SEGMENT REPORTING (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

The following table represents segment information for the years ended December 31, 2025 and 2024:


						For the Year Ended December 31,
						2025						2024
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						—						—
Net loss						$	(10,025)					$	(11,911)