual) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Fees and Commissions, Mortgage Banking and Servicing	$ 21,172,000	$ 26,064,000	$ 59,856,000	$ 83,749,000
Unpaid Principal Balance of Loans Serviced for Others	220,000,000		220,000,000		$ 409,600,000
Servicing Asset at Amortized Cost, Fair Value	2,500,000		2,500,000		$ 5,000,000
Mortgage Servicing Rights, Underlying Financing Receivable	318,400,000		318,400,000
Mortgage Servicing Rights, Underlying Financing Receivable, Book Value	2,900,000		2,900,000
Proceeds from Sale of Mortgage Servicing Rights (MSR)	$ 0	$ 0	3,530,000	0
Gain (Loss) on Sales of Mortgage-Backed Securities (MBS)			583,000
Residential Portfolio Segment [Member] | One to Four Family [Member]
Financial Receivable Originated for Sale			1,580,000	2,120,000,000
Fees and Commissions, Mortgage Banking and Servicing			$ 59,900,000	$ 83,700,000

Note 4 - Mortgage Servicing R_4

Note 4 - Mortgage Servicing Rights - Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Mortgage servicing rights at beginning of the period	$ 3,445	$ 1,555
Additions	1,515	2,030
Amortization	(208)	(437)
Sales	(2,767)	0
Mortgage servicing rights at end of the period	1,985	3,148
Valuation allowance recovered during the period	0	7
Mortgage servicing rights at end of the period, net	$ 1,985	$ 3,155

Note 4 - Mortgage Servicing R_5

Note 4 - Mortgage Servicing Rights - Future Amortization Expenses (Details) $ in Thousands	Sep. 30, 2023 USD ($)
2023	$ 83
2024	346
2025	268
2026	250
2027	221
Thereafter	817
Total	$ 1,985

Note 5 - Deposits (Details Text

Note 5 - Deposits (Details Textual) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Deposit Liability, Uninsured	$ 122.8	$ 115.5
Related Party Deposit Liabilities	$ 7.9	$ 9.2

Note 5 - Deposits - Maturities

Note 5 - Deposits - Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Within one year	$ 663,438
More than one to two years	66,834
More than two to three years	1,651
More than three to four years	921
More than four through five years	406
Time Deposits	$ 733,250	$ 642,271

Note 6 - Borrowings (Details Te

Note 6 - Borrowings (Details Textual) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Short-Term Debt	$ 102.9	$ 1.1
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 23.4	17.4
Residential Portfolio Segment [Member] | One to Four Family [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	78%
Residential Portfolio Segment [Member] | Multi-family Loan [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	73%
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	62%
Federal Home Loan Bank of Chicago [Member]
Short-Term Debt	$ 326	185.7
Bank Term Funding Program [Member]
Line of Credit Facility, Remaining Borrowing Capacity	62.7
Short-Term Advance [Member] | Federal Home Loan Bank of Chicago [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	291
Repurchase Agreements [Member]
Line of Credit Facility, Maximum Borrowing Capacity	50
Short-Term Debt	$ 2.9	$ 1.1

