Prime Meridian Holding (PMHG) 10-K 21 Mar 24 2023 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2023	Mar. 12, 2024	Jun. 30, 2023
Document Information [Line Items]
Entity Central Index Key	0001586454
Entity Registrant Name	Prime Meridian Holding Co
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2023
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Document Transition Report	false
Entity File Number	333-191801
Entity Incorporation, State or Country Code	FL
Entity Tax Identification Number	27-2980805
Entity Address, Address Line One	1471 Timberlane Road
Entity Address, City or Town	Tallahassee
Entity Address, State or Province	FL
Entity Address, Postal Zip Code	32312
City Area Code	850
Local Phone Number	907-2300
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	Yes
Entity Current Reporting Status	No
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	false
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 51,513,978
Entity Common Stock, Shares Outstanding		3,284,045
Auditor Firm ID	400
Auditor Name	Hacker, Johnson & Smith PA
Auditor Location	Tampa, Florida

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 9,003,000	$ 8,119,000
Federal funds sold	14,856,000	19,259,000
Interest-bearing deposits	4,557,000	12,410,000
Total cash and cash equivalents	28,416,000	39,788,000
Debt securities available for sale	124,475,000	129,436,000
Debt securities held to maturity (fair value of $10,358 and $9,917)	11,850,000	11,805,000
Loans held for sale	5,288,000	7,058,000
Loans, net of allowance for credit losses of $5,609 and $7,145	646,127,000	588,715,000
Federal Home Loan Bank stock	1,283,000	463,000
Premises and equipment, net	7,476,000	8,022,000
Right of use lease asset	2,823,000	3,044,000
Deferred tax asset	3,529,000	4,533,000
Accrued interest receivable	3,114,000	2,385,000
Bank-owned life insurance	16,921,000	16,532,000
Other assets	3,226,000	3,391,000
Total assets	854,528,000	815,172,000
Liabilities:
Noninterest-bearing demand deposits	189,426,000	197,987,000
Savings, NOW and money-market deposits	476,826,000	493,439,000
Time deposits	82,436,000	40,109,000
Total deposits	748,688,000	731,535,000
Other borrowings	0	4,275,000
Federal Home Loan Bank advances	15,000,000	0
Official checks	2,377,000	4,090,000
Operating lease liability	3,013,000	3,208,000
Other liabilities	5,474,000	5,011,000
Total liabilities	774,552,000	748,119,000
Commitments and contingencies (notes 4, 8, and 15)
Stockholders' equity:
Preferred stock, undesignated; 1,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $.01 par value; 9,000,000 shares authorized, 3,259,881 and 3,164,491 issued and outstanding	33,000	32,000
Additional paid-in capital	40,522,000	39,718,000
Retained earnings	47,234,000	37,278,000
Accumulated other comprehensive loss	(7,813,000)	(9,975,000)
Total stockholders' equity	79,976,000	67,053,000
Total liabilities and stockholders' equity	$ 854,528,000	$ 815,172,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt securities held to maturity, fair value	$ 10,358	$ 9,917
Financing Receivable, Allowance for Credit Loss	$ 5,609	$ 7,145
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	9,000,000	9,000,000
Common stock, shares issued (in shares)	3,259,881	3,164,491
Common stock, shares outstanding (in shares)	3,259,881	3,164,491

Consolidated Statements of Earn

Consolidated Statements of Earnings - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans	$ 35,291	$ 26,221
Debt securities	3,698	2,938
Other	937	1,581
Total interest income	39,926	30,740
Interest expense:
Deposits	9,492	2,579
FHLB advances and other borrowings	1,086	200
Total interest expense	10,578	2,779
Net interest income	29,348	27,961
Credit loss expense	1,450	890
Net interest income after credit loss expense	27,898	27,071
Noninterest income:
Mortgage banking revenue, net	352	473
Income from bank-owned life insurance	389	379
Other income	224	240
Total noninterest income	1,895	1,934
Noninterest expense:
Salaries and employee benefits	11,172	9,627
Occupancy and equipment	1,647	1,621
Professional fees	559	514
Advertising	903	793
FDIC assessment	360	360
Software maintenance, amortization and other	1,214	1,162
Other	2,490	2,191
Total noninterest expense	18,345	16,268
Earnings before income taxes	11,448	12,737
Income taxes	2,740	3,056
Net earnings	$ 8,708	$ 9,681
Earnings per common share:
Basic (in dollars per share)	$ 2.71	$ 3.07
Diluted (in dollars per share)	$ 2.68	$ 3.03
Deposit Account [Member]
Noninterest income:
Revenue from customer	$ 357	$ 302
Debit Card [Member]
Noninterest income:
Revenue from customer	$ 573	$ 540

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Net earnings	$ 8,708	$ 9,681
Unrealized gain (loss) arising during the year	2,896	(13,264)
Deferred income tax (expense) benefit	(734)	3,362
Total other comprehensive income (loss)	2,162	(9,902)
Comprehensive income (loss)	$ 10,870	$ (221)

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2021						3,129,046
Balance at Dec. 31, 2021						$ 31	$ 38,909	$ 28,164	$ (73)	$ 67,031
Net earnings						0	0	9,681	0	9,681
Dividends paid						0	0	(567)	0	(567)
Net change in unrealized loss on debt securities available for sale, net of income tax benefit						$ 0	0	0	(9,902)	(9,902)
Stock options exercised (in shares)						20,240
Stock options exercised						$ 1	371	0	0	372
Common stock issued as compensation to directors (in shares)						5,002
Common stock issued as compensation to directors						$ 0	131	0	0	131
Issuance of restricted stock (in shares)						10,203
Issuance of restricted stock						$ 0	129	0	0	129
Stock-based compensation						$ 0	178	0	0	$ 178
Balance (in shares) at Dec. 31, 2022						3,164,491				3,164,491
Balance at Dec. 31, 2022	$ 0	$ 0	$ 1,946	$ 0	$ 1,946	$ 32	39,718	37,278	(9,975)	$ 67,053
Net earnings						0	0	8,708	0	8,708
Dividends paid						0	0	(698)	0	(698)
Net change in unrealized loss on debt securities available for sale, net of income tax benefit						$ 0	0	0	2,162	2,162
Stock options exercised (in shares)						19,217
Stock options exercised						$ 0	341	0	0	341
Common stock issued as compensation to directors (in shares)						6,700
Common stock issued as compensation to directors						$ 0	163	0	0	163
Issuance of restricted stock (in shares)						69,473
Issuance of restricted stock						$ 1	243			244
Stock-based compensation						$ 0	57	0	0	$ 57
Balance (in shares) at Dec. 31, 2023						3,259,881				3,259,881
Balance at Dec. 31, 2023						$ 33	$ 40,522	$ 47,234	$ (7,813)	$ 79,976

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net earnings	$ 8,708	$ 9,681
Adjustments to reconcile net earnings to net cash provided by operating activities:
Depreciation and amortization	724	683
Credit loss expense	1,450	890
Net amortization (accretion) of deferred loan fees	276	(541)
Deferred income taxes	(390)	(328)
Amortization of premiums and discounts on debt securities	(284)	(68)
Gain on sale of loans held for sale	(352)	(473)
Proceeds from the sale of loans held for sale	60,437	85,076
Loans originated as held for sale	(58,315)	(79,893)
Stock issued as compensation to directors	163	131
Stock-based compensation expense	301	307
Income from bank-owned life insurance	(389)	(379)
Net increase in accrued interest receivable	(729)	(880)
Net change in operating leases	26	25
Net decrease (increase) in other assets	165	(1,557)
Net (decrease) increase in other liabilities and official checks	(1,250)	4,923
Net cash provided by operating activities	10,541	17,597
Cash flows from investing activities:
Loan originations, net of principal repayments	(56,532)	(98,866)
Purchase of debt securities available for sale	(1,206)	(79,322)
Purchase of debt securities held to maturity	0	(11,782)
Principal repayments of debt securities available for sale	7,284	10,397
Maturities and calls of debt securities available for sale	2,018	33
Purchase of Federal Home Loan Bank stock	(820)	(97)
Purchase of premises and equipment	(178)	(743)
Net cash used in investing activities	(49,434)	(180,380)
Cash flows from financing activities:
Net increase (decrease) in deposits	17,153	(31,407)
Net (decrease) increase in other borrowings	(4,275)	700
Increase in Federal Home Loan Bank advances, net	15,000	0
Proceeds from stock options exercised	341	372
Common stock dividends paid	(698)	(567)
Net cash provided by (used in) financing activities	27,521	(30,902)
Net decrease in cash and cash equivalents	(11,372)	(193,685)
Cash and cash equivalents at beginning of year	39,788	233,473
Cash and cash equivalents at end of year	28,416	39,788
Supplemental disclosure of cash flow information
Interest	10,218	2,779
Income taxes	3,072	3,596
Noncash transactions:
Accumulated other comprehensive loss, net change in unrealized loss on debt securities available for sale, net of income taxes (benefit)	2,162	(9,902)
Impact of adopting ASC 326	$ 1,946	$ 0

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Significant Accounting Policies [Text Block]	( 1 Summary of Significant Accounting Policies Organization. four The following is a description of the significant accounting policies and practices followed by the Company, which conform to accounting principles generally accepted in the United States of America ("GAAP") and prevailing practices within the banking industry. Use of Estimates. Principles of Consolidation. Cash and Cash Equivalents. ninety On March 12, 2021, March 24, 2020 zero Debt Securities. may not Loans Held for Sale. December 31, 2023 2022 December 31, 2023 December 31, 2022 December 31, 2023 2022 no no Loans. The accrual of interest on all portfolio classes is discontinued at the time the loan is ninety not The following is a summary of the Company's significant accounting policies with respect to ASC 326: ACL - Debt Securities Available for Sale. first not one not third not Changes in the ACL are recorded as credit loss expense. Losses are charged against the ACL when management believes the uncollectability of the debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the debt securities available for sale and does not December 31, 2023 ACL – Debt Securities Held to Maturity. no ninety not December 31, 2023 December 31, 2023, ACL - Loans. Management uses systematic methodologies to determine its ACL for loans and certain OBS credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management estimates the ACL using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, such as changes in the national, state and local unemployment rates, commercial real estate price index, housing price index and national retail sales index (see discussion regarding qualitative factors below). The Company's estimate of its ACL involves a high degree of judgment; therefore, management's process for determining expected credit losses may The ACL is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments for analysis. The Company’s ACL is measured based on call report segment as these types of loans exhibit similar risk characteristics. The identified loan classes are as follows: ● Commercial real estate ● Residential and home equity ● Construction ● Commercial ● Consumer and other The ACL for each class is measured through the use of the weighted-average remaining maturity (“WARM”) method. The FASB recognizes the WARM method as an acceptable approach for computing the ACL. In accordance with the WARM method, an annualized loss rate based on a combination of both the Company's and peers' historical loss rates ("historical loss") is applied to the amortized cost of an asset or pool of assets over the remaining expected life. Included in its systematic methodology to determine its ACL, management considers the need to qualitatively adjust model results for risk factors that are not These qualitative factors ("Q-Factors") may may 1 2 3 4 5 6 7 8 The annual historical loss factors, adjusted for Q-Factors and management’s reasonable and supportable forecasts, are applied to the amortized loan balances over each subsequent period and aggregated to arrive at the ACL for loans collectively evaluated. The amortized loan balances are adjusted based on management’s estimate of loan repayments in future periods. Management has determined that the appropriate historical loss period is fifteen one When a loan no 326 20 35 6, not not no not Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: ● Management has a reasonable expectation at the reporting date that a restructuring will be executed with an individual borrower. ● The extension or renewal options are included in the original or modified contract at the reporting date and are not The Company follows its nonaccrual policy by reversing contractual interest income in the statements of earnings when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not December 31, 2023, The Company has a variety of assets that have a component that qualifies as an OBS exposure. These primarily include undrawn portions of revolving lines of credit and construction loans. Management has determined that a majority of the Company's off-balance-sheet credit exposures are not December 31, 2023, Premises and Equipment. Bank-Owned Life Insurance ("BOLI"). . Transfer of Financial Assets. 1 2 3 not 1 2 no 3 not Off-Balance Sheet Financial Instruments. Revenue from Contracts with Customers. 606 606” 606 Debit Card/ATM Revenue. Income Taxes. two Deferred tax assets are recognized if it is more likely than not, not” 50 Income Taxes, Continued . not 50 not not December 31, 2023 not not not The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns. Income taxes are allocated to the Holding Company and Bank as if separate income tax returns were filed. Fair Value Measurements. three may Level 1: Level 2: not may third Level 3: The following describes valuation methodologies used for assets measured at fair value: Debt Securities Available for Sale. 1 1 not 2 3 Derivatives: 2 not third Fair Values of Financial Instruments. Cash and Cash Equivalents. 1 Debt Securities. 2 Loans Held for Sale. 3 Loans. one four 3 Federal Home Loan Bank Stock. 3 Accrued Interest Receivable. 3 Bank Owned Life Insurance. 3 Deposits. 3 Other borrowings. 3 Federal Home Loan Bank Advances. 3 Derivatives. 2 Off-Balance Sheet Instruments. 3 Advertising. Stock - Based Compensation. Comprehensive Income Derivatives. third not no Mortgage Banking Revenue. Recently Adopted Accounting Standards The Company adopted Accounting Standards Update 2016 13, Financial Instruments Credit Losses (Topic 326 326” January 1, 2023. 326 326 The Company adopted ASC 326 December 31, 2022 326 one January 1, 2023. no The Company adopted ASC 326 December 31, 2022. January 1, 2023, not 326, not 326 January 1, 2023 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption (In thousands) Assets: Allowance for credit losses on loans $ 4,539 $ 7,145 $ (2,606 ) Deferred tax asset $ - $ - $ 660 Equity: Retained earnings (impact of adopting ASC 326, net of taxes) $ - $ - $ 1,946 Also on January 1, 2023, 2022 22, 2022 22 310 40 2022 02 not

