CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and non-interest-bearing deposits due from banks	$ 95,791	$ 12,768
Interest-bearing deposits due from banks	113,113	150,089
Total cash and cash equivalents	208,904	162,857
Securities:
Securities held to maturity, fair value of $976 and $3,609 at December 31, 2025 and 2024, respectively (net of allowance for credit losses of $0 at December 31, 2025 and 2024)	1,017	3,758
Securities available for sale, at fair value (net of allowance for credit losses of $0 at December 31, 2025 and 2024)	99,552	83,755
Loans held for sale	6,407	12,404
Loans	2,000,749	1,985,524
Allowance for credit losses	(18,694)	(22,779)
Total loans, net	1,982,055	1,962,745
Premises and equipment, net	14,313	15,337
Operating lease assets	9,855	8,337
Accrued interest receivable	11,780	11,849
Prepaid post retirement plan	3,247	3,377
Stock in Federal Home Loan Bank ("FHLB"), at cost	7,792	7,885
Goodwill	19,168	19,168
Loan servicing rights	6,320	6,016
Other assets	12,686	14,622
TOTAL ASSETS	2,383,096	2,312,110
Deposits:
Non-interest-bearing demand	247,786	211,656
Savings, NOW and money market	1,270,705	1,244,857
Time	509,896	497,770
Total deposits	2,028,387	1,954,283
Borrowings	100,725	107,805
Subordinated debentures ($25,000 face amount less unamortized debt issuance costs of $257 and $311 at December 31, 2025 and 2024, respectively)	24,743	24,689
Operating lease liabilities	10,567	9,025
Accrued interest payable	1,741	1,532
Other liabilities	16,667	18,138
TOTAL LIABILITIES	2,182,830	2,115,472
COMMITMENTS AND CONTINGENT LIABILITIES
STOCKHOLDERS' EQUITY
Preferred stock, Series A (par value $0.01; 15,000,000 shares authorized; issued and outstanding 275,000 at December 31, 2025 and 2024)	5,041	5,041
Common stock (par value $0.01; 17,000,000 shares authorized; issued and outstanding 7,135,403 and 7,152,127 at December 31, 2025 and 2024, respectively)	71	72
Surplus	123,433	124,937
Retained earnings	72,401	67,922
Accumulated other comprehensive loss, net of tax	(680)	(1,334)
TOTAL STOCKHOLDERS' EQUITY	200,266	196,638
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,383,096	$ 2,312,110