Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Operating Activities
Net income	$ 8,167,314	$ 6,901,373
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses	1,744,459	354,758
Depreciation and amortization	665,165	638,183
Deferred income tax	(355,561)	(25,729)
Stock based compensation	756,213	1,102,526
Investment securities amortization, net	566,266	726,168
Net loss on sale of investment securities - available for sale	156,859	50,698
Net gains on loan and lease sales	(290,723)	(420,740)
(Gain) loss on sale of real estate owned	(6,067)	7,050
Gain on sale of premises and equipment	(4,500)	(6,000)
Accretion of loan origination fees	(619,566)	(581,788)
Amortization of mortgage-servicing rights	153,070	141,242
ESOP shares expense	552,460	476,482
Increase in cash surrender value of life insurance	(72,576)	(68,601)
Loans originated for sale	(13,745,585)	(20,561,099)
Proceeds on loans sold	14,093,665	19,987,599
Net change in
Interest receivable	197,985	(30,261)
Other assets	1,346,317	1,976,081
Other liabilities	1,914,988	(1,743,912)
Interest payable	(1,917,530)	(962,951)
Net cash provided by operating activities	13,302,653	7,961,079
Investing Activities
Net change in interest-bearing time deposits	300,000	(300,000)
Purchases of securities available for sale	(4,792,287)	(3,502,331)
Proceeds from maturities and paydowns of securities available for sale	14,793,251	16,414,642
Proceeds from sales of securities available for sale	6,765,143	6,907,932
Proceeds from maturities and paydowns of securities held to maturity	725,239	895,228
Net change in loans	(20,982,158)	(49,250,751)
Proceeds from sales of real estate owned	43,502	125,109
Purchases of premises and equipment	(1,165,236)	(344,322)
Proceeds from sale of premises and equipment	0	6,000
Purchase of FHLB stock	0	(1,260,000)
Net cash used in investing activities	(4,312,546)	(30,308,493)
Net change in
Demand and savings deposits	17,460,240	(4,363,372)
Certificates of deposit	6,858,250	52,317,925
Advances by borrowers for taxes and insurance	211,140	111,445
Proceeds from FHLB advances	229,000,000	230,500,000
Repayment of FHLB advances	(240,000,000)	(249,500,000)
Repurchase of common stock	(5,633,659)	(3,095,162)
Proceeds from stock option exercises	0	(13)
Dividends paid	(4,378,315)	(4,293,077)
Net cash provided by financing activities	3,517,656	21,677,746
Net Change in Cash and Cash Equivalents	12,507,763	(669,668)
Cash and Cash Equivalents, Beginning of Period	21,757,190	20,240,125
Cash and Cash Equivalents, End of Period	34,264,953	19,570,457
Additional Cash Flows and Supplementary Information
Interest paid	33,632,587	31,978,012
Transfers from loans to other real estate owned	$ 0	$ 0