Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash Flows from Operating Activities
Net income	$ 1,121	$ 798
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and accretion of premiums and discounts on investments, net	61	72
Net realized gain on sale of other real estate owned	(4)
Provision for credit losses	83	1,014
Loans originated for sale	(1,957)	(1,510)
Proceeds from sale of loans	2,017	1,079
Net gain on sale of loans	(46)	(10)
Amortization of intangible assets	21	24
Depreciation and amortization	344	358
Net loss (gain) from disposal of premises and equipment	18	(17)
Deferred income tax expense (benefit)	20	(338)
Increase in cash surrender value of insurance	(184)	(160)
Net increase in accrued interest receivable	5	1,256
Expense of earned ESOP shares	46	49
Share-based compensation expense		150
Net increase in other assets	(5,492)	(1,227)
Net increase in accrued expenses and other liabilities	447	1,568
Net cash (used in) provided by operating activities	(3,500)	3,106
Cash Flows from Investing Activities
Proceeds from maturities and principal repayments of securities	8,545	4,226
Net purchases of FHLB Stock	900	(2,192)
Net decrease (increase) in loans	15,408	(11,601)
Purchases of bank premises and equipment	(244)	(63)
Proceeds from disposal of premises and equipment	2,857	27
Net increase of other real estate owned	29
Net cash provided by (used in) investing activities	27,495	(9,603)
Cash Flows from Financing Activities
Net decrease in demand deposits, NOW, money market and savings accounts	(8,403)	(104,127)
Net increase in time deposits	14,924	67,718
Net decrease in mortgagors' escrow accounts	(1,973)	(1,062)
Net (decrease) increase in short-term debt	(20,000)	28,727
Net increase in long-term debt		20,000
Net cash (used in) provided by financing activities	(15,452)	11,256
Net increase in cash and cash equivalents	8,543	4,759
Cash and Cash Equivalents
Beginning balance	22,129	31,384
Ending balance	30,672	36,143
Supplemental Disclosures of Cash Flow Information
Interest	6,547	4,465
Income taxes	$ 108	$ 106