HMN Financial (HMNF) 10-Q 4 May 23 2023 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2023	Apr. 28, 2023
Document Information [Line Items]
Entity Central Index Key	0000921183
Entity Registrant Name	HMN FINANCIAL INC
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Document Transition Report	false
Entity File Number	0-24100
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	41-1777397
Entity Address, Address Line One	1016 Civic Center Drive N.W.
Entity Address, City or Town	Rochester
Entity Address, State or Province	MN
Entity Address, Postal Zip Code	55901
City Area Code	507
Local Phone Number	535-1200
Title of 12(b) Security	Common Stock
Trading Symbol	HMNF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,487,362

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 10,120	$ 36,259
Securities available for sale (at fair value)	239,693	246,019
Loans held for sale (at fair value)	567	1,314
Loans receivable, net	785,982	777,078
Accrued interest receivable	3,199	3,003
Mortgage servicing rights, net	2,878	2,986
Premises and equipment, net	16,467	16,492
Goodwill	802	802
Prepaid expenses and other assets	3,800	3,902
Deferred tax asset, net	8,074	8,347
Total assets	1,071,582	1,096,202
Deposits	958,318	981,926
Federal Home Loan Bank advances and Federal Reserve borrowings	2,300	0
Accrued interest payable	1,049	298
Customer escrows	8,463	10,122
Accrued expenses and other liabilities	1,230	6,520
Total liabilities	971,360	998,866
Commitments and contingencies
Stockholders’ equity:
Serial preferred stock ($.01 par value):authorized 500,000 shares; issued 0	0	0
Common stock ($.01 par value): authorized 16,000,000 shares; issued 9,128,662 outstanding 4,484,614 and 4,480,976	91	91
Additional paid-in capital	40,975	41,013
Retained earnings, subject to certain restrictions	138,952	138,409
Accumulated other comprehensive loss	(17,515)	(19,761)
Unearned employee stock ownership plan shares	(1,014)	(1,063)
Treasury stock, at cost 4,644,048 and 4,647,686 shares	(61,267)	(61,353)
Total stockholders’ equity	100,222	97,336
Total liabilities and stockholders’ equity	1,071,582	1,096,202
Collateralized Mortgage-Backed Securities [Member]
Assets
Securities available for sale (at fair value)	185,836	192,688
Other Debt Obligations [Member]
Assets
Securities available for sale (at fair value)	$ 53,857	$ 53,331

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale, amortized cost	$ 263,148	$ 272,319
Serial-preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Serial-preferred stock, shares authorized (in shares)	500,000	500,000
Serial-preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	16,000,000	16,000,000
Common stock, shares issued (in shares)	9,128,662	9,128,662
Common Stock, Shares, Outstanding (in shares)	4,484,614	4,480,976
Treasury stock, common, share (in shares)	4,644,048	4,647,686
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	$ 207,450	$ 216,621
Other Debt Obligations [Member]
Securities available for sale, amortized cost	$ 55,698	$ 55,698

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Interest income:
Loans receivable		$ 9,003	$ 6,751
Securities available for sale:
Mortgage-backed and related		652	727
Other marketable		143	61
Other		115	26
Total interest income		9,913	7,565
Interest expense:
Deposits		1,803	283
Customer escrows		32	0
Advances and other borrowings		15	0
Total interest expense		1,850	283
Net interest income		8,063	7,282
Provision for credit losses (1)	[1]	(8)	296
Net interest income after provision for credit losses		8,071	6,986
Non-interest income:
Gain on sales of loans		295	868
Other		426	355
Total non-interest income		1,928	2,375
Non-interest expense:
Compensation and benefits		4,805	4,288
Occupancy and equipment		950	1,050
Data processing		505	354
Professional services		237	529
Other		1,196	1,031
Total non-interest expense		7,693	7,252
Income before income tax expense		2,306	2,109
Income tax expense		672	622
Net income		1,634	1,487
Other comprehensive income (loss), net of tax		2,246	(10,018)
Comprehensive income (loss) available to common stockholders		$ 3,880	$ (8,531)
Basic earnings per share (in dollars per share)		$ 0.38	$ 0.34
Diluted earnings per share (in dollars per share)		$ 0.37	$ 0.34
Financial Service [Member]
Non-interest income:
Revenue from Contract with Customer		$ 807	$ 766
Bank Servicing [Member]
Non-interest income:
Revenue from Contract with Customer		$ 400	$ 386
[1]The Company adopted Accounting Standard Update (ASU) 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($)	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] Unearned Employee Stock Ownership Plan Shares [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Treasury Stock, Common [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Unearned Employee Stock Ownership Plan Shares [Member]	Treasury Stock, Common [Member]	Total
Balance at Dec. 31, 2021								$ 91,000	$ 40,740,000	$ 131,413,000	$ (1,583,000)	$ (1,256,000)	$ (59,374,000)	$ 110,031,000
Net income										1,487,000				1,487,000
Other comprehensive income (loss)											(10,018,000)			(10,018,000)
Dividends paid to stockholders ($0.06 per share)										(266)				(266)
Restricted stock awards									(182,000)				182,000	0
Stock awards withheld for tax withholding													(53,000)	(53,000)
Amortization of restricted stock awards									62,000					62,000
Earned employee stock ownership plan shares									75,000			48,000		123,000
Stock repurchases													(743,000)	(743,000)
Balance at Mar. 31, 2022								91,000	40,695,000	132,634,000	(11,601,000)	(1,208,000)	(59,988,000)	100,623,000
Balance (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022			$ (830,000)				$ (830,000)
Balance at Dec. 31, 2022								91,000	41,013,000	138,409,000	(19,761,000)	(1,063,000)	(61,353,000)	97,336,000
Net income										1,634,000				1,634,000
Other comprehensive income (loss)											2,246,000			2,246,000
Dividends paid to stockholders ($0.06 per share)										(261,000)				(261,000)
Restricted stock awards									(150,000)				150,000	0
Stock awards withheld for tax withholding													(64,000)	(64,000)
Amortization of restricted stock awards									54,000					54,000
Earned employee stock ownership plan shares									58,000			49,000		107,000
Balance at Mar. 31, 2023								$ 91,000	$ 40,975,000	$ 138,952,000	$ (17,515,000)	$ (1,014,000)	$ (61,267,000)	$ 100,222,000

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0.06	$ 0.06

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities:
Net income		$ 1,634	$ 1,487
Adjustments to reconcile net income to cash (used) provided by operating activities:
Provision for credit losses (1)	[1]	(8)	296
Depreciation		282	315
Amortization of premiums, net		194	282
Amortization of deferred loan fees		(60)	(93)
Amortization of mortgage servicing rights		199	225
Capitalized mortgage servicing rights		(91)	(215)
(Gains) losses recognized on equity securities, net		(41)	31
Gains on sale of premises and equipment		(1)	0
Gain on sales of loans		(295)	(868)
Proceeds from sale of loans held for sale		11,300	33,877
Disbursements on loans held for sale		(9,718)	(23,739)
Amortization of restricted stock awards		54	62
Amortization of unearned Employee Stock Ownership Plan shares		49	48
Earned Employee Stock Ownership Plan shares priced above original cost		58	75
Increase in accrued interest receivable		(196)	(137)
Increase (decrease) in accrued interest payable		751	(5)
Decrease in other assets		283	720
Decrease in other liabilities		(5,399)	(1,270)
Other, net		0	1
Net cash (used) provided by operating activities		(1,005)	11,098
Cash flows from investing activities:
Principal collected on securities available for sale		8,976	12,132
Purchases of securities available for sale		0	(25,043)
Purchase of Federal Home Loan Bank stock		(1,546)	(191)
Redemption of Federal Home Loan Bank stock		1,421	0
Net increase in loans receivable		(10,437)	(32,276)
Proceeds from sale of premises and equipment		35	4
Purchases of premises and equipment		(291)	(172)
Net cash used by investing activities		(1,842)	(45,546)
Cash flows from financing activities:
Decrease in deposits		(23,608)	(30,268)
Purchase of treasury stock		0	(743)
Stock awards withheld for tax withholding		(64)	(53)
Dividends to stockholders		(261)	(266)
Proceeds from borrowings		37,820	0
Repayment of borrowings		(35,520)	0
(Decrease) increase in customer escrows		(1,659)	811
Net cash used by financing activities		(23,292)	(30,519)
Decrease in cash and cash equivalents		(26,139)	(64,967)
Cash and cash equivalents, beginning of period		36,259	94,143
Cash and cash equivalents, end of period		10,120	29,176
Supplemental cash flow disclosures:
Cash paid for interest		1,099	288
Supplemental noncash flow disclosures:
Loans transferred to loans held for sale		555	5,451
Core Deposits [Member]
Adjustments to reconcile net income to cash (used) provided by operating activities:
Amortization of core deposit intangible		$ 0	$ 6
[1]The Company adopted Accounting Standard Update (ASU) 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.

Note 1 - Description of the Bus

Note 1 - Description of the Business and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	( 1 Description of the Business and Summary of Significant Accounting Policies HMN Financial, Inc. (HMN or the Company) is a stock savings bank holding company that owns 100 percent of Home Federal Savings Bank (the Bank). The Bank has a community banking philosophy and operates retail banking and loan production facilities in Minnesota, Iowa and Wisconsin. The Bank has two wholly owned subsidiaries, Osterud Insurance Agency, Inc. (OIA), which does business as Home Federal Investment Services and offers financial planning products and services, and HFSB Property Holdings, LLC (HPH), which is currently inactive, but has acted in the past as an intermediary for the Bank in holding and operating certain foreclosed properties. The consolidated financial statements included herein are for HMN, the Bank, OIA and HPH. All significant intercompany accounts and transactions have been eliminated in consolidation. The Company adopted Accounting Standards Update (ASU) 2016 13, Financial Instruments-Credit Losses (Topic 326 January 1, 2023, 3 New Accounting Standards , 7 Securities Available for Sale , 9 Allowance for Credit Losses and Credit Quality Information 2016 13. The Company adopted ASU 2022 02, Financial Instruments-Credit Losses (Topic 326 310 40, Receivables-Troubled Debt Restructurings by Creditors, 3 New Accounting Standards 9 Allowance for Credit Losses and Credit Quality Information 2022 02.

