Consolidated Statements of Financial Condition (Unaudited) - USD ($)	Mar. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 7,359,000	$ 6,841,000
Interest-bearing deposits at other financial institutions	91,216,000	92,004,000
Total cash and cash equivalents	98,575,000	98,845,000
Securities available for sale, at fair value (amortized cost of $266,117 and $264,639, respectively)	250,998,000	244,119,000
Derivative assets	540,000	439,000
Loans held for sale, at fair value	20,860,000	26,026,000
Loans held for investment	770,585,000	756,897,000
Less: allowance for credit losses	(6,195,000)	(6,244,000)
Loans held for investment, net	764,390,000	750,653,000
Federal Home Loan Bank stock, at cost	3,223,000	4,354,000
Bank owned life insurance	15,073,000	14,986,000
Accrued interest receivable	5,563,000	5,729,000
Premises and equipment, net	56,562,000	54,145,000
Other real estate owned	650,000	610,000
Mortgage servicing rights	1,012,000	1,078,000
Prepaid expenses	2,706,000	2,151,000
Other assets	17,622,000	17,798,000
Total assets	1,237,774,000	1,220,933,000
Deposits:
Non-interest bearing	139,573,000	132,258,000
Interest bearing	683,872,000	668,484,000
Total deposits	823,445,000	800,742,000
Advances by borrowers for taxes and insurance	5,664,000	6,537,000
Other borrowings	61,500,000	73,500,000
Accrued interest payable	359,000	380,000
Other liabilities	15,397,000	13,519,000
Total liabilities	906,365,000	894,678,000
Stockholders' Equity:
Preferred stock, $0.01 par value - 5,000,000 shares authorized; none issued	0	0
Common stock, $0.01 par value - 120,000,000 shares authorized; 19,837,500 issued and outstanding at March 31, 2025 and December 31, 2024	198,000	198,000
Additional paid-in capital	193,574,000	193,571,000
Unearned ESOP shares - 1,507,650 and 1,523,520 shares as of March 31, 2025 and December 31, 2024, respectively	(17,036,000)	(17,215,000)
Retained earnings	166,617,000	165,912,000
Accumulated other comprehensive income (loss)	(11,944,000)	(16,211,000)
Total stockholders' equity	331,409,000	326,255,000
Total liabilities and stockholders' equity	$ 1,237,774,000	$ 1,220,933,000