Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 42,992	$ 35,449
Federal funds sold	12,914	2,328
Cash and cash equivalents	55,906	37,777
Debt securities available-for-sale, at fair value	35,600	50,296
Equity securities, at fair value	836	808
Restricted stocks, at cost	2,228	2,125
Loans receivable, net of allowance for credit losses of $4,498 at June 30, 2025 and $4,356 at December 31, 2024	353,324	344,813
Premises and equipment, net	2,052	2,079
Deferred income taxes, net	1,593	1,568
Accrued interest receivable	1,476	1,269
Bank owned life insurance	8,560	8,448
Other assets	2,552	2,134
Total Assets	464,127	451,317
Liabilities
Deposits	363,421	354,190
Borrowings	43,882	42,460
Accrued expenses and other liabilities	6,479	6,009
Total Liabilities	413,782	402,659
Commitments and contingencies - see notes 7 and 8
Stockholders' Equity
Preferred Stock, $0.01 par value, 10,000,000 shares authorized; -0- issued and outstanding at June 30, 2025 and December 31, 2024	0	0
Common Stock, $0.01 par value, 40,000,000 shares authorized; 2,552,315 (including 67,251 unvested restricted shares) and 2,552,115 (including 67,846 unvested restricted shares) issued and outstanding at June 30, 2025 and December 31, 2024, respectively	24	24
Additional paid-in capital	23,208	22,927
Retained earnings	29,443	28,330
Unearned ESOP shares, 177,744 shares at June 30, 2025 and December 31, 2024	(2,318)	(2,318)
Accumulated other comprehensive loss	(12)	(305)
Total Stockholders' Equity	50,345	48,658
Total Liabilities and Stockholders' Equity	$ 464,127	$ 451,317