Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 43,641	$ 49,690
Available-for-sale (“AFS”) securities, at fair value (amortized cost of $9,112 and $9,539 at December 31, 2024 and 2023, respectively)	7,790	8,287
Held-to-maturity (“HTM”) securities, at amortized cost (fair value of $1,712 and $1,787 at December 31, 2024 and 2023, respectively)	2,130	2,166
Loans held-for-sale	487	603
Loans held-for-portfolio	900,171	894,478
Allowance for credit losses (“ACL”) on loans	(8,499)	(8,760)
Total loans held-for-portfolio, net	891,672	885,718
Accrued interest receivable	3,471	3,452
Bank-owned life insurance (“BOLI”), net	22,490	21,860
Other real estate owned (“OREO”) and repossessed assets, net	0	575
Mortgage servicing rights (“MSRs”), at fair value	4,769	4,632
Federal Home Loan Bank ("FHLB") stock, at cost	1,730	2,396
Premises and equipment, net	4,697	5,240
Operating lease right of use assets, net	3,725	4,496
Other assets	7,031	6,106
Total assets	993,633	995,221
Deposits
Interest-bearing	705,267	699,813
Noninterest-bearing demand	132,532	126,726
Total deposits	837,799	826,539
Borrowings	25,000	40,000
Accrued interest payable	765	817
Operating lease liabilities	4,013	4,821
Other liabilities	9,371	9,563
Advance payments from borrowers for taxes and insurance	1,260	1,110
Subordinated notes, net	11,759	11,717
Total liabilities	889,967	894,567
COMMITMENTS AND CONTINGENCIES (Notes 18)
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, 2,564,907 and 2,549,427 issued and outstanding at December 31, 2024 and 2023, respectively	25	25
Additional paid-in capital	28,413	27,990
Retained earnings	76,272	73,627
Accumulated other comprehensive loss, net of tax	(1,044)	(988)
Total stockholders' equity	103,666	100,654
Total liabilities and stockholders' equity	$ 993,633	$ 995,221