CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and cash equivalents	$ 12,830	$ 6,788
Securities, available-for-sale, net of allowance for credit losses of $498 and $498	48,597	46,484
Loans, net of allowance for credit losses of $1,751 and $1,804	209,597	202,429
Federal Home Loan Bank of New York stock, at cost	3,453	3,361
Premises and equipment, net	10,568	8,797
Bank owned life insurance	2,740	2,688
Pension assets	7,245	7,245
Accrued interest receivable	1,370	1,247
Intangible assets	506	584
Goodwill	412	412
Other assets	1,742	904
Total assets	299,060	280,939
Deposits:
Noninterest bearing	33,019	30,639
Interest-bearing	195,798	179,932
Total Deposits	228,817	210,571
Federal Home Loan Bank advances	40,567	41,253
Advances from borrowers for taxes and insurance	3,008	2,349
Other liabilities	2,913	2,908
Total liabilities	275,305	257,081
STOCKHOLDERS' EQUITY
Preferred stock, $0.01 par value, 1,000,000 shares authorized and unissued
Common stock, $0.01 par value, 19,000,000 shares authorized, 2,002,923 shares issued and 1,838,278 shares outstanding at June 30, 2025 and December 31, 2024	9	9
Additional paid-in capital	8,150	8,118
Treasury stock, at cost (164,645 shares at June 30, 2025 and December 31, 2024)	(1,557)	(1,557)
Retained earnings	22,329	22,377
Unearned ESOP shares, at cost	(596)	(605)
Accumulated other comprehensive loss	(4,580)	(4,484)
Total stockholders' equity	23,755	23,858
Total liabilities and stockholders' equity	$ 299,060	$ 280,939