HMN Financial (HMNF) 10-Q 3 Aug 23 2023 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2023	Jul. 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	Q2
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 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	Jun. 30, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 13,234	$ 36,259
Securities available for sale (at fair value)	230,027	246,019
Loans held for sale (at fair value)	1,916	1,314
Loans receivable, net	826,932	777,078
Accrued interest receivable	3,395	3,003
Mortgage servicing rights, net	2,789	2,986
Premises and equipment, net	16,282	16,492
Goodwill	802	802
Prepaid expenses and other assets	5,317	3,902
Deferred tax asset, net	8,673	8,347
Total assets	1,109,367	1,096,202
Deposits	970,712	981,926
Federal Home Loan Bank advances and Federal Reserve borrowings	24,700	0
Accrued interest payable	1,115	298
Customer escrows	5,861	10,122
Accrued expenses and other liabilities	4,827	6,520
Total liabilities	1,007,215	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 4,487,362 and 4,480,976	91	91
Additional paid-in capital	41,019	41,013
Retained earnings, subject to certain restrictions	140,025	138,409
Accumulated other comprehensive loss	(16,810)	(19,761)
Unearned employee stock ownership plan shares	(966)	(1,063)
Treasury stock, at cost 4,641,300 and 4,647,686 shares	(61,207)	(61,353)
Total stockholders’ equity	102,152	97,336
Total liabilities and stockholders’ equity	1,109,367	1,096,202
Collateralized Mortgage-Backed Securities [Member]
Assets
Securities available for sale (at fair value)	176,027	192,688
Other Debt Obligations [Member]
Assets
Securities available for sale (at fair value)	$ 54,000	$ 53,331

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Securities available for sale, amortized cost	$ 253,375	$ 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)	4,487,362	4,480,976
Treasury stock, common, share (in shares)	4,641,300	4,647,686
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	$ 197,666	$ 216,621
Other Debt Obligations [Member]
Securities available for sale, amortized cost	$ 55,709	$ 55,698

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest income:
Loans receivable		$ 9,619	$ 7,165	$ 18,622	$ 13,916
Securities available for sale:
Mortgage-backed and related		600	708	1,252	1,435
Other marketable		200	108	343	169
Other		78	76	193	102
Total interest income		10,497	8,057	20,410	15,622
Interest expense:
Deposits		2,549	287	4,352	570
Customer escrows		23	0	55	0
Advances and other borrowings		197	5	212	5
Total interest expense		2,769	292	4,619	575
Net interest income		7,728	7,765	15,791	15,047
Provision for credit losses	[1]	256	66	248	362
Net interest income after provision for credit losses		7,472	7,699	15,543	14,685
Non-interest income:
Gain on sales of loans		334	814	629	1,682
Other		418	496	844	851
Total non-interest income		1,974	2,516	3,902	4,891
Non-interest expense:
Compensation and benefits		4,459	4,162	9,264	8,450
Occupancy and equipment		914	897	1,864	1,947
Data processing		545	576	1,050	930
Professional services		292	260	529	789
Other		1,247	1,088	2,443	2,119
Total non-interest expense		7,457	6,983	15,150	14,235
Income before income tax expense		1,989	3,232	4,295	5,341
Income tax expense (benefit)		568	943	1,240	1,565
Net income		1,421	2,289	3,055	3,776
Other comprehensive income (loss), net of tax		705	(6,251)	2,951	(16,269)
Comprehensive income (loss) available to common stockholders		$ 2,126	$ (3,962)	$ 6,006	$ (12,493)
Basic earnings per common share (in dollars per share)		$ 0.33	$ 0.52	$ 0.70	$ 0.86
Diluted earnings per common share (in dollars per share)		$ 0.32	$ 0.52	$ 0.70	$ 0.86
Financial Service [Member]
Non-interest income:
Revenue from Contract with Customer		$ 831	$ 810	$ 1,638	$ 1,576
Bank Servicing [Member]
Non-interest income:
Revenue from Contract with Customer		$ 391	$ 396	$ 791	$ 782
[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 ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [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	$ 40,740	$ 131,413	$ (1,583)	$ (1,256)	$ (59,374)	$ 110,031
Net income					3,776				3,776
Other comprehensive income (loss)						(16,269)			(16,269)
Dividends paid to stockholders ($0.08 per share)					(528)				(528)
Restricted stock awards				(225)				225	0
Amortization of restricted stock awards				117					117
Earned employee stock ownership plan shares				143			97		240
Stock awards withheld for tax withholding								(70)	(70)
Stock repurchases								(1,449)	(1,449)
Balance at Jun. 30, 2022			91	40,775	134,661	(17,852)	(1,159)	(60,668)	95,848
Balance at Mar. 31, 2022			91	40,695	132,634	(11,601)	(1,208)	(59,988)	100,623
Net income					2,289				2,289
Other comprehensive income (loss)						(6,251)			(6,251)
Dividends paid to stockholders ($0.08 per share)					(262)				(262)
Restricted stock awards				(43)				43	0
Amortization of restricted stock awards				55					55
Earned employee stock ownership plan shares				68			49		117
Stock awards withheld for tax withholding								(17)	(17)
Stock repurchases								(706)	(706)
Balance at Jun. 30, 2022			91	40,775	134,661	(17,852)	(1,159)	(60,668)	95,848
Balance (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022	$ (830)	$ (830)
Balance at Dec. 31, 2022			91	41,013	138,409	(19,761)	(1,063)	(61,353)	97,336
Net income					3,055				3,055
Other comprehensive income (loss)						2,951			2,951
Dividends paid to stockholders ($0.08 per share)					(609)				(609)
Restricted stock awards				(210)				210	0
Amortization of restricted stock awards				111					111
Earned employee stock ownership plan shares				105			97		202
Stock awards withheld for tax withholding								(64)	(64)
Balance at Jun. 30, 2023			91	41,019	140,025	(16,810)	(966)	(61,207)	102,152
Balance at Mar. 31, 2023			91	40,975	138,952	(17,515)	(1,014)	(61,267)	100,222
Net income					1,421				1,421
Other comprehensive income (loss)						705			705
Dividends paid to stockholders ($0.08 per share)					(348)				(348)
Restricted stock awards				(60)				60	0
Amortization of restricted stock awards				57					57
Earned employee stock ownership plan shares				47			48		95
Balance at Jun. 30, 2023			$ 91	$ 41,019	$ 140,025	$ (16,810)	$ (966)	$ (61,207)	$ 102,152

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0.08	$ 0.06	$ 0.14	$ 0.12

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2023	Jun. 30, 2022
Cash flows from operating activities:
Net income		$ 3,055	$ 3,776
Adjustments to reconcile net income to cash provided by operating activities:
Provision for credit losses	[1]	248	362
Depreciation		563	622
Amortization of premiums, net		402	547
Amortization of deferred loan fees		(90)	(313)
Amortization of mortgage servicing rights and servicing costs		412	465
Capitalized mortgage servicing rights		(215)	(419)
Deferred income tax expense		0	550
(Gains) losses recognized on equity securities, net		(62)	53
(Gains) losses on sale of premises and equipment		(9)	0
Gain on sale of real estate		0	(113)
Gain on sales of loans		(629)	(1,682)
Proceeds from sales of loans held for sale		25,550	62,240
Disbursements on loans held for sale		(23,232)	(46,343)
Amortization of restricted stock awards		111	117
Amortization of unearned Employee Stock Ownership Plan shares		97	97
Earned Employee Stock Ownership Plan shares priced above original cost		105	143
Increase in accrued interest receivable		(392)	(264)
Increase (decrease) in accrued interest payable		817	(10)
Increase in other assets		(82)	(405)
Decrease in other liabilities		(1,858)	(1,523)
Other, net		(1)	4
Net cash provided by operating activities		4,790	17,914
Cash flows from investing activities:
Principal collected on securities available for sale		18,554	24,223
Proceeds collected on maturities of securities available for sale		5,000	0
Purchases of securities available for sale		(5,013)	(30,043)
Purchase of Federal Home Loan Bank stock		(5,318)	(1,743)
Redemption of Federal Home Loan Bank stock		4,297	1,552
Proceeds from sales of real estate		0	402
Net increase in loans receivable		(53,543)	(37,436)
Proceeds from sale of premises		42	4
Purchases of premises and equipment		(386)	(202)
Net cash used by investing activities		(36,367)	(43,243)
Cash flows from financing activities:
(Decrease) increase in deposits		(11,214)	28,197
Purchase of treasury stock		0	(1,449)
Stock awards withheld for tax withholding		(64)	(70)
Dividends to stockholders		(609)	(528)
Proceeds from borrowings		128,120	31,000
Repayment of borrowings		(103,420)	(31,000)
Decrease in customer escrows		(4,261)	(10)
Net cash provided by financing activities		8,552	26,140
(Decrease) increase in cash and cash equivalents		(23,025)	811
Cash and cash equivalents, beginning of period		36,259	94,143
Cash and cash equivalents, end of period		13,234	94,954
Supplemental cash flow disclosures:
Cash paid for interest		3,803	585
Cash paid for income taxes		1,702	1,607
Supplemental noncash flow disclosures:
Loans transferred to loans held for sale		2,320	11,377
Transfer of loans to real estate		220	0
Right to use assets obtained in exchange for lease liabilities		0	258
Core Deposits [Member]
Adjustments to reconcile net income to cash provided by operating activities:
Amortization of core deposit intangible		$ 0	$ 10
[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	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	Notes to Consolidated Financial Statements (unaudited) ( 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	6 Months Ended
	Jun. 30, 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 six June 30, 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	6 Months Ended
	Jun. 30, 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 9 Allowance for Credit Losses and Credit Quality Information no first six 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	6 Months Ended
	Jun. 30, 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 off balance sheet financial instruments of the Company for which fair values are determined on a recurring basis as of June 30, 2023 December 31, 2022. Carrying Value at June 30, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 230,027 0 230,027 0 Equity securities 287 0 287 0 Commitments to extend credit (9 ) 0 (9 ) 0 Total $ 230,305 0 230,305 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 Commitments to extend credit (28 ) 0 (28 ) 0 Total $ 246,216 0 246,216 0 The Company may June 30, 2023 December 31, 2022. Carrying Value at June 30, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three Months Ended June 30, 2023 Total Gains (Losses) Six Months Ended June 30, 2023 Total Gains (Losses) Loans held for sale $ 1,916 0 1,916 0 (14 ) (10 ) Mortgage servicing rights 2,789 0 0 2,789 0 0 Collateral dependent loans 1,614 0 1,614 0 69 26 Real estate, net 220 0 220 0 0 0 Total $ 6,539 0 3,750 2,789 55 16 Carrying Value at December 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year Ended December 31, 2022 Total Gains (Losses) Loans held for sale $ 1,314 0 1,314 0 3 Mortgage servicing rights, net 2,986 0 0 2,986 0 Impaired loans 1,978 0 1,978 0 (46 ) Total $ 6,278 0 3,292 2,986 (43 )

