v3.26.1
SEGMENT REPORTING (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
segment
Dec. 31, 2024
USD ($)
Segment Reporting [Abstract]    
Number of reportable segments | segment 1  
Number of operating segments | segment 1  
Interest income:    
Loans $ 80,716 $ 70,185
Taxable investment income 14,447 15,122
Non-taxable investment income 143 144
Total interest income 95,306 85,451
Interest expense:    
Deposits 37,047 36,830
Borrowed funds 10,875 11,071
Total interest expense 47,922 47,901
Net interest income 47,384 37,550
Provision for (release of) credit losses 2,123 (1,350)
Net interest income after provision for (release of) credit losses 45,261 38,900
Non-interest income:    
Fees and service charges 1,089 1,203
Total non-interest income 1,683 1,794
Non-interest expense:    
Compensation and benefits 31,935 29,433
Occupancy and equipment 9,091 8,878
Data processing 5,994 5,648
Total non-interest expense 56,969 52,605
Loss before income tax expense (10,025) (11,911)
Income tax expense 0 0
Net loss (10,025) (11,911)
Reportable Segment    
Interest income:    
Loans 80,716 70,185
Taxable investment income 14,447 15,122
Non-taxable investment income 143 144
Total interest income 95,306 85,451
Interest expense:    
Deposits 37,047 36,830
Borrowed funds 10,875 11,071
Total interest expense 47,922 47,901
Net interest income 47,384 37,550
Provision for (release of) credit losses 2,123 (1,350)
Net interest income after provision for (release of) credit losses 45,261 38,900
Non-interest income:    
Fees and service charges 1,089 1,203
Other income 594 591
Total non-interest income 1,683 1,794
Non-interest expense:    
Compensation and benefits 31,935 29,433
Occupancy and equipment 9,091 8,878
Data processing 5,994 5,648
Other expense 9,949 8,646
Total non-interest expense 56,969 52,605
Loss before income tax expense (10,025) (11,911)
Income tax expense 0 0
Net loss $ (10,025) $ (11,911)