Note 2 - Debt Securities

Note 2 - Debt Securities	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	( 2 Debt Securities Debt securities have been classified according to management's intention. Our investments in U.S. agency mortgage-backed securities are with government-sponsored enterprises (GSEs) such as Federal National Mortgage Association, Government National Mortgage Association, Federal Home Loan Bank, and Federal Home Loan Mortgage Corporation. The amortized cost of debt securities and fair values are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (in thousands) At December 31, 2023 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 46,492 $ - $ (1,234 ) $ 45,258 Municipal securities 22,259 - (2,151 ) 20,108 U.S. agency mortgage-backed securities 63,165 7 (7,013 ) 56,159 Asset-backed securities 3,024 - (74 ) 2,950 Total $ 134,940 $ 7 $ (10,472 ) $ 124,475 Debt Securities Held to Maturity Municipal securities $ 9,257 $ 39 $ (1,378 ) $ 7,918 U.S. agency mortgage-backed securities 2,593 - (153 ) 2,440 Total $ 11,850 $ 39 $ (1,531 ) $ 10,358 At December 31, 2022 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 48,124 $ - $ (2,219 ) $ 45,905 Municipal securities 22,338 - (2,874 ) 19,464 U.S. agency mortgage-backed securities 68,633 - (8,131 ) 60,502 Asset-backed securities 3,702 - (137 ) 3,565 Total $ 142,797 $ - $ (13,361 ) $ 129,436 Debt Securities Held to Maturity Municipal securities $ 9,215 $ - $ (1,695 ) $ 7,520 U.S. agency mortgage-backed securities 2,590 - (193 ) 2,397 Total $ 11,805 $ - $ (1,888 ) $ 9,917 Debt securities available for sale measured at fair value on a recurring basis are summarized below: Fair Value Measurements Using Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable Fair Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (in thousands) At December 31, 2023 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 45,258 $ - $ 45,258 $ - Municipal securities 20,108 - 20,108 - U.S. agency mortgage-backed securities 56,159 - 56,159 - Asset-backed securities 2,950 - 2,950 - Total $ 124,475 $ - $ 124,475 $ - At December 31, 2022 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 45,905 $ - $ 45,905 $ - Municipal securities 19,464 - 19,464 - U.S. agency mortgage-backed securities 60,502 - 60,502 - Asset-backed securities 3,565 - 3,565 - Total $ 129,436 $ - $ 129,436 $ - The scheduled maturities of debt securities are as follows: Amortized Fair Cost Value (in thousands) At December 31, 2023 Debt Securities Available for Sale Due in less than one year $ 35,373 $ 34,951 Due in one to five years 17,831 16,732 Due in five to ten years 13,236 11,692 Due after ten years 5,335 4,941 Mortgage-backed securities 63,165 56,159 Total $ 134,940 $ 124,475 Debt Securities Held to Maturity Due in five to ten years $ 2,050 $ 1,956 Due after ten years 7,207 5,962 Mortgage backed securities 2,593 2,440 Total $ 11,850 $ 10,358 There were no debt securities available for sale sold during the years ended December 31, 2023 2022 At December 31, 2023 2022 Debt securities with unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows: Less Than Twelve Months More Than Twelve Months Gross Gross Unrealized Fair Unrealized Fair Losses Value Losses Value (in thousands) At December 31, 2023 Debt Securities Available for Sale U.S. Government treasury and agency securities $ - $ - $ (1,234 ) $ 45,258 Municipal securities (2 ) 386 (2,149 ) 19,722 U.S. agency mortgage-backed securities - - (7,013 ) 54,987 Asset-backed securities - - (74 ) 2,950 Total $ (2 ) $ 386 $ (10,470 ) $ 122,917 Debt Securities Held to Maturity Municipal securities $ - $ - $ (1,378 ) $ 6,884 U.S. agency mortgage-backed securities - - (153 ) 2,440 Total $ - $ - $ (1,531 ) $ 9,324 At December 31, 2022 Debt Securities Available for Sale U.S. Government treasury and agency securities $ (1,384 ) $ 40,926 $ (835 ) $ 4,979 Municipal securities (999 ) 11,436 (1,875 ) 8,028 U.S. agency mortgage-backed securities (3,246 ) 36,939 (4,885 ) 23,563 Asset-backed securities (102 ) 2,461 (35 ) 1,104 Total $ (5,731 ) $ 91,762 $ (7,630 ) $ 37,674 Debt Securities Held to Maturity Municipal securities $ (1,695 ) $ 7,520 $ - $ - U.S. agency mortgage-backed securities (193 ) 2,397 - - Total $ (1,888 ) $ 9,917 $ - $ - The unrealized losses at December 31, 2023 2022 not not not not December 31, 2023 Management evaluates debt securities for impairment where there has been a decline in fair value below the amortized cost basis of a debt security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Credit losses are calculated individually and collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the debt security. Any credit loss component would be recognized through a credit loss expense. Consideration is given to ( 1 2 3 4 not 5 6 7 third 8 zero one not zero third December 31, 2023 2022 December 31, 2023 not December 31, 2023 not not not

Note 3 - Loans

Note 3 - Loans	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	( 3 The segments and classes of loans are as follows: At December 31, (in thousands) 2023 2022 Real estate mortgage loans: Commercial $ 223,795 $ 202,263 Residential and home equity 254,574 224,211 Construction 81,640 75,151 Total real estate mortgage loans 560,009 501,625 Commercial loans 85,983 86,308 Consumer and other loans 5,936 7,698 Total loans 651,928 595,631 Add (Deduct): Net deferred loan (fees) costs (192 ) 229 Allowance for credit losses (5,609 ) (7,145 ) Loans, net $ 646,127 $ 588,715 The Company has divided the loan portfolio into three five Real Estate Mortgage Loans. three Commercial. three five may five may five Residential and Home Equity. first second one four may Construction. one two one ten not third may Commercial Loans. not third five may not one 504 7A 504 7A may may Consumer and Other Loans. may not not 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 analyzes loans individually by classifying the loans as to credit risk. Loans classified as substandard or special mention are reviewed quarterly by the Company for further deterioration or improvement to determine if they are appropriately classified and whether there is any impairment. All loans are graded upon initial issuance. Further, construction and nonowner-occupied commercial real estate loans and commercial relationships in excess of $1 million are reviewed at least annually. The Company determines the appropriate loan grade during the renewal process and reevaluates the loan grade in situations when a loan becomes past due. Loans excluded from the review process above are generally classified as pass credits until: (a) they become past due; (b) management becomes aware of deterioration in the credit worthiness of the borrower; or (c) the client contacts the Company for a modification. In these circumstances, the loan is specifically evaluated for potential classification as to special mention, substandard or even charged-off. The Company uses the following definitions for risk ratings: Pass Special Mention may not not Substandard not Doubtful one Loss not not no Loan balances classified by credit quality indicator, loan type and based on year of origination as of December 31, 2023 Term Loans by Origination Year (in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial Real Estate Loans Pass $ 27,756 $ 62,149 $ 32,799 $ 42,079 $ 12,492 $ 38,271 $ 6,482 $ 222,028 Special mention - - - - - 1,767 - 1,767 Substandard - - - - - - - - Total commercial real estate loans $ 27,756 $ 62,149 $ 32,799 $ 42,079 $ 12,492 $ 40,038 $ 6,482 $ 223,795 Year-to-date gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Residential and Home Equity Loans Pass $ 43,809 $ 51,060 $ 56,802 $ 29,979 $ 11,717 $ 28,188 $ 29,794 $ 251,349 Special mention - - 1,391 278 - 203 357 2,229 Substandard - - 585 367 - - 44 996 Total residential loans $ 43,809 $ 51,060 $ 58,778 $ 30,624 $ 11,717 $ 28,391 $ 30,195 $ 254,574 Year-to-date gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Construction Loans Pass $ 33,713 $ 18,797 $ 16,717 $ 1,425 $ 1,611 $ 1,837 $ 6,958 $ 81,058 Special mention - - - - - - - - Substandard - 198 - 384 - - - 582 Total construction loans $ 33,713 $ 18,995 $ 16,717 $ 1,809 $ 1,611 $ 1,837 $ 6,958 $ 81,640 Year-to-date gross charge-offs $ - $ - $ - $ 386 $ - $ - $ - $ 386 Commercial Loans Pass $ 12,024 $ 12,130 $ 7,247 $ 3,543 $ 4,823 $ 5,250 $ 40,064 $ 85,081 Special mention 24 - - 45 - 32 - 101 Substandard - - - 36 - - 765 801 Total commercial loans $ 12,048 $ 12,130 $ 7,247 $ 3,624 $ 4,823 $ 5,282 $ 40,829 $ 85,983 Year-to-date gross charge-offs $ - $ - $ - $ - $ - $ 1 $ - $ 1 Consumer & Other Loans Pass $ 1,317 $ 688 $ 275 $ 122 $ 348 $ 176 $ 3,010 $ 5,936 Special mention - - - - - - - - Substandard - - - - - - - - Total consumer & other loans $ 1,317 $ 688 $ 275 $ 122 $ 348 $ 176 $ 3,010 $ 5,936 Year-to-date gross charge-offs $ 46 $ - $ - $ - $ - $ - $ - $ 46 The risk ratings of loans at December 31, 2022 Real Estate Mortgage Loans Residential Consumer and Home Commercial and Other (in thousands) Commercial Equity Construction Loans Loans Total At December 31, 2022 Grade: Pass $ 200,192 $ 221,552 $ 74,516 $ 85,874 $ 7,696 $ 589,830 Special mention 1,794 2,616 635 368 2 5,415 Substandard 277 43 - 66 - 386 Doubtful - - - - - - Loss - - - - - - Total $ 202,263 $ 224,211 $ 75,151 $ 86,308 $ 7,698 $ 595,631 Age analysis of past-due loans at December 31, 2023 2022 Accruing Loans Greater Than 30-59 Days 60-89 Days 90 Days Total Past Nonaccrual Total (in thousands) Past Due Past Due Past Due Due Current Loans Loans At December 31, 2023: Real estate mortgage loans: Commercial $ 57 $ - $ - $ 57 $ 223,738 $ - $ 223,795 Residential and home equity 3,792 492 1,110 5,394 248,227 953 254,574 Construction 648 - - 648 80,410 582 81,640 Commercial loans 18 318 - 336 84,847 800 85,983 Consumer and other loans 28 - - 28 5,908 - 5,936 Total $ 4,543 $ 810 $ 1,110 $ 6,463 $ 643,130 $ 2,335 $ 651,928 At December 31, 2022: Real estate mortgage loans: Commercial $ - $ - $ - $ - $ 201,986 $ 277 $ 202,263 Residential and home equity 1,383 413 349 2,145 222,066 - 224,211 Construction 651 - 55 706 74,445 - 75,151 Commercial loans 293 160 - 453 85,789 66 86,308 Consumer and other loans - - - - 7,698 - 7,698 Total $ 2,327 $ 573 $ 404 $ 3,304 $ 591,984 $ 343 $ 595,631 Loans are generally placed on nonaccrual status if principal or interest payments become 90 90 December 31, 2023 (in thousands) Total Nonaccrual Loans Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ Days Still Accruing At December 31, 2023 Residential and home equity $ 953 $ 953 $ - $ 1,110 Construction 582 582 - - Commercial 800 36 764 - Total $ 2,335 $ 1,571 $ 764 $ 1,110 The amortized cost basis of impaired loans and their associated allowance, if any, as of December 31, 2022 With No Related Allowance Recorded With an Allowance Recorded Total Unpaid Unpaid Unpaid Contractual Contractual Contractual Recorded Principal Recorded Principal Related Recorded Principal Related (in thousands) Investment Balance Investment Balance Allowance Investment Balance Allowance At December 31, 2022 Commercial real estate $ 277 $ 277 $ - $ - $ - $ 277 $ 277 $ - Commercial - - 66 66 14 66 66 14 Consumer and other loans 2 2 - - - 2 2 - Total $ 279 $ 279 $ 66 $ 66 $ 14 $ 345 $ 345 $ 14 The restructuring of a loan exists if the creditor grants a modification as a result of financial hardship. A loan modification may not December 31, 2023 2022 The Company grants the majority of its loans to borrowers throughout Leon County and Polk County, Florida. Although the Company has a diversified loan portfolio, a significant portion of its borrowers’ ability to honor their contracts is dependent upon the economy of this area. The Company does not one

Note 4 - Allowance for Credit L

Note 4 - Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	( 4 Activity in the ACL is summarized as follows: Real Estate Mortgage Loans (in thousands) Commercial Residential and Home Equity Construction Commercial Loans Consumer and Other Loans Total Year Ended December 31, 2023 Beginning balance $ 2,303 $ 2,607 $ 922 $ 1,223 $ 90 $ 7,145 Impact of adopting ASC 326 (740 ) (892 ) (403 ) (504 ) (67 ) (2,606 ) Credit loss expense 150 319 424 510 47 1,450 Charge-offs - - (386 ) (1 ) (46 ) (433 ) Recoveries - - 2 44 7 53 Ending balance $ 1,713 $ 2,034 $ 559 $ 1,272 $ 31 $ 5,609 Year Ended December 31, 2022 Beginning balance $ 1,762 $ 2,139 $ 857 $ 1,125 $ 91 $ 5,974 Provision (credit) for loan losses 541 468 65 (201 ) 17 890 Net recoveries (charge-offs) - - - 299 (18 ) 281 Ending balance $ 2,303 $ 2,607 $ 922 $ 1,223 $ 90 $ 7,145

Note 5 - Premises and Equipment

Note 5 - Premises and Equipment	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	( 5 Premises and Equipment A summary of premises and equipment follows: At December 31, (in thousands) 2023 2022 Land $ 1,704 $ 1,704 Buildings 5,111 5,089 Leasehold improvements 1,584 1,584 Furniture, fixtures and equipment 2,438 2,360 Computer and software 3,720 3,642 Total, at cost 14,557 14,379 Less accumulated depreciation and amortization (7,081 ) (6,357 ) Premises and equipment, net $ 7,476 $ 8,022 Right of use lease assets and operating lease liabilities are disclosed as separate line items in the consolidated balance sheets and are valued based on the present value of the future minimum lease payments at the commencement date. As our lease does not The Company's operating lease obligation is for the Company's main office on Timberlane Road, Tallahassee, Florida. The term of the lease is 15 years, with four five third The components of lease expense and other lease information as of and during the years ended December 31, 2023 2022 Years ended December 31, (in thousands) 2023 2022 Operating lease cost $ 319 $ 319 Cash paid for amount included in the measurement of operating lease liability operating cash flows from operating lease $ 294 $ 294 At December 31, (dollars in thousands) 2023 2022 Operating lease right of use asset $ 2,823 $ 3,044 Operating lease liability 3,013 3,208 Remaining lease term - (in years) 10.6 11.6 Weighted average discount rate 3.17 % 3.17 % Future minimum lease payments under non-cancellable leases as of December 31, 2023 (in thousands) At December 31, 2023 2024 $ 306 2025 323 2026 323 2027 323 2028 323 Thereafter 1,998 Total future minimum lease payments 3,596 Less interest (583 ) Total $ 3,013

Note 6 - Deposits

Note 6 - Deposits	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	( 6 Deposits The aggregate amount of time deposits with a minimum denomination greater than $250,000 $14.1 December 31, 2023 2022 A schedule of maturities for all time deposits at December 31, 2023 (in thousands) Year Ending December 31, Amount 2024 $ 58,991 2025 22,047 2026 899 2027 69 Thereafter 430 Total $ 82,436

Note 7 - Federal Home Loan Bank

Note 7 - Federal Home Loan Bank Advances and Other Borrowings	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Federal Home Loan Bank Advances, Disclosure [Text Block]	( 7 Federal Home Loan Bank Advances and Other Borrowings Federal Home Loan Bank of Atlanta (“FHLB”) advances are collateralized by a blanket lien on qualifying residential real estate, commercial real estate, home equity lines of credit and multi-family loans. Under this blanket lien, the Company could borrow up to $102.1 million at December 31, 2023. December 31, 2023 December 31, 2022 FHLB advances as of December 31, 2023 (dollars in thousands) Maturity Year Interest Rate Amount 2024 4.48% - 4.83 % $ 10,000 2025 4.18 % 5,000 $ 15,000 The Company has available credit of $59.0 million in lines of credit with correspondent banks. All draws under these lines are subject to approval by the correspondent bank. There were no outstanding borrowings under these line at December 31, 2023 2022 The Company maintains a $15.0 million revolving line of credit with a local bank. The Company has pledged all of the Bank's common stock as collateral for the revolving line of credit which matures in August, 2025 zero December 31, 2023 December 31, 2022

Note 8 - Income Taxes

Note 8 - Income Taxes	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Income Tax Disclosure [Text Block]	( 8 Income Taxes The components of the income taxes are as follows: Year Ended December 31, (in thousands) 2023 2022 Current: Federal $ 2,434 $ 2,699 State 696 685 Total current 3,130 3,384 Deferred: Federal (305 ) (257 ) State (85 ) (71 ) Total deferred (390 ) (328 ) Total income taxes $ 2,740 $ 3,056

Note 9 - Income Taxes, Continue

Note 9 - Income Taxes, Continued	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Income Tax Disclosure Continued [Text Block]	( 9 ) Income Taxes, Continued The reasons for the difference between the statutory Federal income tax rate and the effective tax rates are summarized as follows: Year Ended December 31, 2023 2022 % of % of Pretax Pretax Amount Earnings Amount Earnings (dollars in thousands) Income taxes at statutory rate $ 2,404 21.0 % $ 2,675 21.0 % Increase (decrease) resulting from: State taxes, net of federal tax benefit 483 4.2 485 3.8 Tax-exempt income (158 ) (1.4 ) (105 ) (0.8 ) Other nondeductible expenses 11 0.1 1 - Total $ 2,740 23.9 % $ 3,056 24.0 % Tax effects of temporary differences that give rise to the deferred tax assets and liabilities are as follows: At December 31, 2023 2022 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,422 $ 1,827 Organizational and start-up costs - 2 Stock-based compensation 164 132 Deferred compensation 262 201 Unrealized losses on debt securities available for sale 2,652 3,386 Operating lease liability 764 813 Other 12 13 Deferred tax assets 5,276 6,374 Deferred tax liabilities: Prepaid Expenses (143 ) (144 ) Deferred loan costs (682 ) (688 ) Premises and equipment (206 ) (238 ) Right of use lease asset (716 ) (771 ) Deferred tax liabilities (1,747 ) (1,841 ) Net deferred tax asset $ 3,529 $ 4,533 The Company files consolidated income tax returns in the U.S. federal jurisdiction and the State of Florida. The Company is no 2020.

