Broadway Financial (BYFC) S-4/A 9 Feb 21 Registration of securities issued in business combination transactions (amended) Financial data

Document and Entity Information

Document and Entity Information	12 Months Ended
	Dec. 31, 2019
Cover page
Entity Registrant Name	BROADWAY FINANCIAL CORP \DE\
Entity Central Index Key	0001001171
Document Type	S-4/A
Amendment Flag	false
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (FY) - 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
us-gaap_PropertyPlantAndEquipmentNet	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)	0	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
us-gaap_AccruedLiabilitiesAndOtherLiabilities	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	0	0
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 Voting [Member]
Stockholders' Equity:
Common stock	218	213
Common Stock Non-Voting [Member]
Stockholders' Equity:
Common stock	$ 87	$ 87

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (FY) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets:
Allowance for loan losses	$ 3,215	$ 3,215	$ 3,182	$ 2,818	$ 2,771	$ 2,929	$ 4,069
Stockholders' Equity:
Preferred stock, par value (in dollars per share)	$ 0.01		$ 0.01			$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000		1,000,000			1,000,000
Preferred stock, shares issued (in shares)	0		0			0
Preferred stock, shares outstanding (in shares)	0		0			0
Treasury stock, shares (in shares)	2,617,826		2,617,826			2,617,826
Common Stock Voting [Member]
Stockholders' Equity:
Common stock, par value (in dollars per share)	$ 0.01		$ 0.01			$ 0.01
Common stock, shares authorized (in shares)	50,000,000		50,000,000			50,000,000
Common stock, shares issued (in shares)	21,899,584		21,729,249			21,280,228
Common stock, shares outstanding (in shares)	19,281,758		19,111,423			18,662,402
Common Stock Non-Voting [Member]
Stockholders' Equity:
Common stock, par value (in dollars per share)	$ 0.01		$ 0.01			$ 0.01
Common stock, shares authorized (in shares)	25,000,000		25,000,000			25,000,000
Common stock, shares issued (in shares)	8,756,396		8,756,396			8,756,396
Common stock, shares outstanding (in shares)	8,756,396		8,756,396			8,756,396

