CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and cash equivalents	$ 14,294	$ 6,788
Securities, available-for-sale, net of allowance for credit losses of $498 and $498	57,034	46,484
Loans, net of allowance for credit losses of $1,751 and $1,804	214,809	202,429
Federal Home Loan Bank of New York stock, at cost	3,529	3,361
Premises and equipment, net	11,162	8,797
Bank owned life insurance	3,860	2,688
Pension assets	7,245	7,245
Accrued interest receivable	1,569	1,247
Intangible assets	467	584
Goodwill	412	412
Other assets	2,077	904
Total assets	316,458	280,939
Deposits:
Noninterest bearing	36,668	30,639
Interest-bearing	201,460	179,932
Total deposits	238,128	210,571
Federal Home Loan Bank advances	40,567	41,253
Advances from borrowers for taxes and insurance	1,200	2,349
Other liabilities	12,149	2,908
Total liabilities	292,044	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 September 30, 2025 and December 31, 2024	9	9
Additional paid-in capital	8,164	8,118
Treasury stock, at cost (164,645 shares at September 30, 2025 and December 31, 2024)	(1,557)	(1,557)
Retained earnings	22,514	22,377
Unearned ESOP shares, at cost	(591)	(605)
Accumulated other comprehensive loss	(4,125)	(4,484)
Total stockholders' equity	24,414	23,858
Total liabilities and stockholders' equity	$ 316,458	$ 280,939