Note 10 - Off-balance Sheet Fin

Note 10 - Off-balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Off-balance Sheet Financial Instruments [Text Block]	( 10 Off-Balance Sheet Financial Instruments 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 clients. These financial instruments are commitments to extend credit, construction loans in process, unused lines of credit, financial and performance standby letters of credit, and guaranteed accounts and may The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for available lines of credit, construction loans in process and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. Commitments to extend credit, construction loans in process and unused lines of credit are agreements to lend to a client as long as there is no may not third third one not third December 31, 2023 Guaranteed accounts are irrevocable standby letters of credit issued by us to guarantee a client’s credit line with our third Standby letters of credit and commitments to extend credit typically result in loans with a market interest rate when funded. A summary of the contractual amounts of the Company’s financial instruments with off-balance sheet risk at December 31, 2023 (in thousands) At December 31, 2023 Commitments to extend credit $ 2,194 Construction loans in process 46,882 Unused lines of credit 85,150 Standby financial letters of credit 2,136 Standby performance letters of credit 89 Guaranteed accounts 1,276 Total off-balance sheet instruments $ 137,727

Note 11 - Stock Compensation Pl

Note 11 - Stock Compensation Plans	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	( 11 Stock Compensation Plan s 2015 The 2015 “2015 May 20, 2015, 2015 may no December 31, 2023 2015 December 31, 2023 A summary of the activity in the Company’s 2015 Weighted- Weighted- Average Average Remaining Aggregate Number of Exercise Contractual Intrinsic Options Price Term Value Outstanding at December 31, 2021 268,657 $ 20.23 Options granted 3,500 25.37 Options exercised (20,240 ) (18.35 ) Options forfeited (550 ) 20.09 Outstanding at December 31, 2022 251,367 19.99 Options exercised (19,217 ) (20.09 ) Options forfeited (10,050 ) (28.40 ) Outstanding at December 31, 2023 222,100 $ 20.33 2.5 $ 740,000 Exercisable at December 31, 2023 212,900 $ 20.18 2.4 $ 727,000 The fair value of shares vested and recognized as compensation expense was $57,000 and $178,000 for the years ended December 31, 2023 2022 December 31, 2023 2022 an income tax benefit of $6,000 and $19,000, respectively, in December 31, 2023 2022 December 31, 2023 2015 No 2023. 2022 Year ended December 31, 2022 Weighted average risk-free interest rate 2.91 % Expected dividend yield 0.71 % Expected stock volatility 33.18 % Expected life in years 6.5 Per share fair value of options issued during year $ 9.10 The Company used the guidance in Staff Accounting Bulletin No. 107 Restricted Stock Issued under the 2015 The Company issued 69,473 restricted common stock shares (net of forfeitures) to employees in 2023 3 5 Wtd-Avg Grant-Date Number of Fair Value Grant-Date Fair Shares per Share Value Non-vested restricted stock outstanding at December 31, 2021 7,838 $ 18.88 $ 149,000 Non-vested restricted stock granted 10,203 $ 27.85 284,000 Restricted stock shares vested in 2022 (3,838 ) (18.98 ) (73,000 ) Non-vested restricted stock outstanding at December 31, 2022 14,203 $ 25.30 $ 359,000 Non-vested restricted stock granted 75,751 $ 22.68 $ 1,718,000 Forfeited (6,278 ) $ 23.42 $ (147,000 ) Restricted stock shares vested in 2023 (6,040 ) (24.06 ) (145,000 ) Non-vested restricted stock outstanding at December 31, 2023 77,636 $ 22.99 $ 1,785,000 During the years ended December 31, 2023 2022 December 31, 2023 Directors' Plan The Directors’ Plan permits the Company’s and the Bank’s directors to elect to receive any compensation to be paid to them in shares of the Company’s common stock. Pursuant to the Directors’ Plan, each director is permitted to make an election to receive shares of stock instead of cash. To encourage directors to elect to receive stock, the Directors’ Plan provides that if a director elects to receive stock, he or she will receive in common stock 110% of the amount of cash fees set by the Board or the Compensation Committee. The value of stock to be awarded pursuant to the Directors’ Plan will be the closing price of a share of common stock as traded on the OTCQX or a price set by the Board or its Compensation Committee, acting in good faith, but in no 2023 2022 2023 2022 $163,000 and $131,000 d December 31, 2023 2022 December 31, 2023

Note 12 - Employee Benefit Plan

Note 12 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Compensation and Employee Benefit Plans [Text Block]	( 12 The Company sponsors a 401 December 31, 2023 2022 The Company has established non-qualified account balance deferred compensation plans to provide retirement benefits for certain officers of the Company. The Company is recognizing the expense of these plans as services are rendered using a discount rate of four sixty $242,000 and $265,000 f December 31, 2023 2022 December 31, 2023 2022

Note 13 - Related Party Transac

Note 13 - Related Party Transactions	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	( 13 Related Party Transactions The Company enters into transactions during the ordinary course of business with officers and directors of the Company and entities in which they hold a significant financial interest. The following table summarizes these transactions: Year Ended December 31, (in thousands) 2023 2022 Loans: Beginning balance $ 7,224 $ 8,468 Originated during the year 1,694 544 Principal repayments (1,946 ) (1,788 ) Ending balance $ 6,972 $ 7,224 Deposits at year-end $ 14,690 $ 5,970 In addition, the Company purchases various insurance policies through a company that employs the spouse of a Director. The premiums paid totaled $1.6 million and $1.4 million in 2023 2022

Note 14 - Fair Value of Financi

Note 14 - Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Fair Value Disclosures [Text Block]	( 14 Fair Value of Financial Instruments The approximate carrying amounts and estimated fair values of the Company’s financial instruments are as follows: At December 31, 2023 At December 31, 2022 Carrying Fair Carrying Fair (in thousands) Level Amount Value Amount Value Financial assets: Cash and cash equivalents 1 $ 28,416 $ 28,416 $ 39,788 $ 39,788 Debt securities available for sale 2 124,475 124,475 129,436 129,436 Debt securities held to maturity 2 11,850 10,358 11,805 9,917 Loans held for sale 3 5,288 5,371 7,058 7,170 Loans, net 3 646,127 557,847 588,715 548,166 Federal Home Loan Bank stock 3 1,283 1,283 463 463 Accrued interest receivable 3 3,114 3,114 2,385 2,385 Bank owned life insurance 3 16,921 16,921 16,532 16,532 Derivative contract assets 2 2,253 2,253 2,352 2,352 Financial liabilities: Deposits 3 748,688 749,411 731,535 731,506 Other borrowings 3 - - 4,275 4,275 FHLB advances 3 15,000 14,848 - - Derivative contract liabilities 2 2,253 2,253 2,352 2,352 Off-Balance Sheet financial instruments 3 - - - -

Note 15 - Dividend Restrictions

Note 15 - Dividend Restrictions	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Dividend Payment Restrictions [Text Block]	( 15 Dividend Restrictions The Holding Company is limited in the amount of cash dividends it may may may two In January 2024, February 29, 2024 February 9, 2024.

Note 16 - Regulatory Matters

Note 16 - Regulatory Matters	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	( 16 Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’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 Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The Bank is subject to the Basel III capital level threshold requirements under the Prompt Corrective Action regulations which phased in full compliance over a multi-year schedule. These regulations were designed to ensure that banks maintain strong capital positions even in the event of severe economic downturns or unforeseen losses. The Bank is subject to the capital conservation buffer rules which place limitations on distributions, including dividend payments, and certain discretionary bonus payments to executive officers. In order to avoid these limitations, a bank must hold a capital conservation buffer above its minimum risk-based capital requirements. As of December 31, 2023 2022 Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and percentage (set forth in the table below) of total and Tier 1 1 December 31, 2023 As of December 31, 2023 1 1 no Actual For Capital Adequacy Purposes For Well Capitalized Purposes (dollars in thousands) Amount Percentage Amount Percentage Amount Percentage As of December 31, 2023 Tier 1 Leverage ratio to Average Assets $ 86,576 10.15 % $ 34,133 4.00 % $ 42,666 5.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 86,576 13.18 29,566 4.50 42,706 6.50 Tier 1 Capital to Risk-Weighted Assets 86,576 13.18 39,421 6.00 52,561 8.00 Total Capital to Risk-Weighted Assets 92,185 14.03 52,561 8.00 65,702 10.00 As of December 31, 2022: Tier 1 Leverage ratio to Average Assets $ 81,100 9.70 % $ 33,461 4.00 % $ 41,826 5.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 81,100 12.90 28,290 4.50 40,863 6.50 Tier 1 Capital to Risk-Weighted Assets 81,100 12.90 37,720 6.00 50,294 8.00 Total Capital to Risk-Weighted Assets 88,245 14.04 50,294 8.00 62,867 10.00

Note 17 - Legal Contingencies

Note 17 - Legal Contingencies	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Legal Matters and Contingencies [Text Block]	( 17 Legal Contingencies Various legal claims arise from time to time in the normal course of business which, in the opinion of management, will not December 31, 2023 no

Note 18 - Earnings Per Share

Note 18 - Earnings Per Share	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	( 18 2023 2022 Weighted- Per Weighted- Per Average Share Average Share (dollars in thousands, except per share amounts) Earnings Shares Amount Earnings Shares Amount Year Ended December 31, Basic EPS: Net earnings $ 8,708 3,209,924 $ 2.71 $ 9,681 3,154,866 $ 3.07 Effect of dilutive securities-incremental shares from assumed conversion of options 41,156 38,908 Diluted EPS: Net earnings $ 8,708 3,251,080 $ 2.68 $ 9,681 3,193,774 $ 3.03

Note 19 - Derivatives

Note 19 - Derivatives	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	( 19 The Company has entered into interest rate swaps in order to provide commercial real estate loan clients the ability to swap from variable to fixed interest rates. Under these agreements, the Company enters into a variable rate loan with a client at a specified index (Wall Street Journal Prime Lending Rate) in addition to a borrower swap agreement. This swap agreement effectively converts the client’s variable rate loan into a fixed rate. The Company then enters into a matching swap agreement with a third not no At December 31, 2023 2022 dollars in thousands Notional amount - interest rate swaps: Stand-alone derivatives $ 19,548 $ 20,084 Weighted-average pay rate - interest rate swaps 3.68 % 3.68 % Weighted-average receive rate - interest rate swaps 3.00 % 3.00 % Weighted-average maturity (in years) - interest rate swaps 11.6 12.6 Net realized fair value adjustments: Stand-alone derivatives - interest rate swaps (other assets) $ 2,253 $ 2,352 Stand-alone derivatives - interest rate swaps (other liabilities) $ (2,253 ) $ (2,352 ) The Company is party to a collateral support agreement with its dealer counterparty. Such agreement requires that the Company or the dealer counterparty to maintain collateral based on the fair values of derivative instruments. In the event of default by a counterparty the non-defaulting counterparty would be entitled to the collateral. The Company does not

Note 20 - Parent Company Only F

Note 20 - Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2023
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	( 20 ) Parent Company Only Financial Information The Holding Company's unconsolidated financial information follows: Condensed Balance Sheets December 31, 2023 2022 (in thousands) Assets Cash $ 1,178 $ 204 Investment in subsidiary 78,763 71,125 Other assets 35 30 Total assets $ 79,976 $ 71,359 Liabilities and Stockholders' Equity Liabilities: Other borrowings $ - $ 4,275 Accrued interest - 31 Total liabilities - 4,306 Stockholders' equity 79,976 67,053 Total liabilities and stockholders' equity $ 79,976 $ 71,359 Condensed Statements of Earnings Year Ended December 31, 2023 2022 (in thousands) Revenues $ - $ - Expenses (698 ) (756 ) Income tax benefit 177 192 Loss before earnings of subsidiary (521 ) (564 ) Net earnings of subsidiary 9,229 10,245 Net earnings $ 8,708 $ 9,681 Condensed Statements of Cash Flows Year Ended December 31, (in thousands) 2023 2022 Cash flows from operating activities: Net Earnings $ 8,708 $ 9,681 Adjustments to reconcile net earnings to net cash used in operating activities: Equity in earnings of subsidiary (9,229 ) (10,245 ) Stock issued as compensation 163 131 Net change in other assets (5 ) (3 ) (Decrease) increase in accrued interest (31 ) 21 Net cash used in operating activities (394 ) (415 ) Cash flows from investment activities- Cash dividend received from bank subsidiary 6,000 - Cash flows from financing activities: Net change in other borrowings (4,275 ) 700 Cash dividend paid (698 ) (567 ) Proceeds from stock options exercised 341 372 Net cash (used in) provided by financing activities (4,632 ) 505 Net increase in cash 974 90 Cash at beginning of the year 204 114 Cash at end of year $ 1,178 $ 204 Supplemental disclosure of cash flow information- Noncash items: Net change in accumulated other comprehensive loss of subsidiary, net change in unrealized loss on debt securities available for sale, net of taxes $ 2,162 $ (9,902 ) Stock-based compensation expense of subsidiary $ 301 $ 307

