Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 7,357	$ 6,841
Interest-bearing deposits at other financial institutions	58,374	92,004
Total cash and cash equivalents	65,731	98,845
Securities available for sale, at fair value (amortized cost of $307,806 and $264,639, respectively)	298,326	244,119
Derivative assets	347	439
Loans held for sale, at fair value	41,435	26,026
Loans held for investment	760,022	756,897
Less: allowance for credit losses	(6,245)	(6,244)
Loans held for investment, net	753,777	750,653
Federal Home Loan Bank stock, at cost	3,605	4,354
Bank owned life insurance	15,250	14,986
Accrued interest receivable	5,392	5,729
Premises and equipment, net	57,759	54,145
Other real estate owned	2,207	610
Mortgage servicing rights	934	1,078
Prepaid expenses	2,895	2,151
Other assets	16,483	17,798
Total assets	1,264,141	1,220,933
Deposits:
Non-interest bearing	131,499	132,258
Interest bearing	708,400	668,484
Total deposits	839,899	800,742
Advances by borrowers for taxes and insurance	8,179	6,537
Other borrowings	63,440	73,500
Accrued interest payable	354	380
Other liabilities	14,083	13,519
Total liabilities	925,955	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 September 30, 2025 and December 31, 2024	198	198
Additional paid-in capital	193,578	193,571
Unearned ESOP shares - 1,475,910 and 1,523,520 shares as of September 30, 2025 and December 31, 2024, respectively	(16,677)	(17,215)
Retained earnings	168,576	165,912
Accumulated other comprehensive income (loss)	(7,489)	(16,211)
Total stockholders' equity	338,186	326,255
Total liabilities and stockholders' equity	$ 1,264,141	$ 1,220,933