Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 1,584	$ 42
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization	1,284	1,282
Amortization of mortgage servicing rights	194	304
Net (accretion) amortization on securities	(692)	(376)
Provision (benefit) for credit losses	838	520
ESOP expense	356
Increase in cash surrender value of life insurance	(174)	(170)
Net gain on sales of mortgage servicing rights		(2,251)
(Gain) loss on sales and disposal of assets	88
Federal Home Loan Bank stock dividends	(113)	(120)
Net gain on sales of available for sale securities	(163)	(308)
Deferred income taxes (benefit)	282	130
Net (increase) decrease in derivative instruments	46	(357)
Changes in other operating assets and liabilities	508	(1,444)
Loans held for sale:
Originations	(179,598)	(190,186)
Proceeds from sale	188,529	184,797
Gain on sale of loans, net	(7,293)	(6,766)
Net change in fair value	(305)	(160)
Net cash provided by (used in) operating activities	5,371	(15,063)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of securities available for sale	(34,773)	(12,387)
Proceeds from maturities, prepayments, and sales of securities available for sale	24,499	12,416
Proceeds from sale of mortgage servicing rights		4,194
Redemption of FHLB stock	1,191
(Increase) decrease in loans held for investment, net	(21,742)	(60,161)
Purchases of premises and equipment	(4,772)	(2,069)
Proceeds from sale of Company owned assets or other real estate owned	598	37
Net cash provided by (used in) investing activities	(34,999)	(57,970)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	24,066	1,335
Proceeds from other borrowings	30,000	114,500
Payments on other borrowings	(37,000)	(68,200)
Net change in advances by borrowers for taxes and insurance	(196)	(2,295)
Net cash provided by (used in) financing activities	16,870	45,340
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(12,758)	(27,693)
Cash and cash equivalents at beginning of period	98,845	87,108
Cash and cash equivalents at end of period	86,087	59,415
Supplemental Disclosures For Cash Flow Information:
Cash paid for interest on deposits and borrowings	8,523	6,511
Cash paid for income taxes		1,244
Loans transferred to other real estate owned	$ 1,024	$ 2,028