Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 13,519	$ 15,430
Interest-bearing deposits in banks	35,220	10,893
Investment securities available for sale, at fair value	315,580	262,967
Investment securities held to maturity, at amortized cost	0	43,503
Loans held for sale	503	0
Loans receivable (net of allowance for loan losses of $9,628 and $9,533)	878,437	863,852
Federal Home Loan Bank (FHLB) stock, at cost	6,034	6,927
Accrued interest receivable	3,931	4,048
Premises and equipment, net	14,342	15,255
Mortgage servicing rights, net	871	1,044
Bank-owned life insurance, net	30,027	29,319
Prepaid expenses and other assets	8,872	5,520
Total assets	1,307,336	1,258,758
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits	1,001,645	940,260
Borrowings	112,930	136,552
Accrued interest payable	373	521
Accrued expenses and other liabilities	14,392	8,071
Advances from borrowers for taxes and insurance	1,145	1,090
Total liabilities	1,130,485	1,086,494
Commitments and Contingencies (Note 14)
Shareholders' Equity
Preferred stock, $0.01 par value, authorized 5,000,000 shares, no shares issued or outstanding	0	0
Common stock, $0.01 par value, authorized 75,000,000 shares; issued and outstanding 10,731,639 at December 31, 2019; issued and outstanding 11,170,018 at December 31, 2018	107	112
Additional paid-in capital	102,017	105,825
Retained earnings	86,156	81,607
Accumulated other comprehensive (loss) income, net of tax	(1,539)	(4,731)
Unearned employee stock ownership plan (ESOP) shares	(9,890)	(10,549)
Total shareholders' equity	176,851	172,264
Total liabilities and shareholders' equity	$ 1,307,336	$ 1,258,758