Note 2 - Basis of Preparation

Note 2 - Basis of Preparation	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Basis of Accounting [Text Block]	( 2 Basis of Preparation The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10 not The unaudited consolidated financial statements presented in this report should be read in conjunction with the audited consolidated financial statements and the accompanying notes for the year ended December 31, 2022, 10 March 3, 2023. three March 31, 2023 not may The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the unaudited consolidated financial statements included in this Quarterly Report on Form 10

Note 3 - New Accounting Standar

Note 3 - New Accounting Standards	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	( 3 New Accounting Standards In March 2022, 2022 02, Financial Instruments-Credit Losses (Topic 326 310 40, Receivables-Troubled Debt Restructurings by Creditors, 310 20 35 9 35 11 326 20, Financial Instruments-Credit Losses-Measured at Amortized Cost 326 20 50 6 . 2016 13 January 1, 2023 no first 2023, no 10 In June 2016, 2016 13, Financial Instruments-Credit Losses (Topic 326 not December 15, 2019, November 26, 2019, 2019 11, Codification Improvements to Topic 326, Credit Losses, 2016 13 first 2020 first 2023. January 1, 2023. not January 1, 2023 7 Securities Available For Sale 9 Allowance for Credit Losses and Credit Quality Information . On February 6, 2020, 2020 02, Financial Instruments-Credit Losses (Topic 326 842 No. 119 No. 2016 02, 842 Leases (Topic 842 not 326 326. third

Note 4 - Fair Value Measurement

Note 4 - Fair Value Measurements	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Fair Value Disclosures [Text Block]	( 4 Fair Value Measurements ASC 820, Fair Value Measurements three Level 1 Level 2 not Level 3 not not The following table summarizes the assets and liabilities of the Company for which fair values are determined on a recurring basis as of March 31, 2023 December 31, 2022. Carrying Value at March 31, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 239,693 0 239,693 0 Equity securities 266 0 266 0 Mortgage loan commitments (10 ) 0 (10 ) 0 Total $ 239,949 0 239,949 0 Carrying Value at December 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 246,019 0 246,019 0 Equity securities 225 0 225 0 Mortgage loan commitments (28 ) 0 (28 ) 0 Total $ 246,216 0 246,216 0 The Company may March 31, 2023 December 31, 2022. Carrying Value at March 31, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three Months Ended March 31, 2023 Total Losses Loans held for sale $ 567 0 567 0 4 Mortgage servicing rights, net 2,878 0 2,878 0 0 Collateral dependent loans 1,915 0 1,915 0 (43 ) Total $ 5,360 0 5,360 0 (39 ) Carrying Value at December 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year Ended December 31, 2022 Total Losses Loans held for sale $ 1,314 0 1,314 0 3 Mortgage servicing rights, net 2,986 0 2,986 0 0 Impaired loans 1,978 0 1,978 0 (46 ) Total $ 6,278 0 6,278 0 (43 )

Note 5 - Fair Value of Financia

Note 5 - Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	( 5 Fair Value of Financial Instruments ASC 825, Disclosures about Fair Values of Financial Instruments March 31, 2023 December 31, 2022 no The estimated fair value of the Company’s financial instruments as of March 31, 2023 December 31, 2022 March 31, 2023 December 31, 2022 Fair Value Hierarchy Fair Value Hierarchy (Dollars in thousands) Carrying Amount Estimated Fair Value Level 1 Level 2 Level 3 Contract Amount Carrying Amount Estimated Fair Value Level 1 Level 2 Level 3 Contract Amount Financial assets: Cash and cash equivalents $ 10,120 10,120 10,120 36,259 36,259 36,259 Securities available for sale 239,693 239,693 239,693 246,019 246,019 246,019 Equity securities 266 266 266 225 225 225 Loans held for sale 567 567 567 1,314 1,314 1,314 Loans receivable, net 785,982 724,482 724,482 777,078 724,497 724,497 Federal Home Loan Bank stock 1,408 1,408 1,408 1,283 1,283 1,283 Accrued interest receivable 3,199 3,199 3,199 3,003 3,003 3,003 Mortgage servicing assets 2,878 6,414 6,414 2,986 6,344 6,344 Financial liabilities: Deposits 958,318 892,622 892,622 981,926 983,420 983,420 Other borrowings 2,300 2,300 2,300 0 0 0 Accrued interest payable 1,049 1,049 1,049 298 298 298 Off-balance sheet financial instruments: Commitments to extend credit (10 ) (10 ) 224,037 (28 ) (28 ) 232,940 Commitments to sell loans 4 4 4,140 8 8 6,575 Cash and Cash Equivalents The carrying amount of cash and cash equivalents approximates their fair value. Securities Available for Sale The fair values of securities were based upon quoted market prices for similar securities. Equity Securities The fair values of equity securities were based upon quoted market prices for similar securities. Loans Held for Sale The fair values of loans held for sale were based upon quoted market prices for loans with similar interest rates and terms to maturity. Loans Receivable The fair value of the loan portfolio, with the exception of the adjustable rate portfolio, was calculated by discounting the scheduled cash flows through the estimated maturity using anticipated prepayment speeds and using discount rates that reflect the credit and interest rate risk inherent in each loan portfolio. The fair value of the adjustable loan portfolio was estimated by grouping the loans with similar characteristics and comparing the characteristics of each group to the prices quoted for similar types of loans in the secondary market. The fair value disclosures for both the fixed and adjustable rate portfolios were adjusted to reflect the exit price amount anticipated to be received from the sale of the portfolio in an open market transaction. Federal Home Loan Bank (FHLB) Stock The carrying amount of FHLB stock approximates its fair value. Accrued Interest Receivable The carrying amount of accrued interest receivable approximates its fair value since it is short-term in nature and does not Mortgage Servicing Assets The fair values of mortgage servicing assets were calculated by a third Deposits The fair value of demand deposits, savings accounts and certain money market account deposits is the amount payable on demand at the reporting date. The fair value of fixed maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value disclosures for all of the deposits were adjusted to reflect the exit price amount anticipated to be received from the sale of the deposits in an open market transaction . Other Borrowings The carrying amount of other borrowings approximates its fair value since it is short-term in nature. Accrued Interest Payable The carrying amount of accrued interest payable approximates its fair value since it is short-term in nature. Commitments to Extend Credit The fair values of commitments to extend credit are estimated using the fees normally charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counter parties. Commitments to Sell Loans The fair values of commitments to sell loans are estimated using the quoted market prices for loans with similar interest rates and terms to maturity.

Note 6 - Other Comprehensive In

Note 6 - Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	( 6 Other Comprehensive Income (Loss) Other comprehensive income (loss) is defined as the change in equity during a period from transactions and other events from non-owner sources. Comprehensive income (loss) is the total of net income and other comprehensive income or loss, which for the Company is comprised of unrealized gains or losses on securities available for sale. The components of other comprehensive income (loss) and the related tax effects were as follows: For the period ended March 31, (Dollars in thousands) 2023 2022 Securities available for sale: Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Unrealized gains (losses) arising during the period $ 2,845 599 2,246 (13,746 ) (3,728 ) (10,018 ) Other comprehensive income (loss) $ 2,845 599 2,246 (13,746 ) (3,728 ) (10,018 )

Note 7 - Securities Available f

Note 7 - Securities Available for Sale	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	( 7 Securities Available For Sale The following table shows the gross unrealized losses and fair values for the securities available for sale portfolio, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2023 December 31, 2022. Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses March 31, 2023 Mortgage backed securities: Federal National Mortgage Association 0 $ 0 0 34 $ 101,000 (11,599 ) $ 101,000 (11,599 ) Federal Home Loan Mortgage 0 0 0 24 84,800 (10,013 ) 84,800 (10,013 ) Collateralized mortgage obligations: FNMA 0 0 0 1 36 (2 ) 36 (2 ) Other marketable securities: U.S. Government agency obligations 2 9,839 (161 ) 9 43,563 (1,435 ) 53,402 (1,596 ) Corporate preferred stock 0 0 0 1 455 (245 ) 455 (245 ) Total temporarily impaired securities 2 $ 9,839 (161 ) 69 $ 229,854 (23,294 ) $ 239,693 (23,455 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2022 Mortgage backed securities: FNMA 12 $ 19,337 (1,629 ) 22 $ 85,599 (11,125 ) $ 104,936 (12,754 ) FHLMC 4 10,542 (1,214 ) 20 77,174 (9,963 ) 87,716 (11,177 ) Collateralized mortgage obligations: FNMA 1 36 (2 ) 0 0 0 36 (2 ) Other marketable securities: U.S. government agency obligations 4 19,334 (667 ) 7 33,507 (1,490 ) 52,841 (2,157 ) Corporate preferred stock 0 0 0 1 490 (210 ) 490 (210 ) Total temporarily impaired securities 21 $ 49,249 (3,512 ) 50 $ 196,770 (22,788 ) $ 246,019 (26,300 ) The Company reviews its investment portfolio on a quarterly basis for indications of impairment due to credit-related factors or noncredit-related factors and the Company does not may As of March 31, 2023, not no March 31, 2023 March 31, 2023 not March 31, 2023 not may no 2022. three March 31, 2023 March 31, 2022, no The Company made an accounting policy election to exclude accrued interest receivable from the amortized cost basis of securities available for sale. Accrued interest receivable on securities available for sale is reported as a component of accrued interest receivable on the consolidated balance sheet and totaled $0.4 million at March 31, 2023 A summary of securities available for sale at March 31, 2023 December 31, 2022 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2023 Mortgage-backed securities: FNMA $ 112,599 0 (11,599 ) 101,000 FHLMC 94,813 0 (10,013 ) 84,800 Collateralized mortgage obligations: FNMA 38 0 (2 ) 36 207,450 0 (21,614 ) 185,836 Other marketable securities: U.S. Government agency obligations 54,998 0 (1,596 ) 53,402 Corporate preferred stock 700 0 (245 ) 455 55,698 0 (1,841 ) 53,857 $ 263,148 0 (23,455 ) 239,693 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2022 Mortgage-backed securities: FNMA $ 117,690 0 (12,754 ) 104,936 FHLMC 98,893 0 (11,177 ) 87,716 Collateralized mortgage obligations: FNMA 38 0 (2 ) 36 216,621 0 (23,933 ) 192,688 Other marketable securities: U.S. Government agency obligations 54,998 0 (2,157 ) 52,841 Corporate preferred stock 700 0 (210 ) 490 55,698 0 (2,367 ) 53,331 $ 272,319 0 (26,300 ) 246,019 The Company had available for sale securities pledged as collateral for customer deposits in excess of the $250,000 March 31, 2023 December 31, 2022, The following table indicates amortized cost and estimated fair value of securities available for sale at March 31, 2023 (Dollars in thousands) Amortized Cost Fair Value Due less than one year $ 78,761 73,186 Due after one year through five years 136,725 123,983 Due after five years through fifteen years 47,658 42,521 Due after fifteen years 4 3 Total $ 263,148 239,693 The allocation of mortgage-backed securities in the table above is based upon the anticipated future cash flow of the securities using estimated mortgage prepayment speeds. The allocation of other marketable securities that have call features is based on the anticipated cash flows to the expected call date if it is anticipated that the security will be called, or to the maturity date if it is not

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	( 8 Loans Receivable, Net A summary of loans receivable at March 31, 2023 December 31, 2022 (Dollars in thousands) March 31, 2023 December 31, 2022 Single family $ 208,321 205,890 Commercial real estate: Real estate rental and leasing 252,339 249,783 Other 222,384 221,562 474,723 471,345 Consumer 47,852 44,817 Commercial business 66,929 65,835 Total loans 797,825 787,887 Less: Unamortized discounts 14 13 Net deferred loan fees 487 519 Allowance for credit losses 11,342 10,277 Total loans receivable, net $ 785,982 777,078

