CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and amounts due from depository institutions	$ 15,727,000	$ 13,210,000
Interest-bearing deposits	90,996,000	82,098,000
Total cash and cash equivalents	106,723,000	95,308,000
Certificates of deposit	100,000	100,000
Equity securities	17,714,000	18,041,000
Securities available-for-sale, at fair value	0	1,000
Securities held-to-maturity (net of allowance for credit losses of $131, fair value of $11,909 and $22,865, respectively )	15,524,000	26,395,000
Loans receivable		1,217,321,000
Loans receivable	1,507,938,000
Deferred loan costs, net		372,000
Deferred loan costs, net	232,000
Allowance for credit losses		(5,474,000)
Allowance for credit losses	(4,767,000)	(5,474,000)
Net loans		1,212,219,000
Net loans	1,503,403,000
Premises and equipment, net	25,523,000	26,063,000
Investments in restricted stock, at cost	929,000	1,238,000
Bank owned life insurance	24,926,000	25,896,000
Accrued interest receivable	11,323,000	8,597,000
Goodwill	200,000	200,000
Real estate owned	1,456,000	1,456,000
Property held for investment	1,417,000	1,444,000
Right of Use Assets - Operating	1,935,000	2,312,000
Right of Use Assets - Financing	352,000	355,000
Other assets	8,420,000	5,338,000
Total assets	1,719,945,000	1,424,963,000
Deposits:
Non-interest bearing	309,190,000	376,302,000
Interest bearing	1,056,444,000	745,653,000
Total deposits	1,365,634,000	1,121,955,000
Advance payments by borrowers for taxes and insurance	2,510,000	2,369,000
Borrowings	64,000,000	21,000,000
Lease Liability - Operating	1,991,000	2,363,000
Lease Liability - Financing	561,000	533,000
Accounts payable and accrued expenses	12,836,000	14,754,000
Total liabilities	1,447,532,000	1,162,974,000
Stockholders' equity:
Preferred stock, $0.01 par value; 25,000,000 shares authorized; none issued or outstanding
Common stock, $0.01 par value; 75,000,000 shares authorized; 14,481,614 shares and 16,049,454 shares issued and outstanding, respectively	145,000	161,000
Additional paid-in capital	114,669,000	136,434,000
Unearned Employee Stock Ownership Plan (''ESOP'') shares	(6,780,000)	(7,432,000)
Retained earnings	164,201,000	132,670,000
Accumulated other comprehensive income	178,000	156,000
Total stockholders' equity	272,413,000	261,989,000
Total liabilities and stockholders' equity	$ 1,719,945,000	$ 1,424,963,000