0001437749-26-008243 | 10-K | XBRL Viewer

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

	At or For the Year Ended December 31,
Numerator:	2025			2024			2023
Net income	$	33,346		$	35,024		$	36,053
Dividends and undistributed earnings allocated to participating securities		(566	)		(572	)		(578	)
Net income available to common shareholders	$	32,780		$	34,452		$	35,475
Denominator (shown as actual):
Basic weighted average common shares outstanding		7,528,764			7,697,806			7,656,526
Dilutive shares		114,729			195,440			118,907
Diluted weighted average common shares outstanding		7,643,493			7,893,246			7,775,433
Basic earnings per share	$	4.35		$	4.48		$	4.63
Diluted earnings per share	$	4.29		$	4.36		$	4.56
Potentially dilutive weighted average unvested restricted shares and stock options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive.		2,521			11,640			56,520

Note 14 - Fair Value Measurements - Schedule of Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Certificates of deposit at other financial institutions	$ 0	$ 1,727
Loans Receivable, Fair Value Disclosure	13,183	12,728
Time deposits	1,130,396
Short-Term Debt	129,305	307,806
Subordinated notes, excluding unamortized debt issuance costs	50,000	50,000
Interest Rate Swap [Member]
Derivative asset	1,930	7,306
Derivative liabilities	656
Fair Value, Inputs, Level 1 [Member] \| Reported Value Measurement [Member]
Cash and cash equivalents	28,219	31,635
Fair Value, Inputs, Level 1 [Member] \| Reported Value Measurement [Member] \| Certificates of Deposit [Member]
Certificates of deposit at other financial institutions	0	1,727
Fair Value, Inputs, Level 1 [Member] \| Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	28,219	31,635
Fair Value, Inputs, Level 1 [Member] \| Estimate of Fair Value Measurement [Member] \| Certificates of Deposit [Member]
Certificates of deposit at other financial institutions	0	1,727
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member]
Securities available-for-sale	288,667	281,175
Securities held-to-maturity, gross	33,501	8,500
Mortgage loans held for sale, at fair value	43,705	27,835
Loans Receivable, Fair Value Disclosure	13,183	12,728
Time deposits	1,130,396	1,028,896
Short-Term Debt	129,305	307,806
Subordinated notes, excluding unamortized debt issuance costs	50,000	50,000
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Interest Rate Swap [Member] \| Cash Flow and Fair Value Hedging [Member]
Derivative asset	1,894	7,244
Derivative liabilities	656	0
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	36	62
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivative liabilities	146	0
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Customer Swap [Member]
Derivative liabilities	36	61
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivative asset	0	180
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member]
Securities available-for-sale	288,667	281,175
Securities held-to-maturity, gross	34,396	8,144
Mortgage loans held for sale, at fair value	43,705	27,835
Loans Receivable, Fair Value Disclosure	13,183	12,728
Time deposits	1,129,892	1,024,663
Short-Term Debt	128,360	307,408
Subordinated notes, excluding unamortized debt issuance costs	48,856	45,504
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Interest Rate Swap [Member] \| Cash Flow and Fair Value Hedging [Member]
Derivative asset	1,894	7,244
Derivative liabilities	656	0
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	36	62
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivative liabilities	146	0
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Customer Swap [Member]
Derivative liabilities	36	61
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivative asset	0	180
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member]
Loans receivable, gross	2,641,926	2,521,093
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member] \| Mortgage Servicing Rights [Member]
MSRs, held at lower of cost or fair value	8,608	9,204
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Derivative liabilities	8	31
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member] \| Interest Rate Lock Commitments [Member]
Derivative asset	241	103
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member]
Loans receivable, gross	2,578,744	2,385,213
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member] \| Mortgage Servicing Rights [Member]
MSRs, held at lower of cost or fair value	21,800	21,043
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Derivative liabilities	8	31
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member] \| Interest Rate Lock Commitments [Member]
Derivative asset	$ 241	$ 103

Note 12 - Significant Concentration of Credit Risk (Details Textual)	12 Months Ended
	Dec. 31, 2025
Construction Land Development and Other Land Concentration [Member]
Concentration Risk, Percentage of Total Regulatory Capital	103.50%
Commercial Real Estate Portfolio Segment [Member]
Concentration Risk, Percentage of Total Regulatory Capital	274.90%

Award Timing Disclosure	12 Months Ended
Award Timing Disclosure	Dec. 31, 2025
Award Tmg Disc Line Items
Award Timing MNPI Considered [Flag]	false

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Net income	$ 33,346	$ 35,024	$ 36,053
Adjustments to reconcile net income to net cash from operating activities
Provision for credit losses	9,546	5,511	4,774
Depreciation, amortization and accretion	11,935	10,566	12,649
Compensation expense related to stock options and restricted stock awards	2,254	1,806	2,010
Benefit for deferred income taxes	(294)	(2,023)	(693)
Earnings on cash surrender value of BOLI	(1,035)	(990)	(920)
Gain on sale of loans held for sale	(8,280)	(8,557)	(6,711)
Gain on sale of portfolio loans	(63)	0	0
Gain on sale of MSRs	0	(8,356)	0
Loss on sale of investment securities, net	0	7,836	0
Change in fair value on portfolio loans measured under the fair value option	(534)	0	0
Origination of loans held for sale	(527,976)	(535,623)	(377,144)
Proceeds from sale of loans held for sale	561,218	571,287	411,484
Gain on purchase of tax credits	(660)	(2,277)	0
Loss on disposal of fixed assets	39	0	0
Purchase of tax credits	(7,587)	(26,217)	0
Impairment (recovery) of MSRs	54	(38)	48
Gain on sale of OREO	0	0	(148)
Changes in operating assets and liabilities
Accrued interest receivable	(733)	124	(2,331)
Other assets	4,661	8,051	(4,495)
Other liabilities	(3,578)	(5,301)	3,093
Net cash from operating activities	72,313	50,823	77,669
CASH FLOWS (USED BY) FROM INVESTING ACTIVITIES
Proceeds from sale of investment securities	0	101,907	0
Maturities, prepayments, and calls	67,559	17,716	17,295
Purchases	(69,136)	(110,340)	(76,030)
Purchases	(30,485)	0	0
Maturities, prepayments, and calls	5,725	0	0
Maturities of certificates of deposit at other financial institutions	1,727	25,148	4,186
Purchase of certificates of deposit at other financial institutions	0	(2,708)	(23,641)
Portfolio loan originations and principal collections, net	(170,224)	(73,841)	(185,024)
Net cash from acquisitions	0	0	336,157
Proceeds from sale of MSRs	0	16,309	0
Proceeds from sale of portfolio loans	2,309	0	0
Purchase of portfolio loans	(4,498)	(63,427)	(2,818)
Proceeds from sale of OREO, net	0	0	718
Purchase of premises and equipment	(20,374)	(1,635)	(1,671)
Proceeds from bank owned life insurance death benefits	3,314	181	0
Change in FHLB stock, net	7,650	(13,507)	8,497
Net cash (used by) from investing activities	(206,433)	(104,197)	77,669
CASH FLOWS FROM (USED BY) FINANCING ACTIVITIES
Net increase (decrease) in deposits	334,189	(183,025)	(30,704)
Proceeds from borrowings	949,937	967,769	2,164,338
Repayments of borrowings	(1,128,438)	(753,709)	(2,257,120)
Dividends paid on common stock	(10,262)	(8,265)	(7,764)
Disbursements from stock options exercised, net	(57)	(1,633)	(273)
Common stock repurchased for employee/director taxes paid on restricted stock awards	(464)	(386)	(355)
Issuance of common stock - employee stock purchase plan	1,222	1,075	1,017
Common stock repurchased	(15,423)	(2,508)	(223)
Net cash from (used by) financing activities	130,704	19,318	(131,084)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(3,416)	(34,056)	24,254
CASH AND CASH EQUIVALENTS, beginning of year	31,635	65,691	41,437
CASH AND CASH EQUIVALENTS, end of year	28,219	31,635	65,691
SUPPLEMENTARY DISCLOSURES OF CASH FLOW INFORMATION
Interest on deposits and borrowings	65,154	63,061	38,744
Income taxes	184	2,370	10,396
SUPPLEMENTARY DISCLOSURES OF NONCASH OPERATING, INVESTING AND FINANCING ACTIVITIES
Change in fair value on available-for-sale investment securities	7,667	6,665	6,779
Change in fair value on fair value and cash flow hedges	(5,992)	1,188	(3,814)
Change in fair value on portfolio loans measured under the fair value option	0	52	447
Retention in gross MSRs from loan sales	2,129	2,415	2,772
ROU assets in exchange for lease liabilities	1,975	422	2,034
Acquisitions:
Assets acquired	0	0	87,512
Liabilities assumed	$ 0	$ 0	$ 424,949

Note 7 - Deposits - Schedule Interest Expense by Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest-bearing checking	$ 3,804	$ 2,521	$ 2,586
Savings and money market	8,395	7,633	5,511
Certificates of deposit	45,470	43,009	28,654
Total	$ 57,669	$ 53,163	$ 36,751

Note 16 - Derivatives - Schedule of Hedging Relationship (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Total amounts presented on the Consolidated Statements of Income	$ 66,840	$ 61,732	$ 43,889
Interest and dividends on investment securities, cash and cash equivalents, and certificates of deposit at other financial institutions	15,365	13,980	12,247
Reclassification adjustment for realized gain, net included in net income	(3,122)	(6,548)	(5,465)
Interest Expense [Member]
Net interest income recognized on cash flows of derivatives designated as hedging instruments	0	0	0
Interest Income [Member]
Net interest income recognized on cash flows of derivatives designated as hedging instruments	1,051	1,597	1,509
Designated as Hedging Instrument [Member] \| Securities Investment [Member] \| Interest Rate Swap [Member] \| Interest Expense [Member]
Net gains (losses) on fair value hedging relationships: Interest rate swaps – securities, Recognized on hedged items	0	0	0
Recognized on derivatives designated as hedging instruments	0	0	0
Net income recognized on fair value hedges	0	0	0
Designated as Hedging Instrument [Member] \| Securities Investment [Member] \| Interest Rate Swap [Member] \| Interest Income [Member]
Net gains (losses) on fair value hedging relationships: Interest rate swaps – securities, Recognized on hedged items	2,168	(1,084)	892
Recognized on derivatives designated as hedging instruments	(2,168)	1,084	(892)
Net income recognized on fair value hedges	1,051	1,597	1,509
Designated as Hedging Instrument [Member] \| Brokered Deposits and Borrowings [Member] \| Interest Rate Swap [Member] \| Interest Expense [Member]
Reclassification adjustment for realized gain, net included in net income	2,072	4,951	5,465
Net income recognized on cash flow hedges	2,072	4,951	5,465
Designated as Hedging Instrument [Member] \| Brokered Deposits and Borrowings [Member] \| Interest Rate Swap [Member] \| Interest Income [Member]
Reclassification adjustment for realized gain, net included in net income	0	0	0
Net income recognized on cash flow hedges	0	0	0
Designated as Hedging Instrument [Member] \| Fair Value Hedging And Cash Flow Hedging [Member]
Total amounts presented on the Consolidated Statements of Income	64,898	59,790	36,751
Interest and dividends on investment securities, cash and cash equivalents, and certificates of deposit at other financial institutions	$ 15,365	$ 13,980	$ 12,247

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans - Schedule of Allowance for Credit Losses by Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Beginning balance	$ 31,870	$ 31,534	$ 27,992
Provision for (reversal of) credit losses on loans	8,955	5,635	5,770
Charge-offs	(10,464)	(7,135)	(3,476)
Recoveries	1,576	1,836	1,248
Net charge-offs	(8,888)	(5,299)	(2,228)
Ending balance	31,937	31,870	31,534
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	7,001	7,293	7,056
Provision for (reversal of) credit losses on loans	1,258	(292)	237
Charge-offs	(2,300)	0	0
Recoveries	0	0	0
Net charge-offs	(2,300)	0	0
Ending balance	5,959	7,001	7,293
Residential Portfolio Segment [Member]
Beginning balance	7,440	6,814	5,067
Provision for (reversal of) credit losses on loans	(38)	626	1,757
Charge-offs	0	0	(10)
Recoveries	0	0	0
Net charge-offs	0	0	(10)
Ending balance	7,402	7,440	6,814
Consumer Portfolio Segment [Member]
Beginning balance	14,185	13,357	12,109
Provision for (reversal of) credit losses on loans	7,983	5,221	3,465
Charge-offs	(7,731)	(5,994)	(3,465)
Recoveries	1,497	1,601	1,248
Net charge-offs	(6,234)	(4,393)	(2,217)
Ending balance	15,934	14,185	13,357
Commercial Business Portfolio Segment [Member]
Beginning balance	3,244	4,070	3,760
Provision for (reversal of) credit losses on loans	(248)	80	311
Charge-offs	(433)	(1,141)	(1)
Recoveries	79	235	0
Net charge-offs	(354)	(906)	(1)
Ending balance	$ 2,642	$ 3,244	$ 4,070

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans - Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Beginning balance	$ 3,575	$ 3,343
Additions	37	345
Repayments	(153)	(113)
Ending balance	$ 3,459	$ 3,575

Note 9 - Debt - Summary of Debt (Details) (Parentheticals)	Dec. 31, 2025	Dec. 31, 2024
Federal Reserve Bank, Fed Funds [Member]
Interest rate, effective		4.33%
Minimum [Member]
Interest rate	3.74%	4.45%
Maximum [Member]
Interest rate	4.92%	4.92%

Note 6 - Leases (Details Textual)	Dec. 31, 2025
Lessee, Operating Lease, Renewal Term (Year)	5 years
Minimum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)	3 months
Maximum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)	9 years 6 months 29 days

Note 14 - Fair Value Measurements - Schedule of Schedule of Financial Assets and Liabilities on a Recurring and Non-recurring Basis (Details) - Fair Value, Inputs, Level 3 [Member]	Dec. 31, 2025	Dec. 31, 2024
Minimum [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.80
Minimum [Member] \| Individual Forward Sale Commitments With Investors [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.80
Minimum [Member] \| Collateral Dependent Loans [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value of Underlying Collateral [Member] \| Measurement Input, Discount Rate [Member]
Collateral dependent loans	0
Minimum [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Nonrecurring [Member] \| Industry Sources [Member] \| Measurement Input, Prepayment Rate [Member]
Collateral dependent loans	0
Maximum [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.99
Maximum [Member] \| Individual Forward Sale Commitments With Investors [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.99
Maximum [Member] \| Collateral Dependent Loans [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value of Underlying Collateral [Member] \| Measurement Input, Discount Rate [Member]
Collateral dependent loans	0.25
Maximum [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Nonrecurring [Member] \| Industry Sources [Member] \| Measurement Input, Prepayment Rate [Member]
Collateral dependent loans	0.50
Weighted Average [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.937	0.94
Weighted Average [Member] \| Individual Forward Sale Commitments With Investors [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.937	0.94
Weighted Average [Member] \| Collateral Dependent Loans [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value of Underlying Collateral [Member] \| Measurement Input, Discount Rate [Member]
Collateral dependent loans	0	0
Weighted Average [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Nonrecurring [Member] \| Industry Sources [Member] \| Measurement Input, Prepayment Rate [Member]
Collateral dependent loans	0.085	0.083

Note 21 - Parent Company Only Financial Information - Condensed Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash and due from banks	$ 13,504	$ 19,280
Other assets	38,203	39,670
TOTAL ASSETS	3,196,847	3,029,177
Subordinated notes, net	49,661	49,594
Other liabilities	30,656	31,036
Total liabilities	2,889,153	2,733,410
Stockholders' equity	307,694	295,767	$ 264,488	$ 231,697
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	3,196,847	3,029,177
Parent Company [Member]
Cash and due from banks	8,133	9,160
Investment in subsidiary	349,514	336,579
Other assets	716	487
TOTAL ASSETS	358,363	346,226
Subordinated notes, net	49,661	49,594
Other liabilities	1,008	865
Total liabilities	50,669	50,459
Stockholders' equity	307,694	295,767
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 358,363	$ 346,226

Note 16 - Derivatives (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]

Line item in the Consolidated Balance Sheets in which the hedged item is included	Carrying Amount of the Hedged Assets		Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets
December 31, 2025
Investment securities ⁽¹⁾	$	57,869	$	2,131
Total	$	57,869	$	2,131

December 31, 2024
Investment securities ⁽¹⁾	$	55,701	$	4,299
Total	$	55,701	$	4,299

Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]

	December 31, 2025
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	300,000	$	1,894	$	656
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		25,468		241		—
Mandatory and best effort forward commitments with investors		8,985		8		—
Forward TBA mortgage-backed securities		56,000		—		146
Interest rate swaps – customer swap positions		627		—		36
Interest rate swaps – dealer offsets to customer swap positions		627		36		—

	December 31, 2024
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	340,000	$	7,244	$	—
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		16,905		103		—
Mandatory and best effort forward commitments with investors		6,829		31		—
Forward TBA mortgage-backed securities		31,000		180		—
Interest rate swaps – customer swap positions		716		—		61
Interest rate swaps – dealer offsets to customer swap positions		716		62		—

Derivative Instruments, Gain (Loss) [Table Text Block]

	Year Ended December 31,
	2025					2024					2023
	Interest					Interest					Interest
	Expense		Interest			Expense		Interest			Expense		Interest
	Deposits and		Income			Deposits and		Income			Deposits and		Income
	Borrowings		Securities			Borrowings		Securities			Borrowings		Securities
Total amounts presented on the Consolidated Statements of Income	$	64,898	$	15,365		$	59,790	$	13,980		$	36,751	$	12,247
Net gains (losses) on fair value hedging relationships:
Interest rate swaps – securities
Recognized on hedged items	$	—	$	2,168		$	—	$	(1,084	)	$	—	$	892
Recognized on derivatives designated as hedging instruments		—		(2,168	)		—		1,084			—		(892	)
Net interest income recognized on cash flows of derivatives designated as hedging instruments		—		1,051			—		1,597			—		1,509
Net income recognized on fair value hedges	$	—	$	1,051		$	—	$	1,597		$	—	$	1,509
Net gain on cash flow hedging relationships:
Interest rate swaps – brokered deposits and borrowings
Realized gains, pre-tax, reclassified from accumulated other comprehensive loss into net income	$	2,072	$	—		$	4,951	$	—		$	5,465	$	—
Net income recognized on cash flow hedges	$	2,072	$	—		$	4,951	$	—		$	5,465	$	—

Offsetting Assets [Table Text Block]

					Net Amounts
			Gross		of Assets
	Gross		Amounts		Presented in		Gross Amounts Not Offset
	Amounts		Offset in the		the		in the Consolidated Balance Sheets
	of		Consolidated		Consolidated				Cash
	Recognized		Balance		Balance		Financial		Collateral
Offsetting of derivative assets	Assets		Sheets		Sheets		Instruments		Received		Net Amount
At December 31, 2025
Interest rate swaps	$	2,269	$	339	$	1,930	$	—	$	—	$	1,930

At December 31, 2024
Interest rate swaps	$	7,844	$	538	$	7,306	$	—	$	740	$	6,566

Offsetting Liabilities [Table Text Block]

Net Amounts

Gross

of Liabilities

Gross

Amounts

Presented in

Amounts

Offset in the

the

Gross Amounts Not Offset

Consolidated

in the Consolidated Balance Sheets

Recognized

Balance

Financial

Cash Collateral

Offsetting of derivative liabilities

Liabilities

Sheets

Instruments

Posted

Net Amount

At December 31, 2025

Interest rate swaps

679

656

—

680

—

Note 2 - Investments

12 Months Ended

Dec. 31, 2025

Investment [Text Block]

NOTE 2 – INVESTMENTS

The following tables present the amortized costs, unrealized gains, unrealized losses, estimated fair values of securities available-for-sale and held-to-maturity, and the ACL on securities available-for-sale and held-to-maturity, at the dates indicated:

	December 31, 2025
								Estimated
	Amortized		Unrealized		Unrealized			Fair
SECURITIES AVAILABLE-FOR-SALE	Cost		Gains		Losses			Values		ACL
U.S. agency securities	$	20,264	$	66	$	(2,203	)	$	18,127	$	—
Corporate securities		16,000		5		(619	)		15,386		—
Municipal bonds		81,156		4		(9,755	)		71,405		—
Mortgage-backed securities		181,849		757		(9,039	)		173,567		—
Asset-backed securities		10,828		1		(647	)		10,182		—
Total securities available-for-sale		310,097		833		(22,263	)		288,667		—

SECURITIES HELD-TO-MATURITY
Corporate securities		31,393		831		(149	)		32,075		277
Municipal bonds		2,108		213		—			2,321		—
Total securities held-to-maturity		33,501		1,044		(149	)		34,396		277

Total securities	$	343,598	$	1,877	$	(22,412	)	$	323,063	$	277

	December 31, 2024
								Estimated
	Amortized		Unrealized		Unrealized			Fair
SECURITIES AVAILABLE-FOR-SALE	Cost		Gains		Losses			Values		ACL
U.S. agency securities	$	20,247	$	45	$	(3,154	)	$	17,138	$	—
Corporate securities		16,000		8		(882	)		15,126		—
Municipal bonds		82,774		—		(12,430	)		70,344		—
Mortgage-backed securities		178,740		415		(11,969	)		167,186		—
Asset-backed securities		12,511		3		(1,133	)		11,381		—
Total securities available-for-sale		310,272		471		(29,568	)		281,175		—

SECURITIES HELD-TO-MATURITY
Corporate securities		8,500		—		(356	)		8,144		45
Total securities held-to-maturity		8,500		—		(356	)		8,144		45

Total securities	$	318,772	$	471	$	(29,924	)	$	289,319	$	45

The following table presents the activity in the ACL on securities held-to-maturity by major security type for the years indicated:

SECURITIES HELD-TO-MATURITY	For the Year Ended December 31,
Corporate Securities	2025		2024		2023
Beginning ACL balance	$	45	$	45	$	31
Provision for credit losses		232		—		14
Total ending ACL balance	$	277	$	45	$	45

Management measures expected credit losses on held-to-maturity debt securities on an individual basis. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The increase in provision during the periods was attributable to increased securities balances. Accrued interest receivable totaled $271,000 and $116,000 on held-to-maturity debt securities and $1.2 million on available-for-sale debt securities for both periods as of December 31, 2025 and 2024, respectively. Accrued interest receivable on securities is reported in “Accrued interest receivable” on the Consolidated Balance Sheets and is excluded from the calculation of the ACL.

The Company monitors the credit quality of debt securities held-to-maturity quarterly using credit rating, material event notices, and changes in market value. The following table summarizes the amortized cost of debt securities held-to-maturity at the dates indicated, aggregated by credit quality indicator:

	December 31,
Corporate securities	2025		2024
BBB	$	29,521	$	8,500
BB		1,872		—
Municipal bonds
A		2,108		—
Total	$	33,501	$	8,500

At December 31, 2025 and 2024, there were no debt securities held-to-maturity that were classified as either nonaccrual or 90 days or more past due and still accruing interest.

The carrying value of securities pledged to secure public deposits totaled $22.8 million and $34.4 million at December 31, 2025 and 2024, respectively. All pledged securities were pledged for the purpose of collateralizing public deposits.

Investment securities that were in an unrealized loss position at the dates indicated are presented in the following tables, based on the length of time individual securities have been in an unrealized loss position.

	December 31, 2025
	Less than 12 Months					12 Months or Longer					Total
SECURITIES AVAILABLE-FOR-SALE	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
U.S. agency securities	$	—	$	—		$	16,061	$	(2,203	)	$	16,061	$	(2,203	)
Corporate securities		3,961		(39	)		8,420		(580	)		12,381		(619	)
Municipal bonds		—		—			70,228		(9,755	)		70,228		(9,755	)
Mortgage-backed securities		35,194		(380	)		64,321		(8,659	)		99,515		(9,039	)
Asset-backed securities		3,047		(25	)		6,644		(622	)		9,691		(647	)
Total securities available-for-sale		42,202		(444	)		165,674		(21,819	)		207,876		(22,263	)

SECURITIES HELD-TO-MATURITY
Corporate securities		6,788		(84	)		935		(65	)		7,723		(149	)
Total securities held-to-maturity		6,788		(84	)		935		(65	)		7,723		(149	)

Total securities	$	48,990	$	(528	)	$	166,609	$	(21,884	)	$	215,599	$	(22,412	)

	December 31, 2024
	Less than 12 Months					12 Months or Longer					Total
SECURITIES AVAILABLE-FOR-SALE	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
U.S. agency securities	$	—	$	—		$	15,093	$	(3,154	)	$	15,093	$	(3,154	)
Corporate securities		6,781		(219	)		5,337		(663	)		12,118		(882	)
Municipal bonds		1,677		(10	)		68,667		(12,420	)		70,344		(12,430	)
Mortgage-backed securities		31,093		(241	)		63,934		(11,728	)		95,027		(11,969	)
Asset-backed securities		3,638		(41	)		7,190		(1,092	)		10,828		(1,133	)
Total securities available-for-sale		43,189		(511	)		160,221		(29,057	)		203,410		(29,568	)

SECURITIES HELD-TO-MATURITY
Corporate securities		—		—			8,144		(356	)		8,144		(356	)
Total securities held-to-maturity		—		—			8,144		(356	)		8,144		(356	)

Total securities	$	43,189	$	(511	)	$	168,365	$	(29,413	)	$	211,554	$	(29,924	)

The unrealized losses associated with these securities are believed to be caused by changing market conditions and considered to be temporary and the Company does not intend, and is not likely to be required, to sell these securities prior to maturity. Management monitors the published credit ratings of the issuers of the debt securities for material ratings or outlook changes. Substantially all the Company’s municipal bond portfolio is comprised of obligations of states and political subdivisions located within the Company’s geographic footprint that are monitored through quarterly or annual financial review utilizing published credit ratings. All the municipal bond securities are investment grade.

All of the available-for-sale mortgage-backed securities and asset-backed securities in an unrealized loss position are issued or guaranteed by government-sponsored enterprises, and the available-for-sale corporate securities are all investment grade and monitored for rating or outlook changes. Based on the Company’s evaluation of these securities, no credit impairment was recorded for the years ended December 31, 2025, 2024 and 2023.

The contractual maturities of securities available-for-sale and held-to-maturity at the dates indicated are listed below. Expected maturities of mortgage-backed securities may differ from contractual maturities because borrowers may have the right to call or prepay the obligations; therefore, these securities are classified separately with no specific maturity date.

	December 31, 2025				December 31, 2024
SECURITIES AVAILABLE-FOR-SALE	Amortized		Fair		Amortized		Fair
U.S. agency securities	Cost		Value		Cost		Value
Due after one year through five years	$	4,976	$	4,785	$	4,962	$	4,575
Due after five years through ten years		15,288		13,342		10,975		9,193
Due after ten years		—		—		4,310		3,370
Subtotal		20,264		18,127		20,247		17,138
Corporate securities
Due within one year		6,000		6,001		—		—
Due after one year through five years		8,000		7,858		11,000		10,766
Due after five years through ten years		2,000		1,527		3,000		2,918
Due after ten years		—		—		2,000		1,442
Subtotal		16,000		15,386		16,000		15,126
Municipal bonds
Due after one year through five years		2,135		2,137		2,186		2,168
Due after five years through ten years		7,080		6,441		4,158		3,728
Due after ten years		71,941		62,827		76,430		64,448
Subtotal		81,156		71,405		82,774		70,344
Mortgage-backed securities
Federal National Mortgage Association (“FNMA”)		82,555		75,492		90,771		80,677
Federal Home Loan Mortgage Corporation (“FHLMC”)		47,170		46,556		48,765		47,773
Government National Mortgage Association (“GNMA”)		52,124		51,519		39,204		38,736
Subtotal		181,849		173,567		178,740		167,186
Asset-backed securities
Due within one year		130		129		203		200
Due after one year through five years		743		730		1,073		1,037
Due after five years through ten years		2,598		2,458		2,867		2,648
Due after ten years		7,357		6,865		8,368		7,496
Subtotal		10,828		10,182		12,511		11,381
Total securities available-for-sale		310,097		288,667		310,272		281,175

SECURITIES HELD-TO-MATURITY
Corporate securities
Due after one year through five years		3,000		2,986		—		—
Due after five years through ten years		26,143		26,839		8,500		8,144
Due after ten years		2,250		2,250		—		—
Subtotal		31,393		32,075		8,500		8,144
Municipal bonds
Due after ten years		2,108		2,321		—		—
Subtotal		2,108		2,321		—		—
Total securities held-to-maturity		33,501		34,396		8,500		8,144
Total securities	$	343,598	$	323,063	$	318,772	$	289,319

There were no sales proceeds, or gains or losses from the sale of securities available-for-sale for the years ended December 31, 2025 and 2023. The proceeds and resulting gains and losses from sales of securities available-for-sale for 2024 were as follows:

	For the Year Ended December 31, 2024
			Gross		Gross
	Proceeds		Gains		(Losses)
Securities available-for-sale	$	101,907	$	215	$	(8,051	)

Note 13 - Regulatory Capital

12 Months Ended

Dec. 31, 2025

Regulatory Capital Requirements under Banking Regulations [Text Block]

NOTE 13 – REGULATORY CAPITAL

The Bank is subject to various regulatory capital requirements administered by the Federal Reserve and the FDIC. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines of the regulatory framework for prompt corrective action, the Bank must meet specific capital adequacy guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital classification is also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Under capital adequacy guidelines of the regulatory framework for prompt corrective action, quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of Tier 1 capital (as defined in the regulations) to total average assets (as defined), and minimum ratios of Tier 1 total capital (as defined) and common equity Tier 1 (“CET 1”) capital to risk-weighted assets (as defined).

The Bank must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage, and CET 1 capital ratios as set forth in the table below to be categorized as “well capitalized”. At December 31, 2025, the Bank was categorized as “well capitalized” under applicable regulatory requirements. There are no conditions or events since that notification that management believes have changed the Bank’s category. Management believes, at December 31, 2025, that the Bank met all capital adequacy requirements.

The following table compares the Bank’s actual capital amounts and ratios to their minimum regulatory capital requirements and well capitalized regulatory capital at the dates indicated:

																To be Well Capitalized
											For Capital					Under Prompt
						For Capital					Adequacy With					Corrective
	Actual					Adequacy Purposes					Capital Buffer					Action Provisions
Bank Only	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
At December 31, 2025
Total risk-based capital (to risk-weighted assets)	$	385,215		13.96	%	$	220,788		8.00	%	$	289,785		10.50	%	$	275,986		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)	$	351,232		12.73	%	$	165,591		6.00	%	$	234,588		8.50	%	$	220,788		8.00	%
Tier 1 leverage capital (to average assets)	$	351,232		10.96	%	$	128,160		4.00	%	$	N/A		N/A		$	160,200		5.00	%
CET 1 capital (to risk-weighted assets)	$	351,232		12.73	%	$	124,194		4.50	%	$	193,190		7.00	%	$	179,391		6.50	%

At December 31, 2024
Total risk-based capital (to risk-weighted assets)	$	368,953		14.18	%	$	208,174		8.00	%	$	273,228		10.50	%	$	260,218		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)	$	336,416		12.93	%	$	156,131		6.00	%	$	221,185		8.50	%	$	208,174		8.00	%
Tier 1 leverage capital (to average assets)	$	336,416		11.24	%	$	119,741		4.00	%	$	N/A		N/A		$	149,676		5.00	%
CET 1 capital (to risk-weighted assets)	$	336,416		12.93	%	$	117,098		4.50	%	$	182,152		7.00	%	$	169,141		6.50	%

In addition to the minimum CET 1, Tier 1, total capital, and leverage ratios, the Bank is required to maintain a capital conservation buffer consisting of additional CET 1 capital greater than 2.5% of risk-weighted assets above the required minimum capital levels. Failure to maintain the required buffer could result in limitations on the Bank's ability to pay dividends, repurchase shares, and pay discretionary bonuses, based on specified percentages of eligible retained income. At December 31, 2025, the Bank’s capital exceeded the conservation buffer.

As a bank holding company registered with the Federal Reserve, the Company is subject to capital adequacy requirements of the Federal Reserve. Bank holding companies with $3.0 billion or more in assets must comply with the Federal Reserve’s capital regulations, which are generally the same as the capital regulations applicable to the Bank. The Federal Reserve has a policy requiring a bank holding company to serve as a source of financial and managerial strength to the holding company’s subsidiary bank and the Federal Reserve expects the holding company’s subsidiary bank to be well capitalized under the prompt corrective action regulations.

Under Federal Reserve regulations, a bank holding company is considered a small bank holding company if its total consolidated assets are below $3.0 billion as of June 30 of a given year. The Company's total consolidated assets exceeded $3.0 billion as of June 30, 2025, and therefore, the Company did not qualify as a small bank holding company for regulatory purposes for the 2025 calendar year. As a result, the Company is subject to all regulatory requirements applicable to larger bank holding companies, including enhanced reporting, capital, and governance standards.

The following table presents the Company's regulatory capital ratios at the dates indicated:

	At December 31,
Company Only	2025			2024
Total risk-based capital (to risk-weighted assets)		14.25	%		14.53	%
Tier 1 risk-based capital (to risk-weighted assets)		11.21	%		11.36	%
Tier 1 leverage capital (to average assets)		9.66	%		9.87	%
CET 1 capital (to risk-weighted assets)		11.21	%		11.36	%

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

Note 18 - Stock-based Compensation

12 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Text Block]

NOTE 18 – STOCK-BASED COMPENSATION

Stock Options and Restricted Stock

On May 17, 2018, the shareholders of FS Bancorp approved the 2018 Equity Incentive Plan (the “2018 Plan”) that authorized 1.3 million shares of the Company’s common stock to be awarded. The 2018 Plan provides for the grant of incentive stock options, non-qualified stock options, and up to 326,000 shares as restricted stock awards (“RSAs”) to directors, emeritus directors, officers, employees or advisory directors of the Company. At December 31, 2025, there were 52,060 stock option awards and 500 RSAs available for future grants under the 2018 Plan.

Total share-based compensation expense was $2.3 million, $1.8 million, and $2.0 million, for the years ended December 31, 2025, 2024 and 2023, respectively. The related income tax benefit was $473,000, $379,000, and $422,000 for the years ended December 31, 2025, 2024 and 2023, respectively.

Stock-based compensation awards are settled by issuing new shares from the Company’s pool of authorized but unissued common stock, and the Company does not use previously repurchased treasury shares for this purpose.

Stock Options

The 2018 Plan provides for the grant of stock option awards that may be designated as either incentive stock options or nonqualified stock options. Stock option awards generally vest over a one-year period for non-employee directors, and over a four- or five-year period for employees and officers with annual vesting in equal installments on the anniversary date of each grant date provided the award recipient remains in continuous service with the Company. Options become exercisable after vesting and remain exercisable for the remaining term of the original grant, subject to a maximum term of 10 years. Any unexercised stock options expire 10 years after the grant date, or earlier upon the termination of the recipient's service with the Company or the Bank. The fair value of each stock option award is estimated on the grant date using a Black-Scholes Option pricing model which incorporates the following assumptions.

	December 31,
	2025			2024			2023
Dividend yield		2.79	%		2.57	%		3.25	%
Expected volatility		38.45	%		29.55	%		28.24	%
Risk-free interest rate		3.98	%		3.82	%		4.35	%
Expected term in years		6.2			6.3			6.5
Weighted-average grant date fair value per option granted	$	13.21		$	11.36		$	7.61

The dividend yield is based on the current quarterly dividend in effect at the time of the grant. The historical volatility of the Company's stock price over a specified period of time is used for the expected volatility. The Company bases the risk-free interest rate on the comparable U.S. Treasury rate for the discount rate associated with the stock in effect on the date of the grant. The Company elected to use Staff Accounting Bulletin 107, simplified expected term calculation for the “Share-Based Payments” method permitted by the SEC to calculate the expected term. This method uses the vesting term of an option along with the contractual term, setting the expected life at 5.5 years for one-year vesting, 6.25 years for four-year vesting, and 6.5 years for five-year vesting.

The following table presents a summary of the Company’s stock option awards during the years indicated (shown as actual).

	Shares		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Term In Years		Aggregate Value
Outstanding at January 1, 2023		647,832	$	26.67		6.84	$	4,627,255
Granted		103,000		30.73		—		—
Less exercised		47,734		10.17		—		970,064
Less Forfeited or expired		40,819		32.96		—		—
Outstanding at December 31, 2023		662,279	$	28.12		6.69	$	5,852,975

Outstanding at January 1, 2024		662,279	$	28.12		6.69	$	5,852,975
Granted		75,100		41.98		9.62		—
Less exercised		187,478		23.69		—		3,916,425
Less forfeited		12,000		30.73		—		—
Outstanding at December 31, 2024		537,901	$	31.55		6.75	$	5,187,207

Outstanding at January 1, 2025		537,901	$	31.55		6.75	$	5,187,207
Granted		138,372		40.14		9.62		—
Less exercised		17,650		27.25		—		237,460
Outstanding at December 31, 2025		658,623	$	33.47		6.63	$	5,134,992

Expected to vest, assuming a 0.31% annual forfeiture rate at, December 31, 2025 ⁽¹⁾		643,150	$	33.35		6.58		5,087,730

Exercisable at December 31, 2025		371,448	$	30.28		5.16	$	4,065,004

___________________________

(1)	Forfeiture rate has been calculated and estimated, based on historical employment data, to assume a forfeiture of 3.1% of the options over 10 years.

At December 31, 2025, there was $2.8 million of total unrecognized compensation cost related to nonvested stock options granted under the 2018 Plan. The cost is expected to be recognized over the remaining weighted-average vesting period of 1.8 years.

Restricted Stock Awards

The RSAs fair value is equal to the value of the market price of FS Bancorp's common stock on the grant date. Compensation expense is recognized over the vesting period of the awards based on the fair value of the restricted stock. Shares granted under the 2018 Plan generally vest over a four- or five-year period for employees and officers, beginning on the grant date, and over a one-year period for non-employee directors, with vesting occurring at the end of the one-year period. Any nonvested RSAs are forfeited upon the award recipient's termination of service with the Company or the Bank.

The following table presents a summary of the Company’s nonvested awards during the years indicated (shown as actual).

Nonvested Shares	Shares			Weighted-Average Grant-Date Fair Value Per Share
Nonvested at January 1, 2023		118,530		$	28.85
Granted		37,600			30.73
Less vested		(44,462	)		28.24
Less forfeited or expired		(9,524	)		30.96
Nonvested at December 31, 2023		102,144		$	29.61

Nonvested at January 1, 2024		102,144		$	29.61
Granted		42,250			41.98
Less vested		(37,331	)		28.46
Less forfeited or expired		(4,000	)		30.73
Nonvested at December 31, 2024		103,063		$	35.05

Nonvested at January 1, 2025		103,063		$	35.05
Granted		37,872			40.14
Less vested		(37,964	)		32.88
Nonvested at December 31, 2025		102,971		$	37.73

At December 31, 2025, there was $3.4 million of total unrecognized compensation costs related to nonvested shares granted under the 2018 Plan as RSAs. The cost is expected to be recognized over the remaining weighted-average vesting period of 1.8 years.

