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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Operating Activities    
Net income $ 2,785,291 $ 1,968,310
Adjustments to reconcile net income to net cash provided by operating activities    
Provision for credit losses 693,094 731,095
Depreciation and amortization 223,805 219,488
Deferred income tax 2 (117,847)
Stock based compensation 87,493 363,459
Investment securities amortization, net 192,211 198,201
Net gains on loan and lease sales (173,072) (95,105)
Accretion of loan origination fees (211,704) (211,416)
Amortization of mortgage-servicing rights 63,807 49,954
ESOP shares expense 187,751 178,483
Increase in cash surrender value of life insurance (24,728) (23,057)
Loans originated for sale (7,382,576) (5,256,050)
Proceeds on loans sold 7,389,576 4,551,455
Net change in    
Interest receivable 124,805 (29,804)
Other assets 122,873 658,752
Other liabilities (497,999) 124,235
Interest payable (795,059) (1,129,473)
Net cash provided by operating activities 2,785,570 2,180,680
Investing Activities    
Net change in interest-bearing time deposits (750,000) 0
Purchases of securities available for sale (955,025) (1,025,982)
Proceeds from maturities and paydowns of securities available for sale 4,037,098 4,534,320
Proceeds from maturities and paydowns of securities held to maturity 395,000 565,159
Net change in loans 2,311,524 (16,039,372)
Proceeds from sales of real estate owned 43,502 0
Purchases of premises and equipment (324,561) (75,973)
Net cash provided by (used in) investing activities 4,757,538 (12,041,848)
Net change in    
Demand and savings deposits 4,832,914 256,508
Certificates of deposit (13,360,813) 11,465,940
Advances by borrowers for taxes and insurance 117,488 139,959
Repayment of other borrowings (12,000,000) 0
Proceeds from FHLB advances 73,000,000 112,000,000
Repayment of FHLB advances (57,000,000) (103,000,000)
Repurchase of common stock 0 (4,233,622)
Dividends paid (1,464,950) (1,492,715)
Net cash (used in) provided by financing activities (5,875,361) 15,136,070
Net Change in Cash and Cash Equivalents 1,667,747 5,274,902
Cash and Cash Equivalents, Beginning of Period 33,130,494 21,757,190
Cash and Cash Equivalents, End of Period 34,798,241 27,032,092
Additional Cash Flows and Supplementary Information    
Interest paid 10,511,037 11,739,428
Transfers from loans to other real estate owned $ 0 $ 0