Consolidated Statements of Operations - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Loans		$ 17,646,000	$ 16,728,000	$ 52,408,000	$ 48,778,000
Taxable investment income		3,850,000	3,339,000	11,150,000	9,663,000
Non-taxable investment income		36,000	106,000	108,000	329,000
Total interest income		21,532,000	20,173,000	63,666,000	58,770,000
Interest expense:
Deposits		9,712,000	7,034,000	27,257,000	16,361,000
Borrowed funds		2,733,000	3,263,000	8,332,000	9,686,000
Total interest expense		12,445,000	10,297,000	35,589,000	26,047,000
Net interest income		9,087,000	9,876,000	28,077,000	32,723,000
Provision for (release of) credit losses		248,000	(717,000)	(1,049,000)	(597,000)
Net interest income after provision for (release of) credit losses		8,839,000	10,593,000	29,126,000	33,320,000
Non-interest income:
Fees and service charges		272,000	291,000	897,000	833,000
Gain on sale of loans		0	0	36,000	159,000
Other income		115,000	78,000	441,000	241,000
Total non-interest income		387,000	369,000	1,374,000	1,233,000
Non-interest expense:
Compensation and benefits		7,306,000	6,640,000	22,490,000	21,552,000
Occupancy and equipment		2,230,000	2,104,000	6,684,000	6,210,000
Data processing		1,412,000	1,473,000	4,134,000	4,609,000
Advertising		87,000	85,000	211,000	234,000
Professional services		813,000	646,000	2,166,000	2,390,000
Federal deposit insurance premiums		236,000	263,000	629,000	599,000
Other expense		1,183,000	1,183,000	3,410,000	3,425,000
Total non-interest expenses		13,267,000	12,394,000	39,724,000	39,019,000
Loss before income tax expense		(4,041,000)	(1,432,000)	(9,224,000)	(4,466,000)
Income tax expense		0	0	0	0
Net loss		$ (4,041,000)	$ (1,432,000)	$ (9,224,000)	$ (4,466,000)
Basic loss per share (in dollars per share)		$ (0.19)	$ (0.06)	$ (0.43)	$ (0.18)
Diluted loss per share (in dollars per share)		$ (0.19)	$ (0.06)	$ (0.43)	$ (0.18)
Weighted average shares outstanding - basic (in shares)		21,263,482	23,278,490	21,695,895	24,289,599
Weighted average shares outstanding - diluted (in shares)	[1]	21,263,482	23,278,490	21,695,895	24,289,599

[1] The assumed vesting of outstanding restricted stock units had an antidilutive effect on diluted earnings per share due to the Company’s net loss for the 2024 and 2023 periods.