Note 5 - Fair Value of Financia

Note 5 - Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 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 June 30, 2023 December 31, 2022 no The estimated fair value of the Company’s financial instruments as of June 30, 2023 December 31, 2022 June 30, 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 $ 13,234 13,234 13,234 36,259 36,259 36,259 Securities available for sale 230,027 230,027 230,027 246,019 246,019 246,019 Equity securities 287 287 287 225 225 225 Loans held for sale 1,916 1,916 1,916 1,314 1,314 1,314 Loans receivable, net 826,932 755,122 755,122 777,078 724,497 724,497 Federal Home Loan Bank stock 2,304 2,304 2,304 1,283 1,283 1,283 Accrued interest receivable 3,395 3,395 3,395 3,003 3,003 3,003 Mortgage servicing assets 2,789 6,388 6,388 2,986 6,344 6,344 Financial liabilities: Deposits 970,712 905,964 905,964 981,926 983,420 983,420 Other borrowings 24,700 24,700 24,700 0 0 0 Accrued interest payable 1,115 1,115 1,115 298 298 298 Off-balance sheet financial instruments: Commitments to extend credit (9 ) (9 ) 221,303 (28 ) (28 ) 232,940 Commitments to sell loans 18 18 11,510 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)	6 Months Ended
	Jun. 30, 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 Three Months Ended June 30, (Dollars in thousands) 2023 2022 Securities available for sale: Before Tax Tax Effect (1) Net of Tax Before Tax Tax Effect Net of Tax Unrealized gains (losses) arising during the period $ 106 (599 ) 705 (7,936 ) (1,685 ) (6,251 ) Other comprehensive income (loss) $ 106 (599 ) 705 (7,936 ) (1,685 ) (6,251 ) For the Six Months Ended June 30, (Dollars in thousands) 2023 2022 Securities available for sale: Before Tax Tax Effect (1) Net of Tax Before Tax Tax Effect Net of Tax Unrealized gains (losses) arising during the period $ 2,952 1 2,951 (21,682 ) (5,413 ) (16,269 ) Other comprehensive income (loss) $ 2,952 1 2,951 (21,682 ) (5,413 ) (16,269 ) ( 1 The tax effect on gross unrealized gains (losses) was impacted by a change in the effective tax rate used in the second 2023

Note 7 - Securities Available f

Note 7 - Securities Available for Sale	6 Months Ended
	Jun. 30, 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 June 30, 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 June 30, 2023 Mortgage backed securities: Federal National Mortgage Association (FNMA) 0 $ 0 0 34 $ 95,592 (11,535 ) $ 95,592 (11,535 ) Federal Home Loan Mortgage Corporation (FHLMC) 0 0 0 24 80,402 (10,101 ) 80,402 (10,101 ) Collateralized mortgage obligations: FNMA 0 0 0 1 34 (3 ) 34 (3 ) Other marketable securities: U.S. Government agency obligations 2 9,879 (133 ) 9 43,631 (1,367 ) 53,510 (1,500 ) Corporate preferred stock 0 0 0 1 490 (210 ) 490 (210 ) Total temporarily impaired securities 2 $ 9,879 (133 ) 69 $ 220,149 (23,216 ) $ 230,028 (23,349 ) 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 and noncredit-related factors. This review includes analyzing the extent to which the fair value has been lower than the cost, the market liquidity for the investment, the financial condition and near-term prospects of the issuer, including any specific events which may As of June 30, 2023, not no June 30, 2023 June 30, 2023 not June 30, 2023. not may no 2022. three six June 30, 2023 June 30, 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 was reported as a component of accrued interest receivable on the consolidated balance sheet, totaled $0.5 million at June 30, 2023, A summary of securities available for sale at June 30, 2023 December 31, 2022 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value June 30, 2023 Mortgage-backed securities: FNMA $ 107,126 0 (11,535 ) 95,591 FHLMC 90,503 0 (10,101 ) 80,402 Collateralized mortgage obligations: FNMA 37 0 (3 ) 34 197,666 0 (21,639 ) 176,027 Other marketable securities: U.S. Government agency obligations 55,009 0 (1,499 ) 53,510 Corporate preferred stock 700 0 (210 ) 490 55,709 0 (1,709 ) 54,000 $ 253,375 0 (23,348 ) 230,027 (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 June 30, 2023 December 31, 2022, The following table indicates amortized cost and estimated fair value of securities available for sale at June 30, 2023 (Dollars in thousands) Amortized Cost Fair Value Due less than one year $ 90,555 84,341 Due after one year through five years 123,537 110,836 Due after five years through fifteen years 39,283 34,850 Total $ 253,375 230,027 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	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	( 8 Loans Receivable, Net A summary of loans receivable at June 30, 2023 December 31, 2022 (Dollars in thousands) June 30, 2023 December 31, 2022 Single family $ 247,070 205,890 Commercial real estate: Real estate rental and leasing 260,214 249,783 Other 223,186 221,562 483,400 471,345 Consumer 47,352 44,817 Commercial business 61,251 65,835 Total loans 839,073 787,887 Less: Unamortized discounts 15 13 Net deferred loan fees 609 519 Allowance for credit losses 11,517 10,277 Total loans receivable, net $ 826,932 777,078

Note 9 - Allowance for Credit L

Note 9 - Allowance for Credit Losses and Credit Quality Information	6 Months Ended
	Jun. 30, 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 For the three months ended June 30, 2023: Balance, March 31, 2023 $ 959 7,561 620 2,202 11,342 Provision for losses 284 304 (12 ) (376 ) 200 Charge-offs 0 0 (27 ) 0 (27 ) Recoveries 0 0 1 1 2 Balance, June 30, 2023 $ 1,243 7,865 582 1,827 11,517 For the six months ended June 30, 2023: 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 240 327 35 (434 ) 168 Charge-offs 0 0 (27 ) 0 (27 ) Recoveries 1 0 1 27 29 Balance, June 30, 2023 $ 1,243 7,865 582 1,827 11,517 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 $ 30 0 104 38 172 Collective allowance 1,213 7,865 478 1,789 11,345 Balance, June 30, 2023 $ 1,243 7,865 582 1,827 11,517 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 June 30, 2023: Individually reviewed for impairment $ 653 176 457 500 1,786 Collectively reviewed for impairment 246,417 483,224 46,895 60,751 837,287 Ending balance $ 247,070 483,400 47,352 61,251 839,073 (Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total For the three months ended June 30, 2022: Balance, March 31, 2022 $ 1,002 6,495 991 1,096 9,584 Provision for losses 66 91 70 (161 ) 66 Charge-offs 0 0 (15 ) 0 (15 ) Recoveries 0 0 1 8 9 Balance, June 30, 2022 $ 1,068 6,586 1,047 943 9,644 For the six months ended June 30, 2022: Balance, December 31, 2021 $ 974 6,388 981 936 9,279 Provision for losses 94 198 80 (10 ) 362 Charge-offs 0 0 (16 ) 0 (16 ) Recoveries 0 0 2 17 19 Balance, June 30, 2022 $ 1,068 6,586 1,047 943 9,644 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 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 $2.9 million at June 30, 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. This amount is determined quarterly based on an estimate of outstanding commitments that are anticipated to be funded and multiplying those amounts by the loss rate for their loan category. The allowance for unfunded commitments at June 30, 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 three six June 30, 2023. The following table presents the components of the provision for credit losses for the three six June 30, 2023 2022. (Dollars in thousands) Three months ended June 30, 2023 Six months ended June 30, 2023 Provision for credit losses on: Loans (1) $ 200 168 Unfunded commitments 56 80 Total $ 256 248 (Dollars in thousands) Three months ended June 30, 2022 Six month ended June 30, 2022 Provision for credit losses on: Loans (1) $ 66 362 Unfunded commitments 0 0 Total $ 66 362 ( 1 2016 13 January 1, 2023. 2022 The following table presents total loans by risk categories and year of origination as of June 30, 2023: (Dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Total Single family Unclassified $ 52,788 62,140 66,483 36,420 11,571 16,476 0 245,878 Special Mention 0 0 0 0 0 0 0 0 Substandard 80 459 0 82 187 342 0 1,150 Doubtful 0 0 0 0 25 17 0 42 Loss 0 0 0 0 0 0 0 0 52,868 62,599 66,483 36,502 11,783 16,835 0 247,070 Commercial Real Estate Unclassified 33,570 195,116 115,449 80,905 15,300 12,636 0 452,976 Special Mention 150 6,677 2,708 163 0 1,038 0 10,736 Substandard 2,202 1,644 292 13,322 647 1,581 0 19,688 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 35,922 203,437 118,449 94,390 15,947 15,255 0 483,400 Consumer Unclassified 9,081 9,351 2,012 2,397 2,993 5,616 15,378 46,828 Special Mention 24 0 0 0 0 0 0 24 Substandard 0 30 137 0 4 165 64 400 Doubtful 0 16 0 0 0 0 0 16 Loss 0 0 35 0 0 0 49 84 9,105 9,397 2,184 2,397 2,997 5,781 15,491 47,352 Current period gross write offs 0 1 0 0 0 26 0 27 Commercial Business Unclassified 10,230 9,485 4,112 4,136 286 935 26,393 55,577 Special Mention 0 603 0 0 0 0 29 632 Substandard 1,604 497 253 328 30 39 2,291 5,042 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 11,834 10,585 4,365 4,464 316 974 28,713 61,251 Total Loans $ 109,729 286,018 191,481 137,753 31,043 38,845 44,204 839,073 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 June 30, 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 June 30, 2023 Single family $ 1,581 42 187 1,810 245,260 247,070 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 260,214 260,214 0 Other 0 0 0 0 223,186 223,186 0 Consumer 264 63 90 417 46,935 47,352 0 Commercial business 0 0 0 0 61,251 61,251 0 Total $ 1,845 105 277 2,227 836,846 839,073 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 Total $ 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 June 30, 2023: June 30, 2023 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 424 441 0 Commercial real estate: Other 176 176 0 Consumer 313 313 0 Loans with an allowance recorded: Single family 229 229 30 Consumer 144 144 104 Commercial business 500 500 38 Total: Single family 653 670 30 Commercial real estate: Other (1) 176 176 0 Consumer (2) 457 457 104 Commercial business (3) 500 500 38 Total $ 1,786 1,803 172 ( 1 Secured by commercial land. ( 2 Secured by second ( 3 Secured by business equipment primarily related to the farming and trucking industries. 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 Total $ 2,140 2,158 162 ( 1 Secured by commercial land. ( 2 Secured by second ( 3 Secured by business equipment primarily related to the farming and trucking industries. 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 six June 30, 2022: For the three months ended For the six months ended June 30, 2022 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 439 1 377 4 Commercial real estate: Other 183 2 185 10 Consumer 330 3 359 5 Loans with an allowance recorded: Single family 83 0 84 0 Commercial real estate: Other 3,326 0 3,407 0 Consumer 162 0 150 1 Commercial business 7 0 7 0 Total Single family 522 1 461 4 Commercial real estate: Other 3,509 2 3,592 10 Consumer 492 3 509 6 Commercial business 7 0 7 0 $ 4,530 6 4,569 20 At June 30, 2023 December 31, 2022, no June 30, 2023 December 31, 2022, The non-accrual loans at June 30, 2023 December 31, 2022 (Dollars in thousands) June 30, 2023 December 31, 2022 Single family $ 653 $ 908 Consumer 407 441 Commercial business 471 529 $ 1,531 $ 1,878 There were no June 30, 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 experiencing 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 six 2023 no June 30, 2023.

