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CONSOLIDATED STATEMENTS OF INCOME (LOSS) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Interest and fees on loans $ 3,126,000 $ 2,908,000 $ 8,744,000 $ 7,648,000
Interest and dividends on securities 719,000 814,000 2,196,000 2,605,000
Interest on deposits with banks and federal funds sold 92,000 237,000 503,000 1,004,000
Total Interest Income 3,937,000 3,959,000 11,443,000 11,257,000
INTEREST EXPENSE        
Interest on deposits 1,044,000 730,000 2,827,000 1,716,000
Interest on short-term borrowings 62,000 408,000 486,000 1,363,000
Total Interest Expense 1,106,000 1,138,000 3,313,000 3,079,000
Net Interest Income 2,831,000 2,821,000 8,130,000 8,178,000
Provision (release) of credit loss allowance 44,000 105,000 (498,000) 897,000
Net interest income after credit loss provision 2,787,000 2,716,000 8,628,000 7,281,000
NONINTEREST INCOME        
Service charges on deposit accounts 37,000 36,000 102,000 109,000
Mortgage commissions 192,000   192,000  
Other fees and commissions 297,000 273,000 570,000 584,000
Income on life insurance 45,000 45,000 132,000 132,000
Total Noninterest Income 571,000 354,000 996,000 825,000
NONINTEREST EXPENSE        
Salary and benefits 1,865,000 1,653,000 5,718,000 4,872,000
Occupancy and equipment expenses 249,000 327,000 813,000 996,000
Legal, accounting and other professional fees 478,000 267,000 1,140,000 769,000
Data processing and item processing services 219,000 263,000 700,000 755,000
FDIC insurance costs 46,000 41,000 132,000 119,000
Advertising and marketing related expenses 45,000 40,000 111,000 88,000
Loan collection costs 19,000 5,000 71,000 11,000
Telephone costs 20,000 41,000 83,000 110,000
Other expenses 330,000 354,000 1,020,000 928,000
Total Noninterest Expenses 3,271,000 2,991,000 9,788,000 8,648,000
Income (loss) before income taxes 87,000 79,000 (164,000) (542,000)
Income tax benefit (38,000) (50,000) (230,000) (470,000)
NET INCOME (LOSS) $ 125,280 $ 129,191 $ 66,277 $ (72,131)
Basic net income (loss) per share of common stock (in dollars per share) $ 0.04 $ 0.04 $ 0.02 $ (0.02)
Diluted net income (loss) per share of common stock (in dollars per share) $ 0.04 $ 0.04 $ 0.02 $ (0.02)