Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents - cash and due from bank	$ 14,450	$ 20,202
Available-for-sale debt securities (net of credit losses of $0 at September 30, 2024 and December 31, 2023, respectively, amortized cost of $73,209 and $67,949 at September 30, 2024 and December 31, 2023, respectively)	70,695	63,513
Held-to-maturity debt securities (net of allowance for credit losses of $0 as of September 30, 2024 and December 31, 2023)	8,428	8,947
Equity securities	153	115
Loans, net of allowance for credit losses of $859 and $675 at September 30, 2024 and December 31, 2023	95,113	90,715
Premises and equipment, net of accumulated depreciation of $2,779 and $2,748 at September 30, 2024 and December 31, 2023	2,066	2,037
Federal Home Loan Bank stock	347	347
Interest receivable	736	689
Cash surrender value of bank-owned life insurance	3,952	3,877
Deferred income taxes	1,354	1,831
Mortgage servicing rights	300	300
Other	758	880
Total assets	198,352	193,453
Deposits
Demand	18,812	20,810
Savings, NOW and money market	74,226	75,676
Time	65,569	59,675
Total deposits	158,607	156,161
Deferred compensation	987	921
Income tax payable	243	257
Interest payable and other liabilities	791	595
Total liabilities	160,628	157,934
Stockholders' Equity
Preferred Stock, $0.01 par value, 1,000,000 shares authorized, none issued
Common Stock, $0.01 par value, 14,000,000 shares authorized, 1,725,000 issued, 1,685,000 outstanding at September 30, 2024 and December 31, 2023	17	17
Additional Paid in Capital	15,602	15,605
Unallocated common stock of ESOP	(1,283)	(1,325)
Treasury stock - 40,000 share at September 30, 2024 and December 31, 2023	(400)	(400)
Retained earnings	25,588	24,796
Accumulated other comprehensive income (loss)	(1,800)	(3,174)
Total stockholders' equity	37,724	35,519
Total liabilities and stockholders' equity	$ 198,352	$ 193,453