Consolidated Statements of Cash flows - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ (6,214,000)	$ 1,118,000
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization	2,532,000	2,410,000
Goodwill impairment	5,786,000	0
(Gain) loss on sales and disposal of assets	283,000	1,000
Net (accretion) amortization on securities	(830,000)	(699,000)
Provision (benefit) for credit losses	1,530,000	649,000
ESOP expense	769,000
Increase in cash surrender value of life insurance	(346,000)	(303,000)
Amortization of mortgage servicing rights	503,000	1,763,000
Federal Home Loan Bank stock dividends	(248,000)	(164,000)
Net gain on sales of available for sale securities	(285,000)	(66,000)
Net gain on sales of mortgage servicing rights	(2,584,000)	(5,318,000)
Deferred income taxes (benefit)	(116,000)	(916,000)
Net (increase) decrease in derivative instruments	(255,000)	200,000
Changes in other operating assets and liabilities	(1,058,000)	(212,000)
Loans held for sale:
Originations	(367,836,000)	(464,017,000)
Proceeds from sale	377,036,000	471,407,000
Gain on sale of loans, net	(12,739,000)	(12,526,000)
Net change in fair value	89,000	(330,000)
Net cash provided by (used in) operating activities	(3,983,000)	(7,003,000)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of securities available for sale	(35,423,000)	(17,298,000)
Proceeds from maturities, prepayments, and sales of securities available for sale	41,277,000	42,840,000
Proceeds from sale of mortgage servicing rights	4,566,000	10,751,000
Purchase of FHLB stock		(1,387,000)
(Increase) decrease in loans held for investment, net	(95,007,000)	(112,138,000)
Purchases of premises and equipment	(5,222,000)	(7,033,000)
Proceeds from sale of other real estate owned	2,227,000	162,000
Net cash provided by (used in) investing activities	(87,582,000)	(84,103,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	31,454,000	(22,240,000)
Net change in other borrowings	(98,700,000)	142,100,000
Net change in advances by borrowers for taxes and insurance	(5,237,000)	(2,383,000)
Net proceeds from issuance of common stock	187,850,000
Purchase of over subscribed common stock for ESOP	(12,065,000)
Net cash provided by (used in) financing activities	103,302,000	117,477,000
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	11,737,000	26,371,000
Cash and cash equivalents at beginning of period	87,108,000	60,737,000
Cash and cash equivalents at end of period	98,845,000	87,108,000
Supplemental Disclosures For Cash Flow Information:
Cash paid for interest on deposits and borrowings	19,577,000	9,626,000
Cash paid for income taxes	1,244,000
Loans transferred to other real estate owned	2,305,000	$ 839,000
Purchase of common stock for ESOP within original offering	$ 5,867,000