CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 1,740	$ 2,456
Interest-earning deposits	6,410	2,872
Cash and cash equivalents	8,150	5,328
Securities, available-for-sale, net of allowance for credit losses of $666 and $518	35,116	48,635
Loans, net of allowance for credit losses of $1,847 and $1,915	236,710	226,030
Federal Home Loan Bank of New York stock, at cost	3,354	3,272
Federal Reserve Bank stock, at cost	270	131
Premises and equipment, net	13,281	13,190
Bank-owned life insurance	2,846	2,793
Pension assets	8,005	8,005
Accrued interest receivable	1,512	1,479
Intangible assets	350	428
Goodwill	412	412
Other assets	2,371	2,411
Total assets	312,377	312,114
Deposits:
Noninterest bearing	32,436	32,221
Interest-bearing	202,549	202,205
Total deposits	234,985	234,426
Federal Home Loan Bank advances	34,629	35,567
Advances from borrowers for taxes and insurance	3,220	2,389
Other liabilities	6,767	6,981
Total liabilities	279,601	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, 1,800,435 and 1,800,141 shares issued and outstanding at June 30, 2026 and December 31, 2025, respectively	18	18
Additional paid-in capital	15,260	15,187
Retained earnings	22,592	22,549
Unearned ESOP shares, at cost	(1,327)	(1,357)
Accumulated other comprehensive loss	(3,767)	(3,646)
Total stockholders' equity	32,776	32,751
Total liabilities and stockholders' equity	$ 312,377	$ 312,114