Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net income	$ 2,545	$ 3,667
Adjustments to reconcile net income to net cash provided by operating activities:
(Accretion) amortization of securities, net	(20)	9
Provision for credit losses	485	696
Change in deferred loan costs/fees	254	(29)
Gain on sales of loans, net	(80)	(13)
Proceeds from sales of loans	5,754	359
Loans originated for sale, net	(6,377)	(346)
Depreciation and amortization expense	227	205
Increase in accrued interest receivable	(398)	(758)
Increase in accrued interest payable	606	548
Increase in bank-owned life insurance	(353)	(300)
Gain from life insurance policy death benefit	0	(72)
Deferred income tax benefit	(470)	(76)
ESOP expense	356	365
Stock-based compensation expense	977	20
Increase in other assets	(187)	(1,513)
(Decrease) increase in other liabilities	(1,501)	1,041
Net cash provided by operating activities	1,818	3,803
Cash flows from investing activities:
Purchases of held-to-maturity securities	(8,874)	(2,437)
Proceeds from paydowns and maturities of held-to-maturity securities	8,640	5,141
Purchases of available -for-sale securities	(4,175)	0
Proceed from payments and maturities of available-for-sale securities	5,000	0
Purchase of interest-bearing time deposits	(200)	0
Proceeds from maturities of interest-bearing time deposits	0	300
Purchase of Federal Home Loan Bank Stock	(1,734)	(3,204)
Redemption of Federal Home Loan Bank stock	1,776	926
Loan originations and principal collections, net	(67,713)	(103,487)
Purchase of loans	(8,175)	(9,262)
Recoveries of loans previously charged off	0	1
Capital expenditures	(60)	(236)
Net cash used in investing activities	(75,515)	(112,258)
Cash flows from financing activities:
Net decrease in demand deposits, interest-bearing checking, savings and money market accounts	(6,928)	(27,794)
Net increase in time deposits	83,039	122,176
Proceeds from long-term Federal Home Loan Bank advances	45,000	185,000
Repayments of long-term Federal Home Loan Bank advances	(70,000)	(80,000)
Net change in short-term Federal Home Loan Bank advances	25,000	(55,000)
Payments for shares repurchased under share repurchase plan	(1,820)	(590)
Net cash provided by financing activities	74,291	143,792
Net increase in cash and cash equivalents	594	35,337
Cash and cash equivalents at beginning of year	119,036	62,050
Cash and cash equivalents at end of period	119,630	97,387
Supplemental disclosures:
Interest paid	31,635	20,480
Income taxes paid	1,401	1,931
Noncash activities:
Transfer of bank-owned life insurance to other assets	0	72
Effect of the adoption of ASU 2016-13 - Allowance for credit losses	0	182
Effect of the adoption of ASU 2016-13 - Deferred income taxes	0	266
Effect of the adoption of ASU 2016-13 - Other liabilities	$ 0	$ 761