0001437749-24-024137 | 10-Q | XBRL Viewer

Schedule of Available-for-Sale Securities Reconciliation [Table Text Block]

	*Amortized Cost*		*Gross Unrealized Gains*		*Gross Unrealized Losses*			*Fair Value*
Available-for-Sale Securities

June 30, 2024
Municipal securities	$	929	$	—	$	(4	)	$	925
U.S. Treasury Notes		77,128		—		(2,069	)		75,059
U.S. government-sponsored agencies		142,987		3		(174	)		142,816
Mortgage-backed securities - residential		3,255		27		(98	)		3,184
Collateralized mortgage obligations - residential		938		—		(16	)		922
	$	225,237	$	30	$	(2,361	)	$	222,906
December 31, 2023
Municipal securities	$	930	$	12	$	(8	)	$	934
U.S. Treasury Notes		115,920		—		(3,412	)		112,508
U.S. government-sponsored agencies		35,446		7		(62	)		35,391
Mortgage-backed securities - residential		3,431		27		(91	)		3,367
Collateralized mortgage obligations - residential		1,023		—		(20	)		1,003
	$	156,750	$	46	$	(3,593	)	$	153,203

Investments Classified by Contractual Maturity Date [Table Text Block]

	*June 30, 2024*
	*Amortized Cost*		*Fair Value*
Due in one year or less	$	104,022	$	102,671
Due after one year through five years		117,022		116,129
		221,044		218,800
Mortgage-backed securities - residential		3,255		3,184
Collateralized mortgage obligations - residential		938		922
	$	225,237	$	222,906

Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]

	*Less than 12 Months*							*12 Months or More*							*Total*
	*Count*		*Fair Value*		*Unrealized Loss*			*Count*		*Fair Value*		*Unrealized Loss*			*Count*		*Fair Value*		*Unrealized Loss*
June 30, 2024
Municipal securities		1	$	603	$	(1	)		1	$	221	$	(3	)		2	$	824	$	(4	)
U.S. Treasury Notes		—		—		—			115		75,059		(2,069	)		115		75,059		(2,069	)
U.S. government-sponsored agencies		15		124,837		(159	)		2		7,985		(15	)		17		132,822		(174	)
Mortgage-backed securities - residential		—		—		—			12		2,236		(98	)		12		2,236		(98	)
Collateralized mortgage obligations - residential		—		—		—			5		922		(16	)		5		922		(16	)
		16	$	125,440	$	(160	)		135	$	86,423	$	(2,201	)		151	$	211,863	$	(2,361	)

December 31, 2023
Municipal securities		—	$	—	$	—			1	$	217	$	(8	)		1	$	217	$	(8	)
U.S. Treasury Notes		—		—		—			170		112,508		(3,412	)		170		112,508		(3,412	)
U.S. government-sponsored agencies		2		8,987		(13	)		4		17,951		(49	)		6		26,938		(62	)
Mortgage-backed securities - residential		—		—		—			17		2,627		(91	)		17		2,627		(91	)
Collateralized mortgage obligations - residential		—		—		—			6		1,003		(20	)		6		1,003		(20	)
		2	$	8,987	$	(13	)		198	$	134,306	$	(3,580	)		200	$	143,293	$	(3,593	)

Gain (Loss) on Securities [Table Text Block]

	*Three Months Ended*				*Six Months Ended*
	*June 30,*				*June 30,*
	*2024*		*2023*		*2024*		*2023*
Proceeds	$	—	$	—	$	—	$	42,631
Gross gains		—		—		—		—
Gross losses		—		—		—		(454	)

Note 2 - Earnings Per Share

6 Months Ended

Jun. 30, 2024

Earnings Per Share [Text Block]

NOTE 2 - EARNINGS PER SHARE

Amounts reported in earnings per share reflect earnings available to common stockholders for the period divided by the weighted average number of shares of common stock outstanding during the period.

	*Three Months Ended*				*Six Months Ended*
	*June 30,*				*June 30,*
	*2024*		*2023*		*2024*		*2023*
Net income available to common stockholders	$	2,134	$	2,312	$	3,844	$	4,945
Basic and diluted weighted average common shares outstanding		12,460,678		12,667,129		12,464,365		12,694,334
Basic and diluted earnings per common share	$	0.17	$	0.18	$	0.31	$	0.39

Note 5 - Foreclosed Assets (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Other Real Estate Owned and Other Foreclosed Assets [Table Text Block]

	*June 30, 2024*						*December 31, 2023*
	*Balance*		*Valuation Allowance*		*Net Balance*		*Balance*		*Valuation Allowance*			*Net Balance*

Other real estate owned	$	—	$	—	$	—	$	472	$	(67	)	$	405
Other foreclosed assets		1,898		—		1,898		2,416		(44	)		2,372
	$	1,898	$	—	$	1,898	$	2,888	$	(111	)	$	2,777

Roll Forward of Foreclosed Assets [Table Text Block]

	*For the Three Months Ended*						*For the Six Months Ended*
	*June 30,*						*June 30,*
	*2024*			*2023*			*2024*			*2023*
Beginning balance	$	2,332		$	1,393		$	2,777		$	476
New foreclosed assets		—			—			49			921
Valuation reductions from sales		44			—			111			—
Direct write-downs		—			(70	)		—			(70	)
Sales		(478	)		(373	)		(1,039	)		(377	)
Ending balance	$	1,898		$	950		$	1,898		$	950

Foreclosed Assets, Valuation Allowance [Table Text Block]

	*For the Three Months Ended*					*For the Six Months Ended*
	*June 30,*					*June 30,*
	*2024*			*2023*		*2024*			*2023*
Beginning balance	$	44		$	—	$	111		$	—
Reductions from sales		(44	)		—		(111	)		—
Ending balance	$	—		$	—	$	—		$	—

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Repurchase and retirement of common stock (in shares)		93,515	15,203	142,119
Cash dividends declared on common stock (in dollars per share)	$ 0.1	$ 0.1	$ 0.2	$ 0.2

Note 4 - Loans Receivable

6 Months Ended

Jun. 30, 2024

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

NOTE 4 - LOANS RECEIVABLE

The summary of loans receivable by class of loans is as follows:

	*June 30, 2024*			*December 31, 2023*
One-to-four family residential real estate	$	17,707		$	18,945
Multi-family residential real estate		527,542			527,460
Nonresidential real estate		109,635			118,016
Commercial loans and leases		339,216			393,321
Consumer		1,787			1,364
		995,887			1,059,106
Allowance for credit losses		(8,142	)		(8,345	)
Loans, net	$	987,745		$	1,050,761

Net deferred loan origination costs included in the table above were $1.5 million and $1.7 million as of June 30, 2024 and December 31, 2023, respectively.

Allowance for Credit Losses - Loans

The following table represents the activity in the Allowance for Credit Losses (“ACL”) by class of loans:

	*One-to-four family residential real estate*			*Multi-family residential real estate*			*Nonresidential real estate*			*Commercial loans and leases*			*Consumer*			*Total*
For the three months ended

June 30, 2024
Beginning balance	$	331		$	4,819		$	1,444		$	1,621		$	34		$	8,249
Provision for (recovery of) credit losses		(9	)		20			(47	)		(94	)		32			(98	)
Loans charged off		—			—			—			(10	)		(12	)		(22	)
Recoveries		2			4			—			7			—			13
	$	324		$	4,843		$	1,397		$	1,524		$	54		$	8,142

June 30, 2023
Beginning balance	$	354		$	4,714		$	1,347		$	3,576		$	41		$	10,032
Recovery of credit losses		(35	)		(41	)		(102	)		(1	)		(1	)		(180	)
Loans charged off		—			—			—			(638	)		(7	)		(645	)
Recoveries		7			6			—			6			—			19
	$	326		$	4,679		$	1,245		$	2,943		$	33		$	9,226

	*One-to-four family residential real estate*			*Multi-family residential real estate*		*Nonresidential real estate*			*Commercial loans and leases*			*Consumer*			*Total*
For the six months ended

June 30, 2024
Beginning balance	$	295		$	4,549	$	1,166		$	2,303		$	32		$	8,345
Provision for (recovery of) credit losses		24			284		231			(623	)		47			(37	)
Loans charged off		—			—		—			(168	)		(25	)		(193	)
Recoveries		5			10		—			12			—			27
	$	324		$	4,843	$	1,397		$	1,524		$	54		$	8,142

June 30, 2023
Beginning balance, prior to adoption of ASC 326	$	281		$	4,017	$	1,234		$	2,548		$	49		$	8,129
Impact of adopting ASC 326		99			630		66			1,122			(10	)		1,907
Beginning balance, after adoption of ASC 326		380			4,647		1,300			3,670			39			10,036
Provision for (recovery of) credit losses		(66	)		21		(55	)		(17	)		22			(95	)
Loans charged off		—			—		—			(717	)		(29	)		(746	)
Recoveries		12			11		—			7			1			31
	$	326		$	4,679	$	1,245		$	2,943		$	33		$	9,226

As of June 30, 2024 and December 31, 2023 we had $262,000 and $335,000, respectively, recorded as an unfunded commitment reserve, included in other liabilities on the Consolidated Statements of Financial Condition.

The following tables present the balance in the ACL and loans receivable by class of loans based on evaluation method. Allocation of a portion of the ACL to one category does not preclude its availability to absorb losses in other categories:

	*One-to-four family residential real estate*		*Multi-family residential real estate*		*Nonresidential real estate*		*Commercial loans and leases*		*Consumer*		*Total*
June 30, 2024
Loans:
Loans individually evaluated	$	57	$	—	$	380	$	20,541	$	—	$	20,978
Loans collectively evaluated		17,650		527,542		109,255		318,675		1,787		974,909
	$	17,707	$	527,542	$	109,635	$	339,216	$	1,787	$	995,887
ACL:
Loans individually evaluated	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated		324		4,843		1,397		1,524		54		8,142
	$	324	$	4,843	$	1,397	$	1,524	$	54	$	8,142

	*One-to-four family residential real estate*		*Multi-family residential real estate*		*Nonresidential real estate*		*Commercial loans and leases*		*Consumer*		*Total*
December 31, 2023
Loans:
Loans individually evaluated	$	67	$	—	$	—	$	21,982	$	—	$	22,049
Loans collectively evaluated		18,878		527,460		118,016		371,339		1,364		1,037,057
	$	18,945	$	527,460	$	118,016	$	393,321	$	1,364	$	1,059,106
ACL:
Loans individually evaluated	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated		295		4,549		1,166		2,303		32		8,345
	$	295	$	4,549	$	1,166	$	2,303	$	32	$	8,345

Collateral Dependent Loans

Management's evaluation as to the ultimate collectability of loans includes estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers. Collateral dependent loans are loans in which repayment is expected to be provided solely by the underlying collateral and there are no other available and reliable sources of repayment. Loans are written down to the lower of cost or fair value of the underlying collateral, less estimated costs to sell. The Company had $2.1 million and $3.2 million of collateral dependent loans secured by real estate or business assets as of June 30, 2024 and December 31, 2023, respectively.

Individually Evaluated Loans

The following tables present loans individually evaluated by class of loans:

									*Three Months Ended*				*Six Months Ended*
									*June 30, 2024*				*June 30, 2024*
	*Loan Balance*		*Recorded Investment*		*Partial Charge-off*		*Allowance for Credit Losses Allocated*		*Average Investment*		*Interest Income Recognized*		*Average Investment*		*Interest Income Recognized*
June 30, 2024
With no related allowance recorded:
One-to-four family residential real estate	$	56	$	57	$	—	$	—	$	58	$	1	$	60	$	1
Nonresidential real estate		366		380		—		—		127		—		63		3
Commercial loans and leases		21,293		20,541		537		—		20,583		1		20,830		15
	$	21,715	$	20,978	$	537	$	—	$	20,768	$	2	$	20,953	$	19

									*Year ended*
									*December 31, 2023*
	*Loan Balance*		*Recorded Investment*		*Partial Charge-off*		*Allowance for Credit Losses Allocated*		*Average Investment*		*Interest Income Recognized*
December 31, 2023
With no related allowance recorded:
One-to-four family residential real estate	$	66	$	67	$	—	$	—	$	76	$	4
Commercial loans and leases		23,954		21,982		450		—		16,542		35
	$	24,020	$	22,049	$	450	$	—	$	16,618	$	39

Nonaccrual Loans

The following tables present the recorded investment in nonaccrual loans and loans 90 days or more past due still on accrual by class of loans:

	*Nonaccrual*		*Loans Past Due Over 90 Days Still Accruing*
June 30, 2024
One-to-four family residential real estate	$	39	$	—
Nonresidential real estate		380		—
Commercial loans and leases		20,395		—
	$	20,814	$	—
December 31, 2023
One-to-four family residential real estate	$	37	$	—
Commercial loans and leases		21,294		1,007
	$	21,331	$	1,007

Nonaccrual loans and individually evaluated loans are defined differently. Some loans may be included in both categories, and some loans may only be included in one category. Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated and loans individually evaluated.

The Company’s reserve for uncollected loan interest was $1.9 million and $1.4 million at June 30, 2024 and December 31, 2023, respectively. When a loan is on nonaccrual status and the ultimate collectability of the total principal of a loan is in doubt, all payments are applied to principal under the cost recovery method. Alternatively, when a loan is on nonaccrual status but there is doubt concerning only the ultimate collectability of interest, contractual interest is credited to interest income only when received, under the cash basis method. In all cases, the average balances are calculated based on the month–end balances of the financing receivables within the period reported.

