Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 2,664	$ (853)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization	1,961	1,899
Amortization of mortgage servicing rights	290	397
Net (accretion) amortization on securities	(1,318)	(584)
Provision (benefit) for credit losses	1,251	820
ESOP expense	545
Increase in cash surrender value of life insurance	(264)	(257)
Net gain on sales of mortgage servicing rights		(2,584)
(Gain) loss on sales and disposal of assets	111	(117)
Federal Home Loan Bank stock dividends	(154)	(182)
Net gain on sales of available for sale securities	(214)	(285)
Deferred income taxes (benefit)	430	(101)
Net (increase) decrease in derivative instruments	92	(144)
Changes in other operating assets and liabilities	(1,447)	1,118
Loans held for sale:
Originations	(289,515)	(286,563)
Proceeds from sale	286,359	283,877
Gain on sale of loans, net	(11,301)	(10,706)
Net change in fair value	(952)	(583)
Net cash provided by (used in) operating activities	(11,462)	(14,848)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of securities available for sale	(74,228)	(16,963)
Proceeds from maturities, prepayments, and sales of securities available for sale	32,593	30,766
Proceeds from sale of mortgage servicing rights		4,194
Purchase of FHLB stock	(288)
Redemption of FHLB stock	1,191
(Increase) decrease in loans held for investment, net	(6,107)	(67,838)
Purchases of premises and equipment	(6,242)	(3,476)
Proceeds from sale of Company owned assets or other real estate owned	690	598
Net cash provided by (used in) investing activities	(52,391)	(52,719)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	39,157	(17,324)
Proceeds from other borrowings	63,500	136,000
Payments on other borrowings	(73,560)	(94,200)
Net change in advances by borrowers for taxes and insurance	1,642	(4,545)
Tentative proceeds from stock conversion held in escrow		254,072
Net cash provided by (used in) financing activities	30,739	274,003
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(33,114)	206,436
Cash and cash equivalents at beginning of period	98,845	87,108
Cash and cash equivalents at end of period	65,731	293,544
Supplemental Disclosures For Cash Flow Information:
Cash paid for interest on deposits and borrowings	13,160	10,623
Cash paid for income taxes		1,244
Loans transferred to other real estate owned	$ 1,732	$ 2,028