Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 15,180	$ 11,220
Fed funds sold	1,639	2,030
Cash and cash equivalents	16,819	13,250
Marketable equity securities, stated at fair value	4,133	3,625
Available-for-sale securities, stated at fair value (amortized cost $113,365 and $119,055)	103,356	109,559
Loans held for sale	1,586	704
Loans, net of deferred costs	402,674	398,568
Allowance for credit losses for loans	(3,871)	(3,734)
Total loans, net of deferred loan costs and allowance for credit losses	398,803	394,834
Premises and equipment, net	5,067	5,182
Mortgage servicing rights, net	1,664	1,720
Federal Home Loan Bank (FHLB) stock, at cost	4,564	4,164
Accrued interest receivable	1,564	1,554
Cash value of life insurance	14,249	14,027
Other assets	9,649	8,988
TOTAL ASSETS	561,454	557,607
Liabilities and Stockholders' Equity
Deposits	398,851	403,683
Advance payments by borrowers for taxes and insurance	7,110	1,233
FHLB advances	74,520	71,007
Accrued interest payable	1,394	1,106
Other liabilities	8,518	7,817
TOTAL LIABILITIES	490,393	484,846
Preferred stock, $0.01 par value, 10,000,000 shares authorized at June 30, 2024 and December 31, 2023	0	0
Common stock (par value $0.01 per share) Authorized - 90,000,000 shares at June 30, 2024 and December 31, 2023; Issued - 5,998,692 at June 30, 2024 and 6,114,183 at December 31, 2023 (includes 121,242 and 144,297 unvested shares, respectively); Outstanding - 5,969,174 at June 30, 2024 and 6,084,665 at December 31, 2023 (includes 121,242 and 144,297 unvested shares, respectively)	60	61
Additional paid-in capital	49,212	49,778
Unallocated common stock of Employee Stock Ownership Plan (ESOP), 424,251 and 434,062 shares at June 30, 2024 and December 31, 2023, respectively	(4,026)	(4,120)
Less treasury stock at cost, 29,518 shares at June 30, 2024 and December 31, 2023	(295)	(295)
Retained earnings	33,070	33,892
Accumulated other comprehensive loss, net of income taxes	(6,960)	(6,555)
Total stockholders' equity	71,061	72,761
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 561,454	$ 557,607