Consolidated Statements of Oper

Consolidated Statements of Operations and Comprehensive Income (FY) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Interest Income:
Interest and fees on loans receivable	$ 4,438	$ 3,731	$ 13,226	$ 11,687	$ 15,845	$ 14,279
Interest on investment securities	59	90	194	283	359	413
Other interest income	77	194	293	503	643	545
Total interest income	4,574	4,015	13,713	12,473	16,847	15,237
Interest Expense:
Interest on deposits	631	1,105	2,653	3,229	4,276	3,089
Interest on borrowings	566	518	1,754	1,577	2,110	1,840
Total interest expense	1,197	1,623	4,407	4,806	6,386	4,929
Net interest income before loan loss provision recapture	3,377	2,392	9,306	7,667	10,461	10,308
Loan loss provision recapture	0	(47)	(29)	301	7	1,254
Net interest income after loan loss provision (recapture)	3,377	2,345	9,277	7,968	10,468	11,562
Non-Interest Income:
Service charges	93	116	331	353	491	449
Net gain on sales of loans	76	204	199	204	204	70
CDFI Grant	0	0	0	233	233	233
Other	37	24	115	69	124	113
Total non-interest income	206	344	645	859	1,052	865
Non-Interest Expense:
Compensation and benefits	1,909	1,876	5,947	5,633	7,357	7,055
Occupancy expense	332	325	967	945	1,265	1,278
Information services	242	231	700	657	888	822
Professional services	840	335	1,675	909	1,144	653
Office services and supplies	97	72	260	207	280	289
Loan related expenses	41	58	62	116	163	167
Corporate insurance	30	32	94	101	133	147
Amortization of investment in affordable housing limited partnership	26	36	79	134	179	195
Other	215	179	499	524	662	950
Total non-interest expense	3,732	3,144	10,283	9,226	12,071	11,556
(Loss) income before income taxes	(149)	(455)	(361)	(399)	(551)	871
Income tax (benefit) expense	95	(176)	(300)	(262)	(345)	56
Net (loss) income	(244)	(279)	(61)	(137)	(206)	815
Other comprehensive loss, net of tax:
Unrealized gains (loss) on securities available-for-sale arising during the period	(40)	64	290	417	369	(292)
Income tax expense (benefit)	(12)	19	86	123	109	(90)
Other comprehensive income (loss), net of tax	(28)	45	204	294	260	(202)
Comprehensive (loss) income	$ (272)	$ (234)	$ 143	$ 157	$ 54	$ 613
(Loss) earnings per common share-basic (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03
(Loss) earnings per common share - diluted (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (FY) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned ESOP Shares [Member]	Accumulated Other Comprehensive Loss, Net [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2017	$ 300	$ 46,117	$ 7,816	$ (1,095)	$ (81)	$ (5,326)	$ 47,731
Balance (in shares) at Dec. 31, 2017	30,069,045
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	$ 0	0	815	0	0	0	815
Common stock issued for services	$ 0	45	0	0	0	0	45
Common stock issued for services (in shares)	18,906
Common stock repurchased for tax withholdings	$ 0	(108)	0	0	0	0	(108)
Common stock repurchased for tax withholdings (in shares)	(51,327)
Release of unearned ESOP shares	$ 0	12	0	68	0	0	80
Change in unrealized loss on securities available-for-sale, net of tax	0	0	0	0	(202)	0	(202)
Restricted stock compensation expense	$ 0	36	0	0	0	0	36
Restricted stock compensation expense (in shares)	0
Stock-based compensation expense	$ 0	39	0	0	0	0	39
Balance at Dec. 31, 2018	$ 300	46,141	8,631	(1,027)	(283)	(5,326)	48,436
Balance (in shares) at Dec. 31, 2018	30,036,624
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		0	(137)	0	0	0	(137)
Common stock issued for services		52	0	0	0	0	52
Common stock repurchased for tax withholdings		14	0	0	0	0	14
Release of unearned ESOP shares		(3)	0	50	0	0	47
Balance at Sep. 30, 2019		46,353	8,494	(977)	11	(5,326)	48,860
Balance at Dec. 31, 2018	$ 300	46,141	8,631	(1,027)	(283)	(5,326)	48,436
Balance (in shares) at Dec. 31, 2018	30,036,624
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	$ 0	0	(206)	0	0	0	(206)
Common stock issued for services	$ 1	52	0	0	0	0	53
Common stock issued for services (in shares)	42,168
Common stock repurchased for tax withholdings	$ 0	(14)	0	0	0	0	(14)
Common stock repurchased for tax withholdings (in shares)	0
Release of unearned ESOP shares	$ 0	(3)	0	68	0	0	65
Change in unrealized loss on securities available-for-sale, net of tax	0	0	0	0	260	0	260
Restricted stock compensation expense	$ 4	212	0	0	0	0	216
Restricted stock compensation expense (in shares)	406,853
Stock-based compensation expense	$ 0	38	0	0	0	0	38
Balance at Dec. 31, 2019	$ 305	46,426	8,425	(959)	(23)	(5,326)	48,848
Balance (in shares) at Dec. 31, 2019	30,485,645
Balance at Jun. 30, 2019		46,292	8,773	(994)	(34)	(5,326)	49,016
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		0	(279)	0	0	0	(279)
Common stock repurchased for tax withholdings		14	0	0	0	0	14
Release of unearned ESOP shares		2	0	17	0	0	19
Balance at Sep. 30, 2019		46,353	8,494	(977)	11	(5,326)	48,860
Balance at Dec. 31, 2019	$ 305	46,426	8,425	(959)	(23)	(5,326)	48,848
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		0	(61)	0	0	0	(61)
Common stock issued for services		45	0	0	0	0	45
Release of unearned ESOP shares		0	0	50	0	0	50
Balance at Sep. 30, 2020		46,750	8,364	(909)	181	(5,326)	49,366
Balance at Jun. 30, 2020		46,650	8,608	(927)	209	(5,326)	49,520
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		0	(244)	0	0	0	(244)
Release of unearned ESOP shares		0	0	18	0	0	18
Balance at Sep. 30, 2020		$ 46,750	$ 8,364	$ (909)	$ 181	$ (5,326)	$ 49,366

