CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 2,892	$ 2,880
Federal funds sold and interest-bearing deposits in other banks	85,301	185,460
Cash and cash equivalents	88,193	188,340
Certificates of deposit held for investment	7,540	8,780
Securities available for sale, at fair value	12,906	11,978
Securities held to maturity (fair value of $26,158 and $38,212 at December 31, 2019 and 2018, respectively)	25,960	38,912
Mortgage loans held for sale, at fair value	10,910	9,686
Loans receivable	645,685	682,349
Allowance for loan losses	(7,138)	(8,044)
Loans, net	638,547	674,305
Real estate acquired through foreclosure	2,387	1,537
Restricted stock investments	2,431	3,766
Premises and equipment, net	22,144	22,745
Accrued interest receivable	2,458	2,848
Deferred income taxes	1,748	2,363
Bank owned life insurance	5,377	5,225
Goodwill	1,104	1,104
Other assets	5,214	2,644
Total assets	826,919	974,233
Deposits:
Noninterest bearing	122,901	146,604
Interest-bearing	538,148	632,902
Total deposits	661,049	779,506
Long-term borrowings	35,000	73,500
Subordinated debentures	20,619	20,619
Accrued expenses and other liabilities	4,779	2,155
Total liabilities	721,447	875,780
Stockholders' Equity:
Common stock, $0.01 par value, 20,000,000 shares authorized; 12,810,926 and 12,759,576 shares issued and outstanding at December 31, 2019 and 2018, respectively	128	128
Additional paid-in capital	65,944	65,538
Retained earnings	39,445	32,860
Accumulated other comprehensive loss	(45)	(73)
Total stockholders' equity	105,472	98,453
Total liabilities and stockholders' equity	$ 826,919	$ 974,233