Past Due Loans

The following tables present the aging of the recorded investment of loans by portfolio segment:

	*30-59 Days Past Due*		*60-89 Days Past Due*		*Greater Than 89 Days Past Due*		*Total Past Due*		*Nonaccrual*		*Current*		*Total*
June 30, 2024
One-to-four family residential real estate loans	$	13	$	—	$	—	$	13	$	39	$	17,655	$	17,707
Multi-family residential real estate:
Senior notes		—		107		—		107		—		487,966		488,073
Junior notes		—		—		—		—		—		39,469		39,469
Nonresidential real estate:
Owner occupied		—		—		—		—		—		15,549		15,549
Non-owner occupied		—		—		—		—		380		93,706		94,086
Commercial loans and leases:
Commercial		1,159		151		—		1,310		1,506		187,161		189,977
Equipment finance - Government		2,649		3,272		—		5,921		18,889		83,344		108,154
Equipment finance - Corporate Investment-grade		—		—		—		—		—		41,085		41,085
Consumer		6		3		—		9		—		1,778		1,787
	$	3,827	$	3,533	$	—	$	7,360	$	20,814	$	967,713	$	995,887

	*30-59 Days Past Due*		*60-89 Days Past Due*		*Greater Than 89 Days Past Due*		*Total Past Due*		*Nonaccrual*		*Current*		*Total*
December 31, 2023
One-to-four family residential real estate loans	$	12	$	18	$	—	$	30	$	37	$	18,878	$	18,945
Multi-family residential real estate:
Senior notes		—		—		—		—		—		485,281		485,281
Junior notes		—		—		—		—		—		42,179		42,179
Nonresidential real estate:
Owner occupied		—		—		—		—		—		20,901		20,901
Non-owner occupied		—		—		—		—		—		97,115		97,115
Commercial loans and leases:
Commercial		234		26		666		926		2,285		208,770		211,981
Equipment finance - Government		3,147		5,028		—		8,175		18,956		105,134		132,265
Equipment finance - Corporate Investment-grade		7		—		341		348		53		48,674		49,075
Consumer		8		5		—		13		—		1,351		1,364
	$	3,408	$	5,077	$	1,007	$	9,492	$	21,331	$	1,028,283	$	1,059,106

At June 30, 2024 and December 31, 2023 the Company had no loan modifications that meet the definition described in Accounting Standards Update (“ASU”) 2022-02 “Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” for additional reporting.

Credit Quality Indicators

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. Risk ratings are updated any time the situation warrants. The Company uses the following definitions for risk ratings:

Pass. This category includes loans that are all considered acceptable credits, ranging from investment or near investment grade, to loans made to borrowers who exhibit credit fundamentals that meet or exceed industry standards.

Watch. A “Watch List” loan is a loan that requires elevated monitoring because it does not conform to the applicable published loan policy or loan product underwriting standards, evidences intermittent past due payments or because of other matters of possible concern.

Special Mention. A “Special Mention” asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

Substandard. Loans categorized as “Substandard” continue to accrue interest, but exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt. The loans continue to accrue interest because they are well secured and collection of principal and interest is expected within a reasonable time. The risk rating guidance published by the Office of the Comptroller of the Currency clarifies that a loan with a well-defined weakness does not have to present a probability of default for the loan to be rated Substandard, and that an individual loan’s loss potential does not have to be distinct for the loan to be rated Substandard.

Nonaccrual. An asset classified “Nonaccrual” has all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Based on the most recent analysis performed, the risk categories of loans by class of loans are as follows:

	*Pass*		*Watch*		*Special Mention*		*Substandard*		*Substandard Nonaccrual*		*Total*
June 30, 2024
One-to-four family residential real estate	$	17,434	$	67	$	—	$	167	$	39	$	17,707
Multi-family residential real estate		522,856		3,265		—		1,421		—		527,542
Nonresidential real estate		105,106		3,259		433		457		380		109,635
Commercial loans and leases		291,274		13,033		11,360		3,154		20,395		339,216
Consumer		1,775		6		3		3		—		1,787
	$	938,445	$	19,630	$	11,796	$	5,202	$	20,814	$	995,887

	*Pass*		*Watch*		*Special Mention*		*Substandard*		*Substandard Nonaccrual*		*Total*
December 31, 2023
One-to-four family residential real estate	$	18,492	$	144	$	—	$	272	$	37	$	18,945
Multi-family residential real estate		518,538		7,589		1,333		—		—		527,460
Nonresidential real estate		114,155		3,861		—		—		—		118,016
Commercial loans and leases		340,623		16,761		10,587		4,056		21,294		393,321
Consumer		1,349		7		5		3		—		1,364
	$	993,157	$	28,362	$	11,925	$	4,331	$	21,331	$	1,059,106

	*Term Loans Amortized Cost Basis by Origination Year*
	*2024*		*2023*			*2022*			*2021*			*2020*			*Prior*		*Revolving loans*			*Total*
June 30, 2024

*One-to-four family residential real estate loans:*
Risk-rating
Pass	$	—	$	487		$	—		$	—		$	90		$	13,375	$	3,482		$	17,434
Watch		—		—			—			—			—			67		—			67
Substandard		—		—			—			—			—			26		141			167
Nonaccrual		—		—			—			—			—			23		16			39
	$	—	$	487		$	—		$	—		$	90		$	13,491	$	3,639		$	17,707
*One-to-four family residential real estate loans:*
Current period recoveries	$	—	$	—		$	—		$	—		$	—		$	5	$	—		$	5
*Multi-family residential real estate:*
Risk rating
Pass	$	20,299	$	38,046		$	208,081		$	111,048		$	55,219		$	83,106	$	7,057		$	522,856
Watch		—		—			640			—			260			2,365		—			3,265
Substandard		—		216			1,205			—			—			—		—			1,421
	$	20,299	$	38,262		$	209,926		$	111,048		$	55,479		$	85,471	$	7,057		$	527,542
*Multi-family residential real estate:*
Current period recoveries	$	—	$	—		$	—		$	—		$	—		$	10	$	—		$	10
Nonresidential real estate:
Risk rating
Pass	$	13,083	$	15,389		$	46,104		$	13,798		$	7,557		$	9,038	$	137		$	105,106
Watch		—		—			1,845			1,414			—			—		—			3,259
Special mention		—		—			433			—			—			—		—			433
Substandard		457		—			—			—			—			—		—			457
Nonaccrual		—		—			380			—			—			—		—			380
	$	13,540	$	15,389		$	48,762		$	15,212		$	7,557		$	9,038	$	137		$	109,635
Commercial loans and leases:
Risk rating
Pass	$	12,891	$	35,621		$	98,669		$	47,820		$	23,821		$	1,850	$	70,602		$	291,274
Watch		—		5,630			6,443			718			242			—		—			13,033
Special mention		—		—			—			—			—			—		11,360			11,360
Substandard		—		75			146			—			—			—		2,933			3,154
Nonaccrual		—		356			19,624			—			415			—		—			20,395
	$	12,891	$	41,682		$	124,882		$	48,538		$	24,478		$	1,850	$	84,895		$	339,216
Commercial loans and leases:
Current period gross charge-offs	$	—	$	(4	)	$	(116	)	$	(43	)	$	(5	)	$	—	$	—		$	(168	)
Current period recoveries		—		—			—			5			7			—		—			12
	$	—	$	(4	)	$	(116	)	$	(38	)	$	2		$	—	$	—		$	(156	)
Consumer:
Risk rating
Pass	$	726	$	208		$	7		$	55		$	50		$	98	$	631		$	1,775
Watch		—		—			—			—			—			—		6			6
Special mention		—		—			—			—			—			—		3			3
Substandard		—		—			—			—			—			—		3			3
	$	726	$	208		$	7		$	55		$	50		$	98	$	643		$	1,787
Consumer:
Current period gross charge-offs	$	—	$	—		$	—		$	—		$	—		$	—	$	(25	)	$	(25	)

	*Term Loans Amortized Cost Basis by Origination Year*
	*2023*			*2022*			*2021*		*2020*			*2019*		*Prior*			*Revolving loans*			*Total*
December 31, 2023

*One-to-four family residential real estate loans:*
Risk-rating
Pass	$	489		$	—		$	—	$	130		$	—	$	14,069		$	3,804		$	18,492
Watch		—			—			—		—			—		144			—			144
Substandard		—			—			—		—			—		127			145			272
Nonaccrual		—			—			—		—			—		16			21			37
	$	489		$	—		$	—	$	130		$	—	$	14,356		$	3,970		$	18,945
*One-to-four family residential real estate loans:*
Current-period gross charge-offs	$	—		$	—		$	—	$	—		$	—	$	(1	)	$	—		$	(1	)
Current period recoveries		—			—			—		—			—		45			—			45
	$	—		$	—		$	—	$	—		$	—	$	44		$	—		$	44
*Multi-family residential real estate:*
Risk rating
Pass	$	43,386		$	210,878		$	108,563	$	57,480		$	22,064	$	67,432		$	8,735		$	518,538
Watch		—			647			4,104		263			—		2,575			—			7,589
Special mention		118			1,215			—		—			—		—			—			1,333
	$	43,504		$	212,740		$	112,667	$	57,743		$	22,064	$	70,007		$	8,735		$	527,460
*Multi-family residential real estate:*
Current period recoveries	$	—		$	—		$	—	$	—		$	—	$	20		$	—		$	20
Nonresidential real estate:
Risk rating
Pass	$	17,618		$	50,898		$	20,436	$	7,787		$	9,024	$	8,288		$	104		$	114,155
Watch		—			2,358			1,503		—			—		—			—			3,861
	$	17,618		$	53,256		$	21,939	$	7,787		$	9,024	$	8,288		$	104		$	118,016
Commercial loans and leases:
Risk rating
Pass	$	43,972		$	130,444		$	62,280	$	32,633		$	3,028	$	1,379		$	66,887		$	340,623
Watch		6,043			7,171			748		371			—		—			2,428			16,761
Special mention		—			—			—		—			—		—			10,587			10,587
Substandard		—			666			—		22			—		—			3,368			4,056
Nonaccrual		11			20,204			524		555			—		—			—			21,294
	$	50,026		$	158,485		$	63,552	$	33,581		$	3,028	$	1,379		$	83,270		$	393,321
Commercial loans and leases:
Current period gross charge-offs	$	(20	)	$	(1,850	)	$	—	$	(306	)	$	—	$	—		$	—		$	(2,176	)
Current period recoveries		—			—			37		40			—		—			—			77
	$	(20	)	$	(1,850	)	$	37	$	(266	)	$	—	$	—		$	—		$	(2,099	)
Consumer:
Risk rating
Pass	$	336		$	8		$	140	$	80		$	247	$	—		$	538		$	1,349
Watch		—			—			—		—			—		—			7			7
Special mention		—			—			—		—			—		—			5			5
Substandard		—			—			—		—			—		—			3			3
	$	336		$	8		$	140	$	80		$	247	$	—		$	553		$	1,364
Consumer:
Current period gross charge-offs	$	—		$	—		$	—	$	—		$	—	$	—		$	(52	)	$	(52	)
Current period recoveries		—			—			—		—			—		—			1			1
	$	—		$	—		$	—	$	—		$	—	$	—		$	(51	)	$	(51	)

Note 7 - Fair Value - Quantitative Information for Financial Instruments on Non-recurring Basis (Details) - One-to-Four Family Residential Real Estate [Member] - Fair Value, Nonrecurring [Member] $ in Thousands	Dec. 31, 2023 USD ($)
Other foreclosed assets	$ 387
Fair Value, Inputs, Level 3 [Member]
Other real estate owned	405
Other foreclosed assets	$ 387
Fair Value, Inputs, Level 3 [Member] \| Valuation, Market Approach [Member] \| Measurement Input, Discount Rate [Member]
Other real estate owned, input	0.10
Other foreclosed assets, input	0.062

Note 6 - Borrowings and Subordinated Notes

6 Months Ended

Jun. 30, 2024

Debt Disclosure [Text Block]

NOTE 6 - BORROWINGS AND SUBORDINATED NOTES

Borrowings and subordinated notes were as follows:

	*June 30, 2024*					*December 31, 2023*
	*Contractual*					*Contractual*
	*Rate*			*Amount*		*Rate*			*Amount*
Fixed-rate advance from FHLB, due September 16, 2024		4.55	%	$	5,000		4.55	%	$	5,000
Fixed-rate advance from FHLB, due March 17, 2025		4.27	%		5,000		4.27	%		5,000
Fixed-rate advance from FHLB, due September 17, 2025		4.20	%		5,000		4.20	%		5,000
Fixed-rate advance from FHLB, due March 17, 2026		4.15	%		5,000		4.15	%		5,000
Fixed-rate advance from FHLB, due September 17, 2026		4.06	%		5,000		4.06	%		5,000
Subordinated notes, due May 15, 2031		3.75	%		18,715		3.75	%		19,678
Line of credit, due March 28, 2025		8.00	%		—		8.00	%		—

In 2021, the Company entered into Subordinated Note Purchase Agreements with certain qualified institutional buyers and accredited investors pursuant to which the Company sold and issued $20.0 million in aggregate principal amount of its 3.75% Fixed-to-Floating Rate Subordinated Notes due May 15, 2031 (the “Notes”). The Company incurred $441,000 of issuance costs associated with the Notes. These issuance costs are being amortized over the 10-year life of the Notes. At June 30, 2024 and December 31, 2023, there were $285,000 and $322,000, respectively, in remaining unamortized issuance costs and they are presented in the Company's financial statements as a reduction of the principal amount of the Notes.

The Notes bear interest at a fixed annual rate of 3.75%, from and including the date of issuance to May 14, 2026, payable semi-annually in arrears. From and including May 15, 2026, but excluding the maturity date or early redemption date, as applicable, the interest rate will reset quarterly to an interest rate per annum equal to Three-Month Term SOFR (as defined in the Notes) plus 299 basis points, payable quarterly in arrears. Under the conditions specified in the Notes, the interest rate accruing during the applicable floating rate period may be determined based on a rate other than Three-Month Term SOFR. The Notes have a stated maturity date of May 15, 2031 and are redeemable, in whole or in part, on May 15, 2026, on any interest payment date thereafter, and at any time upon the occurrence of certain events.