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (FY) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities:
Net (loss) income	$ (61)	$ (137)	$ (206)	$ 815
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Loan loss provision recaptures	29	(301)	(7)	(1,254)
Provision for losses on REO	0	13	13	45
Depreciation	170	171	227	241
Reversal of valuation allowance on loan held for sale			(12)	0
Net amortization of deferred loan origination costs	183	160	254	605
Net amortization of premiums on mortgage-backed securities	30	19	30	36
Amortization of investment in affordable housing limited partnership	79	134	179	195
ESOP compensation expense	50	47	65	80
Earnings on bank owned life insurance	(35)	(39)	(53)	(53)
Originations of loans receivable held for sale	(118,626)	(15,182)	(15,182)	(20,288)
Proceeds from sales and repayments of loans receivable held for sale	77,642	22,970	23,074	19,626
Gain on sale of loans receivable held for sale	(199)	(204)	(204)	(70)
Changes in operating assets and liabilities
Net change in deferred taxes	(175)	(209)	(284)	155
Net change in accrued interest receivable	(102)	(39)	(80)	(70)
Net change in other assets	15	5	124	187
Net change in advance payments by borrowers for taxes and insurance	508	473	(22)	(16)
Net change in accrued expenses and other liabilities	(125)	322	310	(120)
Net cash (used in) provided by operating activities	(39,763)	8,540	8,533	234
Cash flows from investing activities:
Net change in loans receivable held for investment	35,843	(8,735)	(43,983)	(3,185)
Principal payments on available-for-sale securities	1,744	1,450	4,055	2,444
Proceeds from sales of REO	0	820	820	0
Additions to office properties and equipment	(501)	(33)	(41)	(77)
Net cash provided by (used in) investing activities	35,566	(6,498)	(39,149)	(818)
Cash flows from financing activities:
Net change in deposits	27,612	(1,347)	16,310	(9,876)
Proceeds from FHLB advances	66,000	13,000	22,000	32,500
Repayments on FHLB advances	(34,500)	(8,000)	(8,000)	(27,500)
Payment for tax withholding for vesting of restricted stock	0	(14)	(14)	(108)
Repayments of junior subordinated debentures	(765)	(510)	(765)	0
Net cash provided by (used in) financing activities	58,347	3,129	29,531	(4,984)
Net change in cash and cash equivalents	54,150	5,171	(1,085)	(5,568)
Cash and cash equivalents at beginning of the period	15,566	16,651	16,651	22,219
Cash and cash equivalents at end of the period	69,716	21,822	15,566	16,651
Supplemental disclosures of cash flow information:
Cash paid for interest	4,530	4,710	6,336	4,898
Cash paid for income taxes	8	13	13	0
Supplemental disclosures of non-cash investing and financing activities:
Transfers of loans receivable held for sale to loans receivable held for investment	0	1,064	9,227	16,871
Transfers of loans receivable held for investment to loans receivable held for sale	0	10,684	10,684	0
Common stock exchanged for payment of tax withholding	0	14	14	108
Initial recognition of operating lease right-to-use assets	0	1,120	1,120	0
Initial recognition of operating lease liabilities	0	1,120	1,120	0
Employees, excluding Directors [Member]
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Stock-based compensation expense	279	182	254	75
Directors [Member]
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Stock-based compensation expense	$ 45	$ 52	$ 53	$ 45

Consolidated Statements of Fi_3

Consolidated Statements of Financial Condition (Unaudited) (Q3) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets:
Cash and due from banks	$ 44,740	$ 3,016	$ 4,124
Interest-bearing deposits in other banks	24,976	12,550	12,527
Cash and cash equivalents	69,716	15,566	16,651
Investment securities available-for-sale, at fair value	10,372	11,006	14,722
Loans receivable held for sale, at lower of cost or fair value	40,653	0	6,231
Loans receivable held for investment, net of allowance of $3,215 and $3,182	361,793	397,847	355,556
Accrued interest receivable	1,325	1,223	1,143
Federal Home Loan Bank (FHLB) stock, at cost	3,586	2,916	2,916
us-gaap_PropertyPlantAndEquipmentNet	2,714	2,783	2,242
Bank owned life insurance	3,135	3,100	3,047
Deferred tax assets, net	5,309	5,220	5,045
Investment in affordable housing limited partnership	84	163	342
Other assets	530	545	669
Total assets	499,217	440,369	409,397
Liabilities:
Deposits	325,336	297,724	281,414
FHLB advances	115,500	84,000	70,000
Junior subordinated debentures	3,570	4,335	5,100
Advance payments by borrowers for taxes and insurance	1,541	1,033	1,055
us-gaap_AccruedLiabilitiesAndOtherLiabilities	3,904	4,429	3,392
Total liabilities	449,851	391,521	360,961
Stockholders' Equity:
Preferred stock, $.01 par value, authorized 1,000,000 shares; none issued or outstanding	0	0	0
Additional paid-in capital	46,750	46,426	46,141
Retained earnings	8,364	8,425	8,631
Unearned Employee Stock Ownership Plan (ESOP) shares	(909)	(959)	(1,027)
Accumulated other comprehensive income (loss), net of tax	181	(23)	(283)
Treasury stock-at cost, 2,617,826 shares at September 30, 2020 and at December 31, 2019	(5,326)	(5,326)	(5,326)
Total stockholders' equity	49,366	48,848	48,436
Total liabilities and stockholders' equity	499,217	440,369	409,397
Common Stock Voting [Member]
Stockholders' Equity:
Common stock	219	218	213
Common Stock Non-Voting [Member]
Stockholders' Equity:
Common stock	$ 87	$ 87	$ 87

