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Consolidated Balance Sheets - USD ($)
Jun. 30, 2025
Dec. 31, 2024
Assets    
Cash and Due from Banks $ 5,727,000 $ 5,850,000
Interest-Bearing Deposits at Other Financial Institutions 21,967,000 32,066,000
Total Cash and Cash Equivalents 27,694,000 37,916,000
Investment Securities Available-for-Sale, at Fair Value (amortized cost $106,798 and $101,712 respectively) 100,415,000 92,987,000
Restricted Stock 922,000 910,000
Loans Receivable, Net of Unearned Income 381,306,000 369,032,000
Allowance for Credit Losses (1,699,000) (1,699,000)
Loans Receivable, Net 379,607,000 367,333,000
Bank Owned Life Insurance 7,561,000 10,685,000
Premises and Equipment, Net 11,825,000 11,923,000
Accrued Interest Receivable 2,214,000 1,967,000
Real Estate Owned 42,000 42,000
Deferred Tax Asset, Net 1,974,000 2,447,000
Other Assets 7,553,000 1,097,000
Total Assets 539,807,000 527,307,000
Deposits    
Interest-Bearing 396,685,000 389,860,000
Noninterest-Bearing 1,558,000 1,616,000
Advances from Borrowers for Taxes, Insurance, and Repairs 4,656,000 5,280,000
Other Liabilities 6,010,000 4,776,000
Total Liabilities 408,909,000 401,532,000
Stockholders' Equity    
Preferred Stock - $0.01 Par Value; 1,000,000 Shares Authorized, None issued and Outstanding at June 30, 2025 and December 31, 2024
Common Stock - $0.01 Par Value; 20,000,000 Shares Authorized: 5,559,473 Shares Issued and Outstanding at both June 30, 2025 and December 31, 2024 56,000 56,000
Additional Paid-In Capital 53,190,000 53,163,000
Unearned ESOP Stock (4,115,000) (4,226,000)
Retained Earnings 86,897,000 83,693,000
Accumulated Other Comprehensive Loss (5,130,000) (6,911,000)
Total Stockholders' Equity 130,898,000 125,775,000
Total Liabilities and Stockholders' Equity $ 539,807,000 $ 527,307,000