Waterstone Financial (WSBF) 10-Q 4 Nov 24 2024 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2024	Oct. 31, 2024
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	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
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		19,373,139

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands		Sep. 30, 2024	Dec. 31, 2023
Assets
Cash		$ 35,770	$ 30,667
Federal funds sold		5,359	5,493
Interest-earning deposits in other financial institutions and other short term investments		278	261
Cash and cash equivalents		41,407	36,421
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)		213,164	204,907
Loans held for sale, at fair value		155,846	164,993
Loans receivable		1,695,403	1,664,215
Less: Allowance for credit losses ("ACL") - loans	[1]	18,198	18,549
Loans receivable, net		1,677,205	1,645,666
Office properties and equipment, net		19,450	19,995
Federal Home Loan Bank stock, at cost		21,681	20,880
Cash surrender value of life insurance		69,601	67,859
Real estate owned, net		145	254
Prepaid expenses and other assets		45,837	52,414
Total assets		2,244,336	2,213,389
Liabilities:
Demand deposits		180,449	187,107
Money market and savings deposits		279,188	273,233
Time deposits		804,204	730,284
Total deposits		1,263,841	1,190,624
Borrowings		560,127	611,054
Advance payments by borrowers for taxes		27,847	6,607
Other liabilities		50,519	61,048
Total liabilities		1,902,334	1,869,333
Commitments and contingencies (Note 8)
Shareholders’ equity:
Preferred stock (par value $.01 per share) Authorized - 50,000,000 shares at September 30, 2024 and at December 31, 2023, no shares issued		0	0
Common stock (par value $.01 per share) Authorized - 100,000,000 shares at September 30, 2024 and at December 31, 2023, Issued and Outstanding - 19,456,939 at September 30, 2024 and 20,314,786 at December 31, 2023		194	203
Additional paid-in capital		92,789	103,908
Retained earnings		274,748	269,606
Unearned ESOP shares		(10,979)	(11,869)
Accumulated other comprehensive loss, net of taxes		(14,750)	(17,792)
Total shareholders’ equity		342,002	344,056
Total liabilities and shareholders’ equity		$ 2,244,336	$ 2,213,389
[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, 2024	Dec. 31, 2023
Securities available for sale, cost	$ 232,076	$ 227,716
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)	19,456,939	20,314,786
Common stock, shares outstanding (in shares)	19,456,939	20,314,786

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Loans		$ 26,590	$ 23,825	$ 76,675	$ 65,860
Mortgage-related securities		1,137	1,060	3,360	2,972
Debt securities, federal funds sold and short-term investments		1,464	1,492	4,081	3,682
Total interest income		29,191	26,377	84,116	72,514
Interest expense:
Deposits		10,477	7,442	29,163	17,485
Borrowings		7,197	6,946	21,620	16,570
Total interest expense		17,674	14,388	50,783	34,055
Net interest income		11,517	11,989	33,333	38,459
Provision (credit) for credit losses	[1]	(377)	445	(535)	1,091
Net interest income after provision (credit) for credit losses	[1]	11,894	11,544	33,868	37,368
Noninterest income:
Service charges on loans and deposits		545	450	1,434	1,491
Increase in cash surrender value of life insurance		410	334	1,562	1,373
Mortgage banking income		21,294	21,172	66,200	59,856
Other		303	274	1,101	1,589
Total noninterest income		22,552	22,230	70,297	64,309
Noninterest expenses:
Compensation, payroll taxes, and other employee benefits		21,017	21,588	62,655	64,035
Occupancy, office furniture, and equipment		1,857	1,993	5,994	6,302
Advertising		926	916	2,827	2,749
Data processing		1,297	1,229	3,745	3,441
Communications		232	243	698	719
Professional fees		569	745	2,070	1,779
Real estate owned		0	1	14	3
Loan processing expense		697	722	2,604	2,672
Other		1,965	2,584	5,762	8,350
Total noninterest expenses		28,560	30,021	86,369	90,050
Income before income taxes		5,886	3,753	17,796	11,627
Income tax expense		1,158	500	4,318	2,212
Net income		$ 4,728	$ 3,253	$ 13,478	$ 9,415
Income per share:
Basic earnings per share (in dollars per share)		$ 0.26	$ 0.16	$ 0.72	$ 0.46
Diluted earnings per share (in dollars per share)		$ 0.26	$ 0.16	$ 0.72	$ 0.46
Weighted average shares outstanding:
Basic (in shares)		18,350	19,998	18,631	20,420
Diluted (in shares)		18,445	20,022	18,677	20,473
[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 (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Net income	$ 4,728	$ 3,253	$ 13,478	$ 9,415
Other comprehensive income (loss), net of tax:
Net unrealized holding gain (loss) arising during the period, net of tax (expense) benefit of ($1,394), $1,101, ($855), and $485, respectively	4,965	(3,444)	3,042	(4,796)
Total other comprehensive income (loss)	4,965	(3,444)	3,042	(4,796)
Comprehensive income	$ 9,693	$ (191)	$ 16,520	$ 4,619

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Net unrealized holding (loss) gains arising during the period, tax	$ (1,394)	$ 1,101	$ (855)	$ 485

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	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, 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 activity, net of tax (in shares)	86
Stock compensation activity, net of tax	$ 1	818	0	0	0	819
Stock compensation expense	$ 0	222		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)
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	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)
Stock compensation activity, net of tax (in shares)	0
Stock compensation activity, net of tax	$ 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
Balances (in shares) at Dec. 31, 2023	20,315
Balances at Dec. 31, 2023	$ 203	103,908	269,606	(11,869)	(17,792)	344,056
Net income	0	0	13,478	0	0	13,478
Other comprehensive loss	0	0	0	0	3,042	3,042
Total comprehensive income (loss)						16,520
ESOP shares committed to be released to plan participants	0	141	0	890	0	1,031
Cash dividend	0	0	(8,336)	0	0	(8,336)
Stock compensation expense	$ 0	211	0	0	0	211
Purchase of common stock returned to authorized but unissued (in shares)	(975)
Purchase of common stock returned to authorized but unissued	$ (10)	(12,105)	0	0	0	(12,115)
Stock compensation activity, net of tax (in shares)	117
Stock compensation activity, net of tax	$ 1	634				635
Balances (in shares) at Sep. 30, 2024	19,457
Balances at Sep. 30, 2024	$ 194	92,789	274,748	(10,979)	(14,750)	342,002
Balances (in shares) at Jun. 30, 2024	19,479
Balances at Jun. 30, 2024	$ 195	92,964	272,778	(11,276)	(19,715)	334,946
Net income	0	0	4,728	0	0	4,728
Other comprehensive loss	0	0	0	0	4,965	4,965
Total comprehensive income (loss)						9,693
ESOP shares committed to be released to plan participants	0	84	0	297	0	381
Cash dividend	0	0	(2,758)	0	0	(2,758)
Stock compensation expense	$ 0	105	0	0	0	105
Purchase of common stock returned to authorized but unissued (in shares)	(72)
Purchase of common stock returned to authorized but unissued	$ (1)	(998)	0	0	0	(999)
Stock compensation activity, net of tax (in shares)	50
Stock compensation activity, net of tax	$ 0					634
Balances (in shares) at Sep. 30, 2024	19,457
Balances at Sep. 30, 2024	$ 194	$ 92,789	$ 274,748	$ (10,979)	$ (14,750)	$ 342,002

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Cash dividend, price per share (in dollars per share)	$ 0.15	$ 0.15	$ 0.45	$ 0.55

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023
Operating activities:
Net income		$ 13,478	$ 9,415
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for credit losses	[1]	(535)	1,091
Depreciation, amortization, accretion		1,881	2,268
Deferred taxes		325	(583)
Stock based compensation		211	222
Origination of mortgage servicing rights		(640)	(1,515)
Gain on sale of loans held for sale		(66,824)	(55,221)
Loans originated for sale		(1,662,426)	(1,575,962)
Proceeds on sales of loans originated for sale		1,738,397	1,604,950
Increase in accrued interest receivable		(343)	(1,296)
Increase in cash surrender value of life insurance		(1,562)	(1,373)
(Decrease) increase in derivative assets		1,974	(3,025)
Increase in accrued interest on deposits and borrowings		4,709	1,725
Decrease in prepaid tax expense		303	891
Decrease in derivative liabilities		(2,916)	(844)
Gain on sale of mortgage servicing rights		(152)	(583)
Increase in other assets		(1,430)	(2,274)
Increase (decrease) in other liabilities		183	(4,464)
Net cash provided by (used in) operating activities		24,633	(26,578)
Investing activities:
Net increase in loans receivable		(31,100)	(140,949)
Debt securities		(12,201)	(1,888)
Mortgage related securities		(10,774)	(18,918)
Bank owned life insurance		(180)	(180)
FHLB stock		(2,340)	(9,441)
Premises and equipment		(745)	(283)
Principal repayments on mortgage-related securities		16,695	15,872
Maturities of debt securities		5,728	3,614
Sales of FHLB Stock		1,539	3,384
Proceeds on sales of mortgage servicing rights		(2,110)	(3,530)
Death benefit on bank owned life insurance		0	474
Net cash used in investing activities		(31,268)	(144,785)
Financing activities:
Net increase in deposits		73,217	6,150
Net change in short-term borrowings		(55,927)	242,133
Repayment of long-term debt		(145,000)	(215,000)
Proceeds from long-term debt		150,000	174,000
Net change in advance payments by borrowers for taxes		9,318	11,163
Cash dividends on common stock		(8,507)	(12,408)
Purchase of common stock returned to authorized but unissued		(12,115)	(19,843)
Proceeds from stock option exercises		635	819
Net cash provided by financing activities		11,621	187,014
Increase in cash and cash equivalents		4,986	15,651
Cash and cash equivalents at beginning of period		36,421	46,642
Cash and cash equivalents at end of period		41,407	62,293
Supplemental information:
Income tax payments		3,173	1,903
Interest payments		55,492	16,112
Noncash activities:
Dividends declared but not paid in other liabilities		$ 2,993	$ 3,229
[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, 2024
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 Wauwatosa Investments, Inc. operates in Nevada as owns and manages the majority of the consolidated investment portfolio. The investment securities portfolio is comprised principally of mortgage-backed securities, government-sponsored enterprise bonds and municipal obligations. 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, 2023 10 three nine September 30, 2024 not may December 31, 2024 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, 2024 Impact of Recent Accounting Pronouncements In December 2023, No. 2023 09, 740 December 15, 2024.

Note 2 - Securities Available f

Note 2 - Securities Available for Sale	9 Months Ended
	Sep. 30, 2024
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, 2024 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 11,581 $ 6 $ (1,259 ) $ 10,328 Collateralized mortgage obligations: Government sponsored enterprise issued 148,811 441 (16,571 ) 132,681 Private-label issued 7,344 - (589 ) 6,755 Mortgage-related securities 167,736 447 (18,419 ) 149,764 Government sponsored enterprise bonds 2,500 - (77 ) 2,423 Municipal securities 49,340 1,236 (846 ) 49,730 Other debt securities 12,500 - (1,253 ) 11,247 Debt securities 64,340 1,236 (2,176 ) 63,400 Total $ 232,076 $ 1,683 $ (20,595 ) $ 213,164 December 31, 2023 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 12,651 $ 5 $ (1,475 ) $ 11,181 Collateralized mortgage obligations Government sponsored enterprise issued 152,700 212 (19,445 ) 133,467 Private-label issued 8,061 - (801 ) 7,260 Mortgage related securities 173,412 217 (21,721 ) 151,908 Government sponsored enterprise bonds 2,500 - (152 ) 2,348 Municipal securities 39,304 980 (796 ) 39,488 Other debt securities 12,500 - (1,337 ) 11,163 Debt securities 54,304 980 (2,285 ) 52,999 Total $ 227,716 $ 1,197 $ (24,006 ) $ 204,907 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, 2024 December 31, 2023 September 30, 2024 December 31, 2023 The amortized cost and fair values of investment securities by contractual maturity at September 30, 2024 may may Amortized Fair Cost Value (In Thousands) Debt and other securities Due within one year $ 7,699 $ 7,612 Due after one year through five years 6,055 6,239 Due after five years through ten years 27,828 27,055 Due after ten years 22,758 22,494 Mortgage-related securities 167,736 149,764 Total $ 232,076 $ 213,164 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, 2024 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 $ - $ - $ 9,879 $ 1,259 $ 9,879 $ 1,259 Collateralized mortgage obligations: Government sponsored enterprise issued 3,326 9 101,959 16,562 105,285 16,571 Private-label issued - - 5,789 589 5,789 589 Government sponsored enterprise bonds - - 2,423 77 2,423 77 Municipal securities 1,497 3 5,604 843 7,101 846 Other debt securities - - 11,247 1,253 11,247 1,253 Total $ 4,823 $ 12 $ 136,901 $ 20,583 $ 141,724 $ 20,595 December 31, 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 $ 215 $ 1 $ 10,682 $ 1,474 $ 10,897 $ 1,475 Collateralized mortgage obligations: Government sponsored enterprise issued 2,442 42 110,271 19,403 112,713 19,445 Private-label issued - - 6,250 801 6,250 801 Government sponsored enterprise bonds - - 2,348 152 2,348 152 Municipal securities 7,597 36 5,808 760 13,405 796 Other debt securities - - 11,163 1,337 11,163 1,337 Total $ 10,254 $ 79 $ 146,522 $ 23,927 $ 156,776 $ 24,006 The Company reviews the investment securities portfolio on a quarterly basis to monitor securities in unrealized loss positions, which were comprised of 138 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, 2024 December 31, 2023 not not not not not During the three nine September 30, 2024 September 30, 2023

