Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 13,002	$ 65,300
Fed funds sold	2,700	1,503
Cash and cash equivalents	15,702	66,803
Marketable equity securities, stated at fair value	2,723	3,544
Available-for-sale securities, stated at fair value	118,414	112,440
Loans held for sale	365	1,183
Loans, net of allowance for loan losses of $3,180 and $2,858 at September 30, 2022 and December 31, 2021, respectively	354,740	323,789
Premises and equipment, net	5,562	5,864
Mortgage servicing rights, net	1,890	2,036
Federal Home Loan Bank (FHLB) stock, at cost	3,205	3,032
Accrued interest receivable	1,106	948
Cash value of life insurance	14,209	13,892
Other assets	11,401	6,108
TOTAL ASSETS	529,317	539,639
Liabilities and Stockholders' Equity
Deposits	379,298	384,501
Advance payments by borrowers for taxes and insurance	10,225	1,860
FHLB advances	56,951	55,442
Accrued interest payable	142	109
Other liabilities	6,798	6,834
TOTAL LIABILITIES	453,414	448,746
Preferred stock, $0.01 par value, 10,000,000 shares authorized at September 30, 2022 and December 31, 2021	0	0
Common stock (par value $0.01 per share) Authorized - 90,000,000 shares at September 30, 2022 and December 31, 2021 Issued - 6,253,854 at September 30, 2022 and 6,402,571 at December 31, 2021 (includes 116,387 and 97,128 unvested shares, respectively) Outstanding - 6,223,791 at September 30, 2022 and 6,372,508 at December 31, 2021 (includes 116,387 and 97,128 unvested shares, respectively)	63	64
Additional paid-in capital	50,943	52,805
Unallocated common stock of Employee Stock Ownership Plan (ESOP), 458,765 and 377,077 shares at September 30, 2022 and December 31, 2021, respectively	(4,354)	(3,432)
Less treasury stock at cost, 30,063 shares at September 30, 2022 and December 31, 2021	(301)	(301)
Retained earnings	41,443	41,615
Accumulated other comprehensive (loss) income, net of income taxes	(11,891)	142
Total stockholders' equity	75,903	90,893
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 529,317	$ 539,639