Note 10 - Intangible Assets

Note 10 - Intangible Assets	6 Months Ended
	Jun. 30, 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) Six Months Ended June 30, 2023 Twelve Months Ended December 31, 2022 Six Months Ended June 30, 2022 Balance, beginning of period $ 2,986 3,280 3,280 Originations 215 615 419 Amortization (412 ) (909 ) (465 ) Balance, end of period $ 2,789 2,986 3,234 Fair value of mortgage servicing rights $ 6,388 6,344 6,103 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 June 30, 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 $ 100,685 2.91% 131 984 Original term 30 year fixed rate 429,056 3.66 304 2,681 Amortization expense for intangible assets was $0.4 million and $0.5 million for the six June 30, 2023 2022, June 30, 2023 December 31, 2022 June 30, 2023 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 6,056 (3,267 ) 2,789 Goodwill 802 0 802 Total $ 6,858 (3,267 ) 3,591 December 31, 2022 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,995 (3,009 ) 2,986 Core deposit intangible 574 (574 ) 0 Goodwill 802 0 802 Total $ 7,371 (3,583 ) 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 $ 363 2024 685 2025 622 2026 527 2027 354 Thereafter 238 Total $ 2,789 The projection of amortization is based on existing asset balances and the existing interest rate environment as of June 30, 2023. may No not may Goodwill was tested for impairment at June 30, 2023 not no

Note 11 - Leases

Note 11 - Leases	6 Months Ended
	Jun. 30, 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 fourteen fifty-three three ten not not June 30, 2023 three six June 30, 2023 2022. The table below summarizes other information related to the Company’s operating leases: Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2023 2022 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 55 58 110 115 Weighted-average remaining lease term – operating leases, in years 2.4 2.5 2.4 2.5 Weighted-average discount rate – operating leases 2.67 % 2.44 % 2.67 % 2.44 % The table below summarizes the maturity of remaining lease liabilities at June 30, 2023: (Dollars in thousands) June 30, 2023 2023 $ 117 2024 212 2025 58 2026 27 2027 25 Total lease payments 439 Less: Interest (15 ) Present value of lease liabilities $ 424

Note 12 - Earnings Per Common S

Note 12 - Earnings Per Common Share	6 Months Ended
	Jun. 30, 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 June 30, Six Months Ended June 30, (Dollars in thousands, except per share data) 2023 2022 2023 2022 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,346,778 4,360,717 4,342,872 4,375,936 Net dilutive effect of: Restricted stock awards and options 27,650 33,442 28,385 33,662 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,374,428 4,394,159 4,371,257 4,409,598 Income available to common stockholders $ 1,421 2,289 3,055 3,776 Basic earnings per common share $ 0.33 0.52 0.70 0.86 Diluted earnings per common share $ 0.32 0.52 0.70 0.86

Note 13 - Regulatory Capital an

Note 13 - Regulatory Capital and Oversight	6 Months Ended
	Jun. 30, 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 Board of Governors of the Federal Reserve Bank in its Small Bank Holding Company Policy Statement (Policy Statement), has exempted 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 second 2023 June 30, 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) June 30, 2023 Common equity Tier 1 capital $ 102,707 11.36 % $ 40,688 4.50 % $ 62,019 6.86 % $ 58,772 6.50 % Tier 1 leverage 102,707 9.25 44,424 4.00 58,283 5.25 55,531 5.00 Tier 1 risk-based capital 102,707 11.36 54,251 6.00 48,456 5.36 72,334 8.00 Total risk-based capital 114,013 12.61 72,334 8.00 41,679 4.61 90,418 10.00 ( 1 1 The Bank must maintain a capital conservation buffer of 2.50% composed of common equity Tier 1 June 30, 2023, no

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Equity [Text Block]	( 14 Stockholders Equity The Company did not first six 2023. June 30, 2023, 6 March 8, 2023 8 June 7, 2023.

Note 15 - Commitments and Conti

Note 15 - Commitments and Contingencies	6 Months Ended
	Jun. 30, 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 June 30, 2023 seventeen 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	6 Months Ended
	Jun. 30, 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 six months ended June 30, 2023: Interest income – external customers $ 20,410 0 0 20,410 Non-interest income – external customers 3,902 0 0 3,902 Intersegment interest income 0 140 (140 ) 0 Intersegment non-interest income 130 3,287 (3,417 ) 0 Interest expense 4,759 0 (140 ) 4,619 Provision for credit losses 248 0 0 248 Non-interest expense 14,847 433 (130 ) 15,150 Income tax expense (benefit) 1,301 (61 ) 0 1,240 Net income 3,287 3,055 (3,287 ) 3,055 Total assets 1,109,224 102,234 (102,091 ) 1,109,367 At or for the six months ended June 30, 2022: Interest income – external customers $ 15,622 0 0 15,622 Non-interest income – external customers 4,891 0 0 4,891 Intersegment interest income 0 17 (17 ) 0 Intersegment non-interest income 117 4,071 (4,188 ) 0 Interest expense 592 0 (17 ) 575 Provision for credit losses 362 0 0 362 Non-interest expense 13,947 405 (117 ) 14,235 Income tax expense (benefit) 1,658 (93 ) 0 1,565 Net income 4,071 3,776 (4,071 ) 3,776 Total assets 1,081,228 95,980 (95,199 ) 1,082,009 At or for the quarter ended June 30, 2023: Interest income – external customers $ 10,497 0 0 10,497 Non-interest income – external customers 1,974 0 0 1,974 Intersegment interest income 0 76 (76 ) 0 Intersegment non-interest income 72 1,539 (1,611 ) 0 Interest expense 2,845 0 (76 ) 2,769 Provision for credit losses 256 0 0 256 Non-interest expense 7,305 224 (72 ) 7,457 Income tax expense (benefit) 598 (30 ) 0 568 Net income 1,539 1,421 (1,539 ) 1,421 Total assets 1,109,224 102,234 (102,091 ) 1,109,367 At or for the quarter ended June 30, 2022: Interest income – external customers $ 8,057 0 0 8,057 Non-interest income – external customers 2,516 0 0 2,516 Intersegment interest income 0 8 (8 ) 0 Intersegment non-interest income 58 2,433 (2,491 ) 0 Interest expense 300 0 (8 ) 292 Provision for credit losses 66 0 0 66 Non-interest expense 6,841 200 (58 ) 6,983 Income tax expense (benefit) 991 (48 ) 0 943 Net income 2,433 2,289 (2,433 ) 2,289 Total assets 1,081,228 95,980 (95,199 ) 1,082,009

Note 4 - Fair Value Measureme_2

Note 4 - Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Carrying Value at June 30, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 230,027 0 230,027 0 Equity securities 287 0 287 0 Commitments to extend credit (9 ) 0 (9 ) 0 Total $ 230,305 0 230,305 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 Commitments to extend credit (28 ) 0 (28 ) 0 Total $ 246,216 0 246,216 0
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying Value at June 30, 2023 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three Months Ended June 30, 2023 Total Gains (Losses) Six Months Ended June 30, 2023 Total Gains (Losses) Loans held for sale $ 1,916 0 1,916 0 (14 ) (10 ) Mortgage servicing rights 2,789 0 0 2,789 0 0 Collateral dependent loans 1,614 0 1,614 0 69 26 Real estate, net 220 0 220 0 0 0 Total $ 6,539 0 3,750 2,789 55 16 Carrying Value at December 31, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year Ended December 31, 2022 Total Gains (Losses) Loans held for sale $ 1,314 0 1,314 0 3 Mortgage servicing rights, net 2,986 0 0 2,986 0 Impaired loans 1,978 0 1,978 0 (46 ) Total $ 6,278 0 3,292 2,986 (43 )