Note 6 - Borrowings - Borrowing

Note 6 - Borrowings - Borrowing (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Borrowings	$ 587,917	$ 386,784
Short term balance	$ 102,900	$ 1,100
Short term balance, weighted average rate	5.51%	7.21%
Total FHLB advances	4.79%	0.24%
Federal Reserve Bank Advances [Member]
Short term balance	$ 100,000
Short term balance, weighted average rate	5.43%
Repurchase Agreements [Member]
Short term balance	$ 2,900	$ 1,100
Short term balance, weighted average rate		7.21%
Total FHLB advances	8.17%
Federal Reserve Borrowings Maturing July 18, 2024 [Member] | Federal Reserve Bank Advances [Member]
Short term balance	$ 50,000
Short term balance, weighted average rate	5.36%
Federal Reserve Borrowings Maturing September 6, 2024 [Member] | Federal Reserve Bank Advances [Member]
Short term balance	$ 50,000
Short term balance, weighted average rate	5.50%
Federal Home Loan Bank of Chicago [Member]
Borrowings	$ 485,000	$ 385,700
Short term balance	$ 326,000	$ 185,700
Short term balance, weighted average rate	5.36%	4.26%
Total FHLB advances	4.63%	3.67%
Federal Home Loan Bank of Chicago [Member] | Longterm Debt Maturing 2025, 2 [Member]
Borrowings	$ 25,000	$ 25,000
Long-term debt, weighted average rate	4.09%	4.09%
Federal Home Loan Bank of Chicago [Member] | Long-Term Debt Maturing 2025 3 [Member]
Borrowings	$ 25,000	$ 25,000
Long-term debt, weighted average rate	4.25%	4.25%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2027 [Member]
Borrowings	$ 50,000	$ 50,000
Long-term debt, weighted average rate	1.73%	1.73%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, One [Member]
Borrowings	$ 25,000
Long-term debt, weighted average rate	3.48%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Two [Member]
Borrowings	$ 14,000
Long-term debt, weighted average rate	3.52%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Three and Four [Member]
Borrowings	$ 10,000
Long-term debt, weighted average rate	3.51%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Five [Member]
Borrowings	$ 10,000
Long-term debt, weighted average rate	3.52%
Federal Home Loan Bank of Chicago [Member] | Long-Term Borrowings [Member]
Borrowings	$ 159,000	$ 200,000
Long-term debt, weighted average rate	3.15%	3.12%
Federal Home Loan Bank of Chicago [Member] | Short-term Debt Maturing October 2, 2023 1 [Member]
Short term balance	$ 10,000
Short term balance, weighted average rate	3.49%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 2, 2023 2 [Member]
Short term balance	$ 20,000
Short term balance, weighted average rate	5.45%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 2, 2023 3 [Member]
Short term balance	$ 83,000
Short term balance, weighted average rate	5.45%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 5, 2023 [Member]
Short term balance	$ 20,000
Short term balance, weighted average rate	5.37%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 12, 2023 [Member]
Short term balance	$ 14,500
Short term balance, weighted average rate	5.36%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 16, 2023 1 [Member]
Short term balance	$ 27,500
Short term balance, weighted average rate	5.38%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 16, 2023 2[Member]
Short term balance	$ 14,000
Short term balance, weighted average rate	5.38%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 18, 2023 [Member]
Short term balance	$ 27,500
Short term balance, weighted average rate	5.36%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 27, 2023 [Member]
Short term balance	$ 27,000
Short term balance, weighted average rate	5.38%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing November 3, 2023 [Member]
Short term balance	$ 29,500
Short term balance, weighted average rate	5.43%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing November 27, 2023 [Member]
Short term balance	$ 30,500
Short term balance, weighted average rate	5.42%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing December 5, 2023 [Member]
Short term balance	$ 22,500
Short term balance, weighted average rate	5.46%
Federal Home Loan Bank of Chicago [Member] | Long-Term Debt Maturing 2025 [Member]
Borrowings		$ 50,000
Long-term debt, weighted average rate		3.50%
Federal Home Loan Bank of Chicago [Member] | Long-Term Debt Maturing 2025 4 [Member]
Borrowings		$ 25,000
Long-term debt, weighted average rate		3.82%
Federal Home Loan Bank of Chicago [Member] | Long-term Debt Maturing 2032 [Member]
Borrowings		$ 25,000
Long-term debt, weighted average rate		2.35%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance Maturing January 9, 2023 [Member]
Short term balance		$ 7,700
Short term balance, weighted average rate		4.16%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance One Maturing January 23, 2023 [Member]
Short term balance		$ 25,000
Short term balance, weighted average rate		4.23%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance Two Maturing January 23, 2023 [Member]
Short term balance		$ 20,000
Short term balance, weighted average rate		4.23%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance Maturing January 30, 2023 [Member]
Short term balance		$ 48,000
Short term balance, weighted average rate		4.25%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance Maturing January 6, 2023 [Member]
Short term balance		$ 20,000
Short term balance, weighted average rate		4.29%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance Two Maturing January 6, 2023 [Member]
Short term balance		$ 50,000
Short term balance, weighted average rate		4.29%
Federal Home Loan Bank of Chicago [Member] | Short-term Advance Maturing January 4, 2023 [Member]
Short term balance		$ 15,000
Short term balance, weighted average rate		4.31%

