Note 4 - Loans Receivable and Allowance for Credit Losses on Loans (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	December 31,
REAL ESTATE LOANS	2023			2022
Commercial	$	366,328		$	334,059
Construction and development		303,054			342,591
Home equity		69,488			55,387
One-to-four-family (excludes loans held for sale)		567,742			469,485
Multi-family		223,769			219,738
Total real estate loans		1,530,381			1,421,260
CONSUMER LOANS
Indirect home improvement		569,903			495,941
Marine		73,310			70,567
Other consumer		3,540			3,064
Total consumer loans		646,753			569,572
COMMERCIAL BUSINESS LOANS
Commercial and industrial		238,301			196,791
Warehouse lending		17,580			31,229
Total commercial business loans		255,881			228,020
Total loans receivable, gross		2,433,015			2,218,852
ACL on loans		(31,534	)		(27,992	)
Total loans receivable, net	$	2,401,481		$	2,190,860

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	At or For the Year Ended December 31, 2023
	Real						Commercial
ACL ON LOANS	Estate			Consumer			Business			Unallocated		Total
Beginning balance	$	12,123		$	12,109		$	3,760		$	—	$	27,992
Provision for credit losses on loans		1,994			3,465			311			—		5,770
Charge-offs		(10	)		(3,465	)		(1	)		—		(3,476	)
Recoveries		—			1,248			—			—		1,248
Net charge-offs		(10	)		(2,217	)		(1	)		—		(2,228	)
Total ending ACL balance	$	14,107		$	13,357		$	4,070		$	—	$	31,534

	At or For the Year Ended December 31, 2022
	Real						Commercial
ACL ON LOANS	Estate			Consumer			Business			Unallocated			Total
Beginning balance, prior to adoption of ASC 326	$	14,798		$	4,280		$	6,536		$	21		$	25,635
Impact of adopting ASC 326		(5,234	)		6,078			(3,682	)		(21	)		(2,859	)
Provision for credit losses on loans		2,559			3,158			906			—			6,623
Charge-offs		—			(2,465	)		—			—			(2,465	)
Recoveries		—			1,058			—			—			1,058
Net charge-offs		—			(1,407	)		—			—			(1,407	)
Total ending ACL balance	$	12,123		$	12,109		$	3,760		$	—		$	27,992

	At or For the Year Ended December 31, 2021
						Commercial
ALLOWANCE FOR LOAN LOSSES	Real Estate		Consumer			Business			Unallocated			Total
Beginning balance	$	13,846	$	6,696		$	4,939		$	691		$	26,172
Provision for (recapture of) loan losses		952		(1,417	)		1,635			(670	)		500
Charge-offs		—		(1,755	)		(38	)		—			(1,793	)
Recoveries		—		756			—			—			756
Net charge-offs		—		(999	)		(38	)		—			(1,037	)
Total ending allowance for loan losses balance	$	14,798	$	4,280		$	6,536		$	21		$	25,635
Period end amount allocated to:
Loans individually evaluated for impairment	$	23	$	219		$	921		$	—		$	1,163
Loans collectively evaluated for impairment		14,775		4,061			5,615			21			24,472
Ending balance	$	14,798	$	4,280		$	6,536		$	21		$	25,635
LOANS RECEIVABLE
Loans individually evaluated for impairment	$	781	$	629		$	4,419		$	—		$	5,829
Loans collectively evaluated for impairment		1,089,522		421,414			237,410			—			1,748,346
Ending balance	$	1,090,303	$	422,043		$	241,829		$	—		$	1,754,175

Financing Receivable, Modified [Table Text Block]

	Payment Deferral
	Amortized Cost		% of Total Loan
December 31, 2023	Basis		Type			Financial Effect
Commercial real estate	$	1,088		0.3	%	Deferred payments and capitalized interest for a weighted-average period of 1.5 years.

	Combination - Term Extension and Interest Rate Reduction
	Amortized Cost		% of Total Loan
December 31, 2023	Basis		Type			Financial Effect
C&I	$	2,940		1.2	%	Reduced weighted-average contractual interest rate from 7.5% to 4.1%, and added a weighted-average 5 years to the life of the loans.

