Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

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

	December 31,
	2023		2022
Commercial	$	302,305	$	304,247
Commercial real estate:
Construction and land development		274,035		197,525
Commercial real estate - owner occupied		414,321		418,462
Commercial real estate - non-owner occupied		830,655		827,728
Residential real estate:
Residential		369,892		338,132
Home equity		90,298		93,740
Consumer		6,814		6,615
Total loans, net of deferred fees and costs	$	2,288,320	$	2,186,449

Schedule of Outstanding and Carrying Amount of Certain Loans Acquired in Transfer [Table Text Block]

	2022
Outstanding principal balance	$	125,856
Carrying amount		120,432

	2022
Outstanding principal balance	$	17,788
Carrying amount		13,541

Schedule of Changes in Accretable Yield on Acquired Loans [Table Text Block]

	2022
Balance at January 1	$	4,902
Accretion		(2,186	)
Reclassification from nonaccretable difference		986
Other changes, net (1)		(172	)
Balance at December 31	$	3,530

Financing Receivable, Past Due [Table Text Block]

					90 Days +
					Past Due		Non-		Total
	30- 59 Days		60-89 Days		and Still		Accrual		Past				Total
	Past Due		Past Due		Accruing		Loans		Due		Current		Loans
Commercial	$	1,642	$	—	$	—	$	—	$	1,642	$	300,663	$	302,305
Commercial real estate:
Construction and land development		326		—		—		—		326		273,709		274,035
Commercial real estate - owner occupied		269		—		—		2,911		3,180		411,141		414,321
Commercial real estate - non-owner occupied		597		—		—		2,327		2,924		827,731		830,655
Residential:
Residential		614		208		—		390		1,212		368,680		369,892
Home equity		121		25		—		171		317		89,981		90,298
Consumer		1		3		—		15		19		6,795		6,814
Total	$	3,570	$	236	$	—	$	5,814	$	9,620	$	2,278,700	$	2,288,320

					90 Days +
					Past Due		Non-		Total
	30- 59 Days		60-89 Days		and Still		Accrual		Past				Total
	Past Due		Past Due		Accruing		Loans		Due		Current		Loans
Commercial	$	161	$	—	$	—	$	4	$	165	$	304,082	$	304,247
Commercial real estate:
Construction and land development		—		—		—		—		—		197,525		197,525
Commercial real estate - owner occupied		724		268		—		—		992		417,470		418,462
Commercial real estate - non-owner occupied		319		—		—		301		620		827,108		827,728
Residential:
Residential		664		90		—		797		1,551		336,581		338,132
Home equity		104		—		—		205		309		93,431		93,740
Consumer		—		—		16		—		16		6,599		6,615
Total	$	1,972	$	358	$	16	$	1,307	$	3,653	$	2,182,796	$	2,186,449

Financing Receivable, Nonaccrual [Table Text Block]

	CECL						Incurred Loss
	December 31, 2023						December 31, 2022
	Nonaccrual Loans		Nonaccrual Loans		Total
	with No Allowance		with an Allowance		Nonaccrual Loans		Nonaccrual Loans
Commercial	$	-	$	-	$	-	$	4
Commercial real estate:
Construction and land development		-		-		-		-
Commercial real estate-owner occupied		2,911		-		2,911		-
Commercial real estate-non-owner occupied		2,327		-		2,327		301
Residential:
Residential		340		50		390		797
Home equity		-		171		171		205
Consumer		-		15		15		-
Total	$	5,578	$	236	$	5,814	$	1,307

	Residential		Business				Commercial		Owner		Total
	Properties		Assets		Land		Property		Occupied		Loans
Commercial real estate:	$	-	$	-	$	-	$	2,327	$	2,911	$	5,238
Residential:
Residential		340		-		-		-		-		340
Home equity		-		-		-		-		-		-
Total collateral dependent loans	$	340	$	-	$	-	$	2,327	$	2,911	$	5,578

Financing Receivable, Accrued Interest Receivables Written Off [Table Text Block]

	For the Twelve Months Ended December 31, 2023
Commercial	$	2
Commercial real estate:
Construction and land development		-
Commercial real estate-owner occupied		10
Commercial real estate-non-owner occupied		15
Residential:
Residential		3
Home equity		1
Consumer		-
Total accrued interest reversed	$	31

Financing Receivable, Modified [Table Text Block]

	Type of Modification
	Amortized Cost Basis		% of Total Loan Type			Financial Effect
Commercial real estate-owner occupied	$	2,315		0.56	%	Term extension.
Commercial real estate-nonowner occupied		2,517		0.30		Interest rate reduction and term extension.
Residential real estate		8		-		Term extension.
Commercial real estate-owner occupied		454		0.11		Term extension.