Note 7 - Regulatory Capital - A

Note 7 - Regulatory Capital - Actual and Required Capital Amount and Ratio (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Consolidated Waterstone Financial Inc [Member]
Total capital (to risk-weighted assets)	$ 389,638	$ 407,099
Total capital (to risk-weighted assets) Ratio	0.2172	0.2436
Total capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 143,550	$ 133,709
Total capital (to risk-weighted assets), For Capital Adequacy Ratio	0.08	0.08
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 188,400	$ 175,493
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	10.50%	10.50%
Tier I capital (to risk-weighted assets)	$ 369,484	$ 389,342
Tier I capital (to risk-weighted assets) Ratio	0.2059	0.2329
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 107,660	$ 100,281
Tier I capital (to risk-weighted assets), For Capital Adequacy Ratio	0.06	0.06
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 152,520	$ 142,065
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	8.50%	8.50%
Common Equity Tier 1 Capital (to risk-weighted assets)	$ 369,484	$ 389,342
Common Equity Tier 1 capital (to risk-weighted assets) Ratio	0.2059	0.2329
Common Equity Tier I capital (to risk weighted assets), For Capital Adequacy Purposes	$ 80,740	$ 75,211
Common Equity Tier I capital (to risk-weighted), For Capital Adequacy Ratio	0.045	0.045
Common Equity Tier I capital (to risk weighted assets) Minimum Capital Adequacy with Capital Buffer	$ 125,600	$ 116,995
Common Equity Tier I capital (to risk weighted), Minimum Capital Adequacy with Capital Buffer Ratio	7%	7%
Tier I capital (to average assets)	$ 369,484	$ 389,342
Tier I capital (to average assets) Ratio	0.1672	0.1945
Tier I capital (to average assets), For Capital Adequacy Purposes	$ 88,380	$ 80,080
Tier I capital (to average assets), For Capital Adequacy Ratio	0.04	0.04
Subsidiaries [Member]
Total capital (to risk-weighted assets)	$ 357,685	$ 359,623
Total capital (to risk-weighted assets) Ratio	0.1993	0.2152
Total capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 143,550	$ 133,690
Total capital (to risk-weighted assets), For Capital Adequacy Ratio	0.08	0.08
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 188,400	$ 175,468
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	10.50%	10.50%
Total capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 179,432	$ 167,112
Total capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.10	0.10
Tier I capital (to risk-weighted assets)	$ 337,531	$ 341,866
Tier I capital (to risk-weighted assets) Ratio	0.1881	0.2046
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 107,660	$ 100,267
Tier I capital (to risk-weighted assets), For Capital Adequacy Ratio	0.06	0.06
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 152,520	$ 142,045
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	8.50%	8.50%
Tier I capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 143,545	$ 133,690
Tier I capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.08	0.08
Common Equity Tier 1 Capital (to risk-weighted assets)	$ 337,531	$ 341,866
Common Equity Tier 1 capital (to risk-weighted assets) Ratio	0.1881	0.2046
Common Equity Tier I capital (to risk weighted assets), For Capital Adequacy Purposes	$ 80,740	$ 75,200
Common Equity Tier I capital (to risk-weighted), For Capital Adequacy Ratio	0.045	0.045
Common Equity Tier I capital (to risk weighted assets) Minimum Capital Adequacy with Capital Buffer	$ 125,600	$ 116,978
Common Equity Tier I capital (to risk weighted), Minimum Capital Adequacy with Capital Buffer Ratio	7%	7%
Common Equity Tier I capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 116,631	$ 108,623
Common Equity Tier I capital (to risk-weighted) , To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.065	0.065
Tier I capital (to average assets)	$ 337,531	$ 341,866
Tier I capital (to average assets) Ratio	0.1528	0.1708
Tier I capital (to average assets), For Capital Adequacy Purposes	$ 88,380	$ 80,080
Tier I capital (to average assets), For Capital Adequacy Ratio	0.04	0.04
Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.	$ 110,474	$ 100,100
Tier I capital (to average assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.05	0.05
State of Wisconsin (to total assets)	$ 337,531	$ 341,866
State of Wisconsin (to total assets) Ratio	15.22%	16.87%
State of Wisconsin (to total assets), For Capital Adequacy Purposes	$ 133,020	$ 121,624
State of Wisconsin (to total assets), For Capital Adequacy Ratio	6%	6%

Note 8 - Commitments, Off-Bal_3

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities (Details Textual) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Loss Contingency, Estimate of Possible Loss	$ 0	$ 0
Estimated Litigation Liability	$ 2,000	$ 2,000
Maximum [Member]
Period Of Commitments For Loans Extended To Customers (Day)	90 days
Period Of Home Equity Loans Available To The Borrower (Year)	10 years
Period of Construction Loans Available To The Borrower (Year)	1 year

Note 8 - Commitments, Off-Bal_4

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities (Details) - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
Commitments To Extend Credit Under Amortizing Loans [Member]
Off-balance sheet risks liability amount	[1]	$ 31,047	$ 61,223
Commitments To Extend Credit Under Home Equity Lines Of Credit [Member]
Off-balance sheet risks liability amount	[2]	11,219	9,550
Unused Portion of Construction Loans [Member]
Off-balance sheet risks liability amount	[3]	91,291	48,530
Unused lines of Credit [Member]
Off-balance sheet risks liability amount		11,343	17,356
Standby Letters of Credit [Member]
Off-balance sheet risks liability amount		$ 688	$ 1,516
[1]Commitments for loans are extended to customers for up to 90 days after which they expire. Excludes commitments to originate loans held for sale, which are discussed in the following footnote.[2]Unused portions of home equity loans are available to the borrower for up to 10 years.[3]Unused portions of construction loans are available to the borrower for up to one year.

