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CONSOLIDATED STATEMENTS OF INCOME (LOSS) (UNAUDITED) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest and dividend income:        
Interest and fees on loans $ 5,111,000 $ 5,101,000 $ 15,273,000 $ 14,646,000
Interest on debt securities:        
Taxable 1,538,000 955,000 4,035,000 2,746,000
Non-taxable 199,000 441,000 596,000 1,322,000
Total interest on debt securities 1,737,000 1,396,000 4,631,000 4,068,000
Dividends 46,000 53,000 145,000 184,000
Total interest and dividend income 6,894,000 6,550,000 20,049,000 18,898,000
Interest expense:        
Interest on deposits 2,824,000 2,711,000 8,021,000 6,932,000
Interest on borrowings 623,000 857,000 1,974,000 3,069,000
Total interest expense 3,447,000 3,568,000 9,995,000 10,001,000
Net interest and dividend income 3,447,000 2,982,000 10,054,000 8,897,000
Provision (release) for credit losses 3,000 16,000 50,000 (20,000)
Net interest and dividend income after provision (release) for credit losses 3,444,000 2,966,000 10,004,000 8,917,000
Non-interest income:        
Customer service fees 276,000 181,000 758,000 543,000
Gain on sale of loans 100,000 12,000 109,000 20,000
Gain on sale of land and buildings       2,522,000
Income from bank-owned life insurance 43,000 45,000 86,000 86,000
Loan servicing fee income 6,000 7,000 20,000 31,000
Investment services fees 111,000 106,000 336,000 319,000
Other income 8,000 13,000 37,000 33,000
Total non-interest income 544,000 364,000 1,346,000 3,554,000
Non-interest expense:        
Salaries and employee benefits 2,242,000 2,153,000 6,694,000 6,402,000
Equity compensation 237,000 164,000 706,000 492,000
Director compensation 118,000 114,000 333,000 295,000
Occupancy expense 324,000 319,000 1,044,000 691,000
Equipment expense 70,000 73,000 214,000 275,000
Marketing 101,000 103,000 272,000 289,000
Data processing 401,000 344,000 1,227,000 1,039,000
Deposit insurance fees 137,000 82,000 339,000 302,000
Professional fees and assessments 236,000 246,000 842,000 898,000
Debit card fees 46,000 35,000 134,000 94,000
Employee travel and education expenses 41,000 41,000 146,000 119,000
Other expense 241,000 252,000 770,000 856,000
Total non-interest expense 4,194,000 3,926,000 12,721,000 11,752,000
(Loss) income before income tax benefit (206,000) (596,000) (1,371,000) 719,000
Income tax benefit (596,000) (640,000) (613,000) (176,000)
Net Income (Loss) $ 390,000 $ 44,000 $ (758,000) $ 895,000
Income (loss) per share:        
Basic $ 0.09 $ 0.01 $ (0.18) $ 0.2
Diluted [1] $ 0.08 $ 0.01 $ (0.18) $ 0.19
Weighted Average Shares:        
Basic 4,247,330 4,101,543 4,266,328 4,447,432
Diluted [1] 4,676,115 4,342,755 4,266,328 4,684,892
[1] Not adjusted for potentially dilutive shares for periods where a net loss was recognized. The nine months ended September 30, 2025 excludes 437,871 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.