CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST INCOME
Loans receivable, including fees	$ 2,717	$ 1,852	$ 7,314	$ 5,172
Investment securities	255	403	790	1,243
Other earning assets	699	214	2,247	643
Total interest income	3,671	2,469	10,351	7,058
INTEREST EXPENSE
Deposits	830	452	2,370	1,092
Borrowings	309	69	908	205
Total interest expense	1,139	521	3,278	1,297
Net interest income	2,532	1,948	7,073	5,761
Provision for credit losses	337		531
Net interest income after provision for credit losses	2,195	1,948	6,542	5,761
NON-INTEREST INCOME
Service charges on deposit accounts	200	190	597	573
Bank-owned life insurance	118	104	344	300
Gain (loss) on sales of investment securities			(5,507)
Gain (loss) on disposals and sales of fixed assets			6
Federal community development grant	280		280
Other	22	12	103	44
Total non-interest income (loss)	620	306	(4,177)	917
NON-INTEREST EXPENSE
Salaries and employee benefits	1,200	1,141	3,603	3,522
Occupancy and equipment	193	198	572	609
Data processing and communication	238	228	1,170	675
Professional fees	151	100	375	346
Directors' fees	116	116	345	345
ATM and debit card	24	68	124	187
Foreclosed assets, net	33	2	67	67
Advertising and marketing	31	25	112	77
Franchise and shares tax	15	19	46	71
Regulatory fees and assessments	42	33	111	99
Insurance	26	26	77	80
Printing, supplies and postage	7	28	70	102
Other	184	97	447	277
Total non-interest expense	2,260	2,081	7,119	6,457
Income (loss) before income tax expense (benefit)	555	173	(4,754)	221
Income tax expense (benefit)	108	22	(1,039)	2
NET INCOME (LOSS)	$ 447	$ 151	$ (3,715)	$ 219
Earnings (loss) per share - basic (in dollars per share)	$ 0.11	$ 0.03	$ (0.93)	$ 0.05
Earnings (loss) per share - diluted (in dollars per share)	$ 0.11	$ 0.03	$ (0.93)	$ 0.05