Consolidated Statements of Fi_4

Consolidated Statements of Financial Condition (Unaudited) (Q3) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets [Abstract]
Allowance for loan losses	$ 3,215	$ 3,215	$ 3,182	$ 2,818	$ 2,771	$ 2,929	$ 4,069
Stockholders' Equity:
Preferred stock, par value (in dollars per share)	$ 0.01		$ 0.01			$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000		1,000,000			1,000,000
Preferred stock, shares issued (in shares)	0		0			0
Preferred stock, shares outstanding (in shares)	0		0			0
Treasury stock, shares (in shares)	2,617,826		2,617,826			2,617,826
Common Stock Voting [Member]
Stockholders' Equity:
Common stock, par value (in dollars per share)	$ 0.01		$ 0.01			$ 0.01
Common stock, shares authorized (in shares)	50,000,000		50,000,000			50,000,000
Common stock, shares issued (in shares)	21,899,584		21,729,249			21,280,228
Common stock, shares outstanding (in shares)	19,281,758		19,111,423			18,662,402
Common Stock Non-Voting [Member]
Stockholders' Equity:
Common stock, par value (in dollars per share)	$ 0.01		$ 0.01			$ 0.01
Common stock, shares authorized (in shares)	25,000,000		25,000,000			25,000,000
Common stock, shares issued (in shares)	8,756,396		8,756,396			8,756,396
Common stock, shares outstanding (in shares)	8,756,396		8,756,396			8,756,396

