Consolidated Statements of Operations (unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Interest income:
Loans, including fees	$ 2,287,479	$ 1,981,859
Securities:
Taxable	256,037	267,992
Tax-exempt	9,398	9,403
Other	50,815	42,509
Total interest income	2,603,729	2,301,763
Interest expense:
Deposits	1,379,097	1,215,111
Borrowed funds	262,331	262,591
Total interest expense	1,641,428	1,477,702
Net interest income	962,301	824,061
Provision for credit losses	110,290	0
Net interest income after provision for credit losses	852,011	824,061
Noninterest income:
Service charges on deposit accounts	14,582	10,380
Interchange income	56,354	57,139
Mortgage banking income	51,606	63,845
Gain on sale of mortgage loans	45,561	50,721
Increase in cash value of life insurance	62,225	54,201
Gain on interest rate swap	0	86,290
Other	90,014	146,183
Total noninterest income	320,342	468,759
Noninterest expense:
Salaries and related benefits	1,106,569	1,031,442
Occupancy expense, net	167,974	173,109
Data processing	274,338	271,410
Advertising	27,982	41,689
FDIC insurance premiums	56,626	79,007
Other	335,036	236,137
Total noninterest expense	1,968,525	1,832,794
Income (loss) before provision for (benefit from) income taxes	(796,172)	(539,974)
Provision for (benefit from) income taxes	(227,531)	(162,479)
Net income (loss)	$ (568,641)	$ (377,495)
Basic earnings per share (in dollars per share)	$ (0.81)
Diluted earnings per share (in dollars per share)	$ (0.81)
Weighted average shares outstanding, Basic (in shares)	702,823
Weighted average shares outstanding, Diluted (in shares)	702,823