v3.26.1
INCOME TAXES - Net deferred tax asset (Details) - USD ($)
Mar. 31, 2026
Dec. 31, 2025
Deferred tax assets:    
Net operating loss carryforward $ 308,137 $ 357,279
Allowance for credit losses 93,596 93,436
Net unrealized loss on available-for sale securities 30,262 27,329
Book/tax depreciation differences 22,506 18,586
Other 146,609 146,741
Total deferred tax assets 601,110 643,371
Deferred tax liabilities:    
FHLB stock dividends 25,769 25,769
Other 15,352 53,771
Total deferred tax liabilities 41,121 79,540
Valuation allowance (45,450) (45,450)
Net deferred tax asset $ 514,539 $ 518,381