Note 10 - Income Taxes (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

	For the Year Ending December 31,
Provision for income taxes	2025			2024			2023
Current federal income tax expense	$	7,699		$	8,244		$	9,685
Current state and local income tax expense		369			336			227
Deferred federal income tax benefit		(278	)		(1,965	)		(677	)
Deferred state and local income tax benefit		(16	)		(58	)		(16	)
Total provision for income taxes	$	7,774		$	6,557		$	9,219

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]

	December 31,
	2025					2024					2023
Pre-tax income - domestic	$	41,120				$	41,581				$	45,272
Pre-tax income - foreign		—					—					—
Total pre-tax income	$	41,120				$	41,581				$	45,272

Effective tax rate
US federal statutory tax rate	$	8,635		21.0	%	$	8,732		21.0	%	$	9,507		21.0	%
State and local income taxes, net of federal income tax effect		279		0.7			219		0.5			166		0.4
Foreign tax effects		—		—			—		—			—		—
Effect of changes in tax laws or rates enacted in the current period		—		—			—		—			—		—
Effect of cross-border tax laws		—		—			—		—			—		—
Tax credits
Purchased income tax credits		(660	)	(1.6	)		(2,277	)	(5.5	)		—		—
Other		(150	)	(0.3	)		(93	)	(0.2	)		(60	)	(0.1	)
Changes in valuation allowance		—		—			—		—			—		—
Nontaxable or nondeductible items
Excess executive compensation		104		0.3			560		1.3			52		0.1
Bank owned life insurance		(470	)	(1.1	)		(223	)	(0.5	)		(193	)	(0.4	)
Other		183		0.3			204		0.5			25		0.1
Changes in unrecognized tax benefits		—		—			—		—			—		—
Other
Stock-based compensation (windfalls) / shortfalls		(64	)	(0.2	)		(631	)	(1.5	)		(208	)	(0.5	)
Other		(83	)	(0.2	)		66		0.2			(70	)	(0.2	)
Effective tax rate	$	7,774		18.9	%	$	6,557		15.8	%	$	9,219		20.4	%

Statement of Cash Flows - Cash income taxes paid net of refunds
Federal	$	200				$	2,060				$	10,100
State
Oregon	$	(18	)			$	305				$	165
Other		2					(29	)				101
Foreign		—					—					—

Cash paid for transferred tax credits
Federal	$	7,587				$	26,008				$	—
Oregon		209					209					—

Schedule of Deferred Tax Assets and Liabilities [Table Text Block]

	December 31,
Deferred Tax Assets	2025			2024
ACL on loans	$	6,743		$	6,859
Non-accrued loan interest		65			42
Restricted stock awards		75			105
Non-qualified stock options		692			489
Lease liability		1,269			1,194
Securities available-for-sale		4,607			6,256
ACL on unfunded commitments		381			302
Other		132			36
Purchase accounting adjustments		835			481
Total deferred tax assets		14,799			15,764
Deferred Tax Liabilities
Loan origination costs		(2,565	)		(2,513	)
MSRs		(1,856	)		(1,960	)
Stock dividend - FHLB stock		(7	)		—
Property, plant, and equipment		(1,859	)		(1,515	)
Lease right-of-use assets		(1,247	)		(1,156	)
Interest rate swaps designated as cash flow hedge		(272	)		(1,561	)
Total deferred tax liabilities		(7,806	)		(8,705	)
Net deferred tax assets	$	6,993		$	7,059

Significant Accounting Policies (Policies)	12 Months Ended
Significant Accounting Policies (Policies)	Dec. 31, 2025
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	*Financial Statement Presentation* – The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“U.S. GAAP”) and with prevailing practices within the banking and securities industries. In preparing such financial statements, management is required to make certain estimates and judgments that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses, fair value of financial instruments, and, if needed, valuation of deferred tax assets. Amounts presented in the consolidated financial statements and footnote tables are rounded and presented to the nearest thousands of dollars except per share amounts. If the amounts are above $1.0 million, they are rounded one decimal point, and if they are above $1.0 billion, they are rounded two decimal points. Certain prior-year amounts have been reclassified to conform to the current-year presentation. These reclassifications had no effect on previously reported net income, comprehensive income, total assets, total liabilities, shareholders’ equity, or net cash provided by operating, investing, or financing activities.
Consolidation, Policy [Policy Text Block]	*Principles of Consolidation* – The consolidated financial statements include the accounts of FS Bancorp and its wholly owned subsidiary, 1st Security Bank. All material intercompany accounts have been eliminated in consolidation.
Segment Reporting, Policy [Policy Text Block]	*Segment Reporting* – The Company operates in two business segments through the Bank: commercial and consumer banking and home lending. The Company’s business segments are determined based on the products and services provided, as well as the nature of the related business activities, and they reflect the way financial information is regularly reviewed for the purpose of allocating resources and evaluating performance of the Company’s businesses. The results for these business segments are based on management’s accounting process, which assigns income statement items and assets to each responsible operating segment. This process is dynamic and is based on management’s view of the Company’s operations. See “Note 19 – Business Segments.”
Subsequent Events, Policy [Policy Text Block]	*Subsequent Events* – On February 25, 2026, FS Bancorp, Inc. announced the signing of a definitive merger agreement whereby the Company will acquire Pacific West Bancorp (“Pacific West”) in a stock and cash transaction valued at approximately $34.6 million. The transaction is subject to customary closing conditions, including the receipt of regulatory approvals and approval of the agreement by the shareholders of Pacific West. See “Note 22 – Definitive Agreement.”
Cash and Cash Equivalents, Policy [Policy Text Block]	*Cash and Cash Equivalents* – Cash and cash equivalents include cash and due from banks, and interest-bearing balances due from other banks and the Federal Reserve Bank of San Francisco (“FRB”) and have an original maturity of 90 days or less at the time of purchase. At times, cash balances may exceed FDIC insured limits. At December 31, 2025 and 2024, the Company had $1.7 million and $41,000, respectively, of cash and due from banks and interest-bearing deposits at other financial institutions in excess of FDIC insured limits.
Marketable Securities, Policy [Policy Text Block]	*Securities* – Securities are classified as held-to-maturity when the Company has the ability and positive intent to hold them to maturity. Securities classified as held-to-maturity are carried at cost, adjusted for amortization of premiums to the earliest callable date and accretion of discounts to the maturity date and, if appropriate, any credit impairment losses. Securities available-for-sale consist of debt securities that the Company has the intent and ability to hold for an indefinite period, but not necessarily to maturity. Such securities may be sold to implement the Company’s asset/liability management strategies and in response to changes in interest rates and similar factors. Securities available-for-sale are reported at fair value. Realized gains and losses on securities available-for-sale, determined using the specific identification method, are included in results of operations. Amortization of premiums and accretion of discounts are recognized as adjustments to yield over the contractual lives of the related securities with the exception of premiums for non-contingently callable debt securities which are amortized to the earliest call date, rather than the contractual maturity date. Dividends and interest income are recognized when earned.
Investment, Policy [Policy Text Block]	*Federal Home Loan Bank Stock* – The Bank’s investment in FHLB stock is carried at cost, which approximates fair value. As a member of the FHLB system, the Bank is required to maintain an investment in capital stock of the FHLB. The Bank’s required minimum level of investment in FHLB stock is based on specific percentages of its outstanding mortgages, total assets, or FHLB advances. At December 31, 2025 and 2024, the Bank’s investment in FHLB stock was $8.0 million and $15.6 million, respectively. The Bank was in compliance with the FHLB minimum investment requirement at December 31, 2025 and 2024. Management evaluates FHLB stock for impairment annually. Management’s determination of whether these investments are impaired is based on its assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as (1) the significance of any decline in net assets of the FHLB as compared with the capital stock amount for the FHLB and the length of time this situation has persisted; (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB; (3) the impact of legislative and regulatory changes on institutions and, accordingly, the customer base of the FHLB; and (4) the liquidity position of the FHLB. Based on its evaluation, management determined that there was no impairment of FHLB stock for the years ended December 31, 2025, 2024 and 2023.
Financing Receivable, Held-for-Sale [Policy Text Block]	*Loans Held for Sale* – The Bank records all mortgage loans held for sale at fair value. Fair value is determined by outstanding commitments from investors or current investor yield requirements calculated on the aggregate loan basis. Gains and losses on fair value changes of loans held for sale are recorded in the gain on sale of loans component of noninterest income. Origination fees and costs are recognized in earnings at the time of origination. Mortgage loans held for sale are sold with the mortgage service rights either released or retained by the Bank. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold. All sales are made with limited recourse against the Company.
Derivatives, Policy [Policy Text Block]	*Mortgage Banking Derivatives* – Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments to fund the loans. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are reported in “Gain on sale of loans” on the Consolidated Statements of Income.
Derivatives, Methods of Accounting, Hedging Derivatives [Policy Text Block]	*Cash Flow and Fair Value Hedges* – The Bank designates certain interest rate swaps as cash flow hedges of the variability in cash flows associated with borrowings and other variable-rate funding instruments. For derivatives designated and qualifying as cash flow hedges, the effective portion of changes in fair value is recorded in accumulated other comprehensive income (loss) (“AOCI”) and subsequently reclassified into earnings in the same period in which the hedged forecasted cash flows affect earnings, generally as an adjustment to interest expense. The ineffective portion of changes in fair value, if any, is recognized immediately in earnings. Amounts recorded in AOCI are reclassified to interest expense as the hedged cash flows are realized. If it becomes probable that a forecasted hedged transaction will not occur, any related amounts included in AOCI are reclassified immediately into earnings. The Bank may designate certain derivatives as fair value hedges of changes in the fair value of fixed-rate financial instruments attributable to changes in benchmark interest rates. For derivatives designated and qualifying as fair value hedges, changes in the fair value of both the derivative and the hedged item attributable to the hedged risk are recognized in current-period earnings. The carrying amount of the hedged item is adjusted for the change in fair value attributable to the hedged risk, and this basis adjustment is amortized to earnings over the remaining life of the hedged instrument using the effective interest method. The Bank may terminate derivative instruments or dedesignate hedging relationships prior to maturity as part of its ongoing interest rate risk management. Upon termination or dedesignation of a cash flow hedge, the derivative is no longer designated as a hedging instrument and subsequent changes in fair value are recognized in earnings. Amounts previously recorded in AOCI related to the terminated cash flow hedge remain in AOCI and are reclassified into earnings over the remaining original hedged forecasted period, unless it becomes probable that the forecasted transaction will not occur, in which case such amounts are recognized immediately in earnings. Upon termination of a fair value hedge, hedge accounting is discontinued and the cumulative fair value adjustment to the carrying amount of the hedged item is amortized to earnings over the remaining contractual life of the hedged instrument.
Financing Receivable [Policy Text Block]	*Loans Receivable* – Loans receivable, are stated at amortized cost. Interest on loans is calculated using the simple interest method based on the daily balance of the principal amount outstanding and is credited to income as earned. Loan fees, net of direct origination costs, are deferred and amortized over the life of the loan using the effective yield method. If the loan is repaid prior to maturity, the remaining unamortized net deferred loan origination fee is recognized in income at the time of repayment. *Income Recognition on Nonaccrual Loans and Securities* – Interest on loans is accrued daily based on the principal amount outstanding. Generally, the accrual of interest on loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due or when they are past due 90 days as to either principal or interest (based on contractual terms), unless they are well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off are reversed against interest income. Subsequent collections on a cash basis are applied proportionately to past due principal and interest, unless collectability of principal is in doubt, in which case all payments are applied to principal. Loans are returned to accrual status when the loan is performing according to its contractual terms for at least six months and the collectability of principal and interest is no longer doubtful. While less common, similar interest reversal and nonaccrual treatment is applied to investment securities if their ultimate collectability becomes questionable.
Credit Loss, Financial Instrument [Policy Text Block]	*Allowance for Credit Losses on Held-to-Maturity Securities –* Management measures expected credit losses on held-to-maturity securities by individual security. Accrued interest receivable on held-to-maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers credit ratings and historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. *Allowance for Credit Losses on Available-for-Sale Securities –* For available-for-sale securities in an unrealized loss position, management first assesses whether it intends to sell or is more likely than not to be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Changes in the ACL are recorded as a provision for (recovery of) credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securities is not included in the estimate of credit losses. *Allowance for Credit Losses on Loans –* The ACL on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectability of a loan balance is confirmed and recoveries are credited to the allowance when received. In the case of recoveries, amounts may not exceed the aggregate of amounts previously charged off. Management utilizes relevant available information, from internal and external sources, relating to past events, current conditions, historical loss experience, and reasonable and supportable forecasts. The lookback period in the analysis includes historical data from 2009 to present. Adjustments to historical loss information are made when management determines historical data is not likely reflective of the current portfolio such as limited data sets or lack of default or loss history. Management may selectively apply external market data to subjectively adjust the Company’s own loss history including index or peer data. Accrued interest receivable is excluded from the estimate of credit losses on loans. *Collective Assessment –* The ACL on loans is measured on a collective cohort basis when similar risk characteristics exist. Generally, collectively assessed loans are grouped by call report code and then risk-grade grouping. Risk grade is grouped within each call report code by pass, watch, special mention, substandard, and doubtful. Other loan types are separated into their own cohorts due to specific risk characteristics for that pool of loans. The Company has elected a non-discounted cash flow methodology with probability of default (“PD”) and loss given default (“LGD”) for all call report code cohorts (“cohorts”), with the exception of the indirect and marine portfolios which are evaluated under a vintage methodology. The vintage methodology measures the expected loss calculation for future periods based on historical performance by the origination period of loans with similar life cycles and risk characteristics. Guaranteed portions of loans are measured with zero risk due to cash collateral and full guaranty. The PD calculation looks at the historical loan portfolio at particular points in time (each month during the lookback period) to determine the probability that loans in a certain cohort will default over the next 12-month period. A default is defined as a loan that has moved to past due 90 days and greater, nonaccrual status, or experienced a charge-off during the period. In cohorts where the Company’s historical data is insufficient due to a minimal amount of default activity or zero defaults, management uses index PDs comprised of rates derived from the PD experience of other community banks in place of the Company’s historical PDs. Additionally, management reviews all other cohorts to determine if index PDs should be used outside of these criteria. The LGD calculation looks at actual losses (net charge-offs) experienced over the entire lookback period for each cohort of loans. The aggregate loss amount is divided by the exposure at default to determine an LGD rate. All defaults (non-accrual, charge-off, or greater than 90 days past due) occurring during the lookback period are included in the denominator, whether a loss occurred or not and exposure at default is determined by the loan balance immediately preceding the default event (i.e., nonaccrual or charge-off). Due to very limited charge-off history, management uses index LGDs comprised of rates derived from the LGD experience of other community banks in place of the Company’s historical LGDs. The Company utilizes reasonable and supportable forecasts of future economic conditions when estimating the ACL on loans. The calculation includes a 12-month PD forecast based on the Company’s regression model comparing peer nonperforming loan ratios to the national unemployment rate. After the forecast period, PD rates revert on a straight-line basis back to long-term historical average rates over a 12-month period. Due to very limited default history, management uses index PDs comprised of rates derived from the PD experience of other community banks in place of the Company’s historical PDs. The Company recognizes that all significant factors that affect the collectability of the loan portfolio must be considered to determine the estimated credit losses as of the evaluation date. Furthermore, the methodology, in and of itself and even when selectively adjusted by comparison to market and peer data, does not provide a sufficient basis to determine the estimated credit losses. The Company adjusts the modeled historical losses by qualitative and environmental adjustments to incorporate all significant risks to form a sufficient basis to estimate the credit losses. *Individual Assessment –* Loans that do not share similar risk characteristics with other loans in the portfolio are individually evaluated for expected credit losses. These loans typically include nonaccrual loans and other loans for which credit deterioration is evident and repayment is expected to be provided substantially through the operation or sale of collateral. Expected credit losses on individually evaluated loans are measured based on the present value of expected future cash flows, the observable market price of the loan, or, for collateral-dependent loans, the fair value of the underlying collateral, less estimated costs to sell, as applicable. *Determining the Contractual Term –* Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications. Prepayment assumptions will be determined by analysis of historical behavior by loan cohort. *Allowance for Credit Losses on Unfunded Commitments –* The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit. The ACL on unfunded commitments is adjusted through a provision for (recovery of) credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The estimate utilizes the same factors and assumptions as the ACL on loans and is applied at the same collective cohort level.
Property, Plant and Equipment, Policy [Policy Text Block]	*Premises and Equipment, Net* – Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. The estimated useful lives used to compute depreciation include building and building improvements up to 25 years and furniture, fixtures, and equipment from three to 10 years. Leasehold and tenant improvements are amortized using the straight-line method over the lesser of useful life or the life of the related lease. Gains or losses on dispositions are reflected on the Consolidated Statements of Income. Management reviews buildings, improvements and equipment for impairment on an annual basis or whenever events or changes in the circumstances indicate that the undiscounted cash flows for the property are less than its carrying value. If identified, an impairment loss is recognized through a charge to earnings based on the fair value of the property.
Lessee, Leases [Policy Text Block]	*Right of Use (“ROU”) Lease Asset & Lease Liability* – The Company leases retail space, office space, storage space, and equipment under operating leases. Most leases require the Company to pay real estate taxes, maintenance, insurance and other similar costs in addition to the base rent. Certain leases also contain lease incentives, such as tenant improvement allowances and rent abatement. Variable lease payments are recognized as lease expense as they are incurred. The Company records an operating lease ROU asset and an operating lease liability for operating leases with a lease term greater than 12 months. ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As most of the Company’s leases do not provide an implicit rate, the Company generally uses its incremental borrowing rate based on the estimated rate of interest for collateralized borrowing over a similar term of the lease payments at commencement date. Many of the Company’s leases contain various provisions for increases in rental rates, based either on changes in the published Consumer Price Index or a predetermined escalation schedule, which are factored into our determination of lease payments when appropriate. Substantially all the leases provide the Company with the option to extend the lease term one or more times following expiration of the initial term. The ROU asset and lease liability terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.
Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Policy [Policy Text Block]	*Transfers of Financial Assets* – Transfers of an entire financial asset, a group of entire financial assets, or participating interest in an entire financial asset are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Mortgage Banking Activity [Policy Text Block]	*Mortgage Servicing Rights* – Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets. Generally, purchased MSRs are capitalized at the cost to acquire the rights. For sales of mortgage loans, a portion of the cost of originating the loan is allocated to the MSRs based on relative fair value. Fair value is based on market prices for comparable MSR contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds, and default rates and losses. Servicing assets are evaluated quarterly for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type, and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the capitalized amount for the tranche. If the Company later determines that all or a portion of the impairment no longer exists for a particular tranche, a reduction of the allowance may be recorded as a recovery and an increase to income. Capitalized MSRs are stated separately on the Consolidated Balance Sheets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets.
Impairment or Disposal of Long-Lived Assets, Policy [Policy Text Block]	*Long-Lived Assets Held for Sale* – Long-lived assets, typically premises and equipment, are classified as held for sale when management commits to a plan to sell the asset, the asset is available for immediate sale in its present condition, an active program to locate a buyer has been initiated, the sale is probable and expected to be completed within one year, and the asset is being actively marketed at a price that is reasonable in relation to its current fair value. Assets classified as held for sale are measured at the lower of their carrying amount or fair value less estimated costs to sell and are not depreciated once classified as held for sale. Any resulting write-down to fair value less estimated cost to sell is recognized in noninterest expense in the period in which the held-for-sale criteria are met.
Income Tax, Policy [Policy Text Block]	*Income Taxes* – The Company files a consolidated federal income tax return. Income taxes are reflected in the Company’s consolidated financial statements to show the tax effects of the operations and transactions reported in the consolidated financial statements and consist of taxes currently payable plus deferred taxes. ASC 740, “Accounting for Income Taxes,” requires the asset and liability approach for financial accounting and reporting for deferred income taxes. Deferred tax assets and liabilities result from temporary differences between the financial statement carrying amounts and the tax bases of assets and liabilities. They are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled and are determined using the assets and liability method of accounting. The deferred income tax provision represents the difference between net deferred tax asset/liability at the beginning and end of the reported period. In formulating the deferred tax asset, the Company is required to estimate income and taxes in the jurisdiction in which the Company operates. This process involves estimating the actual current tax exposure for the reported period together with assessing temporary differences resulting from differing treatment of items, such as depreciation and the provision for credit losses, for tax and financial reporting purposes. The Company follows the authoritative guidance issued related to accounting for uncertainty in income taxes. The guidance prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. It is the Company’s policy to record any penalties or interest arising from federal or state taxes as a component of income tax expense.
Earnings Per Share, Policy [Policy Text Block]	*Earnings Per Share (“EPS”) – Basic and diluted EPS are computed using the two-class method, which is an earnings allocation method for computing earnings per share that treats a participating security as having rights to earnings that would otherwise have been available to common shareholders. Basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Unvested share-based awards containing non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of earnings per share pursuant to the two*-class method. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity.
Comprehensive Income, Policy [Policy Text Block]	*Comprehensive Income (Loss)* – Comprehensive income (loss) is comprised of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized holding gains and losses on securities available-for-sale, net of tax and unrealized holding gains (losses) on derivatives designated as cash flow hedges, net of tax recorded directly to equity.
Fair Value of Financial Instruments, Policy [Policy Text Block]	*Financial Instruments* – In the ordinary course of business, the Company has entered into agreements for off-balance-sheet financial instruments consisting of commitments to extend credit and stand-by letters of credit. Such financial instruments are recorded in the financial statements when they are funded or related fees are incurred or received.
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	*Restricted Assets* – Regulations of the Board of Governors of the Federal Reserve System (“Federal Reserve”) require that the Bank maintain reserves in the form of cash on hand and deposit balances with the FRB, based on a percentage of deposits. However, the Federal Reserve reduced reserve requirement ratios to zero percent effective March 26, 2020, and as a result, the Bank was not required to maintain reserve balances at December 31, 2025 or December 31, 2024.
Advertising Cost [Policy Text Block]	*Marketing and Advertising Costs* – The Company records marketing and advertising costs as expenses as they are incurred. Total marketing and advertising expense was $1.3 million for each of the years ended December 31, 2025, 2024 and 2023.
Share-Based Payment Arrangement [Policy Text Block]	*Share-Based Compensation* – Compensation cost is recognized for stock options and restricted stock awards, based on the fair value of these awards at the grant date. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the grant date is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]	*Goodwill* – Goodwill is recorded upon completion of a business combination as the difference between the purchase price and the fair value of net identifiable assets acquired. The Company completes its annual review of goodwill during the fourth quarter of each fiscal year. We have determined our goodwill balance is all related to a single reporting unit. An assessment of qualitative factors is completed to determine if it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If the qualitative analysis concludes that further analysis is required, then a quantitative impairment test would be completed. The quantitative goodwill impairment test is used to identify the existence of impairment and the amount of impairment loss and compares the reporting unit’s estimated fair value, including goodwill, to its carrying amount. If the fair value exceeds the carrying amount, then goodwill is not considered impaired. If the carrying amount exceeds its fair value, an impairment loss would be recognized equal to the amount of excess, limited to the amount of total goodwill allocated to that reporting unit. There was no goodwill impairment for the years ended December 31, 2025, 2024 and 2023.
Bank Owned Life Insurance [Policy Text Block]	Bank Owned Life Insurance – The Bank has purchased life insurance policies on certain key executives. Company owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. As a result of current tax law and the nature of these policies, the Bank records any increase in cash value of these policies as nontaxable noninterest income. If the Bank decided to surrender any of the policies prior to the death of the insured, such surrender may result in tax expense related to the life-to-date cumulative increase in cash value of the policy. If the Bank retains such policies until the death of the insured, the Bank will receive nontaxable proceeds from the insurance company equal to the death benefit of the policies.
Business Combination [Policy Text Block]	*Acquired Loans* – Establishing the fair value of acquired loans involves a significant amount of judgement, including determining the credit discount based upon historical data adjusted for current economic conditions and other factors. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated or purchased non-credit-deteriorated. Purchased credit-deteriorated (“PCD”) loans have experienced more than insignificant credit deterioration since origination. For PCD loans, an allowance for credit losses is determined at the acquisition date using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The loan’s fair value is grossed up for the allowance for credit losses and becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through a provision for credit losses. For purchased non-credit-deteriorated loans, the difference between the fair value and unpaid principal balance of the loan at the acquisition date is amortized or accreted to interest income over the life of the loan. While credit discounts are included in the determination of the fair value for non-credit-deteriorated loans, since these discounts are expected to be accreted over the life of the loans, they cannot be used to offset the allowance for credit losses that must be recorded at the acquisition date. As a result, an allowance for credit losses is determined at the acquisition date using the same methodology as other loans held for investment and is recognized as a provision for credit losses in the Consolidated Statement of Income. Any subsequent deterioration (improvement) in credit quality is recognized by recording a provision for (reversal of) credit losses.
New Accounting Pronouncements, Policy [Policy Text Block]	Application of New Accounting Guidance in 2025 In December 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which requires enhanced disclosures regarding the effective tax rate reconciliation and income taxes paid, including disaggregation by jurisdiction and additional qualitative information. The guidance is effective for public business entities for annual periods beginning after December 15, 2024. The Company adopted the guidance on January 1, 2025 on a prospective basis. The adoption did not impact the Company’s consolidated financial position, results of operations, or cash flows, and resulted only in additional income tax disclosures. RECENT ACCOUNTING PRONOUNCEMENTS In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments incorporate into the Accounting Standards Codification certain disclosure and presentation requirements currently included in SEC regulations. Each amendment will become effective prospectively upon the SEC’s removal of the related disclosure requirement from its rules. The Company is currently evaluating the impact of ASU 2023-06 and does not expect the adoption to have a material effect on its consolidated financial statements. In January 2025, the FASB issued guidance within ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. The amendment in this ASU amends the effective date of ASU 2024-03 to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027. Early adoption of ASU 2024-03 is permitted. The Company is currently evaluating the impact of this ASU but does not expect it to have a material effect on its consolidated financial statements. In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans, which expands and clarifies acquisition-date accounting for certain purchased loans under CECL, including use of a gross-up approach for specified acquired loans. This ASU is effective for annual reporting periods beginning after December 15, 2026, and interim periods within those fiscal years, with early adoption permitted. The Company is currently evaluating the impact of this ASU on its accounting for acquired loans and related disclosures. In December 2025, the FASB issued guidance within ASU 2025-11, Interim Reporting. The ASU intends to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides “interim financial statements and notes in accordance with GAAP.” The ASU is effective for interim periods in fiscal years beginning after December 15, 2027 for public business entities, with a one-year deferral for all other entities. Early adoption is permitted for all entities. The Company is currently evaluating the impact of this ASU but does not expect it to have a material effect on its consolidated financial statements.

Note 6 - Leases (Tables)

12 Months Ended

Dec. 31, 2025

Lease, Cost [Table Text Block]

	For the Year Ended December 31,
Lease cost:	2025		2024		2023
Operating lease cost	$	1,869	$	1,896	$	1,837
Short-term lease cost		28		10		19
Total lease cost	$	1,897	$	1,906	$	1,856

Lessee, Operating Lease, Supplemental Cash Flow Information [Table Text Block]

	At or For the Year Ended December 31,
Cash paid for amounts included in the measurement of lease liabilities:	2025			2024
Operating cash flows from operating leases	$	1,900		$	1,950
Weighted average remaining lease term- operating leases (in years)		5.0			3.5
Weighted average discount rate- operating leases		3.84	%		3.14	%

Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]

2026	$	1,986
2027		1,729
2028		1,110
2029		947
2030		678
Thereafter		1,254
Total lease payments		7,704
Less imputed interest		(1,815	)
Total	$	5,889

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans (Tables)

12 Months Ended

Dec. 31, 2025

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

	December 31,
	2025			2024
COMMERCIAL REAL ESTATE ("CRE") LOANS
CRE owner occupied	$	176,078		$	170,396
CRE non-owner occupied		177,113			174,921
Commercial and speculative construction and development		354,130			280,798
Multi-family		262,150			245,222
Total CRE loans		969,471			871,337
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		628,761			617,322
Home equity		88,271			75,147
Residential custom construction		42,329			49,902
Total residential real estate		759,361			742,371
CONSUMER LOANS
Indirect home improvement		525,842			541,946
Marine		68,115			74,931
Other consumer		3,029			3,304
Total consumer loans		596,986			620,181
COMMERCIAL BUSINESS LOANS
Commercial and industrial (“C&I”)		301,111			287,014
Warehouse lending		28,180			12,918
Total commercial business loans		329,291			299,932
Total loans receivable, gross		2,655,109			2,533,821
ACL on loans		(31,937	)		(31,870	)
Total loans receivable, net	$	2,623,172		$	2,501,951

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

	At or For the Year Ended December 31, 2025
				Residential						Commercial
ACL ON LOANS	CRE			Real Estate			Consumer			Business			Total
Beginning balance	$	7,001		$	7,440		$	14,185		$	3,244		$	31,870
Provision for (reversal of) credit losses on loans		1,258			(38	)		7,983			(248	)		8,955
Charge-offs		(2,300	)		—			(7,731	)		(433	)		(10,464	)
Recoveries		—			—			1,497			79			1,576
Net charge-offs		(2,300	)		—			(6,234	)		(354	)		(8,888	)
Ending balance	$	5,959		$	7,402		$	15,934		$	2,642		$	31,937

	At or For the Year Ended December 31, 2024
				Residential					Commercial
ACL ON LOANS	CRE			Real Estate		Consumer			Business			Total
Beginning balance	$	7,293		$	6,814	$	13,357		$	4,070		$	31,534
(Reversal of) provision for credit losses on loans		(292	)		626		5,221			80			5,635
Charge-offs		—			—		(5,994	)		(1,141	)		(7,135	)
Recoveries		—			—		1,601			235			1,836
Net charge-offs		—			—		(4,393	)		(906	)		(5,299	)
Ending balance	$	7,001		$	7,440	$	14,185		$	3,244		$	31,870

	At or For the Year Ended December 31, 2023
			Residential						Commercial
ACL ON LOANS	CRE		Real Estate			Consumer			Business			Total
Beginning balance	$	7,056	$	5,067		$	12,109		$	3,760		$	27,992
Provision for credit losses on loans		237		1,757			3,465			311			5,770
Charge-offs		—		(10	)		(3,465	)		(1	)		(3,476	)
Recoveries		—		—			1,248			—			1,248
Net charge-offs		—		(10	)		(2,217	)		(1	)		(2,228	)
Ending balance	$	7,293	$	6,814		$	13,357		$	4,070		$	31,534

Financing Receivable, Modified [Table Text Block]

For the Year Ended December 31, 2025

Weighted-

Average

Combination

Term

Total

Extension

Class of

Payment

Financing

Delay

CRE LOANS

Delay

Receivable

(in years)

CRE owner occupied

1,204

0.68

3.3

Total

Class of

COMMERCIAL BUSINESS

Principal

Financing

Principal

LOANS

Forgiveness

Receivable

Forgiven

C&I

182

0.06

357

For the Year Ended December 31, 2024

Weighted-

Average

Combination

Term

Total

Extension

Class of

Payment

Financing

Delay

CRE LOANS

Delay

Receivable

(in years)

CRE owner occupied

1,146

0.33

2.5

Commercial construction and development

4,979

1.51

0.5

Financing Receivable, Modified, Past Due [Table Text Block]

	December 31, 2025
	30-59		60-89
	Days		Days		90 Days		Total
	Past		Past		or More		Past
COMMERCIAL BUSINESS LOANS	Due		Due		Past Due		Due
C&I	$	—	$	—	$	182	$	182

	December 31, 2024
	30-59		60-89
	Days		Days		90 Days		Total
	Past		Past		or More		Past
CRE LOANS	Due		Due		Past Due		Due
Construction and development	$	—	$	—	$	4,979	$	4,979

Financing Receivable, Past Due [Table Text Block]

	December 31, 2025
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual⁽¹⁾
CRE owner occupied	$	587	$	—	$	844	$	1,431	$	174,647	$	176,078	$	2,049
CRE non-owner occupied		—		—		—		—		177,113		177,113		—
Commercial and speculative construction and development		—		—		9,236		9,236		344,894		354,130		9,236
Multi-family		—		—		—		—		262,150		262,150		—
Total CRE loans		587		—		10,080		10,667		958,804		969,471		11,285
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (excludes loans held for sale)		1,244		214		84		1,542		627,219		628,761		1,778
Home equity		228		—		71		299		87,972		88,271		390
Residential custom construction		—		—		—		—		42,329		42,329		—
Total residential real estate loans		1,472		214		155		1,841		757,520		759,361		2,168
CONSUMER LOANS
Indirect home improvement		4,829		2,292		1,480		8,601		517,241		525,842		4,256
Marine		254		9		69		332		67,783		68,115		454
Other consumer		54		27		1		82		2,947		3,029		2
Total consumer loans		5,137		2,328		1,550		9,015		587,971		596,986		4,712
COMMERCIAL BUSINESS LOANS
C&I		122		—		580		702		300,409		301,111		580
Warehouse lending		—		—		—		—		28,180		28,180		—
Total commercial business loans		122		—		580		702		328,589		329,291		580
Total loans	$	7,318	$	2,542	$	12,365	$	22,225	$	2,632,884	$	2,655,109	$	18,745

	December 31, 2024
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual⁽¹⁾
CRE owner occupied	$	845	$	—	$	1,625	$	2,470	$	167,926	$	170,396	$	2,771
CRE non-owner occupied		—		—		—		—		174,921		174,921		—
Commercial and speculative construction and development		—		—		4,979		4,979		275,819		280,798		4,979
Multi-family		—		—		—		—		245,222		245,222		—
Total CRE loans		845		—		6,604		7,449		863,888		871,337		7,750
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		2,507		253		76		2,836		614,486		617,322		164
Home equity		20		—		251		271		74,876		75,147		261
Residential custom construction		822		—		—		822		49,080		49,902		—
Total residential real estate loans		3,349		253		327		3,929		738,442		742,371		425
CONSUMER LOANS
Indirect home improvement		3,920		1,787		758		6,465		535,481		541,946		1,677
Marine		718		150		40		908		74,023		74,931		289
Other consumer		17		1		13		31		3,273		3,304		14
Total consumer loans		4,655		1,938		811		7,404		612,777		620,181		1,980
COMMERCIAL BUSINESS LOANS
C&I		118		—		3,331		3,449		283,565		287,014		3,446
Warehouse lending		—		—		—		—		12,918		12,918		—
Total commercial business loans		118		—		3,331		3,449		296,483		299,932		3,446
Total loans	$	8,967	$	2,191	$	11,073	$	22,231	$	2,511,590	$	2,533,821	$	13,601

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2025
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	37,809	$	4,148	$	21,485	$	35,169	$	10,625	$	34,840	$	—	$	—	$	144,076
Watch		142		600		4,084		6,167		14,137		4,438		—		—		29,568
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		2,434		—		—		2,434
Total CRE owner occupied		37,951		4,748		25,569		41,336		24,762		41,712		—		—		176,078
CRE non-owner occupied
Pass		9,467		8,362		15,734		49,708		34,888		51,951		—		475		170,585
Watch		—		—		—		—		—		—		—		—		—
Special mention		—		—		—		1,354		—		2,113		—		—		3,467
Substandard		—		—		3,061		—		—		—		—		—		3,061
Total CRE non-owner occupied		9,467		8,362		18,795		51,062		34,888		54,064		—		475		177,113
Commercial and speculative construction and development
Pass		188,568		96,592		19,623		22,343		10,004		63		7,701		—		344,894
Substandard		—		—		—		9,236		—		—		—		—		9,236
Total commercial and speculative construction and development		188,568		96,592		19,623		31,579		10,004		63		7,701		—		354,130
Commercial and speculative construction and development gross charge-offs		—		—		—		2,300		—		—		—		—		2,300
Multi-family
Pass		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total multi-family		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total CRE loans	$	262,477	$	130,452	$	71,004	$	143,898	$	155,615	$	197,849	$	7,701	$	475	$	969,471
Total CRE loans gross charge-offs	$	—	$	—	$	—	$	2,300	$	—	$	—	$	—	$	—	$	2,300

	December 31, 2025
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	93,883	$	56,292	$	102,074	$	149,010	$	97,732	$	124,942	$	—	$	502	$	624,435
Watch		—		—		—		710		—		—		—		—		710
Substandard		—		—		673		—		—		2,943		—		—		3,616
Total one-to-four-family		93,883		56,292		102,747		149,720		97,732		127,885		—		502		628,761
Home equity
Pass		11,609		1,595		1,615		287		1,189		6,432		65,154		—		87,881
Substandard		—		—		—		—		—		80		310		—		390
Total home equity		11,609		1,595		1,615		287		1,189		6,512		65,464		—		88,271
Residential custom construction
Pass		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential custom construction		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential real estate loans	$	137,142	$	65,984	$	105,592	$	151,359	$	98,921	$	134,397	$	65,464	$	502	$	759,361

	December 31, 2025
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	111,727	$	67,451	$	100,504	$	131,844	$	58,058	$	52,002	$	—	$	—	$	521,586
Substandard		434		792		1,011		1,124		323		572		—		—		4,256
Total indirect home improvement		112,161		68,243		101,515		132,968		58,381		52,574		—		—		525,842
Indirect home improvement gross charge-offs		261		1,763		1,647		2,025		884		753		—		—		7,333
Marine
Pass		7,619		10,210		9,647		17,126		7,366		15,693		—		—		67,661
Substandard		—		—		5		111		94		244		—		—		454
Total marine		7,619		10,210		9,652		17,237		7,460		15,937		—		—		68,115
Marine gross charge-offs		—		63		42		—		11		101		—		—		217
Other consumer
Pass		255		94		37		88		6		108		2,439		—		3,027
Substandard		—		—		—		1		—		—		1		—		2
Total other consumer		255		94		37		89		6		108		2,440		—		3,029
Other consumer gross charge-offs		—		6		—		—		2		56		117		—		181
Total consumer loans	$	120,035	$	78,547	$	111,204	$	150,294	$	65,847	$	68,619	$	2,440	$	—	$	596,986
Total consumer loans gross charge-offs	$	261	$	1,832	$	1,689	$	2,025	$	897	$	910	$	117	$	—	$	7,731

	December 31, 2025
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	48,052	$	55,033	$	18,762	$	12,437	$	12,048	$	11,105	$	123,306	$	2,121	$	282,864
Watch		—		—		—		—		1,017		—		6,303		16		7,336
Special mention		—		—		5,000		—		—		1,391		648		—		7,039
Substandard		191		—		84		—		1,592		1,199		806		—		3,872
Total C&I		48,243		55,033		23,846		12,437		14,657		13,695		131,063		2,137		301,111
C&I gross charge-offs		—		—		—		—		433		—		—		—		433
Warehouse lending
Pass		—		—		—		—		—		—		28,177		—		28,177
Special mention		—		—		—		—		—		—		3		—		3
Total warehouse lending		—		—		—		—		—		—		28,180		—		28,180
Total commercial business loans	$	48,243	$	55,033	$	23,846	$	12,437	$	14,657	$	13,695	$	159,243	$	2,137	$	329,291
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	—	$	433	$	—	$	—	$	—	$	433

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	567,130	$	328,624	$	297,728	$	439,285	$	317,877	$	399,146	$	226,777	$	3,098	$	2,579,665
Watch		142		600		4,084		6,877		15,154		4,438		6,303		16		37,614
Special mention		—		—		5,000		1,354		—		3,504		651		—		10,509
Substandard		625		792		4,834		10,472		2,009		7,472		1,117		—		27,321
Total loans receivable, gross	$	567,897	$	330,016	$	311,646	$	457,988	$	335,040	$	414,560	$	234,848	$	3,114	$	2,655,109
Total gross charge-offs	$	261	$	1,832	$	1,689	$	4,325	$	1,330	$	910	$	117	$	—	$	10,464

	December 31, 2024
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	4,659	$	31,943	$	35,248	$	15,653	$	28,970	$	22,926	$	—	$	679	$	140,078
Watch		—		—		9,300		12,654		—		4,354		—		—		26,308
Special mention		—		—		—		—		—		394		—		—		394
Substandard		—		—		—		—		1,625		1,991		—		—		3,616
Total CRE owner occupied		4,659		31,943		44,548		28,307		30,595		29,665		—		679		170,396
CRE non-owner occupied
Pass		8,364		16,491		48,829		36,221		14,682		43,216		—		—		167,803
Watch		—		3,135		1,389		—		—		2,594		—		—		7,118
Total CRE non-owner occupied		8,364		19,626		50,218		36,221		14,682		45,810		—		—		174,921
Commercial and speculative construction and development
Pass		129,201		77,241		28,810		29,851		—		380		10,336		—		275,819
Substandard		—		—		4,979		—		—		—		—		—		4,979
Total commercial and speculative construction and development		129,201		77,241		33,789		29,851		—		380		10,336		—		280,798
Multi-family
Pass		20,662		7,030		20,098		89,733		59,886		47,813		—		—		245,222
Total multi-family		20,662		7,030		20,098		89,733		59,886		47,813		—		—		245,222
Total CRE loans	$	162,886	$	135,840	$	148,653	$	184,112	$	105,163	$	123,668	$	10,336	$	679	$	871,337

