CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 43,000	$ (48,000)
Adjustments to reconcile net income to net cash flow from operating activities:
Depreciation and amortization	367,000	265,000
Provision for credit losses	240,000	621,000
Net amortization of premiums and discounts on securities	91,000	(52,000)
Gain on sale of residential mortgage loans	(49,000)	(65,000)
Proceeds from sale of residential mortgage loans	3,481,000	4,618,000
Loans originated and sold	(3,432,000)	(4,554,000)
Deferred income tax expense (benefit)	117,000	(47,000)
Gain on sale of premises and equipment	(6,000)
Proceeds from sale of premises and equipment	20,000
Amortization of deferred loan fees	87,000	41,000
ESOP compensation expense	30,000	9,000
Stock-based compensation expense	73,000	32,000
Earnings on investment in bank-owned life insurance	(53,000)	(52,000)
Net change in accrued interest receivable	(33,000)	(123,000)
Net change in other assets	40,000	(837,000)
Net change in other liabilities	(299,000)	233,000
Net cash flow provided by operating activities	717,000	41,000
Activity in securities available-for-sale:
Proceeds from calls and maturities	11,606,000	10,230,000
Principal repayments	1,521,000	312,000
Purchases		(12,725,000)
Redemption of Federal Home Loan Bank of New York stock	1,081,000	763,000
Purchase of Federal Home Loan Bank of New York stock	(1,163,000)	(855,000)
Purchase of Federal Reserve Bank stock	(139,000)
Loan originations and principal collections, net	(10,859,000)	(7,829,000)
Purchases of premises and equipment	(394,000)	(1,958,000)
Net cash flow provided by (used in) investing activities	1,653,000	(12,062,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in deposits	559,000	18,246,000
Change in advances from borrowers for taxes and insurance	831,000	659,000
Payments on acquisition contingent consideration		(156,000)
Repayment of long-term FHLB advances	(5,814,000)	(14,500,000)
Proceeds from long-term FHLB advances	5,876,000	13,814,000
Change in short-term FHLB advances	(1,000,000)
Net cash flow provided by financing activities	452,000	18,063,000
Net change in cash and cash equivalents	2,822,000	6,042,000
CASH AND CASH EQUIVALENTS - beginning of the period	5,328,000	6,788,000
CASH AND CASH EQUIVALENTS - end of the period	8,150,000	12,830,000
Cash paid for:
Interest on deposits and borrowed funds	2,723,000	2,715,000
Income taxes	$ 54,000	$ 7,000