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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities:    
Net income (loss) $ 66 $ (72)
Adjustments to reconcile net income (loss) to net cash (used in) provided by operating activities:    
Depreciation and amortization of premises and equipment 275 244
Amortization, and accretion of investment securities available for sale 79 127
(Release of) provision for credit losses (498) 897
Loss on disposals of assets, net 16  
Increase in cash surrender value of bank owned life insurance (132) (132)
Noncash compensation-restricted stock awards 17  
Noncash compensation-forgivable note amortization 31  
Decrease in ground rents 4 6
Decrease (increase) in accrued interest receivable 5 (287)
Net increase in other assets (810) (520)
Net increase in accrued expenses and other liabilities (271) 493
Net cash (used in) provided by operating activities (1,218) 756
Cash flows from investing activities:    
Redemptions and maturities of investment securities available for sale 7,631 23,043
Net sale of Federal Home Loan Bank stock 1,420 971
Net increase in loans (9,874) (30,849)
Purchases of premises and equipment (76) (131)
Net cash used in investing activities (899) (6,966)
Cash flows from financing activities:    
Net increase in deposits 19,880 14,206
Decrease in short term borrowings (30,000)  
Cash dividends paid   (866)
Common stock dividends reinvested   91
Net cash (used in) provided by financing activities (10,120) 13,431
Net (decrease) increase in cash and cash equivalents (12,237) 7,221
Cash and cash equivalents at beginning of period 24,464 15,241
Cash and cash equivalents at end of period 12,227 22,462
Supplemental Disclosures of Cash Flow Information:    
Interest paid on deposits and borrowings 3,420 2,169
Net income taxes refunded   (104)
Net decrease in unrealized depreciation on available for sale securities 3,902 $ 3,701
During the year, the Company issued 19,104 shares of restricted common stock in connection with compensation agreements, representing a noncash investing and financing activity $ 101