Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 46,025	$ 41,182
Securities available-for-sale, at fair value	283,766	314,248
Securities held-to-maturity (fair value of $28,323 at December 31, 2023 and $29,115 at December 31, 2022, and allowance for credit losses of $158 at December 31, 2023 and none at December 31, 2022)	33,254	33,705
FHLB stock and other investments	20,346	16,069
Loans receivable, net of allowance for credit losses of $14,154 at December 31, 2023 and $13,400 at December 31, 2022	1,546,576	1,531,727
Real estate owned, net	593	0
Interest and dividends receivable	7,595	6,893
Premises and equipment, net	32,475	29,825
Right-of-use assets	25,172	25,906
Bank owned life insurance	22,034	21,576
Other assets	27,127	22,207
Total assets	2,044,963	2,043,338
Liabilities
Deposits	1,244,904	1,288,862
Advances from the Federal Home Loan Bank	397,500	310,500
Advances by borrowers for taxes and insurance	8,929	9,302
Lease liabilities	26,777	27,324
Other liabilities	11,213	13,632
Total liabilities	1,689,323	1,649,620
Shareholders’ equity
Preferred stock, $0.01 par value, 10,000,000 authorized; none issued	0	0
Common stock $0.01 par value; 70,000,000 shares authorized; 28,522,500 shares issued at December 31, 2023 and December 31, 2022; 24,509,950 and 27,523,219 shares outstanding at December 31, 2023 and December 31, 2022, respectively	285	285
Additional paid-in capital	273,991	279,454
Retained earnings	164,340	171,763
Treasury Stock, at cost: 4,012,550 shares at December 31, 2023 and 999,281 shares at December 31, 2022	(40,016)	(12,072)
Unallocated common shares held by Employee Stock Ownership Plan	(20,080)	(20,993)
Accumulated other comprehensive loss	(22,880)	(24,719)
Total shareholders’ equity	355,640	393,718
Total liabilities and shareholders’ equity	$ 2,044,963	$ 2,043,338