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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2026
Dec. 31, 2025
ASSETS    
Cash and due from banks $ 16,548 $ 15,530
Interest-earning deposits in banks 87,588 69,587
Investment securities available for sale, at fair value (amortized cost of $299,707 and $295,849, respectively) 272,985 270,310
Loans held for sale 1,140 1,063
Loans receivable (net of allowance for credit losses on loans of $16,823 and $16,987, respectively) 1,612,979 1,612,028
Federal Home Loan Bank ("FHLB") stock, at cost 13,927 13,105
Accrued interest receivable 7,051 6,498
Premises and equipment, net 8,591 8,464
Servicing rights on sold loans, at fair value 2,999 3,014
Bank-owned life insurance ("BOLI"), net 42,850 42,382
Equity and partnership investments 15,452 15,489
Goodwill and other intangible assets, net 1,062 1,062
Deferred tax asset, net 13,898 13,638
Right-of-use ("ROU") asset, net 15,316 15,596
Prepaid expenses and other assets 21,057 20,129
Total assets 2,133,443 2,107,895
LIABILITIES AND SHAREHOLDERS' EQUITY    
Deposits 1,601,582 1,599,101
Borrowings 328,160 308,143
Accrued interest payable 280 1,223
Lease liability, net 16,250 16,439
Accrued expenses and other liabilities 27,514 24,301
Advances from borrowers for taxes and insurance 2,691 1,424
Total liabilities 1,976,477 1,950,631
Shareholders' Equity    
Preferred stock, $0.01 par value; 5,000,000 shares authorized; no shares issued or outstanding 0 0
Common stock, $0.01 par value; 75,000,000 shares authorized; 9,499,300 and 9,467,925 shares issued and outstanding, respectively 95 95
Additional paid-in capital 93,854 93,803
Retained earnings 91,707 91,699
Accumulated other comprehensive loss, net of tax (22,920) (22,398)
Unearned employee stock ownership plan ("ESOP") shares (5,770) (5,935)
Total shareholders' equity 156,966 157,264
Total liabilities and shareholders' equity $ 2,133,443 $ 2,107,895