Condensed Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and cash equivalents	$ 102,542	$ 43,641
Available-for-sale (“AFS”) securities, at fair value (amortized cost of $8,949 and $9,112 as of June 30, 2025 and December 31, 2024, respectively)	7,521	7,790
Held-to-maturity (“HTM”) securities, at amortized cost (fair value of $1,687 and $1,712 at June 30, 2025 and December 31, 2024, respectively)	2,113	2,130
Loans held-for-sale	2,025	487
Loans held-for-portfolio	904,286	900,171
Allowance for credit losses (“ACL”) on loans	(8,536)	(8,499)
Total loans held-for-portfolio, net	895,750	891,672
Accrued interest receivable	3,658	3,471
Bank-owned life insurance (“BOLI”), net	22,913	22,490
Other real estate owned (“OREO”) and repossessed assets, net	300	0
Mortgage servicing rights (“MSRs”), at fair value	4,638	4,769
Federal Home Loan Bank ("FHLB") stock, at cost	1,734	1,730
Premises and equipment, net	4,498	4,697
Right of use assets	3,933	3,725
Other assets	6,617	7,031
Total assets	1,058,242	993,633
Deposits
Interest-bearing	775,262	705,267
Noninterest-bearing demand	124,197	132,532
Total deposits	899,459	837,799
Borrowings	25,000	25,000
Accrued interest payable	634	765
Lease liabilities	4,213	4,013
Other liabilities	10,238	9,371
Advance payments from borrowers for taxes and insurance	914	1,260
Subordinated notes, net	11,780	11,759
Total liabilities	952,238	889,967
COMMITMENTS AND CONTINGENCIES (NOTE 7)	0	0
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, 2,566,069 and 2,564,907 shares issued and outstanding as of June 30, 2025 and December 31, 2024, respectively	25	25
Additional paid-in capital	28,590	28,413
Retained earnings	78,517	76,272
Accumulated other comprehensive loss, net of tax	(1,128)	(1,044)
Total stockholders’ equity	106,004	103,666
Total liabilities and stockholders’ equity	$ 1,058,242	$ 993,633