Employee Benefits	6 Months Ended
Jun. 30, 2025
Retirement Benefits [Abstract]
Employee Benefits	8. Employee Benefits 401(k) Plan The Company sponsors a 401(k) defined contribution plan for substantially all employees pursuant to which employees of the Company could elect to make contributions to the plan subject to Internal Revenue Service limits. The Company makes matching and profit-sharing contributions to eligible participants in accordance with plan provisions. The Company’s contributions for the three months ended June 30, 2025 and 2024 were $59,000 and $53,000, respectively, and $118,000 and $113,000 for the six months ended June 30, 2025 and 2024, respectively. Supplemental Executive Retirement Plans Salary Continuation Plan The Company maintains a nonqualified supplemental retirement plan for its current Chief Executive Officer and its former President. The plan provides supplemental retirement benefits payable in installments over a period of years upon retirement or death. The recorded liability at June 30, 2025 and December 31, 2024 relating to this supplemental retirement plan was $803,000 and $827,000, respectively. The discount rate used to determine the Company’s obligation was 5.00%. On March 5, 2025, the Bank and its current Chief Executive Officer entered into an amendment that limits the annual benefit to $64,817 if there is a separation from service for other than at or following a change of control. Accordingly, as a result of the amendment, the benefit, outside of a change in control, is now fixed and will no longer increase over time. The expense of this salary retirement plan was $2,000 and $36,000 for the three months ended June 30, 2025 and 2024, respectively, and $4,000 and $73,000 for the six months ended June 30, 2025 and 2024, respectively. Directors Deferred Supplemental Retirement Plan The Company has a supplemental retirement plan for eligible directors that provides for monthly benefits based upon years of service to the Company, subject to certain limitations as set forth in the agreements. The present value of these future payments is being accrued over the estimated period of service. The estimated liability at June 30, 2025 and December 31, 2024 relating to this plan was $616,000 and $611,000, respectively. The discount rate used to determine the Company’s obligation was 6.25% at June 30, 2025 and December 31, 2024. Total supplemental retirement plan expense amounted to $18,000 and $15,000 for the three months ended June 30, 2025 and 2024, respectively, and $36,000 and $30,000 for the six months ended June 30, 2025 and 2024, respectively. The Company enacted a “hard freeze” for this supplemental retirement plan as of January 1, 2022. On February 10, 2022, the Bank and the non-employee members of the board of directors of the Bank entered into amendments to the Supplemental Director Retirement Agreements (the “Agreements”) previously entered into by the Bank and the directors. The amendments eliminate the formula for determining the normal annual retirement benefit (previously “70% of Final Base Fee”) and replaces it with a fixed annual benefit of $20,000. The amendments also eliminate the formula for determining the benefit payable on a change in control (previously tied to the normal annual retirement formula with certain imputed increases in the Base Fee) and replacing it with a fixed amount equal to the present value of $200,000. The effect of the amendments is to eliminate the variable and increasing costs associated with the Agreements. Instead, since the normal annual retirement benefit will be a fixed amount, the future costs associated with the Agreements is now more predictable. It is the intention of the Bank that no new directors of the Bank would enter into similar agreements. Additionally, the Company has a deferred director’s fee plan, which allows members of the board of directors to defer the receipt of fees that otherwise would be paid to them in cash. At June 30, 2025 and December 31, 2024, the total deferred directors' fees amounted to $1.1 million and $917,000, respectively.

Employee Benefits

6 Months Ended

Jun. 30, 2025

401(k) Plan

The Company sponsors a 401(k) defined contribution plan for substantially all employees pursuant to which employees of the Company could elect to make contributions to the plan subject to Internal Revenue Service limits. The Company makes matching and profit-sharing contributions to eligible participants in accordance with plan provisions. The Company’s contributions for the three months ended June 30, 2025 and 2024 were $59,000 and $53,000, respectively, and $118,000 and $113,000 for the six months ended June 30, 2025 and 2024, respectively.

Supplemental Executive Retirement Plans

Salary Continuation Plan

The Company maintains a nonqualified supplemental retirement plan for its current Chief Executive Officer and its former President. The plan provides supplemental retirement benefits payable in installments over a period of years upon retirement or death. The recorded liability at June 30, 2025 and December 31, 2024 relating to this supplemental retirement plan was $803,000 and $827,000, respectively. The discount rate used to determine the Company’s obligation was 5.00%. On March 5, 2025, the Bank and its current Chief Executive Officer entered into an amendment that limits the annual benefit to $64,817 if there is a separation from service for other than at or following a change of control. Accordingly, as a result of the amendment, the benefit, outside of a change in control, is now fixed and will no longer increase over time. The expense of this salary retirement plan was $2,000 and $36,000 for the three months ended June 30, 2025 and 2024, respectively, and $4,000 and $73,000 for the six months ended June 30, 2025 and 2024, respectively.

Directors Deferred Supplemental Retirement Plan

The Company has a supplemental retirement plan for eligible directors that provides for monthly benefits based upon years of service to the Company, subject to certain limitations as set forth in the agreements. The present value of these future payments is being accrued over the estimated period of service. The estimated liability at June 30, 2025 and December 31, 2024 relating to this plan was $616,000 and $611,000, respectively. The discount rate used to determine the Company’s obligation was 6.25% at June 30, 2025 and December 31, 2024. Total supplemental retirement plan expense amounted to $18,000 and $15,000 for the

three months ended June 30, 2025 and 2024, respectively, and $36,000 and $30,000 for the six months ended June 30, 2025 and 2024, respectively.

The Company enacted a “hard freeze” for this supplemental retirement plan as of January 1, 2022. On February 10, 2022, the Bank and the non-employee members of the board of directors of the Bank entered into amendments to the Supplemental Director Retirement Agreements (the “Agreements”) previously entered into by the Bank and the directors. The amendments eliminate the formula for determining the normal annual retirement benefit (previously “70% of Final Base Fee”) and replaces it with a fixed annual benefit of $20,000. The amendments also eliminate the formula for determining the benefit payable on a change in control (previously tied to the normal annual retirement formula with certain imputed increases in the Base Fee) and replacing it with a fixed amount equal to the present value of $200,000. The effect of the amendments is to eliminate the variable and increasing costs associated with the Agreements. Instead, since the normal annual retirement benefit will be a fixed amount, the future costs associated with the Agreements is now more predictable. It is the intention of the Bank that no new directors of the Bank would enter into similar agreements.

Additionally, the Company has a deferred director’s fee plan, which allows members of the board of directors to defer the receipt of fees that otherwise would be paid to them in cash. At June 30, 2025 and December 31, 2024, the total deferred directors' fees amounted to $1.1 million and $917,000, respectively.