Note 3 - Loans Receivable

Note 3 - Loans Receivable	9 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 Loans receivable at September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 534,001 $ 551,190 Multi-family 723,238 707,566 Home equity 13,427 13,228 Construction and land 75,403 53,371 Commercial real estate 313,953 300,892 Consumer 897 848 Commercial loans 34,484 37,120 Total $ 1,695,403 $ 1,664,215 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 $1.25 billion at September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Certain of the Company's executive officers, directors, employees, and their related interests have loans with the Bank. These loans to related parties are summarized below: Nine months ended September 30, 2024 September 30, 2023 (In Thousands) Balance at beginning of period $ 3,319 $ 2,847 New loans 277 458 Repayments (505 ) (137 ) Balance at end of period $ 3,091 $ 3,168 None September 30, 2024 December 31, 2023 An analysis of past due loans receivable as of September 30, 2024 December 31, 2023 As of September 30, 2024 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 $ 5,271 $ 1,185 $ 3,920 $ 10,376 $ 523,625 $ 534,001 Multi-family - - - - 723,238 723,238 Home equity 86 - 31 117 13,310 13,427 Construction and land - - - - 75,403 75,403 Commercial real estate - - 129 129 313,824 313,953 Consumer - - - - 897 897 Commercial loans - - - - 34,484 34,484 Total $ 5,357 $ 1,185 $ 4,080 $ 10,622 $ 1,684,781 $ 1,695,403 As of December 31, 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 $ 5,265 $ 1,283 $ 4,270 $ 10,818 $ 540,372 $ 551,190 Multi-family - 6 - 6 707,560 $ 707,566 Home equity 209 - 34 243 12,985 $ 13,228 Construction and land - - - - 53,371 $ 53,371 Commercial real estate 54 - 129 183 300,709 $ 300,892 Consumer - - - - 848 $ 848 Commercial loans - - - - 37,120 $ 37,120 Total $ 5,528 $ 1,289 $ 4,433 $ 11,250 $ 1,652,965 $ 1,664,215 ( 1 September 30, 2024 December 31, 2023 ( 2 September 30, 2024 December 31, 2023 ( 3 September 30, 2024 December 31, 2023 The following tables present the activity in the allowance for credit losses by portfolio segment for the three nine September 30, 2024 three nine September 30, 2023 One- to Four-Family Multi-Family Home Equity Land and Construction Commercial Real Estate Consumer Commercial Total (In Thousands) Nine months ended September 30, 2024 Balance at beginning of period $ 6,886 $ 7,318 $ 211 $ 983 $ 2,561 $ 56 $ 534 $ 18,549 Provision (credit) for credit losses - loans (1,661 ) (243 ) (12 ) 271 1,204 43 (41 ) (439 ) Charge-offs (3 ) - - - - (26 ) - (29 ) Recoveries 104 8 - 2 3 - - 117 Balance at end of period $ 5,326 $ 7,083 $ 199 $ 1,256 $ 3,768 $ 73 $ 493 $ 18,198 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 One to-Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Three months ended September 30, 2024 Balance at beginning of period $ 5,838 $ 7,276 $ 273 $ 1,228 $ 3,227 $ 64 $ 508 $ 18,414 Provision (credit) for credit losses - loans (599 ) (196 ) (74 ) 28 540 23 (15 ) (293 ) Charge-offs - - - - - (14 ) - (14 ) Recoveries 87 3 - - 1 - - 91 Balance at end of period $ 5,326 $ 7,083 $ 199 $ 1,256 $ 3,768 $ 73 $ 493 $ 18,198 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 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 were utilized to reflect the forecast and other relevant factors. 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, 2024 December 31, 2023 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, 2024 September 30, 2023 September 30, 2024 September 30, 2023 (In Thousands) Provision (credit) for credit losses on: Loans $ (293 ) $ 206 $ (439 ) $ 829 Unfunded commitments (84 ) 239 (96 ) 262 Investment securities - - - - Total $ (377 ) $ 445 $ (535 ) $ 1,091 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 as of September 30, 2024 December 31, 2023 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 5,326 7,083 199 1,256 3,768 73 493 18,198 Allowance at end of period $ 5,326 $ 7,083 $ 199 $ 1,256 $ 3,768 $ 73 $ 493 $ 18,198 Collateral dependent loans $ 2,270 $ - $ 152 $ - $ 5,333 $ - $ 1,685 $ 9,440 Pooled loans 531,731 723,238 13,275 75,403 308,620 897 32,799 1,685,963 Total gross loans $ 534,001 $ 723,238 $ 13,427 $ 75,403 $ 313,953 $ 897 $ 34,484 $ 1,695,403 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 6,886 7,318 211 983 2,561 56 534 18,549 Allowance at end of period $ 6,886 $ 7,318 $ 211 $ 983 $ 2,561 $ 56 $ 534 $ 18,549 Collateral dependent loans $ 2,209 $ - $ 90 $ - $ 5,493 $ - $ 1,536 $ 9,328 Pooled loans 548,981 707,566 13,138 53,371 295,399 848 35,584 1,654,887 Total gross loans $ 551,190 $ 707,566 $ 13,228 $ 53,371 $ 300,892 $ 848 $ 37,120 $ 1,664,215 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 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, 2024 December 31, 2023 One to Four-Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) At September 30, 2024 Substandard $ 5,087 $ - $ 152 $ - $ 5,333 $ - $ 1,685 $ 12,257 Watch 7,089 185 670 143 7,459 - 75 15,621 Pass 521,825 723,053 12,605 75,260 301,161 897 32,724 1,667,525 $ 534,001 $ 723,238 $ 13,427 $ 75,403 $ 313,953 $ 897 $ 34,484 $ 1,695,403 At December 31, 2023 Substandard $ 4,503 $ - $ 90 $ - $ 5,492 $ - $ 1,536 $ 11,621 Watch 7,585 383 - - - - - 7,968 Pass 539,102 707,183 13,138 53,371 295,400 848 35,584 1,644,626 $ 551,190 $ 707,566 $ 13,228 $ 53,371 $ 300,892 $ 848 $ 37,120 $ 1,664,215 Credit Quality Information: The following table presents total loans by risk categories and year of origination as of September 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total (In Thousands) One- to four-family Pass $ 29,560 $ 182,378 $ 150,924 $ 42,424 $ 31,054 $ 84,811 $ 674 $ 521,825 Watch 4,644 581 1,080 - 73 711 - 7,089 Substandard 402 957 947 - - 2,781 - 5,087 Total 34,606 183,916 152,951 42,424 31,127 88,303 674 534,001 Multi-family Pass 59,929 119,533 203,677 130,071 111,388 97,598 857 $ 723,053 Watch - 185 - - - - - 185 Substandard - - - - - - - - Total 59,929 119,718 203,677 130,071 111,388 97,598 857 723,238 Home equity Pass 383 500 919 153 93 229 10,328 $ 12,605 Watch - - 670 - - - - 670 Substandard - - 16 14 - - 122 152 Total 383 500 1,605 167 93 229 10,450 13,427 Construction and land Pass 11,254 51,042 - 9,196 1,516 2,252 - $ 75,260 Watch - - 143 - - - - 143 Substandard - - - - - - - - Total 11,254 51,042 143 9,196 1,516 2,252 - 75,403 Commercial Real Estate Pass 52,648 68,248 52,585 59,344 31,726 36,057 553 $ 301,161 Watch 6,917 - 410 - 132 - - 7,459 Substandard - 5,204 129 - - - - 5,333 Total 59,565 73,452 53,124 59,344 31,858 36,057 553 313,953 Consumer Pass - - - - - - 897 $ 897 Watch - - - - - - - - Substandard - - - - - - - - Total - - - - - - 897 897 Commercial Pass 835 17,103 1,336 653 2,177 5,287 5,333 $ 32,724 Watch - - - - - - 75 75 Substandard - - 35 - - - 1,650 1,685 Total 835 17,103 1,371 653 2,177 5,287 7,058 34,484 Total Loans $ 166,572 $ 445,731 $ 412,871 $ 241,855 $ 178,159 $ 229,726 $ 20,489 $ 1,695,403 Gross charge-offs $ 3 $ - $ - $ - $ - $ 26 $ - $ 29 The following table presents total loans by risk categories and year of origination as of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total (In Thousands) One- to four-family Pass $ 196,255 $ 166,555 $ 46,378 $ 33,295 $ 19,966 $ 75,726 $ 927 $ 539,102 Watch 5,093 713 - - - 1,779 - 7,585 Substandard 1,450 353 - - - 2,700 - 4,503 Total 202,798 167,621 46,378 33,295 19,966 80,205 927 551,190 Multi-family Pass 122,289 214,074 135,823 117,669 44,878 71,632 818 707,183 Watch 191 6 - - - 186 - 383 Substandard - - - - - - - - Total 122,480 214,080 135,823 117,669 44,878 71,818 818 707,566 Home equity Pass 1,084 255 161 98 87 342 11,111 13,138 Watch - - - - - - - - Substandard - 18 17 - - - 55 90 Total 1,084 273 178 98 87 342 11,166 13,228 Construction and land Pass 38,079 1,348 9,349 2,146 2,255 194 - 53,371 Watch - - - - - - - - Substandard - - - - - - - - Total 38,079 1,348 9,349 2,146 2,255 194 - 53,371 Commercial Real Estate Pass 70,677 76,067 62,922 33,436 19,250 31,673 1,375 295,400 Watch - - - - - - - - Substandard 5,277 129 - 86 - - - 5,492 Total 75,954 76,196 62,922 33,522 19,250 31,673 1,375 300,892 Consumer Pass - - - - - - 848 848 Watch - - - - - - - - Substandard - - - - - - - - Total - - - - - - 848 848 Commercial Pass 17,019 1,631 904 2,668 80 5,435 7,847 35,584 Watch - - - - - - - - Substandard - 48 - - 13 - 1,475 1,536 Total 17,019 1,679 904 2,668 93 5,435 9,322 37,120 Total Loans $ 457,414 $ 461,197 $ 255,554 $ 189,398 $ 86,529 $ 189,667 $ 24,456 $ 1,664,215 The following presents data on restructurings of financing receivables whose borrowers are experiencing financial difficulty: As of September 30, 2024 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 523 1 $ 523 1 $ - - $ 523 1 $ 523 1 The following presents data on troubled debt restructurings: As of December 31, 2023 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 543 2 $ 543 2 $ - - $ 543 2 $ 543 2 The following presents restructurings of financing receivables whose borrowers are experiencing financial difficulty by concession type: As of September 30, 2024 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Principal forbearance $ 523 1 $ - - $ 523 1 $ 523 1 $ - - $ 523 1 The following presents troubled debt restructurings by concession type: As of December 31, 2023 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction $ 15 1 $ - - $ 15 1 Principal forbearance 528 1 - - 528 1 $ 543 2 $ - - $ 543 2 There were no restructurings of financing receivables whose borrowers are experiencing financial difficulty during the three nine September 30, 2024 three nine September 30, 2023 There were no restructurings of financing receivables whose borrowers are experiencing financial difficulty within the past twelve three nine September 30, 2024 September 30, 2023 The following table presents data on non-accrual loans as of September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 (Dollars in Thousands) Non-accrual loans: Residential One- to four-family $ 5,087 $ 4,503 Multi-family - - Home equity 152 90 Construction and land - - Commercial real estate 129 215 Commercial - - Consumer - - Total non-accrual loans $ 5,368 $ 4,808 Total non-accrual loans to total loans receivable 0.32 % 0.29 % Total non-accrual loans to total assets 0.24 % 0.22 % Residential one four September 30, 2024 December 31, 2023

Note 4 - Mortgage Servicing Rig

Note 4 - Mortgage Servicing Rights	9 Months Ended
	Sep. 30, 2024
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, 2024 2023 (In Thousands) Mortgage servicing rights at beginning of the period $ 1,811 $ 3,445 Additions 640 1,515 Amortization (215 ) (208 ) Sales (1,958 ) (2,767 ) Mortgage servicing rights at end of the period 278 1,985 Valuation allowance recovered during the period 213 - Mortgage servicing rights at end of the period, net $ 491 $ 1,985 During the nine September 30, 2024 September 30, 2024 December 31, 2023 not The fair value of mortgage servicing rights was $499,000 at September 30, 2024 December 31, 2023 During the three September 30, 2024 nine September 30, 2024 three September 30, 2023 nine September 30, 2023 $3.5 $583,000 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: 2024 $ 21 2025 89 2026 80 2027 71 2028 62 Thereafter 168 Total $ 491

Note 5 - Deposits

Note 5 - Deposits	9 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 5 Deposits At September 30, 2024 December 31, 2023 $250,000 not $250,000 A summary of the contractual maturities of time deposits at September 30, 2024 (In Thousands) Within one year $ 745,317 More than one to two years 56,655 More than two to three years 1,447 More than three to four years 399 More than four through five years 386 $ 804,204 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 $13.4 million and $9.0 million at September 30, 2024 December 31, 2023

Note 6 - Borrowings

Note 6 - Borrowings	9 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Debt Disclosure [Text Block]	Note 6 Borrowings Borrowings consist of the following: September 30, 2024 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Millions) FHLB advances Long-term $ 10,000 August 2, 2027 3.61 % Fixed Putable August 1, 2024 Monthly Long-term 10,000 August 5, 2027 3.36 % Fixed Putable August 5, 2024 Quarterly Long-term 50,000 December 14, 2027 1.73 % Fixed N/A December 14, 2017 N/A Long-term 10,000 May 15, 2029 3.54 % Fixed Putable May 15, 2024 Monthly Long-term 10,000 June 4, 2029 3.55 % Fixed Putable June 4, 2024 Monthly Long-term 10,000 June 5, 2029 3.48 % Fixed Putable June 5, 2024 Monthly Long-term 10,000 June 14, 2029 3.43 % Fixed Putable June 14, 2024 Monthly Long-term 10,000 June 18, 2029 3.47 % Fixed Putable June 18, 2024 Monthly Long-term 10,000 July 9, 2029 3.40 % Fixed Putable July 8, 2024 Monthly Long-term 10,000 July 12, 2029 3.35 % Fixed Putable July 12, 2024 Monthly Long-term 10,000 August 2, 2029 2.89 % Fixed Putable August 2, 2024 Monthly Long-term 10,000 September 6, 2034 2.32 % Fixed Putable September 6, 2024 Monthly Total FHLB long-term advances 160,000 2.82 % Short-Term 40,000 October 1, 2024 4.92 % Fixed N/A N/A N/A Short-Term 15,000 October 3, 2024 5.30 % Fixed N/A N/A N/A Short-Term 12,900 October 3, 2024 5.30 % Fixed N/A N/A N/A Short-Term 4,400 October 3, 2024 5.30 % Fixed N/A N/A N/A Short-Term 29,000 October 7, 2024 5.25 % Fixed N/A N/A N/A Short-Term 22,000 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 14,500 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 4,400 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 23,700 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 10,800 October 15, 2024 5.12 % Fixed N/A N/A N/A Short-Term 14,800 October 21, 2024 4.84 % Fixed N/A N/A N/A Short-Term 2,700 October 21, 2024 4.84 % Fixed N/A N/A N/A Short-Term 11,400 October 21, 2024 4.84 % Fixed N/A N/A N/A Short-Term 6,800 October 28, 2024 4.83 % Fixed N/A N/A N/A Short-Term 7,100 October 28, 2024 4.83 % Fixed N/A N/A N/A Short-Term 23,500 December 27, 2024 4.79 % Fixed N/A N/A N/A Short-Term 20,000 January 29, 2025 4.74 % Fixed N/A N/A N/A Total FHLB short-term advances 263,000 5.02 % Total FHLB advances 423,000 4.19 % Short-Term Borrowings Federal reserve bank Short-term $ 136,300 January 16, 2025 4.76 % Fixed N/A N/A N/A Total federal reserve bank $ 136,300 4.76 % Repurchase agreements Revolving $ 827 N/A 7.85 % Variable N/A N/A N/A Total short-term borrowings $ 137,127 4.78 % Total borrowings $ 560,127 4.33 % December 31, 2023 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Thousands) FHLB advances Long-term $ 50,000 December 14, 2027 1.73 % Fixed Putable December 14, 2019 Single Long-term 10,000 August 7, 2028 3.51 % Fixed Putable December 7, 2023 Quarterly Long-term 10,000 August 8, 2028 3.52 % Fixed Putable December 8, 2023 Quarterly Long-term 10,000 October 10, 2028 3.49 % Fixed Putable November 10, 2023 Quarterly Long-term 10,000 October 10, 2028 3.49 % Fixed Putable November 10, 2023 Quarterly Long-term 10,000 November 3, 2028 3.46 % Fixed Putable December 4, 2023 Quarterly Long-term 10,000 November 6, 2028 3.47 % Fixed Putable December 6, 2023 Quarterly Long-term 15,000 November 14, 2028 3.39 % Fixed Putable December 14, 2023 Quarterly Long-term 10,000 November 29, 2028 3.38 % Fixed Putable December 29, 2023 Quarterly Long-term 10,000 November 29, 2028 3.43 % Fixed Putable January 29, 2024 Quarterly Long-term 10,000 December 4, 2028 3.31 % Fixed Putable January 4, 2023 Quarterly Total FHLB long-term advances 155,000 2.89 % Short-term 60,000 January 2, 2024 5.44 % Fixed N/A N/A N/A Short-term 20,000 January 2, 2024 5.45 % Fixed N/A N/A N/A Short-term 20,000 January 5, 2024 5.48 % Fixed N/A N/A N/A Short-term 20,500 January 8, 2024 5.38 % Fixed N/A N/A N/A Short-term 18,000 January 8, 2024 5.38 % Fixed N/A N/A N/A Short-term 14,000 January 16, 2024 5.49 % Fixed N/A N/A N/A Short-term 21,000 January 22, 2024 5.36 % Fixed N/A N/A N/A Short-term 33,000 January 29, 2024 5.36 % Fixed N/A N/A N/A Short-term 27,500 February 20, 2024 5.41 % Fixed N/A N/A N/A Short-term 27,000 February 27, 2024 5.42 % Fixed N/A N/A N/A Short-term 24,500 March 13, 2024 5.39 % Fixed N/A N/A N/A Short-term 23,500 December 29, 2024 4.79 % Fixed N/A N/A N/A Total FHLB short-term advances 309,000 5.37 % Total FHLB advances 464,000 4.54 % Short-Term Borrowings Federal reserve bank Short-term $ 145,000 December 31, 2024 4.83 % Fixed N/A N/A N/A Total Federal reserve bank $ 145,000 4.83 % Repurchase agreements Revolving $ 2,054 N/A 8.20 % Variable N/A N/A N/A Total short-term borrowings $ 147,054 4.88 % Total borrowings $ 611,054 4.62 % The short-term repurchase agreement represents the outstanding portion of a total $50.0 million commitment with one September 30, 2024 September 30, 2024 December 31, 2023 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, 2024 not March 11, 2024. At September 30, 2024 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 76% of the carrying value of unencumbered one four September 30, 2024 December 31, 2023