	December 31, 2024
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	77,602	$	110,505	$	174,355	$	109,006	$	76,653	$	66,426	$	—	$	—	$	614,547
Substandard		—		—		735		—		—		2,040		—		—		2,775
Total one-to-four-family		77,602		110,505		175,090		109,006		76,653		68,466		—		—		617,322
Home equity
Pass		6,501		2,379		326		1,538		5,930		1,631		56,430		151		74,886
Substandard		—		—		—		—		—		14		247		—		261
Total home equity		6,501		2,379		326		1,538		5,930		1,645		56,677		151		75,147
Residential custom construction
Pass		38,741		9,771		1,390		—		—		—		—		—		49,902
Total residential custom construction		38,741		9,771		1,390		—		—		—		—		—		49,902
Total residential real estate loans	$	122,844	$	122,655	$	176,806	$	110,544	$	82,583	$	70,111	$	56,677	$	151	$	742,371

	December 31, 2024
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	98,516	$	130,254	$	167,896	$	74,577	$	28,045	$	40,981	$	—	$	—	$	540,269
Substandard		99		403		712		100		106		257		—		—		1,677
Total indirect home improvement		98,615		130,657		168,608		74,677		28,151		41,238		—		—		541,946
Indirect home improvement gross charge-offs		381		1,477		1,627		677		568		523		—		—		5,253
Marine
Pass		13,322		11,386		20,449		8,521		10,958		10,006		—		—		74,642
Substandard		—		—		—		—		106		183		—		—		289
Total marine		13,322		11,386		20,449		8,521		11,064		10,189		—		—		74,931
Marine gross charge-offs		—		21		128		51		128		237		—		—		565
Other consumer
Pass		310		93		334		56		35		126		2,336		—		3,290
Substandard		—		—		—		3		—		—		11		—		14
Total other consumer		310		93		334		59		35		126		2,347		—		3,304
Other consumer gross charge-offs		1		33		6		—		—		45		91		—		176
Total consumer loans	$	112,247	$	142,136	$	189,391	$	83,257	$	39,250	$	51,553	$	2,347	$	—	$	620,181
Total consumer loans gross charge-offs	$	382	$	1,531	$	1,761	$	728	$	696	$	805	$	91	$	—	$	5,994

	December 31, 2024
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	65,491	$	20,084	$	20,091	$	16,468	$	6,135	$	8,791	$	120,899	$	602	$	258,561
Watch		—		4,987		—		722		1,799		—		4,183		—		11,691
Special mention		—		—		—		543		—		556		6,375		—		7,474
Substandard		—		2,373		—		2,243		1,255		1,296		2,121		—		9,288
Total C&I		65,491		27,444		20,091		19,976		9,189		10,643		133,578		602		287,014
C&I gross charge-offs		—		—		—		—		—		380		761		—		1,141
Warehouse lending
Pass		—		—		—		—		—		—		11,060		—		11,060
Special mention		—		—		—		—		—		—		1,858		—		1,858
Total warehouse lending		—		—		—		—		—		—		12,918		—		12,918
Total commercial business loans	$	65,491	$	27,444	$	20,091	$	19,976	$	9,189	$	10,643	$	146,496	$	602	$	299,932
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	380	$	761	$	—	$	1,141

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	463,369	$	417,177	$	517,826	$	381,624	$	231,294	$	242,296	$	201,061	$	1,432	$	2,456,079
Watch		—		8,122		10,689		13,376		1,799		6,948		4,183		—		45,117
Special mention		—		—		—		543		—		950		8,233		—		9,726
Substandard		99		2,776		6,426		2,346		3,092		5,781		2,379		—		22,899
Total loans receivable, gross	$	463,468	$	428,075	$	534,941	$	397,889	$	236,185	$	255,975	$	215,856	$	1,432	$	2,533,821
Total gross charge-offs	$	382	$	1,531	$	1,761	$	728	$	696	$	1,185	$	852	$	—	$	7,135

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2025						December 31, 2024
	Nonaccrual with		Nonaccrual with		Total		Nonaccrual with		Nonaccrual with		Total
CRE LOANS	No ACL		ACL		Nonaccrual		No ACL		ACL		Nonaccrual
CRE owner occupied	$	2,049	$	—	$	2,049	$	2,771	$	—	$	2,771
Commercial and speculative construction and development		—		9,236		9,236		—		4,979		4,979
		2,049		9,236		11,285		2,771		4,979		7,750

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		1,778		—		1,778		164		—		164
Home equity		390		—		390		261		—		261
		2,168		—		2,168		425		—		425

CONSUMER LOANS
Indirect home improvement		—		4,256		4,256		—		1,677		1,677
Marine		—		454		454		—		289		289
Other consumer		—		2		2		—		14		14
		—		4,712		4,712		—		1,980		1,980
COMMERCIAL BUSINESS LOANS
C&I		415		165		580		2,486		960		3,446
Total	$	4,632	$	14,113	$	18,745	$	5,682	$	7,919	$	13,601

Financing Receivable, Collateral Dependent Loans [Table Text Block]

	December 31, 2025								December 31, 2024
			Residential		Other						Residential		Other
			Real		Non-Real						Real		Non-Real
CRE LOANS	CRE		Estate		Estate		Total		CRE		Estate		Estate		Total
CRE owner occupied	$	2,049	$	—	$	—	$	2,049	$	2,771	$	—	$	—	$	2,771
Commercial and speculative construction and development		9,236		—		—		9,236		4,979		—		—		4,979
		11,285		—		—		11,285		7,750		—		—		7,750

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		—		1,778		—		1,778		—		164		—		164
Home equity		—		390		—		390		—		261		—		261
		—		2,168		—		2,168		—		425		—		425

CONSUMER LOANS
Indirect home improvement		—		—		4,256		4,256		—		—		1,677		1,677
Marine		—		—		454		454		—		—		289		289
		—		—		4,710		4,710		—		—		1,966		1,966
COMMERCIAL BUSINESS LOANS
C&I		—		—		398		398		—		—		3,446		3,446
Total	$	11,285	$	2,168	$	5,108	$	18,561	$	7,750	$	425	$	5,412	$	13,587

Related Party [Member]

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

	At December 31,
	2025			2024
Beginning balance	$	3,575		$	3,343
Additions		37			345
Repayments		(153	)		(113	)
Ending balance	$	3,459		$	3,575

Note 15 - Earnings per Share - Schedule of Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Net income	$ 33,346	$ 35,024	$ 36,053
Dividends and undistributed earnings allocated to participating securities	(566)	(572)	(578)
Net income available to common shareholders	$ 32,780	$ 34,452	$ 35,475
Basic weighted average common shares outstanding (in shares)	7,528,764	7,697,806	7,656,526
Dilutive shares (in shares)	114,729	195,440	118,907
Diluted weighted average common shares outstanding (in shares)	7,643,493	7,893,246	7,775,433
Basic earnings per share (in dollars per share)	$ 4.35	$ 4.48	$ 4.63
Diluted earnings per share (in dollars per share)	$ 4.29	$ 4.36	$ 4.56
Potentially dilutive weighted average unvested restricted shares and stock options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive. (in shares)	2,521	11,640	56,520

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

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The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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

Note 2 - Investments (Tables)

12 Months Ended

Dec. 31, 2025

Investment [Table Text Block]

	December 31, 2025
								Estimated
	Amortized		Unrealized		Unrealized			Fair
SECURITIES AVAILABLE-FOR-SALE	Cost		Gains		Losses			Values		ACL
U.S. agency securities	$	20,264	$	66	$	(2,203	)	$	18,127	$	—
Corporate securities		16,000		5		(619	)		15,386		—
Municipal bonds		81,156		4		(9,755	)		71,405		—
Mortgage-backed securities		181,849		757		(9,039	)		173,567		—
Asset-backed securities		10,828		1		(647	)		10,182		—
Total securities available-for-sale		310,097		833		(22,263	)		288,667		—

SECURITIES HELD-TO-MATURITY
Corporate securities		31,393		831		(149	)		32,075		277
Municipal bonds		2,108		213		—			2,321		—
Total securities held-to-maturity		33,501		1,044		(149	)		34,396		277

Total securities	$	343,598	$	1,877	$	(22,412	)	$	323,063	$	277

	December 31, 2024
								Estimated
	Amortized		Unrealized		Unrealized			Fair
SECURITIES AVAILABLE-FOR-SALE	Cost		Gains		Losses			Values		ACL
U.S. agency securities	$	20,247	$	45	$	(3,154	)	$	17,138	$	—
Corporate securities		16,000		8		(882	)		15,126		—
Municipal bonds		82,774		—		(12,430	)		70,344		—
Mortgage-backed securities		178,740		415		(11,969	)		167,186		—
Asset-backed securities		12,511		3		(1,133	)		11,381		—
Total securities available-for-sale		310,272		471		(29,568	)		281,175		—

SECURITIES HELD-TO-MATURITY
Corporate securities		8,500		—		(356	)		8,144		45
Total securities held-to-maturity		8,500		—		(356	)		8,144		45

Total securities	$	318,772	$	471	$	(29,924	)	$	289,319	$	45

Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Table Text Block]

SECURITIES HELD-TO-MATURITY	For the Year Ended December 31,
Corporate Securities	2025		2024		2023
Beginning ACL balance	$	45	$	45	$	31
Provision for credit losses		232		—		14
Total ending ACL balance	$	277	$	45	$	45

Debt Securities, Held-to-Maturity, Credit Quality Indicator [Table Text Block]

	December 31,
Corporate securities	2025		2024
BBB	$	29,521	$	8,500
BB		1,872		—
Municipal bonds
A		2,108		—
Total	$	33,501	$	8,500

Gain (Loss) on Securities [Table Text Block]

	December 31, 2025
	Less than 12 Months					12 Months or Longer					Total
SECURITIES AVAILABLE-FOR-SALE	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
U.S. agency securities	$	—	$	—		$	16,061	$	(2,203	)	$	16,061	$	(2,203	)
Corporate securities		3,961		(39	)		8,420		(580	)		12,381		(619	)
Municipal bonds		—		—			70,228		(9,755	)		70,228		(9,755	)
Mortgage-backed securities		35,194		(380	)		64,321		(8,659	)		99,515		(9,039	)
Asset-backed securities		3,047		(25	)		6,644		(622	)		9,691		(647	)
Total securities available-for-sale		42,202		(444	)		165,674		(21,819	)		207,876		(22,263	)

SECURITIES HELD-TO-MATURITY
Corporate securities		6,788		(84	)		935		(65	)		7,723		(149	)
Total securities held-to-maturity		6,788		(84	)		935		(65	)		7,723		(149	)

Total securities	$	48,990	$	(528	)	$	166,609	$	(21,884	)	$	215,599	$	(22,412	)

	December 31, 2024
	Less than 12 Months					12 Months or Longer					Total
SECURITIES AVAILABLE-FOR-SALE	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
U.S. agency securities	$	—	$	—		$	15,093	$	(3,154	)	$	15,093	$	(3,154	)
Corporate securities		6,781		(219	)		5,337		(663	)		12,118		(882	)
Municipal bonds		1,677		(10	)		68,667		(12,420	)		70,344		(12,430	)
Mortgage-backed securities		31,093		(241	)		63,934		(11,728	)		95,027		(11,969	)
Asset-backed securities		3,638		(41	)		7,190		(1,092	)		10,828		(1,133	)
Total securities available-for-sale		43,189		(511	)		160,221		(29,057	)		203,410		(29,568	)

SECURITIES HELD-TO-MATURITY
Corporate securities		—		—			8,144		(356	)		8,144		(356	)
Total securities held-to-maturity		—		—			8,144		(356	)		8,144		(356	)

Total securities	$	43,189	$	(511	)	$	168,365	$	(29,413	)	$	211,554	$	(29,924	)

Investments Classified by Contractual Maturity Date [Table Text Block]

	December 31, 2025				December 31, 2024
SECURITIES AVAILABLE-FOR-SALE	Amortized		Fair		Amortized		Fair
U.S. agency securities	Cost		Value		Cost		Value
Due after one year through five years	$	4,976	$	4,785	$	4,962	$	4,575
Due after five years through ten years		15,288		13,342		10,975		9,193
Due after ten years		—		—		4,310		3,370
Subtotal		20,264		18,127		20,247		17,138
Corporate securities
Due within one year		6,000		6,001		—		—
Due after one year through five years		8,000		7,858		11,000		10,766
Due after five years through ten years		2,000		1,527		3,000		2,918
Due after ten years		—		—		2,000		1,442
Subtotal		16,000		15,386		16,000		15,126
Municipal bonds
Due after one year through five years		2,135		2,137		2,186		2,168
Due after five years through ten years		7,080		6,441		4,158		3,728
Due after ten years		71,941		62,827		76,430		64,448
Subtotal		81,156		71,405		82,774		70,344
Mortgage-backed securities
Federal National Mortgage Association (“FNMA”)		82,555		75,492		90,771		80,677
Federal Home Loan Mortgage Corporation (“FHLMC”)		47,170		46,556		48,765		47,773
Government National Mortgage Association (“GNMA”)		52,124		51,519		39,204		38,736
Subtotal		181,849		173,567		178,740		167,186
Asset-backed securities
Due within one year		130		129		203		200
Due after one year through five years		743		730		1,073		1,037
Due after five years through ten years		2,598		2,458		2,867		2,648
Due after ten years		7,357		6,865		8,368		7,496
Subtotal		10,828		10,182		12,511		11,381
Total securities available-for-sale		310,097		288,667		310,272		281,175

SECURITIES HELD-TO-MATURITY
Corporate securities
Due after one year through five years		3,000		2,986		—		—
Due after five years through ten years		26,143		26,839		8,500		8,144
Due after ten years		2,250		2,250		—		—
Subtotal		31,393		32,075		8,500		8,144
Municipal bonds
Due after ten years		2,108		2,321		—		—
Subtotal		2,108		2,321		—		—
Total securities held-to-maturity		33,501		34,396		8,500		8,144
Total securities	$	343,598	$	323,063	$	318,772	$	289,319

Schedule of Realized Gain (Loss) [Table Text Block]

	For the Year Ended December 31, 2024
			Gross		Gross
	Proceeds		Gains		(Losses)
Securities available-for-sale	$	101,907	$	215	$	(8,051	)

Note 6 - Leases - Schedule of Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Operating cash flows from operating leases	$ 1,900	$ 1,950
Weighted average remaining lease term- operating leases (in years) (Year)	5 years	3 years 6 months
Weighted average discount rate- operating leases	3.84%	3.14%

Insider Trading Arrangements	3 Months Ended	12 Months Ended
Insider Trading Arrangements	Dec. 31, 2025	Dec. 31, 2025
Trading Arrangements, by Individual [Table]
Material Terms of Trading Arrangement [Text Block]		*Item 9B.* Other Information** a) Nothing to report. b) During the quarter ended December 31, 2025, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Corporation adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement” as each term is defined in Item 408(a) of Regulation S–K.
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Adopted [Flag]	false

Note 20 - Goodwill and Other Intangible Assets

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Text Block]

NOTE 20 – GOODWILL AND OTHER INTANGIBLE ASSETS

Goodwill and certain other intangibles generally arise from business combinations accounted for under the acquisition method of accounting. Goodwill totaled $3.6 million at both December 31, 2025, and December 31, 2024, and represents the excess of the total acquisition price paid over the fair value of the assets acquired, net of the fair values of liabilities assumed in the Branch Purchase on February 24, 2023 (“Branch Acquisition”), and the purchase of four retail bank branches from Bank of America on January 22, 2016. Goodwill is not amortized but is evaluated for impairment on an annual basis at December 31 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. The Company elected to perform a qualitative assessment to determine whether it was more likely than not that the fair value of the reporting unit exceeded its carrying value, including goodwill. In performing this assessment, management considered qualitative factors including macroeconomic conditions, industry and market trends, financial performance, and changes in the Company’s stock price and market capitalization. Based on this assessment, management concluded that it was more likely than not that the fair value of the reporting unit exceeded its carrying value, and therefore no impairment of goodwill was indicated.

Core deposit intangible (“CDI”) is evaluated for impairment whenever events or changes in circumstances indicate that its carrying amount may not be recoverable, with any changes in estimated useful life accounted for prospectively over the revised remaining life. As of December 31, 2025, management believes that there have been no events or changes in the circumstances that would indicate a potential impairment of CDI.

The following table summarizes the changes in the Company’s other intangible assets comprised solely of CDI for the years indicated:

	Other Intangible Assets
			Accumulated
	Gross CDI		Amortization			Net CDI
Balance, December 31, 2023	$	24,928	$	(7,585	)	$	17,343
Amortization		—		(3,633	)		(3,633	)
Balance, December 31, 2024		24,928		(11,218	)		13,710
Amortization		—		(3,192	)		(3,192	)
Balance, December 31, 2025	$	24,928	$	(14,410	)	$	10,518

The CDI represents the fair value assigned to the intangible core deposit base acquired in business combinations. The CDI from the Branch Acquisition is being amortized on an accelerated basis over 10 years, while the CDI from the Anchor Bank acquisition (completed in November 2018) is being amortized on a straight-line basis over 10 years. Amortization expense was $3.2 million, $3.6 million and $3.5 million for the years ended December 31, 2025, 2024 and 2023, respectively.

Amortization expense for CDI is expected to be as follows for the years ended December 31:

2026	$	2,845
2027		2,500
2028		2,110
2029		1,283
2030		937
Thereafter		843
Total	$	10,518

Note 7 - Deposits (Tables)

12 Months Ended

Dec. 31, 2025

Deposit Liabilities, Type [Table Text Block]

	December 31,
	2025		2024
Noninterest-bearing checking	$	647,197	$	627,679
Interest-bearing checking⁽¹⁾		335,449		176,561
Savings		164,056		154,188
Money market⁽²⁾		385,618		341,615
Certificates of deposit less than $100,000⁽³⁾		512,808		440,257
Certificates of deposit of $100,000 through $250,000		452,666		455,594
Certificates of deposit greater than $250,000		164,922		133,045
Escrow accounts related to mortgages serviced ⁽⁴⁾		10,926		10,479
Total	$	2,673,642	$	2,339,418

Time Deposit Maturities [Table Text Block]

Maturing in 2026	$	1,063,138
Maturing in 2027		42,525
Maturing in 2028		11,644
Maturing in 2029		12,968
Maturing in 2030 and thereafter		121
Total	$	1,130,396

Interest Income and Interest Expense Disclosure [Table Text Block]

	Year Ended December 31,
	2025		2024		2023
Interest-bearing checking	$	3,804	$	2,521	$	2,586
Savings and money market		8,395		7,633		5,511
Certificates of deposit		45,470		43,009		28,654
Total	$	57,669	$	53,163	$	36,751

Tabular disclosure of type of deposit liability.

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph e
-Publisher SEC

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph d
-Publisher SEC

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph c
-Publisher SEC

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (5)
-Publisher SEC

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (4)
-Publisher SEC

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (3)
-Publisher SEC

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (2)
-Publisher SEC

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (1)
-Publisher SEC

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Publisher SEC

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (1)
-Publisher SEC

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)
-Publisher SEC

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(i)
-Publisher SEC

Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iv)
-Publisher SEC

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iii)
-Publisher SEC

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(ii)
-Publisher SEC

Note 14 - Fair Value Measurements (Tables)

12 Months Ended

Dec. 31, 2025

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

Financial Assets	At December 31, 2025
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	18,127		$	—	$	18,127
Corporate securities		—		15,386			—		15,386
Municipal bonds		—		71,405			—		71,405
Mortgage-backed securities		—		173,567			—		173,567
Asset-backed securities		—		10,182			—		10,182
Mortgage loans held for sale, at fair value		—		43,705			—		43,705
Loans receivable, at fair value		—		13,183			—		13,183
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			8		8
Interest rate lock commitments with customers		—		—			241		241
Interest rate swaps - cash flow and fair value hedges		—		1,894			—		1,894
Interest rate swaps - dealer offsets to customer swap positions		—		36			—		36
Total assets measured at fair value	$	—	$	347,485		$	249	$	347,734
Financial Liabilities
Derivatives:
Interest rate swaps - customer swap positions	$	—	$	(36	)	$	—	$	(36	)
Interest rate swaps - cash flow and fair value hedges		—		(656	)		—		(656	)
Forward TBA mortgage-backed securities		—		(146	)		—		(146	)
Total liabilities measured at fair value	$	—	$	(838	)	$	—	$	(838	)

Financial Assets	At December 31, 2024
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	17,138		$	—	$	17,138
Corporate securities		—		15,126			—		15,126
Municipal bonds		—		70,344			—		70,344
Mortgage-backed securities		—		167,186			—		167,186
Asset-backed securities		—		11,381			—		11,381
Mortgage loans held for sale, at fair value		—		27,835			—		27,835
Loans receivable, at fair value		—		12,728			—		12,728
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			31		31
Interest rate lock commitments with customers		—		—			103		103
Forward TBA mortgage-backed securities		—		180			—		180
Interest rate swaps- cash flow and fair value hedges		—		7,244			—		7,244
Interest rate swaps - dealer offsets to customer swap positions		—		62			—		62
Total assets measured at fair value	$	—	$	329,224		$	134	$	329,358
Financial Liabilities
Derivatives:
Interest rate swaps - customer swap positions	$	—	$	(61	)	$	—	$	(61	)
Total liabilities measured at fair value	$	—	$	(61	)	$	—	$	(61	)

Fair Value Measurements, Nonrecurring [Table Text Block]

	December 31, 2025
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	9,236	$	9,236
MSRs		—		—		21,800		21,800

	December 31, 2024
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	1,130	$	1,130
MSRs		—		—		21,043		21,043

Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]

Level 3		Significant			Weighted Average Rate
Fair Value	Valuation	Unobservable			December 31,			December 31,
Instruments	Techniques	Inputs	Range		2025			2024
RECURRING
Interest rate lock commitments with customers	Quoted market prices	Pull-through expectations		80% - 99%		93.7	%		94.0	%
Individual forward sale commitments with investors	Quoted market prices	Pull-through expectations		80% - 99%		93.7	%		94.0	%
NONRECURRING
Collateral dependent loans	Fair value of underlying collateral	Discount applied to the obtained appraisal		0% - 25%		—	%		—	%
MSRs	Industry sources	Pre-payment speeds		0% - 50%		8.5	%		8.3	%

Fair Value, Assets (Liabilities) Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]

				Purchases									Net change in			Net change in
	Beginning			and			Sales and			Ending			fair value for			fair value for
2025	Balance			Issuances			Settlements			Balance			gains/(losses) ⁽¹⁾			gains/(losses)⁽²⁾
Interest rate lock commitments with customers	$	103		$	3,903		$	(3,765	)	$	241		$	138		$	—
Individual forward sale commitments with investors		31			(144	)		121			8			(23	)		—
2024
Interest rate lock commitments with customers	$	329		$	4,279		$	(4,505	)	$	103		$	(226	)	$	—
Individual forward sale commitments with investors		(188	)		(1,626	)		1,845			31			219			—
2023
Interest rate lock commitments with customers	$	107		$	4,291		$	(4,069	)	$	329		$	222		$	—
Individual forward sale commitments with investors		(38	)		66			(216	)		(188	)		(150	)		—

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

	December 31, 2025				December 31, 2024
Financial Assets	Carrying		Fair		Carrying		Fair
Level 1 inputs:	Amount		Value		Amount		Value
Cash and cash equivalents	$	28,219	$	28,219	$	31,635	$	31,635
Certificates of deposit at other financial institutions		—		—		1,727		1,727
Level 2 inputs:
Securities available-for-sale, at fair value		288,667		288,667		281,175		281,175
Securities held-to-maturity, gross		33,501		34,396		8,500		8,144
Loans held for sale, at fair value		43,705		43,705		27,835		27,835
Forward TBA mortgage-backed securities		—		—		180		180
Loans receivable, at fair value		13,183		13,183		12,728		12,728
Interest rate swaps - cash flow and fair value hedges		1,894		1,894		7,244		7,244
Interest rate swaps - dealer offsets to customer swap positions		36		36		62		62
Level 3 inputs:
Loans receivable, gross		2,641,926		2,578,744		2,521,093		2,385,213
MSRs, held at lower of cost or fair value		8,608		21,800		9,204		21,043
Mandatory and best effort forward commitments with investors		8		8		31		31
Fair value interest rate locks with customers		241		241		103		103
Financial Liabilities
Level 2 inputs:
Time deposits		1,130,396		1,129,892		1,028,896		1,024,663
Borrowings		129,305		128,360		307,806		307,408
Subordinated notes, excluding unamortized debt issuance costs		50,000		48,856		50,000		45,504
Interest rate swaps - cash flow and fair value hedges		656		656		—		—
Forward TBA mortgage-backed securities		146		146		—		—
Interest rate swaps - customer swap positions		36		36		61		61

Note 17 - Accumulated Other Comprehensive Income (Loss)

12 Months Ended

Dec. 31, 2025

Comprehensive Income (Loss) Note [Text Block]

NOTE 17 – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following were changes in accumulated other comprehensive income (loss) by component, net of tax, for the years indicated:

				Unrealized
				(Losses)
	Gains and			and Gains
	(Losses) on			on Available
	Derivative			for Sale
Year Ended December 31, 2025	Instruments			Securities			Total
Beginning balance	$	5,700		$	(22,840	)	$	(17,140	)
Other comprehensive (loss) income before reclassification, net of tax		(2,257	)		6,019			3,762
Amounts reclassified from accumulated other comprehensive loss, net of tax		(2,451	)		—			(2,451	)
Net current period other comprehensive (loss) income		(4,708	)		6,019			1,311
Ending balance	$	992		$	(16,821	)	$	(15,829	)

				Unrealized
				(Losses)
	Gains and			and Gains
	(Losses) on			on Available
	Derivative			for Sale
Year Ended December 31, 2024	Instruments			Securities			Total
Beginning balance	$	4,766		$	(28,072	)	$	(23,306	)
Other comprehensive income (loss) before reclassification, net of tax		6,074			(919	)		5,155
Amounts reclassified from accumulated other comprehensive loss, net of tax		(5,140	)		6,151			1,011
Net current period other comprehensive income		934			5,232			6,166
Ending balance	$	5,700		$	(22,840	)	$	(17,140	)

				Unrealized
				(Losses)
	Gains and			and Gains
	(Losses) on			on Available
	Derivative			for Sale
Year Ended December 31, 2023	Instruments			Securities			Total
Beginning balance	$	7,761		$	(33,393	)	$	(25,632	)
Other comprehensive income before reclassification, net of tax		1,296			5,321			6,617
Amounts reclassified from accumulated other comprehensive loss, net of tax		(4,291	)		—			(4,291	)
		(2,995	)		5,321			2,326
Ending balance	$	4,766		$	(28,072	)	$	(23,306	)

Note 9 - Debt - Summary of Advances from Federal Home Loan Bank (Details) $ in Thousands	Dec. 31, 2025 USD ($)
2026, balances	$ 76,805
2026, interest rates	4.49%
2027, balances	$ 47,000
2027, interest rates	3.79%
2028, balances	$ 5,500
2028, interest rates	3.90%
Total, balances	$ 129,305
Total, interest rates	4.21%

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans - Schedule of Portfolio Loan Composition (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Gross	$ 2,655,109	$ 2,533,821
ACL on loans	(31,937)	(31,870)	$ (31,534)	$ (27,992)
Total loans receivable, net	2,623,172	2,501,951
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Gross	969,471	871,337
ACL on loans	(5,959)	(7,001)	(7,293)	(7,056)
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied [Member]
Financing Receivable, Gross	176,078	170,396
Commercial Real Estate Portfolio Segment [Member] \| Non-owner Occupied [Member]
Financing Receivable, Gross	177,113	174,921
Commercial Real Estate Portfolio Segment [Member] \| Commercial and Speculative Construction and Development [Member]
Financing Receivable, Gross	354,130	280,798
Commercial Real Estate Portfolio Segment [Member] \| Multifamily [Member]
Financing Receivable, Gross	262,150	245,222
Residential Portfolio Segment [Member]
Financing Receivable, Gross	759,361	742,371
ACL on loans	(7,402)	(7,440)	(6,814)	(5,067)
Residential Portfolio Segment [Member] \| One-to-four Family Loan [Member]
Financing Receivable, Gross	628,761	617,322
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Financing Receivable, Gross	88,271	75,147
Residential Portfolio Segment [Member] \| Custom Construction [Member]
Financing Receivable, Gross	42,329	49,902
Consumer Portfolio Segment [Member]
Financing Receivable, Gross	596,986	620,181
ACL on loans	(15,934)	(14,185)	(13,357)	(12,109)
Consumer Portfolio Segment [Member] \| Indirect Home Improvement Loan [Member]
Financing Receivable, Gross	525,842	541,946
Consumer Portfolio Segment [Member] \| Marine Loans [Member]
Financing Receivable, Gross	68,115	74,931
Consumer Portfolio Segment [Member] \| Other Consumer Loan [Member]
Financing Receivable, Gross	3,029	3,304
Commercial Business Portfolio Segment [Member]
Financing Receivable, Gross	329,291	299,932
ACL on loans	(2,642)	(3,244)	$ (4,070)	$ (3,760)
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Gross	301,111	287,014
Commercial Business Portfolio Segment [Member] \| Warehouse Lending Loan [Member]
Financing Receivable, Gross	$ 28,180	$ 12,918

Note 12 - Significant Concentration of Credit Risk

12 Months Ended

Dec. 31, 2025

Concentration Risk Disclosure [Text Block]

NOTE 12 – SIGNIFICANT CONCENTRATION OF CREDIT RISK

Most of the Company’s commercial and multi-family real estate, construction, residential, and commercial business lending activities are with customers located in Western Washington, the Oregon Coast, or near our loan production offices in Vancouver and the Tri-Cities, Washington. The Company originates real estate, consumer, and commercial business loans and has concentrations in these areas, however, indirect home improvement loans, including solar-related home improvement loans are originated through a network of home improvement contractors and dealers located throughout Washington, Oregon, California, Idaho, Colorado, Arizona, Minnesota, Nevada, Texas, Utah, Massachusetts, Montana, and New Hampshire. Loans are generally secured by collateral and rights to collateral vary and are legally documented to the extent practicable. Local economic conditions may affect borrowers’ ability to meet the stated repayment terms. At December 31, 2025, the concentration on commercial real estate remains below the 300% of Risk Based Capital regulatory threshold at 274.9%, and the subset of construction loans, excluding owner-occupied loans is within Board approved limits. The concentration of construction, land development, and other land loans represented 103.5% of the Bank’s total regulatory capital at December 31, 2025. These loans are focused on in-city, infill vertical construction financing in King and Snohomish counties. Local economic conditions may affect borrowers’ ability to meet the stated repayment terms.

The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (d)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-21

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (d)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-21

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-21

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (c)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-21

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
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Note 10 - Income Taxes - Reconciliation of Effective Income Tax Rate (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Pre-tax income - domestic	$ 41,120	$ 41,581	$ 45,272
Pre-tax income - foreign	0	0	0
INCOME BEFORE PROVISION FOR INCOME TAXES	41,120	41,581	45,272
State and local income taxes, net of federal income tax effect	$ 279	$ 219	$ 166
State and local income taxes, net of federal income tax effect, percent	0.70%	0.50%	0.40%
Foreign tax effects	$ 0	$ 0	$ 0
Foreign tax effects, percent	0.00%	0.00%	0.00%
Effect of changes in tax laws or rates enacted in the current period	$ 0	$ 0	$ 0
Effect of changes in tax laws or rates enacted in the current period, percent	0.00%	0.00%	0.00%
Effect of cross-border tax laws	$ 0	$ 0	$ 0
Effect of cross-border tax laws, percent	0.00%	0.00%	0.00%
Purchased income tax credits	$ (660)	$ (2,277)	$ 0
Purchased income tax credits, percent	(1.60%)	(5.50%)	0.00%
Other, tax credits	$ (150)	$ (93)	$ (60)
Other, tax credits, percent	(0.30%)	(0.20%)	(0.10%)
Changes in valuation allowance	$ 0	$ 0	$ 0
Changes in valuation allowance, percent	0.00%	0.00%	0.00%
Excess executive compensation	$ 104	$ 560	$ 52
Excess executive compensation, percent	0.30%	1.30%	0.10%
Bank owned life insurance	$ (470)	$ (223)	$ (193)
Bank owned life insurance, percent	(1.10%)	(0.50%)	(0.40%)
Other, nontaxable or nondeductible items	$ 183	$ 204	$ 25
Other, nontaxable or nondeductible items, percent	0.30%	0.50%	0.10%
Changes in unrecognized tax benefits	$ 0	$ 0	$ 0
Changes in unrecognized tax benefits, percent	0.00%	0.00%	0.00%
Stock-based compensation (windfalls) / shortfalls	$ (64)	$ (631)	$ (208)
Stock-based compensation (windfalls) / shortfalls, percent	(0.20%)	(1.50%)	(0.50%)
Other, tax adjustments	$ (83)	$ 66	$ (70)
Other, tax adjustments, percent	(0.20%)	0.20%	(0.20%)
Total provision for income taxes	$ 7,774	$ 6,557	$ 9,219
Effective tax rate, percent	18.90%	15.80%	20.40%
Federal	$ 200	$ 2,060	$ 10,100
Foreign	0	0	0
Federal	7,587	26,008	0
Oregon	209	209	0
Oregon Department of Revenue [Member]
State	(18)	305	165
Other State Departments of Revenue [Member]
State	2	(29)	101
Domestic Tax Jurisdiction [Member]
US federal statutory tax rate	$ 8,635	$ 8,732	$ 9,507
US federal statutory tax rate, percent	21.00%	21.00%	21.00%

Note 5 - Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Table Text Block]

	December 31,
	2025			2024
Land	$	10,333		$	7,925
Buildings		32,862			20,814
Furniture, fixtures, and equipment		17,443			16,831
Leasehold improvements		2,874			2,880
Building improvements		4,924			8,392
Projects in process		382			211
Subtotal		68,818			57,053
Less accumulated depreciation and amortization		(24,753	)		(27,297	)
Total	$	44,065		$	29,756

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans - Schedule of Modified Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Commercial Real Estate Portfolio Segment [Member] \| Commercial Loan [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage	0.68%	0.33%
Commercial Real Estate Portfolio Segment [Member] \| Commercial Loan [Member] \| Extended Maturity and Payment Delay [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	$ 1,204	$ 1,146
Commercial Real Estate Portfolio Segment [Member] \| Commercial Loan [Member] \| Extended Maturity [Member]
Financing Receivable, Excluding Accrued Interest, Modified, Weighted Average Term Extension Payment Delay (Year)	3 years 3 months 18 days	2 years 6 months
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage		1.51%
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Extended Maturity and Payment Delay [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		$ 4,979
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Extended Maturity [Member]
Financing Receivable, Excluding Accrued Interest, Modified, Weighted Average Term Extension Payment Delay (Year)		6 months
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage	0.06%
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member] \| Principal Forgiveness [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	$ 182
Financing Receivable, Excluding Accrued Interest, Modified in Period, Principal Forgiven	$ 357

Note 21 - Parent Company Only Financial Information - Condensed Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest expense on subordinated note	$ (1,942)	$ (1,942)	$ (1,942)
Income tax benefit	(7,774)	(6,557)	(9,219)
NET INCOME	33,346	35,024	36,053
Parent Company [Member]
Dividends received from subsidiary	24,010	11,832	8,919
Interest expense on subordinated note	(1,942)	(1,942)	(1,942)
Other expenses	(936)	(452)	(278)
Income before income tax benefit and equity in undistributed net income of subsidiary	21,132	9,438	6,699
Income tax benefit	590	488	458
Equity in undistributed earnings of subsidiary	11,624	25,098	28,896
NET INCOME	$ 33,346	$ 35,024	$ 36,053

Amount of income (loss) from continuing operations before deduction of income tax expense (benefit) and income (loss) attributable to noncontrolling interest, and addition of income (loss) from equity method investments.

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Amount of income (loss) for proportionate share of equity method investee's income (loss).

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

Note 18 - Stock-based Compensation (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Share-Based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]

	December 31,
	2025			2024			2023
Dividend yield		2.79	%		2.57	%		3.25	%
Expected volatility		38.45	%		29.55	%		28.24	%
Risk-free interest rate		3.98	%		3.82	%		4.35	%
Expected term in years		6.2			6.3			6.5
Weighted-average grant date fair value per option granted	$	13.21		$	11.36		$	7.61

Share-Based Payment Arrangement, Option, Activity [Table Text Block]

	Shares		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Term In Years		Aggregate Value
Outstanding at January 1, 2023		647,832	$	26.67		6.84	$	4,627,255
Granted		103,000		30.73		—		—
Less exercised		47,734		10.17		—		970,064
Less Forfeited or expired		40,819		32.96		—		—
Outstanding at December 31, 2023		662,279	$	28.12		6.69	$	5,852,975

Outstanding at January 1, 2024		662,279	$	28.12		6.69	$	5,852,975
Granted		75,100		41.98		9.62		—
Less exercised		187,478		23.69		—		3,916,425
Less forfeited		12,000		30.73		—		—
Outstanding at December 31, 2024		537,901	$	31.55		6.75	$	5,187,207

Outstanding at January 1, 2025		537,901	$	31.55		6.75	$	5,187,207
Granted		138,372		40.14		9.62		—
Less exercised		17,650		27.25		—		237,460
Outstanding at December 31, 2025		658,623	$	33.47		6.63	$	5,134,992

Expected to vest, assuming a 0.31% annual forfeiture rate at, December 31, 2025 ⁽¹⁾		643,150	$	33.35		6.58		5,087,730

Exercisable at December 31, 2025		371,448	$	30.28		5.16	$	4,065,004

Nonvested Restricted Stock Shares Activity [Table Text Block]

Nonvested Shares	Shares			Weighted-Average Grant-Date Fair Value Per Share
Nonvested at January 1, 2023		118,530		$	28.85
Granted		37,600			30.73
Less vested		(44,462	)		28.24
Less forfeited or expired		(9,524	)		30.96
Nonvested at December 31, 2023		102,144		$	29.61

Nonvested at January 1, 2024		102,144		$	29.61
Granted		42,250			41.98
Less vested		(37,331	)		28.46
Less forfeited or expired		(4,000	)		30.73
Nonvested at December 31, 2024		103,063		$	35.05

Nonvested at January 1, 2025		103,063		$	35.05
Granted		37,872			40.14
Less vested		(37,964	)		32.88
Nonvested at December 31, 2025		102,971		$	37.73

Note 5 - Premises and Equipment

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment Disclosure [Text Block]

NOTE 5 – PREMISES AND EQUIPMENT

Premises and equipment at the dates indicated were as follows:

	December 31,
	2025			2024
Land	$	10,333		$	7,925
Buildings		32,862			20,814
Furniture, fixtures, and equipment		17,443			16,831
Leasehold improvements		2,874			2,880
Building improvements		4,924			8,392
Projects in process		382			211
Subtotal		68,818			57,053
Less accumulated depreciation and amortization		(24,753	)		(27,297	)
Total	$	44,065		$	29,756

Depreciation and amortization expense for these assets totaled $2.8 million, $2.5 million, and $2.6 million for the years ended December 31, 2025, 2024 and 2023, respectively.

At December 31, 2025, premises and equipment with a carrying value of $3.3 million were classified as held for sale and included in "Long-lived assets held for sale" on the Consolidated Balance Sheets. The Company expects the sale to be completed within one year.