Note 9 - Allowance for Credit L

Note 9 - Allowance for Credit Losses and Credit Quality Information	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Allowance For Loan Losses And Credit Quality Information [Text Block]	( 9 Allowance for Credit Losses and Credit Quality Information The allowance for credit losses is summarized as follows: (Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total Balance, December 31, 2022 $ 1,261 7,026 1,058 932 10,277 January 1, 2023 adoption of ASU 2016-13 (259 ) 512 (485 ) 1,302 1,070 Provision for losses (44 ) 23 46 (57 ) (32 ) Recoveries 1 0 1 25 27 Balance, March 31, 2023 $ 959 7,561 620 2,202 11,342 Balance, December 31, 2021 $ 974 6,388 981 936 9,279 Provision for losses 28 107 10 151 296 Charge-offs 0 0 (1 ) 0 (1 ) Recoveries 0 0 1 9 10 Balance, March 31, 2022 $ 1,002 6,495 991 1,096 9,584 Allocated to: Individual allowance $ 33 0 112 17 162 Collective allowance 1,228 7,026 946 915 10,115 Balance, December 31, 2022 $ 1,261 7,026 1,058 932 10,277 Allocated to: Individual allowance $ 31 0 133 39 203 Collective allowance 928 7,561 487 2,163 11,139 Balance, March 31, 2023 $ 959 7,561 620 2,202 11,342 Loans receivable at December 31, 2022: Individually reviewed for impairment $ 908 179 492 561 2,140 Collectively reviewed for impairment 204,982 471,166 44,325 65,274 785,747 Ending balance $ 205,890 471,345 44,817 65,835 787,887 Loans receivable at March 31, 2023: Individually reviewed for impairment $ 890 178 544 505 2,117 Collectively reviewed for impairment 207,431 474,545 47,308 66,424 795,708 Ending balance $ 208,321 474,723 47,852 66,929 797,825 The Company adopted ASU 2016 13 January 1, 2023, not not The Company’s total expected loss estimate is based, in part, on the maximum historical credit loss experience of each of pool of loans over a full credit cycle and all available portfolio data is considered in the analysis. When historical credit loss experience is not may Collateral dependent loans are those for which the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. These loans do not not not may not The Company made an accounting policy election to exclude accrued interest receivable from the amortized cost basis of loans. Accrued interest receivable on loans is reported as a component of accrued interest receivable on the consolidated balance sheet and totaled $2.8 million at March 31, 2023 In addition to the ACL on loans, the Company has established an ACL on unfunded commitments that is included in other liabilities on the consolidated balance sheets. This reserve is maintained at a level that management believes is sufficient to absorb losses arising from unfunded loan commitments, and is determined quarterly based on an estimate of the amount of the outstanding commitments that will be funded and multiplying the anticipated outstanding loan balance by the loss rate for the loan category. The allowance for unfunded commitments at March 31, 2023 The provision for credit losses is determined by the Company as the amount to be added to the ACL for various types of financial instruments including loans, investment securities, and off-balance sheet credit exposures after net charge-offs have been deducted to bring the ACL to a level that, in management’s judgment, is necessary to absorb expected credit losses over the lives of the respective financial instruments. No first 2023. The following table present the components of the provision for credit losses. Three months ended (Dollars in thousands) March 31, 2023 March 31, 2022 Provision for credit losses on: Loans (1) $ (32 ) 296 Unfunded commitments 24 0 Total $ (8 ) 296 ( 1 2016 13 January 1, 2023. 2022 The following table presents total loans by risk categories and year of origination as of March 31, 2023: (Dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Total Single family Pass $ 7,493 63,226 66,964 38,104 11,775 18,332 0 205,894 Special Mention 0 394 335 0 0 0 0 729 Substandard 0 661 148 83 191 572 0 1,655 Doubtful 0 0 0 0 26 17 0 43 Loss 0 0 0 0 0 0 0 0 7,493 64,281 67,447 38,187 11,992 18,921 0 208,321 Commercial Real Estate Pass 16,071 202,842 121,182 74,731 15,640 13,117 0 443,583 Special Mention 0 948 874 11,251 0 2,156 0 15,229 Substandard 1,251 1,989 292 11,228 656 495 0 15,911 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 17,322 205,779 122,348 97,210 16,296 15,768 0 474,723 Consumer Pass 6,740 10,031 2,124 2,553 3,226 6,171 16,400 47,245 Special Mention 20 0 0 0 0 0 0 20 Substandard 0 30 139 0 4 172 113 458 Doubtful 0 17 0 0 0 0 0 17 Loss 0 1 36 0 0 26 49 112 6,760 10,079 2,299 2,553 3,230 6,369 16,562 47,852 Commercial Business Pass 7,456 10,858 4,749 4,578 332 1,053 32,051 61,077 Special Mention 0 1,555 0 0 0 0 1,620 3,175 Substandard 81 731 293 667 42 42 821 2,677 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 7,537 13,144 5,042 5,245 374 1,095 34,492 66,929 Total Loans $ 39,112 293,283 197,136 143,195 31,892 42,153 51,054 797,825 The Company had no first 2023 no Credit Quality Indicators The Company categorized loans into risk categories based on relevant information about the ability of borrowers to service their debt. The information considered includes information, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company established a risk rating at origination for all commercial real estate and commercial business loans and management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt. Management also affirms the risk ratings for these loans on an annual basis. The Company uses the following definitions for classifying loans: Special Mention - Loans classified as special mention are loans that have potential weaknesses that, if left uncorrected, may Substandard - not Doubtful - Loss - Loans classified as loss are essentially uncollateralized and/or considered uncollectible and of such little value that continuance as an asset on the balance sheet may not Classified loans are categorized as special mention, substandard, doubtful, and loss. Loans classified as substandard, doubtful, or loss require the Bank to perform an analysis of the individual loan and charge off any loans, or portion thereof, that are deemed uncollectible. Loans not not The aging of past due loans at March 31, 2023 December 31, 2022 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Loans Total Loans Loans 90 Days or More Past Due and Still Accruing March 31, 2023 Single family $ 340 0 453 793 207,528 208,321 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 252,339 252,339 0 Other 0 0 0 0 222,384 222,384 0 Consumer 270 0 163 433 47,419 47,852 0 Commercial business 0 0 0 0 66,929 66,929 0 $ 610 0 616 1,226 796,599 797,825 0 December 31, 2022 Single family $ 380 145 481 1,006 204,884 205,890 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 249,783 249,783 0 Other 578 0 0 578 220,984 221,562 0 Consumer 394 123 88 605 44,212 44,817 0 Commercial business 0 0 0 0 65,835 65,835 0 $ 1,352 268 569 2,189 785,698 787,887 0 The Company considers a loan to have defaulted when it becomes 90 may The following table presents the carrying value of collateral dependent individually analyzed loans as of March 31, 2023: March 31, 2023 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 655 673 0 Commercial real estate: Other 178 178 0 Consumer 371 371 0 Loans with an allowance recorded: Single family 235 235 31 Consumer 173 173 133 Commercial business 505 505 39 Total: Single family 890 908 31 Commercial real estate: Other (1) 178 178 0 Consumer (2) 544 544 133 Commercial business (3) 505 505 39 $ 2,117 2,135 203 ( 1 ( 2 second ( 3 The following table presents, under previously applicable GAAP, loans individually evaluated for impairment by portfolio segment as of December 31, 2022: December 31, 2022 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 667 685 0 Commercial real estate: Other 179 179 0 Consumer 338 338 0 Loans with an allowance recorded: Single family 241 241 33 Consumer 154 154 112 Commercial business 561 561 17 Total: Single family 908 926 33 Commercial real estate: Other (1) 179 179 0 Consumer (2) 492 492 112 Commercial business (3) 561 561 17 $ 2,140 2,158 162 ( 1 ( 2 second ( 3 The following table summarizes the average recorded investment and interest income recognized on loans individually evaluated for impairment under previously applicable GAAP during the three March 31, 2022: March 31, 2022 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 324 2 Commercial real estate: Other 187 0 Consumer 389 2 Loans with an allowance recorded: Single family 86 0 Commercial real estate: Other 3,467 0 Consumer 146 1 Commercial business 7 0 Total: Single family 410 2 Commercial real estate: Other 3,654 0 Consumer 535 3 Commercial business 7 0 $ 4,606 5 At March 31, 2023 December 31, 2022, no March 31, 2023 December 31, 2022. The non-accrual loans at March 31, 2023 December 31, 2022 (Dollars in thousands) March 31, 2023 December 31, 2022 Single family $ 890 $ 908 Consumer 494 441 Commercial business 474 529 $ 1,858 $ 1,878 Single family loans that were in process of foreclosure were $0.2 million at both March 31, 2023 December 31, 2022. The Company adopted ASU 2022 02, Financial Instruments-Credit Losses (Topic 326 January 1, 2023. January 1, 2023 Based on the guidance in ASU 2022 02, not not There are additional disclosures for modification of loans with borrowers experience financial difficulty that result in a direct change in the timing or amount of contractual cash flows. The disclosures are applicable to situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, or a combination of any of these items. If the Company modifies any loans to borrowers in financial distress that involves principal forgiveness, the amount of principal that is forgiven is charged off against the ACL. The Company had no first 2023 no March 31, 2023.

Note 10 - Intangible Assets

Note 10 - Intangible Assets	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Intangible Assets Disclosure [Text Block]	( 10 Intangible Assets The Company’s intangible assets consist of goodwill and mortgage servicing rights. A summary of mortgage servicing rights activity is as follows: (Dollars in thousands) Three Months Ended March 31, 2023 Twelve Months Ended December 31, 2022 Three Months Ended March 31, 2022 Balance, beginning of period $ 2,986 3,280 3,280 Originations 91 615 215 Amortization (199 ) (909 ) (225 ) Balance, end of period $ 2,878 2,986 3,270 Fair value of mortgage servicing rights $ 6,414 6,344 5,469 All of the loans sold where the Company continues to service the loans are serviced for FNMA under the individual loan sale program. The following is a summary of the risk characteristics of the loans being serviced for FNMA at March 31, 2023: Weighted Weighted Loan Average Average Principal Interest Remaining Number (Dollars in thousands) Balance Rate Term (months) of Loans Original term 15 year fixed rate $ 104,278 2.89 % 133 1,006 Original term 30 year fixed rate 428,481 3.60 306 2,678 Amortization expense for intangible assets was $0.2 million for the three March 31, 2023 2022. March 31, 2023 December 31, 2022 March 31, 2023 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 6,026 (3,148 ) 2,878 Goodwill 802 0 802 Total $ 6,828 (3,148 ) 3,680 December 31, 2022 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,995 (3,009 ) 2,986 Goodwill 802 0 802 Total $ 6,797 (3,009 ) 3,788 The following table indicates the estimated future amortization expense for mortgage servicing rights: (Dollars in thousands) Mortgage Servicing Rights Year ending December 31, 2023 $ 537 2024 676 2025 611 2026 515 2027 339 Thereafter 200 Total $ 2,878 Projections of amortization are based on existing asset balances and the existing interest rate environment as of March 31, 2023. may No not may Goodwill was tested for impairment at March 31, 2023 not no