Financing Receivable, Past Due [Table Text Block]

	December 31, 2023
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
REAL ESTATE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual (1)
Commercial	$	—	$	—	$	—	$	—	$	366,328	$	366,328	$	1,088
Construction and development		—		—		—		—		303,054		303,054		4,699
Home equity		79		25		136		240		69,248		69,488		173
One-to-four-family		—		96		—		96		567,646		567,742		96
Multi-family		—		—		—		—		223,769		223,769		—
Total real estate loans		79		121		136		336		1,530,045		1,530,381		6,056
CONSUMER LOANS
Indirect home improvement		1,759		1,248		777		3,784		566,119		569,903		1,863
Marine		373		243		137		753		72,557		73,310		342
Other consumer		57		18		6		81		3,459		3,540		8
Total consumer loans		2,189		1,509		920		4,618		642,135		646,753		2,213
COMMERCIAL BUSINESS LOANS
C&I		—		—		2,514		2,514		235,787		238,301		2,683
Warehouse lending		—		—		—		—		17,580		17,580		—
Total commercial business loans		—		—		2,514		2,514		253,367		255,881		2,683
Total loans	$	2,268	$	1,630	$	3,570	$	7,468	$	2,425,547	$	2,433,015	$	10,952

	December 31, 2022
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
REAL ESTATE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual (1)
Commercial	$	—	$	—	$	—	$	—	$	334,059	$	334,059	$	—
Construction and development		—		—		—		—		342,591		342,591		—
Home equity		29		104		16		149		55,238		55,387		46
One-to-four-family		—		—		463		463		469,022		469,485		920
Multi-family		—		—		—		—		219,738		219,738		—
Total real estate loans		29		104		479		612		1,420,648		1,421,260		966
CONSUMER LOANS
Indirect home improvement		2,298		685		532		3,515		492,426		495,941		1,076
Marine		650		385		86		1,121		69,446		70,567		267
Other consumer		32		37		5		74		2,990		3,064		9
Total consumer loans		2,980		1,107		623		4,710		564,862		569,572		1,352
COMMERCIAL BUSINESS LOANS
C&I		1		—		2,617		2,618		194,173		196,791		6,334
Warehouse lending		—		—		—		—		31,229		31,229		—
Total commercial business loans		1		—		2,617		2,618		225,402		228,020		6,334
Total loans	$	3,010	$	1,211	$	3,719	$	7,940	$	2,210,912	$	2,218,852	$	8,652

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2023
															Revolving Loans
REAL ESTATE LOANS	Term Loans by Year of Origination														Converted
Commercial	2023		2022		2021		2020		2019		Prior		Revolving Loans		to Term		Total Loans
Pass	$	48,551	$	91,144	$	61,689	$	46,117	$	27,957	$	61,764	$	499	$	—	$	337,721
Watch		3,201		5,446		12,894		—		453		2,226		45		—		24,265
Special mention		—		—		—		—		409		—		—		—		409
Substandard		—		—		—		1,650		—		1,957		—		326		3,933
Total commercial		51,752		96,590		74,583		47,767		28,819		65,947		544		326		366,328
Construction and development
Pass		120,155		106,168		46,989		15,219		—		540		9,284		—		298,355
Substandard		—		4,699		—		—		—		—		—		—		4,699
Total construction and development		120,155		110,867		46,989		15,219		—		540		9,284		—		303,054
Home equity
Pass		4,583		398		1,584		6,525		11		2,137		54,077		—		69,315
Substandard		—		—		—		—		—		36		137		—		173
Total home equity		4,583		398		1,584		6,525		11		2,173		54,214		—		69,488
Home equity gross charge-offs		—		—		—		—		—		—		10		—		10
One-to-four-family
Pass		103,165		175,412		122,406		80,815		30,595		52,008		—		472		564,873
Substandard		—		866		—		—		—		2,003		—		—		2,869
Total one-to-four-family		103,165		176,278		122,406		80,815		30,595		54,011		—		472		567,742
Multi-family
Pass		7,106		20,404		91,047		42,511		37,990		24,711		—		—		223,769
Total multi-family		7,106		20,404		91,047		42,511		37,990		24,711		—		—		223,769
Total real estate loans	$	286,761	$	404,537	$	336,609	$	192,837	$	97,415	$	147,382	$	64,042	$	798	$	1,530,381

	December 31, 2023
															Revolving Loans
CONSUMER LOANS	Term Loans by Year of Origination														Converted
Indirect home improvement	2023		2022		2021		2020		2019		Prior		Revolving Loans		to Term		Total Loans
Pass	$	171,208	$	212,661	$	93,664	$	36,032	$	23,977	$	30,492	$	6	$	—	$	568,040
Substandard		212		663		448		141		258		141		—		—		1,863
Total indirect home improvement		171,420		213,324		94,112		36,173		24,235		30,633		6		—		569,903
Indirect home improvement gross charge-offs		204		1,386		567		290		145		336		—		—		2,928
Marine
Pass		13,619		23,963		9,987		13,082		5,267		7,050		—		—		72,968
Substandard		—		—		52		85		—		205		—		—		342
Total marine		13,619		23,963		10,039		13,167		5,267		7,255		—		—		73,310
Marine gross charge-offs		—		47		93		—		7		256		—		—		403
Other consumer
Pass		309		559		175		69		3		159		2,258		—		3,532
Substandard		—		—		—		—		—		—		8		—		8
Total other consumer		309		559		175		69		3		159		2,266		—		3,540
Other consumer gross charge-offs		—		2		12		—		—		—		120		—		134
Total consumer loans	$	185,348	$	237,846	$	104,326	$	49,409	$	29,505	$	38,047	$	2,272	$	—	$	646,753