Note 5 - Fair Value of Financ_2

Note 5 - Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	June 30, 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 $ 13,234 13,234 13,234 36,259 36,259 36,259 Securities available for sale 230,027 230,027 230,027 246,019 246,019 246,019 Equity securities 287 287 287 225 225 225 Loans held for sale 1,916 1,916 1,916 1,314 1,314 1,314 Loans receivable, net 826,932 755,122 755,122 777,078 724,497 724,497 Federal Home Loan Bank stock 2,304 2,304 2,304 1,283 1,283 1,283 Accrued interest receivable 3,395 3,395 3,395 3,003 3,003 3,003 Mortgage servicing assets 2,789 6,388 6,388 2,986 6,344 6,344 Financial liabilities: Deposits 970,712 905,964 905,964 981,926 983,420 983,420 Other borrowings 24,700 24,700 24,700 0 0 0 Accrued interest payable 1,115 1,115 1,115 298 298 298 Off-balance sheet financial instruments: Commitments to extend credit (9 ) (9 ) 221,303 (28 ) (28 ) 232,940 Commitments to sell loans 18 18 11,510 8 8 6,575

Note 6 - Other Comprehensive _2

Note 6 - Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Comprehensive Income (Loss) [Table Text Block]	For the Three Months Ended June 30, (Dollars in thousands) 2023 2022 Securities available for sale: Before Tax Tax Effect (1) Net of Tax Before Tax Tax Effect Net of Tax Unrealized gains (losses) arising during the period $ 106 (599 ) 705 (7,936 ) (1,685 ) (6,251 ) Other comprehensive income (loss) $ 106 (599 ) 705 (7,936 ) (1,685 ) (6,251 ) For the Six Months Ended June 30, (Dollars in thousands) 2023 2022 Securities available for sale: Before Tax Tax Effect (1) Net of Tax Before Tax Tax Effect Net of Tax Unrealized gains (losses) arising during the period $ 2,952 1 2,951 (21,682 ) (5,413 ) (16,269 ) Other comprehensive income (loss) $ 2,952 1 2,951 (21,682 ) (5,413 ) (16,269 )

Note 7 - Securities Available_2

Note 7 - Securities Available for Sale (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2023 Mortgage backed securities: Federal National Mortgage Association (FNMA) 0 $ 0 0 34 $ 95,592 (11,535 ) $ 95,592 (11,535 ) Federal Home Loan Mortgage Corporation (FHLMC) 0 0 0 24 80,402 (10,101 ) 80,402 (10,101 ) Collateralized mortgage obligations: FNMA 0 0 0 1 34 (3 ) 34 (3 ) Other marketable securities: U.S. Government agency obligations 2 9,879 (133 ) 9 43,631 (1,367 ) 53,510 (1,500 ) Corporate preferred stock 0 0 0 1 490 (210 ) 490 (210 ) Total temporarily impaired securities 2 $ 9,879 (133 ) 69 $ 220,149 (23,216 ) $ 230,028 (23,349 ) 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 June 30, 2023 Mortgage-backed securities: FNMA $ 107,126 0 (11,535 ) 95,591 FHLMC 90,503 0 (10,101 ) 80,402 Collateralized mortgage obligations: FNMA 37 0 (3 ) 34 197,666 0 (21,639 ) 176,027 Other marketable securities: U.S. Government agency obligations 55,009 0 (1,499 ) 53,510 Corporate preferred stock 700 0 (210 ) 490 55,709 0 (1,709 ) 54,000 $ 253,375 0 (23,348 ) 230,027 (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 $ 90,555 84,341 Due after one year through five years 123,537 110,836 Due after five years through fifteen years 39,283 34,850 Total $ 253,375 230,027

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Summary of Loans Receivable [Table Text Block]	(Dollars in thousands) June 30, 2023 December 31, 2022 Single family $ 247,070 205,890 Commercial real estate: Real estate rental and leasing 260,214 249,783 Other 223,186 221,562 483,400 471,345 Consumer 47,352 44,817 Commercial business 61,251 65,835 Total loans 839,073 787,887 Less: Unamortized discounts 15 13 Net deferred loan fees 609 519 Allowance for credit losses 11,517 10,277 Total loans receivable, net $ 826,932 777,078

Note 9 - Allowance for Credit_2

Note 9 - Allowance for Credit Losses and Credit Quality Information (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total For the three months ended June 30, 2023: Balance, March 31, 2023 $ 959 7,561 620 2,202 11,342 Provision for losses 284 304 (12 ) (376 ) 200 Charge-offs 0 0 (27 ) 0 (27 ) Recoveries 0 0 1 1 2 Balance, June 30, 2023 $ 1,243 7,865 582 1,827 11,517 For the six months ended June 30, 2023: 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 240 327 35 (434 ) 168 Charge-offs 0 0 (27 ) 0 (27 ) Recoveries 1 0 1 27 29 Balance, June 30, 2023 $ 1,243 7,865 582 1,827 11,517 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 $ 30 0 104 38 172 Collective allowance 1,213 7,865 478 1,789 11,345 Balance, June 30, 2023 $ 1,243 7,865 582 1,827 11,517 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 June 30, 2023: Individually reviewed for impairment $ 653 176 457 500 1,786 Collectively reviewed for impairment 246,417 483,224 46,895 60,751 837,287 Ending balance $ 247,070 483,400 47,352 61,251 839,073 (Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total For the three months ended June 30, 2022: Balance, March 31, 2022 $ 1,002 6,495 991 1,096 9,584 Provision for losses 66 91 70 (161 ) 66 Charge-offs 0 0 (15 ) 0 (15 ) Recoveries 0 0 1 8 9 Balance, June 30, 2022 $ 1,068 6,586 1,047 943 9,644 For the six months ended June 30, 2022: Balance, December 31, 2021 $ 974 6,388 981 936 9,279 Provision for losses 94 198 80 (10 ) 362 Charge-offs 0 0 (16 ) 0 (16 ) Recoveries 0 0 2 17 19 Balance, June 30, 2022 $ 1,068 6,586 1,047 943 9,644
Provision for Credit Losses [Table Text Block]	(Dollars in thousands) Three months ended June 30, 2023 Six months ended June 30, 2023 Provision for credit losses on: Loans (1) $ 200 168 Unfunded commitments 56 80 Total $ 256 248 (Dollars in thousands) Three months ended June 30, 2022 Six month ended June 30, 2022 Provision for credit losses on: Loans (1) $ 66 362 Unfunded commitments 0 0 Total $ 66 362
Financing Receivable Credit Quality Indicators [Table Text Block]	(Dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Total Single family Unclassified $ 52,788 62,140 66,483 36,420 11,571 16,476 0 245,878 Special Mention 0 0 0 0 0 0 0 0 Substandard 80 459 0 82 187 342 0 1,150 Doubtful 0 0 0 0 25 17 0 42 Loss 0 0 0 0 0 0 0 0 52,868 62,599 66,483 36,502 11,783 16,835 0 247,070 Commercial Real Estate Unclassified 33,570 195,116 115,449 80,905 15,300 12,636 0 452,976 Special Mention 150 6,677 2,708 163 0 1,038 0 10,736 Substandard 2,202 1,644 292 13,322 647 1,581 0 19,688 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 35,922 203,437 118,449 94,390 15,947 15,255 0 483,400 Consumer Unclassified 9,081 9,351 2,012 2,397 2,993 5,616 15,378 46,828 Special Mention 24 0 0 0 0 0 0 24 Substandard 0 30 137 0 4 165 64 400 Doubtful 0 16 0 0 0 0 0 16 Loss 0 0 35 0 0 0 49 84 9,105 9,397 2,184 2,397 2,997 5,781 15,491 47,352 Current period gross write offs 0 1 0 0 0 26 0 27 Commercial Business Unclassified 10,230 9,485 4,112 4,136 286 935 26,393 55,577 Special Mention 0 603 0 0 0 0 29 632 Substandard 1,604 497 253 328 30 39 2,291 5,042 Doubtful 0 0 0 0 0 0 0 0 Loss 0 0 0 0 0 0 0 0 11,834 10,585 4,365 4,464 316 974 28,713 61,251 Total Loans $ 109,729 286,018 191,481 137,753 31,043 38,845 44,204 839,073
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 June 30, 2023 Single family $ 1,581 42 187 1,810 245,260 247,070 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 260,214 260,214 0 Other 0 0 0 0 223,186 223,186 0 Consumer 264 63 90 417 46,935 47,352 0 Commercial business 0 0 0 0 61,251 61,251 0 Total $ 1,845 105 277 2,227 836,846 839,073 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 Total $ 1,352 268 569 2,189 785,698 787,887 0
Impaired Financing Receivables [Table Text Block]	June 30, 2023 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 424 441 0 Commercial real estate: Other 176 176 0 Consumer 313 313 0 Loans with an allowance recorded: Single family 229 229 30 Consumer 144 144 104 Commercial business 500 500 38 Total: Single family 653 670 30 Commercial real estate: Other (1) 176 176 0 Consumer (2) 457 457 104 Commercial business (3) 500 500 38 Total $ 1,786 1,803 172 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 Total $ 2,140 2,158 162 For the three months ended For the six months ended June 30, 2022 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 439 1 377 4 Commercial real estate: Other 183 2 185 10 Consumer 330 3 359 5 Loans with an allowance recorded: Single family 83 0 84 0 Commercial real estate: Other 3,326 0 3,407 0 Consumer 162 0 150 1 Commercial business 7 0 7 0 Total Single family 522 1 461 4 Commercial real estate: Other 3,509 2 3,592 10 Consumer 492 3 509 6 Commercial business 7 0 7 0 $ 4,530 6 4,569 20
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) June 30, 2023 December 31, 2022 Single family $ 653 $ 908 Consumer 407 441 Commercial business 471 529 $ 1,531 $ 1,878