Note 11 - Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]

COMMITMENTS TO EXTEND CREDIT	December 31,
CRE LOANS	2025		2024
CRE	$	2,204	$	1,132
Commercial and speculative construction and development		198,176		135,006
Multi-family		6,676		5,876
Total CRE loans		207,056		142,014
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		28,977		23,138
Home equity		100,071		97,358
Residential custom construction		37,213		39,125
Total residential real estate loans		166,261		159,621
CONSUMER LOANS		29,646		28,566
COMMERCIAL BUSINESS LOANS
C&I		160,277		174,292
Warehouse lending		42,145		53,978
Total commercial business loans		202,422		228,270
Total commitments to extend credit	$	605,385	$	558,471

Note 2 - Investments - Schedule of Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Available-for-Sale, Amortized Cost	$ 310,097	$ 310,272
Total securities available-for-sale, fair value	288,667	281,175
Total securities held-to-maturity, amortized cost	33,501	8,500
Total securities held-to-maturity, fair value	34,396	8,144
Total securities, amortized cost	343,598	318,772
Total securities, fair value	323,063	289,319
US Government Agencies Debt Securities [Member]
Due after one year through five years, amortized cost	4,976	4,962
Due after one year through five years, fair value	4,785	4,575
Due after five years through ten years, amortized cost	15,288	10,975
Due after five years through ten years, fair value	13,342	9,193
Due after ten years, amortized cost	0	4,310
Due after ten years, fair value	0	3,370
Subtotal, amortized cost	20,264	20,247
Subtotal, fair value	18,127	17,138
Available-for-Sale, Amortized Cost	20,264	20,247
Total securities available-for-sale, fair value	18,127	17,138
Corporate Debt Securities [Member]
Due after one year through five years, amortized cost	8,000	11,000
Due after one year through five years, fair value	7,858	10,766
Due after five years through ten years, amortized cost	2,000	3,000
Due after five years through ten years, fair value	1,527	2,918
Due after ten years, amortized cost	0	2,000
Due after ten years, fair value	0	1,442
Subtotal, amortized cost	16,000	16,000
Subtotal, fair value	15,386	15,126
Due within one year, amortized cost	6,000	0
Due within one year, fair value	6,001	0
Available-for-Sale, Amortized Cost	16,000	16,000
Total securities available-for-sale, fair value	15,386	15,126
Due after one year through five years, amortized cost, held to maturity	3,000	0
Due after one year through five years, fair value, held to maturity	2,986	0
Due after five years through ten years, amortized cost, held to maturity	26,143	8,500
Due after five years through ten years, fair value, held to maturity	26,839	8,144
Due after ten years, amortized cost, held to maturity	2,250	0
Due after ten years, fair value, held to maturity	2,250	0
Total securities held-to-maturity, amortized cost	31,393	8,500
Total securities held-to-maturity, fair value	32,075	8,144
Municipal Bonds [Member]
Due after one year through five years, amortized cost	2,135	2,186
Due after one year through five years, fair value	2,137	2,168
Due after five years through ten years, amortized cost	7,080	4,158
Due after five years through ten years, fair value	6,441	3,728
Due after ten years, amortized cost	71,941	76,430
Due after ten years, fair value	62,827	64,448
Subtotal, amortized cost	81,156	82,774
Subtotal, fair value	71,405	70,344
Available-for-Sale, Amortized Cost	81,156	82,774
Total securities available-for-sale, fair value	71,405	70,344
Due after ten years, amortized cost, held to maturity	2,108	0
Due after ten years, fair value, held to maturity	2,321	0
Total securities held-to-maturity, amortized cost	2,108	0
Total securities held-to-maturity, fair value	2,321	0
Collateralized Mortgage-Backed Securities [Member]
Without single maturity date, amortized cost	181,849	178,740
Without single maturity date, fair value	173,567	167,186
Available-for-Sale, Amortized Cost	181,849	178,740
Total securities available-for-sale, fair value	173,567	167,186
Collateralized Mortgage-Backed Securities [Member] \| Federal National Mortgage Association (FNMA) [Member]
Without single maturity date, amortized cost	82,555	90,771
Without single maturity date, fair value	75,492	80,677
Collateralized Mortgage-Backed Securities [Member] \| Federal Home Loan Mortgage Corporation (FHLMC) [Member]
Without single maturity date, amortized cost	47,170	48,765
Without single maturity date, fair value	46,556	47,773
Collateralized Mortgage-Backed Securities [Member] \| Government National Mortgage Association (GNMA) [Member]
Without single maturity date, amortized cost	52,124	39,204
Without single maturity date, fair value	51,519	38,736
Asset-Backed Securities [Member]
Due after one year through five years, amortized cost	743	1,073
Due after one year through five years, fair value	730	1,037
Due after five years through ten years, amortized cost	2,598	2,867
Due after five years through ten years, fair value	2,458	2,648
Due after ten years, amortized cost	7,357	8,368
Due after ten years, fair value	6,865	7,496
Subtotal, amortized cost	10,828	12,511
Subtotal, fair value	10,182	11,381
Due within one year, amortized cost	130	203
Due within one year, fair value	129	200
Available-for-Sale, Amortized Cost	10,828	12,511
Total securities available-for-sale, fair value	$ 10,182	$ 11,381

Note 1 - Basis of Presentation and Summary of Significant Accounting Policies (Details Textual)		12 Months Ended
	Feb. 25, 2026 USD ($)	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Number of Bank Branches		27
Number of Operating Segments		2
Cash, Uninsured Amount		$ 1,700,000	$ 41,000
Federal Home Loan Bank Stock		7,971,000	15,621,000
FHLB Impairment		0	0	$ 0
Marketing and Advertising Expense		1,250,000	1,310,000	1,349,000
Goodwill, Impairment Loss		$ 0	$ 0	$ 0
Building and Building Improvements [Member]
Property, Plant and Equipment, Useful Life (Year)		25 years
Furniture Fixtures and Equipment [Member] \| Minimum [Member]
Property, Plant and Equipment, Useful Life (Year)		3 years
Furniture Fixtures and Equipment [Member] \| Maximum [Member]
Property, Plant and Equipment, Useful Life (Year)		10 years
Subsequent Event [Member] \| Pacific West [Member]
Business Combination, Consideration Transferred	$ 34,600,000

Note 21 - Parent Company Only Financial Information - Condensed Cash Flow Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Net income	$ 33,346	$ 35,024	$ 36,053
Compensation expense related to stock options and restricted stock awards	2,254	1,806	2,010
Other assets	4,661	8,051	(4,495)
Other liabilities	(3,578)	(5,301)	3,093
Net cash from operating activities	72,313	50,823	77,669
Disbursements from stock options exercised, net	(57)	(1,633)	(273)
Common stock repurchased for employee/director taxes paid on restricted stock awards	(464)	(386)	(355)
Issuance of common stock - employee stock purchase plan	1,222	1,075	1,017
Common stock repurchased	(15,423)	(2,508)	(223)
Dividends paid on common stock	(10,262)	(8,265)	(7,764)
Net cash from (used by) financing activities	130,704	19,318	(131,084)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(3,416)	(34,056)	24,254
CASH AND CASH EQUIVALENTS, beginning of year	31,635	65,691	41,437
CASH AND CASH EQUIVALENTS, end of year	28,219	31,635	65,691
Parent Company [Member]
Net income	33,346	35,024	36,053
Equity in undistributed net income of subsidiary	(11,624)	(25,098)	(28,896)
Amortization	67	67	66
Compensation expense related to stock options and restricted stock awards	2,254	1,806	2,010
Other assets	(229)	(29)	246
Other liabilities	143	13	18
Net cash from operating activities	23,957	11,783	9,497
Disbursements from stock options exercised, net	(57)	(1,633)	(273)
Common stock repurchased for employee/director taxes paid on restricted stock awards	(464)	(386)	(355)
Issuance of common stock - employee stock purchase plan	1,222	1,075	1,017
Common stock repurchased	(15,423)	(2,508)	(223)
Dividends paid on common stock	(10,262)	(8,265)	(7,764)
Net cash from (used by) financing activities	(24,984)	(11,717)	(7,598)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(1,027)	66	1,899
CASH AND CASH EQUIVALENTS, beginning of year	9,160	9,094	7,195
CASH AND CASH EQUIVALENTS, end of year	$ 8,133	$ 9,160	$ 9,094

Note 14 - Fair Value Measurements - Schedule of Financial Assets and Liabilities on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Loans receivable, at fair value	$ 43,705	$ 27,835
Interest Rate Swap [Member]
Derivatives liabilities	(656)
Derivative asset	1,930	7,306
Fair Value, Recurring [Member]
Mortgage loans held for sale, at fair value	43,705	27,835
Loans receivable, at fair value	13,183	12,728
Total assets measured at fair value	347,734	329,358
Financial liabilities	(838)	(61)
Fair Value, Recurring [Member] \| Interest Rate Swap [Member]
Derivatives liabilities	(656)
Derivative asset	1,894	7,244
Fair Value, Recurring [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	36	62
Fair Value, Recurring [Member] \| Customer Swap [Member]
Derivatives liabilities	(36)	(61)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Mortgage loans held for sale, at fair value	0	0
Loans receivable, at fair value	0	0
Total assets measured at fair value	0	0
Financial liabilities	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Interest Rate Swap [Member]
Derivatives liabilities	0
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Customer Swap [Member]
Derivatives liabilities	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Mortgage loans held for sale, at fair value	43,705	27,835
Loans receivable, at fair value	13,183	12,728
Total assets measured at fair value	347,485	329,224
Financial liabilities	(838)	(61)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest Rate Swap [Member]
Derivatives liabilities	(656)
Derivative asset	1,894	7,244
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	36	62
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Customer Swap [Member]
Derivatives liabilities	(36)	(61)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Mortgage loans held for sale, at fair value	0	0
Loans receivable, at fair value	0	0
Total assets measured at fair value	249	134
Financial liabilities	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Interest Rate Swap [Member]
Derivatives liabilities	0
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Customer Swap [Member]
Derivatives liabilities	0	0
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member]
Securities available-for-sale	18,127	17,138
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	18,127	17,138
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member]
Securities available-for-sale	15,386	15,126
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	15,386	15,126
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale	71,405	70,344
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	71,405	70,344
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member]
Securities available-for-sale	173,567	167,186
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	173,567	167,186
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member]
Securities available-for-sale	10,182	11,381
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	10,182	11,381
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Derivatives liabilities	8
Derivative asset		31
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member] \| Fair Value, Inputs, Level 1 [Member]
Derivatives liabilities	0
Derivative asset		0
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives liabilities	0
Derivative asset		0
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivatives liabilities	8
Derivative asset		31
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member]
Derivative asset	241	103
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Inputs, Level 1 [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivative asset	241	103
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivatives liabilities	(146)
Derivative asset		180
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Derivatives liabilities	0
Derivative asset		0
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives liabilities	(146)
Derivative asset		180
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivatives liabilities	$ 0
Derivative asset		$ 0

Note 2 - Investments - Schedule of Debt Securities, Held-to-Maturity Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	$ 33,501	$ 8,500
Corporate Debt Securities [Member]
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	31,393	8,500
Municipal Bonds [Member]
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	2,108
Standard & Poor's, BBB Rating [Member] \| Corporate Debt Securities [Member]
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	29,521	8,500
Standard & Poor's, BB+ Rating [Member] \| Corporate Debt Securities [Member]
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	1,872	0
Standard & Poor's, A Rating [Member] \| Municipal Bonds [Member]
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	$ 2,108	$ 0

Note 20 - Goodwill and Other Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Finite-Lived Intangible Assets [Table Text Block]

	Other Intangible Assets
			Accumulated
	Gross CDI		Amortization			Net CDI
Balance, December 31, 2023	$	24,928	$	(7,585	)	$	17,343
Amortization		—		(3,633	)		(3,633	)
Balance, December 31, 2024		24,928		(11,218	)		13,710
Amortization		—		(3,192	)		(3,192	)
Balance, December 31, 2025	$	24,928	$	(14,410	)	$	10,518

Core Deposits [Member]

Schedule of Acquired Finite-Lived Intangible Assets by Major Class [Table Text Block]

2026	$	2,845
2027		2,500
2028		2,110
2029		1,283
2030		937
Thereafter		843
Total	$	10,518

Note 4 - Mortgage Servicing Rights

12 Months Ended

Dec. 31, 2025

Transfers and Servicing of Financial Assets [Text Block]

NOTE 4 – MORTGAGE SERVICING RIGHTS

Loans serviced for others are not included on the Consolidated Balance Sheets. The unpaid principal balances of residential mortgage loans serviced for others was $1.67 billion and $1.63 billion at December 31, 2025 and 2024, respectively. Custodial escrow balances maintained in connection with loans serviced for others were $10.9 million and $10.5 million at December 31, 2025 and 2024, respectively.

The following table summarizes MSRs activity at or for the years indicated:

	At or For the Year Ended
	December 31,
	2025			2024			2023
Beginning balance, at the lower of cost or fair value	$	9,204		$	17,176		$	18,017
Additions		2,129			2,415			2,772
Sales		—			(7,953	)		—
MSRs amortized		(2,671	)		(2,472	)		(3,565	)
(Impairment) recovery of MSRs		(54	)		38			(48	)
Ending balance, at the lower of cost or fair value	$	8,608		$	9,204		$	17,176

The fair value of the MSRs’ assets was $21.8 million and $21.0 million at December 31, 2025 and December 31, 2024, respectively. Fair value adjustments to MSRs are mainly due to market-based assumptions associated with discounted cash flows, loan prepayment speeds, and changes in interest rates. A significant change in prepayments of the loans in the MSRs portfolio could result in significant changes in the valuation adjustments, thus creating potential volatility in the carrying amount of MSRs.

Key economic assumptions of the current fair value for single family MSRs are presented in the table below. Also shown is the sensitivity of the MSR portfolio to changes in market interest rates on the underlying loans, expressed as the impact on prepayment speeds and discount rates. The table presents the estimated decline in fair value assuming a 10% and 20% adverse change in market interest rates. Two sets of sensitivities are provided: (i) prepayment-only sensitivity, reflecting the impact of the interest rate change on prepayment speeds, holding discount rates constant; and (ii) combined sensitivity reflecting the impact of the interest rate change on both prepayment speeds and the discount rate used to value the MSRs.

	December 31,
	2025		2024
Aggregate portfolio principal balance	$	1,673,501	$	1,632,141
Weighted average rate of loans in MSRs portfolio		4.4%		4.2%
Fair value MSRs	$	21,800	$	21,043
Weighted average life in years		7.7		7.9
Weighted average constant prepayment rate		8.5%		8.3%
Decline in fair value from 10% adverse change (prepayment-only)	$	736	$	408
Decline in fair value from 20% adverse change (prepayment-only)	$	1,253	$	776
Effective discount rate		9.1%		10.2%
Decline in fair value from 10% adverse change (prepayment + discount rate)	$	899	$	911
Decline in fair value from 20% adverse change (prepayment + discount rate)	$	1,730	$	1,819

These sensitivities are hypothetical and should be used with caution as the tables above demonstrate the Company’s methodology for estimating the fair value of MSRs which is extremely sensitive to changes in key assumptions. For example, actual prepayment experience may differ and any difference may have a material effect on the fair value of MSRs. Changes in fair value resulting from changes in assumptions generally cannot be extrapolated because the relationship of the change in the assumption to the change in fair value may not be linear. Also, in this table, the effects of a variation in a particular assumption on the fair value of MSRs is calculated without changing any other assumption; in reality, changes in one factor may be associated with changes in another (for example, decreases in market interest rates may provide an incentive to refinance; however, this may also indicate a slowing economy and an increase in the unemployment rate, which reduces the number of borrowers who qualify for refinancing), which may magnify or counteract the sensitivities. Thus, any measurement of the fair value of MSRs is limited by the conditions existing and assumptions made at a particular point in time. Those assumptions may not be appropriate if they are applied to a different time.

The Company recorded $4.4 million, $4.7 million, and $7.2 million of gross contractually specified servicing fees, late fees, and other ancillary fees resulting from servicing of loans for the years ended December 31, 2025, 2024 and 2023, respectively. The income, net of amortization of MSRs, is reported in “Service charges and fee income” on the Consolidated Statements of Income.

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Note 9 - Debt - Maximum and Weighted Average Balances and Interest Rates (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
FHLB advances and Fed Funds, maximum balance	$ 299,805	$ 299,805	$ 74,895
Fed Funds lines of credit with other financial institutions, maximum balance	3,612	3,963	0
FHLB advances and Fed Funds, average balance	167,485	122,015	33,945
Fed Funds lines of credit with other financial institutions, average balance	$ 11	$ 11	$ 11
FHLB advances and Fed Funds, weighted average interest rates	4.44%	5.03%	4.40%
Fed Funds lines of credit with other financial institutions, weighted average interest rates	4.78%	5.88%	5.62%
Subordinated Notes [Member]
Long term debt, weighted average interest rates	3.88%	3.88%	3.88%
Subordinated Notes [Member] \| Maximum [Member]
Long term debt, maximum balance	$ 50,000	$ 50,000	$ 50,000
Subordinated Notes [Member] \| Weighted Average [Member]
Long term debt, maximum balance	50,000	50,000	50,000
Federal Reserve Bank, Fed Funds [Member]
FRB, maximum balance	27,000	41,000	0
FRB, average balance	$ 2,292	$ 1,705	$ 14,704
FRB, weighted average interest rates	4.22%	5.56%	5.42%
Federal Reserve Bank, Bank Term Funding Program [Member]
FRB, maximum balance	$ 0	$ 89,850	$ 90,000
FRB, average balance	$ 0	$ 30,195	$ 61,669
FRB, weighted average interest rates	0.00%	4.70%	4.71%

Document And Entity Information - USD ($)	12 Months Ended
Document And Entity Information - USD ($)	Dec. 31, 2025	Mar. 11, 2026	Jun. 30, 2025
Document Information [Line Items]
Entity Central Index Key	0001530249
Entity Registrant Name	FS Bancorp, Inc.
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2025
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2025
Document Transition Report	false
Entity File Number	001-35589
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	45-4585178
Entity Address, Address Line One	6920 220th Street SW
Entity Address, City or Town	Mountlake Terrace
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98043
City Area Code	425
Local Phone Number	771-5299
Title of 12(b) Security	Common Stock, $0.01 par value per share
Trading Symbol	FSBW
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 259,816,442
Entity Common Stock, Shares Outstanding		7,501,542
Auditor Firm ID	23
Auditor Name	Baker Tilly US, LLP
Auditor Location	Everett, Washington

Note 13 - Regulatory Capital - Schedule of Comparison (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Parent Company [Member]
Actual, Capital, Rate	0.1425	0.1453
Actual, Tier 1 Risk-based Rate	0.1121	0.1136
Actual, Tier 1 Leverage Rate	0.0966	0.0987
Actual, CET 1 Rate	0.1121	0.1136
Total risk-based capital (to risk-weighted assets)	0.1425	0.1453
Tier 1 risk-based capital (to risk-weighted assets)	0.1121	0.1136
Tier 1 leverage capital (to average assets)	0.0966	0.0987
CET 1 capital (to risk-weighted assets)	0.1121	0.1136
The 1st Security Bank of Washington, Subsidiary [Member]
Actual, Capital	$ 385,215	$ 368,953
Actual, Capital, Rate	0.1396	0.1418
Capital Adequacy, Total	$ 220,788	$ 208,174
Capital Adequacy, Total Rate	0.08	0.08
Capital Adequacy, Total Risk-based with Buffer	$ 289,785	$ 273,228
Capital Adequacy, Total Risk-based with Buffer, Rate	0.105	0.105
Well Capitalized, Total Capital	$ 275,986	$ 260,218
Well Capitalized, Total Capital Rate	0.10	0.10
Actual, Tier 1 Risk-based	$ 351,232	$ 336,416
Actual, Tier 1 Risk-based Rate	0.1273	0.1293
Capital Adequacy, Tier 1 Risk-based	$ 165,591	$ 156,131
Capital Adequacy, Tier 1 Risk-based Rate	0.06	0.06
Capital Adequacy, Tier 1 Risk-based with Buffer	$ 234,588	$ 221,185
Capital Adequacy, Tier 1 Risk-based with Buffer, Rate	0.085	0.085
Well Capitalized, Tier 1 Risk-based	$ 220,788	$ 208,174
Well Capitalized, Tier 1 Risk-based Rate	0.08	0.08
Actual, Tier 1 Leverage	$ 351,232	$ 336,416
Actual, Tier 1 Leverage Rate	0.1096	0.1124
Capital Adequacy, Tier 1 Leverage	$ 128,160	$ 119,741
Capital Adequacy, Tier 1 Leverage Rate	0.04	0.04
Well Capitalized, Tier 1 Leverage	$ 160,200	$ 149,676
Well Capitalized, Tier 1 Leverage Rate	0.05	0.05
Actual, CET 1	$ 351,232	$ 336,416
Actual, CET 1 Rate	0.1273	0.1293
Capital Adequacy, CET 1	$ 124,194	$ 117,098
Capital Adequacy, CET 1 Rate	0.045	0.045
Capital Adequacy, CET 1 with Buffer	$ 193,190	$ 182,152
Capital Adequacy, CET 1 with Buffer , Rate	0.07	0.07
Well Capitalized, CET 1	$ 179,391	$ 169,141
Well Capitalized, CET 1 Rate	0.065	0.065
Total risk-based capital (to risk-weighted assets)	0.1396	0.1418
Tier 1 risk-based capital (to risk-weighted assets)	0.1273	0.1293
Tier 1 leverage capital (to average assets)	0.1096	0.1124
CET 1 capital (to risk-weighted assets)	0.1273	0.1293

Note 17 - Accumulated Other Comprehensive Income (Loss) (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]

				Unrealized
				(Losses)
	Gains and			and Gains
	(Losses) on			on Available
	Derivative			for Sale
Year Ended December 31, 2025	Instruments			Securities			Total
Beginning balance	$	5,700		$	(22,840	)	$	(17,140	)
Other comprehensive (loss) income before reclassification, net of tax		(2,257	)		6,019			3,762
Amounts reclassified from accumulated other comprehensive loss, net of tax		(2,451	)		—			(2,451	)
Net current period other comprehensive (loss) income		(4,708	)		6,019			1,311
Ending balance	$	992		$	(16,821	)	$	(15,829	)

				Unrealized
				(Losses)
	Gains and			and Gains
	(Losses) on			on Available
	Derivative			for Sale
Year Ended December 31, 2024	Instruments			Securities			Total
Beginning balance	$	4,766		$	(28,072	)	$	(23,306	)
Other comprehensive income (loss) before reclassification, net of tax		6,074			(919	)		5,155
Amounts reclassified from accumulated other comprehensive loss, net of tax		(5,140	)		6,151			1,011
Net current period other comprehensive income		934			5,232			6,166
Ending balance	$	5,700		$	(22,840	)	$	(17,140	)

				Unrealized
				(Losses)
	Gains and			and Gains
	(Losses) on			on Available
	Derivative			for Sale
Year Ended December 31, 2023	Instruments			Securities			Total
Beginning balance	$	7,761		$	(33,393	)	$	(25,632	)
Other comprehensive income before reclassification, net of tax		1,296			5,321			6,617
Amounts reclassified from accumulated other comprehensive loss, net of tax		(4,291	)		—			(4,291	)
		(2,995	)		5,321			2,326
Ending balance	$	4,766		$	(28,072	)	$	(23,306	)

Note 7 - Deposits

12 Months Ended

Dec. 31, 2025

Deposit Liabilities Disclosures [Text Block]

NOTE 7 – DEPOSITS

Deposits are summarized as follows at the dates indicated:

	December 31,
	2025		2024
Noninterest-bearing checking	$	647,197	$	627,679
Interest-bearing checking⁽¹⁾		335,449		176,561
Savings		164,056		154,188
Money market⁽²⁾		385,618		341,615
Certificates of deposit less than $100,000⁽³⁾		512,808		440,257
Certificates of deposit of $100,000 through $250,000		452,666		455,594
Certificates of deposit greater than $250,000		164,922		133,045
Escrow accounts related to mortgages serviced ⁽⁴⁾		10,926		10,479
Total	$	2,673,642	$	2,339,418

_____________________________

(1)	Includes $140.2 million and no brokered deposits at December 31, 2025 and 2024, respectively.
(2)	Includes $20.3 million and $279,000 of brokered deposits at December 31, 2025 and 2024, respectively.

(3)	Includes $202.1 million and $143.1 million of brokered certificates of deposit at December 31, 2025 and 2024, respectively.

(4)	Noninterest-bearing accounts.

Scheduled maturities of time deposits at December 31, 2025 for future years ending are as follows:

Maturing in 2026	$	1,063,138
Maturing in 2027		42,525
Maturing in 2028		11,644
Maturing in 2029		12,968
Maturing in 2030 and thereafter		121
Total	$	1,130,396

Interest expense by deposit category for the years indicated is as follows:

	Year Ended December 31,
	2025		2024		2023
Interest-bearing checking	$	3,804	$	2,521	$	2,586
Savings and money market		8,395		7,633		5,511
Certificates of deposit		45,470		43,009		28,654
Total	$	57,669	$	53,163	$	36,751

The Company had related party deposits of approximately $5.2 million and $3.2 million at December 31, 2025 and 2024, respectively, which included deposits held for directors and executive officers.

Note 7 - Deposits - Schedule of Deposit Liabilities (Details) - USD ($)
$ in Thousands

Dec. 31, 2025

Dec. 31, 2024

Noninterest-bearing checking

$ 647,197

$ 627,679

Interest-bearing checking

^[1]

335,449

176,561

Savings

164,056

154,188

Money market

^[2]

385,618

341,615

Certificates of deposit less than $100,000

^[3]

512,808

440,257

Certificates of deposit of $100,000 through $250,000

452,666

455,594

Certificates of deposit greater than $250,000

164,922

133,045

Escrow accounts related to mortgages serviced

^[4]

10,926

10,479

Total deposits

$ 2,673,642

$ 2,339,418

[1]	Includes $140.2 million and no brokered deposits at December 31, 2025 and 2024, respectively.
[2]	Includes $20.3 million and $279,000 of brokered deposits at December 31, 2025 and 2024, respectively.
[3]	Includes $202.1 million and $143.1 million of brokered certificates of deposit at December 31, 2025 and 2024, respectively.
[4]	Noninterest-bearing accounts.

Note 19 - Business Segments (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Segment Reporting Information, by Segment [Table Text Block]

	At or For the Year Ended December 31, 2025
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	146,140		$	35,741		$	181,881
Interest income - other interest earnings assets		15,365			—			15,365
Total interest income by segment		161,505			35,741			197,246

Gain on sale of loans		63			8,217			8,280
Other income		11,239			2,758			13,997
Intersegment income		(1,295	)		1,295			—
Total noninterest income by segment		10,007			12,270			22,277

Total income by segment		171,512			48,011			219,523

Expense:
Interest expense - deposits		57,649			20			57,669
Interest expense - borrowings		7,229			—			7,229
Interest expense - subordinated note		1,541			401			1,942
Interest expense - intersegment		(24,048	)		24,048			—
Total interest expense by segment		42,371			24,469			66,840

Provision for credit losses by segment		9,001			545			9,546

Salaries and benefits		32,355			7,709			40,064
Overhead allocation		23,352			7,370			30,722
Other segment items⁽¹⁾		25,794			5,437			31,231
Total noninterest expense by segment		81,501			20,516			102,017

Income before provision for income taxes by segment		38,639			2,481			41,120
Provision for income taxes by segment		(7,305	)		(469	)		(7,774	)
Net income by segment	$	31,334		$	2,012		$	33,346

Other segment disclosures:
Segment assets	$	2,538,874		$	657,973		$	3,196,847
FTEs		462			118			580

	At or For the Year Ended December 31, 2024
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	139,996		$	30,861		$	170,857
Interest income - other interest earnings assets		13,980			—			13,980
Total interest income by segment		153,976			30,861			184,837

Gain on sale of loans		—			8,557			8,557
Gain on sale of MSRs		6,473			1,883			8,356
Loss on sale of investment securities		—			—			—
Other income		1,856			2,787			4,643
Intersegment income		898			(898	)		—
Total noninterest income by segment		9,227			12,329			21,556

Total income by segment		163,203			43,190			206,393

Expense:
Interest expense - deposits		53,156			7			53,163
Interest expense - borrowings		6,627			—			6,627
Interest expense - subordinated note		1,555			387			1,942
Interest expense - intersegment		(20,666	)		20,666			—
Total interest expense by segment		40,672			21,060			61,732

Provision for credit losses by segment		5,393			118			5,511

Salaries and benefits		26,609			8,470			35,079
Overhead allocation		22,464			6,559			29,023
Other segment items⁽¹⁾		28,542			4,925			33,467
Total noninterest expense by segment		77,615			19,954			97,569

Income before provision for income taxes by segment		39,523			2,058			41,581
(Provision) benefit for income taxes by segment		(6,733	)		176			(6,557	)
Net income by segment	$	32,790		$	2,234		$	35,024

Other segment disclosures:
Segment assets	$	2,410,777		$	618,400		$	3,029,177
FTEs		447			115			562

	At or For the Year Ended December 31, 2023
	Commercial
	and Consumer
Income:	Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	127,947		$	26,998		$	154,945
Interest income - other interest earnings assets		12,247			—			12,247
Total interest income by segment		140,194			26,998			167,192

Gain on sale of loans		—			6,711			6,711
Other income		9,178			4,601			13,779
Intersegment income		1,190			(1,190	)		—
Total noninterest income by segment		10,368			10,122			20,490

Total income by segment		150,562			37,120			187,682

Expense:
Interest expense - deposits		36,743			8			36,751
Interest expense - borrowings		5,196			—			5,196
Interest expense - subordinated note		1,581			361			1,942
Interest expense - intersegment		(15,063	)		15,063			—
Total interest expense by segment		28,457			15,432			43,889

Provision for credit losses by segment		3,494			1,280			4,774

Salaries and benefits		25,623			9,749			35,372
Corporate overhead allocation		21,266			6,109			27,375
Other segment items⁽¹⁾		26,878			4,122			31,000
Total noninterest expense by segment		73,767			19,980			93,747

Income before provision for income taxes by segment		44,844			428			45,272
Provision for income taxes by segment		(9,132	)		(87	)		(9,219	)
Net income by segment	$	35,712		$	341		$	36,053

Other segment disclosures:
Segment assets	$	2,420,930		$	551,739		$	2,972,669
FTEs		447			123			570

Note 11 - Commitments and Contingencies

12 Months Ended

Dec. 31, 2025

Commitments and Contingencies Disclosure [Text Block]

NOTE 11 – COMMITMENTS AND CONTINGENCIES

Commitments - The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized on the Consolidated Balance Sheets.

The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.

The following table provides a summary of the Company’s commitments at the dates indicated:

COMMITMENTS TO EXTEND CREDIT	December 31,
CRE LOANS	2025		2024
CRE	$	2,204	$	1,132
Commercial and speculative construction and development		198,176		135,006
Multi-family		6,676		5,876
Total CRE loans		207,056		142,014
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		28,977		23,138
Home equity		100,071		97,358
Residential custom construction		37,213		39,125
Total residential real estate loans		166,261		159,621
CONSUMER LOANS		29,646		28,566
COMMERCIAL BUSINESS LOANS
C&I		160,277		174,292
Warehouse lending		42,145		53,978
Total commercial business loans		202,422		228,270
Total commitments to extend credit	$	605,385	$	558,471

Commitments to extend credit are agreements to lend to a customer provided there is no violation of any condition established in the contract. Since many of the commitments are expected to expire without being drawn upon, the amount of the total commitments does not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. Collateral held varies, but may include accounts receivable, inventory, property and equipment, residential real estate, and income-producing commercial properties.

Unfunded commitments under commercial lines of credit, revolving credit lines and overdraft protection agreements represent potential future extensions of credit to existing customers. These commitments generally do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. The Company maintains an ACL on unfunded loan commitments for all arrangements that are not unconditionally cancellable, consistent with the Company’s CECL methodology. The ACL on unfunded loan commitments is recorded within other liabilities on the consolidated balance sheets. The Company's ACL on unfunded loan commitments at December 31, 2025, was $1.8 million and $1.4 million, respectively. The Company recorded a provision for credit losses on unfunded loan commitments of $360,000 for the year ended December 31, 2025, as compared to a recovery of $123,000 for the year ended December 31, 2024. The increase in the provision for December 31, 2025, was primarily attributable to a $63.2 million increase in commercial and speculative construction and development loan commitments.

A portion of the one-to-four-family commitments included in the table above are accounted for as fair value derivatives and do not carry an associated reserve. The Company’s derivative positions are presented with discussion in “Note 16 – Derivatives.”

The Company also sells one-to-four-family loans to the FHLB of Des Moines that require a limited level of recourse if the loans default and exceed a certain loss exposure. Specific to that recourse, the FHLB of Des Moines established a first loss account (“FLA”) related to the loans and required a credit enhancement (“CE”) obligation by the Bank to be utilized after the FLA is used. Based on loans sold through December 31, 2025, the total loans sold to the FHLB were $8.3 million with the FLA being $581,000 and the CE obligation at $389,000 or 4.7% of the loans outstanding. Management has established a holdback of 10% of the outstanding CE obligation, or $39,000, which is a part of the off-balance sheet holdback for loans sold. At December 31, 2025 and 2024, there were no loans sold to the FHLB of Des Moines greater than 30 days past their contractual payment due date.

Contingent liabilities for loans held for sale – In the ordinary course of business, loans are sold with limited recourse against the Company and may have to subsequently be repurchased due to defects that occurred during the origination of the loan. The defects are categorized as documentation errors, underwriting errors, early payoff, early payment defaults, breach of representation or warranty, servicing errors, and/or fraud. When a loan sold to an investor without recourse fails to perform according to its contractual terms, the investor will typically review the loan file to determine whether defects in the origination process occurred. If a defect is identified, the Company may be required to either repurchase the loan or indemnify the investor for losses sustained. If there are no such defects, the Company has no commitment to repurchase the loan. The Company has recorded a holdback reserve of $1.8 million and $2.0 million to cover loss exposure related to these guarantees for one-to-four-family loans sold into the secondary market at December 31, 2025 and 2024, respectively, which is included in “Other liabilities” on the Consolidated Balance Sheets.

The Company has entered into a severance agreement with its Chief Executive Officer (“CEO”). The severance agreement, subject to certain requirements, generally includes a lump sum payment to the CEO equal to 24 months of base compensation in the event their employment is involuntarily terminated, other than for cause or the executive terminates his employment with good reason, as defined in the severance agreement.

The Company has entered into change of control agreements with its executives and select key personnel. The change of control agreements, subject to certain requirements, generally remain in effect until canceled by either party upon at least 24 months prior written notice. Under the change of control agreements, the executive generally will be entitled to a change of control payment from the Company if the executive is involuntarily terminated within six months preceding or 12 months after a change in control (as defined in the change of control agreements). In such an event, the executives would each be entitled to receive a cash payment in an amount equal to 12 months of their then current salary, subject to certain requirements in the change of control agreements.

As a result of the nature of our activities, the Company is subject to various pending and threatened legal actions, which arise in the ordinary course of business. From time to time, subordination liens may create litigation which requires us to defend our lien rights. In the opinion of management, liabilities arising from these claims, if any, will not have a material effect on our financial position. The Company had no material pending legal actions at December 31, 2025.

Note 9 - Debt (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Debt [Table Text Block]

	December 31,
	2025		2024
Federal Home Loan Bank - (interest rates ranging from 3.74% to 4.92% and 4.45% to 4.92% at December 31, 2025 and 2024, respectively)	$	129,305	$	299,806
FRB - Fed funds - (interest rate of 4.33% at December 31, 2024)		—		8,000
Total	$	129,305	$	307,806

Schedule of Maturities of Long-Term Debt [Table Text Block]

Years Ending December 31,	Balances		Interest Rates
2026	$	76,805		4.49	%
2027		47,000		3.79	%
2028		5,500		3.90	%
Total	$	129,305		4.21	%

Schedule of Maximum and Weighted Average Balances and Interest Rates on Debt [Table Text Block]

	For the Year Ending December 31,
Maximum balance:	2025			2024			2023
FHLB advances and Fed Funds		$299,805			$299,805			$74,895
FRB Fed Funds		27,000			41,000			—
Fed Funds lines of credit with other financial institutions		3,612			3,963			—
Subordinated notes		50,000			50,000			50,000
FRB BTFP advance		—			89,850			90,000
Average balance:
FHLB advances and Fed Funds		167,485			122,015			33,945
FRB Fed Funds		2,292			1,705			14,704
Fed Funds lines of credit with other financial institutions		11			11			11
Subordinated notes		50,000			50,000			50,000
FRB BTFP advance		—			30,195			61,669
Weighted average interest rates
FHLB advances and Fed Funds		4.44	%		5.03	%		4.40	%
FRB Fed Funds		4.22	%		5.56	%		5.42	%
Fed Funds lines of credit with other financial institutions		4.78	%		5.88	%		5.62	%
Subordinated notes		3.88	%		3.88	%		3.88	%
FRB BTFP advance		—	%		4.70	%		4.71	%

Note 16 - Derivatives - Schedule of Offsetting of Derivative Assets (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Derivative Asset, Before Offset	$ 2,269	$ 7,844
Derivative Asset, Offset	339	538
Derivative asset	1,930	7,306
Derivative Assets, Financial Instruments Collateral	0	0
Derivative Assets, Cash Collateral	0	740
Derivative Asset, Net	$ 1,930	$ 6,566

Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.

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

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 7A
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-7A

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-SubTopic 10
-Topic 825
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-URI https://asc.fasb.org/1943274/2147482881/825-10-55-10

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
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Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets.

Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement.

Note 16 - Derivatives - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Interest Rate Swap [Member]
Derivative Asset	$ 1,930	$ 7,306
Derivative Liability	656
Designated as Hedging Instrument [Member] \| Interest Rate Swap [Member] \| Cash Flow and Fair Value Hedging [Member]
Notional	300,000	340,000
Derivative Asset	1,894	7,244
Derivative Liability	656	0
Not Designated as Hedging Instrument [Member] \| Interest Rate Lock Commitments [Member]
Notional	25,468	16,905
Derivative Asset	241	103
Derivative Liability	0	0
Not Designated as Hedging Instrument [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Notional	8,985	6,829
Derivative Asset	8	31
Derivative Liability	0	0
Not Designated as Hedging Instrument [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Notional	56,000	31,000
Derivative Asset	0	180
Derivative Liability	146	0
Not Designated as Hedging Instrument [Member] \| Customer Swap [Member]
Notional	627	716
Derivative Asset	0	0
Derivative Liability	36	61
Not Designated as Hedging Instrument [Member] \| Dealer Offsets to Customer Swap [Member]
Notional	627	716
Derivative Asset	36	62
Derivative Liability	$ 0	$ 0

Note 13 - Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

																To be Well Capitalized
											For Capital					Under Prompt
						For Capital					Adequacy With					Corrective
	Actual					Adequacy Purposes					Capital Buffer					Action Provisions
Bank Only	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
At December 31, 2025
Total risk-based capital (to risk-weighted assets)	$	385,215		13.96	%	$	220,788		8.00	%	$	289,785		10.50	%	$	275,986		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)	$	351,232		12.73	%	$	165,591		6.00	%	$	234,588		8.50	%	$	220,788		8.00	%
Tier 1 leverage capital (to average assets)	$	351,232		10.96	%	$	128,160		4.00	%	$	N/A		N/A		$	160,200		5.00	%
CET 1 capital (to risk-weighted assets)	$	351,232		12.73	%	$	124,194		4.50	%	$	193,190		7.00	%	$	179,391		6.50	%

At December 31, 2024
Total risk-based capital (to risk-weighted assets)	$	368,953		14.18	%	$	208,174		8.00	%	$	273,228		10.50	%	$	260,218		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)	$	336,416		12.93	%	$	156,131		6.00	%	$	221,185		8.50	%	$	208,174		8.00	%
Tier 1 leverage capital (to average assets)	$	336,416		11.24	%	$	119,741		4.00	%	$	N/A		N/A		$	149,676		5.00	%
CET 1 capital (to risk-weighted assets)	$	336,416		12.93	%	$	117,098		4.50	%	$	182,152		7.00	%	$	169,141		6.50	%

	At December 31,
Company Only	2025			2024
Total risk-based capital (to risk-weighted assets)		14.25	%		14.53	%
Tier 1 risk-based capital (to risk-weighted assets)		11.21	%		11.36	%
Tier 1 leverage capital (to average assets)		9.66	%		9.87	%
CET 1 capital (to risk-weighted assets)		11.21	%		11.36	%

Note 18 - Stock-based Compensation - Schedule of Stock Option Awards (Details) (Parentheticals)	12 Months Ended
	Dec. 31, 2025
The 2018 Equity Incentive Plan [Member]
Expected Forfeiture Rate	0.31%

Note 10 - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Liability for Uncertainty in Income Taxes, Current	$ 0	$ 0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense	$ 0	$ 0	$ 0
Domestic Tax Jurisdiction [Member]
Open Tax Year	2022 2023 2024 2025
State and Local Jurisdiction [Member]
Open Tax Year	2022 2023 2024 2025

Note 8 - Employee Benefits

12 Months Ended

Dec. 31, 2025

Compensation and Employee Benefit Plans [Text Block]

NOTE 8 – EMPLOYEE BENEFITS

401(k) Plan

The Company has a salary deferral 401(k) Plan covering substantially all of its employees. Employees are eligible to participate in the 401(k) plan at the date of hire if they are 18 years of age. Eligible employees may contribute through payroll deductions and are 100% vested at all times in their deferral contributions account. The Company matches 100% for contributions of 1% to 3%, and 50% for contributions of 4% to 5%. The Company made matching contributions of $1.9 million, $1.9 million, and $1.7 million for the years ended December 31, 2025, 2024 and 2023, respectively.