Insider Trading Arrangements

Insider Trading Arrangements	12 Months Ended
	Dec. 31, 2023
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]	Item 9B. None.
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)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Organization. four The following is a description of the significant accounting policies and practices followed by the Company, which conform to accounting principles generally accepted in the United States of America ("GAAP") and prevailing practices within the banking industry.
Use of Estimates, Policy [Policy Text Block]	Use of Estimates.
Consolidation, Policy [Policy Text Block]	Principles of Consolidation.
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents. ninety On March 12, 2021, March 24, 2020 zero
Securities [Policy Text Block]	Debt Securities. may not
Financing Receivable, Held-for-Sale [Policy Text Block]	Loans Held for Sale. December 31, 2023 2022 December 31, 2023 December 31, 2022 December 31, 2023 2022 no no
Financing Receivable, Held-for-Investment [Policy Text Block]	Loans. The accrual of interest on all portfolio classes is discontinued at the time the loan is ninety not
Credit Loss, Financial Instrument [Policy Text Block]	The following is a summary of the Company's significant accounting policies with respect to ASC 326: ACL - Debt Securities Available for Sale. first not one not third not Changes in the ACL are recorded as credit loss expense. Losses are charged against the ACL when management believes the uncollectability of the debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the debt securities available for sale and does not December 31, 2023 ACL – Debt Securities Held to Maturity. no ninety not December 31, 2023 December 31, 2023, ACL - Loans. Management uses systematic methodologies to determine its ACL for loans and certain OBS credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management estimates the ACL using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, such as changes in the national, state and local unemployment rates, commercial real estate price index, housing price index and national retail sales index (see discussion regarding qualitative factors below). The Company's estimate of its ACL involves a high degree of judgment; therefore, management's process for determining expected credit losses may The ACL is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments for analysis. The Company’s ACL is measured based on call report segment as these types of loans exhibit similar risk characteristics. The identified loan classes are as follows: ● Commercial real estate ● Residential and home equity ● Construction ● Commercial ● Consumer and other The ACL for each class is measured through the use of the weighted-average remaining maturity (“WARM”) method. The FASB recognizes the WARM method as an acceptable approach for computing the ACL. In accordance with the WARM method, an annualized loss rate based on a combination of both the Company's and peers' historical loss rates ("historical loss") is applied to the amortized cost of an asset or pool of assets over the remaining expected life. Included in its systematic methodology to determine its ACL, management considers the need to qualitatively adjust model results for risk factors that are not These qualitative factors ("Q-Factors") may may 1 2 3 4 5 6 7 8 The annual historical loss factors, adjusted for Q-Factors and management’s reasonable and supportable forecasts, are applied to the amortized loan balances over each subsequent period and aggregated to arrive at the ACL for loans collectively evaluated. The amortized loan balances are adjusted based on management’s estimate of loan repayments in future periods. Management has determined that the appropriate historical loss period is fifteen one When a loan no 326 20 35 6, not not no not Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: ● Management has a reasonable expectation at the reporting date that a restructuring will be executed with an individual borrower. ● The extension or renewal options are included in the original or modified contract at the reporting date and are not The Company follows its nonaccrual policy by reversing contractual interest income in the statements of earnings when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not December 31, 2023, The Company has a variety of assets that have a component that qualifies as an OBS exposure. These primarily include undrawn portions of revolving lines of credit and construction loans. Management has determined that a majority of the Company's off-balance-sheet credit exposures are not December 31, 2023,
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment.
Bank Owned Life Insurance [Policy Text Block]	Bank-Owned Life Insurance ("BOLI"). .
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	Transfer of Financial Assets. 1 2 3 not 1 2 no 3 not
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	Off-Balance Sheet Financial Instruments.
Revenue from Contract with Customer [Policy Text Block]	Revenue from Contracts with Customers. 606 606” 606
Debit Card and ATM Revenue, Policy [Policy Text Block]	Debit Card/ATM Revenue.
Income Tax, Policy [Policy Text Block]	Income Taxes. two Deferred tax assets are recognized if it is more likely than not, not” 50 Income Taxes, Continued . not 50 not not December 31, 2023 not not not The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns. Income taxes are allocated to the Holding Company and Bank as if separate income tax returns were filed.
Fair Value Measurement, Policy [Policy Text Block]	Fair Value Measurements. three may Level 1: Level 2: not may third Level 3: The following describes valuation methodologies used for assets measured at fair value: Debt Securities Available for Sale. 1 1 not 2 3 Derivatives: 2 not third
Fair Value of Financial Instruments, Policy [Policy Text Block]	Fair Values of Financial Instruments. Cash and Cash Equivalents. 1 Debt Securities. 2 Loans Held for Sale. 3 Loans. one four 3 Federal Home Loan Bank Stock. 3 Accrued Interest Receivable. 3 Bank Owned Life Insurance. 3 Deposits. 3 Other borrowings. 3 Federal Home Loan Bank Advances. 3 Derivatives. 2 Off-Balance Sheet Instruments. 3
Advertising Cost [Policy Text Block]	Advertising.
Share-Based Payment Arrangement [Policy Text Block]	Stock - Based Compensation.
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income
Derivatives, Policy [Policy Text Block]	Derivatives. third not no
Mortgage Banking Activity [Policy Text Block]	Mortgage Banking Revenue.
New Accounting Pronouncements, Policy [Policy Text Block]	Recently Adopted Accounting Standards The Company adopted Accounting Standards Update 2016 13, Financial Instruments Credit Losses (Topic 326 326” January 1, 2023. 326 326 The Company adopted ASC 326 December 31, 2022 326 one January 1, 2023. no The Company adopted ASC 326 December 31, 2022. January 1, 2023, not 326, not 326 January 1, 2023 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption (In thousands) Assets: Allowance for credit losses on loans $ 4,539 $ 7,145 $ (2,606 ) Deferred tax asset $ - $ - $ 660 Equity: Retained earnings (impact of adopting ASC 326, net of taxes) $ - $ - $ 1,946 Also on January 1, 2023, 2022 22, 2022 22 310 40 2022 02 not

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Accounting Standards Update and Change in Accounting Principle [Table Text Block]	January 1, 2023 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption (In thousands) Assets: Allowance for credit losses on loans $ 4,539 $ 7,145 $ (2,606 ) Deferred tax asset $ - $ - $ 660 Equity: Retained earnings (impact of adopting ASC 326, net of taxes) $ - $ - $ 1,946

Note 2 - Debt Securities (Table

Note 2 - Debt Securities (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Debt Securities, Available-for-Sale and Held-to-Maturity [Table Text Block]	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (in thousands) At December 31, 2023 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 46,492 $ - $ (1,234 ) $ 45,258 Municipal securities 22,259 - (2,151 ) 20,108 U.S. agency mortgage-backed securities 63,165 7 (7,013 ) 56,159 Asset-backed securities 3,024 - (74 ) 2,950 Total $ 134,940 $ 7 $ (10,472 ) $ 124,475 Debt Securities Held to Maturity Municipal securities $ 9,257 $ 39 $ (1,378 ) $ 7,918 U.S. agency mortgage-backed securities 2,593 - (153 ) 2,440 Total $ 11,850 $ 39 $ (1,531 ) $ 10,358 At December 31, 2022 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 48,124 $ - $ (2,219 ) $ 45,905 Municipal securities 22,338 - (2,874 ) 19,464 U.S. agency mortgage-backed securities 68,633 - (8,131 ) 60,502 Asset-backed securities 3,702 - (137 ) 3,565 Total $ 142,797 $ - $ (13,361 ) $ 129,436 Debt Securities Held to Maturity Municipal securities $ 9,215 $ - $ (1,695 ) $ 7,520 U.S. agency mortgage-backed securities 2,590 - (193 ) 2,397 Total $ 11,805 $ - $ (1,888 ) $ 9,917
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable Fair Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (in thousands) At December 31, 2023 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 45,258 $ - $ 45,258 $ - Municipal securities 20,108 - 20,108 - U.S. agency mortgage-backed securities 56,159 - 56,159 - Asset-backed securities 2,950 - 2,950 - Total $ 124,475 $ - $ 124,475 $ - At December 31, 2022 Debt Securities Available for Sale U.S. Government treasury and agency securities $ 45,905 $ - $ 45,905 $ - Municipal securities 19,464 - 19,464 - U.S. agency mortgage-backed securities 60,502 - 60,502 - Asset-backed securities 3,565 - 3,565 - Total $ 129,436 $ - $ 129,436 $ -
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Fair Cost Value (in thousands) At December 31, 2023 Debt Securities Available for Sale Due in less than one year $ 35,373 $ 34,951 Due in one to five years 17,831 16,732 Due in five to ten years 13,236 11,692 Due after ten years 5,335 4,941 Mortgage-backed securities 63,165 56,159 Total $ 134,940 $ 124,475 Debt Securities Held to Maturity Due in five to ten years $ 2,050 $ 1,956 Due after ten years 7,207 5,962 Mortgage backed securities 2,593 2,440 Total $ 11,850 $ 10,358
Debt Securities, Available-for-Sale and Held-to-maturity, Unrealized Loss Position, Fair Value [Table Text Block]	Less Than Twelve Months More Than Twelve Months Gross Gross Unrealized Fair Unrealized Fair Losses Value Losses Value (in thousands) At December 31, 2023 Debt Securities Available for Sale U.S. Government treasury and agency securities $ - $ - $ (1,234 ) $ 45,258 Municipal securities (2 ) 386 (2,149 ) 19,722 U.S. agency mortgage-backed securities - - (7,013 ) 54,987 Asset-backed securities - - (74 ) 2,950 Total $ (2 ) $ 386 $ (10,470 ) $ 122,917 Debt Securities Held to Maturity Municipal securities $ - $ - $ (1,378 ) $ 6,884 U.S. agency mortgage-backed securities - - (153 ) 2,440 Total $ - $ - $ (1,531 ) $ 9,324 At December 31, 2022 Debt Securities Available for Sale U.S. Government treasury and agency securities $ (1,384 ) $ 40,926 $ (835 ) $ 4,979 Municipal securities (999 ) 11,436 (1,875 ) 8,028 U.S. agency mortgage-backed securities (3,246 ) 36,939 (4,885 ) 23,563 Asset-backed securities (102 ) 2,461 (35 ) 1,104 Total $ (5,731 ) $ 91,762 $ (7,630 ) $ 37,674 Debt Securities Held to Maturity Municipal securities $ (1,695 ) $ 7,520 $ - $ - U.S. agency mortgage-backed securities (193 ) 2,397 - - Total $ (1,888 ) $ 9,917 $ - $ -

Note 3 - Loans (Tables)

Note 3 - Loans (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Portfolio of Loans [Table Text Block]	At December 31, (in thousands) 2023 2022 Real estate mortgage loans: Commercial $ 223,795 $ 202,263 Residential and home equity 254,574 224,211 Construction 81,640 75,151 Total real estate mortgage loans 560,009 501,625 Commercial loans 85,983 86,308 Consumer and other loans 5,936 7,698 Total loans 651,928 595,631 Add (Deduct): Net deferred loan (fees) costs (192 ) 229 Allowance for credit losses (5,609 ) (7,145 ) Loans, net $ 646,127 $ 588,715
Financing Receivable Credit Quality Indicators [Table Text Block]	Term Loans by Origination Year (in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial Real Estate Loans Pass $ 27,756 $ 62,149 $ 32,799 $ 42,079 $ 12,492 $ 38,271 $ 6,482 $ 222,028 Special mention - - - - - 1,767 - 1,767 Substandard - - - - - - - - Total commercial real estate loans $ 27,756 $ 62,149 $ 32,799 $ 42,079 $ 12,492 $ 40,038 $ 6,482 $ 223,795 Year-to-date gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Residential and Home Equity Loans Pass $ 43,809 $ 51,060 $ 56,802 $ 29,979 $ 11,717 $ 28,188 $ 29,794 $ 251,349 Special mention - - 1,391 278 - 203 357 2,229 Substandard - - 585 367 - - 44 996 Total residential loans $ 43,809 $ 51,060 $ 58,778 $ 30,624 $ 11,717 $ 28,391 $ 30,195 $ 254,574 Year-to-date gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ - Construction Loans Pass $ 33,713 $ 18,797 $ 16,717 $ 1,425 $ 1,611 $ 1,837 $ 6,958 $ 81,058 Special mention - - - - - - - - Substandard - 198 - 384 - - - 582 Total construction loans $ 33,713 $ 18,995 $ 16,717 $ 1,809 $ 1,611 $ 1,837 $ 6,958 $ 81,640 Year-to-date gross charge-offs $ - $ - $ - $ 386 $ - $ - $ - $ 386 Commercial Loans Pass $ 12,024 $ 12,130 $ 7,247 $ 3,543 $ 4,823 $ 5,250 $ 40,064 $ 85,081 Special mention 24 - - 45 - 32 - 101 Substandard - - - 36 - - 765 801 Total commercial loans $ 12,048 $ 12,130 $ 7,247 $ 3,624 $ 4,823 $ 5,282 $ 40,829 $ 85,983 Year-to-date gross charge-offs $ - $ - $ - $ - $ - $ 1 $ - $ 1 Consumer & Other Loans Pass $ 1,317 $ 688 $ 275 $ 122 $ 348 $ 176 $ 3,010 $ 5,936 Special mention - - - - - - - - Substandard - - - - - - - - Total consumer & other loans $ 1,317 $ 688 $ 275 $ 122 $ 348 $ 176 $ 3,010 $ 5,936 Year-to-date gross charge-offs $ 46 $ - $ - $ - $ - $ - $ - $ 46 Real Estate Mortgage Loans Residential Consumer and Home Commercial and Other (in thousands) Commercial Equity Construction Loans Loans Total At December 31, 2022 Grade: Pass $ 200,192 $ 221,552 $ 74,516 $ 85,874 $ 7,696 $ 589,830 Special mention 1,794 2,616 635 368 2 5,415 Substandard 277 43 - 66 - 386 Doubtful - - - - - - Loss - - - - - - Total $ 202,263 $ 224,211 $ 75,151 $ 86,308 $ 7,698 $ 595,631
Financing Receivable, Past Due [Table Text Block]	Accruing Loans Greater Than 30-59 Days 60-89 Days 90 Days Total Past Nonaccrual Total (in thousands) Past Due Past Due Past Due Due Current Loans Loans At December 31, 2023: Real estate mortgage loans: Commercial $ 57 $ - $ - $ 57 $ 223,738 $ - $ 223,795 Residential and home equity 3,792 492 1,110 5,394 248,227 953 254,574 Construction 648 - - 648 80,410 582 81,640 Commercial loans 18 318 - 336 84,847 800 85,983 Consumer and other loans 28 - - 28 5,908 - 5,936 Total $ 4,543 $ 810 $ 1,110 $ 6,463 $ 643,130 $ 2,335 $ 651,928 At December 31, 2022: Real estate mortgage loans: Commercial $ - $ - $ - $ - $ 201,986 $ 277 $ 202,263 Residential and home equity 1,383 413 349 2,145 222,066 - 224,211 Construction 651 - 55 706 74,445 - 75,151 Commercial loans 293 160 - 453 85,789 66 86,308 Consumer and other loans - - - - 7,698 - 7,698 Total $ 2,327 $ 573 $ 404 $ 3,304 $ 591,984 $ 343 $ 595,631
Financing Receivable, Nonaccrual [Table Text Block]	(in thousands) Total Nonaccrual Loans Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ Days Still Accruing At December 31, 2023 Residential and home equity $ 953 $ 953 $ - $ 1,110 Construction 582 582 - - Commercial 800 36 764 - Total $ 2,335 $ 1,571 $ 764 $ 1,110
Impaired Financing Receivables [Table Text Block]	With No Related Allowance Recorded With an Allowance Recorded Total Unpaid Unpaid Unpaid Contractual Contractual Contractual Recorded Principal Recorded Principal Related Recorded Principal Related (in thousands) Investment Balance Investment Balance Allowance Investment Balance Allowance At December 31, 2022 Commercial real estate $ 277 $ 277 $ - $ - $ - $ 277 $ 277 $ - Commercial - - 66 66 14 66 66 14 Consumer and other loans 2 2 - - - 2 2 - Total $ 279 $ 279 $ 66 $ 66 $ 14 $ 345 $ 345 $ 14

Note 4 - Allowance for Credit_2

Note 4 - Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Real Estate Mortgage Loans (in thousands) Commercial Residential and Home Equity Construction Commercial Loans Consumer and Other Loans Total Year Ended December 31, 2023 Beginning balance $ 2,303 $ 2,607 $ 922 $ 1,223 $ 90 $ 7,145 Impact of adopting ASC 326 (740 ) (892 ) (403 ) (504 ) (67 ) (2,606 ) Credit loss expense 150 319 424 510 47 1,450 Charge-offs - - (386 ) (1 ) (46 ) (433 ) Recoveries - - 2 44 7 53 Ending balance $ 1,713 $ 2,034 $ 559 $ 1,272 $ 31 $ 5,609 Year Ended December 31, 2022 Beginning balance $ 1,762 $ 2,139 $ 857 $ 1,125 $ 91 $ 5,974 Provision (credit) for loan losses 541 468 65 (201 ) 17 890 Net recoveries (charge-offs) - - - 299 (18 ) 281 Ending balance $ 2,303 $ 2,607 $ 922 $ 1,223 $ 90 $ 7,145

Note 5 - Premises and Equipme_2

Note 5 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Property, Plant and Equipment [Table Text Block]	At December 31, (in thousands) 2023 2022 Land $ 1,704 $ 1,704 Buildings 5,111 5,089 Leasehold improvements 1,584 1,584 Furniture, fixtures and equipment 2,438 2,360 Computer and software 3,720 3,642 Total, at cost 14,557 14,379 Less accumulated depreciation and amortization (7,081 ) (6,357 ) Premises and equipment, net $ 7,476 $ 8,022
Lease, Cost [Table Text Block]	Years ended December 31, (in thousands) 2023 2022 Operating lease cost $ 319 $ 319 Cash paid for amount included in the measurement of operating lease liability operating cash flows from operating lease $ 294 $ 294 At December 31, (dollars in thousands) 2023 2022 Operating lease right of use asset $ 2,823 $ 3,044 Operating lease liability 3,013 3,208 Remaining lease term - (in years) 10.6 11.6 Weighted average discount rate 3.17 % 3.17 %
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	(in thousands) At December 31, 2023 2024 $ 306 2025 323 2026 323 2027 323 2028 323 Thereafter 1,998 Total future minimum lease payments 3,596 Less interest (583 ) Total $ 3,013