Note 9 - Derivative Financial_3

Note 9 - Derivative Financial Instruments (Details Textual) - Interest Rate Swap [Member] Pure in Thousands, $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset	$ 0	$ 0
Number Of Back To Back Swaps In Default		0

Note 9 - Derivative Financial_4

Note 9 - Derivative Financial Instruments - Interest Rate Swaps (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Forward Contracts [Member]
Derivatives notional amount	$ 316.5	$ 296
Forward Contracts [Member] | Other Assets [Member]
Derivatives Assets, fair value	3.3	1.9
Forward Contracts [Member] | Other Liabilities [Member]
Derivatives liabilities, fair value	1	3.6
Interest Rate Lock Commitments [Member]
Derivatives notional amount	219.7	203.1
Interest Rate Lock Commitments [Member] | Other Assets [Member]
Derivatives Assets, fair value	0.6	0.7
Interest Rate Lock Commitments [Member] | Other Liabilities [Member]
Derivatives liabilities, fair value	0	0
Interest Rate Swaption [Member]
Derivatives notional amount	88.8	90.5
Interest Rate Swaption [Member] | Other Assets [Member]
Derivatives Assets, fair value	16	14.2
Interest Rate Swaption [Member] | Other Liabilities [Member]
Derivatives liabilities, fair value	$ 16	$ 14.2

Note 10 - Earnings Per Share (D

Note 10 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	199,000	158,000	162,000	127,000

Note 10 - Earnings Per Share -

Note 10 - Earnings Per Share - Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Net income	$ 3,253	$ 5,270	$ 9,415	$ 18,552
Weighted average shares outstanding (in shares)	19,998	21,342	20,420	22,193
Effect of dilutive potential common shares (in shares)	24	112	53	130
Diluted weighted average shares outstanding (in shares)	20,022	21,454	20,473	22,323
Basic earnings per share (in dollars per share)	$ 0.16	$ 0.25	$ 0.46	$ 0.84
Diluted earnings per share (in dollars per share)	$ 0.16	$ 0.25	$ 0.46	$ 0.83

Note 11 - Fair Value Measurem_3

Note 11 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Transfers into (out of) Levels 1, 2 and 3, Amount	$ 0	$ 0

Note 11 - Fair Value Measurem_4

Note 11 - Fair Value Measurements - Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	$ 194,499	$ 196,588
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	10,913	13,314
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	127,351	124,765
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	2,289	2,256
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	35,413	36,934
Other Debt Obligations [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	11,132	11,162
Other Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	101	51
Fair Value, Recurring [Member]
Loans held for sale	157,421	131,188
Fair Value, Recurring [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	3,870	2,619
Derivatives liabilities, fair value	994	3,613
Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	16,000	14,226
Derivatives liabilities, fair value	16,000	14,226
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale	157,421	131,188
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	16,000	14,226
Derivatives liabilities, fair value	16,000	14,226
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	3,870	2,619
Derivatives liabilities, fair value	994	3,613
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	10,913	13,314
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	10,913	13,314
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	127,351	124,765
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	127,351	124,765
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Private Equity Funds [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	7,300	8,106
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	7,300	8,106
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	2,289	2,256
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	2,289	2,256
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	35,413	36,934
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	35,413	36,934
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	11,132	11,162
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	11,132	11,162
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Other Securities [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	101	51
Fair Value, Recurring [Member] | Other Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	0	0
Fair Value, Recurring [Member] | Other Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	101	51
Fair Value, Recurring [Member] | Other Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2023—$225,857; 2022—$222,665)	$ 0	$ 0

Note 11 - Fair Value Measurem_5

Note 11 - Fair Value Measurements -Reconciliation for All Assets Measured at Fair Value Using Significant Unobservable Inputs (Details) - Mortgage Derivative [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Mortgage derivative, net balance at the beginning of the period	$ 2,504	$ (143)	$ (994)	$ 4,369
Mortgage derivative gain (loss), net	372	3,062	3,870	(1,450)
Mortgage derivative, net balance at the end of the period	$ 2,876	$ 2,919	$ 2,876	$ 2,919

