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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Cash Flows from Operating Activities    
Net income $ 2,216 $ 2,288
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortization and accretion of premiums and discounts on investments, net (59) (97)
Provision for credit losses 71 353
Loans originated for sale   (385)
Proceeds from sale of loans   423
Net gain on sale of loans   (38)
Amortization of intangible assets 7 20
Depreciation and amortization 337 318
Net gain from disposal of premises and equipment (7)  
Deferred income tax expense 498 437
Increase in cash surrender value of insurance (198) (188)
Net decrease (increase) in accrued interest receivable 174 (197)
Expense of earned ESOP shares 77 55
Share-based compensation expense 10 9
Net decrease in other assets 3,725 1,057
Net (decrease) increase in accrued expenses and other liabilities (3,332) 258
Net cash provided by operating activities 3,519 4,313
Cash Flows from Investing Activities    
Proceeds from maturities and principal repayments of securities 6,588 18,069
Purchases of securities (992) (631)
Net purchases of FHLB Stock 900 715
Net decrease (increase) in loans 16,562 (5,076)
Purchases of bank premises and equipment (637) (116)
Proceeds from disposal of premises and equipment 448  
Net cash provided by investing activities 22,869 12,961
Cash Flows from Financing Activities    
Net increase in demand deposits, NOW, money market and savings accounts 148 21,745
Net increase (decrease) in time deposits 6,004 (8,287)
Net decrease in mortgagors' escrow accounts (1,509) (1,799)
Net decrease in short-term debt   (15,900)
Repayment of borrowings (20,000)  
Stock repurchases (220)  
Proceeds from exercise of stock options 107  
Net cash used in financing activities (15,470) (4,241)
Net increase in cash and cash equivalents 10,918 13,033
Cash and Cash Equivalents    
Beginning balance 101,986 37,484
Ending balance 112,904 50,517
Supplemental Disclosures of Cash Flow Information    
Interest 5,678 5,743
Income taxes $ 117 $ 105