Note 6 - Deposits (Tables)

Note 6 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Time Deposit Maturities [Table Text Block]	(in thousands) Year Ending December 31, Amount 2024 $ 58,991 2025 22,047 2026 899 2027 69 Thereafter 430 Total $ 82,436

Note 7 - Federal Home Loan Ba_2

Note 7 - Federal Home Loan Bank Advances and Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Federal Home Loan Bank, Advances [Table Text Block]	(dollars in thousands) Maturity Year Interest Rate Amount 2024 4.48% - 4.83 % $ 10,000 2025 4.18 % 5,000 $ 15,000

Note 8 - Income Taxes (Tables)

Note 8 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Year Ended December 31, (in thousands) 2023 2022 Current: Federal $ 2,434 $ 2,699 State 696 685 Total current 3,130 3,384 Deferred: Federal (305 ) (257 ) State (85 ) (71 ) Total deferred (390 ) (328 ) Total income taxes $ 2,740 $ 3,056

Note 9 - Income Taxes, Contin_2

Note 9 - Income Taxes, Continued (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Year Ended December 31, 2023 2022 % of % of Pretax Pretax Amount Earnings Amount Earnings (dollars in thousands) Income taxes at statutory rate $ 2,404 21.0 % $ 2,675 21.0 % Increase (decrease) resulting from: State taxes, net of federal tax benefit 483 4.2 485 3.8 Tax-exempt income (158 ) (1.4 ) (105 ) (0.8 ) Other nondeductible expenses 11 0.1 1 - Total $ 2,740 23.9 % $ 3,056 24.0 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	At December 31, 2023 2022 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,422 $ 1,827 Organizational and start-up costs - 2 Stock-based compensation 164 132 Deferred compensation 262 201 Unrealized losses on debt securities available for sale 2,652 3,386 Operating lease liability 764 813 Other 12 13 Deferred tax assets 5,276 6,374 Deferred tax liabilities: Prepaid Expenses (143 ) (144 ) Deferred loan costs (682 ) (688 ) Premises and equipment (206 ) (238 ) Right of use lease asset (716 ) (771 ) Deferred tax liabilities (1,747 ) (1,841 ) Net deferred tax asset $ 3,529 $ 4,533

Note 10 - Off-balance Sheet F_2

Note 10 - Off-balance Sheet Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]	(in thousands) At December 31, 2023 Commitments to extend credit $ 2,194 Construction loans in process 46,882 Unused lines of credit 85,150 Standby financial letters of credit 2,136 Standby performance letters of credit 89 Guaranteed accounts 1,276 Total off-balance sheet instruments $ 137,727

Note 11 - Stock Compensation _2

Note 11 - Stock Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Share-Based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	Year ended December 31, 2022 Weighted average risk-free interest rate 2.91 % Expected dividend yield 0.71 % Expected stock volatility 33.18 % Expected life in years 6.5 Per share fair value of options issued during year $ 9.10
Nonvested Restricted Stock Shares Activity [Table Text Block]	Wtd-Avg Grant-Date Number of Fair Value Grant-Date Fair Shares per Share Value Non-vested restricted stock outstanding at December 31, 2021 7,838 $ 18.88 $ 149,000 Non-vested restricted stock granted 10,203 $ 27.85 284,000 Restricted stock shares vested in 2022 (3,838 ) (18.98 ) (73,000 ) Non-vested restricted stock outstanding at December 31, 2022 14,203 $ 25.30 $ 359,000 Non-vested restricted stock granted 75,751 $ 22.68 $ 1,718,000 Forfeited (6,278 ) $ 23.42 $ (147,000 ) Restricted stock shares vested in 2023 (6,040 ) (24.06 ) (145,000 ) Non-vested restricted stock outstanding at December 31, 2023 77,636 $ 22.99 $ 1,785,000
The 2015 Stock Incentive Compensation Plan [Member]
Notes Tables
Share-Based Payment Arrangement, Option, Activity [Table Text Block]	Weighted- Weighted- Average Average Remaining Aggregate Number of Exercise Contractual Intrinsic Options Price Term Value Outstanding at December 31, 2021 268,657 $ 20.23 Options granted 3,500 25.37 Options exercised (20,240 ) (18.35 ) Options forfeited (550 ) 20.09 Outstanding at December 31, 2022 251,367 19.99 Options exercised (19,217 ) (20.09 ) Options forfeited (10,050 ) (28.40 ) Outstanding at December 31, 2023 222,100 $ 20.33 2.5 $ 740,000 Exercisable at December 31, 2023 212,900 $ 20.18 2.4 $ 727,000

Note 13 - Related Party Trans_2

Note 13 - Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Related Party Transactions [Table Text Block]	Year Ended December 31, (in thousands) 2023 2022 Loans: Beginning balance $ 7,224 $ 8,468 Originated during the year 1,694 544 Principal repayments (1,946 ) (1,788 ) Ending balance $ 6,972 $ 7,224 Deposits at year-end $ 14,690 $ 5,970

Note 14 - Fair Value of Finan_2

Note 14 - Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	At December 31, 2023 At December 31, 2022 Carrying Fair Carrying Fair (in thousands) Level Amount Value Amount Value Financial assets: Cash and cash equivalents 1 $ 28,416 $ 28,416 $ 39,788 $ 39,788 Debt securities available for sale 2 124,475 124,475 129,436 129,436 Debt securities held to maturity 2 11,850 10,358 11,805 9,917 Loans held for sale 3 5,288 5,371 7,058 7,170 Loans, net 3 646,127 557,847 588,715 548,166 Federal Home Loan Bank stock 3 1,283 1,283 463 463 Accrued interest receivable 3 3,114 3,114 2,385 2,385 Bank owned life insurance 3 16,921 16,921 16,532 16,532 Derivative contract assets 2 2,253 2,253 2,352 2,352 Financial liabilities: Deposits 3 748,688 749,411 731,535 731,506 Other borrowings 3 - - 4,275 4,275 FHLB advances 3 15,000 14,848 - - Derivative contract liabilities 2 2,253 2,253 2,352 2,352 Off-Balance Sheet financial instruments 3 - - - -

Note 16 - Regulatory Matters (T

Note 16 - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual For Capital Adequacy Purposes For Well Capitalized Purposes (dollars in thousands) Amount Percentage Amount Percentage Amount Percentage As of December 31, 2023 Tier 1 Leverage ratio to Average Assets $ 86,576 10.15 % $ 34,133 4.00 % $ 42,666 5.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 86,576 13.18 29,566 4.50 42,706 6.50 Tier 1 Capital to Risk-Weighted Assets 86,576 13.18 39,421 6.00 52,561 8.00 Total Capital to Risk-Weighted Assets 92,185 14.03 52,561 8.00 65,702 10.00 As of December 31, 2022: Tier 1 Leverage ratio to Average Assets $ 81,100 9.70 % $ 33,461 4.00 % $ 41,826 5.00 % Common Equity Tier 1 Capital to Risk-Weighted Assets 81,100 12.90 28,290 4.50 40,863 6.50 Tier 1 Capital to Risk-Weighted Assets 81,100 12.90 37,720 6.00 50,294 8.00 Total Capital to Risk-Weighted Assets 88,245 14.04 50,294 8.00 62,867 10.00

Note 18 - Earnings Per Share (T

Note 18 - Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	2023 2022 Weighted- Per Weighted- Per Average Share Average Share (dollars in thousands, except per share amounts) Earnings Shares Amount Earnings Shares Amount Year Ended December 31, Basic EPS: Net earnings $ 8,708 3,209,924 $ 2.71 $ 9,681 3,154,866 $ 3.07 Effect of dilutive securities-incremental shares from assumed conversion of options 41,156 38,908 Diluted EPS: Net earnings $ 8,708 3,251,080 $ 2.68 $ 9,681 3,193,774 $ 3.03

Note 19 - Derivatives (Tables)

Note 19 - Derivatives (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Schedule of Derivative Instruments [Table Text Block]	At December 31, 2023 2022 dollars in thousands Notional amount - interest rate swaps: Stand-alone derivatives $ 19,548 $ 20,084 Weighted-average pay rate - interest rate swaps 3.68 % 3.68 % Weighted-average receive rate - interest rate swaps 3.00 % 3.00 % Weighted-average maturity (in years) - interest rate swaps 11.6 12.6 Net realized fair value adjustments: Stand-alone derivatives - interest rate swaps (other assets) $ 2,253 $ 2,352 Stand-alone derivatives - interest rate swaps (other liabilities) $ (2,253 ) $ (2,352 )

Note 20 - Parent Company Only_2

Note 20 - Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2023
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets December 31, 2023 2022 (in thousands) Assets Cash $ 1,178 $ 204 Investment in subsidiary 78,763 71,125 Other assets 35 30 Total assets $ 79,976 $ 71,359 Liabilities and Stockholders' Equity Liabilities: Other borrowings $ - $ 4,275 Accrued interest - 31 Total liabilities - 4,306 Stockholders' equity 79,976 67,053 Total liabilities and stockholders' equity $ 79,976 $ 71,359
Condensed Income Statement [Table Text Block]	Condensed Statements of Earnings Year Ended December 31, 2023 2022 (in thousands) Revenues $ - $ - Expenses (698 ) (756 ) Income tax benefit 177 192 Loss before earnings of subsidiary (521 ) (564 ) Net earnings of subsidiary 9,229 10,245 Net earnings $ 8,708 $ 9,681
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Year Ended December 31, (in thousands) 2023 2022 Cash flows from operating activities: Net Earnings $ 8,708 $ 9,681 Adjustments to reconcile net earnings to net cash used in operating activities: Equity in earnings of subsidiary (9,229 ) (10,245 ) Stock issued as compensation 163 131 Net change in other assets (5 ) (3 ) (Decrease) increase in accrued interest (31 ) 21 Net cash used in operating activities (394 ) (415 ) Cash flows from investment activities- Cash dividend received from bank subsidiary 6,000 - Cash flows from financing activities: Net change in other borrowings (4,275 ) 700 Cash dividend paid (698 ) (567 ) Proceeds from stock options exercised 341 372 Net cash (used in) provided by financing activities (4,632 ) 505 Net increase in cash 974 90 Cash at beginning of the year 204 114 Cash at end of year $ 1,178 $ 204 Supplemental disclosure of cash flow information- Noncash items: Net change in accumulated other comprehensive loss of subsidiary, net change in unrealized loss on debt securities available for sale, net of taxes $ 2,162 $ (9,902 ) Stock-based compensation expense of subsidiary $ 301 $ 307

Note 1 - Summary of Significa_3

Note 1 - Summary of Significant Accounting Policies (Details Textual)	12 Months Ended
	Dec. 31, 2023 USD ($)	Jan. 01, 2023 USD ($)	Dec. 31, 2022 USD ($)
Subsidiary, Ownership Percentage By Parent	100%
Number of Banking Offices	4
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	$ 5,288,000		$ 7,058,000
Debt Securities, Held-to-Maturity, Nonaccrual	0
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss	69,000
Financing Receivable, Allowance for Credit Loss	5,609,000		7,145,000
Retained Earnings (Accumulated Deficit)	47,234,000		$ 37,278,000
Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss		$ 7,145,000
Retained Earnings (Accumulated Deficit)		0
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss		(2,606,000)
Retained Earnings (Accumulated Deficit)		1,946,000
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss		4,539,000
Retained Earnings (Accumulated Deficit)		$ 0
Unfunded Loan Commitment [Member]
Off-Balance-Sheet, Credit Loss, Liability	0
Accrued Income Receivable [Member]
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss	523,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss	$ 2,522,000

Note 1 - Summary of Significa_4

Note 1 - Summary of Significant Accounting Policies - Impact of Adoption of Accounting Policy (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Jan. 01, 2023	Dec. 31, 2022
Allowance for credit losses on loans	$ 5,609		$ 7,145
Deferred tax asset	3,529		4,533
Retained earnings (impact of adopting ASC 326, net of taxes)	$ 47,234		$ 37,278
Accounting Standards Update 2016-13 [Member]
Allowance for credit losses on loans		$ 7,145
Deferred tax asset		0
Retained earnings (impact of adopting ASC 326, net of taxes)		0
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Allowance for credit losses on loans		4,539
Deferred tax asset		0
Retained earnings (impact of adopting ASC 326, net of taxes)		0
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Allowance for credit losses on loans		(2,606)
Deferred tax asset		660
Retained earnings (impact of adopting ASC 326, net of taxes)		$ 1,946

Note 2 - Debt Securities (Detai

Note 2 - Debt Securities (Details Textual)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Proceeds from Sale of Debt Securities, Available-for-Sale	$ 0	$ 0
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	103	106
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 0
Debt Securities, Held-to-Maturity, Nonaccrual	0
Debt Securities, Held-to-Maturity, Allowance for Credit Loss	0
Debt Securities, Available-for-Sale, Nonaccrual	0
Asset Pledged as Collateral [Member] | Deposits [Member]
Debt Securities, Available-for-Sale, Restricted	$ 16,410,000	$ 13,284,000

Note 2 - Debt Securities - Summ

Note 2 - Debt Securities - Summary of Carrying Amount and Fair Values of Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized Cost, AFS	$ 134,940	$ 142,797
Gross Unrealized Gains, available for sale	7	0
Gross Unrealized Losses, available for sale	(10,472)	(13,361)
Debt securities available for sale	124,475	129,436
Amortized Cost, held to maturity	11,850	11,805
Gross Unrealized Gains, held to maturity	39	0
Gross Unrealized Losses, held to maturity	(1,531)	(1,888)
Debt securities held to maturity, fair value	10,358	9,917
US Treasury and Government [Member]
Amortized Cost, AFS	46,492	48,124
Gross Unrealized Gains, available for sale	0	0
Gross Unrealized Losses, available for sale	(1,234)	(2,219)
Debt securities available for sale	45,258	45,905
US States and Political Subdivisions Debt Securities [Member]
Amortized Cost, AFS	22,259	22,338
Gross Unrealized Gains, available for sale	0	0
Gross Unrealized Losses, available for sale	(2,151)	(2,874)
Debt securities available for sale	20,108	19,464
Amortized Cost, held to maturity	9,257	9,215
Gross Unrealized Gains, held to maturity	39	0
Gross Unrealized Losses, held to maturity	(1,378)
Debt securities held to maturity, fair value	7,918
Collateralized Mortgage-Backed Securities [Member]
Amortized Cost, AFS	63,165	68,633
Gross Unrealized Gains, available for sale	7	0
Gross Unrealized Losses, available for sale	(7,013)	(8,131)
Debt securities available for sale	56,159	60,502
Amortized Cost, held to maturity	2,593	2,590
Gross Unrealized Gains, held to maturity	0	0
Gross Unrealized Losses, held to maturity	(153)	(1,695)
Debt securities held to maturity, fair value	2,440	7,520
Asset-Backed Securities [Member]
Amortized Cost, AFS	3,024	3,702
Gross Unrealized Gains, available for sale	0	0
Gross Unrealized Losses, available for sale	(74)	(137)
Debt securities available for sale	$ 2,950	3,565
Gross Unrealized Losses, held to maturity		(193)
Debt securities held to maturity, fair value		$ 2,397