Note 11 - Leases

Note 11 - Leases	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	( 11 Leases The Company accounts for its leases in accordance with ASC Topic 842. The Company’s leases relate to office space and bank branches with remaining lease terms between seventeen fifty-six three ten not not March 31, 2023 three March 31, 2023 2022. The table below summarizes other information related to the Company’s operating leases: (Dollars in thousands) Three Months Ended Three Months Ended Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 55 57 Weighted-average remaining lease term – operating leases, in years 2.6 2.2 Weighted-average discount rate – operating leases 2.66 % 1.83 % The table below summarizes the maturity of remaining lease liabilities at March 31, 2023: (Dollars in thousands) March 31, 2023 2023 $ 175 2024 212 2025 58 2026 27 2027 25 Total lease payments 497 Less: Interest (18 ) Present value of lease liabilities $ 479

Note 12 - Earnings Per Common S

Note 12 - Earnings Per Common Share	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	( 12 Earnings per Common Share The following table reconciles the weighted average shares outstanding and the earnings available to common stockholders used for basic and diluted earnings per common share: Three Months Ended (Dollars in thousands, except per share data) 2023 2022 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,338,922 4,391,325 Net dilutive effect of: Restricted stock awards and options 29,112 33,878 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,368,034 4,425,203 Income available to common stockholders $ 1,634 1,487 Basic earnings per common share $ 0.38 0.34 Diluted earnings per common share $ 0.37 0.34

Note 13 - Regulatory Capital an

Note 13 - Regulatory Capital and Oversight	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	( 13 Regulatory Capital and Oversight The Bank is subject to the Basel III regulatory capital requirements. The Basel III requirements, among other things, (i) apply a set of capital requirements to the Bank, including requirements relating to common equity as a component of core capital, (ii) implement a “capital conservation buffer” against risk and a higher minimum Tier 1 The FRB amended its Small Bank Holding Company Policy Statement (Policy Statement), to exempt small bank holding companies with assets less than $3 Quantitative measures established by regulations to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table and defined in the regulation) of common equity Tier 1 1 1 The Bank’s average total assets and adjusted total assets for the first 2023 March 31, 2023 Actual Required to be Adequately Capitalized Excess Capital To Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) March 31, 2023 Common equity Tier 1 capital $ 101,168 11.59 % $ 39,274 4.50 % $ 61,894 7.09 % $ 56,730 6.50 % Tier 1 leverage 101,168 9.20 43,977 4.00 57,191 5.20 54,971 5.00 Tier 1 risk-based capital 101,168 11.59 52,366 6.00 48,802 5.59 69,821 8.00 Total risk-based capital 112,084 12.84 69,821 8.00 42,263 4.84 87,276 10.00 ( 1 1 The Bank must maintain a capital conservation buffer of 2.50% composed of common equity Tier 1 March 31, 2023, no

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Equity [Text Block]	( 14 Stockholders Equity The Company did not first 2023. March 31, 2023, 6 March 8, 2023.

Note 15 - Commitments and Conti

Note 15 - Commitments and Contingencies	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	( 15 Commitments and Contingencies The Bank issues standby letters of credit which guarantee the performance of customers to third March 31, 2023 twenty may not From time to time, the Company is party to legal proceedings arising out of its lending and deposit operations. The Company is, and expects to become, engaged in foreclosure proceedings, collection actions, and other litigation as part of its normal banking activities. The Company examines each legal matter, and, in those situations where it determines that a particular legal matter presents loss contingencies that are both probable and reasonably estimable, establishes an appropriate accrual. In many situations, the Company is not not

Note 16 - Business Segments

Note 16 - Business Segments	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	( 16 Business Segments The Bank has been identified as a reportable operating segment in accordance with the provisions of ASC 280. not The Company evaluates performance and allocates resources based on the segment’s net income, return on average assets and return on average equity. Each corporation is managed separately with its own officers and board of directors. The following table sets forth certain information about the reconciliations of reported profit and assets for each of the Company’s reportable segments. (Dollars in thousands) Home Federal Savings Bank Other Eliminations Consolidated Total At or for the quarter ended March 31, 2023: Interest income - external customers $ 9,913 0 0 9,913 Non-interest income - external customers 1,928 0 0 1,928 Intersegment interest income 0 64 (64 ) 0 Intersegment non-interest income 58 1,748 (1,806 ) 0 Interest expense 1,914 0 (64 ) 1,850 Provision for credit losses (8 ) 0 0 (8 ) Non-interest expense 7,542 209 (58 ) 7,693 Income tax expense (benefit) 703 (31 ) 0 672 Net income 1,748 1,634 (1,748 ) 1,634 Total assets 1,071,577 100,231 (100,226 ) 1,071,582 At or for the quarter ended March 31, 2022: Interest income - external customers $ 7,565 0 0 7,565 Non-interest income - external customers 2,375 0 0 2,375 Intersegment interest income 0 9 (9 ) 0 Intersegment non-interest income 59 1,638 (1,697 ) 0 Interest expense 292 0 (9 ) 283 Provision for credit losses 296 0 0 296 Non-interest expense 7,106 205 (59 ) 7,252 Income tax expense (benefit) 667 (45 ) 0 622 Net income 1,638 1,487 (1,638 ) 1,487 Total assets 1,028,627 100,755 (99,984 ) 1,029,398

Note 4 - Fair Value Measureme_2

Note 4 - Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Carrying Value at March 31, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 239,693 0 239,693 0 Equity securities 266 0 266 0 Mortgage loan commitments (10 ) 0 (10 ) 0 Total $ 239,949 0 239,949 0 Carrying Value at December 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 246,019 0 246,019 0 Equity securities 225 0 225 0 Mortgage loan commitments (28 ) 0 (28 ) 0 Total $ 246,216 0 246,216 0
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying Value at March 31, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three Months Ended March 31, 2023 Total Losses Loans held for sale $ 567 0 567 0 4 Mortgage servicing rights, net 2,878 0 2,878 0 0 Collateral dependent loans 1,915 0 1,915 0 (43 ) Total $ 5,360 0 5,360 0 (39 ) Carrying Value at December 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year Ended December 31, 2022 Total Losses Loans held for sale $ 1,314 0 1,314 0 3 Mortgage servicing rights, net 2,986 0 2,986 0 0 Impaired loans 1,978 0 1,978 0 (46 ) Total $ 6,278 0 6,278 0 (43 )

Note 5 - Fair Value of Financ_2

Note 5 - Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2023 December 31, 2022 Fair Value Hierarchy Fair Value Hierarchy (Dollars in thousands) Carrying Amount Estimated Fair Value Level 1 Level 2 Level 3 Contract Amount Carrying Amount Estimated Fair Value Level 1 Level 2 Level 3 Contract Amount Financial assets: Cash and cash equivalents $ 10,120 10,120 10,120 36,259 36,259 36,259 Securities available for sale 239,693 239,693 239,693 246,019 246,019 246,019 Equity securities 266 266 266 225 225 225 Loans held for sale 567 567 567 1,314 1,314 1,314 Loans receivable, net 785,982 724,482 724,482 777,078 724,497 724,497 Federal Home Loan Bank stock 1,408 1,408 1,408 1,283 1,283 1,283 Accrued interest receivable 3,199 3,199 3,199 3,003 3,003 3,003 Mortgage servicing assets 2,878 6,414 6,414 2,986 6,344 6,344 Financial liabilities: Deposits 958,318 892,622 892,622 981,926 983,420 983,420 Other borrowings 2,300 2,300 2,300 0 0 0 Accrued interest payable 1,049 1,049 1,049 298 298 298 Off-balance sheet financial instruments: Commitments to extend credit (10 ) (10 ) 224,037 (28 ) (28 ) 232,940 Commitments to sell loans 4 4 4,140 8 8 6,575

Note 6 - Other Comprehensive _2

Note 6 - Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Comprehensive Income (Loss) [Table Text Block]	For the period ended March 31, (Dollars in thousands) 2023 2022 Securities available for sale: Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Unrealized gains (losses) arising during the period $ 2,845 599 2,246 (13,746 ) (3,728 ) (10,018 ) Other comprehensive income (loss) $ 2,845 599 2,246 (13,746 ) (3,728 ) (10,018 )

Note 7 - Securities Available_2

Note 7 - Securities Available for Sale (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Unrealized Loss on Investments [Table Text Block]	Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses March 31, 2023 Mortgage backed securities: Federal National Mortgage Association 0 $ 0 0 34 $ 101,000 (11,599 ) $ 101,000 (11,599 ) Federal Home Loan Mortgage 0 0 0 24 84,800 (10,013 ) 84,800 (10,013 ) Collateralized mortgage obligations: FNMA 0 0 0 1 36 (2 ) 36 (2 ) Other marketable securities: U.S. Government agency obligations 2 9,839 (161 ) 9 43,563 (1,435 ) 53,402 (1,596 ) Corporate preferred stock 0 0 0 1 455 (245 ) 455 (245 ) Total temporarily impaired securities 2 $ 9,839 (161 ) 69 $ 229,854 (23,294 ) $ 239,693 (23,455 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2022 Mortgage backed securities: FNMA 12 $ 19,337 (1,629 ) 22 $ 85,599 (11,125 ) $ 104,936 (12,754 ) FHLMC 4 10,542 (1,214 ) 20 77,174 (9,963 ) 87,716 (11,177 ) Collateralized mortgage obligations: FNMA 1 36 (2 ) 0 0 0 36 (2 ) Other marketable securities: U.S. government agency obligations 4 19,334 (667 ) 7 33,507 (1,490 ) 52,841 (2,157 ) Corporate preferred stock 0 0 0 1 490 (210 ) 490 (210 ) Total temporarily impaired securities 21 $ 49,249 (3,512 ) 50 $ 196,770 (22,788 ) $ 246,019 (26,300 )
Debt Securities, Available-for-Sale [Table Text Block]	(Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2023 Mortgage-backed securities: FNMA $ 112,599 0 (11,599 ) 101,000 FHLMC 94,813 0 (10,013 ) 84,800 Collateralized mortgage obligations: FNMA 38 0 (2 ) 36 207,450 0 (21,614 ) 185,836 Other marketable securities: U.S. Government agency obligations 54,998 0 (1,596 ) 53,402 Corporate preferred stock 700 0 (245 ) 455 55,698 0 (1,841 ) 53,857 $ 263,148 0 (23,455 ) 239,693 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2022 Mortgage-backed securities: FNMA $ 117,690 0 (12,754 ) 104,936 FHLMC 98,893 0 (11,177 ) 87,716 Collateralized mortgage obligations: FNMA 38 0 (2 ) 36 216,621 0 (23,933 ) 192,688 Other marketable securities: U.S. Government agency obligations 54,998 0 (2,157 ) 52,841 Corporate preferred stock 700 0 (210 ) 490 55,698 0 (2,367 ) 53,331 $ 272,319 0 (26,300 ) 246,019
Available-for-Sale Securities [Member]
Notes Tables
Contractual Obligation, Fiscal Year Maturity [Table Text Block]	(Dollars in thousands) Amortized Cost Fair Value Due less than one year $ 78,761 73,186 Due after one year through five years 136,725 123,983 Due after five years through fifteen years 47,658 42,521 Due after fifteen years 4 3 Total $ 263,148 239,693