Principal and interest payments due on the Notes are subject to acceleration only in limited circumstances in the case of certain bankruptcy and insolvency-related events with respect to the Company. The Notes are unsecured, subordinated obligations of the Company and generally rank junior in right of payment to the Company’s current and future senior indebtedness. The Notes qualify as Tier 2 capital for regulatory capital purposes.

In March 2024, we repurchased $1.0 million of the Notes and recorded a $107,000 gain on repurchase.

In 2020, the Company established a $5.0 million unsecured line of credit with a correspondent bank. Interest is payable at a rate of Prime Rate as published in the Wall Street Journal minus 0.50%, with a minimum rate of 2.40%. The line of credit has been extended since its original maturity date and the current maturity date is March 28, 2025. The line of credit had no outstanding balance at June 30, 2024 and December 31, 2023.

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

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Valuation Reserve on Premises Held-for-sale

Document And Entity Information - shares	6 Months Ended
Document And Entity Information - shares	Jun. 30, 2024	Jul. 28, 2024
Document Information [Line Items]
Entity Central Index Key	0001303942
Entity Registrant Name	BankFinancial CORP
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	0-51331
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	75-3199276
Entity Address, Address Line One	60 North Frontage Road
Entity Address, City or Town	Burr Ridge
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60527
City Area Code	800
Local Phone Number	894-6900
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	BFIN
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		12,460,678

Note 7 - Fair Value (Details Textual) - USD ($)

3 Months Ended

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Mar. 31, 2023

Jun. 30, 2024

Jun. 30, 2023

Dec. 31, 2023

$ (0)

^[1]

$ 32,000

^[1]

$ 553,000

$ (0)

^[1]

$ 585,000

^[1]

Other Foreclosed Assets, Valuation Allowance

$ 44,000

Other Real Estate Owned, Gross

472,000

Other Real Estate with Valuation Adjustments

67,000

Other Real Estate

405,000

Foreclosed Assets, Gross

431,000

Foreclosed Assets, Net of Valuation Reserve

$ 387,000

Foreclosed Assets Valuation Adjustments, With Valuation Reserve

$ 0

[1]	Not within the scope of ASC 606

Note 8 - Revenue From Contracts With Customers - Noninterest Income (Details) - USD ($)

3 Months Ended

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Mar. 31, 2023

Jun. 30, 2024

Jun. 30, 2023

Revenue from contract with customer

$ 834,000

$ 830,000

$ 1,643,000

$ 1,646,000

Loan servicing fees

^[1]

97,000

141,000

253,000

270,000

Losses on sales of securities

^[1]

(454,000)

(Loss) gain on sale of premises and equipment

(9,000)

13,000

(84,000)

9,000

Valuation adjustment on bank premises held-for-sale

^[1]

(32,000)

^[1]

$ (553,000)

^[1]

(585,000)

^[1]

Loss on bank-owned life insurance

^[1]

(91,000)

(87,000)

(178,000)

(171,000)

Gain on repurchase of Subordinated notes

^[1]

107,000

Revenue from contract with customer

^[1]

96,000

98,000

197,000

194,000

Total noninterest income

1,276,000

1,239,000

2,737,000

1,552,000

Deposit Account [Member]

834,000

830,000

1,643,000

1,646,000

Bank Servicing [Member]

Revenue from contract with customer

$ 349,000

$ 276,000

$ 799,000

$ 643,000

[1]	Not within the scope of ASC 606

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income	$ 2,134	$ 2,312	$ 3,844	$ 4,945
Unrealized holding gain (loss) on securities arising during the period	756	(480)	1,216	1,161
Tax effect	(197)	125	(316)	(302)
Unrealized holding gain (loss) on securities, net of tax	559	(355)	900	859
Reclassification adjustment for loss included in net income	0	0	0	454
Tax effect, included in income tax expense	0	0	0	(119)
Reclassification adjustment for loss included in net income, net of tax	0	0	0	335
Other comprehensive gain (loss), net of tax	559	(355)	900	1,194
Comprehensive income	$ 2,693	$ 1,957	$ 4,744	$ 6,139

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

Amount after tax and reclassification adjustments of other comprehensive income (loss).

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The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.

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Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Factored Receivable Unpaid Principal Balance	$ 2,500,000	$ 5,900,000
Factored Receivable, Customer Reserves	$ 902,000	$ 2,100,000

Note 2 - Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

	*Three Months Ended*				*Six Months Ended*
	*June 30,*				*June 30,*
	*2024*		*2023*		*2024*		*2023*
Net income available to common stockholders	$	2,134	$	2,312	$	3,844	$	4,945
Basic and diluted weighted average common shares outstanding		12,460,678		12,667,129		12,464,365		12,694,334
Basic and diluted earnings per common share	$	0.17	$	0.18	$	0.31	$	0.39

Note 3 - Securities - Securities With Unrealized Losses (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Count, less than 12 months	16	2
Fair value, less than 12 months	$ 125,440	$ 8,987
Unrealized loss, less than 12 months	$ (160)	$ (13)
Count, 12 months or more	135	198
Fair value, 12 months or more	$ 86,423	$ 134,306
Unrealized loss, 12 months or more	$ (2,201)	$ (3,580)
Count, total	151	200
Fair value, total	$ 211,863	$ 143,293
Unrealized loss, total	$ (2,361)	$ (3,593)
US States and Political Subdivisions Debt Securities [Member]
Count, less than 12 months	1	0
Fair value, less than 12 months	$ 603	$ 0
Unrealized loss, less than 12 months	$ (1)	$ 0
Count, 12 months or more	1	1
Fair value, 12 months or more	$ 221	$ 217
Unrealized loss, 12 months or more	$ (3)	$ (8)
Count, total	2	1
Fair value, total	$ 824	$ 217
Unrealized loss, total	$ (4)	$ (8)
US Treasury Securities [Member]
Count, less than 12 months	0	0
Fair value, less than 12 months	$ 0	$ 0
Unrealized loss, less than 12 months	$ 0	$ 0
Count, 12 months or more	115	170
Fair value, 12 months or more	$ 75,059	$ 112,508
Unrealized loss, 12 months or more	$ (2,069)	$ (3,412)
Count, total	115	170
Fair value, total	$ 75,059	$ 112,508
Unrealized loss, total	$ (2,069)	$ (3,412)
US Government-sponsored Enterprises Debt Securities [Member]
Count, less than 12 months	15	2
Fair value, less than 12 months	$ 124,837	$ 8,987
Unrealized loss, less than 12 months	$ (159)	$ (13)
Count, 12 months or more	2	4
Fair value, 12 months or more	$ 7,985	$ 17,951
Unrealized loss, 12 months or more	$ (15)	$ (49)
Count, total	17	6
Fair value, total	$ 132,822	$ 26,938
Unrealized loss, total	$ (174)	$ (62)
Residential Mortgage-Backed Securities [Member]
Count, less than 12 months	0	0
Fair value, less than 12 months	$ 0	$ 0
Unrealized loss, less than 12 months	$ 0	$ 0
Count, 12 months or more	12	17
Fair value, 12 months or more	$ 2,236	$ 2,627
Unrealized loss, 12 months or more	$ (98)	$ (91)
Count, total	12	17
Fair value, total	$ 2,236	$ 2,627
Unrealized loss, total	$ (98)	$ (91)
Collateralized Mortgage-Backed Securities [Member]
Count, less than 12 months	0	0
Fair value, less than 12 months	$ 0	$ 0
Unrealized loss, less than 12 months	$ 0	$ 0
Count, 12 months or more	5	6
Fair value, 12 months or more	$ 922	$ 1,003
Unrealized loss, 12 months or more	$ (16)	$ (20)
Count, total	5	6
Fair value, total	$ 922	$ 1,003
Unrealized loss, total	$ (16)	$ (20)

Note 2 - Earnings Per Share - Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income available to common stockholders	$ 2,134	$ 2,312	$ 3,844	$ 4,945
Basic and diluted weighted average common shares outstanding (in shares)	12,460,678	12,667,129	12,464,365	12,694,334
Basic and diluted earnings per common share (in dollars per share)	$ 0.17	$ 0.18	$ 0.31	$ 0.39

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 5
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
-SubTopic 10
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-Section 45
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-URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B

Note 4 - Loans Receivable - Recorded Investment in Nonaccrual Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Recorded investment	$ 20,814	$ 21,331
Loans past due over 90 days, still accruing	0	1,007
Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Recorded investment	39	37
Loans past due over 90 days, still accruing	0	0
Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Recorded investment	380
Loans past due over 90 days, still accruing	0
Commercial Portfolio Segment [Member]
Recorded investment	20,395	21,294
Loans past due over 90 days, still accruing	$ 0	$ 1,007