	December 31, 2023
COMMERCIAL															Revolving Loans
BUSINESS LOANS	Term Loans by Year of Origination														Converted
C&I	2023		2022		2021		2020		2019		Prior		Revolving Loans		to Term		Total Loans
Pass	$	13,971	$	32,334	$	19,634	$	11,537	$	5,122	$	9,707	$	119,844	$	145	$	212,294
Watch		2,322		—		1,382		2,366		—		953		5,754		—		12,777
Special mention		143		—		—		—		498		253		1,345		—		2,239
Substandard		2,940		—		2,321		1,391		1,766		169		2,005		—		10,592
Doubtful		—		—		—		—		—		—		399		—		399
Total C&I		19,376		32,334		23,337		15,294		7,386		11,082		129,347		145		238,301
C&I gross charge-offs		—		—		1		—		—		—		—		—		1
Warehouse lending
Pass		—		—		—		—		—		—		17,003		—		17,003
Watch		—		—		—		—		—		—		577		—		577
Total warehouse lending		—		—		—		—		—		—		17,580		—		17,580
Total commercial business loans	$	19,376	$	32,334	$	23,337	$	15,294	$	7,386	$	11,082	$	146,927	$	145	$	255,881
TOTAL LOANS RECEIVABLE, GROSS
Pass	$	482,667	$	663,043	$	447,175	$	251,907	$	130,922	$	188,568	$	202,971	$	617	$	2,367,870
Watch		5,523		5,446		14,276		2,366		453		3,179		6,376		—		37,619
Special mention		143		—		—		—		907		253		1,345		—		2,648
Substandard		3,152		6,228		2,821		3,267		2,024		4,511		2,150		326		24,479
Doubtful		—		—		—		—		—		—		399		—		399
Total loans receivable, gross	$	491,485	$	674,717	$	464,272	$	257,540	$	134,306	$	196,511	$	213,241	$	943	$	2,433,015
Total gross charge-offs	$	204	$	1,435	$	673	$	290	$	152	$	592	$	130	$	—	$	3,476

	December 31, 2022
															Revolving Loans
REAL ESTATE LOANS	Term Loans by Year of Origination														Converted
Commercial	2022		2021		2020		2019		2018		Prior		Revolving Loans		to Term		Total Loans
Pass	$	86,189	$	76,030	$	46,125	$	38,930	$	14,101	$	55,271	$	—	$	—	$	316,646
Watch		9,504		—		373		—		—		—		—		—		9,877
Special mention		—		—		—		2,113		—		—		—		—		2,113
Substandard		—		—		—		—		581		4,842		—		—		5,423
Total commercial		95,693		76,030		46,498		41,043		14,682		60,113		—		—		334,059
Construction and development
Pass		193,084		118,724		21,966		8,379		—		438		—		—		342,591
Total construction and development		193,084		118,724		21,966		8,379		—		438		—		—		342,591
Home equity
Pass		4,978		1,696		6,818		11		1,203		1,572		39,063		—		55,341
Watch		—		—		—		—		—		—		—		—		—
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		13		33		—		—		46
Total home equity		4,978		1,696		6,818		11		1,216		1,605		39,063		—		55,387
One-to-four-family
Pass		166,388		129,282		82,461		31,878		15,837		40,526		—		199		466,571
Watch		—		—		—		—		—		—		—		—		—
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		1,941		973		—		—		2,914
Total one-to-four-family		166,388		129,282		82,461		31,878		17,778		41,499		—		199		469,485
Multi-family
Pass		41,041		63,353		48,376		38,805		4,176		23,987		—		—		219,738
Total multi-family		41,041		63,353		48,376		38,805		4,176		23,987		—		—		219,738
Total real estate loans	$	501,184	$	389,085	$	206,119	$	120,116	$	37,852	$	127,642	$	39,063	$	199	$	1,421,260

