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Note 4 - Allowance for Credit Losses on Loans - Allowance for Loan Losses (Details) - USD ($)
3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Jun. 30, 2023
Dec. 31, 2022
Balance   $ 15,747,000 $ 16,116,000 [1] $ 15,124,000    
Write-offs $ (731,000) (265,000) (2,668,000) (475,000)    
Recoveries 501,000 41,000 93,000 374,000    
Provision for credit losses 880,000 750,000 1,195,000 1,250,000    
Balance 16,945,000 [1] 16,273,000 16,945,000 [1] 16,273,000    
Recoveries (501,000) (41,000) (93,000) (374,000)    
Allowance for Credit Loss 16,945,000 [1] 16,273,000 16,945,000 [1] 16,273,000   $ 16,116,000 [1]
General reserve           16,084,000
Specific reserve           32,000
Gross loans           1,534,380,000
Loans collectively evaluated (1)           1,531,346,000
Loans individually evaluated (2) 4,100,000 1,500,000 4,100,000 1,500,000 $ 2,700,000 3,034,000
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 17,297,000   18,325,000      
Allowance for Credit Loss         17,297,000 18,325,000
Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     2,209,000      
Allowance for Credit Loss           2,209,000
Real Estate Portfolio Segment [Member] | One-to-four Family Loan [Member]            
Balance   3,026,000 3,343,000 3,184,000    
Write-offs 0 0 0 0    
Recoveries 0 0 4,000 32,000    
Provision for credit losses 526,000 188,000 620,000 (2,000)    
Balance 3,538,000 3,214,000 3,538,000 3,214,000    
Recoveries 0 0 (4,000) (32,000)    
Allowance for Credit Loss 3,538,000 3,214,000 3,538,000 3,214,000   3,343,000
General reserve           3,321,000
Specific reserve           22,000
Gross loans           343,825,000
Loans collectively evaluated (1)           341,171,000
Loans individually evaluated (2)           2,654,000
Real Estate Portfolio Segment [Member] | One-to-four Family Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 3,012,000   2,914,000      
Allowance for Credit Loss         3,012,000 2,914,000
Real Estate Portfolio Segment [Member] | One-to-four Family Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     (429,000)      
Allowance for Credit Loss           (429,000)
Real Estate Portfolio Segment [Member] | Multi-family Loan [Member]            
Balance   2,168,000 2,468,000 1,816,000    
Write-offs 0 0 0 0    
Recoveries 0 0 0 0    
Provision for credit losses 230,000 164,000 252,000 516,000    
Balance 1,271,000 2,332,000 1,271,000 2,332,000    
Recoveries 0 0 0 0    
Allowance for Credit Loss 1,271,000 2,332,000 1,271,000 2,332,000   2,468,000
General reserve           2,468,000
Specific reserve           0
Gross loans           253,551,000
Loans collectively evaluated (1)           253,551,000
Loans individually evaluated (2)           0
Real Estate Portfolio Segment [Member] | Multi-family Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 1,041,000   1,019,000      
Allowance for Credit Loss         1,041,000 1,019,000
Real Estate Portfolio Segment [Member] | Multi-family Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     (1,449,000)      
Allowance for Credit Loss           (1,449,000)
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]            
Balance   4,154,000 4,217,000 3,996,000    
Write-offs 0 0 0 0    
Recoveries 0 0 0 0    
Provision for credit losses (390,000) (45,000) (1,079,000) 113,000    
Balance 2,534,000 4,109,000 2,534,000 4,109,000    
Recoveries 0 0 0 0    
Allowance for Credit Loss 2,534,000 4,109,000 2,534,000 4,109,000   4,217,000
General reserve           4,217,000
Specific reserve           0
Gross loans           390,246,000
Loans collectively evaluated (1)           390,196,000
Loans individually evaluated (2)           50,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 2,924,000   3,613,000      
Allowance for Credit Loss         2,924,000 3,613,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     (604,000)      
Allowance for Credit Loss           (604,000)
Real Estate Portfolio Segment [Member] | Construction Loans [Member]            
Balance   2,550,000 2,344,000 2,672,000    
Write-offs 0 0 0 0    
Recoveries 0 0 0 2,000    
Provision for credit losses (352,000) (36,000) (1,716,000) (160,000)    
