CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
ASSETS
Cash and amounts due from depository institutions	$ 8,953	$ 7,613
Interest-bearing deposits	154,882	61,578
Total cash and cash equivalents	163,835	69,191
Certificates of deposit	100	100
Equity Securities	10,270	10,332
Securities available-for-sale, at fair value	2	2
Securities held-to-maturity (fair value of $10,932 and $7,519, respectively)	10,842	7,382
Loans receivable	829,970	824,708
Deferred loan (fees) costs, net	338	113
Allowance for loan losses	(5,094)	(5,088)
Net loans	825,214	819,733
Premises and equipment, net	23,187	18,675
Investments in restricted stock, at cost	1,569	1,595
Bank owned life insurance	24,987	24,691
Accrued interest receivable	3,619	3,838
Goodwill	651	651
Real estate owned	1,996	1,996
Property held for investment	1,500	1,518
Right of Use Assets - Operating	2,830	3,094
Right of Use Assets - Financing	361	363
Other assets	5,570	5,060
Total assets	1,076,533	968,221
Deposits:
Non-interest bearing	257,808	221,371
Interest bearing	540,996	550,335
Total deposits	798,804	771,706
Advance payments by borrowers for taxes and insurance	2,012	2,258
Federal Home Loan Bank advances	28,000	28,000
Lease Liability - Operating	2,864	3,115
Lease Liability - Financing	478	460
Stock Subscription	74,933
Accounts payable and accrued expenses	8,595	8,857
Total liabilities	915,686	814,396
Stockholders' equity:
Preferred stock, $0.01 par value; 1,000,000 shares authorized, none issued
Common stock, $0.01 par value; 19,000,000 shares authorized; 13,225,000 shares issued; and 12,194,611 shares outstanding at June 30, 2021 and December 31, 2020, respectively	132	132
Additional paid-in capital	56,974	56,901
Unearned Employee Stock Ownership Plan ("ESOP") shares	(1,166)	(1,296)
Treasury stock - at cost, 1,030,389 shares at June 30, 2021 and December 31, 2020, respectively	(7,032)	(7,032)
Retained earnings	112,127	105,305
Accumulated other comprehensive loss	(188)	(185)
Total stockholders' equity	160,847	153,825
Total liabilities and stockholders' equity	$ 1,076,533	$ 968,221