CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 2,509	$ 2,456
Interest-earning deposits	6,191	2,872
Cash and cash equivalents	8,700	5,328
Securities, available-for-sale, net of allowance for credit losses of $666 and $518	36,654	48,635
Loans, net of allowance for credit losses of $1,882 and $1,915	238,024	226,030
Federal Home Loan Bank of New York stock, at cost	3,337	3,272
Federal Reserve Bank stock, at cost	270	131
Assets held-for-sale, at fair value (see Note 1)	1,148
Premises and equipment, net	12,722	13,190
Bank-owned life insurance	2,874	2,793
Pension assets	8,005	8,005
Accrued interest receivable	1,507	1,479
Intangible assets (see Note 1)		428
Goodwill (see Note 1)		412
Other assets	2,396	2,411
Total assets	315,637	312,114
Deposits:
Noninterest bearing	37,653	32,221
Interest-bearing	206,826	202,205
Total deposits	244,479	234,426
Federal Home Loan Bank advances	34,729	35,567
Advances from borrowers for taxes and insurance	1,383	2,389
Other liabilities	2,755	6,981
Total liabilities	283,346	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, 1,805,132 and 1,800,141 shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively	18	18
Additional paid-in capital	15,296	15,187
Retained earnings	22,678	22,549
Unearned ESOP shares, at cost	(1,312)	(1,357)
Accumulated other comprehensive loss	(4,389)	(3,646)
Total stockholders' equity	32,291	32,751
Total liabilities and stockholders' equity	$ 315,637	$ 312,114