Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets:
Cash and due from banks	$ 3,016	$ 4,124
Interest-bearing deposits in other banks	12,550	12,527
Cash and cash equivalents	15,566	16,651
Investment securities available-for-sale, at fair value	11,006	14,722
Loans receivable held for sale, at lower of cost or fair value	0	6,231
Loans receivable held for investment, net of allowance of $3,182 and $2,929	397,847	355,556
Accrued interest receivable	1,223	1,143
Federal Home Loan Bank (FHLB) stock	2,916	2,916
Office properties and equipment, net	2,783	2,242
Bank owned life insurance	3,100	3,047
Deferred tax assets, net	5,220	5,045
Investment in affordable housing limited partnership	163	342
Real estate owned (REO)		833
Other assets	545	669
Total assets	440,369	409,397
Liabilities:
Deposits	297,724	281,414
FHLB advances	84,000	70,000
Junior subordinated debentures	4,335	5,100
Advance payments by borrowers for taxes and insurance	1,033	1,055
Accrued expenses and other liabilities	4,429	3,392
Total liabilities	391,521	360,961
Commitments and Contingencies (Note 14)
Stockholders' Equity:
Preferred stock, $.01 par value, authorized 1,000,000 shares; none issued or outstanding
Additional paid-in capital	46,426	46,141
Retained earnings	8,425	8,631
Unearned Employee Stock Ownership Plan (ESOP) shares	(959)	(1,027)
Accumulated other comprehensive loss, net of tax	(23)	(283)
Treasury stock-at cost, 2,617,826 shares at December 31, 2019 and at December 31, 2018	(5,326)	(5,326)
Total stockholders' equity	48,848	48,436
Total liabilities and stockholders' equity	440,369	409,397
Common Stock
Stockholders' Equity:
Total stockholders' equity	305	300
Common Stock | Common Stock, Voting
Stockholders' Equity:
Common stock	218	213
Common Stock | Common Stock, Non-Voting
Stockholders' Equity:
Common stock	$ 87	$ 87