CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and non-interest-bearing deposits due from banks	$ 14,845	$ 95,791
Interest-bearing deposits due from banks	179,603	113,113
Total cash and cash equivalents	194,448	208,904
Securities:
Securities held to maturity, fair value of $919 at March 31, 2026 and $976 at December 31, 2025 (net of allowance for credit losses of $0 at March 31, 2026 and December 31, 2025)	963	1,017
Securities available for sale, at fair value (net of allowance for credit losses of $0 at March 31, 2026 and December 31, 2025)	105,799	99,552
Loans held for sale	16,296	6,407
Loans	1,992,694	2,000,749
Allowance for credit losses	(19,149)	(18,694)
Loans, net	1,973,545	1,982,055
Premises and equipment, net	14,049	14,313
Operating lease assets	8,072	9,855
Accrued interest receivable	11,520	11,780
Prepaid post retirement plan	3,214	3,247
Stock in Federal Home Loan Bank ("FHLB"), at cost	5,895	7,792
Goodwill	19,168	19,168
Loan servicing rights	6,194	6,320
Other assets	11,786	12,686
TOTAL ASSETS	2,370,949	2,383,096
Deposits:
Non-interest-bearing demand	237,346	247,786
Savings, NOW and money market	1,267,579	1,270,705
Time	517,421	509,896
Total deposits	2,022,346	2,028,387
Borrowings	59,780	100,725
Subordinated debentures, $60,000 and $25,000 face amount at March 31, 2026 and December 31, 2025, respectively (less unamortized debt issuance costs of $979 and $257 at March 31, 2026 and December 31, 2025)	59,021	24,743
Operating lease liabilities	8,797	10,567
Accrued interest payable	1,681	1,741
Other liabilities	17,883	16,667
TOTAL LIABILITIES	2,169,508	2,182,830
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 March 31, 2026 and December 31, 2025, respectively)	5,041	5,041
Common stock (par value $0.01; 17,000,000 shares authorized; issued and outstanding 7,156,661 and 7,135,403 at March 31, 2026 and December 31, 2025, respectively)	72	71
Surplus	123,465	123,433
Retained earnings	73,527	72,401
Accumulated other comprehensive loss, net of tax	(664)	(680)
TOTAL STOCKHOLDERS' EQUITY	201,441	200,266
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,370,949	$ 2,383,096