CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 1,989	$ 2,892
Federal funds sold and interest-bearing deposits in other banks	113,647	85,301
Cash and cash equivalents	115,636	88,193
Certificates of deposit held for investment	7,540	7,540
Securities available for sale, at fair value	18,842	12,906
Securities held to maturity (fair value of $23,457 and $26,158 at March 31, 2020 and December 31, 2019, respectively)	22,737	25,960
Mortgage loans held for sale, at fair value	21,996	10,910
Loans receivable	635,950	645,685
Allowance for loan losses	(7,918)	(7,138)
Loans, net	628,032	638,547
Real estate acquired through foreclosure	1,684	2,387
Restricted stock investments	2,299	2,431
Premises and equipment, net	21,731	22,144
Accrued interest receivable	2,275	2,458
Deferred income taxes	1,691	1,748
Bank owned life insurance	5,414	5,377
Goodwill	1,104	1,104
Other assets	6,374	5,214
Total assets	857,355	826,919
Deposits:
Noninterest bearing	165,090	122,901
Interest-bearing	525,122	538,148
Total deposits	690,212	661,049
Long-term borrowings	35,000	35,000
Subordinated debentures	20,619	20,619
Accrued expenses and other liabilities	5,803	4,779
Total liabilities	751,634	721,447
Stockholders' Equity:
Common stock, $0.01 par value, 20,000,000 shares authorized; 12,812,976 and 12,810,926 shares issued and outstanding at March 31, 2020 and December 31, 2019, respectively	128	128
Additional paid-in capital	65,992	65,944
Retained earnings	39,497	39,445
Accumulated other comprehensive income (loss)	104	(45)
Total stockholders' equity	105,721	105,472
Total liabilities and stockholders' equity	$ 857,355	$ 826,919