Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 14,178	$ 13,294
Federal funds sold	7,524	14,569
Interest bearing depository accounts	427	3,521
Total cash and cash equivalents	22,129	31,384
Available for sale securities (at fair value)		223,659
Available for sale securities (at fair value)	191,985
Loans receivable (net of allowance for credit losses of $8,124 and $7,943, respectively)		994,368
Loans receivable (net of allowance for credit losses of $8,124 and $7,943, respectively)	1,008,851
Federal Home Loan Bank stock	6,514	3,258
Accrued interest receivable	4,616	4,255
Cash surrender value of life insurance	30,031	29,794
Deferred tax assets (net of valuation allowance of $598 and $450, respectively)	9,936	10,131
Premises and equipment, net	17,567	18,722
Other real estate owned	25
Goodwill	2,235	2,235
Intangible assets, net	246	334
Other assets	19,067	17,837
Total assets	1,313,202	1,335,977
Deposits
Non-interest bearing	249,793	283,563
Interest bearing	780,710	846,370
Total deposits	1,030,503	1,129,933
Mortgagors' escrow accounts	9,274	9,732
Advances from the Federal Home Loan Bank	128,064	57,723
Subordinated debt	5,155	5,155
Accrued expenses and other liabilities	26,521	25,302
Total liabilities	1,199,517	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 December 31, 2023 and December 31, 2022, respectively)	111	113
Additional paid-in capital	45,959	47,075
Unearned common stock held by the employee stock ownership plan	(3,273)	(3,491)
Retained earnings	100,386	96,624
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities, net of taxes	(26,077)	(28,191)
Defined benefit pension plan, net of taxes	(3,421)	(3,998)
Total accumulated other comprehensive loss	(29,498)	(32,189)
Total stockholders' equity	113,685	108,132
Total liabilities and stockholders' equity	$ 1,313,202	$ 1,335,977