Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 23,113	$ 11,220
Fed funds sold	2,573	2,030
Cash and cash equivalents	25,686	13,250
Marketable equity securities, stated at fair value	4,343	3,625
Available-for-sale securities, stated at fair value (amortized cost $107,383 and $119,055)	100,315	109,559
Loans held for sale	536	704
Loans, net of deferred costs	401,616	398,568
Allowance for credit losses for loans	(3,966)	(3,734)
Total loans, net of deferred loan costs and allowance for credit losses	397,650	394,834
Premises and equipment, net	4,977	5,182
Mortgage servicing rights, net	1,652	1,720
Federal Home Loan Bank (FHLB) stock, at cost	4,564	4,164
Accrued interest receivable	1,446	1,554
Cash value of life insurance	14,364	14,027
Other assets	9,007	8,988
TOTAL ASSETS	564,540	557,607
Liabilities and Stockholders' Equity
Deposits	395,310	403,683
Advance payments by borrowers for taxes and insurance	9,771	1,233
FHLB advances	75,792	71,007
Accrued interest payable	1,222	1,106
Other liabilities	9,271	7,817
TOTAL LIABILITIES	491,366	484,846
Preferred stock, $0.01 par value, 10,000,000 shares authorized at September 30, 2024 and December 31, 2023	0	0
Common stock (par value $0.01 per share) Authorized - 90,000,000 shares at September 30, 2024 and December 31, 2023; Issued - 5,994,977 at September 30, 2024 and 6,114,183 at December 31, 2023 (includes 115,574 and 144,297 unvested shares, respectively); Outstanding - 5,965,459 at September 30, 2024 and 6,084,665 at December 31, 2023 (includes 115,574 and 144,297 unvested shares, respectively)	60	61
Additional paid-in capital	49,304	49,778
Unallocated common stock of Employee Stock Ownership Plan (ESOP), 419,291 and 434,062 shares at September 30, 2024 and December 31, 2023, respectively	(3,980)	(4,120)
Less treasury stock at cost, 29,518 shares at September 30, 2024 and December 31, 2023	(295)	(295)
Retained earnings	32,911	33,892
Accumulated other comprehensive loss, net of income taxes	(4,826)	(6,555)
Total stockholders' equity	73,174	72,761
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 564,540	$ 557,607