CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ (48,000)	$ 282,000
Adjustments to reconcile net income (loss) to net cash flow from operating activities:
Depreciation and amortization	265,000	263,000
Provision for credit losses	621,000	15,000
Net amortization of premiums and discounts on securities	(52,000)	59,000
Gain on sale of residential mortgage loans	(65,000)	(22,000)
Proceeds from sale of residential mortgage loans	4,618,000	1,842,000
Loans originated and sold	(4,554,000)	(1,820,000)
Deferred income tax benefit	(47,000)
Loss on sale of available-for-sale securities	(1,000)
Loss (gain) on sale of fixed assets	1,000	(6,000)
Amortization of deferred loan fees	41,000	28,000
ESOP compensation expense	8,934	12,076
Stock based compensation expense	32,000	42,000
Earnings on investment in bank owned life insurance	(52,000)	(22,000)
Increase in accrued interest receivable	(123,000)	(181,000)
Increase in other assets	(838,000)	(198,000)
Increase in other liabilities	233,000	641,000
Net cash flow provided by operating activities	41,000	935,000
Activity in securities available-for-sale:
Proceeds from calls and maturities	10,230,000	30,000
Principal repayments	312,000	612,000
Purchases	(12,725,000)
Purchase of Federal Home Loan Bank of New York stock	(855,000)	(631,000)
Redemption of Federal Home Loan Bank of New York stock	763,000	442,000
Loan originations and principal collections, net	(7,829,000)	(8,099,000)
Purchases of premises and equipment	(1,958,000)	(441,000)
Net cash flow used in investing activities	(12,062,000)	(8,087,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in deposits	18,246,000	6,346,000
Increase in advances from borrowers for taxes and insurance	659,000	689,000
Purchase of treasury stock		(70,000)
Payments on acquisition contingent consideration	(156,000)	(90,000)
Repayment of long-term FHLB advances	(14,500,000)	(5,000,000)
Proceeds from long-term FHLB advances	13,814,000	9,695,000
Decrease in short-term FHLB advances		(2,000,000)
Net cash flow (used in) provided by financing activities	18,063,000	9,570,000
Net change in cash and cash equivalents	6,042,000	2,418,000
CASH AND CASH EQUIVALENTS - beginning of the period	6,788,000	3,920,000
CASH AND CASH EQUIVALENTS - end of the period	12,830,000	6,338,000
SUPPLEMENTAL CASH FLOW INFORMATION
Interest on deposits and borrowed funds	2,715,000	2,676,000
Income taxes	$ 7,000	$ 101,000