Impaired Financing Receivables [Table Text Block]

			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Construction and land development		—		—		—		—		—
Commercial real estate - owner occupied		2,420		2,420		—		1,454		108
Commercial real estate - non-owner occupied		1,360		1,359		—		1,186		40
Residential:
Residential		1,149		1,156		—		935		21
Home equity		165		165		—		93		—
Consumer		—		—		—		—		—
	$	5,094	$	5,100	$	—	$	3,668	$	169
With a related allowance recorded:
Commercial	$	—	$	—	$	—	$	139	$	—
Commercial real estate:
Construction and land development		—		—		—		—		—
Commercial real estate - owner occupied		—		—		—		—		—
Commercial real estate - non-owner occupied		—		—		—		—		—
Residential:
Residential		—		—		—		41		—
Home equity		—		—		—		—		—
Consumer		—		—		—		38		—
	$	—	$	—	$	—	$	218	$	—
Total:
Commercial	$	—	$	—	$	—	$	139	$	—
Commercial real estate:
Construction and land development		—		—		—		—		—
Commercial real estate - owner occupied		2,420		2,420		—		1,454		108
Commercial real estate - non-owner occupied		1,360		1,359		—		1,186		40
Residential:
Residential		1,149		1,156		—		976		21
Home equity		165		165		—		93		—
Consumer		—		—		—		38		—
	$	5,094	$	5,100	$	—	$	3,886	$	169

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans by Year of Origination
	2023			2022			2021			2020		2019		Prior			Revolving			Total
Commercial
Pass	$	38,996		$	37,024		$	53,730		$	18,292	$	8,886	$	24,380		$	109,050		$	290,358
Special Mention		1,311			1,071			2,054			61		386		65			1,801			6,749
Substandard		-			134			16			-		324		2,390			2,334			5,198
Total commercial	$	40,307		$	38,229		$	55,800		$	18,353	$	9,596	$	26,835		$	113,185		$	302,305
Current period gross write-offs	$	-		$	-		$	(359	)	$	-	$	-	$	-		$	(535	)	$	(894	)
Construction and land development
Pass	$	51,120		$	83,122		$	100,392		$	7,462	$	5,296	$	16,116		$	6,063		$	269,571
Special Mention		-			-			4,364			-		-		-			-			4,364
Substandard		-			-			-			-		-		100			-			100
Total construction and land development	$	51,120		$	83,122		$	104,756		$	7,462	$	5,296	$	16,216		$	6,063		$	274,035
Current period gross write-offs	$	-		$	-		$	-		$	-	$	-	$	-		$	-		$	-
Commercial real estate - owner occupied
Pass	$	32,233		$	60,890		$	98,415		$	42,971	$	23,733	$	138,802		$	5,208		$	402,252
Special Mention		-			-			1,329			-		-		788			4,529			6,646
Substandard		-			-			-			2,315		-		2,654			454			5,423
Total commercial real estate - owner occupied	$	32,233		$	60,890		$	99,744		$	45,286	$	23,733	$	142,244		$	10,191		$	414,321
Current period gross write-offs	$	-		$	-		$	-		$	-	$	-	$	-		$	-		$	-
Commercial real estate - non-owner occupied
Pass	$	47,264		$	144,118		$	219,493		$	129,747	$	56,852	$	209,351		$	6,336		$	813,161
Special Mention		-			-			-			121		1,034		6,960			-			8,115
Substandard		3,073			-			1,330			1,458		1,866		1,652			-			9,379
Total commercial real estate - non-owner occupied	$	50,337		$	144,118		$	220,823		$	131,326	$	59,752	$	217,963		$	6,336		$	830,655
Current period gross write-offs	$	-		$	-		$	-		$	-	$	-	$	-		$	-		$	-
Residential
Pass	$	74,488		$	93,929		$	83,377		$	23,637	$	14,226	$	63,336		$	14,381		$	367,374
Special Mention		-			256			199			-		-		757			-			1,212
Substandard		-			-			259			229		-		818			-			1,306
Total residential	$	74,488		$	94,185		$	83,835		$	23,866	$	14,226	$	64,911		$	14,381		$	369,892
Current period gross write-offs	$	-		$	-		$	-		$	-	$	-	$	(6	)	$	-		$	(6	)
Home equity
Pass	$	-		$	-		$	-		$	-	$	-	$	-		$	89,872		$	89,872
Special Mention		-			-			-			-		-		-			-			-
Substandard		-			-			-			-		-		-			426			426
Total home equity	$	-		$	-		$	-		$	-	$	-	$	-		$	90,298		$	90,298
Current period gross write-offs	$	-		$	-		$	-		$	-	$	-	$	-		$	(9	)	$	(9	)
Consumer
Pass	$	2,452		$	1,276		$	477		$	225	$	141	$	1,717		$	509		$	6,797
Special Mention		-			-			-			-		-		-			-			-
Substandard		-			2			-			-		-		15			-			17
Total consumer	$	2,452		$	1,278		$	477		$	225	$	141	$	1,732		$	509		$	6,814
Current period gross write-offs	$	(3	)	$	(2	)	$	(7	)	$	-	$	-	$	(78	)	$	(3	)	$	(93	)

	Commercial		Construction and Land Development		Commercial Real Estate - Owner Occupied		Commercial Real Estate - Non-owner Occupied		Residential Real Estate		Home Equity
Pass	$	288,041	$	197,331	$	405,223	$	826,844	$	333,124	$	93,062
Special Mention		10,657		—		2,388		239		1,577		—
Substandard		5,548		194		10,851		645		3,431		678
Doubtful		1		—		—		—		—		—
Total	$	304,247	$	197,525	$	418,462	$	827,728	$	338,132	$	93,740

	Consumer
Performing	$	6,599
Nonperforming		16
Total	$	6,615