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CONSOLIDATED STATEMENTS OF INCOME (LOSS) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Loans receivable, including fees $ 2,816 $ 2,717 $ 8,346 $ 7,314
Investment securities 345 255 914 790
Cash and due from banks 345 678 1,039 2,184
Other earning assets 7 21 49 63
Total interest income 3,513 3,671 10,348 10,351
INTEREST EXPENSE        
Deposits 983 830 2,849 2,370
Borrowings 80 309 216 908
Total interest expense 1,063 1,139 3,065 3,278
Net interest income 2,450 2,532 7,283 7,073
Provision for (reversal of) credit losses (36) 337 (36) 531
Net interest income after provision for (reversal of) credit losses 2,486 2,195 7,319 6,542
NON-INTEREST INCOME (LOSS)        
Service charges on deposit accounts 172 200 571 597
Bank-owned life insurance 123 118 360 344
Loss on sale of investment securities       (5,507)
Other income on foreclosed assets     216  
Gain (loss) on sale of fixed assets (1)   (1) 6
Federal community development grant   280   280
Other 21 22 66 103
Total non-interest income (loss) 315 620 1,212 (4,177)
NON-INTEREST EXPENSE        
Salaries and employee benefits 1,312 1,200 3,819 3,603
Occupancy and equipment 220 193 627 572
Data processing and communication 179 238 537 1,170
Professional fees 91 151 306 375
Directors' fees 123 116 354 345
ATM and debit card 24 24 75 124
Foreclosed assets, net 7 33 114 67
Advertising and marketing 35 31 94 112
Regulatory fees and assessments 34 42 102 111
Franchise and shares tax 14 15 41 46
Other 163 217 509 594
Total non-interest expense 2,202 2,260 6,578 7,119
Income (loss) before income tax expense (benefit) 599 555 1,953 (4,754)
Income tax expense (benefit) 110 108 357 (1,039)
NET INCOME (LOSS) $ 489 $ 447 $ 1,596 $ (3,715)
Earnings (loss) per share - basic (in dollars per share) $ 0.13 $ 0.11 $ 0.43 $ (0.93)
Earnings (loss) per share - diluted (in dollars per share) $ 0.13 $ 0.11 $ 0.43 $ (0.93)