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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities    
Net income (loss) $ 1,409,967 $ (1,240,419)
Adjustments to reconcile net income (loss) to net cash used for operating activities:    
Amortization of intangible assets 86,989 44,375
Provision (recovery) for credit losses (130,000) 70,000
Depreciation of premises and equipment 300,308 377,301
Amortization of deferred loan costs, net 126,840 183,775
Amortization of premiums and accretion of discounts on securities, net 49,996 17,337
Deferred tax benefit (691,489) (1,171,476)
Gain on sale of loans (37,830) (11,710)
Proceeds from sale of loans (1,932,899) 445,393
Origination of loans held for sale 1,970,729 (433,683)
Increase in cash surrender value of bank owned life insurance (669,356) (648,137)
Proceeds from BOLI death benefit (543,000) 0
Employee stock ownership plan expense 153,111 141,314
Stock based compensation 672,050 668,084
Changes in:    
Accrued interest receivable (79,679) (420,182)
Net changes in other assets 2,297,646 65,402
Net changes in other liabilities (786,818) 394,731
Net cash used for operating activities 2,196,565 (1,517,895)
Cash flows from investing activities    
Purchases of securities held to maturity 0 (10,645,873)
Purchases of securities available for sale (49,741,180) (44,228,923)
Maturities, calls, and repayments of securities available for sale 32,235,024 7,367,482
Maturities, calls, and repayments of securities held to maturity 0 3,090,299
Purchase of loan pool 0 (10,391,872)
Investment in limited partnership (2,500,000) 0
Net decrease in loans 42,419,158 16,621,983
Purchases of premises and equipment (51,587) (542,991)
Purchase of FHLB stock (3,589,400) (7,450,900)
Redemption of FHLB stock 5,933,000 5,886,900
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation 24,705,015 (40,293,895)
Cash flows from financing activities    
Net (decrease) increase in deposits 4,565,003 3,920,595
Net decrease in short-term FHLB advances 5,500,000 16,000,000
Proceeds from long-term FHLB non-repo advances 0 0
Repayments of long-term FHLB non-repo advances (58,263,605) 18,875,947
Repurchase of common stock (42,329) (1,419,403)
Issuance of common stock 0 100
Net increase in advance payments from borrowers for taxes and insurance 355,944 507,600
Net cash (used for) provided by financing activities (47,884,987) 37,884,839
Net decrease in cash and cash equivalents (20,983,407) (3,926,951)
Cash and cash equivalents at beginning of year 52,232,208 24,929,471
Cash and cash equivalents at September 30, 31,248,801 21,002,520
Supplemental cash flow information    
Income taxes paid 100,000 40,000
Interest paid 20,874,404 23,103,379
Fair value change in fair value hedges, net 25,185 (544,702)
Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member]    
Supplemental cash flow information    
Fair value change in cash flow hedges $ (839,043) $ (583,606)