Note 11 - Fair Value Measurem_6

Note 11 - Fair Value Measurements - Assets Recorded at Fair Value on Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Real estate owned	$ 372	$ 145
Fair Value, Inputs, Level 1 [Member]
Real estate owned	0	0
Fair Value, Inputs, Level 2 [Member]
Real estate owned	0	0
Fair Value, Inputs, Level 3 [Member]
Real estate owned	$ 372	$ 145

Note 11 - Fair Value Measurem_7

Note 11 - Fair Value Measurements - Fair Value of Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member]
Real estate owned	$ 372	$ 145
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member] | Minimum [Member]
Real estate owned measurement input	0.348	0.348
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member] | Maximum [Member]
Real estate owned measurement input	0.818	0.348
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member] | Weighted Average [Member]
Real estate owned measurement input	0.63	0.348
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member]
Mortgage banking derivatives, fair value	$ 2,876	$ 994
Mortgage banking derivatives, fair value	$ (2,876)	$ (994)
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member] | Minimum [Member]
Mortgage banking derivatives, measurement input	0.308	0.206
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member] | Maximum [Member]
Mortgage banking derivatives, measurement input	1	1
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member] | Weighted Average [Member]
Mortgage banking derivatives, measurement input	0.90	0.892

Note 11 - Fair Value Measurem_8

Note 11 - Fair Value Measurements - Carrying Amount and Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Servicing Asset at Amortized Cost, Fair Value	$ 2,500	$ 5,000
Advance payments by borrowers for taxes	28,238	5,334
Reported Value Measurement [Member]
Cash and cash equivalents	62,293	46,642
Loans receivable	1,651,093	1,510,178
FHLB stock	23,414	17,357
Accrued interest receivable	7,021	5,725
Servicing Asset at Amortized Cost, Fair Value	1,985	3,444
Deposits	1,205,162	1,199,012
Advance payments by borrowers for taxes	28,238	5,334
Borrowings	587,917	386,784
Accrued interest payable	3,082	1,358
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	62,293	46,642
Loans receivable	1,499,165	1,403,429
FHLB stock	23,414	17,357
Accrued interest receivable	7,021	5,725
Servicing Asset at Amortized Cost, Fair Value	2,462	5,001
Deposits	1,203,809	1,194,559
Advance payments by borrowers for taxes	28,238	5,334
Borrowings	577,275	377,275
Accrued interest payable	3,082	1,358
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	62,293	46,642
Loans receivable	0	0
FHLB stock	23,414	17,357
Accrued interest receivable	7,021	5,725
Servicing Asset at Amortized Cost, Fair Value	0	0
Deposits	471,912	556,741
Advance payments by borrowers for taxes	28,238	5,334
Borrowings	0	0
Accrued interest payable	3,082	1,358
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	0	0
Loans receivable	0	0
FHLB stock	0	0
Accrued interest receivable	0	0
Servicing Asset at Amortized Cost, Fair Value	0	0
Deposits	731,897	637,818
Advance payments by borrowers for taxes	0	0
Borrowings	577,275	377,275
Accrued interest payable	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents	0	0
Loans receivable	1,499,165	1,403,429
FHLB stock	0	0
Accrued interest receivable	0	0
Servicing Asset at Amortized Cost, Fair Value	2,462	5,001
Deposits	0	0
Advance payments by borrowers for taxes	0	0
Borrowings	0	0
Accrued interest payable	$ 0	$ 0

Note 12 - Segment Reporting (De

Note 12 - Segment Reporting (Details Textual)	9 Months Ended
	Sep. 30, 2023
Number of Operating Segments	2
Number of States The Company Can Lend, State	48

