Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 8,236	$ 6,841
Interest-bearing deposits at other financial institutions	77,851	92,004
Total cash and cash equivalents	86,087	98,845
Securities available for sale, at fair value (amortized cost of $275,768 and $264,639, respectively)	260,173	244,119
Derivative assets	393	439
Loans held for sale, at fair value	24,693	26,026
Loans held for investment	776,692	756,897
Less: allowance for credit losses	(6,159)	(6,244)
Loans held for investment, net	770,533	750,653
Federal Home Loan Bank stock, at cost	3,276	4,354
Bank owned life insurance	15,160	14,986
Accrued interest receivable	5,598	5,729
Premises and equipment, net	56,966	54,145
Other real estate owned	1,615	610
Mortgage servicing rights	947	1,078
Prepaid expenses	2,501	2,151
Other assets	18,696	17,798
Total assets	1,246,638	1,220,933
Deposits:
Non-interest bearing	135,852	132,258
Interest bearing	688,956	668,484
Total deposits	824,808	800,742
Advances by borrowers for taxes and insurance	6,341	6,537
Other borrowings	66,500	73,500
Accrued interest payable	323	380
Other liabilities	16,580	13,519
Total liabilities	914,552	894,678
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 June 30, 2025 and December 31, 2024	198	198
Additional paid-in capital	193,569	193,571
Unearned ESOP shares - 1,491,780 and 1,523,520 shares as of June 30, 2025 and December 31, 2024, respectively	(16,857)	(17,215)
Retained earnings	167,496	165,912
Accumulated other comprehensive income (loss)	(12,320)	(16,211)
Total stockholders' equity	332,086	326,255
Total liabilities and stockholders' equity	$ 1,246,638	$ 1,220,933