Note 10 - Intangible Assets (Ta

Note 10 - Intangible Assets (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Servicing Liability at Amortized Cost [Table Text Block]	(Dollars in thousands) Six Months Ended June 30, 2023 Twelve Months Ended December 31, 2022 Six Months Ended June 30, 2022 Balance, beginning of period $ 2,986 3,280 3,280 Originations 215 615 419 Amortization (412 ) (909 ) (465 ) Balance, end of period $ 2,789 2,986 3,234 Fair value of mortgage servicing rights $ 6,388 6,344 6,103
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 $ 100,685 2.91% 131 984 Original term 30 year fixed rate 429,056 3.66 304 2,681
Schedule of Finite-Lived Intangible Assets [Table Text Block]	June 30, 2023 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 6,056 (3,267 ) 2,789 Goodwill 802 0 802 Total $ 6,858 (3,267 ) 3,591 December 31, 2022 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,995 (3,009 ) 2,986 Core deposit intangible 574 (574 ) 0 Goodwill 802 0 802 Total $ 7,371 (3,583 ) 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 $ 363 2024 685 2025 622 2026 527 2027 354 Thereafter 238 Total $ 2,789

Note 11 - Leases (Tables)

Note 11 - Leases (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Other Information Related to Operating Leases [Table Text Block]	Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2023 2022 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 55 58 110 115 Weighted-average remaining lease term – operating leases, in years 2.4 2.5 2.4 2.5 Weighted-average discount rate – operating leases 2.67 % 2.44 % 2.67 % 2.44 %
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	(Dollars in thousands) June 30, 2023 2023 $ 117 2024 212 2025 58 2026 27 2027 25 Total lease payments 439 Less: Interest (15 ) Present value of lease liabilities $ 424

Note 12 - Earnings Per Common_2

Note 12 - Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands, except per share data) 2023 2022 2023 2022 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,346,778 4,360,717 4,342,872 4,375,936 Net dilutive effect of: Restricted stock awards and options 27,650 33,442 28,385 33,662 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,374,428 4,394,159 4,371,257 4,409,598 Income available to common stockholders $ 1,421 2,289 3,055 3,776 Basic earnings per common share $ 0.33 0.52 0.70 0.86 Diluted earnings per common share $ 0.32 0.52 0.70 0.86

Note 13 - Regulatory Capital _2

Note 13 - Regulatory Capital and Oversight (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2023 Common equity Tier 1 capital $ 102,707 11.36 % $ 40,688 4.50 % $ 62,019 6.86 % $ 58,772 6.50 % Tier 1 leverage 102,707 9.25 44,424 4.00 58,283 5.25 55,531 5.00 Tier 1 risk-based capital 102,707 11.36 54,251 6.00 48,456 5.36 72,334 8.00 Total risk-based capital 114,013 12.61 72,334 8.00 41,679 4.61 90,418 10.00

Note 16 - Business Segments (Ta

Note 16 - Business Segments (Tables)	6 Months Ended
	Jun. 30, 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 six months ended June 30, 2023: Interest income – external customers $ 20,410 0 0 20,410 Non-interest income – external customers 3,902 0 0 3,902 Intersegment interest income 0 140 (140 ) 0 Intersegment non-interest income 130 3,287 (3,417 ) 0 Interest expense 4,759 0 (140 ) 4,619 Provision for credit losses 248 0 0 248 Non-interest expense 14,847 433 (130 ) 15,150 Income tax expense (benefit) 1,301 (61 ) 0 1,240 Net income 3,287 3,055 (3,287 ) 3,055 Total assets 1,109,224 102,234 (102,091 ) 1,109,367 At or for the six months ended June 30, 2022: Interest income – external customers $ 15,622 0 0 15,622 Non-interest income – external customers 4,891 0 0 4,891 Intersegment interest income 0 17 (17 ) 0 Intersegment non-interest income 117 4,071 (4,188 ) 0 Interest expense 592 0 (17 ) 575 Provision for credit losses 362 0 0 362 Non-interest expense 13,947 405 (117 ) 14,235 Income tax expense (benefit) 1,658 (93 ) 0 1,565 Net income 4,071 3,776 (4,071 ) 3,776 Total assets 1,081,228 95,980 (95,199 ) 1,082,009 At or for the quarter ended June 30, 2023: Interest income – external customers $ 10,497 0 0 10,497 Non-interest income – external customers 1,974 0 0 1,974 Intersegment interest income 0 76 (76 ) 0 Intersegment non-interest income 72 1,539 (1,611 ) 0 Interest expense 2,845 0 (76 ) 2,769 Provision for credit losses 256 0 0 256 Non-interest expense 7,305 224 (72 ) 7,457 Income tax expense (benefit) 598 (30 ) 0 568 Net income 1,539 1,421 (1,539 ) 1,421 Total assets 1,109,224 102,234 (102,091 ) 1,109,367 At or for the quarter ended June 30, 2022: Interest income – external customers $ 8,057 0 0 8,057 Non-interest income – external customers 2,516 0 0 2,516 Intersegment interest income 0 8 (8 ) 0 Intersegment non-interest income 58 2,433 (2,491 ) 0 Interest expense 300 0 (8 ) 292 Provision for credit losses 66 0 0 66 Non-interest expense 6,841 200 (58 ) 6,983 Income tax expense (benefit) 991 (48 ) 0 943 Net income 2,433 2,289 (2,433 ) 2,289 Total assets 1,081,228 95,980 (95,199 ) 1,082,009

Note 1 - Description of the B_2

Note 1 - Description of the Business and Summary of Significant Accounting Policies (Details Textual)	6 Months Ended
	Jun. 30, 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	Jun. 30, 2023	Mar. 31, 2023	Jan. 01, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss	$ 11,517	$ 11,342		$ 10,277	$ 9,644	$ 9,584	$ 9,279
Retained Earnings (Accumulated Deficit)	140,025			138,409
Off-Balance-Sheet, Credit Loss, Liability	$ 200
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	Jun. 30, 2023	Dec. 31, 2022
Securities available for sale	$ 230,027	$ 246,019
Fair Value, Recurring [Member]
Securities available for sale	230,027	246,019
Equity securities	287	225
Commitments to extend credit	(9)	(28)
Total	230,305	246,216
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Equity securities	0	0
Commitments to extend credit	0	0
Total	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	230,027	246,019
Equity securities	287	225
Commitments to extend credit	(9)	(28)
Total	230,305	246,216
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Equity securities	0	0
Commitments to extend credit	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	6 Months Ended	12 Months Ended
	Jun. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Loans held for sale, Total gains (losses)	$ (14)	$ (10)	$ 3
Mortgage servicing rights, Total gains (losses)	0	0	0
Collateral dependent loans, Total gains (losses)	69	26
Real estate, net, Total gains (losses)	0	0
Total, Total gains (losses)	55	16	(43)
Impaired loans, Total gains (losses)			(46)
Fair Value, Nonrecurring [Member]
Loans held for sale	1,916	1,916	1,314
Mortgage servicing rights	2,789	2,789	2,986
Collateral dependent loans	1,614	1,614	1,978
Real estate, net	220	220
Total	6,539	6,539	6,278
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale	0	0	0
Mortgage servicing rights	0	0	0
Collateral dependent loans	0	0	0
Real estate, net	0	0
Total	0	0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale	1,916	1,916	1,314
Mortgage servicing rights	0	0	0
Collateral dependent loans	1,614	1,614	1,978
Real estate, net	220	220
Total	3,750	3,750	3,292
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	0	0	0
Mortgage servicing rights	2,789	2,789	2,986
Collateral dependent loans	0	0	0
Real estate, net	0	0
Total	$ 2,789	$ 2,789	$ 2,986

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	Jun. 30, 2023	Dec. 31, 2022
Securities available for sale	$ 230,027	$ 246,019
Commitments to extend credit	221,303	232,940
Commitments to sell loans	11,510	6,575
Reported Value Measurement [Member]
Cash and cash equivalents	13,234	36,259
Securities available for sale	230,027	246,019
Equity securities	287	225
Loans held for sale	1,916	1,314
Loans receivable, net	826,932	777,078
Federal Home Loan Bank stock	2,304	1,283
Accrued interest receivable	3,395	3,003
Mortgage servicing assets	2,789	2,986
Deposits	970,712	981,926
Other borrowings	24,700	0
Accrued interest payable	1,115	298
Commitments to extend credit	(9)	(28)
Commitments to sell loans	18	8
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	13,234	36,259
Securities available for sale	230,027	246,019
Equity securities	287	225
Loans held for sale	1,916	1,314
Loans receivable, net	755,122	724,497
Federal Home Loan Bank stock	2,304	1,283
Accrued interest receivable	3,395	3,003
Mortgage servicing assets	6,388	6,344
Deposits	905,964	983,420
Other borrowings	24,700	0
Accrued interest payable	1,115	298
Commitments to extend credit	(9)	(28)
Commitments to sell loans	18	8
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	13,234	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	230,027	246,019
Equity securities	287	225
Loans held for sale	1,916	1,314
Loans receivable, net	755,122	724,497
Federal Home Loan Bank stock	2,304	1,283
Accrued interest receivable	3,395	3,003
Mortgage servicing assets
Deposits	905,964	983,420
Other borrowings	24,700	0
Accrued interest payable	1,115	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	6,388	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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Unrealized gains (losses) arising during the period	$ 106	$ (7,936)	$ 2,952	$ (21,682)
Unrealized gains (losses) arising during the period, tax	(599)	(1,685)	1	(5,413)
Unrealized gains (losses) arising during the period, net of tax	705	(6,251)	2,951	(16,269)
Other comprehensive income (loss)	106	(7,936)	2,952	(21,682)
Other comprehensive income (loss), tax	(599)	(1,685)	1	(5,413)
Other comprehensive income (loss), net of tax	$ 705	$ (6,251)	$ 2,951	$ (16,269)

