CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 2,456	$ 1,759
Interest-earning deposits	2,872	5,029
Cash and cash equivalents	5,328	6,788
Securities, available-for-sale, net of allowance for credit losses of $518 and $498	48,635	46,484
Loans, net of allowance for credit losses of $1,915 and $1,804	226,030	202,429
Federal Home Loan Bank of New York stock, at cost	3,272	3,361
Federal Reserve Bank stock, at cost	131
Premises and equipment, net	13,190	8,797
Bank owned life insurance	2,793	2,688
Pension assets	8,005	7,245
Accrued interest receivable	1,479	1,247
Intangible assets	428	584
Goodwill	412	412
Other assets	2,411	904
Total assets	312,114	280,939
Deposits:
Noninterest bearing	32,221	30,639
Interest-bearing	202,205	179,932
Total deposits	234,426	210,571
Federal Home Loan Bank advances	35,567	41,253
Advances from borrowers for taxes and insurance	2,389	2,349
Other liabilities	6,981	2,908
Total liabilities	279,363	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, 1,800,141 and 1,780,188 shares issued and outstanding at December 31, 2025 and December 31, 2024	18	9
Additional paid-in capital	15,187	8,118
Treasury stock, at cost (0 shares at December 31, 2025 and 159,442 shares at December 31, 2024)		(1,557)
Retained earnings	22,549	22,377
Unearned ESOP shares, at cost	(1,357)	(605)
Accumulated other comprehensive loss	(3,646)	(4,484)
Total stockholders' equity	32,751	23,858
Total liabilities and stockholders' equity	$ 312,114	$ 280,939