Consolidated Statements of Op_2

Consolidated Statements of Operations and Comprehensive (Loss) Income (Unaudited) (Q3) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Interest income:
Interest and fees on loans receivable	$ 4,438	$ 3,731	$ 13,226	$ 11,687	$ 15,845	$ 14,279
Interest on mortgage-backed and other securities	59	90	194	283	359	413
Other interest income	77	194	293	503	643	545
Total interest income	4,574	4,015	13,713	12,473	16,847	15,237
Interest expense:
Interest on deposits	631	1,105	2,653	3,229	4,276	3,089
Interest on borrowings	566	518	1,754	1,577	2,110	1,840
Total interest expense	1,197	1,623	4,407	4,806	6,386	4,929
Net interest income before loan loss provision recapture	3,377	2,392	9,306	7,667	10,461	10,308
Loan loss provision (recapture)	0	47	29	(301)	(7)	(1,254)
Net interest income after loan loss provision (recapture)	3,377	2,345	9,277	7,968	10,468	11,562
Non-interest income:
Service charges	93	116	331	353	491	449
Gain on sale of loans	76	204	199	204	204	70
CDFI Grant	0	0	0	233	233	233
Other	37	24	115	69	124	113
Total non-interest income	206	344	645	859	1,052	865
Non-interest expense:
Compensation and benefits	1,909	1,876	5,947	5,633	7,357	7,055
Occupancy expense	332	325	967	945	1,265	1,278
Information services	242	231	700	657	888	822
Professional services	840	335	1,675	909	1,144	653
Office services and supplies	97	72	260	207	280	289
Loan related expenses	41	58	62	116	163	167
Corporate insurance	30	32	94	101	133	147
Amortization of investment in affordable housing limited partnership	26	36	79	134	179	195
Other	215	179	499	524	662	950
Total non-interest expense	3,732	3,144	10,283	9,226	12,071	11,556
(Loss) income before income taxes	(149)	(455)	(361)	(399)	(551)	871
Income tax expense (benefit)	95	(176)	(300)	(262)	(345)	56
Net (loss) income	(244)	(279)	(61)	(137)	(206)	815
Other comprehensive (loss) income, net of tax:
Unrealized (losses) gains on securities available-for-sale arising during the period	(40)	64	290	417	369	(292)
Income tax (benefit) expense	(12)	19	86	123	109	(90)
Other comprehensive income (loss), net of tax	(28)	45	204	294	260	(202)
Comprehensive (loss) income	$ (272)	$ (234)	$ 143	$ 157	$ 54	$ 613
Loss earnings per common share-basic (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03
Loss earnings per common share-diluted (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Unaudited) (Q3) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities:
Net loss	$ (61)	$ (137)
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Loan loss provision (recapture)	29	(301)
Provision for losses on REOs	0	13
Depreciation	170	171
Net amortization of deferred loan origination costs	183	160
Net amortization of premiums on mortgage-backed securities	30	19
Amortization of investment in affordable housing limited partnership	79	134
ESOP compensation expense	50	47
Earnings on bank owned life insurance	(35)	(39)
Originations of loans receivable held for sale	(118,626)	(15,182)
Proceeds from sales of loans receivable held for sale	77,642	22,970
Repayments on loans receivable held for sale	530	103
Gain on sale of loans receivable held for sale	(199)	(204)
Change in assets and liabilities:
Net change in deferred taxes	(175)	(209)
Net change in accrued interest receivable	(102)	(39)
Net change in other assets	15	5
Net change in advance payments by borrowers for taxes and insurance	508	473
Net change in accrued expenses and other liabilities	(125)	322
Net cash (used in) provided by operating activities	(39,763)	8,540
Cash flows from investing activities:
Net change in loans receivable held for investment	35,843	(8,735)
Principal payments on available-for-sale securities	1,744	1,450
Purchases of available-for-sale municipal bonds	(850)	0
Proceeds from sales of REO	0	820
Purchase of FHLB stock	(670)	0
Purchase of office properties and equipment	(501)	(33)
Net cash provided by (used in) investing activities	35,566	(6,498)
Cash flows from financing activities:
Net change in deposits	27,612	(1,347)
Proceeds from FHLB advances	66,000	13,000
Repayments on FHLB advances	(34,500)	(8,000)
Payment for tax withholding for vesting of restricted stock	0	(14)
Repayments of junior subordinated debentures	(765)	(510)
Net cash provided by (used in) financing activities	58,347	3,129
Net change in cash and cash equivalents	54,150	5,171
Cash and cash equivalents at beginning of the period	15,566	16,651
Cash and cash equivalents at end of the period	69,716	21,822
Supplemental disclosures of cash flow information:
Cash paid for interest	4,530	4,710
Cash paid for income taxes	8	13
Supplemental disclosures of non-cash investing and financing:
Transfers of loans receivable held for sale to loans receivable held for investment	0	1,064
Transfers of loans receivable held for investment to loans receivable held for sale	0	10,684
Common stock exchanged for payment of tax withholding	0	14
Initial Recognition of Operating Lease Right-of-Use Assets	0	1,120
Initial Recognition of Operating Lease Liabilities	0	1,120
Directors [Member]
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Stock-based compensation expense	45	52
Employees, excluding Directors [Member]
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Stock-based compensation expense	$ 279	$ 182

