Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024	Mar. 31, 2023
Cash flows from operating activities:
Net income		$ 1,318	$ 1,634
Adjustments to reconcile net income to cash provided (used) by operating activities:
Provision for credit losses	[1]	(209)	(8)
Depreciation		271	282
Amortization of premiums, net		72	194
Amortization of deferred loan fees		(25)	(60)
Amortization of mortgage servicing rights and servicing costs		208	199
Capitalized mortgage servicing rights		(130)	(91)
Gains recognized on equity securities, net		(11)	(41)
Gains on sale of premises and equipment		0	(1)
Gain on sales of loans		(294)	(295)
Proceeds from sale of loans held for sale		15,173	11,300
Disbursements on loans held for sale		(15,552)	(9,718)
Amortization of restricted stock awards		49	54
Amortization of unearned Employee Stock Ownership Plan shares		49	49
Earned Employee Stock Ownership Plan shares priced above original cost		58	58
Increase in accrued interest receivable		(121)	(196)
Increase in accrued interest payable		1,331	751
(Increase) decrease in other assets		(252)	283
Decrease in other liabilities		(462)	(5,399)
Other, net		2	0
Net cash provided (used) by operating activities		1,475	(1,005)
Cash flows from investing activities:
Principal collected on securities available for sale		8,400	8,976
Proceeds collected on maturities of securities available for sale		15,000	0
Purchases of securities available for sale		(15,000)	0
Purchase of Federal Home Loan Bank stock		(7)	(1,546)
Redemption of Federal Home Loan Bank stock		594	1,421
Net increase in loans receivable		(13,086)	(10,437)
Proceeds from sale of premises		0	35
Purchases of premises and equipment		(52)	(291)
Net cash used by investing activities		(4,151)	(1,842)
Cash flows from financing activities:
Increase (decrease) in deposits		54,125	(23,608)
Stock awards withheld for tax withholding		(1)	(64)
Dividends to stockholders		(348)	(261)
Proceeds from borrowings		0	37,820
Repayment of borrowings		(13,200)	(35,520)
Increase (decrease) in customer escrows		1,179	(1,659)
Net cash provided (used) by financing activities		41,755	(23,292)
Increase (decrease) in cash and cash equivalents		39,079	(26,139)
Cash and cash equivalents, beginning of period		11,151	36,259
Cash and cash equivalents, end of period		50,230	10,120
Supplemental cash flow disclosures:
Cash paid for interest		3,411	1,099
Cash paid for income taxes		813	0
Supplemental noncash flow disclosures:
Loans transferred to loans held for sale		$ 2,452	$ 555

[1] The Company adopted Accounting Standard Update (ASU) 2016-13 as of January 1, 2023. The 2022 amount presented is calculated under the prior accounting standard.