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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities:    
Net loss $ (4,191) $ (6,613)
Adjustments to reconcile net loss to net cash from operating activities:    
Depreciation and amortization 1,248 1,412
Amortization of core deposit intangible 20 3
Amortization and accretion of premiums and discounts on investments, net (25) 611
Accretion of deferred loan fees and purchased premiums, net (1,784) (1,535)
Amortization of debt issuance costs 72 78
Change in fair value of sold loan servicing rights 280 550
Additions to servicing rights on sold loans, net (13) (38)
Provision for credit losses on loans 7,320 16,716
Recapture of provision for credit losses on unfunded commitments (5) (218)
Deferred Income Tax Expense (Benefit) (2,014) (1,409)
Allocation of ESOP shares 485 622
Share-based compensation expense 733 957
Gain on sale of loans, net (112) (312)
Loss on sale of securities available for sale, net 0 2,117
Gain on extinguishment of subordinated debt (848) 0
Increase in cash surrender value of life insurance, net (1,889) (1,179)
Income from death benefit on bank-owned life insurance, net (1,059) (1,536)
Origination of loans held for sale (25,166) (22,197)
Proceeds from loans held for sale 31,168 22,790
Legal settlement paid (5,740) 0
Insurance reimbursement 1,681 0
Change in assets and liabilities:    
Decrease (increase) in accrued interest receivable 1,661 (265)
Decrease (increase) in ROU asset 1,405 (10,954)
Decrease in prepaid expenses and other assets 476 2,380
Decrease in accrued interest payable (2,072) (101)
(Decrease) increase in lease liabilities (1,096) 11,107
(Decrease) increase in accrued expenses and other liabilities (3,293) 3,890
Net cash (used) provided by operating activities (2,758) 16,876
Cash flows from investing activities:    
Purchase of securities available for sale (5,534) (99,963)
Proceeds from maturities, calls, and principal repayments of securities available for sale 85,976 33,874
Proceeds from sales of securities available for sale 0 21,048
Redemption (purchase) of FHLB stock 1,330 (771)
Early surrender of bank-owned life insurance policy 9,375 14,616
Purchase of bank-owned life insurance (9,109) (14,616)
Proceeds from bank-owned life insurance death benefit 1,968 1,602
Net decrease (increase) in loans receivable 49,762 (47,849)
Proceeds from sale of premises and equipment 417 6,508
Capital contributions to partnership investments (990) (6,502)
Redemption of partnership investment 0 5,931
Capital disbursements from partnership agreements 794 1,067
Capital contributions to low-income housing tax credit partnerships (1,051) (2,011)
Net cash provided (used) by investing activities 132,938 (87,066)
Cash flows from financing activities:    
Net (decrease) increase in deposits (88,925) 11,134
Proceeds from long-term FHLB advances 30,000 105,000
Repayment of long-term FHLB advances (30,000) (25,000)
Net decrease in short-term FHLB advances (30,000) (65,000)
Redemption of subordinated debt, net (4,095) 0
Net increase in line of credit 7,000 0
Net (decrease) increase in advances from borrowers for taxes and insurance (60) 224
Payment of dividends (1,318) (2,645)
Restricted stock awards canceled (113) (187)
Repurchase of common stock 0 (4,057)
Net cash (used) provided by financing activities (117,511) 19,469
Net increase (decrease) in cash and cash equivalents 12,669 (50,721)
Cash and cash equivalents at beginning of year 72,448 123,169
Cash and cash equivalents at end of year 85,117 72,448
Supplemental disclosures of cash flow information:    
Cash paid for interest on deposits and borrowings 51,832 56,121
Cash paid for income taxes 12 83
Supplemental disclosures of noncash investing activities:    
Change in unrealized loss on securities available for sale 10,382 2,406
Change in unrealized (loss) gain on fair value hedge (760) 834
Change in unrealized gain (loss) on DB Plan 126 (252)
Amortization of unrecognized DB plan prior service cost 150 150
Loan principal transferred from held-for-investment to held-for-sale 6,480 0
Loan principal transferred to real estate owned and repossessed assets, net 1,380 0
Lease liabilities arising from obtaining right-of-use assets 1,264 12,158
Series A equity investment acquired upon conversion of commercial business loan 1,260 0
Write-down of equity investment $ 0 $ (1,762)