Note 7 - Securities Available_3

Note 7 - Securities Available for Sale (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Jun. 30, 2023
Other-than-temporary Impairment Loss, Available-for-Sale Debt Securities	$ 0
Available for Sale Securities, Accrued Interest Receivable		$ 500
Asset Pledged as Collateral [Member] | Deposits [Member]
Securities Held as Collateral, at Fair Value	$ 45,900	$ 43,600

Note 7 - Securities Available_4

Note 7 - Securities Available for Sale - Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Less Than Twelve Months # of Investments	2	21
Less Than Twelve Months Fair Value	$ 9,879	$ 49,249
Less Than Twelve Months Unrealized Losses	$ (133)	$ (3,512)
Twelve Months or More # of Investments	69	50
Twelve Months or More Fair Value	$ 220,149	$ 196,770
Twelve Months or More Unrealized Losses	(23,216)	(22,788)
Total fair value	230,028	246,019
Total temporarily impaired securities	$ (23,349)	$ (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	$ 95,592	$ 85,599
Twelve Months or More Unrealized Losses	(11,535)	(11,125)
Total fair value	95,592	104,936
Total temporarily impaired securities	$ (11,535)	$ (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	$ 80,402	$ 77,174
Twelve Months or More Unrealized Losses	(10,101)	(9,963)
Total fair value	80,402	87,716
Total temporarily impaired securities	$ (10,101)	$ (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	$ 34	$ 0
Twelve Months or More Unrealized Losses	(3)	0
Total fair value	34	36
Total temporarily impaired securities	$ (3)	$ (2)
Other Marketable Securities, Us Government Agencies Debt Securities [Member]
Less Than Twelve Months # of Investments	2	4
Less Than Twelve Months Fair Value	$ 9,879	$ 19,334
Less Than Twelve Months Unrealized Losses	$ (133)	$ (667)
Twelve Months or More # of Investments	9	7
Twelve Months or More Fair Value	$ 43,631	$ 33,507
Twelve Months or More Unrealized Losses	(1,367)	(1,490)
Total fair value	53,510	52,841
Total temporarily impaired securities	$ (1,500)	$ (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	$ 490	$ 490
Twelve Months or More Unrealized Losses	(210)	(210)
Total fair value	490	490
Total temporarily impaired securities	$ (210)	$ (210)

Note 7 - Securities Available_5

Note 7 - Securities Available for Sale - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Securities available for sale, amortized cost	$ 253,375	$ 272,319
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(23,348)	(26,300)
Securities available for sale	230,027	246,019
Mortgage Backed Securities, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Securities available for sale, amortized cost	107,126	117,690
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(11,535)	(12,754)
Securities available for sale	95,591	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	90,503	98,893
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(10,101)	(11,177)
Securities available for sale	80,402	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	37	38
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(3)	(2)
Securities available for sale	34	36
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	197,666	216,621
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(21,639)	(23,933)
Securities available for sale	176,027	192,688
Other Marketable Securities, Us Government Agencies Debt Securities [Member]
Securities available for sale, amortized cost	55,009	54,998
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(1,499)	(2,157)
Securities available for sale	53,510	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	(210)	(210)
Securities available for sale	490	490
Other Marketable Securities [Member]
Securities available for sale, amortized cost	55,709	55,698
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(1,709)	(2,367)
Securities available for sale	$ 54,000	$ 53,331

Note 7 - Securities Available_6

Note 7 - Securities Available for Sale - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Due less than one year, amortized cost	$ 90,555
Due less than one year, fair value	84,341
Due after one year through five years, amortized cost	123,537
Due after one year through five years, fair value	110,836
Due after five years through fifteen years, amortized cost	39,283
Due after five years through fifteen years, fair value	34,850
Total, amortized cost	253,375	$ 272,319
Total, fair value	$ 230,027	$ 246,019

Note 8 - Loans Receivable, Ne_2

Note 8 - Loans Receivable, Net - Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Loans receivable	$ 839,073		$ 787,887
Unamortized discounts	15		13
Net deferred loan fees	609		519
Allowance for credit losses	11,517	$ 11,342	10,277	$ 9,644	$ 9,584	$ 9,279
Total loans receivable, net	826,932		777,078
Residential Portfolio Segment [Member]
Loans receivable	247,070		205,890
Allowance for credit losses	1,243	959	1,261	1,068	1,002	974
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	483,400		471,345
Allowance for credit losses	7,865	7,561	7,026	6,586	6,495	6,388
Consumer Portfolio Segment [Member]
Loans receivable	47,352		44,817
Allowance for credit losses	582	620	1,058	1,047	991	981
Commercial Portfolio Segment [Member]
Loans receivable	61,251		65,835
Allowance for credit losses	1,827	$ 2,202	932	$ 943	$ 1,096	$ 936
Single Family Segment [Member] | Residential Portfolio Segment [Member]
Loans receivable	247,070		205,890
Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	260,214		249,783
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	$ 223,186		$ 221,562