Note 2 - Debt Securities - Secu

Note 2 - Debt Securities - Securities Available for Sale Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt securities available for sale	$ 124,475	$ 129,436
US Treasury and Government [Member]
Debt securities available for sale	45,258	45,905
US States and Political Subdivisions Debt Securities [Member]
Debt securities available for sale	20,108	19,464
Collateralized Mortgage-Backed Securities [Member]
Debt securities available for sale	56,159	60,502
Asset-Backed Securities [Member]
Debt securities available for sale	2,950	3,565
Fair Value, Recurring [Member]
Debt securities available for sale	124,475	129,436
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	124,475	129,436
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | US Treasury and Government [Member]
Debt securities available for sale	45,258	45,905
Fair Value, Recurring [Member] | US Treasury and Government [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | US Treasury and Government [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	45,258	45,905
Fair Value, Recurring [Member] | US Treasury and Government [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Debt securities available for sale	20,108	19,464
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	20,108	19,464
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member]
Debt securities available for sale	56,159	60,502
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	56,159	60,502
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | Asset-Backed Securities [Member]
Debt securities available for sale	2,950	3,565
Fair Value, Recurring [Member] | Asset-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale	0	0
Fair Value, Recurring [Member] | Asset-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	2,950	3,565
Fair Value, Recurring [Member] | Asset-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale	$ 0	$ 0

Note 2 - Debt Securities - Sche

Note 2 - Debt Securities - Scheduled Maturities of Securities with Fair Value and Amortized Cost (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Due in less than one year, amortized cost	$ 35,373
Due in less than one year, fair value	34,951
Due in one to five years, amortized cost	17,831
Due in one to five years, fair value	16,732
Due in five to ten years, amortized cost	13,236
Due in five to ten years, fair value	11,692
Due after ten years, amortized cost	5,335
Due after ten years, fair value	4,941
Mortgage-backed securities, amortized cost	63,165
Mortgage-backed securities, fair value	56,159
Total, amortized cost, AFS	134,940	$ 142,797
Total, fair value, AFS	124,475	129,436
Due in five to ten years, held-to-maturity	2,050
Due in five to ten years, fair value, held-to-maturity	1,956
Due after ten years, held-to-maturity	7,207
Due after ten years, fair value, held-to-maturity	5,962
Mortgage backed securities, amortized cost, HTM	2,593
Mortgage backed securities, fair value, HTM	2,440
Total, amortized cost, HTM	11,850	$ 11,805
Total, fair value, HTM	$ 10,358

Note 2 - Debt Securities - Su_2

Note 2 - Debt Securities - Summary of Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Gross Unrealized Losses, Less Than Twelve Months, AFS	$ (2)	$ (5,731)
Fair Value, Less Than Twelve Months, AFS	386	91,762
Gross Unrealized Losses, Over Twelve Months, AFS	(10,470)	(7,630)
Fair Value, Over Twelve Months, AFS	122,917	37,674
Gross Unrealized Losses, Less Than Twelve Months, Held-to-maturity	0	(1,888)
Fair Value, Less Than Twelve Months, held-to-maturity	0	9,917
Gross Unrealized Losses, Over Twelve Months, held-to-maturity	(1,531)	0
Fair Value, Over Twelve Months, Held-to-maturity	9,324	0
US Treasury and Government [Member]
Gross Unrealized Losses, Less Than Twelve Months, AFS	0	(1,384)
Fair Value, Less Than Twelve Months, AFS	0	40,926
Gross Unrealized Losses, Over Twelve Months, AFS	(1,234)	(835)
Fair Value, Over Twelve Months, AFS	45,258	4,979
US States and Political Subdivisions Debt Securities [Member]
Gross Unrealized Losses, Less Than Twelve Months, AFS	(2)	(999)
Fair Value, Less Than Twelve Months, AFS	386	11,436
Gross Unrealized Losses, Over Twelve Months, AFS	(2,149)	(1,875)
Fair Value, Over Twelve Months, AFS	19,722	8,028
Gross Unrealized Losses, Less Than Twelve Months, Held-to-maturity	0	(1,695)
Fair Value, Less Than Twelve Months, held-to-maturity	0	7,520
Gross Unrealized Losses, Over Twelve Months, held-to-maturity	(1,378)	0
Fair Value, Over Twelve Months, Held-to-maturity	6,884	0
Collateralized Mortgage-Backed Securities [Member]
Gross Unrealized Losses, Less Than Twelve Months, AFS	0	(3,246)
Fair Value, Less Than Twelve Months, AFS	0	36,939
Gross Unrealized Losses, Over Twelve Months, AFS	(7,013)	(4,885)
Fair Value, Over Twelve Months, AFS	54,987	23,563
Gross Unrealized Losses, Less Than Twelve Months, Held-to-maturity	0	(193)
Fair Value, Less Than Twelve Months, held-to-maturity	0	2,397
Gross Unrealized Losses, Over Twelve Months, held-to-maturity	(153)	0
Fair Value, Over Twelve Months, Held-to-maturity	2,440	0
Asset-Backed Securities [Member]
Gross Unrealized Losses, Less Than Twelve Months, AFS	0	(102)
Fair Value, Less Than Twelve Months, AFS	0	2,461
Gross Unrealized Losses, Over Twelve Months, AFS	(74)	(35)
Fair Value, Over Twelve Months, AFS	$ 2,950	$ 1,104

Note 3 - Loans (Details Textual

Note 3 - Loans (Details Textual) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022
Number of Portfolio Classes	5
Impairment Valuation Loan Limit	$ 1
Financing Receivable, Modifications, Number of Contracts 1	0	0
Minimum [Member] | Loans Receivable [Member]
Loan Maturity Period (Year)	1 year
Maximum [Member] | Loans Receivable [Member]
Loan Maturity Period (Year)	10 years
Real Estate Mortgage Loans [Member]
Number of Portfolio Classes	3
Commercial Real Estate Portfolio Segment [Member]
Period of Fixed Interest Rate (Year)	5 years
Commercial Real Estate Portfolio Segment [Member] | Minimum [Member]
Loan Maturity Period (Year)	3 years
Commercial Real Estate Portfolio Segment [Member] | Maximum [Member]
Loan Maturity Period (Year)	5 years
Residential Portfolio Segment [Member] | Period 2 [Member]
Period of Fixed Interest Rate (Year)	30 years
Period of Adjustment of Interest Rate (Year)	3 years
Residential Portfolio Segment [Member] | Period 3 [Member]
Period of Adjustment of Interest Rate (Year)	5 years
Residential Portfolio Segment [Member] | Period 4 [Member]
Period of Adjustment of Interest Rate (Year)	7 years
Residential Portfolio Segment [Member] | Period 1 [Member]
Period of Fixed Interest Rate (Year)	15 years
Real Estate Construction Loan [Member] | Minimum [Member]
Loan Maturity Period (Year)	1 year
Real Estate Construction Loan [Member] | Maximum [Member]
Loan Maturity Period (Year)	2 years
Commercial Portfolio Segment [Member] | Maximum [Member] | Equipment Loans [Member]
Loan Maturity Period (Year)	5 years

Note 3 - Loans - Composition of

Note 3 - Loans - Composition of Company's Loan Portfolio, Excluding Loans Held for Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Total loans	$ 651,928	$ 595,631
Net deferred loan (fees) costs	(192)	229
Allowance for credit losses	(5,609)	(7,145)
Loans, net	646,127	588,715
Mortgage Receivable [Member]
Total loans	560,009	501,625
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
Total loans	223,795	202,263
Allowance for credit losses	(1,713)	(2,303)	$ (1,762)
Mortgage Receivable [Member] | Residential Portfolio Segment [Member]
Total loans	254,574	224,211
Allowance for credit losses	(2,034)	(2,607)	(2,139)
Mortgage Receivable [Member] | Real Estate Construction Loan [Member]
Total loans	81,640	75,151
Allowance for credit losses	(559)	(922)	(857)
Loans and Finance Receivables [Member]
Total loans		595,631
Allowance for credit losses	(5,609)	(7,145)	(5,974)
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member]
Total loans	85,983	86,308
Allowance for credit losses	(1,272)	(1,223)	(1,125)
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member]
Total loans	5,936	7,698
Allowance for credit losses	$ (31)	$ (90)	$ (91)

Note 3 - Loans - Summary of Loa

Note 3 - Loans - Summary of Loan Credit Quality (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing receivable, originated	$ 651,928	$ 595,631
Mortgage Receivable [Member]
Financing receivable, originated	560,009	501,625
Loans and Finance Receivables [Member]
Financing receivable, originated		595,631
Current period gross writeoffs, originated	433
Pass [Member]
Financing receivable, originated		589,830
Special Mention [Member]
Financing receivable, originated		5,415
Substandard [Member]
Financing receivable, originated		386
Doubtful [Member]
Financing receivable, originated		0
Unlikely to be Collected Financing Receivable [Member]
Financing receivable, originated		0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	27,756
Financing receivable, originated in fiscal year before latest fiscal year	62,149
Financing receivable, originated two fiscal years before latest fiscal year	32,799
Financing receivable, originated three fiscal years before latest fiscal year	42,079
Financing receivable, originated four fiscal years before latest fiscal year	12,492
Financing receivable, originated five and prior fiscal years before latest fiscal year	40,038
Financing receivable, originated, revolving	6,482
Financing receivable, originated	223,795	202,263
Year-to-date gross charge-offs	0
Fiscal year before current fiscal year period gross writeoffs	0
Second fiscal year before current fiscal year period gross writeoffs	0
Third fiscal year before current fiscal year period gross writeoffs	0
Fourth fiscal year before current fiscal year period gross writeoffs	0
Fifth and prior fiscal year before current fiscal year period gross writeoffs	0
Current period gross writeoffs, revolving	0
Current period gross writeoffs, originated	0
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	27,756
Financing receivable, originated in fiscal year before latest fiscal year	62,149
Financing receivable, originated two fiscal years before latest fiscal year	32,799
Financing receivable, originated three fiscal years before latest fiscal year	42,079
Financing receivable, originated four fiscal years before latest fiscal year	12,492
Financing receivable, originated five and prior fiscal years before latest fiscal year	38,271
Financing receivable, originated, revolving	6,482
Financing receivable, originated	222,028	200,192
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	0
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	1,767
Financing receivable, originated, revolving	0
Financing receivable, originated	1,767	1,794
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	0
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	0
Financing receivable, originated	0	277
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Mortgage Receivable [Member]
Financing receivable, originated		0
Commercial Real Estate Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Mortgage Receivable [Member]
Financing receivable, originated		0
Residential Portfolio Segment [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	43,809
Financing receivable, originated in fiscal year before latest fiscal year	51,060
Financing receivable, originated two fiscal years before latest fiscal year	58,778
Financing receivable, originated three fiscal years before latest fiscal year	30,624
Financing receivable, originated four fiscal years before latest fiscal year	11,717
Financing receivable, originated five and prior fiscal years before latest fiscal year	28,391
Financing receivable, originated, revolving	30,195
Financing receivable, originated	254,574	224,211
Year-to-date gross charge-offs	0
Fiscal year before current fiscal year period gross writeoffs	0
Second fiscal year before current fiscal year period gross writeoffs	0
Third fiscal year before current fiscal year period gross writeoffs	0
Fourth fiscal year before current fiscal year period gross writeoffs	0
Fifth and prior fiscal year before current fiscal year period gross writeoffs	0
Current period gross writeoffs, revolving	0
Current period gross writeoffs, originated	0
Residential Portfolio Segment [Member] | Pass [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	43,809
Financing receivable, originated in fiscal year before latest fiscal year	51,060
Financing receivable, originated two fiscal years before latest fiscal year	56,802
Financing receivable, originated three fiscal years before latest fiscal year	29,979
Financing receivable, originated four fiscal years before latest fiscal year	11,717
Financing receivable, originated five and prior fiscal years before latest fiscal year	28,188
Financing receivable, originated, revolving	29,794
Financing receivable, originated	251,349	221,552
Residential Portfolio Segment [Member] | Special Mention [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	1,391
Financing receivable, originated three fiscal years before latest fiscal year	278
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	203
Financing receivable, originated, revolving	357
Financing receivable, originated	2,229	2,616
Residential Portfolio Segment [Member] | Substandard [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	585
Financing receivable, originated three fiscal years before latest fiscal year	367
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	44
Financing receivable, originated	996	43
Residential Portfolio Segment [Member] | Doubtful [Member] | Mortgage Receivable [Member]
Financing receivable, originated		0
Residential Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Mortgage Receivable [Member]
Financing receivable, originated		0
Real Estate Construction Loan [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	33,713
Financing receivable, originated in fiscal year before latest fiscal year	18,995
Financing receivable, originated two fiscal years before latest fiscal year	16,717
Financing receivable, originated three fiscal years before latest fiscal year	1,809
Financing receivable, originated four fiscal years before latest fiscal year	1,611
Financing receivable, originated five and prior fiscal years before latest fiscal year	1,837
Financing receivable, originated, revolving	6,958
Financing receivable, originated	81,640	75,151
Year-to-date gross charge-offs	0
Fiscal year before current fiscal year period gross writeoffs	0
Second fiscal year before current fiscal year period gross writeoffs	0
Third fiscal year before current fiscal year period gross writeoffs	386
Fourth fiscal year before current fiscal year period gross writeoffs	0
Fifth and prior fiscal year before current fiscal year period gross writeoffs	0
Current period gross writeoffs, revolving	0
Current period gross writeoffs, originated	386
Real Estate Construction Loan [Member] | Pass [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	33,713
Financing receivable, originated in fiscal year before latest fiscal year	18,797
Financing receivable, originated two fiscal years before latest fiscal year	16,717
Financing receivable, originated three fiscal years before latest fiscal year	1,425
Financing receivable, originated four fiscal years before latest fiscal year	1,611
Financing receivable, originated five and prior fiscal years before latest fiscal year	1,837
Financing receivable, originated, revolving	6,958
Financing receivable, originated	81,058	74,516
Real Estate Construction Loan [Member] | Special Mention [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	0
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	0
Financing receivable, originated	0	635
Real Estate Construction Loan [Member] | Substandard [Member] | Mortgage Receivable [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	198
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	384
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	0
Financing receivable, originated	582	0
Real Estate Construction Loan [Member] | Doubtful [Member] | Mortgage Receivable [Member]
Financing receivable, originated		0
Real Estate Construction Loan [Member] | Unlikely to be Collected Financing Receivable [Member] | Mortgage Receivable [Member]
Financing receivable, originated		0
Commercial Portfolio Segment [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	12,048
Financing receivable, originated in fiscal year before latest fiscal year	12,130
Financing receivable, originated two fiscal years before latest fiscal year	7,247
Financing receivable, originated three fiscal years before latest fiscal year	3,624
Financing receivable, originated four fiscal years before latest fiscal year	4,823
Financing receivable, originated five and prior fiscal years before latest fiscal year	5,282
Financing receivable, originated, revolving	40,829
Financing receivable, originated	85,983	86,308
Year-to-date gross charge-offs	0
Fiscal year before current fiscal year period gross writeoffs	0
Second fiscal year before current fiscal year period gross writeoffs	0
Third fiscal year before current fiscal year period gross writeoffs	0
Fourth fiscal year before current fiscal year period gross writeoffs	0
Fifth and prior fiscal year before current fiscal year period gross writeoffs	1
Current period gross writeoffs, revolving	0
Current period gross writeoffs, originated	1
Commercial Portfolio Segment [Member] | Pass [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	12,024
Financing receivable, originated in fiscal year before latest fiscal year	12,130
Financing receivable, originated two fiscal years before latest fiscal year	7,247
Financing receivable, originated three fiscal years before latest fiscal year	3,543
Financing receivable, originated four fiscal years before latest fiscal year	4,823
Financing receivable, originated five and prior fiscal years before latest fiscal year	5,250
Financing receivable, originated, revolving	40,064
Financing receivable, originated	85,081	85,874
Commercial Portfolio Segment [Member] | Special Mention [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	24
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	45
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	32
Financing receivable, originated, revolving	0
Financing receivable, originated	101	368
Commercial Portfolio Segment [Member] | Substandard [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	36
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	765
Financing receivable, originated	801	66
Commercial Portfolio Segment [Member] | Doubtful [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated		0
Commercial Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated		0
Consumer Portfolio Segment [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	1,317
Financing receivable, originated in fiscal year before latest fiscal year	688
Financing receivable, originated two fiscal years before latest fiscal year	275
Financing receivable, originated three fiscal years before latest fiscal year	122
Financing receivable, originated four fiscal years before latest fiscal year	348
Financing receivable, originated five and prior fiscal years before latest fiscal year	176
Financing receivable, originated, revolving	3,010
Financing receivable, originated	5,936	7,698
Year-to-date gross charge-offs	46
Fiscal year before current fiscal year period gross writeoffs	0
Second fiscal year before current fiscal year period gross writeoffs	0
Third fiscal year before current fiscal year period gross writeoffs	0
Fourth fiscal year before current fiscal year period gross writeoffs	0
Fifth and prior fiscal year before current fiscal year period gross writeoffs	0
Current period gross writeoffs, revolving	0
Current period gross writeoffs, originated	46
Consumer Portfolio Segment [Member] | Pass [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	1,317
Financing receivable, originated in fiscal year before latest fiscal year	688
Financing receivable, originated two fiscal years before latest fiscal year	275
Financing receivable, originated three fiscal years before latest fiscal year	122
Financing receivable, originated four fiscal years before latest fiscal year	348
Financing receivable, originated five and prior fiscal years before latest fiscal year	176
Financing receivable, originated, revolving	3,010
Financing receivable, originated	5,936	7,696
Consumer Portfolio Segment [Member] | Special Mention [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	0
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	0
Financing receivable, originated	0	2
Consumer Portfolio Segment [Member] | Substandard [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated in current fiscal year	0
Financing receivable, originated in fiscal year before latest fiscal year	0
Financing receivable, originated two fiscal years before latest fiscal year	0
Financing receivable, originated three fiscal years before latest fiscal year	0
Financing receivable, originated four fiscal years before latest fiscal year	0
Financing receivable, originated five and prior fiscal years before latest fiscal year	0
Financing receivable, originated, revolving	0
Financing receivable, originated	$ 0	0
Consumer Portfolio Segment [Member] | Doubtful [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated		0
Consumer Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Loans and Finance Receivables [Member]
Financing receivable, originated		$ 0

