v3.26.1
Consolidated Balance Sheets - USD ($)
Jun. 30, 2026
Dec. 31, 2025
Assets    
Cash and Due from Banks $ 6,348,000 $ 4,993,000
Interest-Bearing Deposits at Other Financial Institutions 12,813,000 28,859,000
Total Cash and Cash Equivalents 19,161,000 33,852,000
Investment Securities Available-for-Sale, at Fair Value (amortized cost $99,530 and $104,010 respectively) 94,206,000 99,077,000
Restricted Stock 946,000 935,000
Loans Receivable, Net of Unearned Income 395,056,000 378,090,000
Allowance for Credit Losses (1,699,000) (1,699,000)
Loans Receivable, Net 393,357,000 376,391,000
Bank Owned Life Insurance 7,832,000 7,689,000
Premises and Equipment, Net 11,875,000 11,636,000
Accrued Interest Receivable 2,274,000 1,999,000
Real Estate Owned 45,000 42,000
Deferred Tax Asset, Net 1,803,000 1,722,000
Other Assets 626,000 1,051,000
Total Assets 532,125,000 534,394,000
Deposits    
Interest-Bearing 390,091,000 391,364,000
Noninterest-Bearing 1,515,000 1,798,000
Advances from Borrowers for Taxes, Insurance, and Repairs 5,933,000 6,178,000
Other Liabilities 5,582,000 5,297,000
Total Liabilities 403,121,000 404,637,000
Stockholders' Equity    
Preferred Stock - $0.01 Par Value; 1,000,000 Shares Authorized, None Issued and Outstanding at June 30, 2026 and December 31, 2025
Common Stock - $0.01 Par Value; 20,000,000 Shares Authorized: 5,235,658 and 5,349,039 Shares Issued and Outstanding at June 30, 2026 and December 31, 2025 53,000 54,000
Additional Paid-In Capital 50,430,000 51,195,000
Unearned ESOP Stock (3,894,000) (4,005,000)
Retained Earnings 87,136,000 86,941,000
Accumulated Other Comprehensive Loss (4,721,000) (4,428,000)
Total Stockholders' Equity 129,004,000 129,757,000
Total Liabilities and Stockholders' Equity $ 532,125,000 $ 534,394,000