Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 18,561	$ 14,178
Federal funds sold	18,309	7,524
Interest bearing depository accounts	614	427
Total cash and cash equivalents	37,484	22,129
Available for sale securities (at fair value)	159,947	191,985
Loans receivable (net of allowance for credit losses of $8,539 and $8,124, respectively)	971,779	1,008,851
Federal Home Loan Bank stock	3,960	6,514
Accrued interest receivable	4,435	4,616
Cash surrender value of life insurance	30,193	30,031
Deferred tax assets (net of valuation allowance of $1,336 and $598, respectively)	8,114	9,936
Premises and equipment, net	14,105	17,567
Other real estate owned		25
Goodwill	2,235	2,235
Intangible assets, net	166	246
Other assets	23,347	19,067
Total assets	1,255,765	1,313,202
Deposits
Non-interest bearing	238,126	249,793
Interest bearing	782,657	780,710
Total deposits	1,020,783	1,030,503
Mortgagors' escrow accounts	9,425	9,274
Advances from the Federal Home Loan Bank	69,773	128,064
Subordinated debt	5,155	5,155
Accrued expenses and other liabilities	28,796	26,521
Total liabilities	1,133,932	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 11,094,828 and 11,072,607 at December 31, 2024 and 2023, respectively)	111	111
Additional paid-in capital	45,946	45,959
Unearned common stock held by the employee stock ownership plan	(3,055)	(3,273)
Retained earnings	91,766	100,386
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities, net of taxes	(10,480)	(26,077)
Defined benefit pension plan, net of taxes	(2,455)	(3,421)
Total accumulated other comprehensive loss	(12,935)	(29,498)
Total stockholders' equity	121,833	113,685
Total liabilities and stockholders' equity	$ 1,255,765	$ 1,313,202