v3.26.1
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Jun. 30, 2026
Dec. 31, 2025
ASSETS    
Cash and due from banks $ 5,496 $ 13,414
Securities available-for-sale, at fair value 133,783 152,406
Federal Home Loan Bank stock 2,051 2,431
Total loans 421,864 419,474
Less allowance for credit losses on loans (3,428) (3,427)
Net loans 418,436 416,047
Land, building and equipment, net 784 589
Bank-owned life insurance 4,918 4,875
Accrued interest receivable 2,069 2,108
Other assets 8,578 7,425
Total assets 576,115 599,295
Deposits:    
Non-interest bearing deposits 72,024 69,693
Interest bearing deposits 382,176 401,080
Total deposits 454,200 470,773
Advances from Federal Home Loan Bank 44,844 52,308
Mortgagors’ tax escrow 574 811
Deferred compensation liability 2,833 2,667
Other liabilities 9,854 9,189
Total liabilities 512,305 535,748
Stockholders' Equity:    
Preferred Stock, $.01 par value, 10,000,000 shares authorized, none issued
Common Stock, $.01 par value, 90,000,000 shares authorized; 5,304,812 issued; 4,689,258 and 4,694,149 shares outstanding as of June 30, 2026 and December 31, 2025, respectively 53 53
Additional paid-in capital 54,787 54,517
Retained earnings 23,980 24,239
Accumulated other comprehensive loss (4,840) (4,839)
Treasury stock, at cost: 612,221 and 610,663 shares outstanding as of June 30, 2026 and December 31, 2025, respectively (6,086) (6,066)
Unearned stock compensation (4,084) (4,357)
Total stockholders' equity 63,810 63,547
Total liabilities and stockholders' equity $ 576,115 $ 599,295