DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2026

DEPOSITS.

Schedule of components of deposits

	At September 30,		At December 31,
(In thousands)	2026		2025
Demand deposits	$	37,653	$	32,221
NOW accounts		28,239		27,801
Regular savings and demand clubs		22,854		25,662
Money markets		79,120		86,420
Certificates of deposit and retirement accounts		76,613		62,322
	$	244,479	$	234,426

Schedule of maturities of certificates of deposit and retirement accounts.

(In thousands)	At September 30, 2026
2026	$	18,316
2027		45,513
2028		4,929
2029		4,069
2030		3,359
Thereafter		427
	$	76,613

Schedule of interest expense on deposits

	Three Months Ended September 30,
(In thousands)	2026		2025
NOW accounts	$	7	$	7
Regular savings and demand clubs		12		34
Money markets		498		644
Certificates of deposit and retirement accounts		556		512
	$	1,073	$	1,197

	Nine Months Ended September 30,
(In thousands)	2026		2025
NOW accounts	$	19	$	19
Regular savings and demand clubs		48		85
Money markets		1,678		1,483
Certificates of deposit and retirement accounts		1,469		1,532
	$	3,214	$	3,119