Not adjusted for potentially dilutive shares for periods where a net loss was recognized. The six months ended June 30, 2026 excludes 359,894 of stock-based awards that could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been antidilutive for the periods presented. The three and six months ended June 30, 2025 excludes 447,006 and 451,344, respectively, of stock-based awards that could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been antidilutive for the periods presented.

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
Cash flows from operating activities:
Net loss	$ (259)	$ (1,148)
Adjustments to reconcile net loss to net cash provided by operating activities:
ESOP expense	107	84
Stock based compensation	426	469
Depreciation and amortization	167	160
Net amortization of bond premium	176	290
(Release) provision for credit losses	(14)	47
Gain on sale of loans		(9)
Proceeds from loans sold		778
Origination of loans sold		(769)
Increase in bank-owned life insurance	(43)	(43)
Decrease (increase) in deferred costs on loans	101	(70)
Deferred tax benefit	(5)	(64)
Decrease (increase) in accrued interest receivable	39	(51)
(Increase) decrease in other assets	(1,274)	149
Increase in deferred compensation liability	166	170
Increase in other liabilities	758	429
Net cash provided by operating activities	345	422
Cash flows from investing activities:
Proceeds from principal payments received on securities available-for-sale	18,403	7,609
Purchase of securities available-for-sale		(31,706)
Purchase of property and equipment	(346)	(34)
Loan purchases	(297)	(3,318)
Loan originations and principal collections, net	(2,079)	2,961
Net redemption (purchases) of Federal Home Loan Bank stock	380	(179)
Net cash provided (used) by investing activities	16,061	(24,667)
Cash flows from financing activities:
Net increase (decrease) in NOW, demand deposits, money market and savings accounts	6,615	(8,653)
Net (decrease) increase in time deposits	(23,188)	26,709
Decrease in mortgagors' escrow accounts	(237)	(20)
Principal payments on finance lease	(31)	(28)
Treasury stock purchases	(20)	(836)
Net cash (used) provided by financing activities	(24,324)	23,857
Net change in cash and cash equivalents	(7,918)	(388)
Cash and cash equivalents at beginning of period	13,414	7,100
Cash and cash equivalents at end of period	5,496	6,712
Cash activities:
Cash paid for interest	5,882	6,529
Cash paid for income taxes	65	35
Effect of change in fair value of securities available-for-sale:
Securities available-for-sale	(40)	258
Deferred taxes	10	(69)
Other comprehensive (loss) income	(30)	189
Cumulative fair value hedging adjustment - loans	114	103
Cumulative fair value hedging adjustment - securities available-for-sale	(3)
Effect of change in fair value of interest rate swaps:
Interest rate swaps	39	(12)
Deferred taxes	(10)	3
Other comprehensive income (loss)	29	(9)
Federal Home Loan Bank Advances [Member]
Cash flows from financing activities:
Net proceeds from short-term FHLB advances	17,060	7,205
Proceeds from long-term FHLB advances	476
Payments on long-term FHLB advances	$ (25,000)	$ (520)

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