Note 7 - Regulatory Capital

Note 7 - Regulatory Capital	9 Months Ended
	Sep. 30, 2024
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%. 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, 2024 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, 2024 December 31, 2023 September 30, 2024 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. $ 374,807 20.74 % $ 144,580 8.00 % $ 189,760 10.50 % N/A N/A Waterstone Bank 359,791 19.91 % 144,570 8.00 % 189,740 10.50 % 180,709 10.00 % Tier I Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 355,637 19.68 % 108,440 6.00 % 153,620 8.50 % N/A N/A Waterstone Bank 340,621 18.85 % 108,420 6.00 % 153,600 8.50 % 144,561 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 355,637 19.68 % 81,330 4.50 % 126,510 7.00 % N/A N/A Waterstone Bank 340,621 18.85 % 81,320 4.50 % 126,490 7.00 % 117,456 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 355,637 15.62 % 91,070 4.00 % N/A N/A N/A N/A Waterstone Bank 340,621 14.96 % 91,080 4.00 % N/A N/A 113,844 5.00 % State of Wisconsin (to total assets) Waterstone Bank 340,621 15.20 % 134,460 6.00 % N/A N/A N/A N/A December 31, 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. $ 380,351 21.50 % $ 141,538 8.00 % $ 185,769 10.50 % N/A N/A Waterstone Bank 355,476 20.10 % 141,515 8.00 % 185,738 10.50 % 176,893 10.00 % Tier I capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 360,734 20.39 % 106,154 6.00 % 150,385 8.50 % N/A N/A Waterstone Bank 335,859 18.99 % 106,117 6.00 % 150,332 8.50 % 141,489 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 360,734 20.39 % 79,615 4.50 % 123,846 7.00 % N/A N/A Waterstone Bank 335,859 18.99 % 79,587 4.50 % 123,803 7.00 % 114,960 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 360,734 16.77 % 86,043 4.00 % N/A N/A N/A N/A Waterstone Bank 335,859 15.62 % 86,007 4.00 % N/A N/A 107,509 5.00 % State of Wisconsin (to total assets) Waterstone Bank 335,859 15.20 % 132,576 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, 2024
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, 2024 December 31, 2023 (In Thousands) Financial instruments whose contract amounts represent potential credit risk: Commitments to extend credit under amortizing loans (1) $ 28,119 $ 9,789 Commitments to extend credit under home equity lines of credit (2) 11,663 11,722 Unused portion of construction loans (3) 55,149 76,660 Unused portion of business lines of credit 12,702 15,378 Standby letters of credit 604 514 ( 1 Commitments for loans are extended to customers for up to 90 ( 2 Unused portions of home equity loans are available to the borrower for up to 10 ( 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, 2024 December 31, 2023 3 Residential mortgage loans sold to others are predominantly conventional residential first first September 30, 2024 December 31, 2023 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, 2024
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, 2024 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 318.6 Other assets $ 0.5 Other liabilities $ - Interest rate locks 184.8 Other assets 0.4 Other liabilities - Interest rate swaps 124.9 Other assets 9.4 Other liabilities 9.4 December 31, 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 $ 268.8 Other assets $ - Other liabilities $ 0.4 Interest rate locks 170.9 Other assets 0.3 Other liabilities - Interest rate swaps 88.2 Other assets 12.0 Other liabilities 12.0 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, 2024 December 31, 2023 no No September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023

Note 10 - Earnings Per Share

Note 10 - Earnings Per Share	9 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 10 Earnings Per Share Earnings per share are computed using the two There were 183,000 and 199,000 antidilutive shares of common stock for the three September 30, 2024 2023 nine September 30, 2024 2023 Presented below are the calculations for basic and diluted earnings per share: Three months ended September 30, Nine months ended September 30, 2024 2023 2024 2023 (In Thousands, except per share amounts) Net income $ 4,728 $ 3,253 $ 13,478 $ 9,415 Weighted average shares outstanding 18,350 19,998 18,631 20,420 Effect of dilutive potential common shares 95 24 46 53 Diluted weighted average shares outstanding $ 18,445 $ 20,022 $ 18,677 $ 20,473 Basic earnings per share $ 0.26 $ 0.16 $ 0.72 $ 0.46 Diluted earnings per share $ 0.26 $ 0.16 $ 0.72 $ 0.46

Note 11 - Fair Value Measuremen

Note 11 - Fair Value Measurements	9 Months Ended
	Sep. 30, 2024
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, 2024 December 31, 2023 Fair Value Measurements Using September 30, 2024 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 10,328 $ - $ 10,328 $ - Collateralized mortgage obligations Government sponsored enterprise issued 132,681 - 132,681 - Private-label issued 6,755 - 6,755 - Government sponsored enterprise bonds 2,423 - 2,423 - Municipal securities 49,730 - 49,730 - Other debt securities 11,247 - 11,247 - Loans held for sale 155,846 - 155,846 - Mortgage banking derivative assets 958 - - 958 Interest rate swap assets 9,446 - 9,446 - Liabilities Mortgage banking derivative liabilities 46 - - 46 Interest rate swap liabilities 9,446 - 9,446 - Fair Value Measurements Using December 31, 2023 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 11,181 $ - $ 11,181 $ - Collateralized mortgage obligations Government sponsored enterprise issued 133,467 - 133,467 - Private-label issued 7,260 - 7,260 - Government sponsored enterprise bonds 2,348 - 2,348 - Municipal securities 39,488 - 39,488 - Other debt securities 11,163 - 11,163 - Loans held for sale 164,993 - 164,993 - Mortgage banking derivative assets 334 - - 334 Interest rate swap assets 12,044 - 12,044 - Liabilities Mortgage banking derivative liabilities 364 - - 364 Interest rate swap liabilities 12,044 - 12,044 - 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 2024 2023 Three months ended September 30, Nine months ended September 30, 2024 2023 2024 2023 (In Thousands) (In Thousands) Mortgage derivative, net balance at the beginning of the period $ 1,164 $ 2,504 $ (30 ) $ (994 ) Mortgage derivative (loss) gain, net (252 ) 372 942 3,870 Mortgage derivative, net balance at the end of the period $ 912 $ 2,876 $ 912 $ 2,876 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, 2024 December 31, 2023 Fair Value Measurements Using September 30, 2024 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 145 $ - $ - $ 145 Impaired mortgage servicing rights 432 - - 432 Fair Value Measurements Using December 31, 2023 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 254 $ - $ - $ 254 Impaired mortgage servicing rights 1,063 - - 1,063 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, 2024 December 31, 2023 Significant Unobservable Input Value Fair Value at Significant September 30, Valuation Unobservable Minimum Maximum Weighted 2024 Technique Inputs Value Value Average (Dollars in Thousands) Mortgage banking derivatives $ 912 Pricing models Pull through rate 1.7 % 99.6 % 76.5 % Real estate owned 145 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % Mortgage servicing rights 432 Pricing models Prepayment rate 6.5 % 30.7 % 21.3 % Discount rate 10.5 % 14.9 % 10.8 % Cost to service $ 83 $ 183 $ 86 December 31, 2023 Mortgage banking derivatives $ (30 ) Pricing models Pull through rate 20.5 % 99.9 % 69.8 % Real estate owned 254 Market approach Discount rates applied to appraisals 23.3 % 73.1 % 39.3 % Mortgage servicing rights 1,063 Pricing models Prepayment rate 6.7 % 23.9 % 14.6 % Discount rate 10.0 % 15.5 % 11.2 % Cost to service $ 77 $ 471 $ 107 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, 2024 December 31, 2023 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 $ 41,407 $ 41,407 $ 41,407 $ - $ - $ 36,421 $ 36,421 $ 36,421 $ - $ - Loans receivable 1,695,403 1,606,055 - - 1,606,055 1,664,215 1,558,472 - - 1,558,472 FHLB stock 21,681 21,681 21,681 - - 20,880 20,880 20,880 - - Accrued interest receivable 7,764 7,764 7,764 - - 7,421 7,421 7,421 - - Mortgage servicing rights 491 499 - - 499 1,811 2,207 - - 2,207 Financial Liabilities Deposits 1,263,841 1,263,603 459,637 803,966 - 1,190,624 1,189,274 460,340 728,934 - Advance payments by borrowers for taxes 27,847 27,847 27,847 - - 6,607 6,607 6,607 - - Borrowings 560,127 552,379 - 552,379 - 611,054 602,948 - 602,948 - Accrued interest payable 7,322 7,322 7,322 - - 2,613 2,613 2,613 - - 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, 2024 December 31, 2023

Note 12 - Segment Reporting

Note 12 - Segment Reporting	9 Months Ended
	Sep. 30, 2024
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 states with the ability to lend in 48 states. Presented below is the segment information: As of or for the three months ended September 30, 2024 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 12,250 $ (760 ) $ 27 $ 11,517 Provision (credit) for credit losses (302 ) (75 ) - (377 ) Net interest income (expense) after provision (credit) for credit losses 12,552 (685 ) 27 11,894 Noninterest income: 1,227 21,386 (61 ) 22,552 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 5,326 15,930 (239 ) 21,017 Occupancy, office furniture and equipment 904 953 - 1,857 Advertising 311 615 - 926 Data processing 720 570 7 1,297 Communications 80 152 - 232 Professional fees 190 379 - 569 Real estate owned - - - - Loan processing expense - 697 - 697 Other 602 1,261 102 1,965 Total noninterest expenses 8,133 20,557 (130 ) 28,560 Income before income tax expense 5,646 144 96 5,886 Income tax expense 941 194 23 1,158 Net income (loss) $ 4,705 $ (50 ) $ 73 $ 4,728 Total Assets $ 2,472,126 $ 193,726 $ (421,516 ) $ 2,244,336 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 nine months ended September 30, 2024 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 35,082 $ (1,853 ) $ 104 $ 33,333 Provision (credit) for credit losses (476 ) (59 ) - (535 ) Net interest income (expense) after provision (credit) for credit losses 35,558 (1,794 ) 104 33,868 Noninterest income: 3,708 66,795 (206 ) 70,297 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 15,802 47,572 (719 ) 62,655 Occupancy, office furniture and equipment 2,887 3,107 - 5,994 Advertising 714 2,113 - 2,827 Data processing 2,100 1,627 18 3,745 Communications 217 481 - 698 Professional fees 575 1,468 27 2,070 Real estate owned 14 - - 14 Loan processing expense - 2,604 - 2,604 Other 1,965 3,519 278 5,762 Total noninterest expenses 24,274 62,491 (396 ) 86,369 Income before income tax expense 14,992 2,510 294 17,796 Income tax expense 3,298 949 71 4,318 Net income $ 11,694 $ 1,561 $ 223 $ 13,478 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 (loss) $ 39,677 $ (1,454 ) $ 236 $ 38,459 Provision for credit losses 991 100 - 1,091 Net interest income (loss) 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

Insider Trading Arrangements

Insider Trading Arrangements	9 Months Ended
	Sep. 30, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]	5. Other Information During the three nine September 30, 2024 no 10b5 1 10b5 1
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Subsequent Events, Policy [Policy Text Block]	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, 2024
New Accounting Pronouncements, Policy [Policy Text Block]	Impact of Recent Accounting Pronouncements In December 2023, No. 2023 09, 740 December 15, 2024.

Note 2 - Securities Available_2

Note 2 - Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	September 30, 2024 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 11,581 $ 6 $ (1,259 ) $ 10,328 Collateralized mortgage obligations: Government sponsored enterprise issued 148,811 441 (16,571 ) 132,681 Private-label issued 7,344 - (589 ) 6,755 Mortgage-related securities 167,736 447 (18,419 ) 149,764 Government sponsored enterprise bonds 2,500 - (77 ) 2,423 Municipal securities 49,340 1,236 (846 ) 49,730 Other debt securities 12,500 - (1,253 ) 11,247 Debt securities 64,340 1,236 (2,176 ) 63,400 Total $ 232,076 $ 1,683 $ (20,595 ) $ 213,164 December 31, 2023 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 12,651 $ 5 $ (1,475 ) $ 11,181 Collateralized mortgage obligations Government sponsored enterprise issued 152,700 212 (19,445 ) 133,467 Private-label issued 8,061 - (801 ) 7,260 Mortgage related securities 173,412 217 (21,721 ) 151,908 Government sponsored enterprise bonds 2,500 - (152 ) 2,348 Municipal securities 39,304 980 (796 ) 39,488 Other debt securities 12,500 - (1,337 ) 11,163 Debt securities 54,304 980 (2,285 ) 52,999 Total $ 227,716 $ 1,197 $ (24,006 ) $ 204,907
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Fair Cost Value (In Thousands) Debt and other securities Due within one year $ 7,699 $ 7,612 Due after one year through five years 6,055 6,239 Due after five years through ten years 27,828 27,055 Due after ten years 22,758 22,494 Mortgage-related securities 167,736 149,764 Total $ 232,076 $ 213,164
Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]	September 30, 2024 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 $ - $ - $ 9,879 $ 1,259 $ 9,879 $ 1,259 Collateralized mortgage obligations: Government sponsored enterprise issued 3,326 9 101,959 16,562 105,285 16,571 Private-label issued - - 5,789 589 5,789 589 Government sponsored enterprise bonds - - 2,423 77 2,423 77 Municipal securities 1,497 3 5,604 843 7,101 846 Other debt securities - - 11,247 1,253 11,247 1,253 Total $ 4,823 $ 12 $ 136,901 $ 20,583 $ 141,724 $ 20,595 December 31, 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 $ 215 $ 1 $ 10,682 $ 1,474 $ 10,897 $ 1,475 Collateralized mortgage obligations: Government sponsored enterprise issued 2,442 42 110,271 19,403 112,713 19,445 Private-label issued - - 6,250 801 6,250 801 Government sponsored enterprise bonds - - 2,348 152 2,348 152 Municipal securities 7,597 36 5,808 760 13,405 796 Other debt securities - - 11,163 1,337 11,163 1,337 Total $ 10,254 $ 79 $ 146,522 $ 23,927 $ 156,776 $ 24,006