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Summary of Loans Receivable [Table Text Block]	(Dollars in thousands) March 31, 2023 December 31, 2022 Single family $ 208,321 205,890 Commercial real estate: Real estate rental and leasing 252,339 249,783 Other 222,384 221,562 474,723 471,345 Consumer 47,852 44,817 Commercial business 66,929 65,835 Total loans 797,825 787,887 Less: Unamortized discounts 14 13 Net deferred loan fees 487 519 Allowance for credit losses 11,342 10,277 Total loans receivable, net $ 785,982 777,078

Note 9 - Allowance for Credit_2

Note 9 - Allowance for Credit Losses and Credit Quality Information (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total Balance, December 31, 2022 $ 1,261 7,026 1,058 932 10,277 January 1, 2023 adoption of ASU 2016-13 (259 ) 512 (485 ) 1,302 1,070 Provision for losses (44 ) 23 46 (57 ) (32 ) Recoveries 1 0 1 25 27 Balance, March 31, 2023 $ 959 7,561 620 2,202 11,342 Balance, December 31, 2021 $ 974 6,388 981 936 9,279 Provision for losses 28 107 10 151 296 Charge-offs 0 0 (1 ) 0 (1 ) Recoveries 0 0 1 9 10 Balance, March 31, 2022 $ 1,002 6,495 991 1,096 9,584 Allocated to: Individual allowance $ 33 0 112 17 162 Collective allowance 1,228 7,026 946 915 10,115 Balance, December 31, 2022 $ 1,261 7,026 1,058 932 10,277 Allocated to: Individual allowance $ 31 0 133 39 203 Collective allowance 928 7,561 487 2,163 11,139 Balance, March 31, 2023 $ 959 7,561 620 2,202 11,342 Loans receivable at December 31, 2022: Individually reviewed for impairment $ 908 179 492 561 2,140 Collectively reviewed for impairment 204,982 471,166 44,325 65,274 785,747 Ending balance $ 205,890 471,345 44,817 65,835 787,887 Loans receivable at March 31, 2023: Individually reviewed for impairment $ 890 178 544 505 2,117 Collectively reviewed for impairment 207,431 474,545 47,308 66,424 795,708 Ending balance $ 208,321 474,723 47,852 66,929 797,825
Provision for Credit Losses [Table Text Block]	Three months ended (Dollars in thousands) March 31, 2023 March 31, 2022 Provision for credit losses on: Loans (1) $ (32 ) 296 Unfunded commitments 24 0 Total $ (8 ) 296
Financing Receivable Credit Quality Indicators [Table Text Block]	(Dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Total Single family Pass $ 7,493 63,226 66,964 38,104 11,775 18,332 0 205,894 Special Mention 0 394 335 0 0 0 0 729 Substandard 0 661 148 83 191 572 0 1,655 Doubtful 0 0 0 0 26 17 0 43 Loss 0 0 0 0 0 0 0 0 7,493 64,281 67,447 38,187 11,992 18,921 0 208,321 Commercial Real Estate Pass 16,071 202,842 121,182 74,731 15,640 13,117 0 443,583 Special Mention 0 948 874 11,251 0 2,156 0 15,229 Substandard 1,251 1,989 292 11,228 656 495 0 15,911 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 17,322 205,779 122,348 97,210 16,296 15,768 0 474,723 Consumer Pass 6,740 10,031 2,124 2,553 3,226 6,171 16,400 47,245 Special Mention 20 0 0 0 0 0 0 20 Substandard 0 30 139 0 4 172 113 458 Doubtful 0 17 0 0 0 0 0 17 Loss 0 1 36 0 0 26 49 112 6,760 10,079 2,299 2,553 3,230 6,369 16,562 47,852 Commercial Business Pass 7,456 10,858 4,749 4,578 332 1,053 32,051 61,077 Special Mention 0 1,555 0 0 0 0 1,620 3,175 Substandard 81 731 293 667 42 42 821 2,677 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 7,537 13,144 5,042 5,245 374 1,095 34,492 66,929 Total Loans $ 39,112 293,283 197,136 143,195 31,892 42,153 51,054 797,825
Financing Receivable, Past Due [Table Text Block]	(Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Loans Total Loans Loans 90 Days or More Past Due and Still Accruing March 31, 2023 Single family $ 340 0 453 793 207,528 208,321 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 252,339 252,339 0 Other 0 0 0 0 222,384 222,384 0 Consumer 270 0 163 433 47,419 47,852 0 Commercial business 0 0 0 0 66,929 66,929 0 $ 610 0 616 1,226 796,599 797,825 0 December 31, 2022 Single family $ 380 145 481 1,006 204,884 205,890 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 249,783 249,783 0 Other 578 0 0 578 220,984 221,562 0 Consumer 394 123 88 605 44,212 44,817 0 Commercial business 0 0 0 0 65,835 65,835 0 $ 1,352 268 569 2,189 785,698 787,887 0
Impaired Financing Receivables [Table Text Block]	March 31, 2023 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 655 673 0 Commercial real estate: Other 178 178 0 Consumer 371 371 0 Loans with an allowance recorded: Single family 235 235 31 Consumer 173 173 133 Commercial business 505 505 39 Total: Single family 890 908 31 Commercial real estate: Other (1) 178 178 0 Consumer (2) 544 544 133 Commercial business (3) 505 505 39 $ 2,117 2,135 203 December 31, 2022 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 667 685 0 Commercial real estate: Other 179 179 0 Consumer 338 338 0 Loans with an allowance recorded: Single family 241 241 33 Consumer 154 154 112 Commercial business 561 561 17 Total: Single family 908 926 33 Commercial real estate: Other (1) 179 179 0 Consumer (2) 492 492 112 Commercial business (3) 561 561 17 $ 2,140 2,158 162 March 31, 2022 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 324 2 Commercial real estate: Other 187 0 Consumer 389 2 Loans with an allowance recorded: Single family 86 0 Commercial real estate: Other 3,467 0 Consumer 146 1 Commercial business 7 0 Total: Single family 410 2 Commercial real estate: Other 3,654 0 Consumer 535 3 Commercial business 7 0 $ 4,606 5
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) March 31, 2023 December 31, 2022 Single family $ 890 $ 908 Consumer 494 441 Commercial business 474 529 $ 1,858 $ 1,878

Note 10 - Intangible Assets (Ta

Note 10 - Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Servicing Liability at Amortized Cost [Table Text Block]	(Dollars in thousands) Three Months Ended March 31, 2023 Twelve Months Ended December 31, 2022 Three Months Ended March 31, 2022 Balance, beginning of period $ 2,986 3,280 3,280 Originations 91 615 215 Amortization (199 ) (909 ) (225 ) Balance, end of period $ 2,878 2,986 3,270 Fair value of mortgage servicing rights $ 6,414 6,344 5,469
Summary of Risk Characteristics of Loans Being Serviced [Table Text Block]	Weighted Weighted Loan Average Average Principal Interest Remaining Number (Dollars in thousands) Balance Rate Term (months) of Loans Original term 15 year fixed rate $ 104,278 2.89 % 133 1,006 Original term 30 year fixed rate 428,481 3.60 306 2,678
Schedule of Finite-Lived Intangible Assets [Table Text Block]	March 31, 2023 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 6,026 (3,148 ) 2,878 Goodwill 802 0 802 Total $ 6,828 (3,148 ) 3,680 December 31, 2022 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,995 (3,009 ) 2,986 Goodwill 802 0 802 Total $ 6,797 (3,009 ) 3,788
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	(Dollars in thousands) Mortgage Servicing Rights Year ending December 31, 2023 $ 537 2024 676 2025 611 2026 515 2027 339 Thereafter 200 Total $ 2,878

Note 11 - Leases (Tables)

Note 11 - Leases (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Other Information Related to Operating Leases [Table Text Block]	(Dollars in thousands) Three Months Ended Three Months Ended Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 55 57 Weighted-average remaining lease term – operating leases, in years 2.6 2.2 Weighted-average discount rate – operating leases 2.66 % 1.83 %
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	(Dollars in thousands) March 31, 2023 2023 $ 175 2024 212 2025 58 2026 27 2027 25 Total lease payments 497 Less: Interest (18 ) Present value of lease liabilities $ 479

Note 12 - Earnings Per Common_2

Note 12 - Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended (Dollars in thousands, except per share data) 2023 2022 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,338,922 4,391,325 Net dilutive effect of: Restricted stock awards and options 29,112 33,878 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,368,034 4,425,203 Income available to common stockholders $ 1,634 1,487 Basic earnings per common share $ 0.38 0.34 Diluted earnings per common share $ 0.37 0.34

Note 13 - Regulatory Capital _2

Note 13 - Regulatory Capital and Oversight (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Required to be Adequately Capitalized Excess Capital To Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) March 31, 2023 Common equity Tier 1 capital $ 101,168 11.59 % $ 39,274 4.50 % $ 61,894 7.09 % $ 56,730 6.50 % Tier 1 leverage 101,168 9.20 43,977 4.00 57,191 5.20 54,971 5.00 Tier 1 risk-based capital 101,168 11.59 52,366 6.00 48,802 5.59 69,821 8.00 Total risk-based capital 112,084 12.84 69,821 8.00 42,263 4.84 87,276 10.00

Note 16 - Business Segments (Ta

Note 16 - Business Segments (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	(Dollars in thousands) Home Federal Savings Bank Other Eliminations Consolidated Total At or for the quarter ended March 31, 2023: Interest income - external customers $ 9,913 0 0 9,913 Non-interest income - external customers 1,928 0 0 1,928 Intersegment interest income 0 64 (64 ) 0 Intersegment non-interest income 58 1,748 (1,806 ) 0 Interest expense 1,914 0 (64 ) 1,850 Provision for credit losses (8 ) 0 0 (8 ) Non-interest expense 7,542 209 (58 ) 7,693 Income tax expense (benefit) 703 (31 ) 0 672 Net income 1,748 1,634 (1,748 ) 1,634 Total assets 1,071,577 100,231 (100,226 ) 1,071,582 At or for the quarter ended March 31, 2022: Interest income - external customers $ 7,565 0 0 7,565 Non-interest income - external customers 2,375 0 0 2,375 Intersegment interest income 0 9 (9 ) 0 Intersegment non-interest income 59 1,638 (1,697 ) 0 Interest expense 292 0 (9 ) 283 Provision for credit losses 296 0 0 296 Non-interest expense 7,106 205 (59 ) 7,252 Income tax expense (benefit) 667 (45 ) 0 622 Net income 1,638 1,487 (1,638 ) 1,487 Total assets 1,028,627 100,755 (99,984 ) 1,029,398

Note 1 - Description of the B_2

Note 1 - Description of the Business and Summary of Significant Accounting Policies (Details Textual)	3 Months Ended
	Mar. 31, 2023
Percentage Of Ownership In Subsidiaries	100%
Number of Wholly Owned Subsidiaries	2

Note 3 - New Accounting Stand_2

Note 3 - New Accounting Standards (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2023	Jan. 01, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss	$ 11,342		$ 10,277	$ 9,584	$ 9,279
Retained Earnings (Accumulated Deficit)	138,952		138,409
Off-Balance-Sheet, Credit Loss, Liability	$ 100
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss		$ 1,100	$ 1,070
Deferred Tax Assets, Gross		300
Retained Earnings (Accumulated Deficit)		(800)
Off-Balance-Sheet, Credit Loss, Liability		$ 100