Employee Stock Purchase Plan

The Company maintains an Employee Stock Purchase Plan (“ESPP”) under which eligible employees may purchase shares of the Company’s common stock through payroll deductions during defined offering periods. Employees may contribute up to a specified percentage of eligible compensation, and the purchase price of shares equal to the fair market value of the Company's common stock on the purchase date. The Company provides a matching contribution equal to 25% of employee contributions, which is used to acquire additional shares on the employee’s behalf. Compensation expense recognized in connection with the ESPP was $248,000, $221,000, and $207,000 for the years ended December 31, 2025, 2024, and 2023, respectively, and is included in salaries and employee benefits expense in the Consolidated Statements of Income. Shares issued under the ESPP are issued from the shares previously approved for issuance under the plan. As of December 31, 2025, approximately 890,672 shares remained available for future issuance under the ESPP.

Note 19 - Business Segments

12 Months Ended

Dec. 31, 2025

Segment Reporting Disclosure [Text Block]

NOTE 19 – BUSINESS SEGMENTS

The Company’s reportable segments are determined by the Chief Financial Officer (“CFO”), who is the designated chief operating decision maker or CODM, based upon information provided about the Company's products and services offered, primarily distinguished between commercial and consumer banking and home lending. They are also distinguished by the level of information provided to the CFO, who uses such information to review performance of various components of business for each branch and home lending office, which are aggregated if operating performance, products/services, and customers are similar. The CFO evaluates the financial performance of the Company's business components such as by evaluating revenue streams, significant expenses, and budget to actual results in assessing the performance of the Company's segments and in the determination of allocating resources. The CFO uses revenue streams to evaluate product pricing and significant expenses to assess performance of each segment to evaluate compensation of certain employees. Segment pretax profit or loss is used to assess the performance of the banking segment by monitoring the margin between interest revenue and interest expense. Segment pretax profit or loss is used to assess the performance of the home lending segment by monitoring the premium received on loans sales. Loans, investments, and deposits provide the revenues in the commercial and consumer banking operation, and servicing fees and loan sales provide the revenues in home lending. Interest expense, provisions for credit losses, and payroll provide the significant expenses in commercial and consumer banking, and cost of loan sales and payroll provide the significant expenses in home lending. All operations are domestic and the Company has no major customers providing greater than 10% of total segment revenue. The Company does not have any material intra-entity sales or transfers, aside from certain allocations of interest expense and loan servicing cost from the commercial and consumer banking segment to the home lending segment.

The Company uses various management accounting methodologies to assign certain income statement items to the responsible operating segment, including:

●	a funds transfer pricing (“FTP”) system, which allocates interest income credits and funding charges between the segments, assigning to each segment a funding credit for its liabilities, such as deposits, and a charge to fund its assets;

●	a cost per loan serviced allocation based on the number of loans being serviced on the balance sheet and the number of loans serviced for third parties;

●	an allocation based upon the approximate square footage utilized by the home lending segment in Company owned locations;

●	an allocation of charges for services rendered to the segments by centralized functions, such as corporate overhead, which are generally based on the number of full-time employees (“FTEs”) in each segment; and

●	an allocation of the Company’s consolidated income taxes which are based on the effective tax rate applied to the segment’s pretax income or loss.

Segment assets are primarily allocated based on loan origination channel. The home lending segment is limited to residential mortgage and home equity loans originated through the home lending platform. The home lending segment additionally includes related accrued interest receivable and the Company's MSR assets. The commercial and consumer banking segment includes the remainder of the loan portfolio, the assets of the retail branch network and administrative buildings, as well as the investment portfolio and other assets of the Bank. A description of the Company’s business segments and the products and services they provide is as follows:

Commercial and Consumer Banking Segment

The commercial and consumer banking segment provides diversified financial products and services to our commercial and consumer customers through Bank branches, online banking platforms, mobile banking apps, and telephone banking. These products and services include deposit products; residential, consumer, business and commercial real estate lending portfolios and cash management services. The Company originates consumer loans, commercial and multi-family real estate loans, construction loans for residential and multi-family construction, and commercial business loans. At December 31, 2025, the Company’s retail deposit branch network consisted of 27 branches in the Pacific Northwest. This segment is also responsible for the management of the investment portfolio and other assets of the Bank.

Home Lending Segment

The home lending segment originates one-to-four-family residential mortgage loans primarily for sale in the secondary markets as well as loans held for investment. A majority of these mortgage loans are sold to or securitized by FNMA, FHLMC, GNMA or the FHLB of Des Moines, while the Company generally retains the right to service these loans. Loans originated under the guidelines of the Federal Housing Administration (“FHA”), US Department of Veterans Affairs (“VA”), and United States Department of Agriculture (“USDA”) are generally sold servicing released to a correspondent bank or mortgage company. The Company has the option to sell loans on a servicing-released or servicing-retained basis to securitizers and correspondent lenders. A small percentage of its loans are brokered to other lenders. On occasion, the Company may sell a portion of its MSRs portfolio and may sell small pools of loans initially originated to be held in the loan portfolio. The Company manages the loan funding and the interest rate risk associated with the secondary market loan sales and the retained one-to-four-family MSRs within this business segment. One-to-four-family loans originated for investment and held in this segment are allocated to the home lending segment with a corresponding provision expense and FTP for cost of funds. Noninterest expense includes allocated overhead expense from general corporate activities. Allocation is determined based on a combination of segment assets and FTEs.

Segment Financial Results

Accounting policies for segments are consistent with those described in “Note 1 – Basis of Presentation and Summary of Significant Accounting Policies.” Segment performance is evaluated using net income. Indirect expenses are allocated based on segment assets and full-time equivalent employees (“FTEs”). Transactions among segments are made at fair value. Information reported internally for performance assessment by the CFO follows, inclusive of reconciliations of significant segment totals to the financial statements at or for the years indicated:

	At or For the Year Ended December 31, 2025
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	146,140		$	35,741		$	181,881
Interest income - other interest earnings assets		15,365			—			15,365
Total interest income by segment		161,505			35,741			197,246

Gain on sale of loans		63			8,217			8,280
Other income		11,239			2,758			13,997
Intersegment income		(1,295	)		1,295			—
Total noninterest income by segment		10,007			12,270			22,277

Total income by segment		171,512			48,011			219,523

Expense:
Interest expense - deposits		57,649			20			57,669
Interest expense - borrowings		7,229			—			7,229
Interest expense - subordinated note		1,541			401			1,942
Interest expense - intersegment		(24,048	)		24,048			—
Total interest expense by segment		42,371			24,469			66,840

Provision for credit losses by segment		9,001			545			9,546

Salaries and benefits		32,355			7,709			40,064
Overhead allocation		23,352			7,370			30,722
Other segment items⁽¹⁾		25,794			5,437			31,231
Total noninterest expense by segment		81,501			20,516			102,017

Income before provision for income taxes by segment		38,639			2,481			41,120
Provision for income taxes by segment		(7,305	)		(469	)		(7,774	)
Net income by segment	$	31,334		$	2,012		$	33,346

Other segment disclosures:
Segment assets	$	2,538,874		$	657,973		$	3,196,847
FTEs		462			118			580

	At or For the Year Ended December 31, 2024
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	139,996		$	30,861		$	170,857
Interest income - other interest earnings assets		13,980			—			13,980
Total interest income by segment		153,976			30,861			184,837

Gain on sale of loans		—			8,557			8,557
Gain on sale of MSRs		6,473			1,883			8,356
Loss on sale of investment securities		—			—			—
Other income		1,856			2,787			4,643
Intersegment income		898			(898	)		—
Total noninterest income by segment		9,227			12,329			21,556

Total income by segment		163,203			43,190			206,393

Expense:
Interest expense - deposits		53,156			7			53,163
Interest expense - borrowings		6,627			—			6,627
Interest expense - subordinated note		1,555			387			1,942
Interest expense - intersegment		(20,666	)		20,666			—
Total interest expense by segment		40,672			21,060			61,732

Provision for credit losses by segment		5,393			118			5,511

Salaries and benefits		26,609			8,470			35,079
Overhead allocation		22,464			6,559			29,023
Other segment items⁽¹⁾		28,542			4,925			33,467
Total noninterest expense by segment		77,615			19,954			97,569

Income before provision for income taxes by segment		39,523			2,058			41,581
(Provision) benefit for income taxes by segment		(6,733	)		176			(6,557	)
Net income by segment	$	32,790		$	2,234		$	35,024

Other segment disclosures:
Segment assets	$	2,410,777		$	618,400		$	3,029,177
FTEs		447			115			562

	At or For the Year Ended December 31, 2023
	Commercial
	and Consumer
Income:	Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	127,947		$	26,998		$	154,945
Interest income - other interest earnings assets		12,247			—			12,247
Total interest income by segment		140,194			26,998			167,192

Gain on sale of loans		—			6,711			6,711
Other income		9,178			4,601			13,779
Intersegment income		1,190			(1,190	)		—
Total noninterest income by segment		10,368			10,122			20,490

Total income by segment		150,562			37,120			187,682

Expense:
Interest expense - deposits		36,743			8			36,751
Interest expense - borrowings		5,196			—			5,196
Interest expense - subordinated note		1,581			361			1,942
Interest expense - intersegment		(15,063	)		15,063			—
Total interest expense by segment		28,457			15,432			43,889

Provision for credit losses by segment		3,494			1,280			4,774

Salaries and benefits		25,623			9,749			35,372
Corporate overhead allocation		21,266			6,109			27,375
Other segment items⁽¹⁾		26,878			4,122			31,000
Total noninterest expense by segment		73,767			19,980			93,747

Income before provision for income taxes by segment		44,844			428			45,272
Provision for income taxes by segment		(9,132	)		(87	)		(9,219	)
Net income by segment	$	35,712		$	341		$	36,053

Other segment disclosures:
Segment assets	$	2,420,930		$	551,739		$	2,972,669
FTEs		447			123			570

________________________

(1)	Other segments items include operations, occupancy, data processing, loan costs, professional and board fees, marketing and advertising, and (recovery) impairment of MSRs.

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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Cybersecurity Risk Management, Strategy, and Governance [Line Items]

Note 11 - Commitments and Contingencies (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 31,937,000	$ 31,870,000	$ 31,534,000	$ 27,992,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	8,888,000	5,299,000	2,228,000
Proceeds from Sale, Loan, Held-for-Sale	561,218,000	571,287,000	411,484,000
Other Liabilities	30,656,000	31,036,000
Holdback Reserve For Guaranteed Loans [Member]
Other Liabilities	1,800,000	2,000,000
Federal Home Loan Bank of Des Moines [Member]
Proceeds from Sale, Loan, Held-for-Sale	$ 8,300,000
Escrow Holdback Relative to Outstanding Credit Enhancement (CE) Obligation, Percentage	10.00%
Escrow Holdback Relative to Outstanding Credit Enhancement (CE) Obligation	$ 39,000
Federal Home Loan Bank of Des Moines [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Proceeds from Sale, Loan, Held-for-Sale	0	0
Federal Home Loan Bank of Des Moines [Member] \| Recourse [Member]
First Loss Account (FLA)	581,000
Credit Enhancement (CE) Obligation	$ 389,000
Credit Enhancement (CE) Obligation, Percentage of Outstanding Loans	4.70%
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 5,959,000	7,001,000	7,293,000	$ 7,056,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	2,300,000	(0)	$ (0)
Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	1,800,000	1,400,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	360,000	$ (123,000)
Commercial and Speculative Construction and Development [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commitments to Extend Credit [Member]
Financing Receivable, Excluding Accrued Interest, Increase/Decrease in Provisions	$ 63,200,000

Cybersecurity Risk Management and Strategy Disclosure

12 Months Ended

Dec. 31, 2025

Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]

Risk Management Strategy

As a financial institution, cybersecurity presents significant risks that could materially impact the Company’s operations, financial performance, and reputation. A successful cyberattack could result in operational disruptions, financial losses, regulatory scrutiny, legal liability, and reputational damage. Accordingly, the protection of customer and business information is a top priority. Cybersecurity risk management is a component of the Company’s formal Information Security Program. The Information Security Program is incorporated into the Company’s Enterprise Risk Management Program, ensuring a holistic approach to risk prevention, detection, mitigation, and remediation of cybersecurity threats.

The Information Security Program is based on regulation and guidance established by agencies, including but not limited to, the Federal Financial Institutions Counsel (“FFIEC”) and the FDIC. The Information Security Program begins with risk assessment. At least annually, the Company’s Information Security team completes an information security risk assessment in accordance with regulatory guidance. While cyber threats are included in the overall information security risk assessment, a targeted cybersecurity risk assessment is also completed, utilizing the FFIEC Cybersecurity Assessment Tool (“FFIEC CAT”). The FFIEC CAT specifically assesses the maturity and effectiveness of the Bank’s cybersecurity programs. In addition to the FFIEC CAT, the Bank partners with internal and external auditors to conduct various assessments throughout the year to identify, manage, and mitigate cybersecurity risks. The assessments conducted include but are not limited to: vulnerability assessments, penetration testing, social engineering, and onsite security assessments. Risk assessments consider size and complexity, are formally documented, and adapt to changes in the technology and organizational environment. Management and the Board of Directors use risk assessment data to make informed risk management decisions based on a full understanding of the risks. Management and the Board also consider the results of these assessments when overseeing operations. A strong, high-level risk assessment process provides the foundation for more detailed assessments within the functional risk management areas, as well as improves policy and internal control decisions across the organization.

Information Security Risk Assessment

Information security controls result from an effective risk assessment process. The Company identifies, measures, controls, and monitors threats to avoid risks that threaten the safety and soundness of the organization. In accordance with the Gramm-Leach-Bliley Act (GLBA) and FDIC regulation 12 CFR Part 364 Appendix B III B, the objectives of the information security risk assessment include:

●

Identifying reasonably foreseeable internal and external threats that could result in unauthorized disclosure, misuse, alteration, or destruction of customer information or customer information systems.

●

Assessing the likelihood and potential damage of these threats, taking into consideration the sensitivity of customer information.

●

Assessing the sufficiency of policies, procedures, customer information systems, and other arrangements in place to control risks.

Cybersecurity Risk Assessment

Cybersecurity is an integral subset of information security and refers to anything intended to protect enterprises and individuals from intentional attacks, breaches, incidents, and consequences. The foundation of this protection begins with identifying the risk of these threats and assessing the controls in place to mitigate such risks. The Company has included cyber threats in its information security risk assessment in accordance with regulatory guidance and conducts a targeted cyber risk assessment using the FFIEC CAT. Utilizing the FFIEC CAT, the Company’s inherent risk profile is documented along with its maturity level and effectiveness in managing cyber risk.

Both the Information Security Risk Assessment and the FFIEC CAT results are presented to, and approved by, the Audit Committee of the Board of Directors at least annually.

Risk Management Plan

Once risk assessments are complete, a risk management plan is prepared to ensure controls are developed or enhanced to mitigate risks to acceptable levels. The Risk Management Plan is presented to, and approved by, the Audit Committee of the Board of Directors annually and progress on remediation activities is shared quarterly.

Information Security Program

●

Vendor Management. The Company maintains a formally documented Vendor Management Program that includes an information security review of all new and existing third-party vendor relationships. The Vendor Management team ensures initial and ongoing due diligence is performed on all third-party relationships according to policy. Quarterly Vendor Management program updates are provided, and the policy is reviewed and approved annually by the Audit Committee of the Board of Directors.

●

Implementation of a multi-faceted threat intelligence gathering process. The Information Security and Information Technology teams subscribe to several threat intelligence news feeds and regularly attend cybersecurity threat intelligence webinars, trainings, and peer groups. Information on threat gathering is included in a quarterly report to the Board of Directors.

●

Implementation of a multi-layered defense strategy to fortify information protection. Technical, physical, and administrative control redundancies are deployed to ensure multiple layers of protection are in place against cyber threats. Control design and operating effectiveness is tested regularly by independent audit firms and reported to senior management and the Audit Committee of the Board of Directors.

●

Comprehensive security awareness training and testing for all bank employees. Various communication strategies to communicate new and existing cybersecurity threats are used. Employees receive regular virtual and in-person security awareness training through simulated tests, online training courses, company communications, and in-person training and testing events. Training and testing efforts are included in the quarterly update to the Board of Directors.

●

Incident Response. A comprehensive Incident Response Plan has been developed and tested. The Plan contains information for employees to ensure they can recognize, investigate, communicate, prevent, and document an incident that threatens the confidentiality, integrity, or availability of information or systems. All incidents are reported to, and the Plan is reviewed and approved by, the Audit Committee of the Board of Directors.

●

Independent Audit and Testing. The Company’s Audit Department schedules and oversees a regular review of program design and effectiveness by independent third-party audit firms that specialize in technology and cybersecurity. Results are reported directly to senior management and the Audit Committee of the Board of Directors.

●

Remediation Tracking. Remediation and tracking sheets are developed for all audit and assessment results. Progress is monitored by the Audit Department and reported to the Audit Committee of the Board of Directors regularly.

●

Cyber Insurance Coverage. The Company maintains a cyber insurance policy as part of its overall risk management strategy to mitigate financial losses in the event of a cybersecurity incident.

Cybersecurity Risk Management Processes Integrated [Flag]

false

Cybersecurity Risk Management Processes Integrated [Text Block]

Cybersecurity Risk Management Third Party Engaged [Flag]

true

Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]

true

Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]

false

Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]

As of the reporting period, the Company has not experienced any material cybersecurity incidents that have had a significant impact on operations, data integrity, or financial performance. However, the Company continuously monitors and evaluates cybersecurity threats, including those affecting third-party service providers. While some third-party vendors have reported cybersecurity events, none have materially impacted the Company's systems, computing environments, or customer data.

Cybersecurity Risk Board of Directors Oversight [Text Block]

Governance

The Company’s Board of Directors provides active oversight of cybersecurity threats in accordance with the Board-approved Information Security Policy and Program. Direct oversight of the Program is delegated to the Audit Committee of the Board of Directors. The Audit Committee has an established risk appetite statement that defines the Company’s risk acceptance tolerance. The Audit Committee reviews and approves the Risk Appetite statement annually. The Audit Committee also plays a critical role in overseeing the Bank’s efforts to develop, implement, and maintain an effective Information Security Program. With direction and oversight by the Audit Committee, the Bank’s Chief Risk Officer (“CRO”) oversees the enterprise-wide risk management program, and the Chief Information Officer (“CIO”) and the Information Security Manager are the Board-appointed Information Security Officers, responsible for the Information Security Program, including cybersecurity. The CRO, CIO, and Information Security Manager report cybersecurity related matters directly to the Audit Committee.

The Information Security team, engaged in enterprise-wide cybersecurity strategy, policy, standards, architecture, and processes, ensures a complete approach to safeguarding the confidentiality, integrity, and availability of sensitive information. The Information Security team consists of experienced information security professionals and is led by the CIO. The CIO has more than 25 years of information technology and banking leadership experience and holds a Certified Information Systems Security Professional (“CISSP”) designation. Reporting to the CIO is the Information Security Manager who has more than 10 years of cybersecurity experience in the Financial Institution industry and possesses a master’s degree in information systems management with an emphasis in cybersecurity. Complementing the independent Information Security team, is the Information Technology (IT) team. The IT System Administration & Engineering Manager has over 10 years financial institution technology experience and a master’s degree in information systems management with a cybersecurity management specialization and the Systems Support Manager has over 20 years of financial institution technology experience, ensuring technology operations occur with a security-focused mindset. In addition to experienced information security and information technology teams, the Company engages with industry experts for managed security services. This collaborative effort includes threat intelligence gathering, firewall management, intrusion detection system monitoring, intrusion prevention services, and security information and event management monitoring, ensuring round-the-clock protection.

The Vendor Management team ensures compliance with the organization’s Vendor Management Policy, including initial and ongoing due diligence of all third-party providers.

Risk assessments and risk management plans are developed, communicated, and tracked. Annually, the CIO and Information Security Manager present the Information Security Risk Assessment to the IT Steering Committee and to the Audit Committee of the Board of Directors for review and approval. Quarterly, the CIO and Information Security Manager provide an Information Security Risk Management Plan status report to the Audit Committee and an Information/Cybersecurity Status report to the full Board of Directors. Reports encompass internal information and cybersecurity assessments, business continuity plans, disaster recovery measures, incident response planning and testing, patch management and vendor management program statuses, as well as internal self-audit results. The information security risk assessment and updates on projects aimed at fortifying information security systems and emerging cybersecurity threat insights are communicated to the Audit Committee, maintaining transparency, and ensuring informed decision-making. Annual review and approval of information security-related policies by the Audit Committee underscore our commitment to governance and regulatory compliance.

Audits and testing of program effectiveness are coordinated by the Company’s Senior Vice President of Audit who oversees the Audit Department and reports to the Audit Committee of the Board of Directors, independent of the technology and cybersecurity functions. The Audit Department utilizes independent third-party audit firms with technology and cybersecurity expertise. Results of all audits and independent assessments are delivered directly to senior management and the Audit Committee of the Board of Directors by the SVP of Audit.

The Information Security team serves as the Bank’s dedicated cybersecurity incident response team. Cybersecurity incident response is a sub-section of the Bank’s Incident Response Plan. The Information Security team handles the technical aspects of the Bank’s response to a cybersecurity incident. Escalation instructions are included in the Plan for engaging resources outside the Information Security team. The Board is notified immediately of cybersecurity incidents, as per the incident response instructions.

Cybersecurity Incidents

Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]

Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]

Cybersecurity Risk Role of Management [Text Block]

Cybersecurity Risk Management Positions or Committees Responsible [Flag]

true

Cybersecurity Risk Management Positions or Committees Responsible [Text Block]

Cybersecurity Risk Management Expertise of Management Responsible [Text Block]

Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]

Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]

true

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans - Schedule of Financing Receivable, Modified, Past Due (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		$ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		0
Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		0
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		0
Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		4,979
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		4,979
Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		4,979
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		$ 4,979
Commercial And Industrial [Member] \| Commercial Business Portfolio Segment [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	$ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	0
Commercial And Industrial [Member] \| Commercial Business Portfolio Segment [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	0
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	0
Commercial And Industrial [Member] \| Commercial Business Portfolio Segment [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	182
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	182
Commercial And Industrial [Member] \| Commercial Business Portfolio Segment [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	182
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	$ 182

Note 7 - Deposits - Schedule of Maturity (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Maturing in 2026	$ 1,063,138
Maturing in 2027	42,525
Maturing in 2028	11,644
Maturing in 2029	12,968
Maturing in 2030 and thereafter	121
Total	$ 1,130,396

Note 9 - Debt (Details Textual) - USD ($) $ in Thousands		12 Months Ended
Note 9 - Debt (Details Textual) - USD ($) $ in Thousands	Feb. 10, 2021	Dec. 31, 2025	Dec. 31, 2024
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available, Percentage of Total Assets		45.00%
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged		$ 1,080,000
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available		716,200
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds		583,500
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss		2,655,109	$ 2,533,821
Short-Term Debt		129,305	307,806
Fixed to Floating Rate Subordinated Note Due2031 [Member]
Debt Instrument, Face Amount	$ 50,000
Debt Instrument, Interest Rate, Stated Percentage	3.75%
Debt, Offering Price, Percentage	100.00%
Proceeds from Debt, Net of Issuance Costs	$ 49,300
Debt Instrument, Basis Spread on Variable Rate	3.37%
Federal Reserve Bank [Member]
Line of Credit Facility, Maximum Borrowing Capacity		276,900	270,400
Short-Term Debt		0	8,000
Other Financial Institutions [Member]
Short-Term Debt		0	0
Line of Credit Facility, Remaining Borrowing Capacity		101,000
Asset Pledged as Collateral [Member] \| Consumer Loan [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss		$ 580,900	$ 606,500

Note 18 - Stock-based Compensation - Schedule of Restricted Stock Awards (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Beginning balance, RSA (in shares)	103,063	102,144	118,530
Beginning balance, Nonvested, Weighted Average Grant Date Fair Value (in dollars per share)	$ 35.05	$ 29.61	$ 28.85
Granted, RSA (in shares)	37,872	42,250	37,600
Granted, Weighted Average Grant Date Fair Value (in dollars per share)	$ 40.14	$ 41.98	$ 30.73
Less vested, RSA (in shares)	(37,964)	(37,331)	(44,462)
Less vested, Weighted Average Grant Date Fair Value (in dollars per share)	$ 32.88	$ 28.46	$ 28.24
Less forfeited or expired, RSA (in shares)		(4,000)	(9,524)
Less forfeited or expired, Weighted Average Grant Date Fair Value (in dollars per share)		$ 30.73	$ 30.96
Ending balance, RSA (in shares)	102,971	103,063	102,144
Ending balance, Nonvested, Weighted Average Grant Date Fair Value (in dollars per share)	$ 37.73	$ 35.05	$ 29.61

Note 21 - Parent Company Only Financial Information (Tables)

12 Months Ended

Dec. 31, 2025

Condensed Balance Sheet [Table Text Block]

Condensed Balance Sheets	December 31,
Assets	2025		2024
Cash and due from banks	$	8,133	$	9,160
Investment in subsidiary		349,514		336,579
Other assets		716		487
Total assets	$	358,363	$	346,226
Liabilities and stockholders' equity
Subordinated notes, net		49,661		49,594
Other liabilities		1,008		865
Total liabilities		50,669		50,459
Stockholders' equity		307,694		295,767
Total liabilities and stockholders' equity	$	358,363	$	346,226

Condensed Income Statement [Table Text Block]

Condensed Statements of Income	Year Ended December 31,
	2025			2024			2023
Dividends received from subsidiary	$	24,010		$	11,832		$	8,919
Interest expense on subordinated note		(1,942	)		(1,942	)		(1,942	)
Other expenses		(936	)		(452	)		(278	)
Income before income tax benefit and equity in undistributed net income of subsidiary		21,132			9,438			6,699
Income tax benefit		590			488			458
Equity in undistributed earnings of subsidiary		11,624			25,098			28,896
Net income	$	33,346		$	35,024		$	36,053

Condensed Cash Flow Statement [Table Text Block]

Condensed Statements of Cash Flows	Year Ended December 31,
	2025			2024			2023
Cash flows from operating activities:
Net income	$	33,346		$	35,024		$	36,053
Equity in undistributed net income of subsidiary		(11,624	)		(25,098	)		(28,896	)
Amortization		67			67			66
Share-based compensation expense related to stock options and restricted stock		2,254			1,806			2,010
Changes in operating assets and liabilities
Other assets		(229	)		(29	)		246
Other liabilities		143			13			18
Net cash from operating activities		23,957			11,783			9,497
Cash flows used by financing activities:
Disbursements from stock options exercised		(57	)		(1,633	)		(273	)
Common stock repurchased for employee/director taxes paid on restricted stock awards		(464	)		(386	)		(355	)
Issuance of common stock - employee stock purchase plan		1,222			1,075			1,017
Common stock repurchased		(15,423	)		(2,508	)		(223	)
Dividends paid on common stock		(10,262	)		(8,265	)		(7,764	)
Net cash used by financing activities		(24,984	)		(11,717	)		(7,598	)
Net (decrease) increase in cash and cash equivalents		(1,027	)		66			1,899
Cash and cash equivalents, beginning of year		9,160			9,094			7,195
Cash and cash equivalents, end of year	$	8,133		$	9,160		$	9,094

Note 2 - Investments (Details Textual) - USD ($)	12 Months Ended
Note 2 - Investments (Details Textual) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Held-to-Maturity, Accrued Interest, before Allowance for Credit Loss	$ 271,000	$ 116,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss	1,200,000	1,200,000
Debt Securities, Held-to-Maturity, Nonaccrual	0	0
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	33,501,000	8,500,000
Expected Credit Losses on Investments	0	0	$ 0
Proceeds from Sale of Debt Securities, Available-for-Sale	$ 0	$ 101,907,000	$ 0
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest Receivable	Interest Receivable
Asset Pledged as Collateral [Member] \| Deposits [Member]
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, before Allowance for Credit Loss	$ 22,800,000	$ 34,400,000

Note 17 - Accumulated Other Comprehensive Income (Loss) - Changes in Accumulated Other Comprehensive Income (Loss) by Component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Balance	$ 295,767	$ 264,488	$ 231,697
Other comprehensive income, net of tax	1,311	6,166	2,326
Balance	307,694	295,767	264,488
Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]
Balance	5,700	4,766	7,761
Other comprehensive (loss) income before reclassification, net of tax	(2,257)	6,074	1,296
Amounts reclassified from accumulated other comprehensive loss, net of tax	(2,451)	(5,140)	(4,291)
Other comprehensive income, net of tax	(4,708)	934	(2,995)
Balance	992	5,700	4,766
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Balance	(22,840)	(28,072)	(33,393)
Other comprehensive (loss) income before reclassification, net of tax	6,019	(919)	5,321
Amounts reclassified from accumulated other comprehensive loss, net of tax	0	6,151	0
Other comprehensive income, net of tax	6,019	5,232	5,321
Balance	(16,821)	(22,840)	(28,072)
AOCI Attributable to Parent [Member]
Balance	(17,140)	(23,306)	(25,632)
Other comprehensive (loss) income before reclassification, net of tax	3,762	5,155	6,617
Amounts reclassified from accumulated other comprehensive loss, net of tax	(2,451)	1,011	(4,291)
Other comprehensive income, net of tax	1,311	6,166	2,326
Balance	$ (15,829)	$ (17,140)	$ (23,306)

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

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

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

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Note 2 - Investments - Schedule of Amortized Costs and Fair Values of Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Amortized cost, available for sale securities	$ 310,097	$ 310,272
Gross unrealized gains, available for sale securities	833	471
Gross unrealized losses, available for sale securities	(22,263)	(29,568)
Total securities available-for-sale, fair value	288,667	281,175
Available-for-Sale, Allowance for Credit Loss	0	0
Amortized cost, held to maturity securities	33,501	8,500
Gross unrealized gains, held to maturity securities	1,044	0
Gross unrealized losses, held to maturity securities	(149)	(356)
Securities held-to-maturity, at fair value	34,396	8,144
Securities held-to-maturity, ACL	277	45	$ 45	$ 31
Amortized cost, available for sale and held to maturity securities	343,598	318,772
Gross unrealized gains, available for sale and held to maturity securities	1,877	471
Gross unrealized losses, available for sale and held to maturity securities	(22,412)	(29,924)
Total securities, fair value	323,063	289,319
ACL, available for sale and held to maturity securities	277	45
US Government Agencies Debt Securities [Member]
Amortized cost, available for sale securities	20,264	20,247
Gross unrealized gains, available for sale securities	66	45
Gross unrealized losses, available for sale securities	(2,203)	(3,154)
Total securities available-for-sale, fair value	18,127	17,138
Available-for-Sale, Allowance for Credit Loss	0	0
Corporate Debt Securities [Member]
Amortized cost, available for sale securities	16,000	16,000
Gross unrealized gains, available for sale securities	5	8
Gross unrealized losses, available for sale securities	(619)	(882)
Total securities available-for-sale, fair value	15,386	15,126
Available-for-Sale, Allowance for Credit Loss	0	0
Amortized cost, held to maturity securities	31,393	8,500
Gross unrealized gains, held to maturity securities	831	0
Gross unrealized losses, held to maturity securities	(149)	(356)
Securities held-to-maturity, at fair value	32,075	8,144
Securities held-to-maturity, ACL	277	45
Municipal Bonds [Member]
Amortized cost, available for sale securities	81,156	82,774
Gross unrealized gains, available for sale securities	4	0
Gross unrealized losses, available for sale securities	(9,755)	(12,430)
Total securities available-for-sale, fair value	71,405	70,344
Available-for-Sale, Allowance for Credit Loss	0	0
Amortized cost, held to maturity securities	2,108
Gross unrealized gains, held to maturity securities	213
Gross unrealized losses, held to maturity securities	0
Securities held-to-maturity, at fair value	2,321
Securities held-to-maturity, ACL	0
Collateralized Mortgage-Backed Securities [Member]
Amortized cost, available for sale securities	181,849	178,740
Gross unrealized gains, available for sale securities	757	415
Gross unrealized losses, available for sale securities	(9,039)	(11,969)
Total securities available-for-sale, fair value	173,567	167,186
Available-for-Sale, Allowance for Credit Loss	0	0
Asset-Backed Securities [Member]
Amortized cost, available for sale securities	10,828	12,511
Gross unrealized gains, available for sale securities	1	3
Gross unrealized losses, available for sale securities	(647)	(1,133)
Total securities available-for-sale, fair value	10,182	11,381
Available-for-Sale, Allowance for Credit Loss	$ 0	$ 0

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Cash and due from banks	$ 13,504	$ 19,280
Interest-bearing deposits at other financial institutions	14,715	12,355
Total cash and cash equivalents	28,219	31,635
Certificates of deposit at other financial institutions	0	1,727
Securities available-for-sale, at fair value (amortized cost of $310,097 and $310,272, net of allowance for credit losses of $0 and $0, respectively)	288,667	281,175
Securities held-to-maturity, at amortized cost (fair value of $34,396 and $8,144, net of allowance for credit losses of $277 and $45, respectively)	33,224	8,455
Loans held for sale, at fair value	43,705	27,835
Loans receivable, net of allowance for credit losses of $31,937 and $31,870 (includes loans of $13,183 and $12,728, at fair value, respectively)	2,623,172	2,501,951
Interest Receivable	14,614	13,881
Premises and equipment, net	44,065	29,756
Long-lived assets held for sale	3,258	0
Operating lease right-of-use (“ROU”) assets	5,789	5,378
Federal Home Loan Bank (“FHLB”) stock, at cost	7,971	15,621
Deferred tax asset, net	6,993	7,059
Bank owned life insurance (“BOLI”), net	36,249	38,528
Goodwill	3,592	3,592
Core deposit intangible, net	10,518	13,710
Other assets	38,203	39,670
TOTAL ASSETS	3,196,847	3,029,177
LIABILITIES
Noninterest-bearing accounts	658,123	638,158
Interest-bearing accounts	2,015,519	1,701,260
Total deposits	2,673,642	2,339,418
Borrowings	129,305	307,806
Subordinated notes:
Principal amount	50,000	50,000
Unamortized debt issuance costs	(339)	(406)
Total subordinated notes less unamortized debt issuance costs	49,661	49,594
Operating lease liabilities	5,889	5,556
Other liabilities	30,656	31,036
Total liabilities	2,889,153	2,733,410
COMMITMENTS AND CONTINGENCIES (NOTE 11)
STOCKHOLDERS’ EQUITY
Preferred stock, $.01 par value; 5,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $.01 par value; 45,000,000 shares authorized; 7,507,519 and 7,833,014 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively	75	78
Additional paid-in capital	43,251	55,716
Retained earnings	280,197	257,113
Accumulated other comprehensive loss, net of tax	(15,829)	(17,140)
Total stockholders’ equity	307,694	295,767
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	3,196,847	3,029,177
Mortgage Servicing Rights [Member]
Mortgage servicing rights (“MSRs”), held at the lower of cost or fair value	$ 8,608	$ 9,204

Note 22 - Definitive Agreement (Details Textual) - USD ($)	Feb. 25, 2026	Dec. 31, 2025	Dec. 31, 2024
Assets		$ 3,196,847,000	$ 3,029,177,000
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss		2,623,172,000	2,501,951,000
Deposits		2,673,642,000	$ 2,339,418,000
Pacific West [Member]
Assets		386,000,000
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss		276,600,000
Deposits		$ 342,200,000
Subsequent Event [Member]
Share Price (in dollars per share)	$ 41.26
Subsequent Event [Member] \| Pacific West Shareholders [Member]
Subsidiary, Ownership Percentage, Noncontrolling Owner	5.40%
Subsequent Event [Member] \| Pacific West [Member]
Business Combination, Consideration Transferred, Equity Interest, Share Issued, Number of Shares (in shares)	430,176
Payments to Acquire Businesses, Gross	$ 16,832,742
Business Combination, Consideration Transferred	$ 34,600,000
Business Combination, Consideration Transferred, Price per Share (in dollars per share)	$ 12.52

Note 2 - Investments - Schedule of Investments in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Less than 12 months, fair value, available for sale securities	$ 42,202	$ 43,189
Less than 12 months, unrealized loss, available for sale securities	(444)	(511)
12 months or longer, unrealized loss, fair value, available for sale securities	165,674	160,221
12 months or longer, unrealized loss, available for sale securities	(21,819)	(29,057)
Available for sale securities, fair value, total	207,876	203,410
Available for sale securities, unrealized losses	(22,263)	(29,568)
Less than 12 months, fair value, held to maturity	6,788	0
Less than 12 months, unrealized loss, held to maturity securities	(84)	0
12 months or longer, unrealized loss, fair value, held to maturity securities	935	8,144
12 months or longer, unrealized loss, held to maturity securities	(65)	(356)
Held to maturity securities, fair value	7,723	8,144
Held-to-maturity, unrealized losses	(149)	(356)
Less than 12 months, fair value	48,990	43,189
Less than 12 months, unrealized loss	(528)	(511)
12 months or longer, fair value	166,609	168,365
12 months or longer, unrealized loss	(21,884)	(29,413)
Debt Securities, fair value, total	215,599	211,554
Debt securities, unrealized loss	(22,412)	(29,924)
US Government Agencies Debt Securities [Member]
Less than 12 months, fair value, available for sale securities	0	0
Less than 12 months, unrealized loss, available for sale securities	0	0
12 months or longer, unrealized loss, fair value, available for sale securities	16,061	15,093
12 months or longer, unrealized loss, available for sale securities	(2,203)	(3,154)
Available for sale securities, fair value, total	16,061	15,093
Available for sale securities, unrealized losses	(2,203)	(3,154)
Corporate Debt Securities [Member]
Less than 12 months, fair value, available for sale securities	3,961	6,781
Less than 12 months, unrealized loss, available for sale securities	(39)	(219)
12 months or longer, unrealized loss, fair value, available for sale securities	8,420	5,337
12 months or longer, unrealized loss, available for sale securities	(580)	(663)
Available for sale securities, fair value, total	12,381	12,118
Available for sale securities, unrealized losses	(619)	(882)
Less than 12 months, fair value, held to maturity	6,788	0
Less than 12 months, unrealized loss, held to maturity securities	(84)	0
12 months or longer, unrealized loss, fair value, held to maturity securities	935	8,144
12 months or longer, unrealized loss, held to maturity securities	(65)	(356)
Held to maturity securities, fair value	7,723	8,144
Held-to-maturity, unrealized losses	(149)	(356)
Municipal Bonds [Member]
Less than 12 months, fair value, available for sale securities	0	1,677
Less than 12 months, unrealized loss, available for sale securities	0	(10)
12 months or longer, unrealized loss, fair value, available for sale securities	70,228	68,667
12 months or longer, unrealized loss, available for sale securities	(9,755)	(12,420)
Available for sale securities, fair value, total	70,228	70,344
Available for sale securities, unrealized losses	(9,755)	(12,430)
Collateralized Mortgage-Backed Securities [Member]
Less than 12 months, fair value, available for sale securities	35,194	31,093
Less than 12 months, unrealized loss, available for sale securities	(380)	(241)
12 months or longer, unrealized loss, fair value, available for sale securities	64,321	63,934
12 months or longer, unrealized loss, available for sale securities	(8,659)	(11,728)
Available for sale securities, fair value, total	99,515	95,027
Available for sale securities, unrealized losses	(9,039)	(11,969)
Asset-Backed Securities [Member]
Less than 12 months, fair value, available for sale securities	3,047	3,638
Less than 12 months, unrealized loss, available for sale securities	(25)	(41)
12 months or longer, unrealized loss, fair value, available for sale securities	6,644	7,190
12 months or longer, unrealized loss, available for sale securities	(622)	(1,092)
Available for sale securities, fair value, total	9,691	10,828
Available for sale securities, unrealized losses	$ (647)	$ (1,133)

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Loans receivable, including fees	$ 181,881	$ 170,857	$ 154,945
Interest and dividends on investment securities, cash and cash equivalents, and certificates of deposit at other financial institutions	15,365	13,980	12,247
Total interest and dividend income	197,246	184,837	167,192
INTEREST EXPENSE
Deposits	57,669	53,163	36,751
Borrowings	7,229	6,627	5,196
Subordinated notes	1,942	1,942	1,942
Total interest expense	66,840	61,732	43,889
NET INTEREST INCOME	130,406	123,105	123,303
PROVISION FOR CREDIT LOSSES	9,546	5,511	4,774
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	120,860	117,594	118,529
NONINTEREST INCOME
Service charges and fee income	9,126	10,026	11,138
Gain on sale of loans	8,280	8,557	6,711
Gain on sale of MSRs	0	8,356	0
Loss on sale of investment securities, net	0	(7,836)	0
Earnings on cash surrender value of BOLI	1,035	990	920
Other noninterest income	3,836	1,463	1,721
Total noninterest income	22,277	21,556	20,490
NONINTEREST EXPENSE
Salaries and benefits	57,781	55,092	53,622
Operations	14,923	13,529	13,070
Occupancy	7,129	6,857	6,378
Data processing	7,812	8,424	6,852
Gain on sale of OREO	0	0	(148)
Loan costs	2,918	2,685	2,574
Professional and board fees	4,648	4,072	2,584
Federal Deposit Insurance Corporation (“FDIC”) insurance	2,310	2,005	2,392
Marketing and advertising	1,250	1,310	1,349
Acquisition cost	0	0	1,562
Amortization of core deposit intangible	3,192	3,633	3,464
Impairment (recovery) of MSRs	54	(38)	48
Total noninterest expense	102,017	97,569	93,747
INCOME BEFORE PROVISION FOR INCOME TAXES	41,120	41,581	45,272
PROVISION FOR INCOME TAXES	7,774	6,557	9,219
NET INCOME	$ 33,346	$ 35,024	$ 36,053
Basic earnings per share (in dollars per share)	$ 4.35	$ 4.48	$ 4.63
Diluted earnings per share (in dollars per share)	$ 4.29	$ 4.36	$ 4.56

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans

12 Months Ended

Dec. 31, 2025

Financing Receivables [Text Block]

NOTE 3 – LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES ON LOANS

The composition of the loan portfolio was as follows at the dates indicated:

	December 31,
	2025			2024
COMMERCIAL REAL ESTATE ("CRE") LOANS
CRE owner occupied	$	176,078		$	170,396
CRE non-owner occupied		177,113			174,921
Commercial and speculative construction and development		354,130			280,798
Multi-family		262,150			245,222
Total CRE loans		969,471			871,337
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		628,761			617,322
Home equity		88,271			75,147
Residential custom construction		42,329			49,902
Total residential real estate		759,361			742,371
CONSUMER LOANS
Indirect home improvement		525,842			541,946
Marine		68,115			74,931
Other consumer		3,029			3,304
Total consumer loans		596,986			620,181
COMMERCIAL BUSINESS LOANS
Commercial and industrial (“C&I”)		301,111			287,014
Warehouse lending		28,180			12,918
Total commercial business loans		329,291			299,932
Total loans receivable, gross		2,655,109			2,533,821
ACL on loans		(31,937	)		(31,870	)
Total loans receivable, net	$	2,623,172		$	2,501,951

Loan amounts are net of unearned loan fees in excess of unamortized costs, unamortized net discounts on acquired loans, and premiums on purchased loans of $8.6 million as of December 31, 2025 and $8.0 million as of December 31, 2024. Net loans do not include accrued interest receivable.