Note 3 - Loans - Summary of Pas

Note 3 - Loans - Summary of Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing receivable, originated	$ 651,928	$ 595,631
Total nonaccrual loans	2,335
Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated	4,543
Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated	810
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated	1,110
Financial Asset, Past Due [Member]
Financing receivable, originated	6,463
Financial Asset, Not Past Due [Member]
Financing receivable, originated	643,130
Mortgage Receivable [Member]
Financing receivable, originated	560,009	501,625
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing receivable, originated	223,795	202,263
Total nonaccrual loans	0	277
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated	57	0
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated	0
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated	0
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Financing receivable, originated	57	0
Mortgage Receivable [Member] | Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Financing receivable, originated	223,738	201,986
Mortgage Receivable [Member] | Residential Portfolio Segment [Member]
Financing receivable, originated	254,574	224,211
Total nonaccrual loans	953	0
Mortgage Receivable [Member] | Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated	3,792	1,383
Mortgage Receivable [Member] | Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated	492	413
Mortgage Receivable [Member] | Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated	1,110	349
Mortgage Receivable [Member] | Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Financing receivable, originated	5,394	2,145
Mortgage Receivable [Member] | Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Financing receivable, originated	248,227	222,066
Mortgage Receivable [Member] | Real Estate Construction Loan [Member]
Financing receivable, originated	81,640	75,151
Total nonaccrual loans	582	0
Mortgage Receivable [Member] | Real Estate Construction Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated	648	651
Mortgage Receivable [Member] | Real Estate Construction Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated	0	0
Mortgage Receivable [Member] | Real Estate Construction Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated	0	55
Mortgage Receivable [Member] | Real Estate Construction Loan [Member] | Financial Asset, Past Due [Member]
Financing receivable, originated	648	706
Mortgage Receivable [Member] | Real Estate Construction Loan [Member] | Financial Asset, Not Past Due [Member]
Financing receivable, originated	80,410	74,445
Loans and Finance Receivables [Member]
Financing receivable, originated		595,631
Total nonaccrual loans		343
Loans and Finance Receivables [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated		2,327
Loans and Finance Receivables [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated		573
Loans and Finance Receivables [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated		404
Loans and Finance Receivables [Member] | Financial Asset, Past Due [Member]
Financing receivable, originated		3,304
Loans and Finance Receivables [Member] | Financial Asset, Not Past Due [Member]
Financing receivable, originated		591,984
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member]
Financing receivable, originated	85,983	86,308
Total nonaccrual loans	800	66
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated	18	293
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated	318	160
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated	0	0
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Financing receivable, originated	336	453
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Financing receivable, originated	84,847	85,789
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member]
Financing receivable, originated	5,936	7,698
Total nonaccrual loans	0	0
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, originated	28	0
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, originated	0	0
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, originated	0	0
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Financing receivable, originated	28	0
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Financing receivable, originated	$ 5,908	$ 7,698

Note 3 - Loans - Loans on Nonac

Note 3 - Loans - Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Total nonaccrual loans	$ 2,335
Nonaccrual loasn with no acl	1,571
Nonaccrul loasn with acl	764
Still accruing	1,110
Loans and Finance Receivables [Member]
Total nonaccrual loans		$ 343
Residential Portfolio Segment [Member] | Mortgage Receivable [Member]
Total nonaccrual loans	953	0
Nonaccrual loasn with no acl	953
Nonaccrul loasn with acl	0
Still accruing	1,110
Real Estate Construction Loan [Member] | Mortgage Receivable [Member]
Total nonaccrual loans	582	0
Nonaccrual loasn with no acl	582
Nonaccrul loasn with acl	0
Still accruing	0
Commercial Portfolio Segment [Member] | Loans and Finance Receivables [Member]
Total nonaccrual loans	800	$ 66
Nonaccrual loasn with no acl	36
Nonaccrul loasn with acl	764
Still accruing	$ 0

Note 3 - Loans - Summary of Imp

Note 3 - Loans - Summary of Impaired Loans (Details) $ in Thousands	Dec. 31, 2022 USD ($)
With No Related Allowance Recorded, Recorded Investment	$ 279
With No Related Allowance Recorded, Unpaid Contractual Principal Balance	279
With an Allowance Recorded, Recorded Investment	66
With an Allowance Recorded, Unpaid Contractual Principal Balance	66
Related Allowance	14
Total Recorded Investment	345
Total Unpaid Contractual Principal Balance	345
Loans and Finance Receivables [Member] | Commercial Real Estate Portfolio Segment [Member]
With No Related Allowance Recorded, Recorded Investment	277
With No Related Allowance Recorded, Unpaid Contractual Principal Balance	277
With an Allowance Recorded, Recorded Investment	0
With an Allowance Recorded, Unpaid Contractual Principal Balance	0
Related Allowance	0
Total Recorded Investment	277
Total Unpaid Contractual Principal Balance	277
Loans and Finance Receivables [Member] | Commercial Portfolio Segment [Member]
With No Related Allowance Recorded, Recorded Investment	0
With No Related Allowance Recorded, Unpaid Contractual Principal Balance	0
With an Allowance Recorded, Recorded Investment	66
With an Allowance Recorded, Unpaid Contractual Principal Balance	66
Related Allowance	14
Total Recorded Investment	66
Total Unpaid Contractual Principal Balance	66
Loans and Finance Receivables [Member] | Consumer Portfolio Segment [Member]
With No Related Allowance Recorded, Recorded Investment	2
With No Related Allowance Recorded, Unpaid Contractual Principal Balance	2
With an Allowance Recorded, Recorded Investment	0
With an Allowance Recorded, Unpaid Contractual Principal Balance	0
Related Allowance	0
Total Recorded Investment	2
Total Unpaid Contractual Principal Balance	$ 2

Note 4 - Allowance for Credit_3

Note 4 - Allowance for Credit Losses - Summary of Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Jan. 01, 2023
Beginning balance	$ 7,145
Ending balance	5,609	$ 7,145
Financing Receivable, Allowance for Credit Loss	5,609	7,145
Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss			$ 7,145
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss			$ (2,606)
Loans and Finance Receivables [Member]
Beginning balance	7,145	5,974
Credit loss expense	1,450	890
Charge-offs	(433)
Recoveries	53
Ending balance	5,609	7,145
Provision (Credit) for loan losses	(1,450)	(890)
Net recoveries (charge-offs)		281
Financing Receivable, Allowance for Credit Loss	5,609	7,145
Loans and Finance Receivables [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance	(2,606)
Ending balance		(2,606)
Financing Receivable, Allowance for Credit Loss		(2,606)
Commercial Real Estate Portfolio Segment [Member] | Mortgage Receivable [Member]
Beginning balance	2,303	1,762
Credit loss expense	150	541
Charge-offs	0
Recoveries	0
Ending balance	1,713	2,303
Provision (Credit) for loan losses	(150)	(541)
Net recoveries (charge-offs)		0
Financing Receivable, Allowance for Credit Loss	1,713	2,303
Commercial Real Estate Portfolio Segment [Member] | Mortgage Receivable [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance	(740)
Ending balance		(740)
Financing Receivable, Allowance for Credit Loss		(740)
Residential Portfolio Segment [Member] | Mortgage Receivable [Member]
Beginning balance	2,607	2,139
Credit loss expense	319	468
Charge-offs	0
Recoveries	0
Ending balance	2,034	2,607
Provision (Credit) for loan losses	(319)	(468)
Net recoveries (charge-offs)		0
Financing Receivable, Allowance for Credit Loss	2,034	2,607
Residential Portfolio Segment [Member] | Mortgage Receivable [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance	(892)
Ending balance		(892)
Financing Receivable, Allowance for Credit Loss		(892)
Real Estate Construction Loan [Member] | Mortgage Receivable [Member]
Beginning balance	922	857
Credit loss expense	424	65
Charge-offs	(386)
Recoveries	2
Ending balance	559	922
Provision (Credit) for loan losses	(424)	(65)
Net recoveries (charge-offs)		0
Financing Receivable, Allowance for Credit Loss	559	922
Real Estate Construction Loan [Member] | Mortgage Receivable [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance	(403)
Ending balance		(403)
Financing Receivable, Allowance for Credit Loss		(403)
Commercial Portfolio Segment [Member] | Loans and Finance Receivables [Member]
Beginning balance	1,223	1,125
Credit loss expense	510	(201)
Charge-offs	(1)
Recoveries	44
Ending balance	1,272	1,223
Provision (Credit) for loan losses	(510)	201
Net recoveries (charge-offs)		299
Financing Receivable, Allowance for Credit Loss	1,272	1,223
Commercial Portfolio Segment [Member] | Loans and Finance Receivables [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance	(504)
Ending balance		(504)
Financing Receivable, Allowance for Credit Loss		(504)
Consumer Portfolio Segment [Member] | Loans and Finance Receivables [Member]
Beginning balance	90	91
Credit loss expense	47	17
Charge-offs	(46)
Recoveries	7
Ending balance	31	90
Provision (Credit) for loan losses	(47)	(17)
Net recoveries (charge-offs)		(18)
Financing Receivable, Allowance for Credit Loss	31	90
Consumer Portfolio Segment [Member] | Loans and Finance Receivables [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Beginning balance	$ (67)
Ending balance		(67)
Financing Receivable, Allowance for Credit Loss		$ (67)

Note 5 - Premises and Equipme_3

Note 5 - Premises and Equipment (Details Textual) - Retail Lease [Member]	Aug. 06, 2018
Lessee, Operating Lease, Term of Contract (Year)	15 years
Lessee, Operating Lease, Number of Renewal Options	4
Lessee, Operating Lease, Renewal Term (Year)	5 years

Note 5 - Premises and Equipme_4

Note 5 - Premises and Equipment - Summary of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Total, at cost	$ 14,557	$ 14,379
Less accumulated depreciation and amortization	(7,081)	(6,357)
Premises and equipment, net	7,476	8,022
Land [Member]
Total, at cost	1,704	1,704
Building [Member]
Total, at cost	5,111	5,089
Leasehold Improvements [Member]
Total, at cost	1,584	1,584
Furniture and Fixtures [Member]
Total, at cost	2,438	2,360
Computer and Software [Member]
Total, at cost	$ 3,720	$ 3,642

Note 5 - Premises and Equipme_5

Note 5 - Premises and Equipment - Lease Expense and Other Lease Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Operating lease cost	$ 319	$ 319
Cash paid for amount included in the measurement of operating lease liability operating cash flows from operating lease	294	294
Operating lease right of use asset	2,823	3,044
Total	$ 3,013	$ 3,208
Remaining lease term - (in years) (Year)	10 years 7 months 6 days	11 years 7 months 6 days
Weighted average discount rate	3.17%	3.17%

Note 5 - Premises and Equipme_6

Note 5 - Premises and Equipment - Operating Lease Liability Future Minimum Lease Payment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
2024	$ 306
2025	323
2026	323
2027	323
2028	323
Thereafter	1,998
Total future minimum lease payments	3,596
Less interest	(583)
Total	$ 3,013	$ 3,208

Note 6 - Deposits (Details Text

Note 6 - Deposits (Details Textual) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Time Deposits, at or Above FDIC Insurance Limit	$ 40.5	$ 14.1

Note 6 - Deposits - Schedule of

Note 6 - Deposits - Schedule of Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
2024	$ 58,991
2025	22,047
2026	899
2027	69
Thereafter	430
Total	$ 82,436	$ 40,109

Note 7 - Federal Home Loan Ba_3

Note 7 - Federal Home Loan Bank Advances and Other Borrowings (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	$ 102,100
Advance from Federal Home Loan Bank	15,000	$ 0
Correspondent Banks [Member]
Line of Credit Facility, Current Borrowing Capacity	59,000
Long-Term Line of Credit	0	0
Thomasville National Bank [Member] | Revolving Credit Facility [Member]
Long-Term Line of Credit	0	$ 4,275
Line of Credit Facility, Maximum Borrowing Capacity	$ 15,000

Note 7 - Federal Home Loan Ba_4

Note 7 - Federal Home Loan Bank Advances and Other Borrowings - Maturity Schedule (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
2024	$ 10,000
2025, Interest Rate	4.18%
2025	$ 5,000
Advance from Federal Home Loan Bank	$ 15,000	$ 0
Minimum [Member]
2024, Interest Rate	4.48%
Maximum [Member]
2024, Interest Rate	4.83%

Note 8 - Income Taxes - Compone

Note 8 - Income Taxes - Components of Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Federal	$ 2,434	$ 2,699
State	696	685
Total current	3,130	3,384
Federal	(305)	(257)
State	(85)	(71)
Total deferred	(390)	(328)
Total income taxes	$ 2,740	$ 3,056

Note 9 - Income Taxes, Contin_3

Note 9 - Income Taxes, Continued - Reconciliation of Statutory Federal Income Tax Rate and Effective Tax Rates (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income taxes at statutory rate, amount	$ 2,404	$ 2,675
Income taxes at statutory rate, percent	21%	21%
State taxes, net of federal tax benefit, amount	$ 483	$ 485
State taxes, net of federal tax benefit, percent	4.20%	3.80%
Tax-exempt income, amount	$ (158)	$ (105)
Tax-exempt income, percent	(1.40%)	(0.80%)
Other nondeductible expenses, amount	$ 11	$ 1
Other nondeductible expenses, percent	0.10%	0%
Total income taxes	$ 2,740	$ 3,056
Total, percent	23.90%	24%

Note 9 - Income Taxes, Contin_4

Note 9 - Income Taxes, Continued - Summary of Tax Effects of Temporary Differences on Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Allowance for loan losses	$ 1,422	$ 1,827
Organizational and start-up costs	0	2
Stock-based compensation	164	132
Deferred compensation	262	201
Unrealized losses on debt securities available for sale	2,652	3,386
Operating lease liability	764	813
Other	12	13
Deferred tax assets	5,276	6,374
Prepaid Expenses	(143)	(144)
Deferred loan costs	(682)	(688)
Premises and equipment	(206)	(238)
Right of use lease asset	(716)	(771)
Deferred tax liabilities	(1,747)	(1,841)
Net deferred tax asset	$ 3,529	$ 4,533