Note 4 - Loans Receivable - Risk Categories of Loans By Class of Loans (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Loans receivable	$ 995,887	$ 1,059,106
Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loans receivable	17,707	18,945
Financing Receivable, current year	0	489
Financing Receivable, one year before	487	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	130
Financing Receivable, four years before	90	0
Financing Receivable, prior	13,491	14,356
Financing Receivable, revolving	3,639	3,970
Current period recoveries, current year	0	0
Current period recoveries, one year before	0	0
Current period recoveries, two years before	0	0
Current period recoveries, three years before	0	0
Current period recoveries, four years before	0	0
Current period recoveries, prior	5	45
Current period recoveries, revolving	0	0
Current period recoveries, total	5	45
Current period gross charge-offs		0
Current period gross charge-offs		0
Current period gross charge-offs		0
Current period gross charge-offs		0
Current period gross charge-offs		0
Current period gross charge-offs		(1)
Current period gross charge-offs		0
Current period gross charge-offs		(1)
Recoveries (charge-offs), net, current year		0
Recoveries (charge-offs), net, one year before		0
Recoveries (charge-offs), net, two years before		0
Recoveries (charge-offs), net, three years before		0
Recoveries (charge-offs), net, four years before		0
Recoveries (charge-offs), net, prior		44
Recoveries (charge-offs), net, revolving		0
Recoveries (charge-offs), net, total		44
Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loans receivable	527,542	527,460
Financing Receivable, current year	20,299	43,504
Financing Receivable, one year before	38,262	212,740
Financing Receivable, two years before	209,926	112,667
Financing Receivable, three years before	111,048	57,743
Financing Receivable, four years before	55,479	22,064
Financing Receivable, prior	85,471	70,007
Financing Receivable, revolving	7,057	8,735
Current period recoveries, current year	0	0
Current period recoveries, one year before	0	0
Current period recoveries, two years before	0	0
Current period recoveries, three years before	0	0
Current period recoveries, four years before	0	0
Current period recoveries, prior	10	20
Current period recoveries, revolving	0	0
Current period recoveries, total	10	20
Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loans receivable	109,635	118,016
Financing Receivable, current year	13,540	17,618
Financing Receivable, one year before	15,389	53,256
Financing Receivable, two years before	48,762	21,939
Financing Receivable, three years before	15,212	7,787
Financing Receivable, four years before	7,557	9,024
Financing Receivable, prior	9,038	8,288
Financing Receivable, revolving	137	104
Commercial Portfolio Segment [Member]
Loans receivable	339,216	393,321
Financing Receivable, current year	12,891	50,026
Financing Receivable, one year before	41,682	158,485
Financing Receivable, two years before	124,882	63,552
Financing Receivable, three years before	48,538	33,581
Financing Receivable, four years before	24,478	3,028
Financing Receivable, prior	1,850	1,379
Financing Receivable, revolving	84,895	83,270
Current period recoveries, current year	0	0
Current period recoveries, one year before	0	0
Current period recoveries, two years before	0	37
Current period recoveries, three years before	5	40
Current period recoveries, four years before	7	0
Current period recoveries, prior	0	0
Current period recoveries, revolving	0	0
Current period recoveries, total	12	77
Current period gross charge-offs	0	(20)
Current period gross charge-offs	(4)	(1,850)
Current period gross charge-offs	(116)	0
Current period gross charge-offs	(43)	(306)
Current period gross charge-offs	(5)	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	(168)	(2,176)
Recoveries (charge-offs), net, current year	0	(20)
Recoveries (charge-offs), net, one year before	(4)	(1,850)
Recoveries (charge-offs), net, two years before	(116)	37
Recoveries (charge-offs), net, three years before	(38)	(266)
Recoveries (charge-offs), net, four years before	2	0
Recoveries (charge-offs), net, prior	0	0
Recoveries (charge-offs), net, revolving	0	0
Recoveries (charge-offs), net, total	(156)	(2,099)
Consumer Portfolio Segment [Member]
Loans receivable	1,787	1,364
Financing Receivable, current year	726	336
Financing Receivable, one year before	208	8
Financing Receivable, two years before	7	140
Financing Receivable, three years before	55	80
Financing Receivable, four years before	50	247
Financing Receivable, prior	98	0
Financing Receivable, revolving	643	553
Current period recoveries, current year		0
Current period recoveries, one year before		0
Current period recoveries, two years before		0
Current period recoveries, three years before		0
Current period recoveries, four years before		0
Current period recoveries, prior		0
Current period recoveries, revolving		1
Current period recoveries, total		1
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	0	0
Current period gross charge-offs	(25)	(52)
Current period gross charge-offs	(25)	(52)
Recoveries (charge-offs), net, current year		0
Recoveries (charge-offs), net, one year before		0
Recoveries (charge-offs), net, two years before		0
Recoveries (charge-offs), net, three years before		0
Recoveries (charge-offs), net, four years before		0
Recoveries (charge-offs), net, prior		0
Recoveries (charge-offs), net, revolving		(51)
Recoveries (charge-offs), net, total		(51)
Pass [Member]
Loans receivable	938,445	993,157
Pass [Member] \| Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loans receivable	17,434	18,492
Financing Receivable, current year	0	489
Financing Receivable, one year before	487	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	130
Financing Receivable, four years before	90	0
Financing Receivable, prior	13,375	14,069
Financing Receivable, revolving	3,482	3,804
Pass [Member] \| Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loans receivable	522,856	518,538
Financing Receivable, current year	20,299	43,386
Financing Receivable, one year before	38,046	210,878
Financing Receivable, two years before	208,081	108,563
Financing Receivable, three years before	111,048	57,480
Financing Receivable, four years before	55,219	22,064
Financing Receivable, prior	83,106	67,432
Financing Receivable, revolving	7,057	8,735
Pass [Member] \| Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loans receivable	105,106	114,155
Financing Receivable, current year	13,083	17,618
Financing Receivable, one year before	15,389	50,898
Financing Receivable, two years before	46,104	20,436
Financing Receivable, three years before	13,798	7,787
Financing Receivable, four years before	7,557	9,024
Financing Receivable, prior	9,038	8,288
Financing Receivable, revolving	137	104
Pass [Member] \| Commercial Portfolio Segment [Member]
Loans receivable	291,274	340,623
Financing Receivable, current year	12,891	43,972
Financing Receivable, one year before	35,621	130,444
Financing Receivable, two years before	98,669	62,280
Financing Receivable, three years before	47,820	32,633
Financing Receivable, four years before	23,821	3,028
Financing Receivable, prior	1,850	1,379
Financing Receivable, revolving	70,602	66,887
Pass [Member] \| Consumer Portfolio Segment [Member]
Loans receivable	1,775	1,349
Financing Receivable, current year	726	336
Financing Receivable, one year before	208	8
Financing Receivable, two years before	7	140
Financing Receivable, three years before	55	80
Financing Receivable, four years before	50	247
Financing Receivable, prior	98	0
Financing Receivable, revolving	631	538
Watch [Member]
Loans receivable	19,630	28,362
Watch [Member] \| Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loans receivable	67	144
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	67	144
Financing Receivable, revolving	0	0
Watch [Member] \| Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loans receivable	3,265	7,589
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	647
Financing Receivable, two years before	640	4,104
Financing Receivable, three years before	0	263
Financing Receivable, four years before	260	0
Financing Receivable, prior	2,365	2,575
Financing Receivable, revolving	0	0
Watch [Member] \| Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loans receivable	3,259	3,861
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	2,358
Financing Receivable, two years before	1,845	1,503
Financing Receivable, three years before	1,414	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	0	0
Watch [Member] \| Commercial Portfolio Segment [Member]
Loans receivable	13,033	16,761
Financing Receivable, current year	0	6,043
Financing Receivable, one year before	5,630	7,171
Financing Receivable, two years before	6,443	748
Financing Receivable, three years before	718	371
Financing Receivable, four years before	242	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	0	2,428
Watch [Member] \| Consumer Portfolio Segment [Member]
Loans receivable	6	7
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	6	7
Special Mention [Member]
Loans receivable	11,796	11,925
Special Mention [Member] \| Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loans receivable	0	0
Special Mention [Member] \| Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loans receivable	0	1,333
Financing Receivable, current year		118
Financing Receivable, one year before		1,215
Financing Receivable, two years before		0
Financing Receivable, three years before		0
Financing Receivable, four years before		0
Financing Receivable, prior		0
Financing Receivable, revolving		0
Special Mention [Member] \| Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loans receivable	433	0
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	433
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Special Mention [Member] \| Commercial Portfolio Segment [Member]
Loans receivable	11,360	10,587
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	11,360	10,587
Special Mention [Member] \| Consumer Portfolio Segment [Member]
Loans receivable	3	5
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	3	5
Substandard [Member]
Loans receivable	5,202	4,331
Substandard [Member] \| Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loans receivable	167	272
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	26	127
Financing Receivable, revolving	141	145
Substandard [Member] \| Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loans receivable	1,421	0
Financing Receivable, current year	0
Financing Receivable, one year before	216
Financing Receivable, two years before	1,205
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Substandard [Member] \| Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loans receivable	457	0
Financing Receivable, current year	457
Financing Receivable, one year before	0
Financing Receivable, two years before	0
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Substandard [Member] \| Commercial Portfolio Segment [Member]
Loans receivable	3,154	4,056
Financing Receivable, current year	0	0
Financing Receivable, one year before	75	666
Financing Receivable, two years before	146	0
Financing Receivable, three years before	0	22
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	2,933	3,368
Substandard [Member] \| Consumer Portfolio Segment [Member]
Loans receivable	3	3
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	3	3
Substandard Nonaccrual [Member]
Loans receivable	20,814	21,331
Substandard Nonaccrual [Member] \| Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loans receivable	39	37
Financing Receivable, current year	0	0
Financing Receivable, one year before	0	0
Financing Receivable, two years before	0	0
Financing Receivable, three years before	0	0
Financing Receivable, four years before	0	0
Financing Receivable, prior	23	16
Financing Receivable, revolving	16	21
Substandard Nonaccrual [Member] \| Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loans receivable	0	0
Substandard Nonaccrual [Member] \| Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loans receivable	380	0
Financing Receivable, current year	0
Financing Receivable, one year before	0
Financing Receivable, two years before	380
Financing Receivable, three years before	0
Financing Receivable, four years before	0
Financing Receivable, prior	0
Financing Receivable, revolving	0
Substandard Nonaccrual [Member] \| Commercial Portfolio Segment [Member]
Loans receivable	20,395	21,294
Financing Receivable, current year	0	11
Financing Receivable, one year before	356	20,204
Financing Receivable, two years before	19,624	524
Financing Receivable, three years before	0	555
Financing Receivable, four years before	415	0
Financing Receivable, prior	0	0
Financing Receivable, revolving	0	0
Substandard Nonaccrual [Member] \| Consumer Portfolio Segment [Member]
Loans receivable	$ 0	$ 0

Note 4 - Loans Receivable (Details Textual) - USD ($)	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Unamortized Loan Cost (Fee)	$ 1,500,000		$ 1,700,000
Financing Receivable, Allowance for Credit Loss	8,142,000	$ 8,249,000	8,345,000	$ 9,226,000	$ 10,032,000	$ 8,129,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	995,887,000		1,059,106,000
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	1,900,000		1,400,000
Financing Receivable, Modified, Accumulated	0		0
Real Estate or Business Assets [Member]
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	2,100,000		3,200,000
Unfunded Loan Commitment [Member] \| Other Liabilities [Member]
Financing Receivable, Allowance for Credit Loss	$ 262,000		$ 335,000

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

Note 8 - Revenue From Contracts With Customers

6 Months Ended

Jun. 30, 2024

Revenue from Contract with Customer [Text Block]

NOTE 8 – REVENUE FROM CONTRACTS WITH CUSTOMERS

All of the Company's revenue from contracts with customers within the scope of ASC 606 is recognized within noninterest income. The following table presents the Company's sources of noninterest income. Items outside of the scope of the ASC 606 are noted as such.

	*Three Months Ended*						*Six Months Ended*
	*June 30,*						*June 30,*
	*2024*			*2023*			*2024*			*2023*
Deposit service charges and fees	$	834		$	830		$	1,643		$	1,646
Loan servicing fees⁽¹⁾		97			141			253			270
Trust and insurance commissions and annuities income		349			276			799			643
Losses on sales of securities ⁽¹⁾		—			—			—			(454	)
(Loss) gain on sale of premises and equipment		(9	)		13			(84	)		9
Valuation adjustment on bank premises held-for-sale ⁽¹⁾		—			(32	)		—			(585	)
Loss on bank-owned life insurance⁽¹⁾		(91	)		(87	)		(178	)		(171	)
Gain on repurchase of Subordinated notes⁽¹⁾		—			—			107			—
Other ⁽¹⁾		96			98			197			194
Total noninterest income	$	1,276		$	1,239		$	2,737		$	1,552

⁽¹⁾ Not within the scope of ASC 606

A description of the Company's revenue streams accounted for under ASC 606 follows:

Deposit service charges and fees: The Company earns fees from its deposit customers based on specific types of transactions, account maintenance and overdraft services. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance.

Interchange income: The Company earns interchange fees from debit cardholder transactions conducted through the Visa payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange income is included in deposit service charges and fees. Interchange income was $316,000 and $356,000 for the three months ended June 30, 2024 and 2023, respectively. Interchange income was $626,000 and $690,000 for the six months ended June 30, 2024 and 2023, respectively.

Trust and insurance commissions and annuities income: The Company earns trust, insurance commissions and annuities income from its contracts with trust customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed, i.e., the trade date. Other related services provided include fees the Company earns, which are based on a fixed fee schedule and are recognized when the services are rendered.

Gains/losses on sales of foreclosed assets and other assets: The Company records a gain or loss from the sale of foreclosed assets and other assets when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Company finances the sale of foreclosed assets to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the foreclosed asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, the Company adjusts the transaction price and related gain (loss) on sale if a significant financing component is present. Foreclosed assets sales for the six months ended June 30, 2024 and 2023 were not financed by the Company.

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-9

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-10

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-15

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-13

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Topic 606
-Publisher FASB
-URI https://asc.fasb.org/606/tableOfContent

Note 6 - Borrowings and Subordinated Notes (Tables)

6 Months Ended

Jun. 30, 2024

Federal Home Loan Bank, Advances [Table Text Block]

	*June 30, 2024*					*December 31, 2023*
	*Contractual*					*Contractual*
	*Rate*			*Amount*		*Rate*			*Amount*
Fixed-rate advance from FHLB, due September 16, 2024		4.55	%	$	5,000		4.55	%	$	5,000
Fixed-rate advance from FHLB, due March 17, 2025		4.27	%		5,000		4.27	%		5,000
Fixed-rate advance from FHLB, due September 17, 2025		4.20	%		5,000		4.20	%		5,000
Fixed-rate advance from FHLB, due March 17, 2026		4.15	%		5,000		4.15	%		5,000
Fixed-rate advance from FHLB, due September 17, 2026		4.06	%		5,000		4.06	%		5,000
Subordinated notes, due May 15, 2031		3.75	%		18,715		3.75	%		19,678
Line of credit, due March 28, 2025		8.00	%		—		8.00	%		—

Note 6 - Borrowings and Subordinated Notes (Details Textual) - USD ($)

1 Months Ended

3 Months Ended

6 Months Ended

12 Months Ended

Apr. 14, 2021

Mar. 31, 2024

Jun. 30, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Dec. 31, 2020

Dec. 31, 2023

Repayments of Subordinated Debt

$ 906,000

$ (0)

Gain (Loss) on Extinguishment of Debt

^[1]

$ 0

107,000

$ 0

Federal Home Loan Bank Advances [Member]

Debt, Long-term and Short-term, Combined Amount, Total

$ 0

Line of Credit [Member] | Unsecured Debt [Member]

Line of Credit, Current

$ 5,000,000

Debt Instrument, Prime Rate Floor

2.40%

Prime Rate [Member] | Line of Credit [Member] | Unsecured Debt [Member]

Debt Instrument, Basis Spread on Variable Rate

0.50%

The 3.75 Percent Fixed-to-Floating Rate Subordinated Notes [Member]

Debt Instrument, Face Amount

$ 20,000,000

Debt Instrument, Interest Rate, Stated Percentage

3.75%

Debt Issuance Costs, Net, Total

$ 441,000

$ 285,000

$ 322,000

Debt Instrument, Term (Year)

10 years

Repayments of Subordinated Debt

$ 1,000,000

Gain (Loss) on Extinguishment of Debt

$ 107,000

The 3.75 Percent Fixed-to-Floating Rate Subordinated Notes [Member] | Secured Overnight Financing Rate (SOFR) [Member]

Debt Instrument, Basis Spread on Variable Rate

2.99%

[1]	Not within the scope of ASC 606

Note 7 - Fair Value (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]

	*Fair Value Measurements Using*
	*Quoted Prices in Active Markets for Identical Assets (Level 1)*		*Significant Observable Inputs (Level 2)*		*Significant Unobservable Inputs (Level 3)*		*Fair Value*
June 30, 2024
Securities:
Municipal securities	$	—	$	925	$	—	$	925
U.S. Treasury Notes		75,059		—		—		75,059
U.S. government-sponsored agencies		—		142,816		—		142,816
Mortgage-backed securities – residential		—		3,184		—		3,184
Collateralized mortgage obligations – residential		—		922		—		922
	$	75,059	$	147,847	$	—	$	222,906
December 31, 2023
Securities:
Municipal securities	$	—	$	934	$	—	$	934
U.S. Treasury Notes		112,508		—		—		112,508
U.S. government-sponsored agencies		—		35,391		—		35,391
Mortgage-backed securities – residential		—		3,367		—		3,367
Collateralized mortgage obligations – residential		—		1,003		—		1,003
	$	112,508	$	40,695	$	—	$	153,203

Fair Value Measurements, Nonrecurring [Table Text Block]

	*Fair Value Measurement Using*
	*Quoted Prices in Active Markets for Identical Assets (Level 1)*		*Significant Observable Inputs (Level 2)*		*Significant Unobservable Inputs (Level 3)*		*Fair Value*
December 31, 2023
Other real estate owned	$	—	$	—	$	405	$	405
Other foreclosed assets		—		—		387		387

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]

	*Fair Value*		*Valuation Technique(s)*	*Significant Unobservable Input(s)*	*Range (Weighted Average)*
December 31, 2023
Other real estate owned	$	405	Sales comparison	Discount applied to valuation		10.0	%
Other foreclosed assets		387	Sales comparison	Discount applied to valuation		6.2	%

