Three Months Ended June 30, 2026

Three Months Ended June 30, 2025

Six Months Ended June 30, 2026

Six Months Ended June 30, 2025

Net income (loss) applicable to common shares outstanding

$

(314,524)

$

(278,660)

$

(679,304)

$

(847,301)

Average number of common shares outstanding

758,289

752,538

755,430

752,538

Less: Average unallocated ESOP shares

46,422

49,056

46,752

49,386

Average number of common shares outstanding used to calculate basic earnings per share

711,867

703,482

708,678

703,152

Earnings per common share basic and diluted

$

(0.44)

$

(0.40)

$

(0.96)

$

(1.21)