Condensed Consolidated Statements of Cash Flows - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating Activities
Net Income	$ 1,436,478	$ 458,197
Items not requiring (providing) cash:
Depreciation and amortization	166,090	144,132
Provision for loan losses	65,000	25,000
Amortization of premiums and discounts on securities, net	18,138	9,445
Amortization of deferred prepayment penalty on Federal Home Loan Bank advances	3,086	3,471
Change in deferred income taxes	155,766	44,791
Gain on sale of loans	(5,917,147)	(1,260,415)
Proceeds from the sale of loans held for sale	251,935,816	58,545,090
Origination of loans held for sale	(261,024,458)	(61,998,294)
Earnings on cash surrender value of bank-owned life insurance	(64,265)	(67,375)
Stock-based compensation expense	81,973	77,372
ESOP shares earned	70,384	45,861
Gain on sale of foreclosed assets	0	(90,418)
Changes in:
Interest receivable	71,802	(75,040)
Mortgage servicing rights	(402,158)	(53,318)
Federal Home Loan Bank lender risk account receivable	(53,931)	132,471
Other assets	52,839	(220,551)
Interest payable	(16,105)	42,267
Other liabilities	742,074	270,962
Net cash used in operating activities	(12,678,618)	(3,966,352)
Investing Activities
Net change in interest-bearing deposits	(1,000,000)	0
Proceeds from maturities of available-for-sale securities	1,222,330	251,504
Purchase of available for sale securities		(1,965,811)
Purchase of Federal Home Loan Bank stock	(144,400)	(74,300)
Net change in loans	9,422,055	(13,497,348)
Proceeds from the maturities of interest-bearing time deposits		200,000
Purchase of premises and equipment	(305,569)	(113,521)
Proceeds from sale of foreclosed assets	0	240,643
Net cash provided by (used in) investing activities	9,194,416	(14,958,833)
Financing Activities
Net decrease in deposits	(19,270,344)	(4,117,362)
Proceeds from stock issuance	14,060,646	14
Proceeds from Federal Home Loan Bank advances	14,000,000	106,486,000
Repayment of Federal Home Loan Bank advances	(20,663,152)	(79,324,000)
Proceeds from stock options exercised		12,860
Net decrease in advances from borrowers for taxes and insurance	(506,211)	(215,575)
Net cash provided by (used in) financing activities	(12,379,061)	22,841,937
(Decrease) Increase in Cash and Cash Equivalents	(15,863,263)	3,916,752
Cash and Cash Equivalents, Beginning of Period	37,735,266	11,089,189
Cash and Cash Equivalents, End of Period	21,872,003	15,005,941
Supplemental Cash Flows Information
Interest paid	2,050,450	2,050,889
Income taxes paid	231,193
Real estate acquired in settlement of loans	$ 0	$ 48,127