Note 3 - Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

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

	December 31, 2023		December 31, 2022
	(In thousands)
Real Estate:
One-to-four family	$	378,432	$	343,559
Multi-family		333,094		252,745
Commercial real estate		387,983		388,884
Construction and land		129,691		193,646
Total real estate loans		1,229,200		1,178,834
Consumer:
Home equity		69,403		52,877
Auto and other consumer		249,130		238,913
Total consumer loans		318,533		291,790
Commercial business loans		112,295		76,927
Total loans receivable		1,660,028		1,547,551
Less:
Allowance for credit losses on loans (1)		17,510		16,116
Total loans receivable, net	$	1,642,518	$	1,531,435

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

	December 31, 2023		December 31, 2022
	(In thousands)
Adjustable-rate loans
Due within one year	$	353,493	$	329,190
After one but within five years		314,634		276,676
After five but within ten years		51,528		51,317
After ten years		—		888
Total adjustable-rate loans		719,655		658,071
Fixed-rate loans
Due within one year	$	49,582	$	3,479
After one but within five years		167,137		189,768
After five but within ten years		205,188		220,224
After ten years		518,466		476,009
Total fixed-rate loans		940,373		889,480
Total loans receivable	$	1,660,028	$	1,547,551

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2023						December 31, 2022
	Collateral Dependent Loans		Non-collateral Dependent Loans		Total Nonaccrual Loans		Total Nonaccrual Loans (1)
					(In thousands)
One-to-four family	$1,426		$	418	$	1,844	$	954
Commercial real estate	—			28		28		53
Construction and land	14,981			5		14,986		15
Home equity	30			93		123		196
Auto and other consumer	180			606		786		575
Commercial business loans	877			—		877		—
Total nonaccrual loans	$	17,494	$1,150		$	18,644	$	1,793

Financing Receivable Credit Quality Indicators [Table Text Block]

	Nonperforming		Performing		Total
	(In thousands)
Real Estate:
One-to-four family	$	954	$	342,605	$	343,559
Multi-family		—		252,745		252,745
Commercial real estate		53		388,831		388,884
Construction and land		15		193,631		193,646
Consumer:
Home equity		196		52,681		52,877
Auto and other consumer		575		238,338		238,913
Commercial business loans		—		76,927		76,927
Total loans receivable	$	1,793	$	1,545,758	$	1,547,551

	Term Loans by Year of Origination (1)													Revolving		Total
	2023		2022		2021		2020		2019		Prior			Loans		Loans
	(In thousands)
One-to-four family
Pass (Grades 1-3)	$	2,282	$	102,389	$	118,028	$	69,229	$	13,882	$	65,701		$	—	$	371,511
Watch (Grade 4)		—		275		1,338		1,569		—		1,295			—		4,477
Special Mention (Grade 5)		—		—		—		300		—		80			—		380
Substandard (Grade 6)		—		—		—		327		482		1,255			—		2,064
Total one-to-four family		2,282		102,664		119,366		71,425		14,364		68,331			—		378,432
Gross charge-offs		—		—		—		—		—		—			—		—
Multi-family
Pass (Grades 1-3)		52,208		105,902		88,293		57,588		6,922		5,356			—		316,269
Watch (Grade 4)		—		—		15,126		708		—		991			—		16,825
Total multi-family		52,208		105,902		103,419		58,296		6,922		6,347			—		333,094
Gross charge-offs		—		—		—		—		—		—			—		—
Commercial Real Estate
Pass (Grades 1-3)		52,823		87,712		99,058		76,664		13,096		22,425			—		351,778
Watch (Grade 4)		4,433		1,168		1,340		8,829		3,561		496			—		19,827
Special Mention (Grade 5)		—		—		6,528		—		—		2			—		6,530
Substandard (Grade 6)		—		28		8,526		1,294		—		—			—		9,848
Total commercial real estate		57,256		88,908		115,452		86,787		16,657		22,923			—		387,983
Gross charge-offs		—		—		—		—		—		—			—		—
Construction and Land
Pass (Grades 1-3)		20,772		49,508		23,988		727		344		464			—		95,803
Watch (Grade 4)		6,512		4,935		229		—		—		15			—		11,691
Special Mention (Grade 5)		7,196		—		—		—		—		14			—		7,210
Substandard (Grade 6)		14,981		—		—		—		—		6			—		14,987
Total construction and land		49,461		54,443		24,217		727		344		499			—		129,691
Gross charge-offs		—		—		—		—		—		—			—		—
Home Equity
Pass (Grades 1-3)		7,179		7,169		4,638		3,063		1,331		4,283			41,105		68,768
Watch (Grade 4)		—		—		—		—		—		155			345		500
Substandard (Grade 6)		—		—		30		59		—		13			33		135
Total home equity		7,179		7,169		4,668		3,122		1,331		4,451			41,483		69,403
Gross charge-offs		—		—		—		—		—		10			—		10
Auto and Other Consumer
Pass (Grades 1-3)		49,649		69,052		64,101		29,113		14,660		18,593			385		245,553
Watch (Grade 4)		270		919		579		204		138		59			4		2,173
Special Mention (Grade 5)		90		334		33		162		—		—			—		619
Substandard (Grade 6)		84		393		—		—		30		278			—		785
Total auto and other consumer		50,093		70,698		64,713		29,479		14,828		18,930			389		249,130
Gross charge-offs		—		3,018		15		52		11		112			104		3,312
Commercial business
Pass (Grades 1-3)		23,499		19,191		11,032		2,440		455		13,635			29,976		100,228
Watch (Grade 4)		340		62		275		270		—		(1	)		3,806		4,752
Substandard (Grade 6)		291		3,653		104		779		—		(1	)		2,489		7,315
Total commercial business		24,130		22,906		11,411		3,489		455		13,633			36,271		112,295
Gross charge-offs		—		—		—		—		—		—			—		—
Total loans
Pass (Grades 1-3)		208,412		440,923		409,138		238,824		50,690		130,457			71,466		1,549,910
Watch (Grade 4)		11,555		7,359		18,887		11,580		3,699		3,010			4,155		60,245
Special Mention (Grade 5)		7,286		334		6,561		462		—		96			—		14,739
Substandard (Grade 6)		15,356		4,074		8,660		2,459		512		1,551			2,522		35,134
Total loans	$	242,609	$	452,690	$	443,246	$	253,325	$	54,901	$	135,114		$	78,143	$	1,660,028
Total gross charge-offs	$	—	$	3,018	$	15	$	52	$	11	$	122		$	104	$	3,322

