CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
INTEREST AND DIVIDEND INCOME
Loans receivable, including fees	$ 24,940	$ 19,894
Securities available-for-sale:
Taxable	564	278
Tax-exempt	286	284
Securities held-to-maturity	2	3
Other interest and dividend income	2,274	153
TOTAL INTEREST AND DIVIDEND INCOME	28,066	20,612
INTEREST EXPENSE
Deposits	12,618	3,865
Borrowings	0	86
TOTAL INTEREST EXPENSE	12,618	3,951
NET INTEREST INCOME	15,448	16,661
Provision for credit losses	186	265
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	15,262	16,396
NON-INTEREST INCOME
Income from bank-owned life insurance	381	290
Fees and service charges	432	448
Loan fees, including preypayment penalties	724	351
Other	448	285
TOTAL NON-INTEREST INCOME	1,985	1,374
NON-INTEREST EXPENSE
Salaries and employee benefits	6,520	5,399
Occupancy and equipment	2,029	1,341
Professional fees	524	465
Data processing and communications	1,160	1,300
Federal deposit insurance	273	190
Advertising and promotion	142	110
Office expense	119	97
Core deposit intangible	120	135
Other	949	735
TOTAL NON-INTEREST EXPENSE	11,836	9,772
INCOME BEFORE INCOME TAX EXPENSE	5,411	7,998
INCOME TAX EXPENSE	1,066	1,901
NET INCOME	$ 4,345	$ 6,097
Earnings per common share-basic	$ 0.69	$ 0.97
Earnings per common share-diluted	$ 0.68	$ 0.95