DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2025

DEPOSITS.

Schedule of components of deposits

	September 30,		December 31,
	2025		2024
	(Unaudited)
Demand deposits	$	36,668	$	30,639
NOW accounts		26,788		27,058
Regular savings and demand clubs		25,268		22,752
Money markets		87,113		62,767
Certificates of deposit and retirement accounts		62,291		67,355
	$	238,128	$	210,571

Schedule of maturities of certificates of deposit and retirement accounts.

At September 30, 2025, certificates of deposit and retirement accounts had scheduled maturities as follows (dollars in thousands):

	September 30,
	2025
	Unaudited
2025	$	15,085
2026		32,763
2027		8,819
2028		3,967
2029		1,465
Thereafter		192
	$	62,291

Schedule of interest expense on deposits

	Three Months Ended September 30,
	2025		2024
	Unaudited
	(Dollars in Thousands)
NOW accounts	$	7	$	5
Regular savings and demand clubs		34		4
Money markets		644		343
Certificates of deposit and retirement accounts		512		606
	$	1,197	$	958

	Nine Months Ended September 30,
	2025		2024
	(Dollars in Thousands)
NOW accounts	$	19	$	17
Regular savings and demand clubs		85		11
Money markets		1,483		1,045
Certificates of deposit and retirement accounts		1,532		1,836
	$	3,119	$	2,909