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DEPOSITS
12 Months Ended
Dec. 31, 2025
DEPOSITS.  
DEPOSITS

6. DEPOSITS

Deposits, by deposit type, are summarized as follows:

​

​

​

​

​

​

​

​

​

​

At December 31, 

(In thousands)

​

2025

​

2024

​

  ​ ​ ​

​

Demand deposits

​

$

32,221

​

$

30,639

NOW accounts

​

 

27,801

​

 

27,058

Regular savings and demand clubs

​

 

25,662

​

 

22,752

Money markets

​

 

86,420

​

 

62,767

Certificates of deposit and retirement accounts

​

 

62,322

​

 

67,355

​

​

$

234,426

​

$

210,571

​

Scheduled maturities of certificates of deposit and retirement accounts are summarized as follows:

​

​

​

​

​

​

​

​

​

​

​

(In thousands)

  ​ ​ ​

At December 31, 2025

​

​

​

​

2026

​

$

47,194

2027

​

 

9,390

2028

​

 

4,018

2029

​

 

1,480

2030

​

 

240

Thereafter

​

 

—

​

​

$

62,322

​

The aggregate amount of time deposits in denominations of $250,000 or more were $38.1 million and $38.3 million including broker deposits of  $16.7 million and $16.9 million at December 31, 2025 and 2024, respectively. Under the Dodd-Frank Act, deposit insurance per account owner is $250,000.

Interest expense on deposits for the years ended December 31, 2025 and 2024 are as follows:

​

​

​

​

​

​

​

​

​

​

Year Ended December 31, 

(In thousands)

  ​ ​ ​

2025

  ​ ​ ​

2024

​

​

​

NOW accounts

​

$

25

​

$

24

Regular savings and demand clubs

​

 

110

​

 

20

Money markets

​

 

2,159

​

 

1,407

Certificates of deposit and retirement accounts

​

 

2,017

​

 

2,386

​

​

$

4,311

​

$

3,837

​

Related party deposits for the years ended December 31, 2025, and 2024 were $1.5 million and $1.3 million, respectively.