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Consolidated Statements of Cash Flows - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Cash flows from operating activities    
Net income $ 4,073,000 $ 9,393,000
Adjustments to reconcile net income to net cash from operating activities    
Provision for credit losses - loans 5,081,000 395,000
Recovery of credit losses - unfunded commitments (56,000) (82,000)
Depreciation and amortization 163,000 1,541,000
Net change in net deferred loan origination costs 467,000 (86,000)
Losses on sales of securities [1] 0 454,000
Valuation adjustment on bank premises held-for-sale [1] (0) 602,000
Loss (gain) on disposal of premises and equipment 124,000 (9,000)
Loss on sale of foreclosed assets 266,000 15,000
Foreclosed assets write-down 516,000 70,000
Foreclosed assets valuation adjustments 0 111,000
Loss on bank-owned life insurance 168,000 346,000
Gain on redemption of Subordinated notes [1] (107,000) 0
Net change in:    
Deferred income tax 26,000 347,000
Accrued interest receivable 1,141,000 (204,000)
Other assets (187,000) 1,849,000
Accrued interest payable and other liabilities (4,111,000) (5,521,000)
Net cash from operating activities 7,564,000 9,221,000
Cash flows (used in) from investing activities    
Proceeds from maturities of interest-bearing time deposits in other financial institutions 40,423,000 2,480,000
Purchases of interest-bearing time deposits in other financial institutions (45,066,000) (29,760,000)
Proceeds from maturities 327,180,000 30,015,000
Proceeds from principal repayments 642,000 765,000
Proceeds from sale of securities 0 42,631,000
Purchases of securities (525,928,000) (18,150,000)
Net change in loans receivable 157,410,000 170,764,000
Proceeds from sale of foreclosed assets 760,000 362,000
Proceeds from sale of premises and equipment 537,000 690,000
Purchase of premises and equipment, net (2,095,000) (1,874,000)
Net cash (used in) from investing activities (46,137,000) 197,923,000
Cash flows used in financing activities    
Deposits (44,082,000) (113,311,000)
Advance payments by borrowers for taxes and insurance 48,000 329,000
Proceeds from Federal Home Loan Bank advances 0 35,000,000
Repayments of Federal Home Loan Bank advances (5,000,000) (10,000,000)
Proceeds from repurchase of Subordinated notes (906,000) 0
Repurchase and retirement of common stock (156,000) (2,393,000)
Cash dividends paid on common stock (4,986,000) (5,056,000)
Net cash used in financing activities (55,082,000) (95,431,000)
Net change in cash and cash equivalents (93,655,000) 111,713,000
Beginning cash and cash equivalents 178,484,000 66,771,000
Ending cash and cash equivalents 84,829,000 178,484,000
Supplemental disclosures of cash flow information:    
Interest paid 20,130,000 14,077,000
Income taxes paid 1,973,000 3,290,000
Income taxes refunded 4,000 22,000
Assets transferred to premises held-for-sale 0 1,799,000
Loans transferred to foreclosed assets 156,000 2,859,000
Due from broker 0 4,500,000
Recording of right of use asset in exchange for lease obligations in other assets and other liabilities $ 592,000 $ 1,354,000
[1] Not within the scope of ASC 606