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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Non-interest-bearing cash $ 4,515 $ 4,076
Interest-bearing cash and due from banks 32,756 40,219
Total cash and cash equivalents 37,271 44,295
Investment securities:    
Securities available-for-sale, at fair value (amortized cost of $48,206 and $33,215, respectively) 44,853 28,712
Securities held-to-maturity (fair value of $13,464 and $11,284, respectively) 14,945 13,447
Loans receivable, net of unearned income 164,767 167,076
Allowance for credit losses (2,397) (2,522)
Loans receivable, net 162,370 164,554
Accrued interest receivable 861 851
Foreclosed assets 76 194
Premises and equipment, net 5,954 6,085
Stock in correspondent banks, at cost 939 1,961
Bank-owned life insurance 14,849 14,489
Other assets 1,716 2,109
TOTAL ASSETS 283,834 276,697
Deposits    
Non-interest-bearing 27,617 28,281
Interest-bearing 158,755 157,393
Total deposits 186,372 185,674
Borrowings 14,693 9,558
Other liabilities 1,184 1,261
TOTAL LIABILITIES 202,249 196,493
SHAREHOLDERS' EQUITY    
Preferred stock, $0.01 par value - 5,000,000 shares authorized; none issued or outstanding
Common stock, $0.01 par value; 30,000,000 shares authorized; 4,129,604 and 4,278,150 issued and outstanding at September 30, 2025 and December 31, 2024, respectively 41 43
Additional paid-in capital 37,997 39,561
Unallocated common stock held by benefit plans (5,260) (5,702)
Retained earnings 51,456 49,860
Accumulated other comprehensive loss (2,649) (3,558)
TOTAL SHAREHOLDERS' EQUITY 81,585 80,204
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 283,834 $ 276,697