CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and amounts due from depository institutions	$ 14,302	$ 8,344
Interest-bearing deposits	71,925	143,925
Total cash and cash equivalents	86,227	152,269
Certificates of deposit	100	100
Equity securities	18,879	19,943
Securities available-for-sale, at fair value	1	1
Securities held-to-maturity (fair value of $24,385 and $17,620, respectively)	27,189	17,880
Loans receivable	1,023,622	972,851
Deferred loan costs, net	527	484
Allowance for loan losses	(5,467)	(5,242)
Net loans	1,018,682	968,093
Premises and equipment, net	26,215	23,907
Investments in restricted stock, at cost	1,238	1,569
Bank owned life insurance	25,588	25,291
Accrued interest receivable	5,232	4,283
Goodwill	651	651
Real estate owned	1,996	1,996
Property held for investment	1,463	1,481
Right of Use Assets - Operating	2,296	2,564
Right of Use Assets - Financing	357	359
Other assets	5,476	4,683
Total assets	1,221,590	1,225,070
Deposits:
Non-interest bearing	362,484	330,853
Interest bearing	566,116	596,311
Total deposits	928,600	927,164
Advance payments by borrowers for taxes and insurance	1,737	1,884
Federal Home Loan Bank advances	21,000	28,000
Lease Liability - Operating	2,344	2,604
Lease Liability - Financing	514	496
Accounts payable and accrued expenses	11,083	13,540
Total liabilities	965,278	973,688
Stockholders' equity:
Preferred stock, $0.01 par value; 25,000,000 shares authorized; none issued or outstanding
Common stock, $0.01 par value; 75,000,000 shares authorized; 16,377,936 shares issued; and 16,377,936 shares outstanding	164	164
Additional paid-in capital	145,404	145,335
Unearned Employee Stock Ownership Plan ("ESOP") shares	(7,866)	(8,301)
Retained earnings	118,708	114,323
Accumulated other comprehensive loss	(98)	(139)
Total stockholders' equity	256,312	251,382
Total liabilities and stockholders' equity	$ 1,221,590	$ 1,225,070