Condensed Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and cash equivalents	$ 101,156	$ 43,641
Available-for-sale (“AFS”) securities, at fair value (amortized cost of $8,857 and $9,112 as of September 30, 2025 and December 31, 2024, respectively)	7,637	7,790
Held-to-maturity (“HTM”) securities, at amortized cost (fair value of $1,552 and $1,712 at September 30, 2025 and December 31, 2024, respectively)	1,899	2,130
Loans held-for-sale	271	487
Loans held-for-portfolio	909,715	900,171
Allowance for credit losses (“ACL”) on loans	(8,564)	(8,499)
Total loans held-for-portfolio, net	901,151	891,672
Accrued interest receivable	3,896	3,471
Bank-owned life insurance (“BOLI”), net	23,138	22,490
Other real estate owned (“OREO”) and repossessed assets, net	344	0
Mortgage servicing rights (“MSRs”), at fair value	4,305	4,769
Federal Home Loan Bank ("FHLB") stock, at cost	1,735	1,730
Premises and equipment, net	4,421	4,697
Right of use assets	3,679	3,725
Other assets	6,531	7,031
Total assets	1,060,163	993,633
Deposits
Interest-bearing	767,554	705,267
Noninterest-bearing demand	131,389	132,532
Total deposits	898,943	837,799
Borrowings	25,000	25,000
Accrued interest payable	774	765
Lease liabilities	3,943	4,013
Other liabilities	10,146	9,371
Advance payments from borrowers for taxes and insurance	2,116	1,260
Subordinated notes, net	11,791	11,759
Total liabilities	952,713	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 September 30, 2025 and December 31, 2024, respectively	25	25
Additional paid-in capital	28,665	28,413
Retained earnings	79,724	76,272
Accumulated other comprehensive loss, net of tax	(964)	(1,044)
Total stockholders’ equity	107,450	103,666
Total liabilities and stockholders’ equity	$ 1,060,163	$ 993,633