Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 6,841	$ 5,795
Interest-bearing deposits at other financial institutions	92,004	81,313
Total cash and cash equivalents	98,845	87,108
Securities available for sale, at fair value (amortized cost of $264,639 and $269,378, respectively)	244,119	249,898
Derivative assets	439	184
Loans held for sale, at fair value	26,026	22,576
Loans held for investment	756,897	665,684
Less: allowance for credit losses	(6,244)	(6,203)
Loans held for investment, net	750,653	659,481
Federal Home Loan Bank stock, at cost	4,354	4,106
Bank owned life insurance	14,986	14,640
Accrued interest receivable	5,729	5,506
Premises and equipment, net	54,145	51,455
Other real estate owned	610	815
Goodwill	0	5,786
Mortgage servicing rights	1,078	2,231
Prepaid expenses	2,151	2,518
Other assets	17,798	18,628
Total assets	1,220,933	1,124,932
Deposits:
Non-interest bearing	132,258	142,032
Interest bearing	668,484	627,256
Total deposits	800,742	769,288
Advances by borrowers for taxes and insurance	6,537	11,774
Other borrowings	73,500	172,200
Accrued interest payable	380	524
Other liabilities	13,519	14,409
Total liabilities	894,678	968,195
Stockholders' Equity:
Preferred stock, $0.01 par value - 5,000,000 shares authorized; none issued	0
Common stock, $0.01 par value - 120,000,000 shares authorized; 19,837,500 and -0- issued and outstanding at December 31, 2024 and 2023, respectively	198
Additional paid-in capital	193,571
Unearned ESOP shares - 1,523,520 shares	(17,215)
Retained earnings	165,912	172,126
Accumulated other comprehensive income (loss)	(16,211)	(15,389)
Total stockholders' equity	326,255	156,737
Total liabilities and stockholders' equity	$ 1,220,933	$ 1,124,932