Note 3 - Loans Receivable (Tabl

Note 3 - Loans Receivable (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, 2024 December 31, 2023 (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 534,001 $ 551,190 Multi-family 723,238 707,566 Home equity 13,427 13,228 Construction and land 75,403 53,371 Commercial real estate 313,953 300,892 Consumer 897 848 Commercial loans 34,484 37,120 Total $ 1,695,403 $ 1,664,215
Schedule of Related Party Transactions [Table Text Block]	Nine months ended September 30, 2024 September 30, 2023 (In Thousands) Balance at beginning of period $ 3,319 $ 2,847 New loans 277 458 Repayments (505 ) (137 ) Balance at end of period $ 3,091 $ 3,168
Financing Receivable, Past Due [Table Text Block]	As of September 30, 2024 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 $ 5,271 $ 1,185 $ 3,920 $ 10,376 $ 523,625 $ 534,001 Multi-family - - - - 723,238 723,238 Home equity 86 - 31 117 13,310 13,427 Construction and land - - - - 75,403 75,403 Commercial real estate - - 129 129 313,824 313,953 Consumer - - - - 897 897 Commercial loans - - - - 34,484 34,484 Total $ 5,357 $ 1,185 $ 4,080 $ 10,622 $ 1,684,781 $ 1,695,403 As of December 31, 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 $ 5,265 $ 1,283 $ 4,270 $ 10,818 $ 540,372 $ 551,190 Multi-family - 6 - 6 707,560 $ 707,566 Home equity 209 - 34 243 12,985 $ 13,228 Construction and land - - - - 53,371 $ 53,371 Commercial real estate 54 - 129 183 300,709 $ 300,892 Consumer - - - - 848 $ 848 Commercial loans - - - - 37,120 $ 37,120 Total $ 5,528 $ 1,289 $ 4,433 $ 11,250 $ 1,652,965 $ 1,664,215
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, 2024 Balance at beginning of period $ 6,886 $ 7,318 $ 211 $ 983 $ 2,561 $ 56 $ 534 $ 18,549 Provision (credit) for credit losses - loans (1,661 ) (243 ) (12 ) 271 1,204 43 (41 ) (439 ) Charge-offs (3 ) - - - - (26 ) - (29 ) Recoveries 104 8 - 2 3 - - 117 Balance at end of period $ 5,326 $ 7,083 $ 199 $ 1,256 $ 3,768 $ 73 $ 493 $ 18,198 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 One to-Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Three months ended September 30, 2024 Balance at beginning of period $ 5,838 $ 7,276 $ 273 $ 1,228 $ 3,227 $ 64 $ 508 $ 18,414 Provision (credit) for credit losses - loans (599 ) (196 ) (74 ) 28 540 23 (15 ) (293 ) Charge-offs - - - - - (14 ) - (14 ) Recoveries 87 3 - - 1 - - 91 Balance at end of period $ 5,326 $ 7,083 $ 199 $ 1,256 $ 3,768 $ 73 $ 493 $ 18,198 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
Schedule of Allowance for Credit Losses [Table Text Block]	Three months ended Nine months ended September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 (In Thousands) Provision (credit) for credit losses on: Loans $ (293 ) $ 206 $ (439 ) $ 829 Unfunded commitments (84 ) 239 (96 ) 262 Investment securities - - - - Total $ (377 ) $ 445 $ (535 ) $ 1,091
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 5,326 7,083 199 1,256 3,768 73 493 18,198 Allowance at end of period $ 5,326 $ 7,083 $ 199 $ 1,256 $ 3,768 $ 73 $ 493 $ 18,198 Collateral dependent loans $ 2,270 $ - $ 152 $ - $ 5,333 $ - $ 1,685 $ 9,440 Pooled loans 531,731 723,238 13,275 75,403 308,620 897 32,799 1,685,963 Total gross loans $ 534,001 $ 723,238 $ 13,427 $ 75,403 $ 313,953 $ 897 $ 34,484 $ 1,695,403 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 6,886 7,318 211 983 2,561 56 534 18,549 Allowance at end of period $ 6,886 $ 7,318 $ 211 $ 983 $ 2,561 $ 56 $ 534 $ 18,549 Collateral dependent loans $ 2,209 $ - $ 90 $ - $ 5,493 $ - $ 1,536 $ 9,328 Pooled loans 548,981 707,566 13,138 53,371 295,399 848 35,584 1,654,887 Total gross loans $ 551,190 $ 707,566 $ 13,228 $ 53,371 $ 300,892 $ 848 $ 37,120 $ 1,664,215
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, 2024 Substandard $ 5,087 $ - $ 152 $ - $ 5,333 $ - $ 1,685 $ 12,257 Watch 7,089 185 670 143 7,459 - 75 15,621 Pass 521,825 723,053 12,605 75,260 301,161 897 32,724 1,667,525 $ 534,001 $ 723,238 $ 13,427 $ 75,403 $ 313,953 $ 897 $ 34,484 $ 1,695,403 At December 31, 2023 Substandard $ 4,503 $ - $ 90 $ - $ 5,492 $ - $ 1,536 $ 11,621 Watch 7,585 383 - - - - - 7,968 Pass 539,102 707,183 13,138 53,371 295,400 848 35,584 1,644,626 $ 551,190 $ 707,566 $ 13,228 $ 53,371 $ 300,892 $ 848 $ 37,120 $ 1,664,215 2024 2023 2022 2021 2020 Prior Revolving Total (In Thousands) One- to four-family Pass $ 29,560 $ 182,378 $ 150,924 $ 42,424 $ 31,054 $ 84,811 $ 674 $ 521,825 Watch 4,644 581 1,080 - 73 711 - 7,089 Substandard 402 957 947 - - 2,781 - 5,087 Total 34,606 183,916 152,951 42,424 31,127 88,303 674 534,001 Multi-family Pass 59,929 119,533 203,677 130,071 111,388 97,598 857 $ 723,053 Watch - 185 - - - - - 185 Substandard - - - - - - - - Total 59,929 119,718 203,677 130,071 111,388 97,598 857 723,238 Home equity Pass 383 500 919 153 93 229 10,328 $ 12,605 Watch - - 670 - - - - 670 Substandard - - 16 14 - - 122 152 Total 383 500 1,605 167 93 229 10,450 13,427 Construction and land Pass 11,254 51,042 - 9,196 1,516 2,252 - $ 75,260 Watch - - 143 - - - - 143 Substandard - - - - - - - - Total 11,254 51,042 143 9,196 1,516 2,252 - 75,403 Commercial Real Estate Pass 52,648 68,248 52,585 59,344 31,726 36,057 553 $ 301,161 Watch 6,917 - 410 - 132 - - 7,459 Substandard - 5,204 129 - - - - 5,333 Total 59,565 73,452 53,124 59,344 31,858 36,057 553 313,953 Consumer Pass - - - - - - 897 $ 897 Watch - - - - - - - - Substandard - - - - - - - - Total - - - - - - 897 897 Commercial Pass 835 17,103 1,336 653 2,177 5,287 5,333 $ 32,724 Watch - - - - - - 75 75 Substandard - - 35 - - - 1,650 1,685 Total 835 17,103 1,371 653 2,177 5,287 7,058 34,484 Total Loans $ 166,572 $ 445,731 $ 412,871 $ 241,855 $ 178,159 $ 229,726 $ 20,489 $ 1,695,403 Gross charge-offs $ 3 $ - $ - $ - $ - $ 26 $ - $ 29 2023 2022 2021 2020 2019 Prior Revolving Total (In Thousands) One- to four-family Pass $ 196,255 $ 166,555 $ 46,378 $ 33,295 $ 19,966 $ 75,726 $ 927 $ 539,102 Watch 5,093 713 - - - 1,779 - 7,585 Substandard 1,450 353 - - - 2,700 - 4,503 Total 202,798 167,621 46,378 33,295 19,966 80,205 927 551,190 Multi-family Pass 122,289 214,074 135,823 117,669 44,878 71,632 818 707,183 Watch 191 6 - - - 186 - 383 Substandard - - - - - - - - Total 122,480 214,080 135,823 117,669 44,878 71,818 818 707,566 Home equity Pass 1,084 255 161 98 87 342 11,111 13,138 Watch - - - - - - - - Substandard - 18 17 - - - 55 90 Total 1,084 273 178 98 87 342 11,166 13,228 Construction and land Pass 38,079 1,348 9,349 2,146 2,255 194 - 53,371 Watch - - - - - - - - Substandard - - - - - - - - Total 38,079 1,348 9,349 2,146 2,255 194 - 53,371 Commercial Real Estate Pass 70,677 76,067 62,922 33,436 19,250 31,673 1,375 295,400 Watch - - - - - - - - Substandard 5,277 129 - 86 - - - 5,492 Total 75,954 76,196 62,922 33,522 19,250 31,673 1,375 300,892 Consumer Pass - - - - - - 848 848 Watch - - - - - - - - Substandard - - - - - - - - Total - - - - - - 848 848 Commercial Pass 17,019 1,631 904 2,668 80 5,435 7,847 35,584 Watch - - - - - - - - Substandard - 48 - - 13 - 1,475 1,536 Total 17,019 1,679 904 2,668 93 5,435 9,322 37,120 Total Loans $ 457,414 $ 461,197 $ 255,554 $ 189,398 $ 86,529 $ 189,667 $ 24,456 $ 1,664,215
Financing Receivable, Modified [Table Text Block]	As of September 30, 2024 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 523 1 $ 523 1 $ - - $ 523 1 $ 523 1 As of December 31, 2023 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 543 2 $ 543 2 $ - - $ 543 2 $ 543 2 As of September 30, 2024 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Principal forbearance $ 523 1 $ - - $ 523 1 $ 523 1 $ - - $ 523 1 As of December 31, 2023 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction $ 15 1 $ - - $ 15 1 Principal forbearance 528 1 - - 528 1 $ 543 2 $ - - $ 543 2
Financing Receivable, Nonaccrual [Table Text Block]	September 30, 2024 December 31, 2023 (Dollars in Thousands) Non-accrual loans: Residential One- to four-family $ 5,087 $ 4,503 Multi-family - - Home equity 152 90 Construction and land - - Commercial real estate 129 215 Commercial - - Consumer - - Total non-accrual loans $ 5,368 $ 4,808 Total non-accrual loans to total loans receivable 0.32 % 0.29 % Total non-accrual loans to total assets 0.24 % 0.22 %

Note 4 - Mortgage Servicing R_2

Note 4 - Mortgage Servicing Rights (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Servicing Asset at Amortized Cost [Table Text Block]	Nine months ended September 30, 2024 2023 (In Thousands) Mortgage servicing rights at beginning of the period $ 1,811 $ 3,445 Additions 640 1,515 Amortization (215 ) (208 ) Sales (1,958 ) (2,767 ) Mortgage servicing rights at end of the period 278 1,985 Valuation allowance recovered during the period 213 - Mortgage servicing rights at end of the period, net $ 491 $ 1,985
Future Amortization Expenses for Mortgage Servicing Rights [Table Text Block]	(In Thousands) Estimate for the annual period ending December 31: 2024 $ 21 2025 89 2026 80 2027 71 2028 62 Thereafter 168 Total $ 491

Note 5 - Deposits (Tables)

Note 5 - Deposits (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Time Deposit Maturities [Table Text Block]	(In Thousands) Within one year $ 745,317 More than one to two years 56,655 More than two to three years 1,447 More than three to four years 399 More than four through five years 386 $ 804,204

Note 6 - Borrowings (Tables)

Note 6 - Borrowings (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Debt [Table Text Block]	September 30, 2024 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Millions) FHLB advances Long-term $ 10,000 August 2, 2027 3.61 % Fixed Putable August 1, 2024 Monthly Long-term 10,000 August 5, 2027 3.36 % Fixed Putable August 5, 2024 Quarterly Long-term 50,000 December 14, 2027 1.73 % Fixed N/A December 14, 2017 N/A Long-term 10,000 May 15, 2029 3.54 % Fixed Putable May 15, 2024 Monthly Long-term 10,000 June 4, 2029 3.55 % Fixed Putable June 4, 2024 Monthly Long-term 10,000 June 5, 2029 3.48 % Fixed Putable June 5, 2024 Monthly Long-term 10,000 June 14, 2029 3.43 % Fixed Putable June 14, 2024 Monthly Long-term 10,000 June 18, 2029 3.47 % Fixed Putable June 18, 2024 Monthly Long-term 10,000 July 9, 2029 3.40 % Fixed Putable July 8, 2024 Monthly Long-term 10,000 July 12, 2029 3.35 % Fixed Putable July 12, 2024 Monthly Long-term 10,000 August 2, 2029 2.89 % Fixed Putable August 2, 2024 Monthly Long-term 10,000 September 6, 2034 2.32 % Fixed Putable September 6, 2024 Monthly Total FHLB long-term advances 160,000 2.82 % Short-Term 40,000 October 1, 2024 4.92 % Fixed N/A N/A N/A Short-Term 15,000 October 3, 2024 5.30 % Fixed N/A N/A N/A Short-Term 12,900 October 3, 2024 5.30 % Fixed N/A N/A N/A Short-Term 4,400 October 3, 2024 5.30 % Fixed N/A N/A N/A Short-Term 29,000 October 7, 2024 5.25 % Fixed N/A N/A N/A Short-Term 22,000 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 14,500 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 4,400 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 23,700 October 15, 2024 5.13 % Fixed N/A N/A N/A Short-Term 10,800 October 15, 2024 5.12 % Fixed N/A N/A N/A Short-Term 14,800 October 21, 2024 4.84 % Fixed N/A N/A N/A Short-Term 2,700 October 21, 2024 4.84 % Fixed N/A N/A N/A Short-Term 11,400 October 21, 2024 4.84 % Fixed N/A N/A N/A Short-Term 6,800 October 28, 2024 4.83 % Fixed N/A N/A N/A Short-Term 7,100 October 28, 2024 4.83 % Fixed N/A N/A N/A Short-Term 23,500 December 27, 2024 4.79 % Fixed N/A N/A N/A Short-Term 20,000 January 29, 2025 4.74 % Fixed N/A N/A N/A Total FHLB short-term advances 263,000 5.02 % Total FHLB advances 423,000 4.19 % Short-Term Borrowings Federal reserve bank Short-term $ 136,300 January 16, 2025 4.76 % Fixed N/A N/A N/A Total federal reserve bank $ 136,300 4.76 % Repurchase agreements Revolving $ 827 N/A 7.85 % Variable N/A N/A N/A Total short-term borrowings $ 137,127 4.78 % Total borrowings $ 560,127 4.33 % December 31, 2023 Category Term Amount Maturity Rate Rate Type Callable/Putable Start Date Frequency (Dollars in Thousands) FHLB advances Long-term $ 50,000 December 14, 2027 1.73 % Fixed Putable December 14, 2019 Single Long-term 10,000 August 7, 2028 3.51 % Fixed Putable December 7, 2023 Quarterly Long-term 10,000 August 8, 2028 3.52 % Fixed Putable December 8, 2023 Quarterly Long-term 10,000 October 10, 2028 3.49 % Fixed Putable November 10, 2023 Quarterly Long-term 10,000 October 10, 2028 3.49 % Fixed Putable November 10, 2023 Quarterly Long-term 10,000 November 3, 2028 3.46 % Fixed Putable December 4, 2023 Quarterly Long-term 10,000 November 6, 2028 3.47 % Fixed Putable December 6, 2023 Quarterly Long-term 15,000 November 14, 2028 3.39 % Fixed Putable December 14, 2023 Quarterly Long-term 10,000 November 29, 2028 3.38 % Fixed Putable December 29, 2023 Quarterly Long-term 10,000 November 29, 2028 3.43 % Fixed Putable January 29, 2024 Quarterly Long-term 10,000 December 4, 2028 3.31 % Fixed Putable January 4, 2023 Quarterly Total FHLB long-term advances 155,000 2.89 % Short-term 60,000 January 2, 2024 5.44 % Fixed N/A N/A N/A Short-term 20,000 January 2, 2024 5.45 % Fixed N/A N/A N/A Short-term 20,000 January 5, 2024 5.48 % Fixed N/A N/A N/A Short-term 20,500 January 8, 2024 5.38 % Fixed N/A N/A N/A Short-term 18,000 January 8, 2024 5.38 % Fixed N/A N/A N/A Short-term 14,000 January 16, 2024 5.49 % Fixed N/A N/A N/A Short-term 21,000 January 22, 2024 5.36 % Fixed N/A N/A N/A Short-term 33,000 January 29, 2024 5.36 % Fixed N/A N/A N/A Short-term 27,500 February 20, 2024 5.41 % Fixed N/A N/A N/A Short-term 27,000 February 27, 2024 5.42 % Fixed N/A N/A N/A Short-term 24,500 March 13, 2024 5.39 % Fixed N/A N/A N/A Short-term 23,500 December 29, 2024 4.79 % Fixed N/A N/A N/A Total FHLB short-term advances 309,000 5.37 % Total FHLB advances 464,000 4.54 % Short-Term Borrowings Federal reserve bank Short-term $ 145,000 December 31, 2024 4.83 % Fixed N/A N/A N/A Total Federal reserve bank $ 145,000 4.83 % Repurchase agreements Revolving $ 2,054 N/A 8.20 % Variable N/A N/A N/A Total short-term borrowings $ 147,054 4.88 % Total borrowings $ 611,054 4.62 %

