Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 2,546	$ 3,501
Interest-bearing deposits	68,526	111,948
Total cash and cash equivalents	71,072	115,449
Securities available for sale, at fair value	48,836	51,666
Loans held for sale, at fair value	22,698	44,766
Loans, net of allowance for loan losses of $6,357 in 2022 and $6,289 in 2021	579,591	544,621
Federal Home Loan Bank of Boston stock, at cost	2,734	2,940
Accrued interest receivable	1,434	1,500
Mortgage servicing rights, net	15,378	15,616
Premises and equipment, net	7,718	7,684
Bank-owned life insurance	8,824	8,784
Other assets	11,999	10,252
Total assets	770,284	803,278
Deposits:
Non-interest bearing	142,793	145,666
Interest bearing	481,886	492,481
Total deposits	624,679	638,147
Federal Home Loan Bank of Boston advances	45,000	50,000
Mortgagors' escrow accounts	2,773	2,128
Post-employment benefit obligations	2,064	2,222
Other liabilities	7,290	9,878
Total liabilities	681,806	702,375
Commitments and contingencies (Note 13)
Stockholders' Equity:
Preferred stock, no par value; authorized: 1,000,000 shares; issued: none
Common stock, $.01 par value; authorized: 15,000,000 shares; issued and outstanding: 5,180,670 shares at March 31, 2022 and 5,113,825 shares at December 31, 2021	52	50
Additional paid-in capital	44,904	44,078
Retained earnings	49,042	60,524
ESOP-Unearned compensation	(3,521)	(3,568)
Accumulated other comprehensive income, net of tax	(1,999)	(181)
Total stockholders' equity	88,478	100,903
Total liabilities and stockholders' equity	$ 770,284	$ 803,278