	Pass		Watch		Special Mention		Substandard		Total
	(In thousands)
Real Estate:
One-to-four family	$	339,812	$	2,234	$	27	$	1,486	$	343,559
Multi-family		237,077		15,668		—		—		252,745
Commercial real estate		350,001		25,586		12,161		1,136		388,884
Construction and land		179,116		529		—		14,001		193,646
Total real estate loans		1,106,006		44,017		12,188		16,623		1,178,834
Consumer:
Home equity		52,295		372		14		196		52,877
Auto and other consumer		238,522		222		75		94		238,913
Total consumer loans		290,817		594		89		290		291,790
Commercial business loans		66,276		2,234		8,417		—		76,927
Total loans receivable	$	1,463,099	$	46,845	$	20,694	$	16,913	$	1,547,551

Financing Receivable, Past Due [Table Text Block]

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total loans receivable
	(In thousands)
Real Estate:
One-to-four family	$	802	$	—	$	1,010	$	1,812	$	376,620	$	378,432
Multi-family		—		—		—		—		333,094		333,094
Commercial real estate		—		8,526		—		8,526		379,457		387,983
Construction and land		14		—		—		14		129,677		129,691
Total real estate loans		816		8,526		1,010		10,352		1,218,848		1,229,200
Consumer:
Home equity		59		—		—		59		69,344		69,403
Auto and other consumer		1,854		601		791		3,246		245,884		249,130
Total consumer loans		1,913		601		791		3,305		315,228		318,533
Commercial business loans		1,117		757		—		1,874		110,421		112,295
Total loans receivable	$	3,846	$	9,884	$	1,801	$	15,531	$	1,644,497	$	1,660,028

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total loans receivable
	(In thousands)
Real Estate:
One-to-four family	$	1,449	$	155	$	652	$	2,256	$	341,303	$	343,559
Multi-family		—		—		—		—		252,745		252,745
Commercial real estate		—		—		—		—		388,884		388,884
Construction and land		—		18		—		18		193,628		193,646
Total real estate loans		1,449		173		652		2,274		1,176,560		1,178,834
Consumer:
Home equity		153		—		11		164		52,713		52,877
Auto and other consumer		1,390		698		557		2,645		236,268		238,913
Total consumer loans		1,543		698		568		2,809		288,981		291,790
Commercial business loans		—		—		—		—		76,927		76,927
Total loans receivable	$	2,992	$	871	$	1,220	$	5,083	$	1,542,468	$	1,547,551

Collateral Dependent Loans [Table Text Block]

	Collateral Type
	Single Family Residence		Condominium		Automobile		Business Assets		Total
	(In thousands)
One-to-four family	$	1,426	$	—	$	—	$	—	$	1,426
Construction and land		—		14,981		—		—		14,981
Home equity		30		—		—		—		30
Auto and other consumer		—		—		180		—		180
Commercial business		—		119		—		652		771
Total collateral dependent loans	$	1,456	$	15,100	$	180	$	652	$	17,388

Financing Receivable, Modified [Table Text Block]

	December 31, 2022
	(In thousands)
Total TDR loans	$	1,753
Allowance for loan losses related to TDR loans		18
Total nonaccrual TDR loans		29

	December 31, 2022
	Accrual		Nonaccrual		Total
	(In thousands)
One-to-four family	$	1,697	$	29	$	1,726
Home equity		27		—		27
Total TDR loans	$	1,724	$	29	$	1,753