Fair Value, by Balance Sheet Grouping [Table Text Block]

			*Fair Value Measurements at June 30, 2024 Using:*
	*Carrying Amount*		*Level 1*		*Level 2*		*Level 3*		*Total*
Financial assets
Cash and cash equivalents and time deposits in other financial institutions	$	186,691	$	132,385	$	54,306	$	—	$	186,691
Securities		222,906		75,059		147,847		—		222,906
Loans receivable, net of allowance for credit losses		987,745		—		—		941,656		941,656
FHLB and FRB stock		7,490		—		—		—		N /A
Accrued interest receivable		9,343		304		2,549		6,490		9,343
Financial liabilities
Certificates of deposit		223,494		—		221,386		—		221,386
Borrowings		25,000		—		24,812		—		24,812
Subordinated notes		18,715		—		16,910		—		16,910

			*Fair Value Measurements at December 31, 2023 Using:*
	*Carrying Amount*		*Level 1*		*Level 2*		*Level 3*		*Total*
Financial assets
Cash and cash equivalents and time deposits in other financial institutions	$	207,997	$	177,169	$	30,828	$	—	$	207,997
Securities		153,203		112,508		40,695		—		153,203
Loans receivable, net of allowance for credit losses		1,050,761		—		—		997,897		997,897
FHLB and FRB stock		7,490		—		—		—		N /A
Accrued interest receivable		7,542		475		500		6,567		7,542
Financial liabilities
Certificates of deposit		222,391		—		220,222		—		220,222
Borrowings		25,000		—		24,960		—		24,960
Subordinated notes		19,678		—		17,698		.		17,698

Note 5 - Foreclosed Assets

6 Months Ended

Jun. 30, 2024

Foreclosed Assets [Text Block]

NOTE 5 - FORECLOSED ASSETS

Real estate that is acquired through foreclosure or a deed in lieu of foreclosure is classified as other real estate owned ("OREO") until it is sold. When real estate is acquired through foreclosure or by deed in lieu of foreclosure, it is recorded at its fair value, less the estimated costs of disposal. If the fair value of the property is less than the loan balance, the difference is charged against the allowance for credit losses.

Assets are classified as foreclosed when physical possession of the collateral is taken regardless of whether foreclosure proceedings have taken place. Other foreclosed assets received in satisfaction of borrowers’ debts are initially recorded at fair value of the asset less estimated costs to sell.

	*June 30, 2024*						*December 31, 2023*
	*Balance*		*Valuation Allowance*		*Net Balance*		*Balance*		*Valuation Allowance*			*Net Balance*

Other real estate owned	$	—	$	—	$	—	$	472	$	(67	)	$	405
Other foreclosed assets		1,898		—		1,898		2,416		(44	)		2,372
	$	1,898	$	—	$	1,898	$	2,888	$	(111	)	$	2,777

The following represents the roll forward of foreclosed assets:

	*For the Three Months Ended*						*For the Six Months Ended*
	*June 30,*						*June 30,*
	*2024*			*2023*			*2024*			*2023*
Beginning balance	$	2,332		$	1,393		$	2,777		$	476
New foreclosed assets		—			—			49			921
Valuation reductions from sales		44			—			111			—
Direct write-downs		—			(70	)		—			(70	)
Sales		(478	)		(373	)		(1,039	)		(377	)
Ending balance	$	1,898		$	950		$	1,898		$	950

Activity in the valuation allowance is as follows:

	*For the Three Months Ended*					*For the Six Months Ended*
	*June 30,*					*June 30,*
	*2024*			*2023*		*2024*			*2023*
Beginning balance	$	44		$	—	$	111		$	—
Reductions from sales		(44	)		—		(111	)		—
Ending balance	$	—		$	—	$	—		$	—

The were no consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process at June 30, 2024 and December 31, 2023. At June 30, 2024, other foreclosed assets consisted of machinery repossessed in connection with equipment finance leases.

Note 4 - Loans Receivable - Loans Individually Evaluated for Impairment By Class (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Dec. 31, 2023
Loan balance, with no allowance recorded	$ 21,715	$ 21,715	$ 24,020
Recorded investment, with no allowance recorded	20,978	20,978	22,049
Partial charge-off, with no allowance recorded	537	537	450
Average investment in impaired loans, with no allowance recorded	20,768	20,953	16,618
Interest income recognized, with no allowance recorded	2	19	39
Loan balance, with no allowance recorded	21,715	21,715	24,020
Recorded investment, with no allowance recorded	20,978	20,978	22,049
Average investment in impaired loans, with no allowance recorded	20,768	20,953	16,618
Interest income recognized, with no allowance recorded	2	19	39
Commercial Portfolio Segment [Member]
Loan balance, with no allowance recorded	21,293	21,293
Recorded investment, with no allowance recorded	20,541	20,541
Partial charge-off, with no allowance recorded	537	537
Average investment in impaired loans, with no allowance recorded	20,583	20,830
Interest income recognized, with no allowance recorded	1	15
Loan balance, with no allowance recorded	21,293	21,293
Recorded investment, with no allowance recorded	20,541	20,541
Average investment in impaired loans, with no allowance recorded	20,583	20,830
Interest income recognized, with no allowance recorded	1	15
One-to-Four Family Residential Real Estate [Member] \| Real Estate Portfolio [Member]
Loan balance, with no allowance recorded	56	56	66
Recorded investment, with no allowance recorded	57	57	67
Partial charge-off, with no allowance recorded	0	0	0
Average investment in impaired loans, with no allowance recorded	58	60	76
Interest income recognized, with no allowance recorded	1	1	4
Loan balance, with no allowance recorded	56	56	66
Recorded investment, with no allowance recorded	57	57	67
Average investment in impaired loans, with no allowance recorded	58	60	76
Interest income recognized, with no allowance recorded	1	1	4
Nonresidential Real Estate [Member] \| Real Estate Portfolio [Member]
Loan balance, with no allowance recorded	366	366
Recorded investment, with no allowance recorded	380	380
Partial charge-off, with no allowance recorded	0	0
Average investment in impaired loans, with no allowance recorded	127	63
Interest income recognized, with no allowance recorded	0	3
Loan balance, with no allowance recorded	366	366
Recorded investment, with no allowance recorded	380	380
Average investment in impaired loans, with no allowance recorded	127	63
Interest income recognized, with no allowance recorded	$ 0	$ 3
Commercial Loans [Member] \| Real Estate Portfolio [Member]
Loan balance, with no allowance recorded			23,954
Loan balance, with no allowance recorded			23,954
Commercial leases [Member] \| Real Estate Portfolio [Member]
Recorded investment, with no allowance recorded			21,982
Partial charge-off, with no allowance recorded			450
Average investment in impaired loans, with no allowance recorded			16,542
Interest income recognized, with no allowance recorded			35
Recorded investment, with no allowance recorded			21,982
Average investment in impaired loans, with no allowance recorded			16,542
Interest income recognized, with no allowance recorded			$ 35

Note 4 - Loans Receivable - Allowance for Loan Losses and Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Loan balances, individually evaluated for impairment	$ 20,978		$ 22,049
Loan balances, collectively evaluated for impairment	974,909		1,037,057
Loans receivable	995,887		1,059,106
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	8,142		8,345
Allowance for loan losses	8,142	$ 8,249	8,345	$ 9,226	$ 10,032	$ 8,129
Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Loan balances, individually evaluated for impairment	57		67
Loan balances, collectively evaluated for impairment	17,650		18,878
Loans receivable	17,707		18,945
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	324		295
Allowance for loan losses	324	331	295	326	354	281
Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	527,542		527,460
Loans receivable	527,542		527,460
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	4,843		4,549
Allowance for loan losses	4,843	4,819	4,549	4,679	4,714	4,017
Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Loan balances, individually evaluated for impairment	380		0
Loan balances, collectively evaluated for impairment	109,255		118,016
Loans receivable	109,635		118,016
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	1,397		1,166
Allowance for loan losses	1,397	1,444	1,166	1,245	1,347	1,234
Commercial Portfolio Segment [Member]
Loan balances, individually evaluated for impairment	20,541		21,982
Loan balances, collectively evaluated for impairment	318,675		371,339
Loans receivable	339,216		393,321
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	1,524		2,303
Allowance for loan losses	1,524	1,621	2,303	2,943	3,576	2,548
Consumer Portfolio Segment [Member]
Loan balances, individually evaluated for impairment	0		0
Loan balances, collectively evaluated for impairment	1,787		1,364
Loans receivable	1,787		1,364
Allowance for loans individually evaluated	0		0
Allowance for loans collectively evaluated	54		32
Allowance for loan losses	$ 54	$ 34	$ 32	$ 33	$ 41	$ 49

Note 7 - Fair Value - Financial Assets At Fair Value (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Securities	$ 222,906	$ 153,203
US States and Political Subdivisions Debt Securities [Member]
Securities	925	934
US Treasury and Government [Member]
Securities	75,059
US Government-sponsored Enterprises Debt Securities [Member]
Securities	142,816	35,391
Residential Mortgage-Backed Securities [Member]
Securities	3,184	3,367
Collateralized Mortgage-Backed Securities [Member]
Securities	922	1,003
US Treasury Securities [Member]
Securities	75,059	112,508
Fair Value, Inputs, Level 1 [Member]
Securities	75,059	112,508
Fair Value, Inputs, Level 1 [Member] \| US States and Political Subdivisions Debt Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] \| US Treasury and Government [Member]
Securities	75,059
Fair Value, Inputs, Level 1 [Member] \| US Government-sponsored Enterprises Debt Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] \| Residential Mortgage-Backed Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] \| Collateralized Mortgage-Backed Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 1 [Member] \| US Treasury Securities [Member]
Securities		112,508
Fair Value, Inputs, Level 2 [Member]
Securities	147,847	40,695
Fair Value, Inputs, Level 2 [Member] \| US States and Political Subdivisions Debt Securities [Member]
Securities	925	934
Fair Value, Inputs, Level 2 [Member] \| US Treasury and Government [Member]
Securities	0
Fair Value, Inputs, Level 2 [Member] \| US Government-sponsored Enterprises Debt Securities [Member]
Securities	142,816	35,391
Fair Value, Inputs, Level 2 [Member] \| Residential Mortgage-Backed Securities [Member]
Securities	3,184	3,367
Fair Value, Inputs, Level 2 [Member] \| Collateralized Mortgage-Backed Securities [Member]
Securities	922	1,003
Fair Value, Inputs, Level 2 [Member] \| US Treasury Securities [Member]
Securities		0
Fair Value, Inputs, Level 3 [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] \| US States and Political Subdivisions Debt Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] \| US Treasury and Government [Member]
Securities	0
Fair Value, Inputs, Level 3 [Member] \| US Government-sponsored Enterprises Debt Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] \| Residential Mortgage-Backed Securities [Member]
Securities	0	0
Fair Value, Inputs, Level 3 [Member] \| Collateralized Mortgage-Backed Securities [Member]
Securities	$ 0	0
Fair Value, Inputs, Level 3 [Member] \| US Treasury Securities [Member]
Securities		$ 0

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Allowance for loan losses	$ 8,142	$ 8,345
Preferred Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized (in shares)	25,000,000	25,000,000
Preferred Stock, shares issued (in shares)	0	0
Preferred Stock, shares outstanding (in shares)	0	0
Common Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, shares authorized (in shares)	100,000,000	100,000,000
Common Stock, shares issued (in shares)	12,460,678	12,475,881

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

Consolidated Statements of Changes In Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022	$ 0	$ 0	$ (1,719)	$ 0	$ (1,719)
Balance at Dec. 31, 2022						$ 127	$ 85,848	$ 71,808	$ (6,112)	$ 151,671
Net income						0	0	4,945	0	4,945
Other comprehensive loss, net of tax effect						0	0	0	1,194	1,194
Repurchase and retirement of common stock						(1)	(1,245)	0	0	(1,246)
Cash dividends declared on common stock						0	0	(2,542)	0	(2,542)
Balance at Jun. 30, 2023						126	84,603	72,492	(4,918)	152,303
Balance at Mar. 31, 2023						127	85,346	71,449	(4,563)	152,359
Net income						0	0	2,312	0	2,312
Other comprehensive loss, net of tax effect						0	0	0	(355)	(355)
Repurchase and retirement of common stock						(1)	(743)	0	0	(744)
Cash dividends declared on common stock						0	0	(1,269)	0	(1,269)
Balance at Jun. 30, 2023						126	84,603	72,492	(4,918)	152,303
Balance at Dec. 31, 2023						125	83,457	74,426	(2,625)	155,383
Net income						0	0	3,844	0	3,844
Other comprehensive loss, net of tax effect						0	0	0	900	900
Repurchase and retirement of common stock						0	(156)	0	0	(156)
Cash dividends declared on common stock						0	0	(2,493)	0	(2,493)
Balance at Jun. 30, 2024						125	83,301	75,777	(1,725)	157,478
Balance at Mar. 31, 2024						125	83,301	74,889	(2,284)	156,031
Net income						0	0	2,134	0	2,134
Other comprehensive loss, net of tax effect						0	0	0	559	559
Cash dividends declared on common stock						0	0	(1,246)	0	(1,246)
Balance at Jun. 30, 2024						$ 125	$ 83,301	$ 75,777	$ (1,725)	$ 157,478

Amount after tax and reclassification adjustments of other comprehensive income (loss).

The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.

Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

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Note 3 - Securities

6 Months Ended

Jun. 30, 2024

Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

NOTE 3 - SECURITIES

The fair value of securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive loss is as follows:

	*Amortized Cost*		*Gross Unrealized Gains*		*Gross Unrealized Losses*			*Fair Value*
Available-for-Sale Securities

June 30, 2024
Municipal securities	$	929	$	—	$	(4	)	$	925
U.S. Treasury Notes		77,128		—		(2,069	)		75,059
U.S. government-sponsored agencies		142,987		3		(174	)		142,816
Mortgage-backed securities - residential		3,255		27		(98	)		3,184
Collateralized mortgage obligations - residential		938		—		(16	)		922
	$	225,237	$	30	$	(2,361	)	$	222,906
December 31, 2023
Municipal securities	$	930	$	12	$	(8	)	$	934
U.S. Treasury Notes		115,920		—		(3,412	)		112,508
U.S. government-sponsored agencies		35,446		7		(62	)		35,391
Mortgage-backed securities - residential		3,431		27		(91	)		3,367
Collateralized mortgage obligations - residential		1,023		—		(20	)		1,003
	$	156,750	$	46	$	(3,593	)	$	153,203

Mortgage-backed securities and collateralized mortgage obligations reflected in the preceding table were issued by U.S. government-sponsored entities and agencies, Freddie Mac, Fannie Mae and Ginnie Mae, and are obligations which the government has affirmed its commitment to support.

The amortized cost and fair values of securities available-for-sale by contractual maturity are shown below. Securities not due at a single maturity date are shown separately. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

	*June 30, 2024*
	*Amortized Cost*		*Fair Value*
Due in one year or less	$	104,022	$	102,671
Due after one year through five years		117,022		116,129
		221,044		218,800
Mortgage-backed securities - residential		3,255		3,184
Collateralized mortgage obligations - residential		938		922
	$	225,237	$	222,906

Securities available-for-sale with unrealized losses not recognized in income are as follows:

	*Less than 12 Months*							*12 Months or More*							*Total*
	*Count*		*Fair Value*		*Unrealized Loss*			*Count*		*Fair Value*		*Unrealized Loss*			*Count*		*Fair Value*		*Unrealized Loss*
June 30, 2024
Municipal securities		1	$	603	$	(1	)		1	$	221	$	(3	)		2	$	824	$	(4	)
U.S. Treasury Notes		—		—		—			115		75,059		(2,069	)		115		75,059		(2,069	)
U.S. government-sponsored agencies		15		124,837		(159	)		2		7,985		(15	)		17		132,822		(174	)
Mortgage-backed securities - residential		—		—		—			12		2,236		(98	)		12		2,236		(98	)
Collateralized mortgage obligations - residential		—		—		—			5		922		(16	)		5		922		(16	)
		16	$	125,440	$	(160	)		135	$	86,423	$	(2,201	)		151	$	211,863	$	(2,361	)

December 31, 2023
Municipal securities		—	$	—	$	—			1	$	217	$	(8	)		1	$	217	$	(8	)
U.S. Treasury Notes		—		—		—			170		112,508		(3,412	)		170		112,508		(3,412	)
U.S. government-sponsored agencies		2		8,987		(13	)		4		17,951		(49	)		6		26,938		(62	)
Mortgage-backed securities - residential		—		—		—			17		2,627		(91	)		17		2,627		(91	)
Collateralized mortgage obligations - residential		—		—		—			6		1,003		(20	)		6		1,003		(20	)
		2	$	8,987	$	(13	)		198	$	134,306	$	(3,580	)		200	$	143,293	$	(3,593	)

U.S. Treasury Notes, U.S. government-sponsored agencies and the other available-for-sale securities reflected in the above table that the Company holds in its investment portfolio were in an unrealized loss position at June 30, 2024, but the unrealized loss was not recognized into income because the U.S. Treasury Notes are backed by the full faith and credit of the United States and the other issuers were high credit quality, it is not likely that the Company will be required to sell these securities before their anticipated recovery occurs and the decline in fair value was due to changes in interest rates and other market conditions. The fair values of these securities are expected to recover as maturity dates of these securities approach.

We reviewed the available-for-sale securities in an unrealized loss position within the guidelines of Accounting Standards Codification (“ASC”) 326 and determined that no credit loss is required to be recognized.

The proceeds from sales of securities and the associated losses were as follows:

	*Three Months Ended*				*Six Months Ended*
	*June 30,*				*June 30,*
	*2024*		*2023*		*2024*		*2023*
Proceeds	$	—	$	—	$	—	$	42,631
Gross gains		—		—		—		—
Gross losses		—		—		—		(454	)

Note 8 - Revenue From Contracts With Customers (Tables)

6 Months Ended

Jun. 30, 2024

Disaggregation of Revenue [Table Text Block]

	*Three Months Ended*						*Six Months Ended*
	*June 30,*						*June 30,*
	*2024*			*2023*			*2024*			*2023*
Deposit service charges and fees	$	834		$	830		$	1,643		$	1,646
Loan servicing fees⁽¹⁾		97			141			253			270
Trust and insurance commissions and annuities income		349			276			799			643
Losses on sales of securities ⁽¹⁾		—			—			—			(454	)
(Loss) gain on sale of premises and equipment		(9	)		13			(84	)		9
Valuation adjustment on bank premises held-for-sale ⁽¹⁾		—			(32	)		—			(585	)
Loss on bank-owned life insurance⁽¹⁾		(91	)		(87	)		(178	)		(171	)
Gain on repurchase of Subordinated notes⁽¹⁾		—			—			107			—
Other ⁽¹⁾		96			98			197			194
Total noninterest income	$	1,276		$	1,239		$	2,737		$	1,552

Note 4 - Loans Receivable - Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Loans receivable	$ 995,887		$ 1,059,106
Allowance for credit losses	(8,142)	$ (8,249)	(8,345)	$ (9,226)	$ (10,032)	$ (8,129)
Loans, net	987,745		1,050,761
Commercial Portfolio Segment [Member]
Loans receivable	339,216		393,321
Allowance for credit losses	(1,524)	(1,621)	(2,303)	(2,943)	(3,576)	(2,548)
Consumer Portfolio Segment [Member]
Loans receivable	1,787		1,364
Allowance for credit losses	(54)	(34)	(32)	(33)	(41)	(49)
One-to-Four Family Residential Real Estate [Member] \| Real Estate Portfolio [Member]
Loans receivable	17,707		18,945
Allowance for credit losses	(324)	(331)	(295)	(326)	(354)	(281)
Multi-family Mortgage [Member] \| Real Estate Portfolio [Member]
Loans receivable	527,542		527,460
Allowance for credit losses	(4,843)	(4,819)	(4,549)	(4,679)	(4,714)	(4,017)
Nonresidential Real Estate [Member] \| Real Estate Portfolio [Member]
Loans receivable	109,635		118,016
Allowance for credit losses	$ (1,397)	$ (1,444)	$ (1,166)	$ (1,245)	$ (1,347)	$ (1,234)

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

Note 5 - Foreclosed Assets- Roll Forward of Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning balance	$ 2,332	$ 1,393	$ 2,777	$ 476
New foreclosed assets	0	0	49	921
Valuation reductions from sales	44	0	111	0
Direct write-downs	0	(70)	(0)	(70)
Sales	(478)	(373)	(1,039)	(377)
Ending balance	$ 1,898	$ 950	$ 1,898	$ 950

Note 7 - Fair Value

6 Months Ended

Jun. 30, 2024

Fair Value Disclosures [Text Block]

NOTE 7 - FAIR VALUE

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:

•

Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.


	•	Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.


	•	Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:

Securities: The fair value for investment securities is determined by quoted market prices, if available (Level 1). The fair values of debt securities are generally determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2).

Loans Evaluated Individually: The Company does not record portfolio loans at fair value on a recurring basis. However, periodically, a loan is evaluated individually and is reported at the fair value of the underlying collateral, less estimated costs to sell, if repayment is expected solely from the collateral. If the collateral value is not sufficient, a specific reserve is recorded. Collateral values are estimated using a combination of observable inputs, including recent appraisals, and unobservable inputs based on customized discounting criteria. Due to the significance of unobservable inputs, fair values of individually evaluated collateral dependent loans have
been classified as Level 3.

Foreclosed assets: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Foreclosed assets are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Premises held-for-sale: At the time of transfer to held-for sale, these assets are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. These assets are evaluated on a quarterly basis for additional impairment and adjusted accordingly. During 2023, we recorded a valuation adjustment of $553,000 at the time of transfer of two of our retail branches to premises held-for-sale. During the second quarter of 2023, we recorded an additional valuation adjustment of $32,000 on our Hazel Crest office based on the purchase price of the pending sale agreement for the facility.

The following table sets forth the Company’s financial assets that were accounted for at fair value and are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

	*Fair Value Measurements Using*
	*Quoted Prices in Active Markets for Identical Assets (Level 1)*		*Significant Observable Inputs (Level 2)*		*Significant Unobservable Inputs (Level 3)*		*Fair Value*
June 30, 2024
Securities:
Municipal securities	$	—	$	925	$	—	$	925
U.S. Treasury Notes		75,059		—		—		75,059
U.S. government-sponsored agencies		—		142,816		—		142,816
Mortgage-backed securities – residential		—		3,184		—		3,184
Collateralized mortgage obligations – residential		—		922		—		922
	$	75,059	$	147,847	$	—	$	222,906
December 31, 2023
Securities:
Municipal securities	$	—	$	934	$	—	$	934
U.S. Treasury Notes		112,508		—		—		112,508
U.S. government-sponsored agencies		—		35,391		—		35,391
Mortgage-backed securities – residential		—		3,367		—		3,367
Collateralized mortgage obligations – residential		—		1,003		—		1,003
	$	112,508	$	40,695	$	—	$	153,203

The following table sets forth the Company’s assets that were measured at fair value on a non-recurring basis:

	*Fair Value Measurement Using*
	*Quoted Prices in Active Markets for Identical Assets (Level 1)*		*Significant Observable Inputs (Level 2)*		*Significant Unobservable Inputs (Level 3)*		*Fair Value*
December 31, 2023
Other real estate owned	$	—	$	—	$	405	$	405
Other foreclosed assets		—		—		387		387

At June 30, 2024 and December 31, 2023, there were no individually evaluated loans that were measured using the fair value of the collateral for collateral–dependent loans and which had specific valuation allowances.

Foreclosed assets are carried at the lower of cost or fair value less costs to sell. At June 30, 2024, there were no foreclosed assets with valuation allowances. At December 31, 2023 other real estate owned had a carrying value of $472,000 less a valuation allowance of $67,000, or $405,000, and other foreclosed assets had a carrying value of $431,000 less a valuation allowance of $44,000, or $387,000. There were no valuation adjustments of foreclosed assets recorded for the three and six months ended June 30, 2024 and 2023.

The following table presents quantitative information, based on certain empirical data with respect to Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis:

	*Fair Value*		*Valuation Technique(s)*	*Significant Unobservable Input(s)*	*Range (Weighted Average)*
December 31, 2023
Other real estate owned	$	405	Sales comparison	Discount applied to valuation		10.0	%
Other foreclosed assets		387	Sales comparison	Discount applied to valuation		6.2	%

The carrying amount and estimated fair value of financial instruments are as follows:

			*Fair Value Measurements at June 30, 2024 Using:*
	*Carrying Amount*		*Level 1*		*Level 2*		*Level 3*		*Total*
Financial assets
Cash and cash equivalents and time deposits in other financial institutions	$	186,691	$	132,385	$	54,306	$	—	$	186,691
Securities		222,906		75,059		147,847		—		222,906
Loans receivable, net of allowance for credit losses		987,745		—		—		941,656		941,656
FHLB and FRB stock		7,490		—		—		—		N /A
Accrued interest receivable		9,343		304		2,549		6,490		9,343
Financial liabilities
Certificates of deposit		223,494		—		221,386		—		221,386
Borrowings		25,000		—		24,812		—		24,812
Subordinated notes		18,715		—		16,910		—		16,910

			*Fair Value Measurements at December 31, 2023 Using:*
	*Carrying Amount*		*Level 1*		*Level 2*		*Level 3*		*Total*
Financial assets
Cash and cash equivalents and time deposits in other financial institutions	$	207,997	$	177,169	$	30,828	$	—	$	207,997
Securities		153,203		112,508		40,695		—		153,203
Loans receivable, net of allowance for credit losses		1,050,761		—		—		997,897		997,897
FHLB and FRB stock		7,490		—		—		—		N /A
Accrued interest receivable		7,542		475		500		6,567		7,542
Financial liabilities
Certificates of deposit		222,391		—		220,222		—		220,222
Borrowings		25,000		—		24,960		—		24,960
Subordinated notes		19,678		—		17,698		.		17,698

Loans: The exit price observations are obtained from an independent third-party using its proprietary valuation model and methodology and may not reflect actual or prospective market valuations. The valuation is based on the probability of default, loss given default, recovery delay, prepayment, and discount rate assumptions.

While the above estimates are based on management’s judgment of the most appropriate factors, as of the balance sheet date, there is no assurance that the estimated fair values would have been realized if the assets were disposed of or the liabilities settled at that date, since market values may differ depending on the various circumstances. The estimated fair values would also not apply to subsequent dates.

In addition, other assets and liabilities that are not financial instruments, such as premises and equipment, are not included in the above disclosures.