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Q3) - USD ($) $ in Thousands	Common Stock [Member]	Common Stock [Member]Common Stock Voting [Member]	Common Stock [Member]Common Stock Non-Voting [Member]	Additional Paid-in Capital [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Retained Earnings (Substantially Restricted) [Member]	Unearned ESOP Shares [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2017	$ 300			$ 46,117	$ (81)	$ 7,816	$ (1,095)	$ (5,326)	$ 47,731
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net loss	0			0	0	815	0	0	815
Release of unearned ESOP shares	0			12	0	0	68	0	80
Stock awarded to directors	0			45	0	0	0	0	45
Common stock repurchased for tax withholdings	0			108	0	0	0	0	108
Other comprehensive income (loss), net of tax									(202)
Balance at Dec. 31, 2018	300	$ 213	$ 87	46,141	(283)	8,631	(1,027)	(5,326)	48,436
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net loss		0	0	0	0	(137)	0	0	(137)
Release of unearned ESOP shares		0	0	(3)	0	0	50	0	47
Restricted stock Compensation expense		5	0	148	0	0	0	0	153
Stock awarded to directors		0	0	52	0	0	0	0	52
Stock option compensation expense		0	0	29	0	0	0	0	29
Common stock repurchased for tax withholdings		0	0	(14)	0	0	0	0	(14)
Other comprehensive income (loss), net of tax		0	0	0	294	0	0	0	294
Balance at Sep. 30, 2019		218	87	46,353	11	8,494	(977)	(5,326)	48,860
Balance at Dec. 31, 2018	300	213	87	46,141	(283)	8,631	(1,027)	(5,326)	48,436
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net loss	0			0	0	(206)	0	0	(206)
Release of unearned ESOP shares	0			(3)	0	0	68	0	65
Stock awarded to directors	1			52	0	0	0	0	53
Common stock repurchased for tax withholdings	0			14	0	0	0	0	14
Other comprehensive income (loss), net of tax									260
Balance at Dec. 31, 2019	305	218	87	46,426	(23)	8,425	(959)	(5,326)	48,848
Balance at Jun. 30, 2019		218	87	46,292	(34)	8,773	(994)	(5,326)	49,016
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net loss		0	0	0	0	(279)	0	0	(279)
Release of unearned ESOP shares		0	0	2	0	0	17	0	19
Restricted stock Compensation expense		0	0	63	0	0	0	0	63
Stock option compensation expense		0	0	10	0	0	0	0	10
Common stock repurchased for tax withholdings		0	0	(14)	0	0	0	0	(14)
Other comprehensive income (loss), net of tax		0	0	0	45	0	0	0	45
Balance at Sep. 30, 2019		218	87	46,353	11	8,494	(977)	(5,326)	48,860
Balance at Dec. 31, 2019	$ 305	218	87	46,426	(23)	8,425	(959)	(5,326)	48,848
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net loss		0	0	0	0	(61)	0	0	(61)
Release of unearned ESOP shares		0	0	0	0	0	50	0	50
Restricted stock Compensation expense		1	0	250	0	0	0	0	251
Stock awarded to directors		0	0	45	0	0	0	0	45
Stock option compensation expense		0	0	29	0	0	0	0	29
Other comprehensive income (loss), net of tax		0	0	0	204	0	0	0	204
Balance at Sep. 30, 2020		219	87	46,750	181	8,364	(909)	(5,326)	49,366
Balance at Jun. 30, 2020		219	87	46,650	209	8,608	(927)	(5,326)	49,520
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net loss		0	0	0	0	(244)	0	0	(244)
Release of unearned ESOP shares		0	0	0	0	0	18	0	18
Restricted stock Compensation expense		0	0	90	0	0	0	0	90
Stock option compensation expense		0	0	10	0	0	0	0	10
Other comprehensive income (loss), net of tax		0	0	0	(28)	0	0	0	(28)
Balance at Sep. 30, 2020		$ 219	$ 87	$ 46,750	$ 181	$ 8,364	$ (909)	$ (5,326)	$ 49,366