Most of the Company’s CRE and multi-family real estate, construction, residential, and commercial business lending activities are with customers located in Western Washington, the Oregon Coast, or near our loan production offices in Vancouver and the Tri-Cities, Washington. While the Company primarily originates real estate, consumer, and commercial business loans in these areas, it also originates indirect home improvement loans, including solar-related home improvement loans, through a network of home improvement contractors and dealers located throughout Washington, Oregon, California, Idaho, Colorado, Arizona, Minnesota, Nevada, Texas, Utah, Massachusetts, Montana, and New Hampshire. Depending on underwriting guidelines, these indirect home improvement loans may be secured by collateral, with legal documentation that establishes the Company's rights to the collateral, where practicable. Local economic conditions may affect borrowers’ ability to meet the stated repayment terms.

At December 31, 2025, the Company held approximately $1.08 billion in loans that are pledged as collateral for FHLB borrowings, compared to approximately $1.11 billion at December 31, 2024. The Company held approximately $580.9 million in loans that are pledged as collateral for the FRB line of credit at December 31, 2025, compared to approximately $606.5 million at December 31, 2024.

The Company has defined its loan portfolio into four segments that reflect the structure of the lending function, the Company’s strategic plan and the way management monitors performance and credit quality. The four loan portfolio segments are: (a) CRE, (b) residential real estate, (c) consumer, and (d) commercial business. Each segment is further disaggregated into classes based on the risk characteristics of the borrower and/or the collateral securing the loan. The following is a summary of the Company’s loan portfolio segments and classes:

CRE Loans

Multi-family Lending. Apartment term lending (five or more units) to current banking customers and community reinvestment loans for low- to moderate-income borrowers in the Company’s footprint.

CRE Lending. Loans originated by the Company primarily secured by income-producing properties, including retail centers, warehouses, and office buildings located in our market areas.

Commercial and Speculative Construction and Development Lending. Loans originated for the construction of, and secured by, commercial real estate, one-to-four-family, and multi-family properties and tracts of land for development that are not pre-sold. Custom one-to-four-family construction loans to the intended occupant of the residence are included under residential custom construction lending described below.

Residential Real Estate Loans

One-to-Four-Family Real Estate Lending. One-to-four-family residential loans include both owner-occupied properties (including second homes) and non-owner-occupied properties with up to four units. These loans which are originated by the Company or periodically purchased from other banks, are secured by first mortgages on one-to-four-family residences in our market areas and are intended to be held in the Company's portfolio (excludes loans held for sale).

Home Equity Lending. Loans originated by the Company secured by second mortgages on one-to-four-family residences, including home equity lines of credit within our market areas.

Residential Custom Construction Lending. Custom construction loans to the intended occupant of the one-to-four family residence.

Consumer Loans

Indirect Home Improvement. Fixture secured loans for home improvement are originated by the Company through its network of home improvement contractors and dealers. These loans are secured by the personal property installed in, on, or at the borrower’s real property, and may be perfected with a UCC‑2 financing statement filed in the county of the borrower’s residence. These indirect home improvement loans include replacement windows, siding, roofing, spas, and other home fixture installations, including solar related home improvement projects.

Marine. Loans originated by the Company, secured by boats, to borrowers primarily located in states where the Company originates consumer loans.

Other Consumer. Loans originated by the Company to consumers in our retail branch footprint, including automobiles, direct home improvement loans, loans on deposits, and other consumer loans, primarily consisting of personal lines of credit and credit cards.

Commercial Business Loans

C&I Lending. C&I loans originated by the Company to local small- and mid-sized businesses in our market area are secured primarily by accounts receivable, inventory, and personal property, plant and equipment. Some C&I loans purchased by the Company are outside of our market area. C&I loans are made based on the borrower’s ability to repay from the cash flow of the borrower’s business. At December 31, 2025 and 2024, C&I loans included Small Business Administration and United States Department of Agriculture guaranteed certificates of $44.8 million and $52.6 million, respectively.

Warehouse Lending. Loans originated to non-depository financial institutions and secured by notes originated by the non-depository financial institution. The Company has two distinct warehouse lending divisions: commercial warehouse re-lending secured by notes on construction loans and mortgage warehouse re-lending secured by notes related to one-to-four-family loans. The Company’s commercial construction warehouse lines are secured by notes related to construction loans and typically guaranteed by principals with experience in construction lending. Mortgage warehouse lines are funded through third-party residential mortgage bankers. Under this program, the Company provides short-term funding to mortgage banking companies for the purpose of originating residential mortgage loans for sale into the secondary market.

Allowance for Credit Losses

The following tables detail activity in the ACL on loans by loan categories, at or for the years indicated:

	At or For the Year Ended December 31, 2025
				Residential						Commercial
ACL ON LOANS	CRE			Real Estate			Consumer			Business			Total
Beginning balance	$	7,001		$	7,440		$	14,185		$	3,244		$	31,870
Provision for (reversal of) credit losses on loans		1,258			(38	)		7,983			(248	)		8,955
Charge-offs		(2,300	)		—			(7,731	)		(433	)		(10,464	)
Recoveries		—			—			1,497			79			1,576
Net charge-offs		(2,300	)		—			(6,234	)		(354	)		(8,888	)
Ending balance	$	5,959		$	7,402		$	15,934		$	2,642		$	31,937

	At or For the Year Ended December 31, 2024
				Residential					Commercial
ACL ON LOANS	CRE			Real Estate		Consumer			Business			Total
Beginning balance	$	7,293		$	6,814	$	13,357		$	4,070		$	31,534
(Reversal of) provision for credit losses on loans		(292	)		626		5,221			80			5,635
Charge-offs		—			—		(5,994	)		(1,141	)		(7,135	)
Recoveries		—			—		1,601			235			1,836
Net charge-offs		—			—		(4,393	)		(906	)		(5,299	)
Ending balance	$	7,001		$	7,440	$	14,185		$	3,244		$	31,870

	At or For the Year Ended December 31, 2023
			Residential						Commercial
ACL ON LOANS	CRE		Real Estate			Consumer			Business			Total
Beginning balance	$	7,056	$	5,067		$	12,109		$	3,760		$	27,992
Provision for credit losses on loans		237		1,757			3,465			311			5,770
Charge-offs		—		(10	)		(3,465	)		(1	)		(3,476	)
Recoveries		—		—			1,248			—			1,248
Net charge-offs		—		(10	)		(2,217	)		(1	)		(2,228	)
Ending balance	$	7,293	$	6,814		$	13,357		$	4,070		$	31,534

The increase in the provision for credit losses on loans for the year ended December 31, 2025, was primarily attributable to elevated net charge-offs in the commercial real estate and consumer loan portfolios, particularly within indirect home improvement loans. The ACL on loans remained relatively flat between 2024 and 2025, as increases associated with higher forecasted unemployment, elevated consumer loan delinquencies, and organic loan growth were largely offset by a $2.3 million partial charge-off on a single commercial real estate loan.

Loan Modifications to Borrowers Experiencing Financial Difficulty

The Company may modify the contractual terms of a loan to a borrower experiencing financial difficulty as a part of ongoing loss mitigation strategies. These modifications may result in an interest rate reduction, term extension, an other-than-insignificant payment delay, or a combination thereof. The Company typically does not offer principal forgiveness. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification. The effect of most modifications made to borrowers experiencing financial difficulty is already included in the ACL on loans because of the measurement methodologies used to estimate the allowance.

The following tables present the amortized cost basis of loans that were both experiencing financial difficulty and modified during the years ended December 31, 2025 and 2024, by class and by type of modification. The tables also present the percentage of the amortized cost basis of loans that were modified to borrowers experiencing financial difficulty relative to the total amortized cost basis of each class of financing receivable, as well as the financial effect of the modification.

For the Year Ended December 31, 2025

Weighted-

Average

Combination

Term

Total

Extension

Class of

Payment

Financing

Delay

CRE LOANS

Delay

Receivable

(in years)

CRE owner occupied

1,204

0.68

3.3

Total

Class of

COMMERCIAL BUSINESS

Principal

Financing

Principal

LOANS

Forgiveness

Receivable

Forgiven

C&I

182

0.06

357

For the Year Ended December 31, 2024

Weighted-

Average

Combination

Term

Total

Extension

Class of

Payment

Financing

Delay

CRE LOANS

Delay

Receivable

(in years)

CRE owner occupied

1,146

0.33

2.5

Commercial construction and development

4,979

1.51

0.5

As of December 31, 2025, the Company had not committed any additional amounts to borrowers experiencing financial difficulty whose loans were modified within the previous 12 months. As of December 31, 2024, the Company had committed $5.3 million to borrowers experiencing financial difficulty whose loans were modified within the previous 12 months.

The Company closely monitors the performance of loans modified for borrowers experiencing financial difficulty to evaluate the effectiveness of its modification efforts. The following tables present the performance of such loans that were modified within the prior 12 months as of each period-end presented:

	December 31, 2025
	30-59		60-89
	Days		Days		90 Days		Total
	Past		Past		or More		Past
COMMERCIAL BUSINESS LOANS	Due		Due		Past Due		Due
C&I	$	—	$	—	$	182	$	182

	December 31, 2024
	30-59		60-89
	Days		Days		90 Days		Total
	Past		Past		or More		Past
CRE LOANS	Due		Due		Past Due		Due
Construction and development	$	—	$	—	$	4,979	$	4,979

There were no loans to borrowers experiencing financial difficulty that had a payment default during the years ended December 31, 2025, 2024 and 2023 and were modified in the 12 months prior to that default.

Nonaccrual and Past Due Loans

The following tables provide information pertaining to the aging analysis of contractually past due loans and nonaccrual loans at the dates indicated:

	December 31, 2025
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual⁽¹⁾
CRE owner occupied	$	587	$	—	$	844	$	1,431	$	174,647	$	176,078	$	2,049
CRE non-owner occupied		—		—		—		—		177,113		177,113		—
Commercial and speculative construction and development		—		—		9,236		9,236		344,894		354,130		9,236
Multi-family		—		—		—		—		262,150		262,150		—
Total CRE loans		587		—		10,080		10,667		958,804		969,471		11,285
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (excludes loans held for sale)		1,244		214		84		1,542		627,219		628,761		1,778
Home equity		228		—		71		299		87,972		88,271		390
Residential custom construction		—		—		—		—		42,329		42,329		—
Total residential real estate loans		1,472		214		155		1,841		757,520		759,361		2,168
CONSUMER LOANS
Indirect home improvement		4,829		2,292		1,480		8,601		517,241		525,842		4,256
Marine		254		9		69		332		67,783		68,115		454
Other consumer		54		27		1		82		2,947		3,029		2
Total consumer loans		5,137		2,328		1,550		9,015		587,971		596,986		4,712
COMMERCIAL BUSINESS LOANS
C&I		122		—		580		702		300,409		301,111		580
Warehouse lending		—		—		—		—		28,180		28,180		—
Total commercial business loans		122		—		580		702		328,589		329,291		580
Total loans	$	7,318	$	2,542	$	12,365	$	22,225	$	2,632,884	$	2,655,109	$	18,745

	December 31, 2024
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual⁽¹⁾
CRE owner occupied	$	845	$	—	$	1,625	$	2,470	$	167,926	$	170,396	$	2,771
CRE non-owner occupied		—		—		—		—		174,921		174,921		—
Commercial and speculative construction and development		—		—		4,979		4,979		275,819		280,798		4,979
Multi-family		—		—		—		—		245,222		245,222		—
Total CRE loans		845		—		6,604		7,449		863,888		871,337		7,750
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		2,507		253		76		2,836		614,486		617,322		164
Home equity		20		—		251		271		74,876		75,147		261
Residential custom construction		822		—		—		822		49,080		49,902		—
Total residential real estate loans		3,349		253		327		3,929		738,442		742,371		425
CONSUMER LOANS
Indirect home improvement		3,920		1,787		758		6,465		535,481		541,946		1,677
Marine		718		150		40		908		74,023		74,931		289
Other consumer		17		1		13		31		3,273		3,304		14
Total consumer loans		4,655		1,938		811		7,404		612,777		620,181		1,980
COMMERCIAL BUSINESS LOANS
C&I		118		—		3,331		3,449		283,565		287,014		3,446
Warehouse lending		—		—		—		—		12,918		12,918		—
Total commercial business loans		118		—		3,331		3,449		296,483		299,932		3,446
Total loans	$	8,967	$	2,191	$	11,073	$	22,231	$	2,511,590	$	2,533,821	$	13,601

______________________________

(1)

Includes loans less than 90 days past due as applicable.

There were no loans 90 days or more past due and still accruing interest at both December 31, 2025 and 2024.

There were $156,000 and $84,000 in residential real estate loans in the process of foreclosure at December 31, 2025 and 2024, respectively.

Credit Quality Indicators

As part of the Company’s on-going monitoring of credit quality of the loan portfolio, management tracks certain credit quality indicators including trends related to (i) the risk grading of loans, (ii) the level of classified loans, (iii) net charge-offs, (iv) nonperforming loans and (v) the general economic conditions in the Company’s markets.

The Company utilizes a risk grading matrix to assign a risk grade to its real estate and commercial business loans. Loans are graded on a scale of 1 to 10, with loans in risk grades 1 to 6 reported as “Pass” and loans in risk grades 7 to 10 reported as classified loans in the Company’s ACL analysis.

A description of the 10 risk grades is as follows:

●	Grades 1 and 2 - These grades include loans to very high-quality borrowers with excellent or desirable business credit.

●	Grade 3 - This grade includes loans to borrowers of good business credit with moderate risk.

●	Grades 4 and 5 - These grades include “Pass” grade loans to borrowers of average credit quality and risk.

●	Grade 6 - This grade includes loans on management’s “Watch” list and is intended to be utilized on a temporary basis for “Pass” grade borrowers where frequent and thorough monitoring is required due to credit weaknesses and where significant risk-modifying action is anticipated in the near term.

●	Grade 7 - This grade is for “Other Assets Especially Mentioned (OAEM)” or “Special Mention” loans in accordance with regulatory guidelines and includes borrowers where performance is poor or significantly less than expected.

●	Grade 8 - This grade includes “Substandard” loans in accordance with regulatory guidelines which represent an unacceptable business credit where a loss is possible if loan weakness is not corrected.

●	Grade 9 - This grade includes “Doubtful” loans in accordance with regulatory guidelines where a loss is highly probable.

●	Grade 10 - This grade includes “Loss” loans in accordance with regulatory guidelines for which total loss is expected and when identified are charged off.

Homogeneous loans are risk rated based upon the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. Loans classified under this policy at the Company are consumer loans which include indirect home improvement, solar, marine, other consumer, and one-to-four-family first and second liens. Under the Uniform Retail Credit Classification and Account Management Policy, loans that are current or less than 90 days past due are graded “Pass” and risk graded “4” or “5” internally. Loans that are past due more than 90 days are classified “Substandard” risk graded “8” internally until the loan has demonstrated consistent performance, typically six months of contractual payments. Closed-end loans that are 120 days past due and open-end loans that are 180 days past due are charged off based on the value of the collateral less cost to sell. Management may choose to conservatively risk rate credits even if paying in accordance with the loan’s repayment terms.

CRE (owner occupied, non-owner occupied, commercial construction and development, and multi-family) and commercial business loans are evaluated individually for their risk classification and may be classified as “Substandard” even if current on their loan payment obligations. We regularly review our credits for accuracy of risk grades whenever we receive new information. Borrowers are generally required to submit financial information at regular intervals. Typically, commercial borrowers with lines of credit are required to submit financial information with reporting intervals ranging from monthly to annually depending on credit size, risk, and complexity. In addition, non-owner-occupied CRE borrowers with loans exceeding a certain dollar threshold are usually required to submit rent rolls or property income statements annually. We monitor construction loans monthly. We also review loans graded “Watch” or worse, regardless of loan type, no less than quarterly.

The following tables summarize risk rated loan balances and total current period gross charge-offs by category as of December 31, 2025 and 2024. Term loans that were renewed or extended for periods longer than 90 days are presented as new originations in the year of the most recent renewal or extension.

	December 31, 2025
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	37,809	$	4,148	$	21,485	$	35,169	$	10,625	$	34,840	$	—	$	—	$	144,076
Watch		142		600		4,084		6,167		14,137		4,438		—		—		29,568
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		2,434		—		—		2,434
Total CRE owner occupied		37,951		4,748		25,569		41,336		24,762		41,712		—		—		176,078
CRE non-owner occupied
Pass		9,467		8,362		15,734		49,708		34,888		51,951		—		475		170,585
Watch		—		—		—		—		—		—		—		—		—
Special mention		—		—		—		1,354		—		2,113		—		—		3,467
Substandard		—		—		3,061		—		—		—		—		—		3,061
Total CRE non-owner occupied		9,467		8,362		18,795		51,062		34,888		54,064		—		475		177,113
Commercial and speculative construction and development
Pass		188,568		96,592		19,623		22,343		10,004		63		7,701		—		344,894
Substandard		—		—		—		9,236		—		—		—		—		9,236
Total commercial and speculative construction and development		188,568		96,592		19,623		31,579		10,004		63		7,701		—		354,130
Commercial and speculative construction and development gross charge-offs		—		—		—		2,300		—		—		—		—		2,300
Multi-family
Pass		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total multi-family		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total CRE loans	$	262,477	$	130,452	$	71,004	$	143,898	$	155,615	$	197,849	$	7,701	$	475	$	969,471
Total CRE loans gross charge-offs	$	—	$	—	$	—	$	2,300	$	—	$	—	$	—	$	—	$	2,300

	December 31, 2025
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	93,883	$	56,292	$	102,074	$	149,010	$	97,732	$	124,942	$	—	$	502	$	624,435
Watch		—		—		—		710		—		—		—		—		710
Substandard		—		—		673		—		—		2,943		—		—		3,616
Total one-to-four-family		93,883		56,292		102,747		149,720		97,732		127,885		—		502		628,761
Home equity
Pass		11,609		1,595		1,615		287		1,189		6,432		65,154		—		87,881
Substandard		—		—		—		—		—		80		310		—		390
Total home equity		11,609		1,595		1,615		287		1,189		6,512		65,464		—		88,271
Residential custom construction
Pass		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential custom construction		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential real estate loans	$	137,142	$	65,984	$	105,592	$	151,359	$	98,921	$	134,397	$	65,464	$	502	$	759,361

	December 31, 2025
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	111,727	$	67,451	$	100,504	$	131,844	$	58,058	$	52,002	$	—	$	—	$	521,586
Substandard		434		792		1,011		1,124		323		572		—		—		4,256
Total indirect home improvement		112,161		68,243		101,515		132,968		58,381		52,574		—		—		525,842
Indirect home improvement gross charge-offs		261		1,763		1,647		2,025		884		753		—		—		7,333
Marine
Pass		7,619		10,210		9,647		17,126		7,366		15,693		—		—		67,661
Substandard		—		—		5		111		94		244		—		—		454
Total marine		7,619		10,210		9,652		17,237		7,460		15,937		—		—		68,115
Marine gross charge-offs		—		63		42		—		11		101		—		—		217
Other consumer
Pass		255		94		37		88		6		108		2,439		—		3,027
Substandard		—		—		—		1		—		—		1		—		2
Total other consumer		255		94		37		89		6		108		2,440		—		3,029
Other consumer gross charge-offs		—		6		—		—		2		56		117		—		181
Total consumer loans	$	120,035	$	78,547	$	111,204	$	150,294	$	65,847	$	68,619	$	2,440	$	—	$	596,986
Total consumer loans gross charge-offs	$	261	$	1,832	$	1,689	$	2,025	$	897	$	910	$	117	$	—	$	7,731

	December 31, 2025
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	48,052	$	55,033	$	18,762	$	12,437	$	12,048	$	11,105	$	123,306	$	2,121	$	282,864
Watch		—		—		—		—		1,017		—		6,303		16		7,336
Special mention		—		—		5,000		—		—		1,391		648		—		7,039
Substandard		191		—		84		—		1,592		1,199		806		—		3,872
Total C&I		48,243		55,033		23,846		12,437		14,657		13,695		131,063		2,137		301,111
C&I gross charge-offs		—		—		—		—		433		—		—		—		433
Warehouse lending
Pass		—		—		—		—		—		—		28,177		—		28,177
Special mention		—		—		—		—		—		—		3		—		3
Total warehouse lending		—		—		—		—		—		—		28,180		—		28,180
Total commercial business loans	$	48,243	$	55,033	$	23,846	$	12,437	$	14,657	$	13,695	$	159,243	$	2,137	$	329,291
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	—	$	433	$	—	$	—	$	—	$	433

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	567,130	$	328,624	$	297,728	$	439,285	$	317,877	$	399,146	$	226,777	$	3,098	$	2,579,665
Watch		142		600		4,084		6,877		15,154		4,438		6,303		16		37,614
Special mention		—		—		5,000		1,354		—		3,504		651		—		10,509
Substandard		625		792		4,834		10,472		2,009		7,472		1,117		—		27,321
Total loans receivable, gross	$	567,897	$	330,016	$	311,646	$	457,988	$	335,040	$	414,560	$	234,848	$	3,114	$	2,655,109
Total gross charge-offs	$	261	$	1,832	$	1,689	$	4,325	$	1,330	$	910	$	117	$	—	$	10,464

	December 31, 2024
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	4,659	$	31,943	$	35,248	$	15,653	$	28,970	$	22,926	$	—	$	679	$	140,078
Watch		—		—		9,300		12,654		—		4,354		—		—		26,308
Special mention		—		—		—		—		—		394		—		—		394
Substandard		—		—		—		—		1,625		1,991		—		—		3,616
Total CRE owner occupied		4,659		31,943		44,548		28,307		30,595		29,665		—		679		170,396
CRE non-owner occupied
Pass		8,364		16,491		48,829		36,221		14,682		43,216		—		—		167,803
Watch		—		3,135		1,389		—		—		2,594		—		—		7,118
Total CRE non-owner occupied		8,364		19,626		50,218		36,221		14,682		45,810		—		—		174,921
Commercial and speculative construction and development
Pass		129,201		77,241		28,810		29,851		—		380		10,336		—		275,819
Substandard		—		—		4,979		—		—		—		—		—		4,979
Total commercial and speculative construction and development		129,201		77,241		33,789		29,851		—		380		10,336		—		280,798
Multi-family
Pass		20,662		7,030		20,098		89,733		59,886		47,813		—		—		245,222
Total multi-family		20,662		7,030		20,098		89,733		59,886		47,813		—		—		245,222
Total CRE loans	$	162,886	$	135,840	$	148,653	$	184,112	$	105,163	$	123,668	$	10,336	$	679	$	871,337

	December 31, 2024
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	77,602	$	110,505	$	174,355	$	109,006	$	76,653	$	66,426	$	—	$	—	$	614,547
Substandard		—		—		735		—		—		2,040		—		—		2,775
Total one-to-four-family		77,602		110,505		175,090		109,006		76,653		68,466		—		—		617,322
Home equity
Pass		6,501		2,379		326		1,538		5,930		1,631		56,430		151		74,886
Substandard		—		—		—		—		—		14		247		—		261
Total home equity		6,501		2,379		326		1,538		5,930		1,645		56,677		151		75,147
Residential custom construction
Pass		38,741		9,771		1,390		—		—		—		—		—		49,902
Total residential custom construction		38,741		9,771		1,390		—		—		—		—		—		49,902
Total residential real estate loans	$	122,844	$	122,655	$	176,806	$	110,544	$	82,583	$	70,111	$	56,677	$	151	$	742,371

	December 31, 2024
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	98,516	$	130,254	$	167,896	$	74,577	$	28,045	$	40,981	$	—	$	—	$	540,269
Substandard		99		403		712		100		106		257		—		—		1,677
Total indirect home improvement		98,615		130,657		168,608		74,677		28,151		41,238		—		—		541,946
Indirect home improvement gross charge-offs		381		1,477		1,627		677		568		523		—		—		5,253
Marine
Pass		13,322		11,386		20,449		8,521		10,958		10,006		—		—		74,642
Substandard		—		—		—		—		106		183		—		—		289
Total marine		13,322		11,386		20,449		8,521		11,064		10,189		—		—		74,931
Marine gross charge-offs		—		21		128		51		128		237		—		—		565
Other consumer
Pass		310		93		334		56		35		126		2,336		—		3,290
Substandard		—		—		—		3		—		—		11		—		14
Total other consumer		310		93		334		59		35		126		2,347		—		3,304
Other consumer gross charge-offs		1		33		6		—		—		45		91		—		176
Total consumer loans	$	112,247	$	142,136	$	189,391	$	83,257	$	39,250	$	51,553	$	2,347	$	—	$	620,181
Total consumer loans gross charge-offs	$	382	$	1,531	$	1,761	$	728	$	696	$	805	$	91	$	—	$	5,994

	December 31, 2024
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2024		2023		2022		2021		2020		Prior		Loans		to Term		Loans
Pass	$	65,491	$	20,084	$	20,091	$	16,468	$	6,135	$	8,791	$	120,899	$	602	$	258,561
Watch		—		4,987		—		722		1,799		—		4,183		—		11,691
Special mention		—		—		—		543		—		556		6,375		—		7,474
Substandard		—		2,373		—		2,243		1,255		1,296		2,121		—		9,288
Total C&I		65,491		27,444		20,091		19,976		9,189		10,643		133,578		602		287,014
C&I gross charge-offs		—		—		—		—		—		380		761		—		1,141
Warehouse lending
Pass		—		—		—		—		—		—		11,060		—		11,060
Special mention		—		—		—		—		—		—		1,858		—		1,858
Total warehouse lending		—		—		—		—		—		—		12,918		—		12,918
Total commercial business loans	$	65,491	$	27,444	$	20,091	$	19,976	$	9,189	$	10,643	$	146,496	$	602	$	299,932
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	380	$	761	$	—	$	1,141

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	463,369	$	417,177	$	517,826	$	381,624	$	231,294	$	242,296	$	201,061	$	1,432	$	2,456,079
Watch		—		8,122		10,689		13,376		1,799		6,948		4,183		—		45,117
Special mention		—		—		—		543		—		950		8,233		—		9,726
Substandard		99		2,776		6,426		2,346		3,092		5,781		2,379		—		22,899
Total loans receivable, gross	$	463,468	$	428,075	$	534,941	$	397,889	$	236,185	$	255,975	$	215,856	$	1,432	$	2,533,821
Total gross charge-offs	$	382	$	1,531	$	1,761	$	728	$	696	$	1,185	$	852	$	—	$	7,135

The following table presents the amortized cost basis of loans on nonaccrual status at the dates indicated:

	December 31, 2025						December 31, 2024
	Nonaccrual with		Nonaccrual with		Total		Nonaccrual with		Nonaccrual with		Total
CRE LOANS	No ACL		ACL		Nonaccrual		No ACL		ACL		Nonaccrual
CRE owner occupied	$	2,049	$	—	$	2,049	$	2,771	$	—	$	2,771
Commercial and speculative construction and development		—		9,236		9,236		—		4,979		4,979
		2,049		9,236		11,285		2,771		4,979		7,750

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		1,778		—		1,778		164		—		164
Home equity		390		—		390		261		—		261
		2,168		—		2,168		425		—		425

CONSUMER LOANS
Indirect home improvement		—		4,256		4,256		—		1,677		1,677
Marine		—		454		454		—		289		289
Other consumer		—		2		2		—		14		14
		—		4,712		4,712		—		1,980		1,980
COMMERCIAL BUSINESS LOANS
C&I		415		165		580		2,486		960		3,446
Total	$	4,632	$	14,113	$	18,745	$	5,682	$	7,919	$	13,601

The Company recognized interest income on a cash basis for nonaccrual loans of $576,000, $427,000, and $579,000 during the years ended December 31, 2025, 2024 and 2023, respectively.

The following table presents the amortized cost basis of collateral dependent loans by class of loans as of dates indicated:

	December 31, 2025								December 31, 2024
			Residential		Other						Residential		Other
			Real		Non-Real						Real		Non-Real
CRE LOANS	CRE		Estate		Estate		Total		CRE		Estate		Estate		Total
CRE owner occupied	$	2,049	$	—	$	—	$	2,049	$	2,771	$	—	$	—	$	2,771
Commercial and speculative construction and development		9,236		—		—		9,236		4,979		—		—		4,979
		11,285		—		—		11,285		7,750		—		—		7,750

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		—		1,778		—		1,778		—		164		—		164
Home equity		—		390		—		390		—		261		—		261
		—		2,168		—		2,168		—		425		—		425

CONSUMER LOANS
Indirect home improvement		—		—		4,256		4,256		—		—		1,677		1,677
Marine		—		—		454		454		—		—		289		289
		—		—		4,710		4,710		—		—		1,966		1,966
COMMERCIAL BUSINESS LOANS
C&I		—		—		398		398		—		—		3,446		3,446
Total	$	11,285	$	2,168	$	5,108	$	18,561	$	7,750	$	425	$	5,412	$	13,587

Related Party Loans

Certain directors and executive officers or their related affiliates are customers of and have had banking transactions with the Company. Total loans to directors, executive officers, and their affiliates are subject to regulatory limitations.

Outstanding loan balances of related party loans, all of which were within regulatory limits, were as follows:

	At December 31,
	2025			2024
Beginning balance	$	3,575		$	3,343
Additions		37			345
Repayments		(153	)		(113	)
Ending balance	$	3,459		$	3,575

The aggregate maximum loan balance of extended credit to related parties was $3.5 million and $3.6 million at December 31, 2025 and 2024, respectively, and includes the ending balances from the tables above. These loans and lines of credit were made in compliance with applicable laws on substantially the same terms (including interest rates and collateral) as those prevailing at the time for comparable transactions with unrelated third parties and do not involve more than the normal risk of collectability.

Note 14 - Fair Value Measurements - Schedule of Reconciliation of Financial Assets and Liabilities with Unobservable Inputs (Details) - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2025

Dec. 31, 2024

Dec. 31, 2023

Interest Rate Lock Commitments [Member]

Beginning balance, derivative asset (liability)

$ 103

$ 329

$ 107

Purchases and issuances, derivative asset (liability)

3,903

4,279

4,291

Sales and settlements, derivative asset (liability)

(3,765)

(4,505)

(4,069)

Ending balance, derivative asset (liability)

241

103

329

Gain (Loss) Included in Earnings, derivative asset (liability)

^[1]

138

(226)

222

Gain (Loss) Included in Other Comprehensive Income (Loss), derivative asset (liability)

^[2]

Mandatory and Best Effort Forward Commitments [Member]

Beginning balance, derivative asset (liability)

(188)

(38)

Purchases and issuances, derivative asset (liability)

(144)

(1,626)

Sales and settlements, derivative asset (liability)

121

1,845

(216)

Ending balance, derivative asset (liability)

(188)

Gain (Loss) Included in Earnings, derivative asset (liability)

^[1]

(23)

219

(150)

Gain (Loss) Included in Other Comprehensive Income (Loss), derivative asset (liability)

^[2]

$ 0

[1]	Relating to items held at end of period included in income.
[2]	Relating to items held at end of period included in other comprehensive income.

Note 5 - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Depreciation, Depletion and Amortization	$ 2,800	$ 2,500	$ 2,600
Asset, Held-for-Sale, Not Part of Disposal Group	$ 3,258	$ 0

The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.

Note 6 - Leases - Schedule of Maturity for Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
2026, operating lease	$ 1,986
2027, operating lease	1,729
2028, operating lease	1,110
2029, operating lease	947
2030, operating lease	678
Thereafter, operating lease	1,254
Total lease payments, operating lease	7,704
Less imputed interest, operating lease	(1,815)
Total, operating lease	$ 5,889	$ 5,556

Note 1 - Basis of Presentation and Summary of Significant Accounting Policies

12 Months Ended

Dec. 31, 2025

Basis of Presentation and Significant Accounting Policies [Text Block]

NOTE 1 – BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations – FS Bancorp, Inc. (the “Company”) was incorporated in September 2011 as the holding company for 1st Security Bank of Washington (the “Bank” or “1st Security Bank”) in connection with the Bank’s conversion from the mutual to stock form of ownership which was completed on July 9, 2012. The Bank is a community-based savings bank with 27 full-service bank branches, a headquarters that also originates loans and accepts deposits, and loan production offices in suburban communities in the greater Puget Sound area, the Kennewick-Pasco-Richland metropolitan area of Washington, also known as the Tri-Cities, Goldendale, Vancouver, and White Salmon, Washington and Manzanita, Newport, Ontario, Tillamook, and Waldport, Oregon. The Bank provides loan and deposit services to customers who are predominantly small- and middle-market businesses and individuals. The Company and its subsidiary are subject to regulation by certain federal and state agencies and undergo periodic examination by these regulatory agencies.

Financial Statement Presentation – The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“U.S. GAAP”) and with prevailing practices within the banking and securities industries. In preparing such financial statements, management is required to make certain estimates and judgments that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses, fair value of financial instruments, and, if needed, valuation of deferred tax assets.

Amounts presented in the consolidated financial statements and footnote tables are rounded and presented to the nearest thousands of dollars except per share amounts. If the amounts are above $1.0 million, they are rounded one decimal point, and if they are above $1.0 billion, they are rounded two decimal points. Certain prior-year amounts have been reclassified to conform to the current-year presentation. These reclassifications had no effect on previously reported net income, comprehensive income, total assets, total liabilities, shareholders’ equity, or net cash provided by operating, investing, or financing activities.

Principles of Consolidation – The consolidated financial statements include the accounts of FS Bancorp and its wholly owned subsidiary, 1st Security Bank. All material intercompany accounts have been eliminated in consolidation.

Segment Reporting – The Company operates in two business segments through the Bank: commercial and consumer banking and home lending. The Company’s business segments are determined based on the products and services provided, as well as the nature of the related business activities, and they reflect the way financial information is regularly reviewed for the purpose of allocating resources and evaluating performance of the Company’s businesses. The results for these business segments are based on management’s accounting process, which assigns income statement items and assets to each responsible operating segment. This process is dynamic and is based on management’s view of the Company’s operations. See “Note 19 – Business Segments.”

Subsequent Events – On February 25, 2026, FS Bancorp, Inc. announced the signing of a definitive merger agreement whereby the Company will acquire Pacific West Bancorp (“Pacific West”) in a stock and cash transaction valued at approximately $34.6 million. The transaction is subject to customary closing conditions, including the receipt of regulatory approvals and approval of the agreement by the shareholders of Pacific West. See “Note 22 – Definitive Agreement.”

Cash and Cash Equivalents – Cash and cash equivalents include cash and due from banks, and interest-bearing balances due from other banks and the Federal Reserve Bank of San Francisco (“FRB”) and have an original maturity of 90 days or less at the time of purchase. At times, cash balances may exceed FDIC insured limits. At December 31, 2025 and 2024, the Company had $1.7 million and $41,000, respectively, of cash and due from banks and interest-bearing deposits at other financial institutions in excess of FDIC insured limits.

