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CONSOLIDATED STATEMENTS OF (LOSS) INCOME (UNAUDITED) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Interest and dividend income:        
Interest and fees on loans $ 5,154,000 $ 4,835,000 $ 10,162,000 $ 9,545,000
Interest on debt securities:        
Taxable 1,321,000 939,000 2,497,000 1,791,000
Non-taxable 199,000 441,000 397,000 881,000
Total interest on debt securities 1,520,000 1,380,000 2,894,000 2,672,000
Dividends 49,000 63,000 99,000 131,000
Total interest and dividend income 6,723,000 6,278,000 13,155,000 12,348,000
Interest expense:        
Interest on deposits 2,598,000 2,191,000 5,197,000 4,221,000
Interest on borrowings 697,000 1,063,000 1,351,000 2,212,000
Total interest expense 3,295,000 3,254,000 6,548,000 6,433,000
Net interest and dividend income 3,428,000 3,024,000 6,607,000 5,915,000
Provision (release) for credit losses 47,000 (16,000) 47,000 (36,000)
Net interest and dividend income after provision (release) for credit losses 3,381,000 3,040,000 6,560,000 5,951,000
Non-interest income:        
Customer service fees 295,000 194,000 482,000 362,000
Gain on sale of loans 5,000 8,000 9,000 8,000
Gain on sale of land and buildings 0 2,522,000 0 2,522,000
Income from bank-owned life insurance 22,000 21,000 43,000 41,000
Loan servicing fee income 8,000 13,000 14,000 24,000
Investment services fees 103,000 124,000 225,000 213,000
Other income 18,000 11,000 29,000 20,000
Total non-interest income 451,000 2,893,000 802,000 3,190,000
Non-interest expense:        
Salaries and employee benefits 2,252,000 2,098,000 4,452,000 4,248,000
Equity compensation expense 237,000 165,000 469,000 329,000
Director compensation 136,000 76,000 215,000 181,000
Occupancy expense 408,000 193,000 720,000 372,000
Equipment expense 72,000 97,000 144,000 202,000
Marketing 85,000 105,000 171,000 186,000
Data processing 438,000 360,000 826,000 695,000
Deposit insurance fees 98,000 122,000 202,000 220,000
Professional fees and assessments 269,000 263,000 606,000 652,000
Debit card fees 46,000 29,000 88,000 59,000
Employee travel and education expenses 50,000 46,000 105,000 78,000
Other expense 274,000 274,000 529,000 604,000
Total non-interest expense 4,365,000 3,828,000 8,527,000 7,826,000
(Loss) income before income tax expense (benefit) (533,000) 2,105,000 (1,165,000) 1,315,000
Income tax expense (benefit) 12,000 102,000 (17,000) 464,000
Net (loss) income $ (545,000) $ 2,003,000 $ (1,148,000) $ 851,000
(Loss) income per share:        
Basic $ (0.13) $ 0.44 $ (0.27) $ 0.18
Diluted [1] $ (0.13) $ 0.42 $ (0.27) $ 0.18
Weighted Average Shares:        
Basic 4,259,134 4,530,623 4,275,985 4,622,277
Diluted [1] 4,259,134 4,767,134 4,275,985 4,858,215
[1] Not adjusted for potentially dilutive shares for periods where a net loss was recognized. The three and six months ended June 30, 2025 excludes 99,656 of stock-based awards that could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been antidilutive for the periods presented.