Summary of Significant Accounti

Summary of Significant Accounting Policies (FY)	12 Months Ended
	Dec. 31, 2019
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 1 – Summary of Significant Accounting Policies Nature of Operations and Principles of Consolidation Broadway Financial Corporation (the "Company") is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the "Bank"). The Bank's business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2019, the Bank operated two retail-banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities. The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter-company transactions and balances have been eliminated in consolidation. Use of Estimates To prepare consolidated financial statements in conformity with U.S. generally accepted accounting principles ("GAAP"), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ from these estimates. The allowance and provision for loan losses, specific reserves for impaired loans, fair value of real estate owned, deferred tax asset valuation allowance, and fair values of investment securities and other financial instruments are particularly subject to change. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the "Federal Reserve Bank"), and interest-bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. The reserve and clearing requirement balance was $49 thousand at December 31, 2019. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other banks, deferred income taxes and other assets and liabilities. Investment Securities Debt securities are classified as held-to-maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Securities available-for-sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment ("OTTI") on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Consideration is given to the financial condition and near-term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and the intent and ability of management to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer's financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer's financial condition. Loans Receivable Held for Sale The Bank originates loans for sale, and may, from time-to-time, decide to sell certain loans that are held for investment in order to manage loan concentrations. When a decision is made to sell loans, such loans are transferred from held-for-investment portfolio to held-for-sale portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge-off is recorded against the allowance for loan and lease losses ("ALLL"). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non-interest expense. Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not maintain effective control over the transferred assets. Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale. Loans Receivable Held for Investment Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using the level-yield method without anticipating prepayments. Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Concentration of Credit Risk Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company's lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers reside in Southern California. Therefore, the Company's exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area. The Company has a significant concentration of deposits with a long-time customer that accounted for approximately 10% of its deposits as of December 31, 2019. The Company expects to maintain this relationship with the customer for the near term. Loans Purchased The Bank purchases or participates in loans originated by other institutions from time to time. Subject to regulatory restrictions applicable to savings institutions, the Bank's current loan policies allow all loan types to be purchased. The determination to purchase specific loans or pools of loans is based upon the Bank's investment needs and market opportunities and is subject to the Bank's underwriting policies, which require consideration of the financial condition of the borrower and the appraised value of the property, among other factors. Premiums or discounts incurred upon the purchase of loans are recognized in income using the interest method over the estimated life of the loans, adjusted for actual prepayments. No loans were purchased during 2019 and 2018. Allowance for Loan Losses The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management's judgment, could be charged off. In addition, the OCC and FDIC periodically review the allowance for loan losses as an integral part of their examination process. These agencies may require an increase in the allowance for loan losses based on their judgments of the information available to them at the time of their examinations. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings ("TDR") and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan's existing rate or alternatively a charge-off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral. TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan's effective rate at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge-off based on internal analyses and appraisals of the underlying collateral securing these loans. The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: one-to-four units ("single family"), five or more units ("multi-family"), commercial real estate, church, construction, commercial loans, and consumer loans. The risks in our various portfolio segments are as follows: Single Family Multi-Family Commercial Real Estate Church Construction Commercial Consumer Real Estate Owned Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non-interest expense. Operating costs after acquisition are expensed as incurred. Office Properties and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever is shorter. Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income when declared. Bank-Owned Life Insurance The Bank has purchased life insurance policies on a former key executive. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Investment in Affordable Housing Limited Partnership The Bank owns a less than 5% interest in an affordable housing limited partnership. The investment is recorded using the cost method and is being amortized over the life of the related tax credits. The tax credits are being recognized in income tax expense in the consolidated financial statements to the extent they are utilized on the Company's income tax returns. The investment is reviewed for impairment on an annual basis or on an interim basis if an event occurs that would trigger potential impairment. Loan Commitments and Related Financial Instruments Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded. Revenue Recognition Accounting Standard Codification ("ASC") 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company's revenue stream that is within the scope of Topic 606 is primarily service charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company's performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers' accounts. Restricted Stock Units The Company may grant cash-settled restricted stock units ("RSUs") to its employees. Compensation cost is recognized over the vesting period based on the fair value of the award, which is re-measured at each reporting period. The fair value of the award is classified as a liability in the consolidated statements of financial condition. Stock-Based Compensation Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. Compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. The Company's accounting policy is to recognize forfeitures as they occur. Income Taxes Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. The Company recognizes interest related to income tax matters in interest expense and penalties related to tax matters in income tax expense. Retirement Plans Employee 401(k) expense is the amount of matching contributions made by the Company. Employee Stock Ownership Plan (ESOP) The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders' equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest. Earnings (Loss) Per Common Share Basic earnings (loss) per share of common stock is computed pursuant to the two-class method by dividing net income available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed earnings attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock includes the dilutive effect of unvested stock awards and additional potential common shares issuable under stock options. Comprehensive Income (Loss) Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. Other comprehensive income or loss includes unrealized gains and losses on securities available-for-sale, net of tax, which are also recognized as separate components of equity. Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably estimated. Management does not believe that any such matters existed as of the balance sheet date that will have a material effect on the consolidated financial statements. Fair Value Measurements Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability. Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 5. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. Operating Segments The Company operates as a single segment. The operating information used by management to assess performance and make operating decisions about the Company is the consolidated financial data presented in these financial statements. For the years ended 2019 and 2018, the Company had one active operating subsidiary, Broadway Federal Bank, f.s.b. The Company has determined that banking is its one reportable business segment. Reclassifications Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year consolidated net income or stockholders' equity. Recently Adopted Accounting Pronouncements In February 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-02, "Leases (Topic 842)," which is intended to increase transparency and comparability in the accounting for lease transactions. ASU 2016-02 became effective as of January 1, 2019 and provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at either the earliest period presented or the beginning of the period of adoption with the option to elect certain practical expedients. We have elected to apply ASU 2016-02 as of the beginning of the period of adoption, which was January 1, 2019 and we have elected not to restate comparative periods. All the expedients available under ASU 2016-02, have been adopted. The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. As a result of implementing ASU 2016-02, we recognized an operating lease right-of-use ("ROU") asset of $1.2 million and an operating lease liability of $1.2 million as of January 1, 2019, with no impact on our consolidated statements of operations or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition. See Note 6 – Leases for additional information. The implementation of this standard had a minor impact on our regulatory capital ratios. Recent Accounting Pronouncements Yet to Be Adopted – In June 2016, the FASB issued ASU 2016-13, "Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. For debt securities with other-than-temporary impairment, the guidance will be applied prospectively. Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption. The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date. Subsequent changes in expected credit losses will be recorded through the allowance. For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective. On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies ("SRCs") as defined by the SEC. The final ASU, was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million. The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023. The management has not yet determined its estimated financial impact. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments – Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance is not expected to have a significant impact on the Company's consolidated financial statements. In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company's consolidated financial statements.