Note 7 - Regulatory Capital (Ta

Note 7 - Regulatory Capital (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	September 30, 2024 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. $ 374,807 20.74 % $ 144,580 8.00 % $ 189,760 10.50 % N/A N/A Waterstone Bank 359,791 19.91 % 144,570 8.00 % 189,740 10.50 % 180,709 10.00 % Tier I Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 355,637 19.68 % 108,440 6.00 % 153,620 8.50 % N/A N/A Waterstone Bank 340,621 18.85 % 108,420 6.00 % 153,600 8.50 % 144,561 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 355,637 19.68 % 81,330 4.50 % 126,510 7.00 % N/A N/A Waterstone Bank 340,621 18.85 % 81,320 4.50 % 126,490 7.00 % 117,456 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 355,637 15.62 % 91,070 4.00 % N/A N/A N/A N/A Waterstone Bank 340,621 14.96 % 91,080 4.00 % N/A N/A 113,844 5.00 % State of Wisconsin (to total assets) Waterstone Bank 340,621 15.20 % 134,460 6.00 % N/A N/A N/A N/A December 31, 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. $ 380,351 21.50 % $ 141,538 8.00 % $ 185,769 10.50 % N/A N/A Waterstone Bank 355,476 20.10 % 141,515 8.00 % 185,738 10.50 % 176,893 10.00 % Tier I capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 360,734 20.39 % 106,154 6.00 % 150,385 8.50 % N/A N/A Waterstone Bank 335,859 18.99 % 106,117 6.00 % 150,332 8.50 % 141,489 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 360,734 20.39 % 79,615 4.50 % 123,846 7.00 % N/A N/A Waterstone Bank 335,859 18.99 % 79,587 4.50 % 123,803 7.00 % 114,960 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 360,734 16.77 % 86,043 4.00 % N/A N/A N/A N/A Waterstone Bank 335,859 15.62 % 86,007 4.00 % N/A N/A 107,509 5.00 % State of Wisconsin (to total assets) Waterstone Bank 335,859 15.20 % 132,576 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, 2024
Notes Tables
Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]	September 30, 2024 December 31, 2023 (In Thousands) Financial instruments whose contract amounts represent potential credit risk: Commitments to extend credit under amortizing loans (1) $ 28,119 $ 9,789 Commitments to extend credit under home equity lines of credit (2) 11,663 11,722 Unused portion of construction loans (3) 55,149 76,660 Unused portion of business lines of credit 12,702 15,378 Standby letters of credit 604 514

Note 9 - Derivative Financial_2

Note 9 - Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	September 30, 2024 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 318.6 Other assets $ 0.5 Other liabilities $ - Interest rate locks 184.8 Other assets 0.4 Other liabilities - Interest rate swaps 124.9 Other assets 9.4 Other liabilities 9.4 December 31, 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 $ 268.8 Other assets $ - Other liabilities $ 0.4 Interest rate locks 170.9 Other assets 0.3 Other liabilities - Interest rate swaps 88.2 Other assets 12.0 Other liabilities 12.0

Note 10 - Earnings Per Share (T

Note 10 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three months ended September 30, Nine months ended September 30, 2024 2023 2024 2023 (In Thousands, except per share amounts) Net income $ 4,728 $ 3,253 $ 13,478 $ 9,415 Weighted average shares outstanding 18,350 19,998 18,631 20,420 Effect of dilutive potential common shares 95 24 46 53 Diluted weighted average shares outstanding $ 18,445 $ 20,022 $ 18,677 $ 20,473 Basic earnings per share $ 0.26 $ 0.16 $ 0.72 $ 0.46 Diluted earnings per share $ 0.26 $ 0.16 $ 0.72 $ 0.46

Note 11 - Fair Value Measurem_2

Note 11 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using September 30, 2024 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 10,328 $ - $ 10,328 $ - Collateralized mortgage obligations Government sponsored enterprise issued 132,681 - 132,681 - Private-label issued 6,755 - 6,755 - Government sponsored enterprise bonds 2,423 - 2,423 - Municipal securities 49,730 - 49,730 - Other debt securities 11,247 - 11,247 - Loans held for sale 155,846 - 155,846 - Mortgage banking derivative assets 958 - - 958 Interest rate swap assets 9,446 - 9,446 - Liabilities Mortgage banking derivative liabilities 46 - - 46 Interest rate swap liabilities 9,446 - 9,446 - Fair Value Measurements Using December 31, 2023 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 11,181 $ - $ 11,181 $ - Collateralized mortgage obligations Government sponsored enterprise issued 133,467 - 133,467 - Private-label issued 7,260 - 7,260 - Government sponsored enterprise bonds 2,348 - 2,348 - Municipal securities 39,488 - 39,488 - Other debt securities 11,163 - 11,163 - Loans held for sale 164,993 - 164,993 - Mortgage banking derivative assets 334 - - 334 Interest rate swap assets 12,044 - 12,044 - Liabilities Mortgage banking derivative liabilities 364 - - 364 Interest rate swap liabilities 12,044 - 12,044 -
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Three months ended September 30, Nine months ended September 30, 2024 2023 2024 2023 (In Thousands) (In Thousands) Mortgage derivative, net balance at the beginning of the period $ 1,164 $ 2,504 $ (30 ) $ (994 ) Mortgage derivative (loss) gain, net (252 ) 372 942 3,870 Mortgage derivative, net balance at the end of the period $ 912 $ 2,876 $ 912 $ 2,876
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements Using September 30, 2024 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 145 $ - $ - $ 145 Impaired mortgage servicing rights 432 - - 432 Fair Value Measurements Using December 31, 2023 Level 1 Level 2 Level 3 (In Thousands) Real estate owned $ 254 $ - $ - $ 254 Impaired mortgage servicing rights 1,063 - - 1,063
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 2024 Technique Inputs Value Value Average (Dollars in Thousands) Mortgage banking derivatives $ 912 Pricing models Pull through rate 1.7 % 99.6 % 76.5 % Real estate owned 145 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % Mortgage servicing rights 432 Pricing models Prepayment rate 6.5 % 30.7 % 21.3 % Discount rate 10.5 % 14.9 % 10.8 % Cost to service $ 83 $ 183 $ 86 December 31, 2023 Mortgage banking derivatives $ (30 ) Pricing models Pull through rate 20.5 % 99.9 % 69.8 % Real estate owned 254 Market approach Discount rates applied to appraisals 23.3 % 73.1 % 39.3 % Mortgage servicing rights 1,063 Pricing models Prepayment rate 6.7 % 23.9 % 14.6 % Discount rate 10.0 % 15.5 % 11.2 % Cost to service $ 77 $ 471 $ 107
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 2024 December 31, 2023 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 $ 41,407 $ 41,407 $ 41,407 $ - $ - $ 36,421 $ 36,421 $ 36,421 $ - $ - Loans receivable 1,695,403 1,606,055 - - 1,606,055 1,664,215 1,558,472 - - 1,558,472 FHLB stock 21,681 21,681 21,681 - - 20,880 20,880 20,880 - - Accrued interest receivable 7,764 7,764 7,764 - - 7,421 7,421 7,421 - - Mortgage servicing rights 491 499 - - 499 1,811 2,207 - - 2,207 Financial Liabilities Deposits 1,263,841 1,263,603 459,637 803,966 - 1,190,624 1,189,274 460,340 728,934 - Advance payments by borrowers for taxes 27,847 27,847 27,847 - - 6,607 6,607 6,607 - - Borrowings 560,127 552,379 - 552,379 - 611,054 602,948 - 602,948 - Accrued interest payable 7,322 7,322 7,322 - - 2,613 2,613 2,613 - -

Note 12 - Segment Reporting (Ta

Note 12 - Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2024
Notes Tables
Reconciliation of Revenue from Segments to Consolidated [Table Text Block]	As of or for the three months ended September 30, 2024 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 12,250 $ (760 ) $ 27 $ 11,517 Provision (credit) for credit losses (302 ) (75 ) - (377 ) Net interest income (expense) after provision (credit) for credit losses 12,552 (685 ) 27 11,894 Noninterest income: 1,227 21,386 (61 ) 22,552 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 5,326 15,930 (239 ) 21,017 Occupancy, office furniture and equipment 904 953 - 1,857 Advertising 311 615 - 926 Data processing 720 570 7 1,297 Communications 80 152 - 232 Professional fees 190 379 - 569 Real estate owned - - - - Loan processing expense - 697 - 697 Other 602 1,261 102 1,965 Total noninterest expenses 8,133 20,557 (130 ) 28,560 Income before income tax expense 5,646 144 96 5,886 Income tax expense 941 194 23 1,158 Net income (loss) $ 4,705 $ (50 ) $ 73 $ 4,728 Total Assets $ 2,472,126 $ 193,726 $ (421,516 ) $ 2,244,336 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 nine months ended September 30, 2024 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 35,082 $ (1,853 ) $ 104 $ 33,333 Provision (credit) for credit losses (476 ) (59 ) - (535 ) Net interest income (expense) after provision (credit) for credit losses 35,558 (1,794 ) 104 33,868 Noninterest income: 3,708 66,795 (206 ) 70,297 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 15,802 47,572 (719 ) 62,655 Occupancy, office furniture and equipment 2,887 3,107 - 5,994 Advertising 714 2,113 - 2,827 Data processing 2,100 1,627 18 3,745 Communications 217 481 - 698 Professional fees 575 1,468 27 2,070 Real estate owned 14 - - 14 Loan processing expense - 2,604 - 2,604 Other 1,965 3,519 278 5,762 Total noninterest expenses 24,274 62,491 (396 ) 86,369 Income before income tax expense 14,992 2,510 294 17,796 Income tax expense 3,298 949 71 4,318 Net income $ 11,694 $ 1,561 $ 223 $ 13,478 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 (loss) $ 39,677 $ (1,454 ) $ 236 $ 38,459 Provision for credit losses 991 100 - 1,091 Net interest income (loss) 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

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation (Details Textual)	9 Months Ended
	Sep. 30, 2024
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, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Securities, Unrealized Loss Position, Number of Positions	138		138
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	130,000		130,000		183,000
Mortgage-related Securities [Member] | Asset Pledged as Collateral [Member] | Federal Funds Purchased [Member]
Debt Securities, Available-for-Sale, Restricted	$ 119,100,000		$ 119,100,000		$ 128,100,000

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, 2024	Dec. 31, 2023
Securities available for sale, cost	$ 232,076	$ 227,716
Gross unrealized gains	1,683	1,197
Gross unrealized losses	(20,595)	(24,006)
Fair value	213,164	204,907
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, cost	11,581	12,651
Gross unrealized gains	6	5
Gross unrealized losses	(1,259)	(1,475)
Fair value	10,328	11,181
Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]
Securities available for sale, cost	148,811	152,700
Gross unrealized gains	441	212
Gross unrealized losses	(16,571)	(19,445)
Fair value	132,681	133,467
Mortgage-Backed Securities, Issued by Private Enterprises [Member]
Securities available for sale, cost	7,344	8,061
Gross unrealized gains	0	0
Gross unrealized losses	(589)	(801)
Fair value	6,755	7,260
Mortgage-related Securities [Member]
Securities available for sale, cost	167,736	173,412
Gross unrealized gains	447	217
Gross unrealized losses	(18,419)	(21,721)
Fair value	149,764	151,908
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, cost	2,500	2,500
Gross unrealized gains	0	0
Gross unrealized losses	(77)	(152)
Fair value	2,423	2,348
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, cost	49,340	39,304
Gross unrealized gains	1,236	980
Gross unrealized losses	(846)	(796)
Fair value	49,730	39,488
Other Debt Obligations [Member]
Securities available for sale, cost	12,500	12,500
Gross unrealized gains	0	0
Gross unrealized losses	(1,253)	(1,337)
Fair value	11,247	11,163
Debt Securities [Member]
Securities available for sale, cost	64,340	54,304
Debt [Member]
Gross unrealized gains	1,236	980
Gross unrealized losses	(2,176)	(2,285)
Fair value	$ 63,400	$ 52,999

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, 2024	Dec. 31, 2023
Due within one year, amortized cost	$ 7,699
Due within one year, fair value	7,612
Due after one year through five years, amortized cost	6,055
Due after one year through five years, fair value	6,239
Due after five years through ten years, amortized cost	27,828
Due after five years through ten years, fair value	27,055
Due after ten years, amortized cost	22,758
Due after ten years, fair value	22,494
Amortized cost	232,076	$ 227,716
Fair value	213,164	204,907
Mortgage-related Securities [Member]
Without single date securities	167,736
Without single date securities, fair value	149,764
Amortized cost	167,736	173,412
Fair value	$ 149,764	$ 151,908

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, 2024	Dec. 31, 2023
Fair value, less than 12 months	$ 4,823	$ 10,254
Unrealized loss, less than 12 months	12	79
Fair value, 12 months or longer	136,901	146,522
Unrealized loss, 12 months or longer	20,583	23,927
Total fair value	141,724	156,776
Total unrealized loss	20,595	24,006
Collateralized Mortgage-Backed Securities [Member]
Fair value, less than 12 months	0	215
Unrealized loss, less than 12 months	0	1
Fair value, 12 months or longer	9,879	10,682
Unrealized loss, 12 months or longer	1,259	1,474
Total fair value	9,879	10,897
Total unrealized loss	1,259	1,475
Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]
Fair value, less than 12 months	3,326	2,442
Unrealized loss, less than 12 months	9	42
Fair value, 12 months or longer	101,959	110,271
Unrealized loss, 12 months or longer	16,562	19,403
Total fair value	105,285	112,713
Total unrealized loss	16,571	19,445
US Government-sponsored Enterprises Debt Securities [Member]
Fair value, less than 12 months	0	0
Unrealized loss, less than 12 months	0	0
Fair value, 12 months or longer	5,789	6,250
Unrealized loss, 12 months or longer	589	801
Total fair value	5,789	6,250
Total unrealized loss	589	801
Mortgage-Backed Securities, Issued by Private Enterprises [Member]
Fair value, less than 12 months	0	0
Unrealized loss, less than 12 months	0	0
Fair value, 12 months or longer	2,423	2,348
Unrealized loss, 12 months or longer	77	152
Total fair value	2,423	2,348
Total unrealized loss	77	152
US States and Political Subdivisions Debt Securities [Member]
Fair value, less than 12 months	1,497	7,597
Unrealized loss, less than 12 months	3	36
Fair value, 12 months or longer	5,604	5,808
Unrealized loss, 12 months or longer	843	760
Total fair value	7,101	13,405
Total unrealized loss	846	796
Other Debt Obligations [Member]
Fair value, less than 12 months	0	0
Unrealized loss, less than 12 months	0	0
Fair value, 12 months or longer	11,247	11,163
Unrealized loss, 12 months or longer	1,253	1,337
Total fair value	11,247	11,163
Total unrealized loss	$ 1,253	$ 1,337

