CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 137,000	$ 610,000
Adjustments to reconcile net income (loss) to net cash flow from operating activities:
Depreciation and amortization	400,000	391,000
Provision for credit losses	701,000	15,000
Net amortization of premiums and discounts on securities	(103,000)	93,000
Gain on sale of residential mortgage loans	(128,000)	(73,000)
Proceeds from sale of residential mortgage loans	7,936,000	4,224,000
Loans originated and sold	(7,808,000)	(4,152,000)
Deferred income tax benefit	(79,000)
Loss (gain) on sale of fixed assets		(6,000)
Amortization of deferred loan fees	156,000	52,000
Employee Stock Ownership Plan (ESOP), compensation expense	13,401	18,113
Stock based compensation expense	46,000	63,000
Earnings on investment in bank owned life insurance	(78,000)	(26,000)
Increase in accrued interest receivable	(322,000)	(125,000)
Increase in other assets	(1,172,000)	(323,000)
Purchase of annuity contract	(1,094,000)
Increase in other liabilities	9,397,000	179,000
Net cash flow provided by operating activities	8,002,000	940,000
Activity in securities available-for-sale:
Proceeds from calls and maturities	14,245,000	50,000
Principal repayments	468,000	655,000
Purchases	(24,705,000)
Purchase of Federal Home Loan Bank of New York stock	(978,000)	(1,068,000)
REPLACED WITH US GAAP Redemption of Federal Home Loan Bank of New York stock	811,000	825,000
Loan originations and principal collections, net	(13,246,000)	(6,153,000)
Purchases of premises and equipment	(2,657,000)	(2,460,000)
Net cash flow used in investing activities	(26,062,000)	(8,151,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in deposits	27,557,000	8,986,000
Increase in advances from borrowers for taxes and insurance	(1,149,000)	(1,038,000)
Purchase of treasury stock		(70,000)
Payments on acquisition contingent consideration	(156,000)	(135,000)
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 provided by financing activities	25,566,000	10,438,000
Net change in cash and cash equivalents	7,506,000	3,227,000
CASH AND CASH EQUIVALENTS - beginning of the period	6,788,000	3,920,000
CASH AND CASH EQUIVALENTS - end of the period	14,294,000	7,147,000
SUPPLEMENTAL CASH FLOW INFORMATION
Interest on deposits and borrowed funds	4,268,000	3,937,000
Income taxes	$ 7,000	$ 101,000