Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,167	$ 770
Adjustments to reconcile net income to net cash from operating activities:
Amortization of net premiums on investments	22	22
Release of credit losses	(203)	(33)
Depreciation and amortization	144	178
Share based compensation	81	95
Fair value adjustment on mortgage servicing rights	99	65
Right of use assets amortization	245	237
Change in lease liabilities	(251)	(245)
Change in cash surrender value of BOLI	(195)	(177)
Net change in advances from borrowers for taxes and insurance	1,190	1,099
Deferred income tax	(273)	0
Net gain on sale of loans	(49)	(90)
Proceeds from sale of loans held-for-sale	2,023	4,234
Originations of loans held-for-sale	(3,772)	(3,937)
Change in operating assets and liabilities:
Accrued interest receivable	(69)	(165)
Other assets	351	1,549
Accrued interest payable	(179)	(98)
Other liabilities	1,521	15
Net cash provided by operating activities	1,852	3,519
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal payments, maturities and sales of available-for-sale securities	69	83
Proceeds from principal payments of held-to-maturity securities	9	9
Net decrease (increase) in loans	13,883	(3,570)
Purchases of premises and equipment, net	(38)	(1,623)
Net cash provided by (used in) investing activities	13,923	(5,101)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	72,548	90,344
FHLB stock purchased	(4)	(10)
Common stock repurchases	0	(5)
Dividends paid on common stock	(487)	(486)
Proceeds from common stock option exercises	21	26
Net cash provided by financing activities	72,078	89,869
Net change in cash and cash equivalents	87,853	88,287
Cash and cash equivalents, beginning of period	43,641	49,690
Cash and cash equivalents, end of period	131,494	137,977
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	0	0
Interest paid on deposits and borrowings	5,814	6,398
Loans transferred from loans held-for-portfolio to OREO and repossessed assets	41	115
ROU assets obtained in exchange for new operating lease liabilities	$ 66	$ 0