Note 4 - Fair Value Measureme_3

Note 4 - Fair Value Measurements - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale	$ 239,693	$ 246,019
Fair Value, Recurring [Member]
Securities available for sale	239,693	246,019
Equity securities	266	225
Mortgage loan commitments	(10)	(28)
Total	239,949	246,216
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Equity securities	0	0
Mortgage loan commitments	0	0
Total	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	239,693	246,019
Equity securities	266	225
Mortgage loan commitments	(10)	(28)
Total	239,949	246,216
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Equity securities	0	0
Mortgage loan commitments	0	0
Total	$ 0	$ 0

Note 4 - Fair Value Measureme_4

Note 4 - Fair Value Measurements - Assets Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Loans held for sale, Total gains (losses)	$ 4	$ 3
Mortgage servicing rights, Total gains (losses)	0	0
Collateral dependent loans	(43)
Total, Total gains (losses)	(39)	(43)
Impaired loans, Total gains (losses)		(46)
Fair Value, Nonrecurring [Member]
Loans held for sale	567	1,314
Mortgage servicing rights, net	2,878	2,986
Collateral dependent loans	1,915	1,978
Total	5,360	6,278
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale	0	0
Mortgage servicing rights, net	0	0
Collateral dependent loans	0	0
Total	0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale	567	1,314
Mortgage servicing rights, net	2,878	2,986
Collateral dependent loans	1,915	1,978
Total	5,360	6,278
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	0	0
Mortgage servicing rights, net	0	0
Collateral dependent loans	0	0
Total	$ 0	$ 0

Note 5 - Fair Value of Financ_3

Note 5 - Fair Value of Financial Instruments - Estimated Fair Value of Company's Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale	$ 239,693	$ 246,019
Commitments to extend credit	224,037	232,940
Commitments to sell loans	4,140	6,575
Reported Value Measurement [Member]
Cash and cash equivalents	10,120	36,259
Securities available for sale	239,693	246,019
Equity securities	266	225
Loans held for sale	567	1,314
Loans receivable, net	785,982	777,078
Federal Home Loan Bank stock	1,408	1,283
Accrued interest receivable	3,199	3,003
Mortgage servicing assets	2,878	2,986
Deposits	958,318	981,926
Other borrowings	2,300	0
Accrued interest payable	1,049	298
Commitments to extend credit	(10)	(28)
Commitments to sell loans	4	8
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	10,120	36,259
Securities available for sale	239,693	246,019
Equity securities	266	225
Loans held for sale	567	1,314
Loans receivable, net	724,482	724,497
Federal Home Loan Bank stock	1,408	1,283
Accrued interest receivable	3,199	3,003
Mortgage servicing assets	6,414	6,344
Deposits	892,622	983,420
Other borrowings	2,300	0
Accrued interest payable	1,049	298
Commitments to extend credit	(10)	(28)
Commitments to sell loans	4	8
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	10,120	36,259
Securities available for sale
Equity securities
Loans held for sale
Loans receivable, net
Federal Home Loan Bank stock
Accrued interest receivable
Mortgage servicing assets
Deposits
Other borrowings
Accrued interest payable
Commitments to extend credit
Commitments to sell loans
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents
Securities available for sale	239,693	246,019
Equity securities	266	225
Loans held for sale	567	1,314
Loans receivable, net	724,482	724,497
Federal Home Loan Bank stock	1,408	1,283
Accrued interest receivable	3,199	3,003
Mortgage servicing assets
Deposits	892,622	983,420
Other borrowings	2,300	0
Accrued interest payable	1,049	298
Commitments to extend credit
Commitments to sell loans
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents
Securities available for sale
Equity securities
Loans held for sale
Loans receivable, net
Federal Home Loan Bank stock
Accrued interest receivable
Mortgage servicing assets	6,414	6,344
Deposits
Other borrowings
Accrued interest payable
Commitments to extend credit
Commitments to sell loans

Note 6 - Other Comprehensive _3

Note 6 - Other Comprehensive Income (Loss) - Components of Other Comprehensive (Loss) Income and Related Tax Effects (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Unrealized gains (losses) arising during the period	$ 2,845	$ (13,746)
Unrealized gains (losses) arising during the period, tax	599	(3,728)
Unrealized gains (losses) arising during the period, net of tax	2,246	(10,018)
Other comprehensive income (loss)	2,845	(13,746)
Other comprehensive income (loss), tax	599	(3,728)
Other comprehensive income (loss), net of tax	$ 2,246	$ (10,018)

Note 7 - Securities Available_3

Note 7 - Securities Available for Sale (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Mar. 31, 2023
Other-than-temporary Impairment Loss, Available-for-Sale Debt Securities	$ 0
Available for Sale Securities, Accrued Interest Receivable		$ 400
Asset Pledged as Collateral [Member] | Deposits [Member]
Securities Held as Collateral, at Fair Value	$ 45,900	$ 44,000

Note 7 - Securities Available_4

Note 7 - Securities Available for Sale - Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Less Than Twelve Months # of Investments	2	21
Less Than Twelve Months Fair Value	$ 9,839	$ 49,249
Less Than Twelve Months Unrealized Losses	$ (161)	$ (3,512)
Twelve Months or More # of Investments	69	50
Twelve Months or More Fair Value	$ 229,854	$ 196,770
Twelve Months or More Unrealized Losses	(23,294)	(22,788)
Total fair value	239,693	246,019
Total temporarily impaired securities	$ (23,455)	$ (26,300)
Mortgage Backed Securities, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Less Than Twelve Months # of Investments	0	12
Less Than Twelve Months Fair Value	$ 0	$ 19,337
Less Than Twelve Months Unrealized Losses	$ 0	$ (1,629)
Twelve Months or More # of Investments	34	22
Twelve Months or More Fair Value	$ 101,000	$ 85,599
Twelve Months or More Unrealized Losses	(11,599)	(11,125)
Total fair value	101,000	104,936
Total temporarily impaired securities	$ (11,599)	$ (12,754)
Mortgage Backed Securities, Issued by Us Government Sponsored Enterprises, Federal Home Loan Mortgage Corporation Certificates and Obligations FHLMC [Member]
Less Than Twelve Months # of Investments	0	4
Less Than Twelve Months Fair Value	$ 0	$ 10,542
Less Than Twelve Months Unrealized Losses	$ 0	$ (1,214)
Twelve Months or More # of Investments	24	20
Twelve Months or More Fair Value	$ 84,800	$ 77,174
Twelve Months or More Unrealized Losses	(10,013)	(9,963)
Total fair value	84,800	87,716
Total temporarily impaired securities	$ (10,013)	$ (11,177)
Mortgage Backed Securities, Issued by Us Government Sponsored Enterprises, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Less Than Twelve Months # of Investments	0	1
Less Than Twelve Months Fair Value	$ 0	$ 36
Less Than Twelve Months Unrealized Losses	$ 0	$ (2)
Twelve Months or More # of Investments	1	0
Twelve Months or More Fair Value	$ 36	$ 0
Twelve Months or More Unrealized Losses	(2)	0
Total fair value	36	36
Total temporarily impaired securities	$ (2)	$ (2)
Other Marketable Securities, Us Government Agencies Debt Securities [Member]
Less Than Twelve Months # of Investments	2	4
Less Than Twelve Months Fair Value	$ 9,839	$ 19,334
Less Than Twelve Months Unrealized Losses	$ (161)	$ (667)
Twelve Months or More # of Investments	9	7
Twelve Months or More Fair Value	$ 43,563	$ 33,507
Twelve Months or More Unrealized Losses	(1,435)	(1,490)
Total fair value	53,402	52,841
Total temporarily impaired securities	$ (1,596)	$ (2,157)
Other Marketable Securities, Corporate Preferred Stock [Member]
Less Than Twelve Months # of Investments	0	0
Less Than Twelve Months Fair Value	$ 0	$ 0
Less Than Twelve Months Unrealized Losses	$ 0	$ 0
Twelve Months or More # of Investments	1	1
Twelve Months or More Fair Value	$ 455	$ 490
Twelve Months or More Unrealized Losses	(245)	(210)
Total fair value	455	490
Total temporarily impaired securities	$ (245)	$ (210)

Note 7 - Securities Available_5

Note 7 - Securities Available for Sale - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale, amortized cost	$ 263,148	$ 272,319
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(23,455)	(26,300)
Securities available for sale	239,693	246,019
Mortgage Backed Securities, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Securities available for sale, amortized cost	112,599	117,690
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(11,599)	(12,754)
Securities available for sale	101,000	104,936
Mortgage Backed Securities, Issued by Us Government Sponsored Enterprises, Federal Home Loan Mortgage Corporation Certificates and Obligations FHLMC [Member]
Securities available for sale, amortized cost	94,813	98,893
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(10,013)	(11,177)
Securities available for sale	84,800	87,716
Mortgage Backed Securities, Issued by Us Government Sponsored Enterprises, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Securities available for sale, amortized cost	38	38
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(2)	(2)
Securities available for sale	36	36
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	207,450	216,621
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(21,614)	(23,933)
Securities available for sale	185,836	192,688
Other Marketable Securities, Us Government Agencies Debt Securities [Member]
Securities available for sale, amortized cost	54,998	54,998
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(1,596)	(2,157)
Securities available for sale	53,402	52,841
Other Marketable Securities, Corporate Preferred Stock [Member]
Securities available for sale, amortized cost	700	700
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(245)	(210)
Securities available for sale	455	490
Other Marketable Securities [Member]
Securities available for sale, amortized cost	55,698	55,698
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(1,841)	(2,367)
Securities available for sale	$ 53,857	$ 53,331

Note 7 - Securities Available_6

Note 7 - Securities Available for Sale - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Due less than one year, amortized cost	$ 78,761
Due less than one year, fair value	73,186
Due after one year through five years, amortized cost	136,725
Due after one year through five years, fair value	123,983
Due after five years through fifteen years, amortized cost	47,658
Due after five years through fifteen years, fair value	42,521
Due after fifteen years, amortized cost	4
Due after fifteen years, fair value	3
Total, amortized cost	263,148	$ 272,319
Total, fair value	$ 239,693	$ 246,019

Note 8 - Loans Receivable, Ne_2

Note 8 - Loans Receivable, Net - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Loans receivable	$ 797,825	$ 787,887
Unamortized discounts	14	13
Net deferred loan fees	487	519
Allowance for credit losses	11,342	10,277	$ 9,584	$ 9,279
Total loans receivable, net	785,982	777,078
Residential Portfolio Segment [Member]
Loans receivable	208,321	205,890
Allowance for credit losses	959	1,261	1,002	974
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	474,723	471,345
Allowance for credit losses	7,561	7,026	6,495	6,388
Consumer Portfolio Segment [Member]
Loans receivable	47,852	44,817
Allowance for credit losses	620	1,058	991	981
Commercial Portfolio Segment [Member]
Loans receivable	66,929	65,835
Allowance for credit losses	2,202	932	$ 1,096	$ 936
Single Family Segment [Member] | Residential Portfolio Segment [Member]
Loans receivable	208,321	205,890
Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	252,339	249,783
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	$ 222,384	$ 221,562