Note 9 - Allowance for Credit_3

Note 9 - Allowance for Credit Losses and Credit Quality Information (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Accrued Interest Receivable from Amortized Cost Basis of Loans	$ 2,900
Off-Balance-Sheet, Credit Loss, Liability	200
Financing Receivable, Nonaccrual	1,531		$ 1,878
Impaired Financing Receivable, Related Allowance	172		162
Loan Receivable for Which Value of Collateral Sufficient to Repay	700		1,000
Residential Portfolio Segment [Member]
Financing Receivable, Nonaccrual	653		908
Impaired Financing Receivable, Related Allowance	30		33
Residential Portfolio Segment [Member] | Single Family Segment [Member]
Mortgage Loans in Process of Foreclosure, Amount		$ 200
Nonperforming Financial Instruments [Member]
Financing Receivable, Nonaccrual	1,500		$ 1,900
Impaired Financing Receivable, Related Allowance	$ 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		6 Months Ended
		Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Jan. 01, 2023	Dec. 31, 2022
Balance		$ 11,342	$ 9,584	$ 10,277	$ 9,279
Provision for losses	[1]	200	66	168	362
Charge-offs		(27)	(15)	(27)	(16)
Recoveries		2	9	29	19
Balance		(11,342)	(9,584)	(10,277)	(9,279)
Provision for losses	[1]	(200)	(66)	(168)	(362)
Balance		11,517	9,644	11,517	9,644
Individual allowance		172		172			$ 162
Collective allowance		11,345		11,345			10,115
Allowance for credit losses		11,517	9,644	11,517	9,644		10,277
Individually reviewed for impairment		1,786		1,786			2,140
Collectively reviewed for impairment		837,287		837,287			785,747
Ending balance		839,073		839,073			787,887
Charge-offs		27	15	27	16
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance				1,070
Balance				(1,070)
Allowance for credit losses						$ 1,100	1,070
Residential Portfolio Segment [Member]
Balance		959	1,002	1,261	974
Provision for losses		284	66	240	94
Charge-offs		0	0	0	0
Recoveries		0	0	1	0
Balance		(959)	(1,002)	(1,261)	(974)
Provision for losses		(284)	(66)	(240)	(94)
Balance		1,243	1,068	1,243	1,068
Individual allowance		30		30			33
Collective allowance		1,213		1,213			1,228
Allowance for credit losses		1,243	1,068	1,243	1,068		1,261
Individually reviewed for impairment		653		653			908
Collectively reviewed for impairment		246,417		246,417			204,982
Ending balance		247,070		247,070			205,890
Charge-offs		0	0	0	0
Residential Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance				(259)
Balance				259
Allowance for credit losses							(259)
Commercial Real Estate Portfolio Segment [Member]
Balance		7,561	6,495	7,026	6,388
Provision for losses		304	91	327	198
Charge-offs		0	0	0	0
Recoveries		0	0	0	0
Balance		(7,561)	(6,495)	(7,026)	(6,388)
Provision for losses		(304)	(91)	(327)	(198)
Balance		7,865	6,586	7,865	6,586
Individual allowance		0		0			0
Collective allowance		7,865		7,865			7,026
Allowance for credit losses		7,865	6,586	7,865	6,586		7,026
Individually reviewed for impairment		176		176			179
Collectively reviewed for impairment		483,224		483,224			471,166
Ending balance		483,400		483,400			471,345
Charge-offs		0	0	0	0
Commercial Real Estate Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance				512
Balance				(512)
Allowance for credit losses							512
Consumer Portfolio Segment [Member]
Balance		620	991	1,058	981
Provision for losses		(12)	70	35	80
Charge-offs		(27)	(15)	(27)	(16)
Recoveries		1	1	1	2
Balance		(620)	(991)	(1,058)	(981)
Provision for losses		12	(70)	(35)	(80)
Balance		582	1,047	582	1,047
Individual allowance		104		104			112
Collective allowance		478		478			946
Allowance for credit losses		582	1,047	582	1,047		1,058
Individually reviewed for impairment		457		457			492
Collectively reviewed for impairment		46,895		46,895			44,325
Ending balance		47,352		47,352			44,817
Charge-offs		27	15	27	16
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance				485
Balance				(485)
Allowance for credit losses							485
Commercial Portfolio Segment [Member]
Balance		2,202	1,096	932	936
Provision for losses		(376)	(161)	434	(10)
Charge-offs		0	0	0	0
Recoveries		1	8	27	17
Balance		(2,202)	(1,096)	(932)	(936)
Provision for losses		376	161	(434)	10
Balance		1,827	943	1,827	943
Individual allowance		38		38			17
Collective allowance		1,789		1,789			915
Allowance for credit losses		1,827	943	1,827	943		932
Individually reviewed for impairment		500		500			561
Collectively reviewed for impairment		60,751		60,751			65,274
Ending balance		61,251		61,251			65,835
Charge-offs		$ 0	$ 0	0	$ 0
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance				1,302
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		6 Months Ended
		Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Loans (1)	[1]	$ 200	$ 66	$ 168	$ 362
Unfunded commitments		56	0	80	0
Total	[2]	$ 256	$ 66	$ 248	$ 362
[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	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Unclassified	$ 109,729		$ 109,729
Unclassified	286,018		286,018
Unclassified	191,481		191,481
Unclassified	137,753		137,753
Unclassified	31,043		31,043
Unclassified	38,845		38,845
Unclassified	44,204		44,204
Unclassified	839,073		839,073		$ 787,887
Current period gross write offs			0
Current period gross write offs			1
Current period gross write offs			0
Current period gross write offs			0
Current period gross write offs			0
Current period gross write offs			26
Current period gross write offs			0
Current period gross write offs	27	$ 15	27	$ 16
Residential Portfolio Segment [Member]
Unclassified	52,868		52,868
Unclassified	62,599		62,599
Unclassified	66,483		66,483
Unclassified	36,502		36,502
Unclassified	11,783		11,783
Unclassified	16,835		16,835
Unclassified	0		0
Unclassified	247,070		247,070		205,890
Current period gross write offs	0	0	0	0
Residential Portfolio Segment [Member] | Unclassified [Member]
Unclassified	52,788		52,788
Unclassified	62,140		62,140
Unclassified	66,483		66,483
Unclassified	36,420		36,420
Unclassified	11,571		11,571
Unclassified	16,476		16,476
Unclassified	0		0
Unclassified	245,878		245,878
Residential Portfolio Segment [Member] | Special Mention [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Residential Portfolio Segment [Member] | Substandard [Member]
Unclassified	80		80
Unclassified	459		459
Unclassified	0		0
Unclassified	82		82
Unclassified	187		187
Unclassified	342		342
Unclassified	0		0
Unclassified	1,150		1,150
Residential Portfolio Segment [Member] | Doubtful [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	25		25
Unclassified	17		17
Unclassified	0		0
Unclassified	42		42
Residential Portfolio Segment [Member] | Loss [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Commercial Real Estate Portfolio Segment [Member]
Unclassified	35,922		35,922
Unclassified	203,437		203,437
Unclassified	118,449		118,449
Unclassified	94,390		94,390
Unclassified	15,947		15,947
Unclassified	15,255		15,255
Unclassified	0		0
Unclassified	483,400		483,400		471,345
Current period gross write offs	0	0	0	0
Commercial Real Estate Portfolio Segment [Member] | Unclassified [Member]
Unclassified	33,570		33,570
Unclassified	195,116		195,116
Unclassified	115,449		115,449
Unclassified	80,905		80,905
Unclassified	15,300		15,300
Unclassified	12,636		12,636
Unclassified	0		0
Unclassified	452,976		452,976
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Unclassified	150		150
Unclassified	6,677		6,677
Unclassified	2,708		2,708
Unclassified	163		163
Unclassified	0		0
Unclassified	1,038		1,038
Unclassified	0		0
Unclassified	10,736		10,736
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Unclassified	2,202		2,202
Unclassified	1,644		1,644
Unclassified	292		292
Unclassified	13,322		13,322
Unclassified	647		647
Unclassified	1,581		1,581
Unclassified	0		0
Unclassified	19,688		19,688
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Commercial Real Estate Portfolio Segment [Member] | Loss [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Consumer Portfolio Segment [Member]
Unclassified	9,105		9,105
Unclassified	9,397		9,397
Unclassified	2,184		2,184
Unclassified	2,397		2,397
Unclassified	2,997		2,997
Unclassified	5,781		5,781
Unclassified	15,491		15,491
Unclassified	47,352		47,352		44,817
Current period gross write offs	27	15	27	16
Consumer Portfolio Segment [Member] | Unclassified [Member]
Unclassified	9,081		9,081
Unclassified	9,351		9,351
Unclassified	2,012		2,012
Unclassified	2,397		2,397
Unclassified	2,993		2,993
Unclassified	5,616		5,616
Unclassified	15,378		15,378
Unclassified	46,828		46,828
Consumer Portfolio Segment [Member] | Special Mention [Member]
Unclassified	24		24
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	24		24
Consumer Portfolio Segment [Member] | Substandard [Member]
Unclassified	0		0
Unclassified	30		30
Unclassified	137		137
Unclassified	0		0
Unclassified	4		4
Unclassified	165		165
Unclassified	64		64
Unclassified	400		400
Consumer Portfolio Segment [Member] | Doubtful [Member]
Unclassified	0		0
Unclassified	16		16
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	16		16
Consumer Portfolio Segment [Member] | Loss [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	35		35
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	49		49
Unclassified	84		84
Commercial Portfolio Segment [Member]
Unclassified	11,834		11,834
Unclassified	10,585		10,585
Unclassified	4,365		4,365
Unclassified	4,464		4,464
Unclassified	316		316
Unclassified	974		974
Unclassified	28,713		28,713
Unclassified	61,251		61,251		$ 65,835
Current period gross write offs	0	$ 0	0	$ 0
Commercial Portfolio Segment [Member] | Unclassified [Member]
Unclassified	10,230		10,230
Unclassified	9,485		9,485
Unclassified	4,112		4,112
Unclassified	4,136		4,136
Unclassified	286		286
Unclassified	935		935
Unclassified	26,393		26,393
Unclassified	55,577		55,577
Commercial Portfolio Segment [Member] | Special Mention [Member]
Unclassified	0		0
Unclassified	603		603
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	29		29
Unclassified	632		632
Commercial Portfolio Segment [Member] | Substandard [Member]
Unclassified	1,604		1,604
Unclassified	497		497
Unclassified	253		253
Unclassified	328		328
Unclassified	30		30
Unclassified	39		39
Unclassified	2,291		2,291
Unclassified	5,042		5,042
Commercial Portfolio Segment [Member] | Doubtful [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Commercial Portfolio Segment [Member] | Loss [Member]
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	0		0
Unclassified	$ 0		$ 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	Jun. 30, 2023	Dec. 31, 2022
Loans receivable	$ 839,073	$ 787,887
Loans 90 days or more past due and still accruing	0	0
Loans 90 days or more past due and still accruing	0	0
Residential Portfolio Segment [Member]
Loans receivable	247,070	205,890
Loans 90 days or more past due and still accruing	0	0
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	483,400	471,345
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	260,214	249,783
Loans 90 days or more past due and still accruing	0	0
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	223,186	221,562
Loans 90 days or more past due and still accruing	0	0
Loans 90 days or more past due and still accruing	0	0
Consumer Portfolio Segment [Member]
Loans receivable	47,352	44,817
Loans 90 days or more past due and still accruing	0	0
Loans 90 days or more past due and still accruing	0	0
Commercial Portfolio Segment [Member]
Loans receivable	61,251	65,835
Loans 90 days or more past due and still accruing	0	0
Loans 90 days or more past due and still accruing	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	1,845	1,352
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	1,581	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	264	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	105	268
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	42	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	63	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	277	569
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	187	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	90	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	2,227	2,189
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	1,810	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	417	605
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, Not Past Due [Member]
Loans receivable	836,846	785,698
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	245,260	204,884
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	260,214	249,783
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	223,186	220,984
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	46,935	44,212
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	$ 61,251	$ 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	6 Months Ended
		Jun. 30, 2022	Jun. 30, 2022	Jun. 30, 2023	Dec. 31, 2022
Related allowance				$ 172	$ 162
Recorded investment				1,786	2,140
Unpaid principal balance				1,803	2,158
Average recorded investment		$ 4,530	$ 4,569
Interest income recognized		6	20
Residential Portfolio Segment [Member]
Recorded investment, with no related allowance				424	667
Unpaid principal balance, with no related allowance				441	685
Recorded investment, with related allowance				229	241
Unpaid principal balance, with related allowance				229	241
Related allowance				30	33
Recorded investment				653	908
Unpaid principal balance				670	926
Average recorded investment, with no related allowance		439	377
Interest income recognized, with no related allowance		1	4
Average recorded investment, with related allowance		83	84
Interest income recognized, with related allowance		0	0
Average recorded investment		522	461
Interest income recognized		1	4
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Recorded investment, with no related allowance				176	179
Unpaid principal balance, with no related allowance				176	179
Recorded investment, with related allowance	[1]			176	179
Unpaid principal balance, with related allowance	[1]			176	179
Related allowance	[1]			0	0
Average recorded investment, with no related allowance		183	185
Interest income recognized, with no related allowance		2	10
Average recorded investment, with related allowance		3,326	3,407
Interest income recognized, with related allowance		0	0
Average recorded investment		3,509	3,592
Interest income recognized		2	10
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance				313	338
Unpaid principal balance, with no related allowance				313	338
Recorded investment, with related allowance				144	154
Unpaid principal balance, with related allowance				144	154
Related allowance	[2]			104	112
Recorded investment	[2]			457	492
Unpaid principal balance	[2]			457	492
Average recorded investment, with no related allowance		330	359
Interest income recognized, with no related allowance		3	5
Average recorded investment, with related allowance		162	150
Interest income recognized, with related allowance		0	1
Average recorded investment		492	509
Interest income recognized		3	6
Commercial Portfolio Segment [Member]
Recorded investment, with related allowance				500	561
Unpaid principal balance, with related allowance				500	561
Related allowance	[3]			38	17
Recorded investment	[3]			500	561
Unpaid principal balance	[3]			$ 500	$ 561
Average recorded investment, with related allowance		7	7
Interest income recognized, with related allowance		0	0
Average recorded investment		7	7
Interest income recognized		$ 0	$ 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	Jun. 30, 2023	Dec. 31, 2022
Non-accrual loans	$ 1,531	$ 1,878
Residential Portfolio Segment [Member]
Non-accrual loans	653	908
Consumer Portfolio Segment [Member]
Non-accrual loans	407	441
Commercial Portfolio Segment [Member]
Non-accrual loans	$ 471	$ 529

