Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
Operating Activities
Net income	$ 4,570,308	$ 4,429,495
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses	1,475,785	453,606
Depreciation and amortization	440,839	426,406
Deferred income tax	(237,680)	55,666
Stock based compensation	726,918	730,989
Investment securities amortization, net	364,455	504,769
Net loss on sale of investment securities - available for sale	156,859	62,029
Net gains on loan and lease sales	(196,443)	(209,638)
Gain on sale of real estate owned	0	4,124
Gain on sale of premises and equipment	(4,500)	(6,000)
Accretion of loan origination fees	(446,258)	(357,780)
Amortization of mortgage-servicing rights	95,477	89,770
ESOP shares expense	359,612	309,727
Increase in cash surrender value of life insurance	(47,798)	(45,422)
Loans originated for sale	(10,018,214)	(10,973,243)
Proceeds on loans sold	9,765,589	10,549,293
Net change in
Interest receivable	(166,155)	(268,840)
Other assets	1,277,317	1,428,847
Other liabilities	(102,499)	(1,550,807)
Interest payable	(988,458)	(553,511)
Net cash provided by operating activities	7,025,154	5,079,480
Investing Activities
Purchases of securities available for sale	(4,330,256)	(2,659,324)
Proceeds from maturities and paydowns of securities available for sale	8,875,127	8,418,748
Proceeds from sales of securities available for sale	6,765,143	3,789,203
Proceeds from maturities and paydowns of securities held to maturity	565,159	290,305
Net change in loans	(8,701,674)	(49,624,675)
Proceeds from sales of real estate owned	0	81,909
Purchases of premises and equipment	(703,448)	(229,675)
Proceeds from sale of premises and equipment	0	6,000
Purchase of FHLB stock	0	(1,260,000)
Net cash provided by (used in) investing activities	2,470,051	(41,187,509)
Net change in
Demand and savings deposits	10,048,117	8,105,888
Certificates of deposit	(7,598,958)	50,838,793
Advances by borrowers for taxes and insurance	76,318	25,966
Proceeds from FHLB advances	179,000,000	138,000,000
Repayment of FHLB advances	(177,000,000)	(157,000,000)
Repurchase of common stock	(5,633,659)	(2,209,287)
Proceeds from stock option exercises	0	(2)
Dividends paid	(2,932,730)	(2,874,405)
Net cash (used in) provided by financing activities	(4,040,912)	34,886,953
Net Change in Cash and Cash Equivalents	5,454,293	(1,221,076)
Cash and Cash Equivalents, Beginning of Period	21,757,190	20,240,125
Cash and Cash Equivalents, End of Period	27,211,483	19,019,049
Additional Cash Flows and Supplementary Information
Interest paid	22,185,109	20,740,339
Transfers from loans to other real estate owned	$ 0	$ 0