Note 10 - Off-balance Sheet F_3

Note 10 - Off-balance Sheet Financial Instruments (Details Textual) - Standby Financial Letters of Credit [Member] - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument, Term (Year)		1 year
Debt Instrument, Collateral Amount	$ 536,000
Credit Availability Concentration Risk [Member] | Swap Liabilities [Member]
Concentration Risk, Percentage	10%

Note 10 - Off-balance Sheet F_4

Note 10 - Off-balance Sheet Financial Instruments - Summary of Off-balance Sheet Financial Instruments (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Contractual amounts with off-balance-sheet risk	$ 137,727
Commitments to Extend Credit [Member]
Contractual amounts with off-balance-sheet risk	2,194
Construction Loans In Process [Member]
Contractual amounts with off-balance-sheet risk	46,882
Unused lines of Credit [Member]
Contractual amounts with off-balance-sheet risk	85,150
Standby Financial Letters of Credit [Member]
Contractual amounts with off-balance-sheet risk	2,136
Performance Standby Letters Of Credit [Member]
Contractual amounts with off-balance-sheet risk	89
Guaranteed Accounts [Member]
Contractual amounts with off-balance-sheet risk	$ 1,276

Note 11 - Stock Compensation _3

Note 11 - Stock Compensation Plans (Details Textual) - USD ($)		12 Months Ended		103 Months Ended
	May 20, 2015	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023
Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)		75,751	10,203
Share-Based Payment Arrangement, Expense		$ 244,000	$ 129,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount		$ 1,530,000		$ 1,530,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)		4 years 4 months 24 days
Restricted Stock [Member] | Minimum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period (Year)		3 years
Restricted Stock [Member] | Maximum [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period (Year)		5 years
Restricted Stock [Member] | Share-Based Payment Arrangement, Employee [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)		69,473
The 2015 Stock Incentive Compensation Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross (in shares)			3,500	322,957
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures in Period (in shares)		10,050	550	61,250
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)		136,083		136,083
Share-Based Payment Arrangement, Expense		$ 57,000	$ 178,000
The 2015 Stock Incentive Compensation Plan [Member] | Share-Based Payment Arrangement, Option [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized (in shares)	500,000
Maximum Percentage of Shares Issued	15%
Share-Based Payment Arrangement, Expense, Tax Benefit		6,000	19,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount		$ 48,000		$ 48,000
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)		2 years 4 months 24 days
The 2015 Stock Incentive Compensation Plan [Member] | Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)				91,192
Share-Based Payment Arrangement, Expense		$ 244,000	$ 129,000
Directors' Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized (in shares)		74,805		74,805
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross (in shares)		6,700	5,002
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)		29,662		29,662
Share-Based Payment Arrangement, Expense		$ 163,000	$ 131,000
Stock Consideration on Percentage of Common Stock Received Upon Cash Fees		110%		110%

Note 11 - Stock Compensation _4

Note 11 - Stock Compensation Plans - Summary of the 2015 Plan (Details) - The 2015 Stock Incentive Compensation Plan [Member] - USD ($)	12 Months Ended		103 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023
Outstanding, Balance (in shares)	251,367	268,657
Weighted-average Exercise Price, forfeited, Outstanding (in dollars per share)	$ 19.99	$ 20.23
Number of Options, granted (in shares)		3,500	322,957
Weighted-average Exercise Price, Options granted (in dollars per share)		$ 25.37
Number of Options, exercised (in shares)	(19,217)	(20,240)
Weighted-average Exercise Price, exercised (in dollars per share)	$ (20.09)	$ (18.35)
Number of Options, forfeited (in shares)	(10,050)	(550)	(61,250)
Weighted-average Exercise Price, forfeited (in dollars per share)	$ 28.4	$ 20.09
Weighted-average Exercise Price, forfeited (in dollars per share)	$ (28.4)	$ (20.09)
Outstanding, Balance (in shares)	222,100	251,367	222,100
Weighted-average Exercise Price, Outstanding (in dollars per share)	$ 20.33	$ 19.99	$ 20.33
Outstanding at December 31, 2023 (Year)	2 years 6 months
Outstanding at December 31, 2023	$ 740,000		$ 740,000
Number of Options, Exercisable (in shares)	212,900		212,900
Weighted-average Exercise Price, Exercisable (in dollars per share)	$ 20.18		$ 20.18
Weighted-average Remaining Contractual Term, Exercisable (Year)	2 years 4 months 24 days
Aggregate Intrinsic Value, Exercisable	$ 727,000		$ 727,000

Note 11 - Stock Compensation _5

Note 11 - Stock Compensation Plans - Black-Scholes Option-pricing Model Assumptions (Details)	12 Months Ended
	Dec. 31, 2022 $ / shares
Weighted average risk-free interest rate	2.91%
Expected dividend yield	0.71%
Expected stock volatility	33.18%
Expected life in years (Year)	6 years 6 months
Per share fair value of options issued during year (in dollars per share)	$ 9.1

Note 11 - Stock Compensation _6

Note 11 - Stock Compensation Plans - Restricted Stock Activity (Details) - Restricted Stock [Member] - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Non-vested restricted stock outstanding, shares (in shares)	14,203	7,838
Non-vested restricted stock outstanding, weighted average grant date fair value (in dollars per share)	$ 25.3	$ 18.88
Non-vested restricted stock outstanding, grant date fair value	$ 359,000	$ 149,000
Non-vested restricted stock granted (in shares)	75,751	10,203
Non-vested restricted stock issued, weighted average grant date fair value (in dollars per share)	$ 22.68	$ 27.85
Non-vested restricted stock granted, grant date fair value	$ 1,718,000	$ 284,000
Restricted stock shares vested (in shares)	(6,040)	(3,838)
Restricted stock shares vested, weighted average grant date fair value (in dollars per share)	$ (24.06)	$ (18.98)
Restricted stock vested, grant date fair value	$ (145,000)	$ (73,000)
Forfeited (in shares)	(6,278)
Forfeited, weighted average grant date fair value (in dollars per share)	$ 23.42
Forfeited, grant date fair value	$ (147,000)
Non-vested restricted stock outstanding, shares (in shares)	77,636	14,203
Non-vested restricted stock outstanding, weighted average grant date fair value (in dollars per share)	$ 22.99	$ 25.3
Non-vested restricted stock granted, grant date fair value	$ 1,785,000	$ 359,000

Note 12 - Employee Benefit Pl_2

Note 12 - Employee Benefit Plans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Defined Contribution Plan, Cost	$ 278,000	$ 261,000
Deferred Compensation for Officers [Member]
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	4%
Defined Benefit Plan, Benefit Obligation	$ 242,000	265,000
Deferred Compensation for Officers [Member] | Other Liabilities [Member]
Liability, Defined Benefit Plan	$ 1,034,000	$ 792,000

Note 13 - Related Party Trans_3

Note 13 - Related Party Transactions (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Directors and former CFO [Member]
Payment to Acquire Life Insurance Policy, Investing Activities	$ 1.6	$ 1.4

Note 13 - Related Party Trans_4

Note 13 - Related Party Transactions - Summary of Activity of Loans to Related Parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Beginning balance	$ 7,224	$ 8,468
Originated during the year	1,694	544
Principal repayments	(1,946)	(1,788)
Ending balance	6,972	7,224
Deposits at year-end	$ 14,690	$ 5,970

Note 14 - Fair Value of Finan_3

Note 14 - Fair Value of Financial Instruments - Fair Values and Fair Value Measurement Method of Financial Instruments (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Debt securities available for sale	$ 124,475,000	$ 129,436,000
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	5,288,000	7,058,000
Accrued interest receivable	3,114,000	2,385,000
Fair Value, Inputs, Level 3 [Member] | Other Liabilities [Member]
Off-Balance Sheet financial instruments	0	0
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	28,416,000	39,788,000
Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	124,475,000	129,436,000
Debt securities held to maturity	11,850,000	11,805,000
Derivative contract liabilities	2,253,000	2,352,000
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	5,288,000	7,058,000
Loans, net	646,127,000	588,715,000
Federal Home Loan Bank stock	1,283,000	463,000
Accrued interest receivable	3,114,000	2,385,000
Bank owned life insurance	16,921,000	16,532,000
Deposits	748,688,000	731,535,000
Other borrowings	0	4,275,000
FHLB advances	15,000,000	0
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Other Assets [Member]
Derivative contract assets	2,253,000	2,352,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	28,416,000	39,788,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale	124,475,000	129,436,000
Debt securities held to maturity	10,358,000	9,917,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	5,371,000	7,170,000
Loans, net	557,847,000	548,166,000
Federal Home Loan Bank stock	1,283,000	463,000
Accrued interest receivable	3,114,000	2,385,000
Bank owned life insurance	16,921,000	16,532,000
Deposits	749,411,000	731,506,000
Other borrowings	0	4,275,000
FHLB advances	14,848,000	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Other Assets [Member]
Derivative contract assets	$ 2,253,000	$ 2,352,000

Note 15 - Dividend Restrictio_2

Note 15 - Dividend Restrictions (Details Textual)	1 Months Ended
	Jan. 31, 2024 $ / shares
Subsequent Event [Member]
Common Stock, Dividends, Per Share, Declared (in dollars per share)	$ 0.25

Note 16 - Regulatory Matters (D

Note 16 - Regulatory Matters (Details Textual)	Dec. 31, 2023
Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum	0.025

Note 16 - Regulatory Matters -

Note 16 - Regulatory Matters - Summary of Regulatory Capital Requirements and Bank's Capital Position (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Tier 1 Leverage ratio to Average Assets, actual amount	$ 86,576	$ 81,100
Tier 1 Leverage ratio to Average Assets, actual percentage	0.1015	0.097
Tier 1 Leverage ratio to Average Assets, for capital adequacy purposes, amount	$ 34,133	$ 33,461
Tier 1 Leverage ratio to Average Assets, for capital adequacy purposes, percentage	0.04	0.04
Tier 1 Leverage ratio to Average Assets, for well capitalized purposes, amount	$ 42,666	$ 41,826
Tier 1 Leverage ratio to Average Assets, for well capitalized purposes, percentage	0.05	0.05
Common Equity Tier 1 Capital to Risk-Weighted Assets, actual amount	$ 86,576	$ 81,100
Common Equity Tier 1 Capital to Risk-Weighted Assets, actual percentage	0.1318	0.129
Common Equity Tier 1 Capital to Risk-Weighted Assets, for capital adequacy purposes, amount	$ 29,566	$ 28,290
Common Equity Tier 1 Capital to Risk-Weighted Assets, for capital adequacy purposes, percentage	0.045	0.045
Common Equity Tier 1 Capital to Risk-Weighted Assets, for well capitalized purposes, amount	$ 42,706	$ 40,863
Common Equity Tier 1 Capital to Risk-Weighted Assets, for well capitalized purposes, percentage	0.065	0.065
Tier 1 Capital to Risk-Weighted Assets, actual amount	$ 86,576	$ 81,100
Tier 1 Capital to Risk-Weighted Assets, actual percentage	0.1318	0.129
Tier 1 Capital to Risk-Weighted Assets, for capital adequacy purposes, amount	$ 39,421	$ 37,720
Tier 1 Capital to Risk-Weighted Assets, for capital adequacy purposes, percentage	0.06	0.06
Tier 1 Capital to Risk-Weighted Assets, for well capitalized purposes, amount	$ 52,561	$ 50,294
Tier 1 Capital to Risk-Weighted Assets, for well capitalized purposes, percentage	0.08	0.08
Total Capital to Risk-Weighted Assets, actual amount	$ 92,185	$ 88,245
Total Capital to Risk-Weighted Assets, actual percentage	0.1403	0.1404
Total Capital to Risk-Weighted Assets, for capital adequacy purposes, amount	$ 52,561	$ 50,294
Total Capital to Risk-Weighted Assets, for capital adequacy purposes, percentage	0.08	0.08
Total Capital to Risk-Weighted Assets, for well capitalized purposes, amount	$ 65,702	$ 62,867
Total Capital to Risk-Weighted Assets, for well capitalized purposes, percentage	0.10	0.10

Note 18 - Earnings Per Share -

Note 18 - Earnings Per Share - Computation of Basic and Diluted Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Net earnings, basic	$ 8,708	$ 9,681
Weighted-average Shares, basic (in shares)	3,209,924	3,154,866
Net earnings, per share amount, basic (in dollars per share)	$ 2.71	$ 3.07
Effect of dilutive securities-incremental shares from assumed conversion of options (in shares)	41,156	38,908
Net earnings, diluted	$ 8,708	$ 9,681
Weighted-average Shares, diluted (in shares)	3,251,080	3,193,774
Net earnings, per share amount, diluted (in dollars per share)	$ 2.68	$ 3.03

Note 19 - Derivatives - Schedul

Note 19 - Derivatives - Schedule of Derivatives (Details) - Interest Rate Swap [Member] - Not Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Stand-alone derivatives	$ 19,548	$ 20,084
Weighted-average pay rate - interest rate swaps	3.68%	3.68%
Weighted-average receive rate - interest rate swaps	3%	3%
Weighted-average maturity (in years) - interest rate swaps (Year)	11 years 7 months 6 days	12 years 7 months 6 days
Stand-alone derivatives - interest rate swaps (other assets)	$ 2,253	$ 2,352
Stand-alone derivatives - interest rate swaps (other liabilities)	$ (2,253)	$ (2,352)

Note 20 - Parent Company Only_3

Note 20 - Parent Company Only Financial Information - Schedule of Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Other assets	$ 3,226	$ 3,391
Total assets	854,528	815,172
Other borrowings	0	4,275
Total liabilities	774,552	748,119
Stockholders' equity	79,976	67,053	$ 67,031
Total liabilities and stockholders' equity	854,528	815,172
Parent Company [Member]
Cash	1,178	204
Investment in subsidiary	78,763	71,125
Other assets	35	30
Total assets	79,976	71,359
Other borrowings	0	4,275
Accrued interest	0	31
Total liabilities	0	4,306
Stockholders' equity	79,976	67,053
Total liabilities and stockholders' equity	$ 79,976	$ 71,359

Note 20 - Parent Company Only_4

Note 20 - Parent Company Only Financial Information - Schedule of Condensed Statement of Earnings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income tax benefit	$ (2,740)	$ (3,056)
Net earnings	8,708	9,681
Parent Company [Member]
Revenues	0	0
Expenses	(698)	(756)
Income tax benefit	177	192
Loss before earnings of subsidiary	(521)	(564)
Net earnings of subsidiary	9,229	10,245
Net earnings	$ 8,708	$ 9,681

Note 20 - Parent Company Only_5

Note 20 - Parent Company Only Financial Information - Schedule of Condensed Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Net earnings	$ 8,708	$ 9,681
Stock-based compensation expense	301	307
Net cash used in operating activities	10,541	17,597
Proceeds from stock options exercised	341	372
Net cash (used in) provided by financing activities	27,521	(30,902)
Net increase in cash	(11,372)	(193,685)
Accumulated other comprehensive loss, net change in unrealized loss on debt securities available for sale, net of income taxes (benefit)	2,162	(9,902)
Parent Company [Member]
Net earnings	8,708	9,681
Equity in earnings of subsidiary	(9,229)	(10,245)
Stock-based compensation expense	163	131
Net change in other assets	(5)	(3)
(Decrease) increase in accrued interest	(31)	21
Net cash used in operating activities	(394)	(415)
Cash dividend received from bank subsidiary	6,000	0
Net change in other borrowings	(4,275)	700
Cash dividend paid	(698)	(567)
Proceeds from stock options exercised	341	372
Net cash (used in) provided by financing activities	(4,632)	505
Net increase in cash	974	90
Cash at beginning of the year	204	114
Cash at end of year	1,178	204
Accumulated other comprehensive loss, net change in unrealized loss on debt securities available for sale, net of income taxes (benefit)	2,162	(9,902)
Stock-based compensation expense of subsidiary	$ 301	$ 307