Condensed Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and cash equivalents	$ 61,996	$ 55,770
Available-for-sale securities, at fair value	11,236	9,306
Loans held-for-sale	5,923	1,063
Loans held-for-portfolio	625,375	619,887
Allowance for loan losses	(5,893)	(5,640)
Total loans held-for-portfolio, net	619,482	614,247
Accrued interest receivable	2,205	2,206
Bank-owned life insurance (“BOLI”), net	14,147	14,183
Other real estate owned (“OREO”) and repossessed assets, net	575	575
Mortgage servicing rights, at fair value	2,996	3,239
Federal Home Loan Bank (“FHLB”) stock, at cost	1,164	1,160
Premises and equipment, net	6,877	6,767
Right of use assets	7,384	7,641
Other assets	3,651	3,696
Total assets	737,636	719,853
Deposits
Interest-bearing	524,439	519,434
Noninterest-bearing demand	110,119	97,284
Total deposits	634,558	616,718
Borrowings	7,500	7,500
Accrued interest payable	224	226
Lease liabilities	7,766	8,010
Other liabilities	7,490	8,368
Advance payments from borrowers for taxes and insurance	1,851	1,305
Total liabilities	659,389	642,127
COMMITMENTS AND CONTINGENCIES (NOTE 7)
STOCKHOLDERS’ EQUITY
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value, 40,000,000 shares authorized, 2,591,494 and 2,567,389 shares issued and outstanding as of March 31, 2020 and December 31, 2019, respectively	25	25
Additional paid-in capital	26,776	26,343
Unearned shares - Employee Stock Ownership Plan (“ESOP”)	(198)	(227)
Retained earnings	51,488	51,410
Accumulated other comprehensive income, net of tax	156	175
Total stockholders’ equity	78,247	77,726
Total liabilities and stockholders’ equity	$ 737,636	$ 719,853