CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 13,040	$ 17,156
Interest-earning bank balances	18,196	17,376
Federal funds sold	140,831	116,025
Total cash and cash equivalents	172,067	150,557
Securities available-for-sale, at fair value	118,098	91,352
Securities held-to-maturity (fair value $199 and $200, at March 31, 2024 and December 31, 2023, respectively)	167	193
Loans receivable, net of deferred fees and costs	1,571,231	1,548,335
Less: allowance for credit losses	(18,618)	(18,492)
Loans receivable, net	1,552,613	1,529,843
Bank-owned life insurance	59,240	58,860
Premises and equipment, net	14,115	14,453
Accrued interest receivable	6,405	6,089
Restricted investment in bank stock	1,398	1,410
Deferred taxes, net	11,605	11,512
Goodwill	8,853	8,853
Core deposit intangible	1,301	1,422
Operating lease right-of-use asset	22,726	23,398
Equity method investments	9,051	8,296
Other assets	10,362	10,259
TOTAL ASSETS	1,988,001	1,916,497
Deposits:
Non-interest-bearing	247,056	249,282
Interest-bearing	1,458,564	1,386,459
Total deposits	1,705,620	1,635,741
Accrued interest payable	11,831	9,162
Operating lease liability	23,643	24,280
Other liabilities	5,099	7,103
TOTAL LIABILITIES	1,746,193	1,676,286
STOCKHOLDERS' EQUITY
Common stock, no par value; 15,000,000 shares authorized, 6,320,356 shares issued and outstanding at March 31, 2024; at December 31, 2023, 6,299,331 shares issued and outstanding	0	0
Paid-in capital	98,312	98,291
Treasury Stock, at cost of 19,000 shares at March 31, 2024	(579)	0
Retained earnings	151,860	149,414
Accumulated other comprehensive loss	(7,785)	(7,494)
TOTAL STOCKHOLDERS' EQUITY	241,808	240,211
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,988,001	$ 1,916,497