CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income	$ (50,000)	$ 148,000
Adjustments to reconcile net income to net cash flow from operating activities:
Depreciation and amortization	180,000	132,000
Provision for credit losses	120,000	110,000
Net amortization of premiums and discounts on securities	48,000	(43,000)
Gain on sale of residential mortgage loans	(24,000)	(33,000)
Proceeds from sale of residential mortgage loans	1,302,000	2,650,000
Loans originated and sold	(1,278,000)	(2,617,000)
Deferred income tax benefit	(19,000)	(40,000)
Gain on sale of premises and equipment	(6,000)
Proceeds from sale of premises and equipment	20,000
Amortization of deferred loan fees	85,000	40,000
ESOP compensation expense	15,000	5,000
Stock-based compensation expense	38,000	16,000
Earnings on investment in bank-owned life insurance	(27,000)	(26,000)
Net change in accrued interest receivable	(124,000)	(100,000)
Net change in other assets	84,000	(338,000)
Net change in other liabilities	(964,000)	(315,000)
Net cash flow used in operating activities	(600,000)	(411,000)
Activity in securities available-for-sale:
Proceeds from calls and maturities	4,470,000	10,015,000
Principal repayments	838,000	166,000
Purchases		(6,938,000)
Purchase of Federal Home Loan Bank of New York stock	(468,000)	(391,000)
Purchase of Federal Reserve Bank stock	(139,000)
Redemption of Federal Reserve Bank stock	486,000	630,000
Loan originations and principal collections, net	(7,509,000)	(1,995,000)
Purchases of premises and equipment	(176,000)	(908,000)
Net cash flow (used in) provided by investing activities	(2,498,000)	579,000
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in deposits	6,427,000	6,681,000
Change in advances from borrowers for taxes and insurance	(451,000)	(575,000)
Payments on acquisition contingent consideration		(45,000)
Repayment of long-term FHLB advances		(13,500,000)
Proceeds from long-term FHLB advances		7,000,000
Change in short-term FHLB advances	(1,000,000)
Net cash flow provided by (used in) financing activities	4,976,000	(439,000)
Net change in cash and cash equivalents	1,878,000	(271,000)
CASH AND CASH EQUIVALENTS - beginning of the period	5,328,000	6,788,000
CASH AND CASH EQUIVALENTS - end of the period	7,206,000	6,517,000
Cash paid for:
Interest on deposits and borrowed funds	1,389,000	1,279,000
Income taxes	$ 4,000	$ 1,000