Note 10 - Intangible Assets (De

Note 10 - Intangible Assets (Details Textual) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Mortgage Servicing Rights and Core Deposits [Member]
Amortization of Intangible Assets	$ 0.4	$ 0.5

Note 10 - Intangible Assets - M

Note 10 - Intangible Assets - Mortgage Servicing Activity (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Balance, beginning of period	$ 2,986	$ 3,280	$ 3,280
Originations	215	419	615
Amortization	(412)	(465)	(909)
Balance, end of period	2,789	3,234	2,986
Fair value of mortgage servicing rights	$ 6,388	$ 6,103	$ 6,344

Note 10 - Intangible Assets - R

Note 10 - Intangible Assets - Risk Characteristics of Loans Being Serviced (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2023 USD ($)
Original Term Fifteen Year Fixed Rate [Member]
Loan Principal Balance	$ 100,685
Weighted Average Interest Rate	2.91%
Weighted Average Remaining Term (Month)	131 months
Number of Loans	984
Original Term Thirty Year Fixed Rate [Member]
Loan Principal Balance	$ 429,056
Weighted Average Interest Rate	3.66%
Weighted Average Remaining Term (Month)	304 months
Number of Loans	2,681

Note 10 - Intangible Assets - G

Note 10 - Intangible Assets - Gross Carrying Amount and Accumulated Amortization of Intangible Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Finite-lived intangible assets, accumulated amortization	$ (3,267)	$ (3,583)
Goodwill, gross carrying amount	802	802
Goodwill, accumulated impairment	0	0
Goodwill	802	802
Intangible assets (including goodwill), gross carrying amount	6,858	7,371
Intangible assets, unamortized intangible assets	3,591	3,788
Mortgage Servicing Rights [Member]
Finite-lived intangible assets, gross carrying amount	6,056	5,995
Finite-lived intangible assets, accumulated amortization	(3,267)	(3,009)
Finite-lived intangible assets, unamortized intangible assets	$ 2,789	2,986
Core Deposits [Member]
Finite-lived intangible assets, gross carrying amount		574
Finite-lived intangible assets, accumulated amortization		(574)
Finite-lived intangible assets, unamortized intangible assets		$ 0

Note 10 - Intangible Assets - E

Note 10 - Intangible Assets - Estimated Future Amortization Expense (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
2023	$ 363
2024	685
2025	622
2026	527
2027	354
Thereafter	238
Total	$ 2,789	$ 2,986

Note 11 - Leases (Details Textu

Note 11 - Leases (Details Textual) $ in Millions	6 Months Ended
	Jun. 30, 2023 USD ($)
Operating Lease, Cost	$ 0.1
Other Assets [Member]
Operating Lease, Right-of-Use Asset	$ 0.4
Minimum [Member]
Lessee, Operating Lease, Remaining Lease Term (Year)	14 years
Lessee, Operating Lease, Renewal Term (Year)	3 years
Maximum [Member]
Lessee, Operating Lease, Remaining Lease Term (Year)	53 years
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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 55	$ 58	$ 110	$ 115
Weighted-average remaining lease term – operating leases (Year)	2 years 4 months 24 days	2 years 6 months	2 years 4 months 24 days	2 years 6 months
Weighted-average discount rate – operating leases	2.67%	2.44%	2.67%	2.44%

Note 11 - Leases - Maturity of

Note 11 - Leases - Maturity of Remaining Lease Liabilities (Details) $ in Thousands	Jun. 30, 2023 USD ($)
2023	$ 117
2024	212
2025	58
2026	27
2027	25
Total lease payments	439
Less: Interest	(15)
Other Liabilities [Member]
Present value of lease liabilities	$ 424

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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Weighted average number of common shares outstanding used in basic earnings per common share calculation (in shares)	4,346,778	4,360,717	4,342,872	4,375,936
Restricted stock awards and options (in shares)	27,650	33,442	28,385	33,662
Weighted average number of shares outstanding adjusted for effect of dilutive securities (in shares)	4,374,428	4,394,159	4,371,257	4,409,598
Net income	$ 1,421	$ 2,289	$ 3,055	$ 3,776
Basic earnings per common share (in dollars per share)	$ 0.33	$ 0.52	$ 0.70	$ 0.86
Diluted earnings per common share (in dollars per share)	$ 0.32	$ 0.52	$ 0.70	$ 0.86

Note 13 - Regulatory Capital _3

Note 13 - Regulatory Capital and Oversight (Details Textual) $ in Millions	Jun. 30, 2023 USD ($)
Banks Tangible Assets	$ 1,100
Banking Regulation, Risk-Weighted Assets, Actual	$ 904.2
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	Jun. 30, 2023 USD ($)
Common equity tier 1 capital, actual amount	$ 102,707
Common equity tier 1 capital, actual percent of asset	0.1136
Common equity tier 1 capital, amount required to be adequately capitalized	$ 40,688
Common equity tier 1 capital, percent of assets required to be adequately capitalized	0.0450	[1]
Common equity tier 1 capital, excess capital amount	$ 62,019
Common equity tier 1 capital, excess capital percent of assets	0.0686	[1]
Common equity tier 1 capital, amount to be well capitalized under prompt corrective action provisions	$ 58,772
Common equity tier 1 capital, percent of assets to be well capitalized under prompt corrective action provisions	0.0650
Tier 1 leverage, actual amount	$ 102,707
Tier 1 leverage, actual percent of asset	0.0925
Tier 1 leverage, amount required to be adequately capitalized	$ 44,424
Tier 1 leverage, percent of assets required to be adequately capitalized	0.0400	[1]
Tier 1 leverage, excess capital amount	$ 58,283
Tier 1 leverage, excess capital percent of assets	0.0525	[1]
Tier 1 leverage, amount to be well capitalized under prompt corrective action provisions	$ 55,531
Tier 1 leverage, percent of assets to be well capitalized under prompt corrective action provisions	0.0500
Tier 1 risk-based capital, actual amount	$ 102,707
Tier 1 risk-based capital, actual percent of asset	0.1136
Tier 1 risk-based capital, amount required to be adequately capitalized	$ 54,251
Tier 1 risk-based capital, percent of assets required to be adequately capitalized	0.0600	[1]
Tier 1 risk-based capital, excess capital amount	$ 48,456
Tier 1 risk-based capital, excess capital percent of assets	0.0536	[1]
Tier 1 risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 72,334
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	$ 114,013
Total risk-based capital, actual percent of asset	0.1261
Total risk-based capital, amount required to be adequately capitalized	$ 72,334
Total risk-based capital, percent of assets required to be adequately capitalized	0.0800	[1]
Total risk-based capital, excess capital amount	$ 41,679
Total risk-based capital, excess capital percent of assets	0.0461	[1]
Total risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 90,418
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			6 Months Ended
	Jun. 07, 2023	Mar. 08, 2023	Jun. 30, 2023
Stock Repurchase Program, Authorized Amount			$ 6
Quarterly Dividend [Member]
Common Stock, Dividends, Per Share, Declared (in dollars per share)	$ 0.08	$ 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	Jun. 30, 2023 USD ($)
Letters of Credit Issued and Available Amount	$ 10.3

Note 16 - Business Segments - P

Note 16 - Business Segments - Profit and Assets for the Reportable Segments (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Interest income – external customers		$ 10,497	$ 8,057	$ 20,410	$ 15,622
Non-interest income – external customers		1,974	2,516	3,902	4,891
Intersegment interest income		0	0	0	0
Intersegment non-interest income		0	0	0	0
Interest expense		2,769	292	4,619	575
Provision for credit losses	[1]	256	66	248	362
Non-interest expense		7,457	6,983	15,150	14,235
Income tax expense (benefit)		568	943	1,240	1,565
Net income		1,421	2,289	3,055	3,776
Total assets		1,109,367	1,082,009	1,109,367	1,082,009	$ 1,096,202
Consolidation, Eliminations [Member]
Interest income – external customers		0	0	0	0
Non-interest income – external customers		0	0	0	0
Intersegment interest income		(76)	(8)	(140)	(17)
Intersegment non-interest income		(1,611)	(2,491)	(3,417)	(4,188)
Interest expense		(76)	(8)	(140)	(17)
Provision for credit losses		0	0	0	0
Non-interest expense		(72)	(58)	(130)	(117)
Income tax expense (benefit)		0	0	0	0
Net income		(1,539)	(2,433)	(3,287)	(4,071)
Total assets		(102,091)	(95,199)	(102,091)	(95,199)
Home Federal Savings Bank [Member] | Operating Segments [Member]
Interest income – external customers		10,497	8,057	20,410	15,622
Non-interest income – external customers		1,974	2,516	3,902	4,891
Intersegment interest income		0	0	0	0
Intersegment non-interest income		72	58	130	117
Interest expense		2,845	300	4,759	592
Provision for credit losses		256	66	248	362
Non-interest expense		7,305	6,841	14,847	13,947
Income tax expense (benefit)		598	991	1,301	1,658
Net income		1,539	2,433	3,287	4,071
Total assets		1,109,224	1,081,228	1,109,224	1,081,228
Other Segments [Member] | Operating Segments [Member]
Interest income – external customers		0	0	0	0
Non-interest income – external customers		0	0	0	0
Intersegment interest income		76	8	140	17
Intersegment non-interest income		1,539	2,433	3,287	4,071
Interest expense		0	0	0	0
Provision for credit losses		0	0	0	0
Non-interest expense		224	200	433	405
Income tax expense (benefit)		(30)	(48)	(61)	(93)
Net income		1,421	2,289	3,055	3,776
Total assets		$ 102,234	$ 95,980	$ 102,234	$ 95,980
[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.