STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ (853)	$ 2,300
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization	1,899	1,738
(Gain) loss on sales and disposal of assets	(117)	1
Net (accretion) amortization on securities	(584)	(497)
Provision (benefit) for credit losses	820	349
Increase in cash surrender value of life insurance	(257)	(222)
Amortization of mortgage servicing rights	397	1,574
Federal Home Loan Bank stock dividends	(182)	(102)
Net gain on sales of available for sale securities	(285)	(203)
Net gain on sales of mortgage servicing rights	(2,584)	(4,738)
Deferred income taxes (benefit)	(101)	(544)
Net (increase) decrease in derivative instruments	(144)	(391)
Changes in other operating assets and liabilities	1,118	265
Loans held for sale:
Originations	(286,563)	(305,830)
Proceeds from sale	283,877	301,254
Gain on sale of loans, net	(10,706)	(9,932)
Net change in fair value	(583)	(73)
Net cash provided by (used in) operating activities	(14,848)	(15,051)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of securities available for sale	(16,963)	(11,341)
Proceeds from maturities, prepayments, and sales of securities available for sale	30,766	25,486
Proceeds from sale of mortgage servicing rights	4,194	10,000
Purchase of FHLB stock		(1,387)
(Increase) decrease in loans held for investment, net	(67,838)	(89,469)
Purchases of premises and equipment	(3,476)	(5,786)
Proceeds from sale of other real estate owned	598	114
Net cash provided by (used in) investing activities	(52,719)	(72,383)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	(17,324)	1,815
Net change in other borrowings	41,800	90,100
Net change in advances by borrowers for taxes and insurance	(4,545)	5,840
Tentative proceeds from stock conversion held in escrow	254,072
Net cash provided by (used in) financing activities	274,003	97,755
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	206,436	10,321
Cash and cash equivalents at beginning of period	87,108	60,737
Cash and cash equivalents at end of period	293,544	71,058
Supplemental Disclosures For Cash Flow Information:
Cash paid for interest on deposits and borrowings	10,623	5,941
Cash paid for income taxes	1,244
Loans transferred to other real estate owned	$ 2,028	$ 791