Borrowed Funds	6 Months Ended
Jun. 30, 2026
Borrowed Funds
Borrowed Funds	7.Borrowed Funds At June 30, 2026 and December 31, 2025, the Company had no outstanding borrowings. During the three and six month periods ended June 30, 2026 and 2025, the Company did not utilize any FHLB advances. The Company has access to the FRB Discount Window for Borrowings (“Discount Window”). At June 30, 2026 and December 31, 2025, the Company had pledged certain U.S Treasuries and U.S. agency notes and bonds with a carrying value of $17.4 million and $17.2 million, respectively, to secure borrowings through the Discount Window, if needed. While the Company has conducted a test of borrowing through the Discount Window, there were no borrowings outstanding through the Discount Window at June 30, 2026 or December 31, 2025. FHLB advances are secured under a blanket collateral agreement. At June 30, 2026, the carrying value of CMO and mortgage-backed securities, mortgage loans and home equity lines of credit pledged as security for future FHLB advances was $50.9 million, $79.9 million, and $9.7 million, respectively. At December 31, 2025, the carrying value of CMO and mortgage-backed securities, mortgage loans and home equity lines of credit pledged as security for FHLB advances was $23.0 million, $77.7 million and $8.2 million, respectively. At June 30, 2026, the Company had a $100.1 million borrowing capacity limit with the FHLB based on pledged collateral.

Borrowed Funds

6 Months Ended

Jun. 30, 2026

7.Borrowed Funds

At June 30, 2026 and December 31, 2025, the Company had no outstanding borrowings. During the three and six month periods ended June 30, 2026 and 2025, the Company did not utilize any FHLB advances.

The Company has access to the FRB Discount Window for Borrowings (“Discount Window”). At June 30, 2026 and December 31, 2025, the Company had pledged certain U.S Treasuries and U.S. agency notes and bonds with a carrying value of $17.4 million and $17.2 million, respectively, to secure borrowings through the Discount Window, if needed. While the Company has conducted a test of borrowing through the Discount Window, there were no borrowings outstanding through the Discount Window at June 30, 2026 or December 31, 2025.

FHLB advances are secured under a blanket collateral agreement. At June 30, 2026, the carrying value of CMO and mortgage-backed securities, mortgage loans and home equity lines of credit pledged as security for future FHLB advances was $50.9 million, $79.9 million, and $9.7 million, respectively. At December 31, 2025, the carrying value of CMO and mortgage-backed securities, mortgage loans and home equity lines of credit pledged as security for FHLB advances was $23.0 million, $77.7 million and $8.2 million, respectively. At June 30, 2026, the Company had a $100.1 million borrowing capacity limit with the FHLB based on pledged collateral.