Note 9 - Allowance for Credit_3

Note 9 - Allowance for Credit Losses and Credit Quality Information (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accrued Interest Receivable from Amortized Cost Basis of Loans	$ 2,800
Off-Balance-Sheet, Credit Loss, Liability	100
Financing Receivable, Nonaccrual	1,858	$ 1,878
Impaired Financing Receivable, Related Allowance	203	162
Loan Receivable for Which Value of Collateral Sufficient to Repay	1,000	1,000
Residential Portfolio Segment [Member]
Financing Receivable, Nonaccrual	890	908
Impaired Financing Receivable, Related Allowance	31	33
Residential Portfolio Segment [Member] | Single Family Segment [Member]
Mortgage Loans in Process of Foreclosure, Amount	200	200
Nonperforming Financial Instruments [Member]
Financing Receivable, Nonaccrual	1,900	1,900
Impaired Financing Receivable, Related Allowance	$ 200	$ 200

Note 9 - Allowance for Credit_4

Note 9 - Allowance for Credit Losses and Credit Quality Information - Allowance for Loan Losses (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022	Jan. 01, 2023	Dec. 31, 2022
Balance		$ 10,277	$ 9,279
Provision for losses	[1]	(32)	296
Recoveries		27	10
Charge-offs			(1)
Balance		11,342	9,584
Individual allowance		203			$ 162
Collective allowance		11,139			10,115
Allowance for credit losses		11,342	9,584		10,277
Individually reviewed for impairment		2,117			2,140
Collectively reviewed for impairment		795,708			785,747
Ending balance		797,825			787,887
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		1,070
Allowance for credit losses				$ 1,100	1,070
Residential Portfolio Segment [Member]
Balance		1,261	974
Provision for losses		(44)	28
Recoveries		1	0
Charge-offs			0
Balance		959	1,002
Individual allowance		31			33
Collective allowance		928			1,228
Allowance for credit losses		959	1,002		1,261
Individually reviewed for impairment		890			908
Collectively reviewed for impairment		207,431			204,982
Ending balance		208,321			205,890
Residential Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		(259)
Allowance for credit losses					(259)
Commercial Real Estate Portfolio Segment [Member]
Balance		7,026	6,388
Provision for losses		23	107
Recoveries		0	0
Charge-offs			0
Balance		7,561	6,495
Individual allowance		0			0
Collective allowance		7,561			7,026
Allowance for credit losses		7,561	6,495		7,026
Individually reviewed for impairment		178			179
Collectively reviewed for impairment		474,545			471,166
Ending balance		474,723			471,345
Commercial Real Estate Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		512
Allowance for credit losses					512
Consumer Portfolio Segment [Member]
Balance		1,058	981
Provision for losses		46	10
Recoveries		1	1
Charge-offs			(1)
Balance		620	991
Individual allowance		133			112
Collective allowance		487			946
Allowance for credit losses		620	991		1,058
Individually reviewed for impairment		544			492
Collectively reviewed for impairment		47,308			44,325
Ending balance		47,852			44,817
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		(485)
Allowance for credit losses					(485)
Commercial Portfolio Segment [Member]
Balance		932	936
Provision for losses		(57)	151
Recoveries		25	9
Charge-offs			0
Balance		2,202	1,096
Individual allowance		39			17
Collective allowance		2,163			915
Allowance for credit losses		2,202	$ 1,096		932
Individually reviewed for impairment		505			561
Collectively reviewed for impairment		66,424			65,274
Ending balance		66,929			65,835
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		$ 1,302
Allowance for credit losses					$ 1,302
[1]The Company adopted ASU 2016-13 as of January 1, 2023. The 2022 amounts presented are calculated under the prior accounting standard.

Note 9 - Allowance for Credit_5

Note 9 - Allowance for Credit Losses and Credit Quality Information - Provision for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Loans (1)	[1]	$ (32)	$ 296
Unfunded commitments		24	0
Total	[2]	$ (8)	$ 296
[1]The Company adopted ASU 2016-13 as of January 1, 2023. The 2022 amounts presented are calculated under the prior accounting standard.[2]The Company adopted Accounting Standard Update (ASU) 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.

Note 9 - Allowance for Credit_6

Note 9 - Allowance for Credit Losses and Credit Quality Information - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
loans, current year	$ 39,112
loans, one year before	293,283
loans, two years before	197,136
loans, three years before	143,195
loans, four years before	31,892
loans, prior	42,153
loans, revolving	51,054
Loans receivable	797,825	$ 787,887
Residential Portfolio Segment [Member]
loans, current year	7,493
loans, one year before	64,281
loans, two years before	67,447
loans, three years before	38,187
loans, four years before	11,992
loans, prior	18,921
loans, revolving	0
Loans receivable	208,321	205,890
Residential Portfolio Segment [Member] | Pass [Member]
loans, current year	7,493
loans, one year before	63,226
loans, two years before	66,964
loans, three years before	38,104
loans, four years before	11,775
loans, prior	18,332
loans, revolving	0
Loans receivable	205,894
Residential Portfolio Segment [Member] | Special Mention [Member]
loans, current year	0
loans, one year before	394
loans, two years before	335
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	729
Residential Portfolio Segment [Member] | Substandard [Member]
loans, current year	0
loans, one year before	661
loans, two years before	148
loans, three years before	83
loans, four years before	191
loans, prior	572
loans, revolving	0
Loans receivable	1,655
Residential Portfolio Segment [Member] | Doubtful [Member]
loans, current year	0
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	26
loans, prior	17
loans, revolving	0
Loans receivable	43
Residential Portfolio Segment [Member] | Loss [Member]
loans, current year	0
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	0
Commercial Real Estate Portfolio Segment [Member]
loans, current year	17,322
loans, one year before	205,779
loans, two years before	122,348
loans, three years before	97,210
loans, four years before	16,296
loans, prior	15,768
loans, revolving	0
Loans receivable	474,723	471,345
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
loans, current year	16,071
loans, one year before	202,842
loans, two years before	121,182
loans, three years before	74,731
loans, four years before	15,640
loans, prior	13,117
loans, revolving	0
Loans receivable	443,583
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
loans, current year	0
loans, one year before	948
loans, two years before	874
loans, three years before	11,251
loans, four years before	0
loans, prior	2,156
loans, revolving	0
Loans receivable	15,229
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
loans, current year	1,251
loans, one year before	1,989
loans, two years before	292
loans, three years before	11,228
loans, four years before	656
loans, prior	495
loans, revolving	0
Loans receivable	15,911
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]
loans, current year	0
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	0
Commercial Real Estate Portfolio Segment [Member] | Loss [Member]
loans, current year	0
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	0
Consumer Portfolio Segment [Member]
loans, current year	6,760
loans, one year before	10,079
loans, two years before	2,299
loans, three years before	2,553
loans, four years before	3,230
loans, prior	6,369
loans, revolving	16,562
Loans receivable	47,852	44,817
Consumer Portfolio Segment [Member] | Pass [Member]
loans, current year	6,740
loans, one year before	10,031
loans, two years before	2,124
loans, three years before	2,553
loans, four years before	3,226
loans, prior	6,171
loans, revolving	16,400
Loans receivable	47,245
Consumer Portfolio Segment [Member] | Special Mention [Member]
loans, current year	20
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	20
Consumer Portfolio Segment [Member] | Substandard [Member]
loans, current year	0
loans, one year before	30
loans, two years before	139
loans, three years before	0
loans, four years before	4
loans, prior	172
loans, revolving	113
Loans receivable	458
Consumer Portfolio Segment [Member] | Doubtful [Member]
loans, current year	0
loans, one year before	17
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	17
Consumer Portfolio Segment [Member] | Loss [Member]
loans, current year	0
loans, one year before	1
loans, two years before	36
loans, three years before	0
loans, four years before	0
loans, prior	26
loans, revolving	49
Loans receivable	112
Commercial Portfolio Segment [Member]
loans, current year	7,537
loans, one year before	13,144
loans, two years before	5,042
loans, three years before	5,245
loans, four years before	374
loans, prior	1,095
loans, revolving	34,492
Loans receivable	66,929	$ 65,835
Commercial Portfolio Segment [Member] | Pass [Member]
loans, current year	7,456
loans, one year before	10,858
loans, two years before	4,749
loans, three years before	4,578
loans, four years before	332
loans, prior	1,053
loans, revolving	32,051
Loans receivable	61,077
Commercial Portfolio Segment [Member] | Special Mention [Member]
loans, current year	0
loans, one year before	1,555
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	1,620
Loans receivable	3,175
Commercial Portfolio Segment [Member] | Substandard [Member]
loans, current year	81
loans, one year before	731
loans, two years before	293
loans, three years before	667
loans, four years before	42
loans, prior	42
loans, revolving	821
Loans receivable	2,677
Commercial Portfolio Segment [Member] | Doubtful [Member]
loans, current year	0
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	0
Commercial Portfolio Segment [Member] | Loss [Member]
loans, current year	0
loans, one year before	0
loans, two years before	0
loans, three years before	0
loans, four years before	0
loans, prior	0
loans, revolving	0
Loans receivable	$ 0

Note 9 - Allowance for Credit_7

Note 9 - Allowance for Credit Losses and Credit Quality Information - Aging of Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loans receivable	$ 797,825	$ 787,887
Loans 90 days or more past due and still accruing	0	0
Residential Portfolio Segment [Member]
Loans receivable	208,321	205,890
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	474,723	471,345
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	252,339	249,783
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	222,384	221,562
Loans 90 days or more past due and still accruing	0	0
Consumer Portfolio Segment [Member]
Loans receivable	47,852	44,817
Loans 90 days or more past due and still accruing	0	0
Commercial Portfolio Segment [Member]
Loans receivable	66,929	65,835
Loans 90 days or more past due and still accruing	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	610	1,352
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	340	380
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	578
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	270	394
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	0	268
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	0	145
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	0	123
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	616	569
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	453	481
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	163	88
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, Past Due [Member]
Loans receivable	1,226	2,189
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	793	1,006
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	578
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	433	605
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, Not Past Due [Member]
Loans receivable	796,599	785,698
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	207,528	204,884
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	252,339	249,783
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	222,384	220,984
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	47,419	44,212
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	$ 66,929	$ 65,835

Note 9 - Allowance for Credit_8

Note 9 - Allowance for Credit Losses and Credit Quality Information - Impaired Loans and Related Allowances (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2023	Dec. 31, 2022
Related allowance			$ 203	$ 162
Recorded investment			2,117	2,140
Unpaid principal balance			2,135	2,158
Average recorded investment		$ 4,606
Interest income recognized		5
Residential Portfolio Segment [Member]
Recorded investment, with no related allowance			655	667
Unpaid principal balance, with no related allowance			673	685
Recorded investment, with related allowance			235	241
Unpaid principal balance, with related allowance			235	241
Related allowance			31	33
Recorded investment			890	908
Unpaid principal balance			908	926
Average recorded investment, with no related allowance		324
Interest income recognized, with no related allowance		2
Average recorded investment, with related allowance		86
Interest income recognized, with related allowance		0
Average recorded investment		410
Interest income recognized		2
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Recorded investment, with no related allowance			178	179
Unpaid principal balance, with no related allowance			178	179
Recorded investment, with related allowance	[1]		178	179
Unpaid principal balance, with related allowance	[1]		178	179
Related allowance	[1]		0	0
Average recorded investment, with no related allowance		187
Interest income recognized, with no related allowance		0
Average recorded investment, with related allowance		3,467
Interest income recognized, with related allowance		0
Average recorded investment		3,654
Interest income recognized		0
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance			371	338
Unpaid principal balance, with no related allowance			371	338
Recorded investment, with related allowance			173	154
Unpaid principal balance, with related allowance			173	154
Related allowance	[2]		133	112
Recorded investment	[2]		544	492
Unpaid principal balance	[2]		544	492
Average recorded investment, with no related allowance		389
Interest income recognized, with no related allowance		2
Average recorded investment, with related allowance		146
Interest income recognized, with related allowance		1
Average recorded investment		535
Interest income recognized		3
Commercial Portfolio Segment [Member]
Recorded investment, with related allowance			505	561
Unpaid principal balance, with related allowance			505	561
Related allowance	[3]		39	17
Recorded investment	[3]		505	561
Unpaid principal balance	[3]		$ 505	$ 561
Average recorded investment, with related allowance		7
Interest income recognized, with related allowance		0
Average recorded investment		7
Interest income recognized		$ 0
[1]Secured by commercial land.[2]Secured by second mortgages on single family housing and recreational vehicles.[3]Secured by business equipment primarily related to the farming and trucking industries.

