v3.26.1
Consolidated Balance Sheets - USD ($)
Dec. 31, 2025
Dec. 31, 2024
Assets    
Cash and Due from Banks $ 4,993,000 $ 5,850,000
Interest-Bearing Deposits at Other Financial Institutions 28,859,000 32,066,000
Total Cash and Cash Equivalents 33,852,000 37,916,000
Investment Securities Available-for-Sale, at Fair Value (amortized cost $104,010 and $101,712 respectively) 99,077,000 92,987,000
Restricted Stock 935,000 910,000
Loans Receivable, Net of Unearned Income 378,090,000 369,032,000
Allowance for Credit Losses (1,699,000) (1,699,000)
Loans Receivable, Net 376,391,000 367,333,000
Bank Owned Life Insurance 7,689,000 10,685,000
Premises and Equipment, Net 11,636,000 11,923,000
Accrued Interest Receivable 1,999,000 1,967,000
Real Estate Owned 42,000 42,000
Deferred Tax Asset, Net 1,722,000 2,447,000
Other Assets 1,051,000 1,097,000
Total Assets 534,394,000 527,307,000
Deposits    
Interest-Bearing 391,364,000 389,860,000
Noninterest-Bearing 1,798,000 1,616,000
Advances from Borrowers for Taxes, Insurance, and Repairs 6,178,000 5,280,000
Other Liabilities 5,297,000 4,776,000
Total Liabilities 404,637,000 401,532,000
Stockholders' Equity    
Preferred Stock - $0.01 Par Value; 1,000,000 Shares Authorized, None Issued and Outstanding at December 31, 2025 and 2024
Common Stock - $0.01 Par Value; 20,000,000 Shares Authorized: 5,349,039 and 5,559,473 Shares Issued and Outstanding at December 31, 2025 and December 31, 2024 54,000 56,000
Additional Paid-In Capital 51,195,000 53,163,000
Unearned ESOP Stock (4,005,000) (4,226,000)
Retained Earnings 86,941,000 83,693,000
Accumulated Other Comprehensive Loss (4,428,000) (6,911,000)
Total Stockholders' Equity 129,757,000 125,775,000
Total Liabilities and Stockholders' Equity $ 534,394,000 $ 527,307,000