Balance 2,183,000 2,514,000 2,183,000 2,514,000    
Recoveries 0 0 0 (2,000)    
Allowance for Credit Loss 2,183,000 2,514,000 2,183,000 2,514,000   2,344,000
General reserve           2,343,000
Specific reserve           1,000
Gross loans           194,646,000
Loans collectively evaluated (1)           194,630,000
Loans individually evaluated (2)           16,000
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 2,535,000   3,899,000      
Allowance for Credit Loss         2,535,000 3,899,000
Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     1,555,000      
Allowance for Credit Loss           1,555,000
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]            
Balance   486,000 549,000 407,000    
Write-offs 0 0 (11,000) 0    
Recoveries 0 12,000 5,000 29,000    
Provision for credit losses 178,000 9,000 414,000 71,000    
Balance 1,303,000 507,000 1,303,000 507,000    
Recoveries 0 (12,000) (5,000) (29,000)    
Allowance for Credit Loss 1,303,000 507,000 1,303,000 507,000   549,000
General reserve           545,000
Specific reserve           4,000
Gross loans           52,322,000
Loans collectively evaluated (1)           52,100,000
Loans individually evaluated (2)           222,000
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 1,125,000   895,000      
Allowance for Credit Loss         1,125,000 895,000
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     346,000      
Allowance for Credit Loss           346,000
Consumer Portfolio Segment [Member] | Automobile and Other Loan [Member]            
Balance   2,367,000 2,024,000 2,221,000    
Write-offs (731,000) (265,000) (2,657,000) (475,000)    
Recoveries 501,000 29,000 84,000 169,000    
Provision for credit losses 601,000 428,000 2,332,000 644,000    
Balance 4,164,000 2,559,000 4,164,000 2,559,000    
Recoveries (501,000) (29,000) (84,000) (169,000)    
Allowance for Credit Loss 4,164,000 2,559,000 4,164,000 2,559,000   2,024,000
General reserve           2,019,000
Specific reserve           5,000
Gross loans           222,794,000
Loans collectively evaluated (1)           222,702,000
Loans individually evaluated (2)           92,000
Consumer Portfolio Segment [Member] | Automobile and Other Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 4,795,000   4,405,000      
Allowance for Credit Loss         4,795,000 4,405,000
Consumer Portfolio Segment [Member] | Automobile and Other Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     2,381,000      
Allowance for Credit Loss           2,381,000
Commercial Portfolio Segment [Member]            
Balance   680,000 786,000 470,000    
Write-offs 0 0 0 0    
Recoveries 0 0 0 142,000    
Provision for credit losses 87,000 14,000 372,000 82,000    
Balance 1,952,000 694,000 1,952,000 694,000    
Recoveries 0 0 0 (142,000)    
Allowance for Credit Loss 1,952,000 694,000 1,952,000 694,000   786,000
General reserve           786,000
Specific reserve           0
Gross loans           76,996,000
Loans collectively evaluated (1)           76,996,000
Loans individually evaluated (2)           0
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance 1,865,000   1,580,000      
Allowance for Credit Loss         $ 1,865,000 1,580,000
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     794,000      
Allowance for Credit Loss           794,000
Unallocated Financing Receivables [Member]            
Balance   316,000 385,000 358,000    
Write-offs   0 0 0    
Recoveries   0 0 0    
Provision for credit losses   28,000 0 (14,000)    
Balance 0 344,000 0 344,000    
Recoveries   0 0 0    
Allowance for Credit Loss $ 0 $ 344,000 0 $ 344,000   385,000
General reserve           385,000
Specific reserve           0
Gross loans           0
Loans collectively evaluated (1)           0
Loans individually evaluated (2)           0
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
Balance     0      
Allowance for Credit Loss           0
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]            
Balance     $ (385,000)      
Allowance for Credit Loss           $ (385,000)
[1] Allowance for credit losses on loans in 2023 reported using the CECL method and in 2022 reported using the incurred loss method.