Note 3 - Loans Receivable (Deta

Note 3 - Loans Receivable (Details Textual)		3 Months Ended			9 Months Ended			12 Months Ended
		Sep. 30, 2024 USD ($)		Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($)		Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)		Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Financing Receivable, before Allowance for Credit Loss		$ 1,695,403,000			$ 1,695,403,000			$ 1,664,215,000
Financing Receivable, Nonaccrual		5,368,000			5,368,000			4,808,000
Financing Receivable, Allowance for Credit Loss		$ 18,198,000	[1]	$ 18,553,000	$ 18,198,000	[1]	$ 18,553,000	$ 18,549,000	[1]	$ 18,414,000	$ 18,374,000	$ 17,757,000
Financing Receivable, Modified, Number of Contracts					1			2
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts		0		0	0		0
Nonperforming Financial Instruments [Member]
Financing Receivable, Modified, Number of Contracts		0		0	0		0	0
Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss		$ 972,000			$ 972,000			$ 1,100,000
One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss		534,001,000			534,001,000			551,190,000
Financing Receivable, Nonaccrual		5,087,000			5,087,000			4,503,000
Financing Receivable, Allowance for Credit Loss		5,326,000		$ 6,138,000	5,326,000		$ 6,138,000	6,886,000		$ 5,838,000	$ 6,529,000	$ 4,743,000
Mortgage Loans in Process of Foreclosure, Amount		604,000			604,000			250,000
Financial Asset, 1 to 59 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss	[2]	5,357,000			5,357,000			5,528,000
Financing Receivable, Nonaccrual		1,100,000			1,100,000			193,000
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	[2]	5,271,000			5,271,000			5,265,000
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss	[3]	1,185,000			1,185,000			1,289,000
Financing Receivable, Nonaccrual		4,000			4,000			11,000
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	[3]	1,185,000			1,185,000			1,283,000
Financial Asset, Not Past Due [Member]
Financing Receivable, before Allowance for Credit Loss	[4]	1,684,781,000			1,684,781,000			1,652,965,000
Financing Receivable, Nonaccrual		150,000			150,000			171,000
Financial Asset, Not Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss	[4]	523,625,000			523,625,000			540,372,000
Federal Home Loan Bank of Chicago [Member]
Federal Home Loan Bank, Advance		423,000,000			423,000,000			464,000,000
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			$ 1,250,000,000
[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 $667,000 and $193,000 at June 30, 2024 and December 31, 2023, respectively, which are on non-accrual status.[3]Includes $- and $11,000 at June 30, 2024 and December 31, 2023, respectively, which are on non-accrual status.[4]Includes $1.0 million and $171,000 at June 30, 2024 and December 31, 2023, 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, 2024	Dec. 31, 2023
Loans receivable	$ 1,695,403	$ 1,664,215
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	534,001	551,190
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	723,238	707,566
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	13,427	13,228
Construction and Land Portfolio Segment [Member]
Loans receivable	75,403	53,371
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	313,953	300,892
Consumer Portfolio Segment [Member]
Loans receivable	897	848
Commercial Portfolio Segment [Member]
Loans receivable	$ 34,484	$ 37,120

Note 3 - Loans Receivable - Loa

Note 3 - Loans Receivable - Loans With Related Party (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Balance at beginning of period	$ 3,319	$ 2,847
New loans	277	458
Repayments	(505)	(137)
Balance at end of period	$ 3,091	$ 3,168

Note 3 - Loans Receivable - Ana

Note 3 - Loans Receivable - Analysis of Past Due Loans (Details) - USD ($) $ in Thousands		Sep. 30, 2024	Dec. 31, 2023
Loans receivable		$ 1,695,403	$ 1,664,215
Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	5,357	5,528
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	1,185	1,289
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		4,080	4,433
Financial Asset, Past Due [Member]
Loans receivable		10,622	11,250
Financial Asset, Not Past Due [Member]
Loans receivable	[3]	1,684,781	1,652,965
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable		534,001	551,190
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	5,271	5,265
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	1,185	1,283
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		3,920	4,270
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Past Due [Member]
Loans receivable		10,376	10,818
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	523,625	540,372
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable		723,238	707,566
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	6
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		0	6
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	723,238	707,560
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable		13,427	13,228
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	86	209
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		31	34
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Past Due [Member]
Loans receivable		117	243
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	13,310	12,985
Construction and Land Portfolio Segment [Member]
Loans receivable		75,403	53,371
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]	75,403	53,371
Commercial Real Estate Portfolio Segment [Member]
Loans receivable		313,953	300,892
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	54
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		129	129
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		129	183
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	313,824	300,709
Consumer Portfolio Segment [Member]
Loans receivable		897	848
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]	897	848
Commercial Portfolio Segment [Member]
Loans receivable		34,484	37,120
Commercial Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
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	0
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	$ 34,484	$ 37,120
[1]Includes $667,000 and $193,000 at June 30, 2024 and December 31, 2023, respectively, which are on non-accrual status.[2]Includes $- and $11,000 at June 30, 2024 and December 31, 2023, respectively, which are on non-accrual status.[3]Includes $1.0 million and $171,000 at June 30, 2024 and December 31, 2023, 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, 2024		Sep. 30, 2023	Sep. 30, 2024		Sep. 30, 2023
Balance at beginning of period	$ 18,414		$ 18,374	$ 18,549	[1]	$ 17,757
Provision (credit) for credit losses - loans	(293)	[1]	206	(439)	[1]	829
Charge-offs	(14)		(37)	(29)		(92)
Recoveries	91		10	117		59
Balance at end of period	18,198	[1]	18,553	18,198	[1]	18,553
Residential Portfolio Segment [Member] | One to Four Family [Member]
Balance at beginning of period	5,838		6,529	6,886		4,743
Provision (credit) for credit losses - loans	(599)	[1]	(364)	(1,661)	[1]	1,412
Charge-offs	0		(34)	(3)		(63)
Recoveries	87		7	104		46
Balance at end of period	5,326		6,138	5,326		6,138
Residential Portfolio Segment [Member] | Multifamily [Member]
Balance at beginning of period	7,276		7,425	7,318		7,975
Provision (credit) for credit losses - loans	(196)	[1]	305	(243)	[1]	(248)
Charge-offs	0		0	0		0
Recoveries	3		2	8		5
Balance at end of period	7,083		7,732	7,083		7,732
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Balance at beginning of period	273		169	211		174
Provision (credit) for credit losses - loans	(74)	[1]	16	(12)	[1]	7
Charge-offs	0		0	0		0
Recoveries	0		0	0		4
Balance at end of period	199		185	199		185
Construction and Land Portfolio Segment [Member]
Balance at beginning of period	1,228		1,060	983		1,352
Provision (credit) for credit losses - loans	28	[1]	105	271	[1]	(189)
Charge-offs	0		0	0		0
Recoveries	0		0	2		2
Balance at end of period	1,256		1,165	1,256		1,165
Commercial Real Estate Portfolio Segment [Member]
Balance at beginning of period	3,227		2,600	2,561		3,199
Provision (credit) for credit losses - loans	540	[1]	142	1,204	[1]	(458)
Charge-offs	0		0	0		0
Recoveries	1		1	3		2
Balance at end of period	3,768		2,743	3,768		2,743
Consumer Portfolio Segment [Member]
Balance at beginning of period	64		53	56		47
Provision (credit) for credit losses - loans	23	[1]	4	43	[1]	36
Charge-offs	(14)		(3)	(26)		(29)
Recoveries	0		0	0		0
Balance at end of period	73		54	73		54
Commercial Portfolio Segment [Member]
Balance at beginning of period	508		538	534		267
Provision (credit) for credit losses - loans	(15)	[1]	(2)	(41)	[1]	269
Charge-offs	0		0	0		0
Recoveries	0		0	0		0
Balance at end of period	$ 493		$ 536	$ 493		$ 536
[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 - Com

Note 3 - Loans Receivable - Components of Provision for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended			9 Months Ended
		Sep. 30, 2024		Sep. 30, 2023	Sep. 30, 2024		Sep. 30, 2023
Provision (credit) for credit losses - loans		$ (293)	[1]	$ 206	$ (439)	[1]	$ 829
Investment securities, provision for credit losses		0		0	0		0
Total, provision for credit losses	[1]	(377)		445	(535)		1,091
Unfunded Loan Commitment [Member]
Provision (credit) for credit losses - loans		$ (84)		$ 239	$ (96)		$ 262
[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 - Col

Note 3 - Loans Receivable - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024		Jun. 30, 2024	Dec. 31, 2023		Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Allowance at end of period	$ 18,198	[1]	$ 18,414	$ 18,549	[1]	$ 18,553	$ 18,374	$ 17,757
Loans receivable	1,695,403			1,664,215
Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	9,440			9,328
Pooled Loans [Member]
Allowance at end of period	18,198			18,549
Loans receivable	1,685,963			1,654,887
Residential Portfolio Segment [Member] | One to Four Family [Member]
Allowance at end of period	5,326		5,838	6,886		6,138	6,529	4,743
Loans receivable	534,001			551,190
Residential Portfolio Segment [Member] | One to Four Family [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	2,270			2,209
Residential Portfolio Segment [Member] | One to Four Family [Member] | Pooled Loans [Member]
Allowance at end of period	5,326			6,886
Loans receivable	531,731			548,981
Residential Portfolio Segment [Member] | Multifamily [Member]
Allowance at end of period	7,083		7,276	7,318		7,732	7,425	7,975
Loans receivable	723,238			707,566
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	7,083			7,318
Loans receivable	723,238			707,566
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance at end of period	199		273	211		185	169	174
Loans receivable	13,427			13,228
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	152			90
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Pooled Loans [Member]
Allowance at end of period	199			211
Loans receivable	13,275			13,138
Construction and Land Portfolio Segment [Member]
Allowance at end of period	1,256		1,228	983		1,165	1,060	1,352
Loans receivable	75,403			53,371
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	1,256			983
Loans receivable	75,403			53,371
Commercial Real Estate Portfolio Segment [Member]
Allowance at end of period	3,768		3,227	2,561		2,743	2,600	3,199
Loans receivable	313,953			300,892
Commercial Real Estate Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	5,333			5,493
Commercial Real Estate Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	3,768			2,561
Loans receivable	308,620			295,399
Consumer Portfolio Segment [Member]
Allowance at end of period	73		64	56		54	53	47
Loans receivable	897			848
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	73			56
Loans receivable	897			848
Commercial Portfolio Segment [Member]
Allowance at end of period	493		$ 508	534		$ 536	$ 538	$ 267
Loans receivable	34,484			37,120
Commercial Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0			0
Loans receivable	1,685			1,536
Commercial Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	493			534
Loans receivable	$ 32,799			$ 35,584
[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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Loans receivable	$ 1,695,403		$ 1,695,403		$ 1,664,215
Originated current year	166,572		166,572		457,414
Originated one years before	445,731		445,731		461,197
Originated two years before	412,871		412,871		255,554
Originated three years before	241,855		241,855		189,398
Originated four years before	178,159		178,159		86,529
Originated five years before	229,726		229,726		189,667
Revolving	20,489		20,489		24,456
Gross charge-offs, current year			3
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			26
Gross charge-offs, revolving			0
Gross charge-offs, total	14	$ 37	29	$ 92
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	534,001		534,001		551,190
Originated current year	34,606		34,606		202,798
Originated one years before	183,916		183,916		167,621
Originated two years before	152,951		152,951		46,378
Originated three years before	42,424		42,424		33,295
Originated four years before	31,127		31,127		19,966
Originated five years before	88,303		88,303		80,205
Revolving	674		674		927
Gross charge-offs, total	0	34	3	63
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	723,238		723,238		707,566
Originated current year	59,929		59,929		122,480
Originated one years before	119,718		119,718		214,080
Originated two years before	203,677		203,677		135,823
Originated three years before	130,071		130,071		117,669
Originated four years before	111,388		111,388		44,878
Originated five years before	97,598		97,598		71,818
Revolving	857		857		818
Gross charge-offs, total	0	0	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	13,427		13,427		13,228
Originated current year	383		383		1,084
Originated one years before	500		500		273
Originated two years before	1,605		1,605		178
Originated three years before	167		167		98
Originated four years before	93		93		87
Originated five years before	229		229		342
Revolving	10,450		10,450		11,166
Gross charge-offs, total	0	0	0	0
Construction and Land Portfolio Segment [Member]
Loans receivable	75,403		75,403		53,371
Originated current year	11,254		11,254		38,079
Originated one years before	51,042		51,042		1,348
Originated two years before	143		143		9,349
Originated three years before	9,196		9,196		2,146
Originated four years before	1,516		1,516		2,255
Originated five years before	2,252		2,252		194
Revolving	0		0		0
Gross charge-offs, total	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	313,953		313,953		300,892
Originated current year	59,565		59,565		75,954
Originated one years before	73,452		73,452		76,196
Originated two years before	53,124		53,124		62,922
Originated three years before	59,344		59,344		33,522
Originated four years before	31,858		31,858		19,250
Originated five years before	36,057		36,057		31,673
Revolving	553		553		1,375
Gross charge-offs, total	0	0	0	0
Consumer Portfolio Segment [Member]
Loans receivable	897		897		848
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	897		897		848
Gross charge-offs, total	14	3	26	29
Commercial Portfolio Segment [Member]
Loans receivable	34,484		34,484		37,120
Originated current year	835		835		17,019
Originated one years before	17,103		17,103		1,679
Originated two years before	1,371		1,371		904
Originated three years before	653		653		2,668
Originated four years before	2,177		2,177		93
Originated five years before	5,287		5,287		5,435
Revolving	7,058		7,058		9,322
Gross charge-offs, total	0	$ 0	0	$ 0
Substandard [Member]
Loans receivable	12,257		12,257		11,621
Substandard [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	5,087		5,087		4,503
Originated current year	402		402		1,450
Originated one years before	957		957		353
Originated two years before	947		947		0
Originated three years before	0		0		0
Originated four years before	0		0		0
Originated five years before	2,781		2,781		2,700
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	152		152		90
Originated current year	0		0		0
Originated one years before	0		0		18
Originated two years before	16		16		17
Originated three years before	14		14		0
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	122		122		55
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	5,333		5,333		5,492
Originated current year	0		0		5,277
Originated one years before	5,204		5,204		129
Originated two years before	129		129		0
Originated three years before	0		0		86
Originated four years before	0		0		0
Originated five years before	0		0		0
Revolving	0		0		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
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans receivable	1,685		1,685		1,536
Originated current year	0		0		0
Originated one years before	0		0		48
Originated two years before	35		35		0
Originated three years before	0		0		0
Originated four years before	0		0		13
Originated five years before	0		0		0
Revolving	1,650		1,650		1,475
Pass [Member]
Loans receivable	1,667,525		1,667,525		1,644,626
Pass [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	521,825		521,825		539,102
Originated current year	29,560		29,560		196,255
Originated one years before	182,378		182,378		166,555
Originated two years before	150,924		150,924		46,378
Originated three years before	42,424		42,424		33,295
Originated four years before	31,054		31,054		19,966
Originated five years before	84,811		84,811		75,726
Revolving	674		674		927
Pass [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	723,053		723,053		707,183
Originated current year	59,929		59,929		122,289
Originated one years before	119,533		119,533		214,074
Originated two years before	203,677		203,677		135,823
Originated three years before	130,071		130,071		117,669
Originated four years before	111,388		111,388		44,878
Originated five years before	97,598		97,598		71,632
Revolving	857		857		818
Pass [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	12,605		12,605		13,138
Originated current year	383		383		1,084
Originated one years before	500		500		255
Originated two years before	919		919		161
Originated three years before	153		153		98
Originated four years before	93		93		87
Originated five years before	229		229		342
Revolving	10,328		10,328		11,111
Pass [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	75,260		75,260		53,371
Originated current year	11,254		11,254		38,079
Originated one years before	51,042		51,042		1,348
Originated two years before	0		0		9,349
Originated three years before	9,196		9,196		2,146
Originated four years before	1,516		1,516		2,255
Originated five years before	2,252		2,252		194
Revolving	0		0		0
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	301,161		301,161		295,400
Originated current year	52,648		52,648		70,677
Originated one years before	68,248		68,248		76,067
Originated two years before	52,585		52,585		62,922
Originated three years before	59,344		59,344		33,436
Originated four years before	31,726		31,726		19,250
Originated five years before	36,057		36,057		31,673
Revolving	553		553		1,375
Pass [Member] | Consumer Portfolio Segment [Member]
Loans receivable	897		897		848
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	897		897		848
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	32,724		32,724		35,584
Originated current year	835		835		17,019
Originated one years before	17,103		17,103		1,631
Originated two years before	1,336		1,336		904
Originated three years before	653		653		2,668
Originated four years before	2,177		2,177		80
Originated five years before	5,287		5,287		5,435
Revolving	5,333		5,333		7,847
Watch [Member]
Loans receivable	15,621		15,621		7,968
Watch [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	7,089		7,089		7,585
Originated current year	4,644		4,644		5,093
Originated one years before	581		581		713
Originated two years before	1,080		1,080		0
Originated three years before	0		0		0
Originated four years before	73		73		0
Originated five years before	711		711		1,779
Revolving	0		0		0
Watch [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	185		185		383
Originated current year	0		0		191
Originated one years before	185		185		6
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		186
Revolving	0		0		0
Watch [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	670		670		0
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	670		670		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
Watch [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	143		143		0
Originated current year	0		0		0
Originated one years before	0		0		0
Originated two years before	143		143		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
Watch [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	7,459		7,459		0
Originated current year	6,917		6,917		0
Originated one years before	0		0		0
Originated two years before	410		410		0
Originated three years before	0		0		0
Originated four years before	132		132		0
Originated five years before	0		0		0
Revolving	0		0		0
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
Watch [Member] | Commercial Portfolio Segment [Member]
Loans receivable	75		75		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	$ 75		$ 75		$ 0