Note 12 - Segment Reporting - M

Note 12 - Segment Reporting - Mortgage Banking (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Net interest income (expense)		$ 11,989	$ 15,398	$ 38,459	$ 41,343
Provision for credit losses	[1]	445	332	1,091	304
Net interest income (expense) after provision for credit losses	[1]	11,544	15,066	37,368	41,039
Noninterest income:		22,230	27,404	64,309	88,460
Compensation, payroll taxes, and other employee benefits		21,588	26,174	64,035	77,502
Occupancy, office furniture, and equipment		1,993	2,296	6,302	6,540
Advertising		916	1,137	2,749	3,004
Data processing		1,229	1,084	3,441	3,430
Communications		243	302	719	900
Professional fees		745	393	1,779	1,203
Real estate owned		1	1	3	6
Loan processing expense		722	1,120	2,672	3,685
Other		2,584	3,187	8,350	9,408
Total noninterest expenses		30,021	35,694	90,050	105,678
Income (loss) before income tax expense (benefit)		3,753	6,776	11,627	23,821
Income tax expense		500	1,506	2,212	5,269
Net income		3,253	5,270	9,415	18,552
Total Assets		2,221,358	1,975,051	2,221,358	1,975,051	$ 2,031,672
Provision for credit losses	[1]	445	332	1,091	304
Net interest income after provision for credit losses	[1]	11,544	15,066	37,368	41,039
Community Banking [Member]
Net interest income (expense)		12,431	15,507	39,677	40,869
Provision for credit losses		445	234	991	53
Net interest income (expense) after provision for credit losses		11,986	15,273	38,686	40,816
Noninterest income:		966	1,116	3,493	4,188
Compensation, payroll taxes, and other employee benefits		4,618	4,424	14,469	14,232
Occupancy, office furniture, and equipment		852	955	2,756	2,768
Advertising		200	213	614	684
Data processing		672	539	1,875	1,678
Communications		70	108	220	265
Professional fees		176	123	540	355
Real estate owned		1	1	3	6
Loan processing expense		0	0	0	0
Other		703	1,477	3,240	3,083
Total noninterest expenses		7,292	7,840	23,717	23,071
Income (loss) before income tax expense (benefit)		5,660	8,549	18,462	21,933
Income tax expense		1,121	1,983	3,903	4,808
Net income		4,539	6,566	14,559	17,125
Total Assets		2,181,155	1,904,785	2,181,155	1,904,785
Provision for credit losses		445	234	991	53
Net interest income after provision for credit losses		11,986	15,273	38,686	40,816
Mortgage Banking Segment [Member]
Net interest income (expense)		(550)	(155)	(1,454)	398
Provision for credit losses		0	98	100	251
Net interest income (expense) after provision for credit losses		(550)	(253)	(1,554)	147
Noninterest income:		21,452	27,305	62,444	86,035
Compensation, payroll taxes, and other employee benefits		17,186	21,864	50,214	63,613
Occupancy, office furniture, and equipment		1,141	1,341	3,546	3,772
Advertising		716	924	2,135	2,320
Data processing		551	543	1,547	1,744
Communications		173	194	499	635
Professional fees		564	265	1,218	825
Real estate owned		0	0	0	0
Loan processing expense		722	1,120	2,672	3,685
Other		1,935	2,571	6,252	7,613
Total noninterest expenses		22,988	28,822	68,083	84,207
Income (loss) before income tax expense (benefit)		(2,086)	(1,770)	(7,193)	1,975
Income tax expense		(657)	(470)	(1,785)	485
Net income		(1,429)	(1,300)	(5,408)	1,490
Total Assets		202,785	250,301	202,785	250,301
Provision for credit losses		0	98	100	251
Net interest income after provision for credit losses		(550)	(253)	(1,554)	147
Holding Community and Other [Member]
Net interest income (expense)		108	46	236	76
Provision for credit losses		0	0	0	0
Net interest income (expense) after provision for credit losses		108	46	236	76
Noninterest income:		(188)	(1,017)	(1,628)	(1,763)
Compensation, payroll taxes, and other employee benefits		(216)	(114)	(648)	(343)
Occupancy, office furniture, and equipment		0	0	0	0
Advertising		0	0	0	0
Data processing		6	2	19	8
Communications		0	0	0	0
Professional fees		5	5	21	23
Real estate owned		0	0	0	0
Loan processing expense		0	0	0	0
Other		(54)	(861)	(1,142)	(1,288)
Total noninterest expenses		(259)	(968)	(1,750)	(1,600)
Income (loss) before income tax expense (benefit)		179	(3)	358	(87)
Income tax expense		36	(7)	94	(24)
Net income		143	4	264	(63)
Total Assets		(162,582)	(180,035)	(162,582)	(180,035)
Provision for credit losses		0	0	0	0
Net interest income after provision for credit losses		$ 108	$ 46	$ 236	$ 76
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.

Item 5. Other Information (Deta

Item 5. Other Information (Details Textual) Pure in Thousands	3 Months Ended
	Sep. 30, 2023
Issuer Rule 10b5-1, Number of Trading Agreements Adopted or Terminated by Directors or Executive Officers	0