Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net income (loss)	$ (1,699,811)	$ (935,240)
Adjustments to reconcile net income (loss) to net cash flows used in operating activities:
Provision for depreciation	171,110	179,429
Net amortization/(accretion) of discounts/premiums on securities	(164,881)	(269,412)
Provision for credit losses	166,794	145,039
Origination of loans held for sale	(12,355,415)	(10,578,774)
Proceeds from sales of loans held for sale	12,626,450	10,835,380
Net gain on sales of loans	(271,035)	(256,606)
Provision for (benefit from) deferred taxes	(761,172)	(397,582)
Net loss (gain) on sale and disposal of office properties and equipment	34,050	(207,738)
Net loss (gain) on sale of other real estate owned	0	(71,012)
Increase in cash surrender value of life insurance	(236,677)	(212,118)
ESOP expense	28,385	0
Changes in operating assets and liabilities:
Accrued interest receivable and other assets	98,161	20,160
Accrued interest payable and other liabilities	140,315	267,654
Total adjustments	(523,915)	(545,580)
Net cash flows used in operating activities	(2,223,726)	(1,480,820)
Cash flows from investing activities:
Proceeds from maturities of certificates of deposit	0	200,000
Proceeds from maturities and paydowns of securities available for sale	1,201,288	10,990,568
Proceeds from maturities and paydowns of securities held to maturity	2,250,000	0
Purchase of FHLB stock	(795,698)	(8,638)
Net decrease/(increase) in loans	(12,124,515)	(2,036,482)
Purchase of office properties and equipment	(105,913)	(30,386)
Proceeds from sale of office properties and equipment	0	151,573
Proceeds from sale of land held for sale	0	118,418
Proceeds from sale of repossessed assets	0	71,012
Net cash flows provided by (used in) investing activities	(9,574,838)	9,456,065
Cash flows from financing activities:
Net change in deposits	1,051,841	(18,740,119)
Net change in advance payments by borrowers for taxes and insurance	205,186	(698,820)
Proceeds from notes payable	0	400,000
Principal payments on notes payable	(400,000)	0
Net increase/(decrease) from FHLB advances activity	5,570,000	9,530,000
Proceeds from issuance of common stock, net of costs	5,478,242	0
Loan to ESOP	(526,780)	0
Net cash flows provided by (used in) financing activities	11,378,489	(9,508,939)
Net change in cash and cash equivalents	(420,075)	(1,533,694)
Cash and cash equivalents at beginning of period	1,608,709	3,142,403
Cash and cash equivalents at end of period	1,188,634	1,608,709
Supplemental cash flow information:
Cash paid during the period for: Interest	6,189,344	4,061,516
Cash paid during the period for: Taxes	$ 0	$ 0