Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss)	$ (1,726,000)	$ 3,272,000
Adjustments to reconcile net income to net cash from operating activities
Depreciation and amortization	419,000	360,000
Stock dividends on other investments	(32,000)	(21,000)
Amortization of premiums and discounts on securities, net	200,000	285,000
Amortization of equity awards	105,000	274,000
Origination of loans held for sale	(924,000)
Gain on sale of loans	(83,000)
Proceeds from sale of loans	1,007,000
Provision for credit losses	3,280,000	780,000
Fixed asset impairment		17,000
Net appreciation on bank-owned life insurance	(183,000)	(180,000)
Deferred income tax expense (benefit)	1,000
Changes in operating assets and liabilities
Accrued interest receivable	16,000	(10,000)
Prepaid and other assets	695,000	(1,100,000)
Accrued interest and other liabilities	1,529,000	(395,000)
Net cash from operating activities	4,304,000	3,282,000
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from calls, sales, or principal payments on available-for-sale securities	4,136,000	6,313,000
Purchases of available-for-sale securities		(8,060,000)
Purchases of held-to-maturity securities		(500,000)
Net (purchase) redemptions of other investments	(1,606,000)	(1,962,000)
Net change in loans held for investment	(17,173,000)	(49,031,000)
Purchases of premises and equipment	(100,000)	(418,000)
Net cash used in investing activities	(14,743,000)	(53,658,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net change in deposits	(19,196,000)	28,859,000
Net change in escrows	50,000	58,000
Proceeds from Federal Home Loan Bank advances	242,398,000	711,500,000
Repayments of Federal Home Loan Bank advances	(229,398,000)	(693,500,000)
Common stock repurchases	(210,000)	(78,000)
Common stock issuance, net	10,866,000
Preferred stock issuance, net	4,176,000
Payment of dividends	(656,000)	(526,000)
Net cash from financing activities	8,030,000	46,313,000
NET CHANGE IN CASH AND CASH EQUIVALENTS	(2,409,000)	(4,063,000)
CASH AND CASH EQUIVALENTS, beginning of period	16,947,000	15,501,000
CASH AND CASH EQUIVALENTS, end of period	14,538,000	11,438,000
SUPPLEMENTAL DISCLOSURES
Interest on deposits and borrowings paid	8,867,000	2,940,000
Income taxes paid (refunds received)	$ 124,000	$ 1,219,000