CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Non-interest-bearing cash	$ 3,625	$ 3,654
Interest-bearing cash and due from banks	42,128	15,357
Total cash and cash equivalents	45,753	19,011
Investment securities:
Securities available-for-sale, at fair value (amortized cost of $35,589 and $79,701, respectively)	32,196	70,540
Securities held-to-maturity (fair values of $11,699 and $11,227, respectively)	13,450	13,461
Loans receivable, net of unearned income	165,882	144,920
Allowance for loan losses	(2,414)	(2,124)
Loans receivable, net	163,468	142,796
Accrued interest receivable	815	906
Foreclosed assets	173	60
Premises and equipment, net	6,135	6,072
Stock in correspondent banks, at cost	1,939	1,878
Bank-owned life insurance	14,370	14,026
Other assets	2,318	2,182
TOTAL ASSETS	280,617	270,932
Deposits
Non-interest-bearing	27,904	28,183
Interest-bearing	139,532	137,439
Total deposits	167,436	165,622
Borrowings	29,513	19,378
Other liabilities	2,001	1,373
TOTAL LIABILITIES	198,950	186,373
SHAREHOLDERS' EQUITY
Preferred stock, $0.01 par value - 5,000,000 shares authorized; none issued
Common stock, $0.01 par value; 30,000,000 shares authorized; 4,399,127 and 4,761,326 issued and outstanding at September 30, 2024 and December 31, 2023, respectively	44	48
Additional paid-in capital	40,847	45,020
Unallocated common stock held by benefit plans	(5,777)	(6,221)
Retained earnings	49,234	52,949
Accumulated other comprehensive income (loss)	(2,681)	(7,237)
TOTAL SHAREHOLDERS' EQUITY	81,667	84,559
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 280,617	$ 270,932