	December 31, 2022
															Revolving Loans
CONSUMER LOANS	Term Loans by Year of Origination														Converted
Indirect home improvement	2022		2021		2020		2019		2018		Prior		Revolving Loans		to Term		Total Loans
Pass	$	253,495	$	123,264	$	46,476	$	31,251	$	18,165	$	22,205	$	9	$	—	$	494,865
Watch		—		—		—		—		—		—		—		—		—
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		347		213		137		62		169		148		—		—		1,076
Total indirect home improvement		253,842		123,477		46,613		31,313		18,334		22,353		9		—		495,941
Marine
Pass		27,904		11,762		15,139		6,224		5,415		3,856		—		—		70,300
Watch		—		—		—		—		—		—		—		—		—
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		151		61		55		—		—		267
Total marine		27,904		11,762		15,139		6,375		5,476		3,911		—		—		70,567
Other consumer
Pass		792		754		116		48		14		80		1,251		—		3,055
Substandard		1		5		—		—		—		—		3		—		9
Total other consumer		793		759		116		48		14		80		1,254		—		3,064
Total consumer loans	$	282,539	$	135,998	$	61,868	$	37,736	$	23,824	$	26,344	$	1,263	$	—	$	569,572

	December 31, 2022
COMMERCIAL															Revolving Loans
BUSINESS LOANS	Term Loans by Year of Origination														Converted
C&I	2022		2021		2020		2019		2018		Prior		Revolving Loans		to Term		Total Loans
Pass	$	24,337	$	22,561	$	12,461	$	3,940	$	3,074	$	7,701	$	104,524	$	—	$	178,598
Watch		—		1,127		2,932		—		—		746		1,327		—		6,132
Special mention		—		—		—		634		—		—		963		—		1,597
Substandard		—		1,586		1,265		2,291		190		3,739		1,093		300		10,464
Total C&I		24,337		25,274		16,658		6,865		3,264		12,186		107,907		300		196,791
Warehouse lending
Pass		—		—		—		—		—		—		31,227		—		31,227
Watch		—		—		—		—		—		—		2		—		2
Total warehouse lending		—		—		—		—		—		—		31,229		—		31,229
Total commercial business loans	$	24,337	$	25,274	$	16,658	$	6,865	$	3,264	$	12,186	$	139,136	$	300	$	228,020
TOTAL LOANS RECEIVABLE, GROSS
Pass	$	798,208	$	547,426	$	279,938	$	159,466	$	61,985	$	155,636	$	176,074	$	199	$	2,178,932
Watch		9,504		1,127		3,305		—		—		746		1,329		—		16,011
Special mention		—		—		—		2,747		—		—		963		—		3,710
Substandard		348		1,804		1,402		2,504		2,955		9,790		1,096		300		20,199
Total loans receivable, gross	$	808,060	$	550,357	$	284,645	$	164,717	$	64,940	$	166,172	$	179,462	$	499	$	2,218,852

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2023						December 31, 2022
	Nonaccrual with		Nonaccrual with		Total		Nonaccrual with		Nonaccrual with		Total
REAL ESTATE LOANS	No ACL		ACL		Nonaccrual		No ACL		ACL		Nonaccrual
Commercial	$	1,088	$	—	$	1,088	$	—	$	—	$	—
Construction and development		—		4,699		4,699		—		—		—
Home equity		173		—		173		46		—		46
One-to-four-family		96		—		96		920		—		920
		1,357		4,699		6,056		966		—		966
CONSUMER LOANS
Indirect home improvement		—		1,863		1,863		—		1,076		1,076
Marine		—		342		342		—		267		267
Other consumer		—		8		8		—		9		9
		—		2,213		2,213		—		1,352		1,352
COMMERCIAL BUSINESS LOANS
C&I		—		2,683		2,683		—		6,334		6,334
Total	$	1,357	$	9,595	$	10,952	$	966	$	7,686	$	8,652

Financing Receivable, Collateral Dependent Loans [Table Text Block]

	December 31, 2023								December 31, 2022
					Other						Other
	Commercial		Residential		Non-Real				Residential		Non-Real
REAL ESTATE LOANS	Real Estate		Real Estate		Estate		Total		Real Estate		Estate		Total
Commercial	$	1,088	$	—	$	—	$	1,088	$	—	$	—	$	—
Construction and development		4,699		—		—		4,699		—		—		—
Home equity		—		173		—		173		46	$	—	$	46
One-to-four-family		—		96		—		96		920		—		920
		5,787		269		—		6,056		966		—		966
CONSUMER LOANS
Indirect home improvement		—		—		1,863		1,863		—		1,076		1,076
Marine		—		—		342		342		—		267		267
		—		—		2,205		2,205		—		1,343		1,343
COMMERCIAL BUSINESS LOANS
C&I		—		—		2,683		2,683		—		6,334		6,334
Total	$	5,787	$	269	$	4,888	$	10,944	$	966	$	7,677	$	8,643

Related Party [Member]

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	At December 31,
	2023			2022
Beginning balance	$	3,445		$	4,207
Additions		—			—
Repayments		(102	)		(762	)
Ending balance	$	3,343		$	3,445