Note 9 - Allowance for Credit_9

Note 9 - Allowance for Credit Losses and Credit Quality Information - Non-accrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Non-accrual loans	$ 1,858	$ 1,878
Residential Portfolio Segment [Member]
Non-accrual loans	890	908
Consumer Portfolio Segment [Member]
Non-accrual loans	494	441
Commercial Portfolio Segment [Member]
Non-accrual loans	$ 474	$ 529

Note 10 - Intangible Assets (De

Note 10 - Intangible Assets (Details Textual) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Mortgage Servicing Rights and Core Deposits [Member]
Amortization of Intangible Assets	$ 0.2	$ 0.2

Note 10 - Intangible Assets - M

Note 10 - Intangible Assets - Mortgage Servicing Activity (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Balance, beginning of period	$ 2,986	$ 3,280	$ 3,280
Originations	91	215	615
Amortization	(199)	(225)	(909)
Balance, end of period	2,878	3,270	2,986
Fair value of mortgage servicing rights	$ 6,414	$ 5,469	$ 6,344

Note 10 - Intangible Assets - R

Note 10 - Intangible Assets - Risk Characteristics of Loans Being Serviced (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Original Term Thirty Year Fixed Rate [Member]
Loan Principal Balance	$ 104,278
Weighted Average Interest Rate	2.89%
Weighted Average Remaining Term (Month)	133 months
Number of Loans	1,006
Original Term Fifteen Year Fixed Rate [Member]
Loan Principal Balance	$ 428,481
Weighted Average Interest Rate	3.60%
Weighted Average Remaining Term (Month)	306 months
Number of Loans	2,678

Note 10 - Intangible Assets - G

Note 10 - Intangible Assets - Gross Carrying Amount and Accumulated Amortization of Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Finite-lived intangible assets, accumulated amortization	$ (3,148)	$ (3,009)
Goodwill, gross carrying amount	802	802
Goodwill, accumulated impairment	0	0
Goodwill	802	802
Intangible assets (including goodwill), gross carrying amount	6,828	6,797
Intangible assets, unamortized intangible assets	3,680	3,788
Mortgage Servicing Rights [Member]
Finite-lived intangible assets, gross carrying amount	6,026	5,995
Finite-lived intangible assets, accumulated amortization	(3,148)	(3,009)
Finite-lived intangible assets, unamortized intangible assets	$ 2,878	$ 2,986

Note 10 - Intangible Assets - E

Note 10 - Intangible Assets - Estimated Future Amortization Expense (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
2023	$ 537
2024	676
2025	611
2026	515
2027	339
Thereafter	200
Total	$ 2,878	$ 2,986

Note 11 - Leases (Details Textu

Note 11 - Leases (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2023
Operating Lease, Cost	$ 100
Other Assets [Member]
Operating Lease, Right-of-Use Asset		$ 500
Other Liabilities [Member]
Operating Lease, Liability		$ 479
Minimum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)		17 months
Lessee, Operating Lease, Renewal Term (Year)		3 years
Maximum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)		56 months
Lessee, Operating Lease, Renewal Term (Year)		10 years

Note 11 - Leases - Summary of O

Note 11 - Leases - Summary of Other Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 55	$ 57
Weighted-average remaining lease term – operating leases (Year)	2 years 7 months 6 days	2 years 2 months 12 days
Weighted-average discount rate – operating leases	2.66%	1.83%

Note 11 - Leases - Maturity of

Note 11 - Leases - Maturity of Remaining Lease Liabilities (Details) $ in Thousands	Mar. 31, 2023 USD ($)
2023	$ 175
2024	212
2025	58
2026	27
2027	25
Total lease payments	497
Less: Interest	(18)
Other Liabilities [Member]
Operating Lease, Liability	$ 479

Note 12 - Earnings Per Common_3

Note 12 - Earnings Per Common Share - Basic and Diluted Earnings (Loss) Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Weighted average number of common shares outstanding used in basic earnings per common share calculation (in shares)	4,338,922	4,391,325
Restricted stock awards and options (in shares)	29,112	33,878
Weighted average number of shares outstanding adjusted for effect of dilutive securities (in shares)	4,368,034	4,425,203
Net income	$ 1,634	$ 1,487
Basic earnings per share (in dollars per share)	$ 0.38	$ 0.34
Diluted earnings per share (in dollars per share)	$ 0.37	$ 0.34

Note 13 - Regulatory Capital _3

Note 13 - Regulatory Capital and Oversight (Details Textual) $ in Millions	Mar. 31, 2023 USD ($)
Banks Tangible Assets	$ 1,100
Banking Regulation, Risk-Weighted Assets, Actual	$ 872.8
Banking Regulation, Capital Conservation Buffer, Common Equity Tier One Risk-Based Capital, Actual	0.0250

Note 13 - Regulatory Capital _4

Note 13 - Regulatory Capital and Oversight - Capital Amounts and Ratios (Details) $ in Thousands	Mar. 31, 2023 USD ($)
Common equity tier 1 capital, actual amount	$ 101,168
Common equity tier 1 capital, actual percent of asset	0.1159
Common equity tier 1 capital, amount required to be adequately capitalized	$ 39,274
Common equity tier 1 capital, percent of assets required to be adequately capitalized	0.0450
Common equity tier 1 capital, excess capital amount	$ 61,894
Common equity tier 1 capital, excess capital percent of assets	0.0709
Common equity tier 1 capital, amount to be well capitalized under prompt corrective action provisions	$ 56,730
Common equity tier 1 capital, percent of assets to be well capitalized under prompt corrective action provisions	0.0650
Tier 1 leverage, actual amount	$ 101,168
Tier 1 leverage, actual percent of asset	0.0920	[1]
Tier 1 leverage, amount required to be adequately capitalized	$ 43,977
Tier 1 leverage, percent of assets required to be adequately capitalized	0.0400	[1]
Tier 1 leverage, excess capital amount	$ 57,191
Tier 1 leverage, excess capital percent of assets	0.0520	[1]
Tier 1 leverage, amount to be well capitalized under prompt corrective action provisions	$ 54,971
Tier 1 leverage, percent of assets to be well capitalized under prompt corrective action provisions	0.0500	[1]
Tier 1 risk-based capital, actual amount	$ 101,168
Tier 1 risk-based capital, actual percent of asset	0.1159
Tier 1 risk-based capital, amount required to be adequately capitalized	$ 52,366
Tier 1 risk-based capital, percent of assets required to be adequately capitalized	0.0600
Tier 1 risk-based capital, excess capital amount	$ 48,802
Tier 1 risk-based capital, excess capital percent of assets	0.0559
Tier 1 risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 69,821
Tier 1 risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.0800
Total risk-based capital, actual amount	$ 112,084
Total risk-based capital, actual percent of asset	0.1284
Total risk-based capital, amount required to be adequately capitalized	$ 69,821
Total risk-based capital, percent of assets required to be adequately capitalized	0.0800
Total risk-based capital, excess capital amount	$ 42,263
Total risk-based capital, excess capital percent of assets	0.0484
Total risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 87,276
Total risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.1000
[1]Based upon the Bank’s adjusted total assets for the purpose of the Tier 1 leverage capital ratio and risk-weighted assets for the purpose of the risk-based capital ratios.

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity (Details Textual) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions		3 Months Ended
	Mar. 08, 2023	Mar. 31, 2023
Stock Repurchase Program, Authorized Amount		$ 6
Quarterly Dividend [Member]
Common Stock, Dividends, Per Share, Declared (in dollars per share)	$ 0.06
New Share Repurchase Program [Member]
Treasury Stock, Shares, Acquired (in shares)		0

Note 15 - Commitments and Con_2

Note 15 - Commitments and Contingencies (Details Textual) $ in Millions	Mar. 31, 2023 USD ($)
Letters of Credit Issued and Available Amount	$ 9.2

Note 16 - Business Segments - P

Note 16 - Business Segments - Profit and Assets for the Reportable Segments (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Interest income - external customers		$ 9,913	$ 7,565
Non-interest income - external customers		1,928	2,375
Intersegment interest income		0	0
Intersegment non-interest income		0	0
Interest expense		1,850	283
Provision for credit losses (1)	[1]	(8)	296
Non-interest expense		7,693	7,252
Income tax expense		672	622
Net income		1,634	1,487
Total assets		1,071,582	1,029,398	$ 1,096,202
Consolidation, Eliminations [Member]
Interest income - external customers		0	0
Non-interest income - external customers		0	0
Intersegment interest income		(64)	(9)
Intersegment non-interest income		(1,806)	(1,697)
Interest expense		(64)	(9)
Provision for credit losses (1)		0	0
Non-interest expense		(58)	(59)
Income tax expense		0	0
Net income		(1,748)	(1,638)
Total assets		(100,226)	(99,984)
Home Federal Savings Bank [Member] | Operating Segments [Member]
Interest income - external customers		9,913	7,565
Non-interest income - external customers		1,928	2,375
Intersegment interest income		0	0
Intersegment non-interest income		58	59
Interest expense		1,914	292
Provision for credit losses (1)		(8)	296
Non-interest expense		7,542	7,106
Income tax expense		703	667
Net income		1,748	1,638
Total assets		1,071,577	1,028,627
Other Segments [Member] | Operating Segments [Member]
Interest income - external customers		0	0
Non-interest income - external customers		0	0
Intersegment interest income		64	9
Intersegment non-interest income		1,748	1,638
Interest expense		0	0
Provision for credit losses (1)		0	0
Non-interest expense		209	205
Income tax expense		(31)	(45)
Net income		1,634	1,487
Total assets		$ 100,231	$ 100,755
[1]The Company adopted Accounting Standard Update (ASU) 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.