Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 21,670	$ 14,178
Federal funds sold	10,429	7,524
Interest bearing depository accounts	14,281	427
Total cash and cash equivalents	46,380	22,129
Available for sale securities (at fair value)	169,134	191,985
Loans receivable (net of allowance for credit losses of $8,153 and $8,124, respectively)	964,875	1,008,851
Federal Home Loan Bank stock	3,510	6,514
Accrued interest receivable	4,375	4,616
Cash surrender value of life insurance	30,005	30,031
Deferred tax assets (net of valuation allowance of $1,124 and $598, respectively)	7,839	9,936
Premises and equipment, net	14,062	17,567
Other real estate owned		25
Goodwill	2,235	2,235
Intangible assets, net	186	246
Other assets	23,544	19,067
Total assets	1,266,145	1,313,202
Deposits
Non-interest bearing	256,864	249,793
Interest bearing	789,309	780,710
Total deposits	1,046,173	1,030,503
Mortgagors' escrow accounts	3,552	9,274
Advances from the Federal Home Loan Bank	59,773	128,064
Subordinated debt	5,155	5,155
Accrued expenses and other liabilities	28,825	26,521
Total liabilities	1,143,478	1,199,517
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 11,087,607 and 11,072,607 at September 30, 2024 and December 31, 2023, respectively)	111	111
Additional paid-in capital	45,939	45,959
Unearned common stock held by the employee stock ownership plan	(3,109)	(3,273)
Retained earnings	94,420	100,386
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities, net of taxes	(11,540)	(26,077)
Defined benefit pension plan, net of taxes	(3,154)	(3,421)
Total accumulated other comprehensive loss	(14,694)	(29,498)
Total stockholders' equity	122,667	113,685
Total liabilities and stockholders' equity	$ 1,266,145	$ 1,313,202