Note 3 - Loans Receivable - Tro

Note 3 - Loans Receivable - Trouble Debt Restructurings (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023	Sep. 30, 2024 USD ($)	Sep. 30, 2023	Dec. 31, 2023 USD ($)
Amount	$ 523		$ 523		$ 543
Number			1		2
Number			1		2
Principal Forgiveness [Member]
Amount	523		$ 523		$ 528
Number			1		1
Contractual Interest Rate Reduction [Member]
Amount					$ 15
Number					1
Accruing [Member]
Amount	0		$ 0		$ 0
Number			0		0
Performing Financial Instruments [Member]
Amount	523		$ 523		$ 543
Number			1		2
Performing Financial Instruments [Member] | Principal Forgiveness [Member]
Amount	523		$ 523		$ 528
Number			1		1
Performing Financial Instruments [Member] | Contractual Interest Rate Reduction [Member]
Amount					$ 15
Number					1
Non Accruing [Member]
Amount	523		$ 523		$ 543
Number			1		2
Nonperforming Financial Instruments [Member]
Amount	$ 0		$ 0		$ 0
Number	0	0	0	0	0
Nonperforming Financial Instruments [Member] | Principal Forgiveness [Member]
Amount	$ 0		$ 0		$ 0
Number			0		0
Nonperforming Financial Instruments [Member] | Contractual Interest Rate Reduction [Member]
Amount					$ 0
Number					0
Residential Portfolio Segment [Member] | One to Four Family [Member]
Amount	523		$ 523		$ 543
Number			1		2
Residential Portfolio Segment [Member] | One to Four Family [Member] | Accruing [Member]
Amount	0		$ 0		$ 0
Number			0		0
Residential Portfolio Segment [Member] | One to Four Family [Member] | Non Accruing [Member]
Amount	$ 523		$ 523		$ 543
Number			1		2

Note 3 - Loans Receivable - Non

Note 3 - Loans Receivable - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Non-accrual loans	$ 5,368	$ 4,808
Total non-accrual loans to total loans receivable	0.32%	0.29%
Total non-accrual loans to total assets	0.24%	0.22%
Residential Portfolio Segment [Member] | One to Four Family [Member]
Non-accrual loans	$ 5,087	$ 4,503
Residential Portfolio Segment [Member] | Multifamily [Member]
Non-accrual loans	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Non-accrual loans	152	90
Construction and Land Portfolio Segment [Member]
Non-accrual loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Non-accrual loans	129	215
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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Fees and Commissions, Mortgage Banking and Servicing	$ 21,294,000	$ 21,172,000	$ 66,200,000	$ 59,856,000
Unpaid Principal Balance of Loans Serviced for Others	67,000,000		67,000,000		$ 238,700,000
Servicing Asset at Amortized Cost, Fair Value	499,000		499,000		$ 2,200,000
Proceeds from Sale of Mortgage Servicing Rights (MSR)	0	0	2,110,000	3,530,000
Mortgage Servicing Rights, Underlying Financing Receivable	233,000,000	318,400,000	233,000,000	318,400,000
Mortgage Servicing Rights, Underlying Financing Receivable, Book Value	$ 2,000,000	$ 2,900,000	2,000,000	2,900,000
Gain (Loss) on Sales of Mortgage-Backed Securities (MBS)			152,000	583,000
Residential Portfolio Segment [Member] | One to Four Family [Member]
Financial Receivable Originated for Sale			1,660,000,000	1,580,000,000
Fees and Commissions, Mortgage Banking and Servicing			$ 66,200,000	$ 59,900,000

Note 4 - Mortgage Servicing R_4

Note 4 - Mortgage Servicing Rights - Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Mortgage servicing rights at beginning of the period	$ 1,811	$ 3,445
Additions	640	1,515
Amortization	(215)	(208)
Sales	(1,958)	(2,767)
Mortgage servicing rights at end of the period	278	1,985
Valuation allowance recovered during the period	213	0
Mortgage servicing rights at end of the period, net	$ 491	$ 1,985

Note 4 - Mortgage Servicing R_5

Note 4 - Mortgage Servicing Rights - Future Amortization Expenses (Details) $ in Thousands	Sep. 30, 2024 USD ($)
2024	$ 21
2025	89
2026	80
2027	71
2028	62
Thereafter	168
Total	$ 491

Note 5 - Deposits (Details Text

Note 5 - Deposits (Details Textual) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Deposit Liability, Uninsured	$ 160.5	$ 131.4
Related Party Deposit Liabilities	$ 13.4	$ 9

Note 5 - Deposits - Maturities

Note 5 - Deposits - Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Within one year	$ 745,317
More than one to two years	56,655
More than two to three years	1,447
More than three to four years	399
More than four through five years	386
Time Deposits	$ 804,204	$ 730,284

Note 6 - Borrowings (Details Te

Note 6 - Borrowings (Details Textual) - USD ($)	9 Months Ended
	Sep. 30, 2024	Mar. 11, 2024	Dec. 31, 2023
Short-Term Debt	$ 137,127,000		$ 147,054,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 21,700,000		20,900,000
Residential Portfolio Segment [Member] | One to Four Family [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	76%
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	$ 263,000,000		309,000,000
Bank Term Funding Program [Member]
Line of Credit Facility, Remaining Borrowing Capacity		$ 0
Short-Term Advance [Member] | Federal Home Loan Bank of Chicago [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	362,500,000
Repurchase Agreements [Member]
Line of Credit Facility, Maximum Borrowing Capacity	50,000,000
Short-Term Debt	$ 827,000		$ 2,054,000

Note 6 - Borrowings - Borrowing

Note 6 - Borrowings - Borrowing (Details) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Borrowings	$ 560,127,000	$ 611,054,000
Short term balance	$ 137,127,000	$ 147,054,000
Short term balance, weighted average rate	4.78%	4.88%
Federal Reserve Bank Advances [Member]
Short term balance	$ 136,300,000
Short term balance, weighted average rate	4.76%
Repurchase Agreements [Member]
Short term balance	$ 827,000	$ 2,054,000
Total FHLB advances, percent	7.85%	8.20%
Short-Term Advance [Member]
Short term balance		$ 145,000,000
Short term balance, weighted average rate		4.83%
Federal Reserve Borrowings Maturing January 16, 2025 [Member] | Federal Reserve Bank Advances [Member]
Short term balance	$ 136,300,000
Short term balance, weighted average rate	4.76%
Total Borrowing [Member]
Borrowings	$ 560,127,000	$ 611,054,000
Total FHLB advances, percent	4.33%	4.62%
Federal Reserve Borrowings Maturing December 31, 2024 [Member] | Short-Term Advance [Member]
Short term balance		$ 145,000,000
Short term balance, weighted average rate		4.83%
Federal Home Loan Bank of Chicago [Member]
Borrowings	$ 423,000,000	$ 464,000,000
Long-term debt, weighted average rate	2.82%	2.89%
Short term balance	$ 263,000,000	$ 309,000,000
Short term balance, weighted average rate	5.02%	5.37%
Total FHLB advances, percent	4.19%	4.54%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2027 [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.61%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2027 Two [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.36%
Federal Home Loan Bank of Chicago [Member] | Advance, December 2027 Maturity [Member]
Borrowings	$ 50,000,000	$ 50,000,000
Long-term debt, weighted average rate	1.73%	1.73%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.54%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 One [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.55%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 Two [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.48%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 Three [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.43%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 Four [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.47%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 Five [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.40%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 Six [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	3.35%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 Seven [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	2.89%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2034 [Member]
Borrowings	$ 10,000,000
Long-term debt, weighted average rate	2.32%
Federal Home Loan Bank of Chicago [Member] | Long-Term Borrowings [Member]
Borrowings	$ 160,000,000	$ 155,000,000
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 1, 2024 Member]
Short term balance	$ 40,000,000
Short term balance, weighted average rate	4.92%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 3, 2024 One Member]
Short term balance	$ 15,000,000
Short term balance, weighted average rate	5.30%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 3, 2024 Two Member]
Short term balance	$ 12,900,000
Short term balance, weighted average rate	5.30%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 3, 2024 Three Member]
Short term balance	$ 4,400,000
Short term balance, weighted average rate	5.30%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 7, 2024 Member]
Short term balance	$ 29,000,000
Short term balance, weighted average rate	5.25%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 15, 2024 One Member]
Short term balance	$ 22,000,000
Short term balance, weighted average rate	5.13%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 15, 2024 Two Member]
Short term balance	$ 14,500,000
Short term balance, weighted average rate	5.13%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 15, 2024 Three Member]
Short term balance	$ 4,400,000
Short term balance, weighted average rate	5.13%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 15, 2024 Four Member]
Short term balance	$ 23,700,000
Short term balance, weighted average rate	5.13%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 15, 2024 Five Member]
Short term balance	$ 10,800,000
Short term balance, weighted average rate	5.12%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 21, 2024 One Member]
Short term balance	$ 14,800,000
Short term balance, weighted average rate	4.84%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 21, 2024 Two Member]
Short term balance	$ 2,700,000
Short term balance, weighted average rate	4.84%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 21, 2024 Three Member]
Short term balance	$ 11,400,000
Short term balance, weighted average rate	4.84%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 28, 2024 One Member]
Short term balance	$ 6,800,000
Short term balance, weighted average rate	4.83%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing October 28, 2024 Two Member]
Short term balance	$ 7,100,000
Short term balance, weighted average rate	4.83%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing December 27, 2024 [Member]
Short term balance	$ 23,500,000
Short term balance, weighted average rate	4.79%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 29, 2025 [Member]
Short term balance	$ 20,000,000
Short term balance, weighted average rate	4.74%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028 [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.51%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, One [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.52%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Two [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.49%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Three [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.49%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Four [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.46%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Five [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.47%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Six [Member]
Borrowings		$ 15,000,000
Long-term debt, weighted average rate		3.39%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Seven [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.38%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Eight [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.43%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028, Nine [Member]
Borrowings		$ 10,000,000
Long-term debt, weighted average rate		3.31%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 2, 2024 One [Member]
Short term balance		$ 60,000,000
Short term balance, weighted average rate		5.44%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 2, 2024 Two [Member]
Short term balance		$ 20,000,000
Short term balance, weighted average rate		5.45%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 5 ,2024 [Member]
Short term balance		$ 20,000,000
Short term balance, weighted average rate		5.48%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 8, 2024 One [Member]
Short term balance		$ 20,500,000
Short term balance, weighted average rate		5.38%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 8, 2024 Two [Member]
Short term balance		$ 18,000,000
Short term balance, weighted average rate		5.38%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 16, 2024 [Member]
Short term balance		$ 14,000,000
Short term balance, weighted average rate		5.49%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 22, 2024 [Member]
Short term balance		$ 21,000,000
Short term balance, weighted average rate		5.36%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing January 29, 2024 [Member]
Short term balance		$ 33,000,000
Short term balance, weighted average rate		5.36%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing February 20, 2024 [Member]
Short term balance		$ 27,500,000
Short term balance, weighted average rate		5.41%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing February 27, 2024 [Member]
Short term balance		$ 27,000,000
Short term balance, weighted average rate		5.42%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing March 13, 2024 [Member]
Short term balance		$ 24,500,000
Short term balance, weighted average rate		5.39%
Federal Home Loan Bank of Chicago [Member] | Short-Term Debt Maturing December 29, 2024 [Member]
Short term balance		$ 23,500,000
Short term balance, weighted average rate		4.79%