Securities – Securities are classified as held-to-maturity when the Company has the ability and positive intent to hold them to maturity. Securities classified as held-to-maturity are carried at cost, adjusted for amortization of premiums to the earliest callable date and accretion of discounts to the maturity date and, if appropriate, any credit impairment losses. Securities available-for-sale consist of debt securities that the Company has the intent and ability to hold for an indefinite period, but not necessarily to maturity. Such securities may be sold to implement the Company’s asset/liability management strategies and in response to changes in interest rates and similar factors. Securities available-for-sale are reported at fair value. Realized gains and losses on securities available-for-sale, determined using the specific identification method, are included in results of operations. Amortization of premiums and accretion of discounts are recognized as adjustments to yield over the contractual lives of the related securities with the exception of premiums for non-contingently callable debt securities which are amortized to the earliest call date, rather than the contractual maturity date. Dividends and interest income are recognized when earned.

Federal Home Loan Bank Stock – The Bank’s investment in FHLB stock is carried at cost, which approximates fair value. As a member of the FHLB system, the Bank is required to maintain an investment in capital stock of the FHLB. The Bank’s required minimum level of investment in FHLB stock is based on specific percentages of its outstanding mortgages, total assets, or FHLB advances. At December 31, 2025 and 2024, the Bank’s investment in FHLB stock was $8.0 million and $15.6 million, respectively. The Bank was in compliance with the FHLB minimum investment requirement at December 31, 2025 and 2024.

Management evaluates FHLB stock for impairment annually. Management’s determination of whether these investments are impaired is based on its assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as (1) the significance of any decline in net assets of the FHLB as compared with the capital stock amount for the FHLB and the length of time this situation has persisted; (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB; (3) the impact of legislative and regulatory changes on institutions and, accordingly, the customer base of the FHLB; and (4) the liquidity position of the FHLB. Based on its evaluation, management determined that there was no impairment of FHLB stock for the years ended December 31, 2025, 2024 and 2023.

Loans Held for Sale – The Bank records all mortgage loans held for sale at fair value. Fair value is determined by outstanding commitments from investors or current investor yield requirements calculated on the aggregate loan basis. Gains and losses on fair value changes of loans held for sale are recorded in the gain on sale of loans component of noninterest income. Origination fees and costs are recognized in earnings at the time of origination. Mortgage loans held for sale are sold with the mortgage service rights either released or retained by the Bank. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold. All sales are made with limited recourse against the Company.

Mortgage Banking Derivatives – Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments to fund the loans. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are reported in “Gain on sale of loans” on the Consolidated Statements of Income.

Cash Flow and Fair Value Hedges – The Bank designates certain interest rate swaps as cash flow hedges of the variability in cash flows associated with borrowings and other variable-rate funding instruments. For derivatives designated and qualifying as cash flow hedges, the effective portion of changes in fair value is recorded in accumulated other comprehensive income (loss) (“AOCI”) and subsequently reclassified into earnings in the same period in which the hedged forecasted cash flows affect earnings, generally as an adjustment to interest expense. The ineffective portion of changes in fair value, if any, is recognized immediately in earnings. Amounts recorded in AOCI are reclassified to interest expense as the hedged cash flows are realized. If it becomes probable that a forecasted hedged transaction will not occur, any related amounts included in AOCI are reclassified immediately into earnings.

The Bank may designate certain derivatives as fair value hedges of changes in the fair value of fixed-rate financial instruments attributable to changes in benchmark interest rates. For derivatives designated and qualifying as fair value hedges, changes in the fair value of both the derivative and the hedged item attributable to the hedged risk are recognized in current-period earnings. The carrying amount of the hedged item is adjusted for the change in fair value attributable to the hedged risk, and this basis adjustment is amortized to earnings over the remaining life of the hedged instrument using the effective interest method.

The Bank may terminate derivative instruments or dedesignate hedging relationships prior to maturity as part of its ongoing interest rate risk management. Upon termination or dedesignation of a cash flow hedge, the derivative is no longer designated as a hedging instrument and subsequent changes in fair value are recognized in earnings. Amounts previously recorded in AOCI related to the terminated cash flow hedge remain in AOCI and are reclassified into earnings over the remaining original hedged forecasted period, unless it becomes probable that the forecasted transaction will not occur, in which case such amounts are recognized immediately in earnings. Upon termination of a fair value hedge, hedge accounting is discontinued and the cumulative fair value adjustment to the carrying amount of the hedged item is amortized to earnings over the remaining contractual life of the hedged instrument.

Loans Receivable – Loans receivable, are stated at amortized cost. Interest on loans is calculated using the simple interest method based on the daily balance of the principal amount outstanding and is credited to income as earned. Loan fees, net of direct origination costs, are deferred and amortized over the life of the loan using the effective yield method. If the loan is repaid prior to maturity, the remaining unamortized net deferred loan origination fee is recognized in income at the time of repayment.

Income Recognition on Nonaccrual Loans and Securities – Interest on loans is accrued daily based on the principal amount outstanding. Generally, the accrual of interest on loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due or when they are past due 90 days as to either principal or interest (based on contractual terms), unless they are well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off are reversed against interest income. Subsequent collections on a cash basis are applied proportionately to past due principal and interest, unless collectability of principal is in doubt, in which case all payments are applied to principal. Loans are returned to accrual status when the loan is performing according to its contractual terms for at least six months and the collectability of principal and interest is no longer doubtful. While less common, similar interest reversal and nonaccrual treatment is applied to investment securities if their ultimate collectability becomes questionable.

Allowance for Credit Losses on Held-to-Maturity Securities – Management measures expected credit losses on held-to-maturity securities by individual security. Accrued interest receivable on held-to-maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers credit ratings and historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts.

Allowance for Credit Losses on Available-for-Sale Securities – For available-for-sale securities in an unrealized loss position, management first assesses whether it intends to sell or is more likely than not to be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis.

Changes in the ACL are recorded as a provision for (recovery of) credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securities is not included in the estimate of credit losses.

Allowance for Credit Losses on Loans – The ACL on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectability of a loan balance is confirmed and recoveries are credited to the allowance when received. In the case of recoveries, amounts may not exceed the aggregate of amounts previously charged off.

Management utilizes relevant available information, from internal and external sources, relating to past events, current conditions, historical loss experience, and reasonable and supportable forecasts. The lookback period in the analysis includes historical data from 2009 to present. Adjustments to historical loss information are made when management determines historical data is not likely reflective of the current portfolio such as limited data sets or lack of default or loss history. Management may selectively apply external market data to subjectively adjust the Company’s own loss history including index or peer data. Accrued interest receivable is excluded from the estimate of credit losses on loans.

Collective Assessment – The ACL on loans is measured on a collective cohort basis when similar risk characteristics exist. Generally, collectively assessed loans are grouped by call report code and then risk-grade grouping. Risk grade is grouped within each call report code by pass, watch, special mention, substandard, and doubtful. Other loan types are separated into their own cohorts due to specific risk characteristics for that pool of loans.

The Company has elected a non-discounted cash flow methodology with probability of default (“PD”) and loss given default (“LGD”) for all call report code cohorts (“cohorts”), with the exception of the indirect and marine portfolios which are evaluated under a vintage methodology. The vintage methodology measures the expected loss calculation for future periods based on historical performance by the origination period of loans with similar life cycles and risk characteristics. Guaranteed portions of loans are measured with zero risk due to cash collateral and full guaranty.

The PD calculation looks at the historical loan portfolio at particular points in time (each month during the lookback period) to determine the probability that loans in a certain cohort will default over the next 12-month period. A default is defined as a loan that has moved to past due 90 days and greater, nonaccrual status, or experienced a charge-off during the period. In cohorts where the Company’s historical data is insufficient due to a minimal amount of default activity or zero defaults, management uses index PDs comprised of rates derived from the PD experience of other community banks in place of the Company’s historical PDs. Additionally, management reviews all other cohorts to determine if index PDs should be used outside of these criteria.

The LGD calculation looks at actual losses (net charge-offs) experienced over the entire lookback period for each cohort of loans. The aggregate loss amount is divided by the exposure at default to determine an LGD rate. All defaults (non-accrual, charge-off, or greater than 90 days past due) occurring during the lookback period are included in the denominator, whether a loss occurred or not and exposure at default is determined by the loan balance immediately preceding the default event (i.e., nonaccrual or charge-off). Due to very limited charge-off history, management uses index LGDs comprised of rates derived from the LGD experience of other community banks in place of the Company’s historical LGDs.

The Company utilizes reasonable and supportable forecasts of future economic conditions when estimating the ACL on loans. The calculation includes a 12-month PD forecast based on the Company’s regression model comparing peer nonperforming loan ratios to the national unemployment rate. After the forecast period, PD rates revert on a straight-line basis back to long-term historical average rates over a 12-month period. Due to very limited default history, management uses index PDs comprised of rates derived from the PD experience of other community banks in place of the Company’s historical PDs.

The Company recognizes that all significant factors that affect the collectability of the loan portfolio must be considered to determine the estimated credit losses as of the evaluation date. Furthermore, the methodology, in and of itself and even when selectively adjusted by comparison to market and peer data, does not provide a sufficient basis to determine the estimated credit losses. The Company adjusts the modeled historical losses by qualitative and environmental adjustments to incorporate all significant risks to form a sufficient basis to estimate the credit losses.

Individual Assessment – Loans that do not share similar risk characteristics with other loans in the portfolio are individually evaluated for expected credit losses. These loans typically include nonaccrual loans and other loans for which credit deterioration is evident and repayment is expected to be provided substantially through the operation or sale of collateral. Expected credit losses on individually evaluated loans are measured based on the present value of expected future cash flows, the observable market price of the loan, or, for collateral-dependent loans, the fair value of the underlying collateral, less estimated costs to sell, as applicable.

Determining the Contractual Term – Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications. Prepayment assumptions will be determined by analysis of historical behavior by loan cohort.

Allowance for Credit Losses on Unfunded Commitments – The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit. The ACL on unfunded commitments is adjusted through a provision for (recovery of) credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The estimate utilizes the same factors and assumptions as the ACL on loans and is applied at the same collective cohort level.

Premises and Equipment, Net – Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. The estimated useful lives used to compute depreciation include building and building improvements up to 25 years and furniture, fixtures, and equipment from three to 10 years. Leasehold and tenant improvements are amortized using the straight-line method over the lesser of useful life or the life of the related lease. Gains or losses on dispositions are reflected on the Consolidated Statements of Income.

Management reviews buildings, improvements and equipment for impairment on an annual basis or whenever events or changes in the circumstances indicate that the undiscounted cash flows for the property are less than its carrying value. If identified, an impairment loss is recognized through a charge to earnings based on the fair value of the property.

Right of Use (“ROU”) Lease Asset & Lease Liability – The Company leases retail space, office space, storage space, and equipment under operating leases. Most leases require the Company to pay real estate taxes, maintenance, insurance and other similar costs in addition to the base rent. Certain leases also contain lease incentives, such as tenant improvement allowances and rent abatement. Variable lease payments are recognized as lease expense as they are incurred. The Company records an operating lease ROU asset and an operating lease liability for operating leases with a lease term greater than 12 months.

ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As most of the Company’s leases do not provide an implicit rate, the Company generally uses its incremental borrowing rate based on the estimated rate of interest for collateralized borrowing over a similar term of the lease payments at commencement date. Many of the Company’s leases contain various provisions for increases in rental rates, based either on changes in the published Consumer Price Index or a predetermined escalation schedule, which are factored into our determination of lease payments when appropriate. Substantially all the leases provide the Company with the option to extend the lease term one or more times following expiration of the initial term. The ROU asset and lease liability terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.

Transfers of Financial Assets – Transfers of an entire financial asset, a group of entire financial assets, or participating interest in an entire financial asset are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

Mortgage Servicing Rights – Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets. Generally, purchased MSRs are capitalized at the cost to acquire the rights. For sales of mortgage loans, a portion of the cost of originating the loan is allocated to the MSRs based on relative fair value. Fair value is based on market prices for comparable MSR contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds, and default rates and losses.

Servicing assets are evaluated quarterly for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type, and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the capitalized amount for the tranche. If the Company later determines that all or a portion of the impairment no longer exists for a particular tranche, a reduction of the allowance may be recorded as a recovery and an increase to income. Capitalized MSRs are stated separately on the Consolidated Balance Sheets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets.

Long-Lived Assets Held for Sale – Long-lived assets, typically premises and equipment, are classified as held for sale when management commits to a plan to sell the asset, the asset is available for immediate sale in its present condition, an active program to locate a buyer has been initiated, the sale is probable and expected to be completed within one year, and the asset is being actively marketed at a price that is reasonable in relation to its current fair value. Assets classified as held for sale are measured at the lower of their carrying amount or fair value less estimated costs to sell and are not depreciated once classified as held for sale. Any resulting write-down to fair value less estimated cost to sell is recognized in noninterest expense in the period in which the held-for-sale criteria are met.

Income Taxes – The Company files a consolidated federal income tax return. Income taxes are reflected in the Company’s consolidated financial statements to show the tax effects of the operations and transactions reported in the consolidated financial statements and consist of taxes currently payable plus deferred taxes. ASC 740, “Accounting for Income Taxes,” requires the asset and liability approach for financial accounting and reporting for deferred income taxes. Deferred tax assets and liabilities result from temporary differences between the financial statement carrying amounts and the tax bases of assets and liabilities. They are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled and are determined using the assets and liability method of accounting. The deferred income tax provision represents the difference between net deferred tax asset/liability at the beginning and end of the reported period. In formulating the deferred tax asset, the Company is required to estimate income and taxes in the jurisdiction in which the Company operates. This process involves estimating the actual current tax exposure for the reported period together with assessing temporary differences resulting from differing treatment of items, such as depreciation and the provision for credit losses, for tax and financial reporting purposes.

The Company follows the authoritative guidance issued related to accounting for uncertainty in income taxes. The guidance prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. It is the Company’s policy to record any penalties or interest arising from federal or state taxes as a component of income tax expense.

Earnings Per Share (“EPS”) – Basic and diluted EPS are computed using the two-class method, which is an earnings allocation method for computing earnings per share that treats a participating security as having rights to earnings that would otherwise have been available to common shareholders. Basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Unvested share-based awards containing non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of earnings per share pursuant to the two-class method. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity.

Comprehensive Income (Loss) – Comprehensive income (loss) is comprised of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized holding gains and losses on securities available-for-sale, net of tax and unrealized holding gains (losses) on derivatives designated as cash flow hedges, net of tax recorded directly to equity.

Financial Instruments – In the ordinary course of business, the Company has entered into agreements for off-balance-sheet financial instruments consisting of commitments to extend credit and stand-by letters of credit. Such financial instruments are recorded in the financial statements when they are funded or related fees are incurred or received.

Restricted Assets – Regulations of the Board of Governors of the Federal Reserve System (“Federal Reserve”) require that the Bank maintain reserves in the form of cash on hand and deposit balances with the FRB, based on a percentage of deposits. However, the Federal Reserve reduced reserve requirement ratios to zero percent effective March 26, 2020, and as a result, the Bank was not required to maintain reserve balances at December 31, 2025 or December 31, 2024.

Marketing and Advertising Costs – The Company records marketing and advertising costs as expenses as they are incurred. Total marketing and advertising expense was $1.3 million for each of the years ended December 31, 2025, 2024 and 2023.

Share-Based Compensation – Compensation cost is recognized for stock options and restricted stock awards, based on the fair value of these awards at the grant date. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the grant date is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.

Goodwill – Goodwill is recorded upon completion of a business combination as the difference between the purchase price and the fair value of net identifiable assets acquired. The Company completes its annual review of goodwill during the fourth quarter of each fiscal year. We have determined our goodwill balance is all related to a single reporting unit. An assessment of qualitative factors is completed to determine if it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If the qualitative analysis concludes that further analysis is required, then a quantitative impairment test would be completed. The quantitative goodwill impairment test is used to identify the existence of impairment and the amount of impairment loss and compares the reporting unit’s estimated fair value, including goodwill, to its carrying amount. If the fair value exceeds the carrying amount, then goodwill is not considered impaired. If the carrying amount exceeds its fair value, an impairment loss would be recognized equal to the amount of excess, limited to the amount of total goodwill allocated to that reporting unit. There was no goodwill impairment for the years ended December 31, 2025, 2024 and 2023.

Bank Owned Life Insurance – The Bank has purchased life insurance policies on certain key executives. Company owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

As a result of current tax law and the nature of these policies, the Bank records any increase in cash value of these policies as nontaxable noninterest income. If the Bank decided to surrender any of the policies prior to the death of the insured, such surrender may result in tax expense related to the life-to-date cumulative increase in cash value of the policy. If the Bank retains such policies until the death of the insured, the Bank will receive nontaxable proceeds from the insurance company equal to the death benefit of the policies.

Acquired Loans – Establishing the fair value of acquired loans involves a significant amount of judgement, including determining the credit discount based upon historical data adjusted for current economic conditions and other factors. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated or purchased non-credit-deteriorated. Purchased credit-deteriorated (“PCD”) loans have experienced more than insignificant credit deterioration since origination. For PCD loans, an allowance for credit losses is determined at the acquisition date using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The loan’s fair value is grossed up for the allowance for credit losses and becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through a provision for credit losses.

For purchased non-credit-deteriorated loans, the difference between the fair value and unpaid principal balance of the loan at the acquisition date is amortized or accreted to interest income over the life of the loan. While credit discounts are included in the determination of the fair value for non-credit-deteriorated loans, since these discounts are expected to be accreted over the life of the loans, they cannot be used to offset the allowance for credit losses that must be recorded at the acquisition date. As a result, an allowance for credit losses is determined at the acquisition date using the same methodology as other loans held for investment and is recognized as a provision for credit losses in the Consolidated Statement of Income. Any subsequent deterioration (improvement) in credit quality is recognized by recording a provision for (reversal of) credit losses.

Application of New Accounting Guidance in 2025

In December 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which requires enhanced disclosures regarding the effective tax rate reconciliation and income taxes paid, including disaggregation by jurisdiction and additional qualitative information. The guidance is effective for public business entities for annual periods beginning after December 15, 2024.

The Company adopted the guidance on January 1, 2025 on a prospective basis. The adoption did not impact the Company’s consolidated financial position, results of operations, or cash flows, and resulted only in additional income tax disclosures.

RECENT ACCOUNTING PRONOUNCEMENTS

In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments incorporate into the Accounting Standards Codification certain disclosure and presentation requirements currently included in SEC regulations. Each amendment will become effective prospectively upon the SEC’s removal of the related disclosure requirement from its rules. The Company is currently evaluating the impact of ASU 2023-06 and does not expect the adoption to have a material effect on its consolidated financial statements.

In January 2025, the FASB issued guidance within ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. The amendment in this ASU amends the effective date of ASU 2024-03 to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027. Early adoption of ASU 2024-03 is permitted. The Company is currently evaluating the impact of this ASU but does not expect it to have a material effect on its consolidated financial statements.

In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans, which expands and clarifies acquisition-date accounting for certain purchased loans under CECL, including use of a gross-up approach for specified acquired loans. This ASU is effective for annual reporting periods beginning after December 15, 2026, and interim periods within those fiscal years, with early adoption permitted. The Company is currently evaluating the impact of this ASU on its accounting for acquired loans and related disclosures.

In December 2025, the FASB issued guidance within ASU 2025-11, Interim Reporting. The ASU intends to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides “interim financial statements and notes in accordance with GAAP.” The ASU is effective for interim periods in fiscal years beginning after December 15, 2027 for public business entities, with a one-year deferral for all other entities. Early adoption is permitted for all entities. The Company is currently evaluating the impact of this ASU but does not expect it to have a material effect on its consolidated financial statements.

Note 20 - Goodwill and Other Intangible Assets (Details Textual) $ in Thousands		12 Months Ended
	Jan. 22, 2016	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Goodwill		$ 3,592	$ 3,592
Goodwill, Impairment Loss		0	0	$ 0
Impairment of Intangible Assets, Finite-Lived		0
Amortization of Intangible Assets		3,192	3,633	$ 3,464
Core Deposits [Member]
Goodwill, Impairment Loss		0
Amortization of Intangible Assets		$ 3,192	$ 3,633
Bank of America [Member]
Number of Businesses Acquired	4
Columbia State Bank [Member] \| Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)		10 years
Anchor Bank [Member] \| Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)		10 years

Note 10 - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ACL on loans	$ 6,743	$ 6,859
Non-accrued loan interest	65	42
Lease liability	1,269	1,194
Securities available-for-sale	4,607	6,256
ACL on unfunded commitments	381	302
Other	132	36
Purchase accounting adjustments	835	481
Total deferred tax assets	14,799	15,764
Loan origination costs	(2,565)	(2,513)
MSRs	(1,856)	(1,960)
Stock dividend - FHLB stock	(7)	0
Property, plant, and equipment	(1,859)	(1,515)
Lease right-of-use assets	(1,247)	(1,156)
Interest rate swaps designated as cash flow hedge	(272)	(1,561)
Total deferred tax liabilities	(7,806)	(8,705)
Net deferred tax assets	6,993	7,059
Restricted Stock [Member]
Share-Based Compensation Cost	75	105
Share-Based Payment Arrangement, Option [Member]
Share-Based Compensation Cost	$ 692	$ 489

Note 10 - Income Taxes

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Text Block]

NOTE 10 – INCOME TAXES

The components of income tax expense for the years indicated were as follows:

	For the Year Ending December 31,
Provision for income taxes	2025			2024			2023
Current federal income tax expense	$	7,699		$	8,244		$	9,685
Current state and local income tax expense		369			336			227
Deferred federal income tax benefit		(278	)		(1,965	)		(677	)
Deferred state and local income tax benefit		(16	)		(58	)		(16	)
Total provision for income taxes	$	7,774		$	6,557		$	9,219

A reconciliation of the effective income tax rate with the federal statutory tax rates at the dates indicated was as follows:

	December 31,
	2025					2024					2023
Pre-tax income - domestic	$	41,120				$	41,581				$	45,272
Pre-tax income - foreign		—					—					—
Total pre-tax income	$	41,120				$	41,581				$	45,272

Effective tax rate
US federal statutory tax rate	$	8,635		21.0	%	$	8,732		21.0	%	$	9,507		21.0	%
State and local income taxes, net of federal income tax effect		279		0.7			219		0.5			166		0.4
Foreign tax effects		—		—			—		—			—		—
Effect of changes in tax laws or rates enacted in the current period		—		—			—		—			—		—
Effect of cross-border tax laws		—		—			—		—			—		—
Tax credits
Purchased income tax credits		(660	)	(1.6	)		(2,277	)	(5.5	)		—		—
Other		(150	)	(0.3	)		(93	)	(0.2	)		(60	)	(0.1	)
Changes in valuation allowance		—		—			—		—			—		—
Nontaxable or nondeductible items
Excess executive compensation		104		0.3			560		1.3			52		0.1
Bank owned life insurance		(470	)	(1.1	)		(223	)	(0.5	)		(193	)	(0.4	)
Other		183		0.3			204		0.5			25		0.1
Changes in unrecognized tax benefits		—		—			—		—			—		—
Other
Stock-based compensation (windfalls) / shortfalls		(64	)	(0.2	)		(631	)	(1.5	)		(208	)	(0.5	)
Other		(83	)	(0.2	)		66		0.2			(70	)	(0.2	)
Effective tax rate	$	7,774		18.9	%	$	6,557		15.8	%	$	9,219		20.4	%

Statement of Cash Flows - Cash income taxes paid net of refunds
Federal	$	200				$	2,060				$	10,100
State
Oregon	$	(18	)			$	305				$	165
Other		2					(29	)				101
Foreign		—					—					—

Cash paid for transferred tax credits
Federal	$	7,587				$	26,008				$	—
Oregon		209					209					—

Total deferred tax assets and liabilities at the dates indicated were as follows:

	December 31,
Deferred Tax Assets	2025			2024
ACL on loans	$	6,743		$	6,859
Non-accrued loan interest		65			42
Restricted stock awards		75			105
Non-qualified stock options		692			489
Lease liability		1,269			1,194
Securities available-for-sale		4,607			6,256
ACL on unfunded commitments		381			302
Other		132			36
Purchase accounting adjustments		835			481
Total deferred tax assets		14,799			15,764
Deferred Tax Liabilities
Loan origination costs		(2,565	)		(2,513	)
MSRs		(1,856	)		(1,960	)
Stock dividend - FHLB stock		(7	)		—
Property, plant, and equipment		(1,859	)		(1,515	)
Lease right-of-use assets		(1,247	)		(1,156	)
Interest rate swaps designated as cash flow hedge		(272	)		(1,561	)
Total deferred tax liabilities		(7,806	)		(8,705	)
Net deferred tax assets	$	6,993		$	7,059

The Company files a U.S. Federal income tax return and Oregon, Idaho, and Arizona state income tax returns, which are subject to examination by tax authorities for years 2022 and later. At December 31, 2025 and 2024, the Company had no uncertain tax positions. The Company recognized no interest and penalties in tax expense for the years ended December 31, 2025, 2024 and 2023.

The entire disclosure for income tax.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Note 3 - Loans Receivable and Allowance for Credit Losses on Loans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Unamortized Loan Cost (Fee)	$ 8,600,000	$ 8,000,000
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	2,655,109,000	2,533,821,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	10,464,000	7,135,000	$ 3,476,000
Financing Receivable, Modified, Commitment to Lend	0	5,300,000
Financing Receivable, Modified, Subsequent Default	0	0	0
Financing Receivable, 90 Days or More Past Due, Still Accruing	0	0
Financing Receivable, Nonaccrual, Interest Income	576,000	427,000	579,000
Loans and Leases Receivable, Commitment to Lend, Related Party	3,500,000	3,600,000
Real Estate Owned (OREO) [Member]
Mortgage Loans in Process of Foreclosure, Amount	156,000	84,000
Commercial Business Portfolio Segment [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	329,291,000	299,932,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	433,000	1,141,000	1,000
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	301,111,000	287,014,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	433,000	1,141,000
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member] \| SBA USDA Guaranteed Certificates [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	44,800,000	52,600,000
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	969,471,000	871,337,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	2,300,000	(0)	$ (0)
Asset Pledged as Collateral [Member] \| Federal Home Loan Bank Advances [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	1,080,000,000.00	1,110,000,000
Asset Pledged as Collateral [Member] \| Federal Reserve Bank [Member] \| Federal Reserve Bank of San Francisco [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	$ 580,900,000	$ 606,500,000

Note 18 - Stock-based Compensation - Schedule of Valuation Assumptions (Details) - Share-Based Payment Arrangement, Option [Member] - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Dividend yield	2.79%	2.57%	3.25%
Expected volatility	38.45%	29.55%	28.24%
Risk-free interest rate	3.98%	3.82%	4.35%
Expected term in years (Year)	6 years 2 months 12 days	6 years 3 months 18 days	6 years 6 months
Weighted-average grant date fair value per option granted (in dollars per share)	$ 13.21	$ 11.36	$ 7.61

Note 4 - Mortgage Servicing Rights (Tables)

12 Months Ended

Dec. 31, 2025

Servicing Asset at Amortized Cost [Table Text Block]

	At or For the Year Ended
	December 31,
	2025			2024			2023
Beginning balance, at the lower of cost or fair value	$	9,204		$	17,176		$	18,017
Additions		2,129			2,415			2,772
Sales		—			(7,953	)		—
MSRs amortized		(2,671	)		(2,472	)		(3,565	)
(Impairment) recovery of MSRs		(54	)		38			(48	)
Ending balance, at the lower of cost or fair value	$	8,608		$	9,204		$	17,176

Schedule of Servicing Assets at Fair Value [Table Text Block]

	December 31,
	2025		2024
Aggregate portfolio principal balance	$	1,673,501	$	1,632,141
Weighted average rate of loans in MSRs portfolio		4.4%		4.2%
Fair value MSRs	$	21,800	$	21,043
Weighted average life in years		7.7		7.9
Weighted average constant prepayment rate		8.5%		8.3%
Decline in fair value from 10% adverse change (prepayment-only)	$	736	$	408
Decline in fair value from 20% adverse change (prepayment-only)	$	1,253	$	776
Effective discount rate		9.1%		10.2%
Decline in fair value from 10% adverse change (prepayment + discount rate)	$	899	$	911
Decline in fair value from 20% adverse change (prepayment + discount rate)	$	1,730	$	1,819

Note 22 - Definitive Agreement

12 Months Ended

Dec. 31, 2025

Business Combination [Text Block]

NOTE 22 – DEFINITIVE AGREEMENT

On February 25, 2026, the Company entered into a definitive agreement (the “Agreement”) with Pacific West Bancorp, headquartered in West Linn, Oregon ("Pacific West"), pursuant to which Pacific West will be merged with and into the Company, and immediately thereafter Pacific West’s bank subsidiary, Pacific West Bank, will be merged with and into 1st Security Bank of Washington. Pacific West Bank primarily serves the Greater Portland, Oregon metropolitan area with four branch locations in Portland, Vancouver, West Linn, and Lake Oswego.

Under the terms of the Agreement, the aggregate consideration will consist of 430,176 shares of FS Bancorp common stock and $16,832,742 in cash. Pacific West shareholders will have the right to elect shares of FS Bancorp common stock or cash, subject to proration as provided in the Agreement. Based on the closing price of FS Bancorp common stock of $41.26 on February 25, 2026, the consideration value for Pacific West was $34.6 million, or approximately $12.52 per share. Upon completion of the merger, Pacific West shareholders would hold, in aggregate, approximately 5.4% of FS Bancorp’s outstanding common stock.

All of the directors of Pacific West have agreed to vote their shares of Pacific West common stock in favor of approval of the Agreement. The proposed transaction is subject to customary closing conditions, including the receipt of regulatory approvals and approval of the Agreement by the shareholders of Pacific West, and is expected to be completed in the third quarter of 2026.

At December 31, 2025, Pacific West reported total assets of $386.0 million, total loans of $276.6 million and total deposits of $342.2 million.

The entire disclosure for business combination.

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Note 5 - Premises and Equipment - Summary of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Premises and equipment, gross	$ 68,818	$ 57,053
Less accumulated depreciation and amortization	(24,753)	(27,297)
Total	44,065	29,756
Land [Member]
Premises and equipment, gross	10,333	7,925
Building [Member]
Premises and equipment, gross	32,862	20,814
Furniture Fixtures and Equipment [Member]
Premises and equipment, gross	17,443	16,831
Leasehold Improvements [Member]
Premises and equipment, gross	2,874	2,880
Building Improvements [Member]
Premises and equipment, gross	4,924	8,392
Construction in Progress [Member]
Premises and equipment, gross	$ 382	$ 211

Note 20 - Goodwill and Other Intangible Assets - Schedule of Changes in Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Balance, net	$ 13,710
Amortization	(3,192)	$ (3,633)	$ (3,464)
Balance, net	10,518	13,710
Core Deposits [Member]
Balance	24,928	24,928
Balance, accumulated amortization	(11,218)	(7,585)
Amortization	(3,192)	(3,633)
Balance	24,928	24,928	24,928
Balance, accumulated amortization	(14,410)	(11,218)	(7,585)
Balance, net	10,518
Core Deposits [Member] \| Net Amount [Member]
Balance, net	13,710	17,343
Amortization	(3,192)	(3,633)
Balance, net	$ 10,518	$ 13,710	$ 17,343

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

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-Paragraph 28
-Subparagraph (b)
-SubTopic 10
-Topic 230
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482740/230-10-45-28

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 18
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-18

Reference 3: http://www.xbrl.org/2003/role/exampleRef
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Reference 4: http://www.xbrl.org/2003/role/exampleRef
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Reference 5: http://www.xbrl.org/2003/role/exampleRef
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Reference 6: http://www.xbrl.org/2003/role/exampleRef
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-URI https://asc.fasb.org/1943274/2147476148/220-40-50-6

Note 2 - Investments - Schedule of Gain or Loss of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Proceeds from sale of investment securities	$ 0	$ 101,907	$ 0
Realized gain		215
Realized loss		$ (8,051)

Note 19 - Business Segments (Details Textual)	12 Months Ended
Note 19 - Business Segments (Details Textual)	Dec. 31, 2025
Number of Bank Branches	27
Number of Reportable Segments	2

Note 7 - Deposits (Details Textual) - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Related Party Deposit Liabilities	$ 5,200,000	$ 3,200,000
Deposit Liabilities, Checking [Member]
Interest-Bearing Domestic Deposit, Brokered	140,200,000	0
Deposit Liabilities, Money Market [Member]
Interest-Bearing Domestic Deposit, Brokered	20,300,000	279,000
Deposit Liabilities, Certificates of Deposits Less Than 100,000 [Member]
Interest-Bearing Domestic Deposit, Brokered	$ 202,100,000	$ 143,100,000

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted [Flag]	true

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Dividends paid, per share (in dollars per share)	$ 1.34	$ 1.06	$ 1

Note 19 - Business Segments - Schedule of Segment Financial Results (Details)
$ in Thousands

12 Months Ended

Dec. 31, 2025

USD ($)

Dec. 31, 2024

USD ($)

Dec. 31, 2023

USD ($)

$ 181,881

$ 170,857

$ 154,945

15,365

13,980

12,247

197,246

184,837

167,192

8,280

8,557

6,711

22,277

21,556

20,490

57,669

53,163

36,751

1,942

66,840

61,732

43,889

9,546

5,511

4,774

57,781

55,092

53,622

Income before provision for income taxes by segment

102,017

97,569

93,747

41,120

41,581

45,272

(7,774)

(6,557)

(9,219)

33,346

35,024

36,053

3,196,847

3,029,177

8,356

Operating Segments [Member]

(7,836)

181,881

170,857

154,945

15,365

13,980

12,247

197,246

184,837

167,192

8,280

8,557

6,711

Other income

13,997

4,643

13,779

Intersegment income

22,277

21,556

20,490

Total income by segment

219,523

206,393

187,682

Interest expense - borrowings

57,669

53,163

36,751

7,229

6,627

5,196

Interest expense - intersegment

1,942

66,840

61,732

43,889

9,546

5,511

4,774

40,064

35,079

35,372

Overhead allocation

30,722

29,023

27,375

Other segment items

^[1]

31,231

33,467

31,000

Income before provision for income taxes by segment

102,017

97,569

93,747

41,120

41,581

45,272

(7,774)

(6,557)

(9,219)

33,346

35,024

36,053

$ 3,196,847

$ 3,029,177

$ 2,972,669

FTEs

580

562

570

$ 8,356

Operating Segments [Member] | Commercial And Consumer Banking [Member]

$ 146,140

139,996

$ 127,947

15,365

13,980

12,247

161,505

153,976

140,194

Other income

11,239

1,856

9,178

Intersegment income

(1,295)

898

1,190

10,007

9,227

10,368

Total income by segment

171,512

163,203

150,562

Interest expense - borrowings

57,649

53,156

36,743

7,229

6,627

5,196

Interest expense - intersegment

1,541

1,555

1,581

(24,048)

(20,666)

(15,063)

42,371

40,672

28,457

9,001

5,393

3,494

32,355

26,609

25,623

Overhead allocation

23,352

22,464

21,266

Other segment items

^[1]

25,794

28,542

26,878

Income before provision for income taxes by segment

81,501

77,615

73,767

38,639

39,523

44,844

(7,305)

(6,733)

(9,132)

31,334

32,790

35,712

$ 2,538,874

$ 2,410,777

$ 2,420,930

FTEs

462

447

$ 6,473

Operating Segments [Member] | Home Lending [Member]

$ 35,741

30,861

$ 26,998

35,741

30,861

26,998

8,217

8,557

6,711

Other income

2,758

2,787

4,601

Intersegment income

1,295

(898)

(1,190)

12,270

12,329

10,122

Total income by segment

48,011

43,190

37,120

Interest expense - borrowings

Interest expense - intersegment

401

387

361

24,048

20,666

15,063

24,469

21,060

15,432

545

118

1,280

7,709

8,470

9,749

Overhead allocation

7,370

6,559

6,109

Other segment items

^[1]

5,437

4,925

4,122

Income before provision for income taxes by segment

20,516

19,954

19,980

2,481

2,058

428

(469)

176

(87)

2,012

2,234

341

$ 657,973

$ 618,400

$ 551,739

FTEs

118

115

123

$ 1,883

$ 0

[1]	Other segments items include operations, occupancy, data processing, loan costs, professional and board fees, marketing and advertising, and (recovery) impairment of MSRs.

Note 10 - Income Taxes - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Current federal income tax expense	$ 7,699	$ 8,244	$ 9,685
Current state and local income tax expense	369	336	227
Deferred federal income tax benefit	(278)	(1,965)	(677)
Deferred state and local income tax benefit	(16)	(58)	(16)
Total provision for income taxes	$ 7,774	$ 6,557	$ 9,219

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2022	7,736,185
Balance at Dec. 31, 2022	$ 77	$ 55,187	$ 202,065	$ (25,632)	$ 231,697
Net income	0	0	36,053	0	36,053
Dividends paid	0	0	(7,764)	0	(7,764)
Share-based compensation	$ 0	2,010	0	0	2,010
Issuance of common stock- employee stock purchase plan (in shares)	32,330
Issuance of common stock- employee stock purchase plan	$ 1	1,016	0	0	1,017
Restricted stock awards (in shares)	37,600
Restricted stock awards	$ 0	0	0	0	0
Restricted stock awards forfeited (in shares)	(9,524)
Restricted stock awards forfeited	$ 0	0	0	0	0
Common stock repurchased - repurchase plan (in shares)	(32,334)
Common stock repurchased - repurchase plan	$ 0	(223)	0	0	(223)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(11,446)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(355)	0	0	(355)
Stock options exercised, net (in shares)	47,734
Stock options exercised, net	$ 0	(273)	0	0	(273)
Other comprehensive income, net of tax	$ 0	0	0	2,326	2,326
Less exercised, options (in shares)	47,734
Stock options exercised, net	$ 0	(273)	0	0	(273)
Balance (in shares) at Dec. 31, 2023	7,800,545
Balance at Dec. 31, 2023	$ 78	57,362	230,354	(23,306)	264,488
Net income	0	0	35,024	0	35,024
Dividends paid	0	0	(8,265)	0	(8,265)
Share-based compensation	$ 0	1,806	0	0	1,806
Issuance of common stock- employee stock purchase plan (in shares)	29,122
Issuance of common stock- employee stock purchase plan	$ 1	1,074	0		1,075
Restricted stock awards (in shares)	42,250
Restricted stock awards	$ 0	0	0	0	0
Restricted stock awards forfeited (in shares)	(4,000)
Restricted stock awards forfeited	$ 0	0	0	0	0
Common stock repurchased - repurchase plan (in shares)	(213,188)
Common stock repurchased - repurchase plan	$ (1)	(2,507)	0	0	(2,508)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(9,193)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(386)	0	0	(386)
Stock options exercised, net (in shares)	187,478
Stock options exercised, net	$ 0	(1,633)	0	0	(1,633)
Other comprehensive income, net of tax	$ 0	0	0	6,166	6,166
Less exercised, options (in shares)	187,478
Stock options exercised, net	$ 0	(1,633)	0	0	(1,633)
Balance (in shares) at Dec. 31, 2024	7,833,014
Balance at Dec. 31, 2024	$ 78	55,716	257,113	(17,140)	295,767
Net income	0	0	33,346	0	33,346
Dividends paid	0	0	(10,262)	0	(10,262)
Share-based compensation	$ 0	2,254	0	0	2,254
Issuance of common stock- employee stock purchase plan (in shares)	30,942
Issuance of common stock- employee stock purchase plan	$ 0	1,222	0	0	1,222
Restricted stock awards (in shares)	37,872
Restricted stock awards	$ 0	0	0	0	0
Common stock repurchased - repurchase plan (in shares)	(401,078)
Common stock repurchased - repurchase plan	$ (3)	(15,420)	0	0	(15,423)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(10,881)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(464)	0	0	(464)
Stock options exercised, net (in shares)	17,650
Stock options exercised, net	$ 0	(57)	0	0	(57)
Other comprehensive income, net of tax	$ 0	0	0	1,311	1,311
Less exercised, options (in shares)	17,650
Stock options exercised, net	$ 0	(57)	0	0	(57)
Balance (in shares) at Dec. 31, 2025	7,507,519
Balance at Dec. 31, 2025	$ 75	$ 43,251	$ 280,197	$ (15,829)	$ 307,694

Note 4 - Mortgage Servicing Rights - Schedule of Mortgage Servicing Rights (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Balance, MSR, beginning	$ 9,204	$ 17,176	$ 18,017
Additions	2,129	2,415	2,772
Sales	0	(7,953)	0
MSRs amortized	(2,671)	(2,472)	(3,565)
(Impairment) recovery of MSRs	(54)	38	(48)
Balance, MSR, ending	$ 8,608	$ 9,204	$ 17,176

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Available-for-Sale, Amortized Cost	$ 310,097	$ 310,272
Available-for-Sale, Allowance for Credit Loss	0	0
Held-to-Maturity, Allowance for Credit Loss	277	45
Securities held-to-maturity, at fair value	34,396	8,144
Financing Receivable, Allowance for Credit Loss	31,937	31,870
Loans receivable, at fair value	$ 13,183	$ 12,728
Preferred Stock, Par Value (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized (in shares)	5,000,000	5,000,000
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)	45,000,000	45,000,000
Common Stock, Shares Issued (in shares)	7,507,519	7,833,014
Common Stock, Shares Outstanding (in shares)	7,507,519	7,833,014

Note 16 - Derivatives

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Text Block]

NOTE 16 – DERIVATIVES

The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates.

