Consolidated Statements of Cash Flows - USD ($)	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities
Net loss	$ (9,224,000)	$ (4,466,000)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation and amortization of premises and equipment	2,350,000	2,072,000
Amortization (accretion) of:
Right-of-use asset	2,155,000	2,109,000
Deferred loan fees, costs, and discounts, net	(73,000)	(479,000)
Premiums and discounts on securities	559,000	810,000
Release of provision for credit losses	(1,049,000)	(597,000)
Proceeds from sales of loans held for sale	486,000	2,408,000
Gains on sale of loans, net	(36,000)	(159,000)
Origination of loans held for sale	(450,000)	(4,684,000)
Loss on disposal of premises and equipment	3,000	13,000
Gain on sale of real estate owned	(123,000)	0
Increase in bank owned life insurance cash surrender value	(365,000)	(343,000)
ESOP and stock-based compensation expense	3,001,000	2,836,000
Increase in interest and dividends receivable	(791,000)	(894,000)
Decrease in other assets	10,184,000	2,049,000
Increase (decrease) in other liabilities	1,028,000	(3,642,000)
Change in lease liability	(2,080,000)	(1,946,000)
Net cash provided by (used in) operating activities	5,575,000	(4,913,000)
Cash flows from investing activities
Net change in loans receivable	25,590,000	(19,217,000)
Purchases of residential and consumer loans	(15,805,000)	(6,804,000)
Proceeds from sale of real estate owned	716,000	0
Purchases of securities available-for-sale	(44,560,000)	0
Proceeds from sales and calls of securities available for sale	0	2,520,000
Principal payments and maturities on securities available-for-sale	44,952,000	21,821,000
Purchase of Federal Home Loan Bank stock	(29,885,000)	(48,425,000)
Redemption of Federal Home Loan Bank stock	32,153,000	43,875,000
Proceeds from bank owned life insurance	0	582,000
Proceeds from disposal of fixed assets	0	38,000
Purchases of premises and equipment	(39,000)	(4,329,000)
Net cash provided by (used in) investing activities	13,122,000	(9,939,000)
Cash flows from financing activities
Net increase (decrease) in deposits	73,766,000	(35,758,000)
Proceeds from advances from Federal Home Loan Bank	782,000,000	1,848,000,000
Repayments of advances from Federal Home Loan Bank	(831,000,000)	(1,756,000,000)
Net increase in advances by borrowers for taxes and insurance	980,000	313,000
Purchase of treasury stock	(14,359,000)	(30,478,000)
Net cash provided by financing activities	11,387,000	26,077,000
Net increase in cash and cash equivalents	30,084,000	11,225,000
Cash and cash equivalents at beginning of period	46,025,000	41,182,000
Cash and cash equivalents at end of period	76,109,000	52,407,000
Supplemental disclosures of cash flow information
Cash paid during the period for interest	34,949,000	24,794,000
Cash paid during the period for income taxes	81,000	36,000
Supplemental noncash disclosures
Transfers of loans to other real estate owned	0	593,000
Lease liabilities arising from obtaining right-of-use assets	$ 1,173,000	$ 2,088,000