Note 7 - Regulatory Capital - A

Note 7 - Regulatory Capital - Actual and Required Capital Amount and Ratio (Details) $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Consolidated Waterstone Financial Inc [Member]
Total capital (to risk-weighted assets)	$ 374,807	$ 380,351
Total capital (to risk-weighted assets) Ratio	0.2074	0.215
Total capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 144,580	$ 141,538
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	$ 189,760	$ 185,769
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	10.50%	10.50%
Tier I capital (to risk-weighted assets)	$ 355,637	$ 360,734
Tier I capital (to risk-weighted assets) Ratio	0.1968	0.2039
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 108,440	$ 106,154
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	$ 153,620	$ 150,385
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)	$ 355,637	$ 360,734
Common Equity Tier 1 capital (to risk-weighted assets) Ratio	0.1968	0.2039
Common Equity Tier I capital (to risk weighted assets), For Capital Adequacy Purposes	$ 81,330	$ 79,615
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	$ 126,510	$ 123,846
Common Equity Tier I capital (to risk weighted), Minimum Capital Adequacy with Capital Buffer Ratio	7%	7%
Tier I capital (to average assets)	$ 355,637	$ 360,734
Tier I capital (to average assets) Ratio	0.1562	0.1677
Tier I capital (to average assets), For Capital Adequacy Purposes	$ 91,070	$ 86,043
Tier I capital (to average assets), For Capital Adequacy Ratio	0.04	0.04
Subsidiaries [Member]
Total capital (to risk-weighted assets)	$ 359,791	$ 355,476
Total capital (to risk-weighted assets) Ratio	0.1991	0.201
Total capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 144,570	$ 141,515
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	$ 189,740	$ 185,738
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	$ 180,709	$ 176,893
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)	$ 340,621	$ 335,859
Tier I capital (to risk-weighted assets) Ratio	0.1885	0.1899
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 108,420	$ 106,117
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	$ 153,600	$ 150,332
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	$ 144,561	$ 141,489
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)	$ 340,621	$ 335,859
Common Equity Tier 1 capital (to risk-weighted assets) Ratio	0.1885	0.1899
Common Equity Tier I capital (to risk weighted assets), For Capital Adequacy Purposes	$ 81,320	$ 79,587
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	$ 126,490	$ 123,803
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	$ 117,456	$ 114,960
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)	$ 340,621	$ 335,859
Tier I capital (to average assets) Ratio	0.1496	0.1562
Tier I capital (to average assets), For Capital Adequacy Purposes	$ 91,080	$ 86,007
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.	$ 113,844	$ 107,509
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)	$ 340,621	$ 335,859
State of Wisconsin (to total assets) Ratio	15.20%	15.20%
State of Wisconsin (to total assets), For Capital Adequacy Purposes	$ 134,460	$ 132,576
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	Sep. 30, 2024	Dec. 31, 2023
Loss Contingency, Estimate of Possible Loss	$ 0	$ 0
Estimated Litigation Liability	$ 1,900	$ 2,100

Note 8 - Commitments, Off-bal_4

Note 8 - Commitments, Off-balance Sheet Arrangements, and Contingent Liabilities - Financial Instruments (Details) - USD ($) $ in Thousands		Sep. 30, 2024	Dec. 31, 2023
Commitments To Extend Credit Under Amortizing Loans [Member]
Off-balance sheet risks liability amount	[1]	$ 28,119	$ 9,789
Commitments To Extend Credit Under Home Equity Lines Of Credit [Member]
Off-balance sheet risks liability amount	[2]	11,663	11,722
Unused Portion of Construction Loans [Member]
Off-balance sheet risks liability amount	[3]	55,149	76,660
Unused lines of Credit [Member]
Off-balance sheet risks liability amount		12,702	15,378
Standby Letters of Credit [Member]
Off-balance sheet risks liability amount		$ 604	$ 514
[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) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Interest Rate Swap [Member]
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset	$ 0	$ 0

Note 9 - Derivative Financial_4

Note 9 - Derivative Financial Instruments - Interest Rate Swaps (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Prepaid expenses and other assets	$ 45,837	$ 52,414
Liabilities:
Other liabilities	$ 50,519	$ 61,048
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid expenses and other assets	Prepaid expenses and other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Forward Contracts [Member] | Not Designated as Hedging Instrument [Member]
Derivatives notional amount	$ 318,600	$ 268,800
Derivatives Assets, fair value	500	0
Derivatives liabilities, fair value	0	400
Interest Rate Lock Commitments [Member] | Not Designated as Hedging Instrument [Member]
Derivatives notional amount	184,800	170,900
Derivatives Assets, fair value	400	300
Derivatives liabilities, fair value	0	0
Interest Rate Swaption [Member] | Not Designated as Hedging Instrument [Member]
Derivatives notional amount	124,900	88,200
Derivatives Assets, fair value	9,400	12,000
Derivatives liabilities, fair value	$ 9,400	$ 12,000

Note 10 - Earnings Per Share (D

Note 10 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	183,000	199,000	206,000	162,000

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Net income	$ 4,728	$ 3,253	$ 13,478	$ 9,415
Weighted average shares outstanding (in shares)	18,350	19,998	18,631	20,420
Effect of dilutive potential common shares (in shares)	95	24	46	53
Diluted weighted average shares outstanding (in shares)	18,445	20,022	18,677	20,473
Basic earnings per share (in dollars per share)	$ 0.26	$ 0.16	$ 0.72	$ 0.46
Diluted earnings per share (in dollars per share)	$ 0.26	$ 0.16	$ 0.72	$ 0.46

Note 11 - Fair Value Measurem_3

Note 11 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
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, 2024	Dec. 31, 2023
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	$ 213,164	$ 204,907
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	10,328	11,181
Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	132,681	133,467
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	2,423	2,348
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	49,730	39,488
Other Debt Obligations [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	11,247	11,163
Fair Value, Recurring [Member]
Loans held for sale	155,846	164,993
Fair Value, Recurring [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	958	334
Derivatives liabilities, fair value	46	364
Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	9,446	12,044
Derivatives liabilities, fair value	9,446	12,044
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	155,846	164,993
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	9,446	12,044
Derivatives liabilities, fair value	9,446	12,044
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	958	334
Derivatives liabilities, fair value	46	364
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: 2024—$232,076; 2023—$227,716)	10,328	11,181
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	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: 2024—$232,076; 2023—$227,716)	10,328	11,181
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	132,681	133,467
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	132,681	133,467
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | Private Equity Funds [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	6,755	7,260
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	6,755	7,260
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	2,423	2,348
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: 2024—$232,076; 2023—$227,716)	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: 2024—$232,076; 2023—$227,716)	2,423	2,348
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: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	49,730	39,488
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: 2024—$232,076; 2023—$227,716)	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: 2024—$232,076; 2023—$227,716)	49,730	39,488
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: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	11,247	11,163
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	11,247	11,163
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value (cost: 2024—$232,076; 2023—$227,716)	$ 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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Mortgage derivative, net balance at the beginning of the period	$ 1,164	$ 2,504	$ (30)	$ (994)
Mortgage derivative (loss) gain, net	(252)	372	942	3,870
Mortgage derivative, net balance at the end of the period	$ 912	$ 2,876	$ 912	$ 2,876

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, 2024	Dec. 31, 2023
Real estate owned	$ 145	$ 254
Impaired mortgage servicing rights	432	1,063
Fair Value, Inputs, Level 1 [Member]
Real estate owned	0	0
Impaired mortgage servicing rights	0	0
Fair Value, Inputs, Level 2 [Member]
Real estate owned	0	0
Impaired mortgage servicing rights	0	0
Fair Value, Inputs, Level 3 [Member]
Real estate owned	145	254
Impaired mortgage servicing rights	$ 432	$ 1,063

Note 11 - Fair Value Measurem_7

Note 11 - Fair Value Measurements - Fair Value of Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Details)	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Valuation Technique, Pricing Model [Member]
Impaired mortgage servicing rights	$ 432,000	$ 1,063
Valuation Technique, Pricing Model [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Mortgage servicing rights, measurement input	0.105	0.10
Valuation Technique, Pricing Model [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Mortgage servicing rights, measurement input	0.149	0.155
Valuation Technique, Pricing Model [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Mortgage servicing rights, measurement input	0.108	0.112
Valuation Technique, Pricing Model [Member] | Measurement Input, Prepayment Rate [Member] | Minimum [Member]
Mortgage servicing rights, measurement input	0.065	0.067
Valuation Technique, Pricing Model [Member] | Measurement Input, Prepayment Rate [Member] | Maximum [Member]
Mortgage servicing rights, measurement input	0.307	0.239
Valuation Technique, Pricing Model [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Mortgage servicing rights, measurement input	0.213	0.146
Valuation Technique, Pricing Model [Member] | Measurement Input, Cost to Service [Member] | Minimum [Member]
Mortgage servicing rights, measurement input	83	77
Valuation Technique, Pricing Model [Member] | Measurement Input, Cost to Service [Member] | Maximum [Member]
Mortgage servicing rights, measurement input	183	471
Valuation Technique, Pricing Model [Member] | Measurement Input, Cost to Service [Member] | Weighted Average [Member]
Mortgage servicing rights, measurement input	86	107
Valuation, Market Approach [Member]
Real estate owned	$ 145,000	$ 254,000
Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Real estate owned measurement input	0.348	0.233
Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Real estate owned measurement input	0.348	0.731
Valuation, Market Approach [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Real estate owned measurement input	0.348	0.393
Mortgage Derivative [Member] | Valuation Technique, Pricing Model [Member]
Mortgage banking derivatives, fair value	$ 912,000
Mortgage banking derivatives, fair value		$ (30,000)
Mortgage Derivative [Member] | Valuation Technique, Pricing Model [Member] | Pull Through Rate [Member] | Minimum [Member]
Mortgage banking derivatives, measurement input	0.017
Mortgage banking derivatives, measurement input		0.205
Mortgage Derivative [Member] | Valuation Technique, Pricing Model [Member] | Pull Through Rate [Member] | Maximum [Member]
Mortgage banking derivatives, measurement input	0.996
Mortgage banking derivatives, measurement input		0.999
Mortgage Derivative [Member] | Valuation Technique, Pricing Model [Member] | Pull Through Rate [Member] | Weighted Average [Member]
Mortgage banking derivatives, measurement input	0.765
Mortgage banking derivatives, measurement input		0.698

Note 11 - Fair Value Measurem_8

Note 11 - Fair Value Measurements - Carrying Amount and Fair Values of Financial Instruments (Details) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Servicing Asset at Amortized Cost, Fair Value	$ 499,000	$ 2,200,000
Advance payments by borrowers for taxes	27,847,000	6,607,000
Reported Value Measurement [Member]
Cash and cash equivalents	41,407,000	36,421,000
Loans receivable	1,695,403,000	1,664,215,000
FHLB stock	21,681,000	20,880,000
Accrued interest receivable	7,764,000	7,421,000
Servicing Asset at Amortized Cost, Fair Value	491,000	1,811,000
Deposits	1,263,841,000	1,190,624,000
Advance payments by borrowers for taxes	27,847,000	6,607,000
Borrowings	560,127,000	611,054,000
Accrued interest payable	7,322,000	2,613,000
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	41,407,000	36,421,000
Loans receivable	1,606,055,000	1,558,472,000
FHLB stock	21,681,000	20,880,000
Accrued interest receivable	7,764,000	7,421,000
Servicing Asset at Amortized Cost, Fair Value	499,000	2,207,000
Deposits	1,263,603,000	1,189,274,000
Advance payments by borrowers for taxes	27,847,000	6,607,000
Borrowings	552,379,000	602,948,000
Accrued interest payable	7,322,000	2,613,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	41,407,000	36,421,000
Loans receivable	0	0
FHLB stock	21,681,000	20,880,000
Accrued interest receivable	7,764,000	7,421,000
Servicing Asset at Amortized Cost, Fair Value	0	0
Deposits	459,637,000	460,340,000
Advance payments by borrowers for taxes	27,847,000	6,607,000
Borrowings	0	0
Accrued interest payable	7,322,000	2,613,000
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	803,966,000	728,934,000
Advance payments by borrowers for taxes	0	0
Borrowings	552,379,000	602,948,000
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	1,606,055,000	1,558,472,000
FHLB stock	0	0
Accrued interest receivable	0	0
Servicing Asset at Amortized Cost, Fair Value	499,000	2,207,000
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, 2024
Number of Operating Segments	2
Number of States Mortgage Banking Products and Services are Provided	26
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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Net interest income (expense)		$ 11,517	$ 11,989	$ 33,333	$ 38,459
Provision (credit) for credit losses	[1]	(377)	445	(535)	1,091
Net interest income after provision (credit) for credit losses	[1]	11,894	11,544	33,868	37,368
Noninterest income:		22,552	22,230	70,297	64,309
Compensation, payroll taxes, and other employee benefits		21,017	21,588	62,655	64,035
Occupancy, office furniture, and equipment		1,857	1,993	5,994	6,302
Advertising		926	916	2,827	2,749
Data processing		1,297	1,229	3,745	3,441
Communications		232	243	698	719
Professional fees		569	745	2,070	1,779
Real estate owned		0	1	14	3
Loan processing expense		697	722	2,604	2,672
Other		1,965	2,584	5,762	8,350
Total noninterest expenses		28,560	30,021	86,369	90,050
Income before income tax expense		5,886	3,753	17,796	11,627
Income tax expense		1,158	500	4,318	2,212
Net income		4,728	3,253	13,478	9,415
Total Assets		2,244,336	2,221,358	2,244,336	2,221,358	$ 2,213,389
Community Banking [Member]
Net interest income (expense)		12,250	12,431	35,082	39,677
Provision (credit) for credit losses		(302)	445	(476)	991
Net interest income after provision (credit) for credit losses		12,552	11,986	35,558	38,686
Noninterest income:		1,227	966	3,708	3,493
Compensation, payroll taxes, and other employee benefits		5,326	4,618	15,802	14,469
Occupancy, office furniture, and equipment		904	852	2,887	2,756
Advertising		311	200	714	614
Data processing		720	672	2,100	1,875
Communications		80	70	217	220
Professional fees		190	176	575	540
Real estate owned		0	1	14	3
Loan processing expense		0	0	0	0
Other		602	703	1,965	3,240
Total noninterest expenses		8,133	7,292	24,274	23,717
Income before income tax expense		5,646	5,660	14,992	18,462
Income tax expense		941	1,121	3,298	3,903
Net income		4,705	4,539	11,694	14,559
Total Assets		2,472,126	2,181,155	2,472,126	2,181,155
Mortgage Banking Segment [Member]
Net interest income (expense)		(760)	(550)	(1,853)	(1,454)
Provision (credit) for credit losses		(75)	0	(59)	100
Net interest income after provision (credit) for credit losses		(685)	(550)	(1,794)	(1,554)
Noninterest income:		21,386	21,452	66,795	62,444
Compensation, payroll taxes, and other employee benefits		15,930	17,186	47,572	50,214
Occupancy, office furniture, and equipment		953	1,141	3,107	3,546
Advertising		615	716	2,113	2,135
Data processing		570	551	1,627	1,547
Communications		152	173	481	499
Professional fees		379	564	1,468	1,218
Real estate owned		0	0	0	0
Loan processing expense		697	722	2,604	2,672
Other		1,261	1,935	3,519	6,252
Total noninterest expenses		20,557	22,988	62,491	68,083
Income before income tax expense		144	(2,086)	2,510	(7,193)
Income tax expense		194	(657)	949	(1,785)
Net income		(50)	(1,429)	1,561	(5,408)
Total Assets		193,726	202,785	193,726	202,785
Holding Community and Other [Member]
Net interest income (expense)		27	108	104	236
Provision (credit) for credit losses		0	0	0	0
Net interest income after provision (credit) for credit losses		27	108	104	236
Noninterest income:		(61)	(188)	(206)	(1,628)
Compensation, payroll taxes, and other employee benefits		(239)	(216)	(719)	(648)
Occupancy, office furniture, and equipment		0	0	0	0
Advertising		0	0	0	0
Data processing		7	6	18	19
Communications		0	0	0	0
Professional fees		0	5	27	21
Real estate owned		0	0	0	0
Loan processing expense		0	0	0	0
Other		102	(54)	278	(1,142)
Total noninterest expenses		(130)	(259)	(396)	(1,750)
Income before income tax expense		96	179	294	358
Income tax expense		23	36	71	94
Net income		73	143	223	264
Total Assets		$ (421,516)	$ (162,582)	$ (421,516)	$ (162,582)
[1]The Company adopted ASU 2016-13 as of January 1, 2022. The prior year amounts presented are calculated under the prior accounting standard.