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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Note 4 - Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2024

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

	*June 30, 2024*			*December 31, 2023*
One-to-four family residential real estate	$	17,707		$	18,945
Multi-family residential real estate		527,542			527,460
Nonresidential real estate		109,635			118,016
Commercial loans and leases		339,216			393,321
Consumer		1,787			1,364
		995,887			1,059,106
Allowance for credit losses		(8,142	)		(8,345	)
Loans, net	$	987,745		$	1,050,761

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

	*One-to-four family residential real estate*			*Multi-family residential real estate*			*Nonresidential real estate*			*Commercial loans and leases*			*Consumer*			*Total*
For the three months ended

June 30, 2024
Beginning balance	$	331		$	4,819		$	1,444		$	1,621		$	34		$	8,249
Provision for (recovery of) credit losses		(9	)		20			(47	)		(94	)		32			(98	)
Loans charged off		—			—			—			(10	)		(12	)		(22	)
Recoveries		2			4			—			7			—			13
	$	324		$	4,843		$	1,397		$	1,524		$	54		$	8,142

June 30, 2023
Beginning balance	$	354		$	4,714		$	1,347		$	3,576		$	41		$	10,032
Recovery of credit losses		(35	)		(41	)		(102	)		(1	)		(1	)		(180	)
Loans charged off		—			—			—			(638	)		(7	)		(645	)
Recoveries		7			6			—			6			—			19
	$	326		$	4,679		$	1,245		$	2,943		$	33		$	9,226

	*One-to-four family residential real estate*			*Multi-family residential real estate*		*Nonresidential real estate*			*Commercial loans and leases*			*Consumer*			*Total*
For the six months ended

June 30, 2024
Beginning balance	$	295		$	4,549	$	1,166		$	2,303		$	32		$	8,345
Provision for (recovery of) credit losses		24			284		231			(623	)		47			(37	)
Loans charged off		—			—		—			(168	)		(25	)		(193	)
Recoveries		5			10		—			12			—			27
	$	324		$	4,843	$	1,397		$	1,524		$	54		$	8,142

June 30, 2023
Beginning balance, prior to adoption of ASC 326	$	281		$	4,017	$	1,234		$	2,548		$	49		$	8,129
Impact of adopting ASC 326		99			630		66			1,122			(10	)		1,907
Beginning balance, after adoption of ASC 326		380			4,647		1,300			3,670			39			10,036
Provision for (recovery of) credit losses		(66	)		21		(55	)		(17	)		22			(95	)
Loans charged off		—			—		—			(717	)		(29	)		(746	)
Recoveries		12			11		—			7			1			31
	$	326		$	4,679	$	1,245		$	2,943		$	33		$	9,226

Financing Receivable and Allowance for Loan Losses Based on Impairment Method [Table Text Block]

	*One-to-four family residential real estate*		*Multi-family residential real estate*		*Nonresidential real estate*		*Commercial loans and leases*		*Consumer*		*Total*
June 30, 2024
Loans:
Loans individually evaluated	$	57	$	—	$	380	$	20,541	$	—	$	20,978
Loans collectively evaluated		17,650		527,542		109,255		318,675		1,787		974,909
	$	17,707	$	527,542	$	109,635	$	339,216	$	1,787	$	995,887
ACL:
Loans individually evaluated	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated		324		4,843		1,397		1,524		54		8,142
	$	324	$	4,843	$	1,397	$	1,524	$	54	$	8,142

	*One-to-four family residential real estate*		*Multi-family residential real estate*		*Nonresidential real estate*		*Commercial loans and leases*		*Consumer*		*Total*
December 31, 2023
Loans:
Loans individually evaluated	$	67	$	—	$	—	$	21,982	$	—	$	22,049
Loans collectively evaluated		18,878		527,460		118,016		371,339		1,364		1,037,057
	$	18,945	$	527,460	$	118,016	$	393,321	$	1,364	$	1,059,106
ACL:
Loans individually evaluated	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated		295		4,549		1,166		2,303		32		8,345
	$	295	$	4,549	$	1,166	$	2,303	$	32	$	8,345

Impaired Financing Receivables 1 [Table Text Block]

									*Three Months Ended*				*Six Months Ended*
									*June 30, 2024*				*June 30, 2024*
	*Loan Balance*		*Recorded Investment*		*Partial Charge-off*		*Allowance for Credit Losses Allocated*		*Average Investment*		*Interest Income Recognized*		*Average Investment*		*Interest Income Recognized*
June 30, 2024
With no related allowance recorded:
One-to-four family residential real estate	$	56	$	57	$	—	$	—	$	58	$	1	$	60	$	1
Nonresidential real estate		366		380		—		—		127		—		63		3
Commercial loans and leases		21,293		20,541		537		—		20,583		1		20,830		15
	$	21,715	$	20,978	$	537	$	—	$	20,768	$	2	$	20,953	$	19

									*Year ended*
									*December 31, 2023*
	*Loan Balance*		*Recorded Investment*		*Partial Charge-off*		*Allowance for Credit Losses Allocated*		*Average Investment*		*Interest Income Recognized*
December 31, 2023
With no related allowance recorded:
One-to-four family residential real estate	$	66	$	67	$	—	$	—	$	76	$	4
Commercial loans and leases		23,954		21,982		450		—		16,542		35
	$	24,020	$	22,049	$	450	$	—	$	16,618	$	39

Financing Receivable, Nonaccrual [Table Text Block]

	*Nonaccrual*		*Loans Past Due Over 90 Days Still Accruing*
June 30, 2024
One-to-four family residential real estate	$	39	$	—
Nonresidential real estate		380		—
Commercial loans and leases		20,395		—
	$	20,814	$	—
December 31, 2023
One-to-four family residential real estate	$	37	$	—
Commercial loans and leases		21,294		1,007
	$	21,331	$	1,007

Financing Receivable, Past Due [Table Text Block]

	*30-59 Days Past Due*		*60-89 Days Past Due*		*Greater Than 89 Days Past Due*		*Total Past Due*		*Nonaccrual*		*Current*		*Total*
June 30, 2024
One-to-four family residential real estate loans	$	13	$	—	$	—	$	13	$	39	$	17,655	$	17,707
Multi-family residential real estate:
Senior notes		—		107		—		107		—		487,966		488,073
Junior notes		—		—		—		—		—		39,469		39,469
Nonresidential real estate:
Owner occupied		—		—		—		—		—		15,549		15,549
Non-owner occupied		—		—		—		—		380		93,706		94,086
Commercial loans and leases:
Commercial		1,159		151		—		1,310		1,506		187,161		189,977
Equipment finance - Government		2,649		3,272		—		5,921		18,889		83,344		108,154
Equipment finance - Corporate Investment-grade		—		—		—		—		—		41,085		41,085
Consumer		6		3		—		9		—		1,778		1,787
	$	3,827	$	3,533	$	—	$	7,360	$	20,814	$	967,713	$	995,887

	*30-59 Days Past Due*		*60-89 Days Past Due*		*Greater Than 89 Days Past Due*		*Total Past Due*		*Nonaccrual*		*Current*		*Total*
December 31, 2023
One-to-four family residential real estate loans	$	12	$	18	$	—	$	30	$	37	$	18,878	$	18,945
Multi-family residential real estate:
Senior notes		—		—		—		—		—		485,281		485,281
Junior notes		—		—		—		—		—		42,179		42,179
Nonresidential real estate:
Owner occupied		—		—		—		—		—		20,901		20,901
Non-owner occupied		—		—		—		—		—		97,115		97,115
Commercial loans and leases:
Commercial		234		26		666		926		2,285		208,770		211,981
Equipment finance - Government		3,147		5,028		—		8,175		18,956		105,134		132,265
Equipment finance - Corporate Investment-grade		7		—		341		348		53		48,674		49,075
Consumer		8		5		—		13		—		1,351		1,364
	$	3,408	$	5,077	$	1,007	$	9,492	$	21,331	$	1,028,283	$	1,059,106

Financing Receivable Credit Quality Indicators [Table Text Block]

	*Pass*		*Watch*		*Special Mention*		*Substandard*		*Substandard Nonaccrual*		*Total*
June 30, 2024
One-to-four family residential real estate	$	17,434	$	67	$	—	$	167	$	39	$	17,707
Multi-family residential real estate		522,856		3,265		—		1,421		—		527,542
Nonresidential real estate		105,106		3,259		433		457		380		109,635
Commercial loans and leases		291,274		13,033		11,360		3,154		20,395		339,216
Consumer		1,775		6		3		3		—		1,787
	$	938,445	$	19,630	$	11,796	$	5,202	$	20,814	$	995,887

	*Pass*		*Watch*		*Special Mention*		*Substandard*		*Substandard Nonaccrual*		*Total*
December 31, 2023
One-to-four family residential real estate	$	18,492	$	144	$	—	$	272	$	37	$	18,945
Multi-family residential real estate		518,538		7,589		1,333		—		—		527,460
Nonresidential real estate		114,155		3,861		—		—		—		118,016
Commercial loans and leases		340,623		16,761		10,587		4,056		21,294		393,321
Consumer		1,349		7		5		3		—		1,364
	$	993,157	$	28,362	$	11,925	$	4,331	$	21,331	$	1,059,106

	*Term Loans Amortized Cost Basis by Origination Year*
	*2024*		*2023*			*2022*			*2021*			*2020*			*Prior*		*Revolving loans*			*Total*
June 30, 2024

*One-to-four family residential real estate loans:*
Risk-rating
Pass	$	—	$	487		$	—		$	—		$	90		$	13,375	$	3,482		$	17,434
Watch		—		—			—			—			—			67		—			67
Substandard		—		—			—			—			—			26		141			167
Nonaccrual		—		—			—			—			—			23		16			39
	$	—	$	487		$	—		$	—		$	90		$	13,491	$	3,639		$	17,707
*One-to-four family residential real estate loans:*
Current period recoveries	$	—	$	—		$	—		$	—		$	—		$	5	$	—		$	5
*Multi-family residential real estate:*
Risk rating
Pass	$	20,299	$	38,046		$	208,081		$	111,048		$	55,219		$	83,106	$	7,057		$	522,856
Watch		—		—			640			—			260			2,365		—			3,265
Substandard		—		216			1,205			—			—			—		—			1,421
	$	20,299	$	38,262		$	209,926		$	111,048		$	55,479		$	85,471	$	7,057		$	527,542
*Multi-family residential real estate:*
Current period recoveries	$	—	$	—		$	—		$	—		$	—		$	10	$	—		$	10
Nonresidential real estate:
Risk rating
Pass	$	13,083	$	15,389		$	46,104		$	13,798		$	7,557		$	9,038	$	137		$	105,106
Watch		—		—			1,845			1,414			—			—		—			3,259
Special mention		—		—			433			—			—			—		—			433
Substandard		457		—			—			—			—			—		—			457
Nonaccrual		—		—			380			—			—			—		—			380
	$	13,540	$	15,389		$	48,762		$	15,212		$	7,557		$	9,038	$	137		$	109,635
Commercial loans and leases:
Risk rating
Pass	$	12,891	$	35,621		$	98,669		$	47,820		$	23,821		$	1,850	$	70,602		$	291,274
Watch		—		5,630			6,443			718			242			—		—			13,033
Special mention		—		—			—			—			—			—		11,360			11,360
Substandard		—		75			146			—			—			—		2,933			3,154
Nonaccrual		—		356			19,624			—			415			—		—			20,395
	$	12,891	$	41,682		$	124,882		$	48,538		$	24,478		$	1,850	$	84,895		$	339,216
Commercial loans and leases:
Current period gross charge-offs	$	—	$	(4	)	$	(116	)	$	(43	)	$	(5	)	$	—	$	—		$	(168	)
Current period recoveries		—		—			—			5			7			—		—			12
	$	—	$	(4	)	$	(116	)	$	(38	)	$	2		$	—	$	—		$	(156	)
Consumer:
Risk rating
Pass	$	726	$	208		$	7		$	55		$	50		$	98	$	631		$	1,775
Watch		—		—			—			—			—			—		6			6
Special mention		—		—			—			—			—			—		3			3
Substandard		—		—			—			—			—			—		3			3
	$	726	$	208		$	7		$	55		$	50		$	98	$	643		$	1,787
Consumer:
Current period gross charge-offs	$	—	$	—		$	—		$	—		$	—		$	—	$	(25	)	$	(25	)

	*Term Loans Amortized Cost Basis by Origination Year*
	*2023*			*2022*			*2021*		*2020*			*2019*		*Prior*			*Revolving loans*			*Total*
December 31, 2023

*One-to-four family residential real estate loans:*
Risk-rating
Pass	$	489		$	—		$	—	$	130		$	—	$	14,069		$	3,804		$	18,492
Watch		—			—			—		—			—		144			—			144
Substandard		—			—			—		—			—		127			145			272
Nonaccrual		—			—			—		—			—		16			21			37
	$	489		$	—		$	—	$	130		$	—	$	14,356		$	3,970		$	18,945
*One-to-four family residential real estate loans:*
Current-period gross charge-offs	$	—		$	—		$	—	$	—		$	—	$	(1	)	$	—		$	(1	)
Current period recoveries		—			—			—		—			—		45			—			45
	$	—		$	—		$	—	$	—		$	—	$	44		$	—		$	44
*Multi-family residential real estate:*
Risk rating
Pass	$	43,386		$	210,878		$	108,563	$	57,480		$	22,064	$	67,432		$	8,735		$	518,538
Watch		—			647			4,104		263			—		2,575			—			7,589
Special mention		118			1,215			—		—			—		—			—			1,333
	$	43,504		$	212,740		$	112,667	$	57,743		$	22,064	$	70,007		$	8,735		$	527,460
*Multi-family residential real estate:*
Current period recoveries	$	—		$	—		$	—	$	—		$	—	$	20		$	—		$	20
Nonresidential real estate:
Risk rating
Pass	$	17,618		$	50,898		$	20,436	$	7,787		$	9,024	$	8,288		$	104		$	114,155
Watch		—			2,358			1,503		—			—		—			—			3,861
	$	17,618		$	53,256		$	21,939	$	7,787		$	9,024	$	8,288		$	104		$	118,016
Commercial loans and leases:
Risk rating
Pass	$	43,972		$	130,444		$	62,280	$	32,633		$	3,028	$	1,379		$	66,887		$	340,623
Watch		6,043			7,171			748		371			—		—			2,428			16,761
Special mention		—			—			—		—			—		—			10,587			10,587
Substandard		—			666			—		22			—		—			3,368			4,056
Nonaccrual		11			20,204			524		555			—		—			—			21,294
	$	50,026		$	158,485		$	63,552	$	33,581		$	3,028	$	1,379		$	83,270		$	393,321
Commercial loans and leases:
Current period gross charge-offs	$	(20	)	$	(1,850	)	$	—	$	(306	)	$	—	$	—		$	—		$	(2,176	)
Current period recoveries		—			—			37		40			—		—			—			77
	$	(20	)	$	(1,850	)	$	37	$	(266	)	$	—	$	—		$	—		$	(2,099	)
Consumer:
Risk rating
Pass	$	336		$	8		$	140	$	80		$	247	$	—		$	538		$	1,349
Watch		—			—			—		—			—		—			7			7
Special mention		—			—			—		—			—		—			5			5
Substandard		—			—			—		—			—		—			3			3
	$	336		$	8		$	140	$	80		$	247	$	—		$	553		$	1,364
Consumer:
Current period gross charge-offs	$	—		$	—		$	—	$	—		$	—	$	—		$	(52	)	$	(52	)
Current period recoveries		—			—			—		—			—		—			1			1
	$	—		$	—		$	—	$	—		$	—	$	—		$	(51	)	$	(51	)

