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Consolidated Statements of Operations (Unaudited) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest income        
Loans, including fees $ 8,213,734 $ 8,381,581 $ 25,108,786 $ 24,888,377
Securities        
Taxable 2,099,657 1,884,276 5,873,411 5,247,336
Tax-exempt 2,892 13,137 8,681 39,409
Other interest-earning assets 311,250 341,268 1,065,408 980,536
Total interest income 10,627,533 10,620,262 32,056,286 31,155,658
Interest expense        
Deposits 5,624,968 6,160,547 16,911,430 18,384,323
FHLB advances 1,108,526 1,802,387 3,962,974 4,719,056
Total interest expense 6,733,494 7,962,934 20,874,404 23,103,379
Net interest income 3,894,039 2,657,328 11,181,882 8,052,279
Provision (recovery) for credit losses (50,000) 0 (130,000) 70,000
Net interest income after (recovery) provision for credit losses 3,944,039 2,657,328 11,311,882 7,982,279
Non-interest income        
Fees and service charges 59,703 56,610 175,277 164,400
Gain on sale of loans 0 11,710 37,830 11,710
Bank-owned life insurance 221,733 221,122 1,212,356 648,137
Other 39,902 37,943 116,957 105,420
Total non-interest income 321,338 327,385 1,542,420 929,667
Non-interest expense        
Salaries and employee benefits 2,023,727 2,102,993 6,163,868 6,404,946
Occupancy and equipment 639,570 380,714 1,951,483 1,118,739
FDIC insurance assessment 98,438 106,313 308,958 313,626
Data processing 293,200 306,167 913,931 928,292
Advertising 10,350 85,750 131,850 310,950
Director fees 154,122 159,851 484,378 467,100
Professional fees 361,620 248,420 932,714 682,517
Other 156,897 214,686 564,914 747,598
Total non-interest expense 3,737,924 3,604,894 11,452,096 10,973,768
Income (loss) before income taxes 527,453 (620,181) 1,402,206 (2,061,822)
Income tax expense (benefit) 72,828 (253,221) (7,761) (821,403)
Net income (loss) $ 454,625 $ (366,960) $ 1,409,967 $ (1,240,419)
Earnings (loss) per Share - basic (in dollars per share) $ 0.04 $ (0.03) $ 0.11 $ (0.1)
Earnings (loss) per Share - diluted (in dollars per share) $ 0.04 $ (0.03) $ 0.11 $ (0.1)
Weighted average shares outstanding - basic (in shares) 12,637,950 12,702,683 12,641,128 12,702,683
Weighted average shares outstanding - diluted (in shares) 12,650,192 12,702,683 12,642,660 12,702,683