CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 2,159	$ 2,456
Interest-earning deposits	5,047	2,872
Cash and cash equivalents	7,206	5,328
Securities, available-for-sale, net of allowance for credit losses of $518 and $518	43,031	48,635
Loans, net of allowance for credit losses of $2,001 and $1,915	233,334	226,030
Federal Home Loan Bank of New York stock, at cost	3,254	3,272
Federal Reserve Bank stock, at cost	270	131
Premises and equipment, net	13,211	13,190
Bank-owned life insurance	2,820	2,793
Pension assets	8,005	8,005
Accrued interest receivable	1,603	1,479
Intangible assets	389	428
Goodwill	412	412
Other assets	2,327	2,411
Total assets	315,862	312,114
Deposits:
Noninterest bearing	33,017	32,221
Interest-bearing	207,836	202,205
Total deposits	240,853	234,426
Federal Home Loan Bank advances	34,567	35,567
Advances from borrowers for taxes and insurance	1,938	2,389
Other liabilities	5,946	6,981
Total liabilities	283,304	279,363
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 shares issued and outstanding at March 31, 2026 and December 31, 2025	18	18
Additional paid-in capital	15,225	15,187
Retained earnings	22,499	22,549
Unearned ESOP shares, at cost	(1,342)	(1,357)
Accumulated other comprehensive loss	(3,842)	(3,646)
Total stockholders' equity	32,558	32,751
Total liabilities and stockholders' equity	$ 315,862	$ 312,114