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Income Taxes, Deferred Tax Assets and Liabilities (FY) (Details) - USD ($) $ in Thousands | Sep. 30, 2020 | Dec. 31, 2019 | Dec. 31, 2018
--- | --- | --- | ---
Deferred tax assets [Abstract] |  |  |
Allowance for loan losses |  | $ 897 | $ 799
Real estate owned |  | 0 | 65
Accrued liabilities |  | 137 | 150
State income taxes |  | 36 | 34
Stock compensation |  | 202 | 165
Net operating loss carryforward |  | 3,614 | 3,887
Non-accrual loan interest |  | 1 | 3
Partnership investment |  | 173 | 140
General business credit |  | 1,859 | 1,661
Alternative minimum tax credit |  | 94 | 151
Unrealized appreciation AFS |  | 0 | 50
Other |  | 34 | 28
Total deferred tax assets |  | 7,047 | 7,133
Deferred tax liabilities [Abstract] |  |  |
Section 481 Adjustments to bad debts |  | (660) | (980)
Deferred loan fees/costs |  | (797) | (775)
Basis difference on fixed assets |  | (15) | (35)
Net unrealized appreciation on available-for-sale securities |  | (59) | 0
FHLB stock dividends |  | (266) | (266)
Mortgage servicing rights |  | (3) | (5)
Prepaid expenses |  | (27) | (27)
Total deferred tax liabilities |  | (1,827) | (2,088)
Net deferred tax assets |  | 5,220 | 5,045
Valuation allowance | $ 0 | $ 0 | $ 0

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