Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 13,767	$ 13,294
Federal funds sold	12,507	14,569
Interest bearing depository accounts	486	3,521
Total cash and cash equivalents	26,760	31,384
Available for sale securities (at fair value)		223,659
Available for sale securities (at fair value)	194,252
Loans receivable (net of allowance for credit losses of $8,497 and $7,943, respectively)		994,368
Loans receivable (net of allowance for credit losses of $8,497 and $7,943, respectively)	1,003,766
Federal Home Loan Bank stock	4,697	3,258
Accrued interest receivable	3,463	4,255
Cash surrender value of life insurance	29,860	29,794
Deferred tax assets (net of valuation allowance of $555 and $450, respectively)	11,392	10,131
Premises and equipment, net	18,021	18,722
Goodwill	2,235	2,235
Intangible assets, net	267	334
Other assets	20,726	17,837
Total assets	1,315,439	1,335,977
Deposits
Non-interest bearing	276,881	283,563
Interest bearing	805,419	846,370
Total deposits	1,082,300	1,129,933
Mortgagors' escrow accounts	4,797	9,732
Advances from the Federal Home Loan Bank	87,683	57,723
Subordinated debt	5,155	5,155
Accrued expenses and other liabilities	28,832	25,302
Total liabilities	1,208,767	1,227,845
Stockholders' Equity
Preferred stock (par value $0.01 per share; 5,000,000 authorized, no shares issued)
Common stock (par value $0.01; authorized 25,000,000; issued and outstanding 11,072,607 and 11,284,565 at September 30, 2023 and December 31, 2022, respectively)	111	113
Additional paid-in capital	45,976	47,075
Unearned common stock held by the employee stock ownership plan	(3,328)	(3,491)
Retained earnings	99,456	96,624
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities, net of taxes	(31,245)	(28,192)
Defined benefit pension plan, net of taxes	(4,298)	(3,997)
Total accumulated other comprehensive loss	(35,543)	(32,189)
Total stockholders' equity	106,672	108,132
Total liabilities and stockholders' equity	$ 1,315,439	$ 1,335,977