STATEMENTS OF OPERATIONS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income
Interest and fees on loans	$ 13,910	$ 11,525	$ 39,453	$ 31,377
Interest and dividends on investment securities	2,265	2,291	6,912	6,897
Interest on deposits in other banks	734	404	1,676	1,036
Total interest and dividend income	16,909	14,220	48,041	39,310
Interest expense
Deposits	3,031	2,286	8,311	4,259
Borrowed funds	2,455	1,095	6,489	1,907
Total interest expense	5,486	3,381	14,800	6,166
Net interest income	11,423	10,839	33,241	33,144
Provision (benefit) for credit losses	300	725	820	349
Net interest income after provision (benefit) for credit losses	11,123	10,114	32,421	32,795
Non-interest income
Service charges and fee income from deposit accounts	700	757	2,221	2,431
Gain on sales of mortgage loans	3,939	3,206	10,706	9,932
Gain (loss) on sales and disposal of assets	117		117	(1)
Gain (loss) on sales of available for sale securities	(24)		285	203
Gain on sales of mortgage servicing rights	334	4,738	2,584	4,738
Other non-interest income	306	1,068	1,434	3,205
Total non-interest income	5,372	9,769	17,347	20,508
Non-interest expenses
Salaries and employee benefits	10,745	10,610	31,215	31,619
Occupancy and equipment	2,027	2,018	6,105	6,040
Directors' fees	162	205	466	600
Data processing	1,215	1,245	3,915	3,472
Advertising and marketing	404	433	1,632	1,287
Mortgage servicing rights amortization	94	515	397	1,574
Hedging activity, net	712	(364)	581	(369)
Other general and administrative	2,278	2,267	6,544	6,421
Total non-interest expenses	17,637	16,929	50,855	50,644
Net income (loss) before income taxes	(1,142)	2,954	(1,087)	2,659
Income tax expense (benefit)	(247)	545	(234)	359
Net income (loss)	$ (895)	$ 2,409	$ (853)	$ 2,300