Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 23,241	$ 26,029
Fed funds sold	3,362	2,315
Cash and cash equivalents	26,603	28,344
Marketable equity securities, stated at fair value	3,286	2,924
Available-for-sale securities, stated at fair value	104,641	114,492
Loans held for sale	410	125
Loans, net of deferred costs	386,296	362,777
Allowance for credit losses for loans	(3,614)	(3,203)
Total loans, net of deferred loan costs and allowance for credit losses	382,682	359,574
Premises and equipment, net	5,240	5,451
Mortgage servicing rights, net	1,751	1,860
Federal Home Loan Bank (FHLB) stock, at cost	4,787	3,429
Accrued interest receivable	1,349	1,257
Cash value of life insurance	13,919	14,316
Other assets	9,908	11,244
TOTAL ASSETS	554,576	543,016
Liabilities and Stockholders' Equity
Deposits	386,973	387,721
Advance payments by borrowers for taxes and insurance	10,264	1,029
FHLB advances	78,499	71,464
Accrued interest payable	1,099	291
Other liabilities	7,582	7,149
TOTAL LIABILITIES	484,417	467,654
Preferred stock, $0.01 par value, 10,000,000 shares authorized at September 30, 2023 and December 31, 2022	0	0
Common stock (par value $0.01 per share) Authorized - 90,000,000 shares at September 30, 2023 and December 31, 2022 ; Issued - 6,154,164 at September 30, 2023 and 6,236,168 at December 31, 2022 (includes 162,690 and 211,349 unvested shares, respectively) Outstanding - 6,124,646 at September 30, 2023 and 6,206,105 at December 31, 2022 (includes 162,690 and 211,349 unvested shares, respectively)	62	62
Additional paid-in capital	49,907	49,931
Unallocated common stock of Employee Stock Ownership Plan (ESOP), 439,037 and 453,792 shares at September 30, 2023 and December 31, 2022, respectively	(4,167)	(4,307)
Less treasury stock at cost, 29,518 shares at September 30, 2023 and 30,063 shares at December 31, 2022	(295)	(301)
Retained earnings	36,175	41,468
Accumulated other comprehensive (loss) income, net of income taxes	(11,523)	(11,491)
Total stockholders' equity	70,159	75,362
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 554,576	$ 543,016