Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 26,029	$ 65,300
Fed funds sold	2,315	1,503
Cash and cash equivalents	28,344	66,803
Marketable equity securities, stated at fair value	2,924	3,544
Available-for-sale securities, stated at fair value	114,492	112,440
Loans held for sale	125	1,183
Loans, net	359,574	323,789
Premises and equipment, net	5,451	5,864
Mortgage servicing rights, net	1,860	2,036
Federal Home Loan Bank (FHLB) stock, at cost	3,429	3,032
Accrued interest receivable	1,257	948
Cash value of life insurance	14,316	13,892
Other assets	11,244	6,108
TOTAL ASSETS	543,016	539,639
Liabilities and Stockholders' Equity
Deposits	387,721	384,501
Advance payments by borrowers for taxes and insurance	1,029	1,860
FHLB advances	71,464	55,442
Accrued interest payable	291	109
Other liabilities	7,149	6,834
TOTAL LIABILITIES	467,654	448,746
Preferred stock, $0.01 par value, 10,000,000 shares authorized at December 31, 2022 and December 31, 2021	0	0
Common stock (par value $0.01 per share) Authorized - 90,000,000 shares at December 31, 2022 and December 31, 2021 Issued - 6,236,168 at December 31, 2022 and 6,402,571 at December 31, 2021 (includes 211,349 and 97,128 unvested shares, respectively) Outstanding - 6,206,105 at December 31, 2022 and 6,372,508 at December 31, 2021 (includes 211,349 and 97,128 unvested shares, respectively)	62	64
Additional paid-in capital	49,931	52,805
Unallocated common stock of Employee Stock Ownership Plan (ESOP), 453,792 and 377,077 shares at December 31, 2022 and December 31, 2021, respectively	(4,307)	(3,432)
Less treasury stock at cost, 30,063 shares at December 31, 2022 and December 31, 2021	(301)	(301)
Retained earnings	41,468	41,615
Accumulated other comprehensive (loss) income, net of income taxes	(11,491)	142
Total stockholders' equity	75,362	90,893
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 543,016	$ 539,639