Note 8 - Revenue From Contracts With Customers (Details Textual) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue from Contract with Customer, Excluding Assessed Tax	$ 834,000	$ 830,000	$ 1,643,000	$ 1,646,000
Credit and Debit Card [Member]
Revenue from Contract with Customer, Excluding Assessed Tax	$ 316,000	$ 356,000	$ 626,000	$ 690,000

Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-41

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 270
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482964/270-10-50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (ee)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (b)
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 924
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SAB Topic 11.L)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479941/924-10-S99-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-5

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-42

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-40

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-4

Cash flows from operating activities

Note 3 - Securities - Proceeds and Gains and Losses From Sale of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Proceeds from sale of securities	$ 0	$ 0	$ 0	$ 42,631
Gross gains	0	0	0	0
Gross losses	$ 0	$ 0	$ 0	$ (454)

Note 5 - Foreclosed Assets - Activity in the Valuation Allowance (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning balance	$ 44	$ 0	$ 111	$ 0
Reductions from sales	(44)	0	(111)	0
Ending balance	$ 0	$ 0	$ 0	$ 0

Note 3 - Securities - Amortized Cost and Fair Value of Securities By Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Due in one year or less, amortized cost	$ 104,022
Due in one year or less, fair value	102,671
Due after one year through five years, amortized cost	117,022
Due after one year through five years	116,129
Amortized cost, single maturity date, amortized cost	221,044
Fair value, single maturity date	218,800
Amortized cost	225,237	$ 156,750
Fair value	222,906	153,203
Residential Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	3,255
Fair value, without single maturity date	3,184
Amortized cost	3,255	3,431
Fair value	3,184	3,367
Collateralized Mortgage-Backed Securities [Member]
Amortized cost, without single maturity date, amortized cost	938
Fair value, without single maturity date	922
Amortized cost	938	1,023
Fair value	$ 922	$ 1,003

Consolidated Statements of Cash Flows (Unaudited) - USD ($)

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Net income

$ 3,844,000

$ 4,945,000

Adjustments to reconcile net income to net cash from operating activities

Recovery of credit losses - loans

(37,000)

(95,000)

Recovery of credit losses - unfunded commitments

(73,000)

(45,000)

Depreciation and amortization

810,000

644,000

Net change in net deferred loan origination costs

206,000

(110,000)

Losses on sales of securities

^[1]

454,000

Valuation adjustment on bank premises held-for-sale

^[1]

(0)

585,000

Loss (gain) on disposal of premises and equipment

84,000

(9,000)

Loss on sale of foreclosed assets

227,000

15,000

Foreclosed assets write down

70,000

Loss on bank-owned life insurance

178,000

171,000

Gain on redemption of Subordinated notes

^[1]

(107,000)

Net change in:

Accrued interest receivable

(1,801,000)

(1,161,000)

Other assets

279,000

847,000

Accrued interest payable and other liabilities

(3,308,000)

(5,986,000)

Net cash from operating activities

302,000

325,000

Cash flows (used in) from investing activities

Net change in interest-bearing time deposits in other financial institutions

(5,400,000)

(744,000)

Proceeds from maturities

61,580,000

Proceeds from principal repayments

260,000

378,000

Proceeds from sale of securities

42,631,000

Purchases of securities

(134,985,000)

Net change in loans receivable

62,771,000

53,322,000

Proceeds from sale of foreclosed assets

701,000

362,000

Proceeds from sale of premises and equipment

537,000

690,000

Purchase of premises and equipment, net

(893,000)

(830,000)

Net cash (used in) from investing activities

(15,429,000)

95,809,000

Cash flows used in financing activities

Deposits

(9,350,000)

(71,214,000)

Advance payments by borrowers for taxes and insurance

1,326,000

2,428,000

Proceeds from Federal Home Loan Bank advances

35,000,000

Repayments of Federal Home Loan Bank advances

(10,000,000)

Proceeds from repurchase of Subordinated notes

(906,000)

Repurchase and retirement of common stock

(156,000)

(1,246,000)

Cash dividends paid on common stock

(2,493,000)

(2,542,000)

Net cash used in financing activities

(11,579,000)

(47,574,000)

Net change in cash and cash equivalents

(26,706,000)

48,560,000

Beginning cash and cash equivalents

178,484,000

66,771,000

Ending cash and cash equivalents

151,778,000

115,331,000

Supplemental disclosures of cash flow information:

Interest paid

9,924,000

5,754,000

Income taxes paid

1,202,000

2,260,000

Income taxes refunded

20,000

Assets transferred to premises held-for-sale

1,799,000

Loans transferred to foreclosed assets

49,000

921,000

Due from broker

9,375,000

Recording of right of use asset in exchange for lease obligations in other assets and other liabilities

$ 592,000

$ 0

[1]	Not within the scope of ASC 606

Note 4 - Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning balance	$ 8,249	$ 10,032	$ 8,345	$ 8,129
Recovery of credit losses - loans	(98)	(180)	(37)	(95)
Loans charged off	(22)	(645)	(193)	(746)
Recoveries	13	19	27	31
Total ending allowance balance	8,142	9,226	8,142	9,226
Cumulative Effect, Period of Adoption, Adjustment [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				1,907
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				10,036
Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member]
Beginning balance	331	354	295	281
Recovery of credit losses - loans	(9)	(35)	24	(66)
Loans charged off	0	0	0	0
Recoveries	2	7	5	12
Total ending allowance balance	324	326	324	326
Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				99
Real Estate Portfolio [Member] \| One-to-Four Family Residential Real Estate [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				380
Real Estate Portfolio [Member] \| Multi-family Mortgage [Member]
Beginning balance	4,819	4,714	4,549	4,017
Recovery of credit losses - loans	20	(41)	284	21
Loans charged off	0	0	0	0
Recoveries	4	6	10	11
Total ending allowance balance	4,843	4,679	4,843	4,679
Real Estate Portfolio [Member] \| Multi-family Mortgage [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				630
Real Estate Portfolio [Member] \| Multi-family Mortgage [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				4,647
Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member]
Beginning balance	1,444	1,347	1,166	1,234
Recovery of credit losses - loans	(47)	(102)	231	(55)
Loans charged off	0	0	0	0
Recoveries	0	0	0	0
Total ending allowance balance	1,397	1,245	1,397	1,245
Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				66
Real Estate Portfolio [Member] \| Nonresidential Real Estate [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				1,300
Commercial Portfolio Segment [Member]
Beginning balance	1,621	3,576	2,303	2,548
Recovery of credit losses - loans	(94)	(1)	(623)	(17)
Loans charged off	(10)	(638)	(168)	(717)
Recoveries	7	6	12	7
Total ending allowance balance	1,524	2,943	1,524	2,943
Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				1,122
Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				3,670
Consumer Portfolio Segment [Member]
Beginning balance	34	41	32	49
Recovery of credit losses - loans	32	(1)	47	22
Loans charged off	(12)	(7)	(25)	(29)
Recoveries	0	0	0	1
Total ending allowance balance	$ 54	$ 33	$ 54	33
Consumer Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				(10)
Consumer Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member] \| Accounting Standards Update 2016-13 [Member]
Beginning balance				$ 39

Insider Trading Arrangements

6 Months Ended

Jun. 30, 2024

Insider Trading Arr Line Items

Material Terms of Trading Arrangement [Text Block]

ITEM 5.

OTHER INFORMATION

During the three months ended June 30, 2024, no directors or executive officers of the Company adopted or terminated any contract, instruction or written plan for the purchase or sale of the Company securities that was intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) and/or any “Rule 10b5-1 trading arrangement.”

Rule 10b5-1 Arrangement Adopted [Flag]

false

Non-Rule 10b5-1 Arrangement Adopted [Flag]

false

Rule 10b5-1 Arrangement Terminated [Flag]

false

Non-Rule 10b5-1 Arrangement Terminated [Flag]

false

Note 7 - Fair Value - Financial Assets At Fair Value on Non-recurring Basis (Details) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Other real estate owned, gross	$ 0	$ 472,000
Fair Value, Nonrecurring [Member] \| One-to-Four Family Residential Real Estate [Member]
Other real estate owned, gross		405,000
Other foreclosed assets		387,000
Fair Value, Nonrecurring [Member] \| One-to-Four Family Residential Real Estate [Member] \| Fair Value, Inputs, Level 1 [Member]
Other real estate owned, gross		0
Other foreclosed assets		0
Fair Value, Nonrecurring [Member] \| One-to-Four Family Residential Real Estate [Member] \| Fair Value, Inputs, Level 2 [Member]
Other real estate owned, gross		0
Other foreclosed assets		0
Fair Value, Nonrecurring [Member] \| One-to-Four Family Residential Real Estate [Member] \| Fair Value, Inputs, Level 3 [Member]
Other real estate owned, gross		405,000
Other foreclosed assets		$ 387,000

Note 5 - Foreclosed Assets (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Mortgage Loans in Process of Foreclosure, Amount	$ 0	$ 0

Note 3 - Securities - Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Amortized cost	$ 225,237	$ 156,750
Gross unrealized gains	30	46
Gross unrealized losses	(2,361)	(3,593)
Fair value	222,906	153,203
US States and Political Subdivisions Debt Securities [Member]
Amortized cost	929	930
Gross unrealized gains	0	12
Gross unrealized losses	(4)	(8)
Fair value	925	934
US Treasury Securities [Member]
Amortized cost	77,128	115,920
Gross unrealized gains	0	0
Gross unrealized losses	(2,069)	(3,412)
Fair value	75,059	112,508
US Government-sponsored Enterprises Debt Securities [Member]
Amortized cost	142,987	35,446
Gross unrealized gains	3	7
Gross unrealized losses	(174)	(62)
Fair value	142,816	35,391
Residential Mortgage-Backed Securities [Member]
Amortized cost	3,255	3,431
Gross unrealized gains	27	27
Gross unrealized losses	(98)	(91)
Fair value	3,184	3,367
Collateralized Mortgage-Backed Securities [Member]
Amortized cost	938	1,023
Gross unrealized gains	0	0
Gross unrealized losses	(16)	(20)
Fair value	$ 922	$ 1,003

Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 103
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-103

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481830/320-10-45-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(6))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479130/326-30-45-1

us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract

Consolidated Statements of Operations (Unaudited) - USD ($)

3 Months Ended

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Interest and dividend income

Loans, including fees

$ 13,349,000

$ 14,345,000

$ 26,702,000

$ 28,738,000

Taxable

50,000

101,000

99,000

Tax exempt

2,234,000

766,000

3,452,000

1,806,000

Borrowings and Subordinated notes

2,022,000

1,017,000

4,745,000

1,695,000

Total interest income

17,655,000

16,178,000

35,000,000

32,338,000

Interest expense

Deposits

4,624,000

2,761,000

8,960,000

5,061,000

455,000

474,000

937,000

834,000

Total interest expense

5,079,000

3,235,000

9,897,000

5,895,000

Net interest income

12,576,000

12,943,000

25,103,000

26,443,000

Recovery of credit losses - loans

(98,000)

(180,000)

(37,000)

(95,000)

Recovery of credit losses - unfunded commitments

(24,000)

(8,000)

(73,000)

(45,000)

Recovery of credit losses

(122,000)

(188,000)

(110,000)

(140,000)

Net interest income after recovery of credit losses

12,698,000

13,131,000

25,213,000

26,583,000

Noninterest income

Deposit service charges and fees

834,000

830,000

1,643,000

1,646,000

Loan servicing fees

^[1]

97,000

141,000

253,000

270,000

Trust and insurance commissions and annuities income

349,000

276,000

799,000

643,000

Losses on sales of securities

^[1]

(454,000)

(Loss) gain on sale of premises and equipment

(9,000)

13,000

(84,000)

9,000

Valuation adjustment on bank premises held-for-sale

^[1]

(32,000)

(585,000)

Loss on bank-owned life insurance

(91,000)

(87,000)

(178,000)

(171,000)

Gain on repurchase of Subordinated notes

^[1]

107,000

Compensation and benefits

^[1]

96,000

98,000

197,000

194,000

Total noninterest income

1,276,000

1,239,000

2,737,000

1,552,000

Noninterest expense

5,943,000

5,629,000

11,995,000

11,184,000

Office occupancy and equipment

1,861,000

2,031,000

4,102,000

4,069,000

Advertising and public relations

112,000

269,000

202,000

459,000

Information technology

1,049,000

965,000

2,051,000

1,814,000

Professional fees

382,000

348,000

836,000

665,000

Supplies, telephone, and postage

292,000

295,000

578,000

654,000

FDIC insurance premiums

144,000

282,000

305,000

436,000