CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and amounts due from depository institutions	$ 14,182	$ 8,344
Interest-bearing deposits	40,750	143,925
Total cash and cash equivalents	54,932	152,269
Certificates of deposit	100	100
Equity securities	18,307	19,943
Securities available-for-sale, at fair value	1	1
Securities held-to-maturity (fair value of $22,900 and $17,620, respectively)	26,732	17,880
Loans receivable	1,117,417	972,851
Deferred loan costs, net	551	484
Allowance for loan losses	(5,461)	(5,242)
Net loans	1,112,507	968,093
Premises and equipment, net	26,349	23,907
Investments in restricted stock, at cost	1,238	1,569
Bank owned life insurance	25,741	25,291
Accrued interest receivable	6,635	4,283
Goodwill	651	651
Real estate owned	1,807	1,996
Property held for investment	1,453	1,481
Right of Use Assets - Operating	2,161	2,564
Right of Use Assets - Financing	356	359
Other assets	5,935	4,683
Total assets	1,284,905	1,225,070
Deposits:
Non-interest bearing	354,336	330,853
Interest bearing	633,288	596,311
Total deposits	987,624	927,164
Advance payments by borrowers for taxes and insurance	2,297	1,884
Federal Home Loan Bank advances	21,000	28,000
Lease Liability - Operating	2,210	2,604
Lease Liability - Financing	524	496
Accounts payable and accrued expenses	11,213	13,540
Total liabilities	1,024,868	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; 16,214,528 shares and 16,377,936 shares issued and outstanding, respectively	162	164
Additional paid-in capital	142,265	145,335
Unearned Employee Stock Ownership Plan ("ESOP") shares	(7,649)	(8,301)
Retained earnings	125,334	114,323
Accumulated other comprehensive loss	(75)	(139)
Total stockholders' equity	260,037	251,382
Total liabilities and stockholders' equity	$ 1,284,905	$ 1,225,070