CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net loss from continuing operations	$ (32,000)	$ (40,000)
Net income from discontinued operations	161,000	177,000
Adjustments to reconcile net income to net cash flow from operating activities:
Depreciation and amortization	550,000	400,000
Impairment of long-lived assets	262,000
Provision for credit losses	340,000	701,000
Net amortization of premiums and discounts on securities	121,000	(103,000)
Gain on sale of residential mortgage loans	(48,000)	(128,000)
Proceeds from sale of residential mortgage loans	3,610,000	7,936,000
Loans originated and sold	(3,562,000)	(7,808,000)
Deferred income tax benefit	(12,000)	(79,000)
Gain on sale of premises and equipment	(6,000)
Proceeds from sale of premises and equipment	20,000
Amortization of deferred loan fees	171,000	156,000
ESOP compensation expense	45,000	14,000
Stock-based compensation expense	109,000	46,000
Earnings on investment in bank-owned life insurance	(81,000)	(78,000)
Net change in accrued interest receivable	(28,000)	(322,000)
Net change in other assets	15,000	(2,267,000)
Net change in other liabilities	(4,017,000)	9,397,000
Net cash flow (used by) provided by operating activities	(2,382,000)	8,002,000
Activity in securities available-for-sale:
Proceeds from calls and maturities	13,112,000	14,245,000
Principal repayments	2,175,000	468,000
Purchases	(4,515,000)	(24,705,000)
Purchase of Federal Home Loan Bank of New York stock	(1,263,000)	(978,000)
Redemption of Federal Home Loan Bank of New York stock	1,198,000	811,000
Purchase of Federal Reserve Bank stock	(139,000)
Loan originations and principal collections, net	(12,357,000)	(13,246,000)
Purchases of premises and equipment	(666,000)	(2,657,000)
Net cash flow used in investing activities	(2,455,000)	(26,062,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in deposits	10,053,000	27,557,000
Change in advances from borrowers for taxes and insurance	(1,006,000)	(1,149,000)
Payments on acquisition contingent consideration		(156,000)
Repayment of long-term FHLB advances	(7,814,000)	(14,500,000)
Proceeds from long-term FHLB advances	7,976,000	13,814,000
Change in short-term FHLB advances	(1,000,000)
Net cash flow provided by financing activities	8,209,000	25,566,000
Net change in cash and cash equivalents	3,372,000	7,506,000
CASH AND CASH EQUIVALENTS - beginning of the period	5,328,000	6,788,000
CASH AND CASH EQUIVALENTS - end of the period	8,700,000	14,294,000
Cash paid for:
Interest on deposits and borrowed funds	2,663,000	4,268,000
Income taxes	$ 108,000	$ 7,000