The Company’s predominant derivative and hedging activities involve interest rate swaps related to certain borrowings, brokered deposits, investment securities, forward sales contracts, and commitments to extend credit associated with mortgage banking activities. Generally, these instruments help the Company manage exposure to market risk. Market risk represents the possibility that economic value or net interest income will be adversely affected by fluctuations in external factors such as market-driven interest rates and prices or other economic factors.

Mortgage Banking Derivatives Not Designated as Hedges

The Company regularly enters into commitments to originate and sell loans held for sale. The Company has exposure to movements in interest rates associated with written interest rate lock commitments with potential borrowers to originate one-to four-family loans that are intended to be sold and for closed one-to-four-family mortgage loans held for sale for which fair value accounting has been elected, that are awaiting sale and delivery into the secondary market. The Company economically hedges the risk of changing interest rates associated with these mortgage loan commitments by entering into forward sales contracts to sell one-to-four-family mortgage loans or into contracts to sell forward To-Be-Announced (“TBA”) mortgage-backed securities. These commitments and contracts are considered derivatives but have not been designated as hedging instruments for reporting purposes under U.S. GAAP. Rather, they are accounted for as free-standing derivatives, or economic hedges, with changes in the fair value of the derivatives reported in noninterest income or noninterest expense. The Bank recognizes all derivative instruments as either “Other assets” or “Other liabilities” on the Consolidated Balance Sheets and measures those instruments at fair value.

Customer Swaps Not Designated as Hedges

The Company also enters into derivative contracts, which consist of interest rate swaps, to facilitate the needs of clients desiring to manage interest rate risk. These swaps are not designated as accounting hedges under ASC 815, Derivatives and Hedging. To economically hedge the interest rate risk associated with offering this product, the Company simultaneously enters into derivative contracts with third parties to offset the customer contracts such that the Company minimizes its net risk exposure resulting from such transactions. The derivative contracts are structured such that the notional amounts reduce over time to generally match the expected amortization of the underlying loans. These derivatives are not speculative and arise from a service provided to clients.

Cash Flow Hedges

The Company has entered into interest rate swaps to reduce its exposure to variability in interest-related cash outflows attributable to changes in forecasted SOFR based brokered deposits. These derivative instruments are designated as cash flow hedges. The hedged item is the SOFR portion of a series of future adjustable-rate borrowings and deposits over the term of the interest rate swap. Accordingly, changes in the amount of interest payment cash flows for the hedged transactions attributable to changes in the Company's own credit risk are excluded from management’s assessment of hedge effectiveness. The Company tests for hedging effectiveness on a quarterly basis. The accumulated other comprehensive income is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. The Company has not recorded any hedge ineffectiveness since the inception of the hedges.

The Company expects that approximately $218,000 will be reclassified from accumulated other comprehensive loss as a decrease to interest expense over the next 12 months related to these cash flow hedges.

Fair Value Hedges

The Company is exposed to changes in the fair value of certain of its pools of prepayable fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate, the SOFR. Interest rate swaps designated as fair value hedges involve the receipt of variable-rate amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without the exchange of the underlying notional amount. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.

The following amounts were recorded on the balance sheet related to cumulative-basis adjustment for fair value hedges for the dates indicated:

Line item in the Consolidated Balance Sheets in which the hedged item is included	Carrying Amount of the Hedged Assets		Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets
December 31, 2025
Investment securities ⁽¹⁾	$	57,869	$	2,131
Total	$	57,869	$	2,131

December 31, 2024
Investment securities ⁽¹⁾	$	55,701	$	4,299
Total	$	55,701	$	4,299

____________________________________

(1)

These amounts include the amortized cost basis of closed portfolios used in designated hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At December 31, 2025, the amortized cost basis of the closed portfolios used in these hedging relationships was $179.4 million; the cumulative basis adjustments associated with these hedging relationships was a loss of $2.1 million; and the amount of the designated hedged items was $60.0 million. At December 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $189.0 million; the cumulative basis adjustment associated with these hedging relationships was a loss of $4.3 million; and the amount of the designated hedged items was $60.0 million.

The following tables summarize the Company’s derivative instruments at the dates indicated. The Company recognizes derivative assets and liabilities in “Other assets” and “Other liabilities”, respectively, on the Consolidated Balance Sheets, as follows:

	December 31, 2025
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	300,000	$	1,894	$	656
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		25,468		241		—
Mandatory and best effort forward commitments with investors		8,985		8		—
Forward TBA mortgage-backed securities		56,000		—		146
Interest rate swaps – customer swap positions		627		—		36
Interest rate swaps – dealer offsets to customer swap positions		627		36		—

	December 31, 2024
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	340,000	$	7,244	$	—
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		16,905		103		—
Mandatory and best effort forward commitments with investors		6,829		31		—
Forward TBA mortgage-backed securities		31,000		180		—
Interest rate swaps – customer swap positions		716		—		61
Interest rate swaps – dealer offsets to customer swap positions		716		62		—

The following table summarizes the effect of fair value and cash flow hedge accounting on the Consolidated Statements of Income for the years indicated:

	Year Ended December 31,
	2025					2024					2023
	Interest					Interest					Interest
	Expense		Interest			Expense		Interest			Expense		Interest
	Deposits and		Income			Deposits and		Income			Deposits and		Income
	Borrowings		Securities			Borrowings		Securities			Borrowings		Securities
Total amounts presented on the Consolidated Statements of Income	$	64,898	$	15,365		$	59,790	$	13,980		$	36,751	$	12,247
Net gains (losses) on fair value hedging relationships:
Interest rate swaps – securities
Recognized on hedged items	$	—	$	2,168		$	—	$	(1,084	)	$	—	$	892
Recognized on derivatives designated as hedging instruments		—		(2,168	)		—		1,084			—		(892	)
Net interest income recognized on cash flows of derivatives designated as hedging instruments		—		1,051			—		1,597			—		1,509
Net income recognized on fair value hedges	$	—	$	1,051		$	—	$	1,597		$	—	$	1,509
Net gain on cash flow hedging relationships:
Interest rate swaps – brokered deposits and borrowings
Realized gains, pre-tax, reclassified from accumulated other comprehensive loss into net income	$	2,072	$	—		$	4,951	$	—		$	5,465	$	—
Net income recognized on cash flow hedges	$	2,072	$	—		$	4,951	$	—		$	5,465	$	—

Changes in the fair value of the non-hedging derivatives were recorded in “Gain on sale of loans” on the Consolidated Statements of Income and resulted in net gains of $89,000, net losses of $29,000, and net gains of $75,000 for the years ended December 31, 2025, 2024 and 2023, respectively.

The following tables present a summary of amounts outstanding in derivative financial instruments, including those entered into in connection with the same counterparty under master netting agreements at the dates indicated. While these agreements are typically over-collateralized, GAAP requires disclosures in these tables to limit the amount of such collateral to the amount of the related asset or liability for each counterparty.

					Net Amounts
			Gross		of Assets
	Gross		Amounts		Presented in		Gross Amounts Not Offset
	Amounts		Offset in the		the		in the Consolidated Balance Sheets
	of		Consolidated		Consolidated				Cash
	Recognized		Balance		Balance		Financial		Collateral
Offsetting of derivative assets	Assets		Sheets		Sheets		Instruments		Received		Net Amount
At December 31, 2025
Interest rate swaps	$	2,269	$	339	$	1,930	$	—	$	—	$	1,930

At December 31, 2024
Interest rate swaps	$	7,844	$	538	$	7,306	$	—	$	740	$	6,566

Net Amounts

Gross

of Liabilities

Gross

Amounts

Presented in

Amounts

Offset in the

the

Gross Amounts Not Offset

Consolidated

in the Consolidated Balance Sheets

Recognized

Balance

Financial

Cash Collateral

Offsetting of derivative liabilities

Liabilities

Sheets

Instruments

Posted

Net Amount

At December 31, 2025

Interest rate swaps

679

656

—

680

—

Credit Risk-Related Contingent Features

The Company has derivative contracts with its derivative counterparties that contain a provision to post collateral to the counterparties when these contracts are in a net liability position. At December 31, 2025, the Company had $680,000 of collateral posted due to this provision. Receivables related to cash collateral that has been paid to counterparties is included in “Cash and cash equivalents” on the Consolidated Balance Sheets. In certain cases, the Company will have posted excess collateral, compared to total exposure due to initial margin requirements or day-to-day rate volatility.

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 182
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-182

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 185
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-185

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
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Note 14 - Fair Value Measurements

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Text Block]

NOTE 14 – FAIR VALUE MEASUREMENTS

The Company determines fair value based on the requirements established in ASC Topic 820, Fair Value Measurements, which provides a framework for measuring fair value in accordance with U.S. GAAP and requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. ASC Topic 820 defines fair value as the exit price, or the price that would be received for an asset or paid to transfer a liability, in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date under current market conditions.

The following definitions describe the levels of inputs that may be used to measure fair value:

Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.

Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.

Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement.

The following methods were used to estimate the fair value of certain assets and liabilities on a recurring and nonrecurring basis:

Securities – The fair value of securities available-for-sale are recorded on a recurring basis. The fair value of investments and mortgage-backed securities are provided by a third-party pricing service. These valuations are based on market data using pricing models that vary by asset class and incorporate available current trade, bid and other market information, and for structured securities, cash flow, and loan performance data. The pricing processes utilize benchmark curves, benchmarking of similar securities, sector groupings, and matrix pricing. Option adjusted spread models are also used to assess the impact of changes in interest rates and to develop prepayment scenarios (Level 2). Transfers between the fair value hierarchy are determined through the third-party service provider which, from time to time will transfer between levels based on market conditions per the related security. All models and processes used consider market convention.

Mortgage Loans Held for Sale – The fair value of loans held for sale reflects the value of commitments with investors and/or the relative price as delivered into a To-Be-Announced (“TBA”) mortgage-backed security (Level 2).

Loans Receivable – Certain residential mortgage loans were initially originated for sale with the fair value option elected; after origination, these loans were transferred to loans held for investment. As of December 31, 2025 and 2024, there were $13.2 million and $12.7 million, respectively, in residential mortgage loans recorded at fair value as they were previously transferred from held for sale to loans held for investment. The aggregate unpaid principal balance of these loans were $13.8 million as of December 31, 2025 and 2024.Gains and losses from changes in fair value for these loans are reported in earnings as a component of “Other noninterest income” on the Consolidated Statements of Income. For the years ended December 31, 2025, 2024 and 2023, the Company recorded net increases in fair value of $534,000, $52,000, and $447,000, respectively. For loans originated as held for sale and transferred into loans held for investment, the fair value is determined based on quoted secondary market prices for similar loans (Level 2).

Derivative Instruments – Fair values for derivative assets and liabilities are measured on a recurring basis. The primary use of derivative instruments is related to the mortgage banking activities of the Company. The fair value of the interest rate lock commitments and forward sales commitments are estimated using quoted or published market prices for similar instruments, adjusted for factors such as pull-through rate assumptions based on historical information, where appropriate. TBA mortgage-backed securities are fair valued on similar contracts in active markets (Level 2) while locks and forwards with customers and investors are fair valued using similar contracts in the market and changes in the market interest rates (Level 2 and 3). Derivative instruments not related to mortgage banking activities include interest rate swap agreements. The fair values of interest rate swap agreements are based on valuation models using observable market data as of the measurement date (Level 2). The Company’s derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including market transactions and third-party pricing services. The fair values of all interest rate swaps are determined from third-party pricing services without adjustment.

Collateral Dependent Loans – Expected credit losses on collateral-dependent loans are measured based on the fair value of the collateral as of the reporting date, less estimated selling costs, as applicable. If the fair value of collateral is less than the amortized cost basis of the loan, the Company will recognize an allowance as the difference between the fair value of the collateral, less costs to sell (if applicable) at the reporting date and the amortized cost basis of the loan. If the fair value of the collateral exceeds the amortized cost basis of the loan, any expected recovery added to the amortized cost basis is limited to the amount previously charged-off. Subsequent changes in expected credit losses on collateral-dependent loans are included within the provision for credit losses, either as an additional provision or as a reduction of the provision that would otherwise be reported (Level 3).

Mortgage Servicing Rights – The fair value of MSRs is estimated using net present value of expected cash flows using a third-party model that incorporates assumptions used in the industry to value such rights, adjusted for factors such as weighted average prepayments speeds based on historical information where appropriate (Level 3).

The following tables present securities available-for-sale, mortgage loans held for sale, loans receivable, at fair value, and derivative assets and liabilities measured at fair value on a recurring basis at the dates indicated:

Financial Assets	At December 31, 2025
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	18,127		$	—	$	18,127
Corporate securities		—		15,386			—		15,386
Municipal bonds		—		71,405			—		71,405
Mortgage-backed securities		—		173,567			—		173,567
Asset-backed securities		—		10,182			—		10,182
Mortgage loans held for sale, at fair value		—		43,705			—		43,705
Loans receivable, at fair value		—		13,183			—		13,183
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			8		8
Interest rate lock commitments with customers		—		—			241		241
Interest rate swaps - cash flow and fair value hedges		—		1,894			—		1,894
Interest rate swaps - dealer offsets to customer swap positions		—		36			—		36
Total assets measured at fair value	$	—	$	347,485		$	249	$	347,734
Financial Liabilities
Derivatives:
Interest rate swaps - customer swap positions	$	—	$	(36	)	$	—	$	(36	)
Interest rate swaps - cash flow and fair value hedges		—		(656	)		—		(656	)
Forward TBA mortgage-backed securities		—		(146	)		—		(146	)
Total liabilities measured at fair value	$	—	$	(838	)	$	—	$	(838	)

Financial Assets	At December 31, 2024
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	17,138		$	—	$	17,138
Corporate securities		—		15,126			—		15,126
Municipal bonds		—		70,344			—		70,344
Mortgage-backed securities		—		167,186			—		167,186
Asset-backed securities		—		11,381			—		11,381
Mortgage loans held for sale, at fair value		—		27,835			—		27,835
Loans receivable, at fair value		—		12,728			—		12,728
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			31		31
Interest rate lock commitments with customers		—		—			103		103
Forward TBA mortgage-backed securities		—		180			—		180
Interest rate swaps- cash flow and fair value hedges		—		7,244			—		7,244
Interest rate swaps - dealer offsets to customer swap positions		—		62			—		62
Total assets measured at fair value	$	—	$	329,224		$	134	$	329,358
Financial Liabilities
Derivatives:
Interest rate swaps - customer swap positions	$	—	$	(61	)	$	—	$	(61	)
Total liabilities measured at fair value	$	—	$	(61	)	$	—	$	(61	)

The following tables present financial assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy at the dates indicated. Level 3 assets recorded at fair value on a nonrecurring basis included loans for which a partial charge-off was recorded based on the estimated fair value of the underlying collateral.

	December 31, 2025
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	9,236	$	9,236
MSRs		—		—		21,800		21,800

	December 31, 2024
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	1,130	$	1,130
MSRs		—		—		21,043		21,043

Quantitative Information about Level 3 Fair Value Measurements – Shown in the table below is the fair value of financial instruments measured under a Level 3 unobservable input on a recurring and nonrecurring basis at the dates indicated:

Level 3		Significant			Weighted Average Rate
Fair Value	Valuation	Unobservable			December 31,			December 31,
Instruments	Techniques	Inputs	Range		2025			2024
RECURRING
Interest rate lock commitments with customers	Quoted market prices	Pull-through expectations		80% - 99%		93.7	%		94.0	%
Individual forward sale commitments with investors	Quoted market prices	Pull-through expectations		80% - 99%		93.7	%		94.0	%
NONRECURRING
Collateral dependent loans	Fair value of underlying collateral	Discount applied to the obtained appraisal		0% - 25%		—	%		—	%
MSRs	Industry sources	Pre-payment speeds		0% - 50%		8.5	%		8.3	%

The pull-through rate is based on historical loan closing rates for similar interest rate lock commitments. An increase or decrease in the pull-through rate would have a corresponding positive or negative fair value adjustment.

The following table provides a reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the years indicated:

				Purchases									Net change in			Net change in
	Beginning			and			Sales and			Ending			fair value for			fair value for
2025	Balance			Issuances			Settlements			Balance			gains/(losses) ⁽¹⁾			gains/(losses)⁽²⁾
Interest rate lock commitments with customers	$	103		$	3,903		$	(3,765	)	$	241		$	138		$	—
Individual forward sale commitments with investors		31			(144	)		121			8			(23	)		—
2024
Interest rate lock commitments with customers	$	329		$	4,279		$	(4,505	)	$	103		$	(226	)	$	—
Individual forward sale commitments with investors		(188	)		(1,626	)		1,845			31			219			—
2023
Interest rate lock commitments with customers	$	107		$	4,291		$	(4,069	)	$	329		$	222		$	—
Individual forward sale commitments with investors		(38	)		66			(216	)		(188	)		(150	)		—

_____________________________

(1) Relating to items held at end of period included in income.

(2) Relating to items held at end of period included in other comprehensive income.

Gains on interest rate lock commitments and on forward sale commitments with investors carried at fair value are recorded in “Gain on sale of loans held for sale” on the Consolidated Statements of Income.

The following table provides estimated fair values of the Company’s financial instruments at the dates indicated, whether recognized at fair value or not on the Consolidated Balance Sheets:

	December 31, 2025				December 31, 2024
Financial Assets	Carrying		Fair		Carrying		Fair
Level 1 inputs:	Amount		Value		Amount		Value
Cash and cash equivalents	$	28,219	$	28,219	$	31,635	$	31,635
Certificates of deposit at other financial institutions		—		—		1,727		1,727
Level 2 inputs:
Securities available-for-sale, at fair value		288,667		288,667		281,175		281,175
Securities held-to-maturity, gross		33,501		34,396		8,500		8,144
Loans held for sale, at fair value		43,705		43,705		27,835		27,835
Forward TBA mortgage-backed securities		—		—		180		180
Loans receivable, at fair value		13,183		13,183		12,728		12,728
Interest rate swaps - cash flow and fair value hedges		1,894		1,894		7,244		7,244
Interest rate swaps - dealer offsets to customer swap positions		36		36		62		62
Level 3 inputs:
Loans receivable, gross		2,641,926		2,578,744		2,521,093		2,385,213
MSRs, held at lower of cost or fair value		8,608		21,800		9,204		21,043
Mandatory and best effort forward commitments with investors		8		8		31		31
Fair value interest rate locks with customers		241		241		103		103
Financial Liabilities
Level 2 inputs:
Time deposits		1,130,396		1,129,892		1,028,896		1,024,663
Borrowings		129,305		128,360		307,806		307,408
Subordinated notes, excluding unamortized debt issuance costs		50,000		48,856		50,000		45,504
Interest rate swaps - cash flow and fair value hedges		656		656		—		—
Forward TBA mortgage-backed securities		146		146		—		—
Interest rate swaps - customer swap positions		36		36		61		61

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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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

Note 6 - Leases

12 Months Ended

Dec. 31, 2025

Lessee, Operating Leases [Text Block]

NOTE 6 – LEASES

The Company has operating leases for retail bank and home lending branches, loan production offices, and certain equipment. At December 31, 2025, these leases have remaining terms ranging from three months to nine years and seven months, with some including options to extend for up to five years.

The components of lease cost (included in occupancy expense on the Consolidated Statements of Income) for the years indicated are as follows:

	For the Year Ended December 31,
Lease cost:	2025		2024		2023
Operating lease cost	$	1,869	$	1,896	$	1,837
Short-term lease cost		28		10		19
Total lease cost	$	1,897	$	1,906	$	1,856

The following table provides supplemental information related to operating leases at or for the years indicated:

	At or For the Year Ended December 31,
Cash paid for amounts included in the measurement of lease liabilities:	2025			2024
Operating cash flows from operating leases	$	1,900		$	1,950
Weighted average remaining lease term- operating leases (in years)		5.0			3.5
Weighted average discount rate- operating leases		3.84	%		3.14	%

The Company’s leases typically do not contain a discount rate implicit in the lease contract. As an alternative, the discount rate used in determining the lease liability for each individual lease was the FHLB of Des Moines’ fixed advance rate.

Maturities of operating lease liabilities at December 31, 2025 for future periods are as follows:

2026	$	1,986
2027		1,729
2028		1,110
2029		947
2030		678
Thereafter		1,254
Total lease payments		7,704
Less imputed interest		(1,815	)
Total	$	5,889

Note 15 - Earnings per Share

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Text Block]

NOTE 15 – EARNINGS PER SHARE

The Company computes earnings per share using the two-class method, which is an earnings allocation method for computing earnings per share that treats a participating security as having rights to earnings that would otherwise have been available to common shareholders. Basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Unvested share-based awards containing non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of earnings per share pursuant to the two-class method. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company.

The following table presents a reconciliation of the components used to compute basic and diluted earnings per share at or for the years indicated:

	At or For the Year Ended December 31,
Numerator:	2025			2024			2023
Net income	$	33,346		$	35,024		$	36,053
Dividends and undistributed earnings allocated to participating securities		(566	)		(572	)		(578	)
Net income available to common shareholders	$	32,780		$	34,452		$	35,475
Denominator (shown as actual):
Basic weighted average common shares outstanding		7,528,764			7,697,806			7,656,526
Dilutive shares		114,729			195,440			118,907
Diluted weighted average common shares outstanding		7,643,493			7,893,246			7,775,433
Basic earnings per share	$	4.35		$	4.48		$	4.63
Diluted earnings per share	$	4.29		$	4.36		$	4.56
Potentially dilutive weighted average unvested restricted shares and stock options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive.		2,521			11,640			56,520

Note 11 - Commitments and Contingencies - Schedule of Commitments (Details) - Commitments to Extend Credit [Member] - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Aggregate portfolio principal balance	$ 605,385	$ 558,471
Commercial Real Estate Portfolio Segment [Member]
Aggregate portfolio principal balance	207,056	142,014
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate [Member]
Aggregate portfolio principal balance	2,204	1,132
Commercial Real Estate Portfolio Segment [Member] \| Commercial and Speculative Construction and Development [Member]
Aggregate portfolio principal balance	198,176	135,006
Commercial Real Estate Portfolio Segment [Member] \| Multifamily [Member]
Aggregate portfolio principal balance	6,676	5,876
Residential Portfolio Segment [Member]
Aggregate portfolio principal balance	166,261	159,621
Residential Portfolio Segment [Member] \| One-to-four Family Loan [Member]
Aggregate portfolio principal balance	28,977	23,138
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Aggregate portfolio principal balance	100,071	97,358
Residential Portfolio Segment [Member] \| Residential Custom Construction [Member]
Aggregate portfolio principal balance	37,213	39,125
Consumer Portfolio Segment [Member]
Aggregate portfolio principal balance	29,646	28,566
Commercial Business Portfolio Segment [Member]
Aggregate portfolio principal balance	202,422	228,270
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Aggregate portfolio principal balance	160,277	174,292
Commercial Business Portfolio Segment [Member] \| Warehouse Lending Loan [Member]
Aggregate portfolio principal balance	$ 42,145	$ 53,978

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Net income	$ 33,346	$ 35,024	$ 36,053
Securities available-for-sale:
Unrealized gain (loss) during period	7,667	(1,171)	6,779
Income tax (provision) benefit related to unrealized gain (loss)	(1,648)	252	(1,458)
Reclassification adjustment for realized loss, net included in net income	0	7,836	0
Income tax benefit related to reclassification for realized loss, net	0	(1,685)	0
Derivative financial instruments:
Unrealized derivative (loss) gain during period	(2,875)	7,738	1,651
Income tax benefit (provision) related to unrealized derivative (loss) gain	618	(1,664)	(355)
Reclassification adjustment for realized gain, net included in net income	(3,122)	(6,548)	(5,465)
Income tax provision related to reclassification, net	671	1,408	1,174
Other comprehensive income, net of tax	1,311	6,166	2,326
COMPREHENSIVE INCOME	$ 34,657	$ 41,190	$ 38,379

Note 6 - Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating lease cost	$ 1,869	$ 1,896	$ 1,837
Short-term lease cost	28	10	19
Total lease cost	$ 1,897	$ 1,906	$ 1,856

Note 8 - Employee Benefits (Details Textual) - USD ($)	12 Months Ended
Note 8 - Employee Benefits (Details Textual) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage	100.00%
Defined Contribution Plan, Cost	$ 1,900,000	$ 1,900,000	$ 1,700,000
Employee Stock Purchase Plan [Member]
Employee Stock Purchase Plan, Employer Matching Contribution, Percent of Match	25.00%
Employee Stock Purchase Plan Expense	$ 248,000	$ 221,000	$ 207,000
Employee Stock Purchase Plan, Shares Available for Issuance (in shares)	890,672
The 401K Plan One [Member]
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	100.00%
The 401K Plan One [Member] \| Minimum [Member]
Defined Contribution Plan, Contribution By Employee, Percent	1.00%
The 401K Plan One [Member] \| Maximum [Member]
Defined Contribution Plan, Contribution By Employee, Percent	3.00%
The 401K Plan Two [Member]
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	50.00%
The 401K Plan Two [Member] \| Minimum [Member]
Defined Contribution Plan, Contribution By Employee, Percent	4.00%
The 401K Plan Two [Member] \| Maximum [Member]
Defined Contribution Plan, Contribution By Employee, Percent	5.00%

Note 21 - Parent Company Only Financial Information

12 Months Ended

Dec. 31, 2025

Condensed Financial Information of Parent Company Only Disclosure [Text Block]

NOTE 21 – PARENT COMPANY ONLY FINANCIAL INFORMATION

The Condensed Balance Sheets, Statements of Income, and Statements of Cash Flows for the Company (Parent Only) are presented below:

Condensed Balance Sheets	December 31,
Assets	2025		2024
Cash and due from banks	$	8,133	$	9,160
Investment in subsidiary		349,514		336,579
Other assets		716		487
Total assets	$	358,363	$	346,226
Liabilities and stockholders' equity
Subordinated notes, net		49,661		49,594
Other liabilities		1,008		865
Total liabilities		50,669		50,459
Stockholders' equity		307,694		295,767
Total liabilities and stockholders' equity	$	358,363	$	346,226

Condensed Statements of Income	Year Ended December 31,
	2025			2024			2023
Dividends received from subsidiary	$	24,010		$	11,832		$	8,919
Interest expense on subordinated note		(1,942	)		(1,942	)		(1,942	)
Other expenses		(936	)		(452	)		(278	)
Income before income tax benefit and equity in undistributed net income of subsidiary		21,132			9,438			6,699
Income tax benefit		590			488			458
Equity in undistributed earnings of subsidiary		11,624			25,098			28,896
Net income	$	33,346		$	35,024		$	36,053

Condensed Statements of Cash Flows	Year Ended December 31,
	2025			2024			2023
Cash flows from operating activities:
Net income	$	33,346		$	35,024		$	36,053
Equity in undistributed net income of subsidiary		(11,624	)		(25,098	)		(28,896	)
Amortization		67			67			66
Share-based compensation expense related to stock options and restricted stock		2,254			1,806			2,010
Changes in operating assets and liabilities
Other assets		(229	)		(29	)		246
Other liabilities		143			13			18
Net cash from operating activities		23,957			11,783			9,497
Cash flows used by financing activities:
Disbursements from stock options exercised		(57	)		(1,633	)		(273	)
Common stock repurchased for employee/director taxes paid on restricted stock awards		(464	)		(386	)		(355	)
Issuance of common stock - employee stock purchase plan		1,222			1,075			1,017
Common stock repurchased		(15,423	)		(2,508	)		(223	)
Dividends paid on common stock		(10,262	)		(8,265	)		(7,764	)
Net cash used by financing activities		(24,984	)		(11,717	)		(7,598	)
Net (decrease) increase in cash and cash equivalents		(1,027	)		66			1,899
Cash and cash equivalents, beginning of year		9,160			9,094			7,195
Cash and cash equivalents, end of year	$	8,133		$	9,160		$	9,094

Note 4 - Mortgage Servicing Rights (Details Textual) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Fair Value Disclosure, off-Balance-Sheet Risks, Face Amount, Asset	$ 1,673,501	$ 1,632,141
Escrow Deposit	10,900	10,500
Servicing Asset at Fair Value, Amount	$ 21,800	21,043
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Discount Rate, Percent	10.00%
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Prepayment Speed, Percent	20.00%
Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset	$ 4,400	$ 4,700	$ 7,200

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

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Note 2 - Investments - Schedule of Debt Securities, Held-to-Maturity, Allowance for Credit Loss Roll Forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Beginning ACL balance	$ 45	$ 45	$ 31
Provision for credit losses	232	0	14
Total ending ACL balance	$ 277	$ 45	$ 45

Note 16 - Derivatives (Details Textual) - USD ($)	12 Months Ended
Note 16 - Derivatives (Details Textual) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Unrealized Gain (Loss) on Derivatives	$ (5,992,000)	$ 1,188,000	$ (3,814,000)
Asset Pledged as Collateral [Member] \| Interest Rate Swap Agreements [Member]
Securities Received as Collateral	680,000
Designated as Hedging Instrument [Member]
Investment Owned, Cost	179,400,000	189,000,000
Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)	2,100,000	4,300,000
Derivative, Amount of Hedged Item	60,000,000	60,000,000
Not Designated as Hedging Instrument [Member]
Unrealized Gain (Loss) on Derivatives	89,000	$ (29,000)	$ 75,000
Interest Rate Swap [Member]
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 218,000

Note 3 - Loans Receivable and Allowance for Credit Losses on Loans - Schedule of Amortized Cost of Nonaccrual Loans (Details) - USD ($)
$ in Thousands

Dec. 31, 2025

Dec. 31, 2024

$ 4,632

$ 5,682

14,113

7,919

Commercial Real Estate Portfolio Segment [Member]

^[1]

18,745

13,601

2,049

2,771

9,236

4,979

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

^[1]

11,285

7,750

2,049

2,771

Commercial Real Estate Portfolio Segment [Member] | Commercial and Speculative Construction and Development [Member]

^[1]

2,049

2,771

9,236

4,979

Residential Portfolio Segment [Member]

^[1]

9,236

4,979

2,168

425

Residential Portfolio Segment [Member] | One-to-four Family Loan [Member]

^[1]

2,168

425

1,778

164

Residential Portfolio Segment [Member] | Home Equity Loan [Member]

^[1]

1,778

164

390

261

Consumer Portfolio Segment [Member]

^[1]

390

261

4,712

1,980

Consumer Portfolio Segment [Member] | Indirect Home Improvement Loan [Member]

^[1]

4,712

1,980

4,256

1,677

Consumer Portfolio Segment [Member] | Marine Loans [Member]

^[1]

4,256

1,677

454

289

Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]

^[1]

454

289

Commercial Business Portfolio Segment [Member]

^[1]

Commercial Business Portfolio Segment [Member] | Commercial And Industrial [Member]

^[1]

580

3,446

415

2,486

165

960

^[1]

$ 580

$ 3,446

[1]	Includes loans less than 90 days past due as applicable.

Note 16 - Derivatives - Schedule of Offsetting of Derivative Liabilities (Details) - Interest Rate Swap [Member] $ in Thousands	Dec. 31, 2025 USD ($)
Derivative Liability, Before Offset	$ 679
Derivative liability, offset	23
Derivative liabilities	656
Financial Instrument	0
Derivative liability, cash collateral	680
Derivative liability, net	$ 0

Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities.

Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.

Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

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Cumulative Amount of Fair Value Hedging Adjustment

Note 9 - Debt - Summary of Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Federal Home Loan Bank - (interest rates ranging from 3.74% to 4.92% and 4.45% to 4.92% at December 31, 2025 and 2024, respectively)	$ 129,305	$ 299,806
Borrowings	129,305	307,806
Total	129,305	307,806
Federal Reserve Bank, Fed Funds [Member]
Borrowings	$ 0	$ 8,000

Note 20 - Goodwill and Other Intangible Assets - Schedule of Amortization (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Total	$ 10,518	$ 13,710
Core Deposits [Member]
2026	2,845
2027	2,500
2028	2,110
2029	1,283
2030	937
Thereafter	843
Total	$ 10,518

Note 14 - Fair Value Measurements (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Loans Receivable, Fair Value Disclosure	$ 13,183,000	$ 12,728,000
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	2,655,109,000	2,533,821,000
Residential Mortgage [Member] \| Fair Value, Inputs, Level 2 [Member]
Loans Receivable, Fair Value Disclosure	13,200,000	12,700,000
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	13,800,000	13,800,000
Increase (Decrease) in Finance Receivables	$ 534,000	$ 52,000	$ 447,000

Note 13 - Regulatory Capital (Details Textual)	Dec. 31, 2025
Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum	0.025

Note 16 - Derivatives - Schedule of Fair Value Hedges Cumulative-basis Adjustment (Details) - Designated as Hedging Instrument [Member] - Fair Value Hedging [Member] - USD ($)
$ in Thousands

Dec. 31, 2025

Dec. 31, 2024

$ 2,131

$ 4,299

Securities Investment [Member]

Cumulative Amount of Fair Value Hedging Adjustment

^[1]

2,131

4,299

Reported Value Measurement [Member]

Hedged Assets

57,869

55,701

Reported Value Measurement [Member] | Securities Investment [Member]

Hedged Assets

^[1]

$ 57,869

$ 55,701

[1]

These amounts include the amortized cost basis of closed portfolios used in designated hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At December 31, 2025, the amortized cost basis of the closed portfolios used in these hedging relationships was $179.4 million; the cumulative basis adjustments associated with these hedging relationships was a loss of $2.1 million; and the amount of the designated hedged items was $60.0 million. At December 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $189.0 million; the cumulative basis adjustment associated with these hedging relationships was a loss of $4.3 million; and the amount of the designated hedged items was $60.0 million.

Note 9 - Debt

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Text Block]

NOTE 9 – DEBT

Borrowings

The Bank is a member of the FHLB of Des Moines, which entitles it to certain benefits including a variety of borrowing options consisting of a secured credit line that allows both fixed and variable rate advances. The FHLB borrowings at December 31, 2025 and 2024, consisted of a warehouse securities credit line (“securities line”), which allows advances with interest rates fixed at the time of borrowing and a warehouse federal funds (“Fed Funds”) advance, which allows daily advances at variable interest rates. Credit capacity is primarily determined by the value of assets collateralized at the FHLB, funds on deposit at the FHLB, and stock owned by the Bank.

Credit is limited to 45% of the Company’s total assets and available pledged assets. The Bank entered into an Advances, Pledges and Security Agreement with the FHLB for which specific loans are pledged to secure these credit lines. At December 31, 2025, loans of approximately $1.08 billion were pledged to the FHLB. At December 31, 2025, the Bank’s total borrowing capacity was $716.2 million with the FHLB of Des Moines, with unused borrowing capacity of $583.5 million. In addition, all FHLB stock owned by the Company is collateral for credit lines.

The Bank maintains a short-term borrowing line with the FRB with total credit based on eligible collateral. The Bank can borrow under the Term Auction Facility and Term Deposit Facility at rates published by the San Francisco FRB. As of December 31, 2025 and 2024, the Bank had approximately $580.9 million and $606.5 million, respectively, in pledged consumer loans with a borrowing capacity of $276.9 million and $270.4 million for the Term Auction Facility and Term Deposit Facility, respectively. The Bank had no outstanding borrowings under these lines at December 31, 2025, and $8.0 million outstanding at December 31, 2024. The Bank also had $101.0 million unsecured Fed Funds lines of credit with other financial institutions of which none was outstanding at December 31, 2025 and 2024.

Borrowings on these lines at the dates indicated were as follows:

	December 31,
	2025		2024
Federal Home Loan Bank - (interest rates ranging from 3.74% to 4.92% and 4.45% to 4.92% at December 31, 2025 and 2024, respectively)	$	129,305	$	299,806
FRB - Fed funds - (interest rate of 4.33% at December 31, 2024)		—		8,000
Total	$	129,305	$	307,806

Scheduled maturities of borrowings were as follows:

Years Ending December 31,	Balances		Interest Rates
2026	$	76,805		4.49	%
2027		47,000		3.79	%
2028		5,500		3.90	%
Total	$	129,305		4.21	%

Subordinated Notes

On February 10, 2021, FS Bancorp completed the private placement of $50.0 million of its 3.75% fixed-to-floating rate subordinated notes due 2031 (the “Notes”) at an offering price equal to 100% of the aggregate principal amount of the Notes, resulting in net proceeds, after placement agent fees and offering expenses, of approximately $49.3 million. The interest rate on the Notes remains fixed equal to 3.75% for the first five years. After five years the interest rate changes to a floating interest rate tied to a Three-Month Term Secured Overnight Financing Rate (“SOFR”), plus a spread of 337 basis points. The Notes will mature on February 15, 2031. On or after February 15, 2026, the Company may redeem the Notes, in whole or in part.

The Notes are unsecured obligations and are subordinated in right of payment to all existing and future indebtedness, deposits and other liabilities of the Company's current and future subsidiaries, including the Bank’s deposits as well as the Company's subsidiaries' liabilities to general creditors and liabilities arising during the ordinary course of business. The Notes may be included in Tier 2 capital for the Company under current regulatory guidelines and interpretations.

The maximum balance at any month end and the average balances and weighted average interest rates on debt during the years indicated were as follows:

	For the Year Ending December 31,
Maximum balance:	2025			2024			2023
FHLB advances and Fed Funds		$299,805			$299,805			$74,895
FRB Fed Funds		27,000			41,000			—
Fed Funds lines of credit with other financial institutions		3,612			3,963			—
Subordinated notes		50,000			50,000			50,000
FRB BTFP advance		—			89,850			90,000
Average balance:
FHLB advances and Fed Funds		167,485			122,015			33,945
FRB Fed Funds		2,292			1,705			14,704
Fed Funds lines of credit with other financial institutions		11			11			11
Subordinated notes		50,000			50,000			50,000
FRB BTFP advance		—			30,195			61,669
Weighted average interest rates
FHLB advances and Fed Funds		4.44	%		5.03	%		4.40	%
FRB Fed Funds		4.22	%		5.56	%		5.42	%
Fed Funds lines of credit with other financial institutions		4.78	%		5.88	%		5.62	%
Subordinated notes		3.88	%		3.88	%		3.88	%
FRB BTFP advance		—	%		4.70	%		4.71	%

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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