CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 172,000	$ 712,000
Adjustments to reconcile net income to net cash flow from operating activities:
Depreciation and amortization	560,000	530,000
Provision for credit losses	841,000	306,000
Net amortization of premiums and discounts on securities	(93,000)	80,000
Gain on sale of residential mortgage loans	(136,000)	(87,000)
Proceeds from sale of residential mortgage loans	8,365,000	4,969,000
Loans originated and sold	(8,229,000)	(4,882,000)
Deferred income tax (benefit) expense	(26,000)	94,000
Gain on sale of fixed assets		(6,000)
Amortization of deferred loan fees	262,000	70,000
ESOP compensation expense	84,000	24,000
Stock based compensation expense	61,000	74,000
Earnings on investment in bank owned life insurance	(105,000)	(26,000)
Net change in accrued interest receivable	(232,000)	(89,000)
Net change in other assets	(416,000)	(165,000)
Change in pension assets	(374,000)	(402,000)
Net change in other liabilities	4,033,000	513,000
Net cash flow provided by operating activities	4,767,000	1,715,000
Activity in securities available-for-sale:
Proceeds from calls and maturities	24,990,000	555,000
Principal repayments	2,163,000	844,000
Purchases	(28,557,000)	(12,883,000)
Purchase of annuity contract	(1,091,000)
Purchase of Federal Home Loan Bank of New York stock	(1,041,000)	(1,250,000)
Redemption of Federal Home Loan Bank of New York stock	1,130,000	887,000
Purchase of Federal Reserve Bank stock	(135,000)
Redemption of Federal Reserve Bank stock	4,000
Loan originations and principal collections, net	(24,684,000)	(5,897,000)
Purchases of premises and equipment	(4,797,000)	(3,317,000)
Net cash flow used in investing activities	(32,018,000)	(21,061,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in deposits	23,855,000	16,858,000
Change in advances from borrowers for taxes and insurance	40,000	(37,000)
Purchase of treasury stock		(70,000)
Payments on acquisition contingent consideration	(156,000)	(290,000)
Repayment of long-term FHLB advances	(63,000,000)	(6,000,000)
Proceeds from long-term FHLB advances	57,314,000	11,753,000
Net proceeds from stock offering and conversion	8,565,000
Issuance and exchange of common stock	9,000
Purchase of ESOP shares	(836,000)
Net cash flow provided by financing activities	25,791,000	22,214,000
Net change in cash and cash equivalents	(1,460,000)	2,868,000
CASH AND CASH EQUIVALENTS - beginning of the period	6,788,000	3,920,000
CASH AND CASH EQUIVALENTS - end of the period	5,328,000	6,788,000
Cash paid for:
Interest on deposits and borrowed funds	5,780,000	5,213,000
Income taxes	$ 20,000	101,000
SUPPLEMENTAL NONCASH DISCLOSURES
Purchase of treasury stock		$ (70,000)