Securities (FY)

Securities (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Securities [Abstract]
Securities	NOTE (4) Securities The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios as of the periods indicated and the corresponding amounts of unrealized gains which were recognized in accumulated other comprehensive (loss) income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) September 30, 2020: Federal agency mortgage-backed securities $ 6,182 $ 278 $ - $ 6,460 Federal agency debt 2,850 208 - 3,058 Municipal bonds 850 4 - 854 Total available-for-sale securities $ 9,882 $ 490 $ - $ 10,372 December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006 At September 30, 2020, the Bank had 4 federal agency debt securities with total amortized cost of $2.9 million, estimated total fair value of $3.1 million and an estimated average remaining life of 5.6 years. The Bank also had 22 federal agency mortgage-backed securities with total amortized cost of $6.2 million, estimated total fair value of $6.5 million and an estimated average remaining life of 2.9 years. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. There were no securities pledged to secure public deposits at September 30, 2020 and December 31, 2019. At September 30, 2020 and December 31, 2019, there were no holdings of securities by any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity. During the third quarter and the nine months of 2020, the Bank purchased two municipal bonds totaled $850 thousand at 1.41% weighted average rate and 7.0 years of weighted average life. There were no sales of securities during the three and nine months ended September 30, 2020 and 2019. The Bank held 26 and 24 securities with unrealized gains at September 30, 2020 and December 31, 2019, respectively. All the Bank’s securities were issued by the federal government or its agencies and municipalities. The unrealized gains on our available-for-sale securities at September 30, 2020 were primarily caused by movements in market interest rates subsequent to the purchase of such securities.	Note 2 – Securities The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios at December 31, 2019 and December 31, 2018 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006 December 31, 2018: Federal agency mortgage-backed securities $ 9,575 $ 88 $ (155 ) $ 9,508 Federal agency debt 5,317 - (103 ) 5,214 Total available-for-sale securities $ 14,892 $ 88 $ (258 ) $ 14,722 At December 31, 2019, the Bank had two federal agency debt securities with total amortized cost of $3.0 million and estimated total fair value of $3.1 million and an estimated average remaining life of 5.6 years. The Bank also had 22 federal agency mortgage-backed securities with total amortized cost of $7.8 million, estimated total fair value of $8.0 million and an estimated average remaining life of 4.4 years. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. In 2019, one federal agency debt security with total amount of $2.0 million matured. The Bank did not replace this matured security during 2019. At December 31, 2019 and 2018, there were no securities pledged to secure public deposits since those public deposits are under $250 thousand which are fully insured by FDIC. At December 31, 2019 and 2018, there were no holdings of securities by any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders' equity. There were no sales of securities during the years ended December 31, 2019 and 2018. The Bank held 24 securities with unrealized gains and no securities with unrealized losses at December 31, 2019, compared to no securities with unrealized gains and ten securities with unrealized losses at December 31, 2018. Securities in unrealized loss positions are analyzed as part of our ongoing assessment of other-than-temporary impairment. Consideration is given to the financial condition and near-term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and our intent and ability to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. All the Bank's securities were issued by the federal government or its agencies.

Loans Receivable Held for Sale

Loans Receivable Held for Sale (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Held for Sale [Abstract]
Loans Receivable Held for Sale	NOTE (5) Loans Receivable Held for Sale Loans receivable held for sale were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Gross loans receivable before deferred loan origination costs $ 40,503 $ - Net deferred loan origination costs 150 - Loans receivable held for sale, net $ 40,653 $ -	Note 3 – Loans Receivable Held for Sale The Bank had no loans held for sale as of December 31, 2019 and $6.2 million of loans held for sale as of December 31, 2018, which consisted of multi-family loans. As part of the Bank's loan concentration risk management program, $10.7 million of multi-family loans held for investment were transferred to the held-for-sale portfolio offset by $9.2 million of multi-family loans transferred from held for sale to held for investment portfolio during 2019. During 2018, the Bank transferred $16.9 million of multi-family loans held for sale to the loans held for investment portfolio. The Bank allocated $15.2 million, or 15%, of its multi-family loans originated during 2019 to loans held for sale compared to $20.2 million, or 20%, of its multi-family loan originations to loans held for sale during 2018. Loan sales of $22.8 million in multi-family loans were completed during 2019 for a total gain of $204 thousand. Loan sales of $19.3 million were completed during 2018 for a gain of $70 thousand. Loan repayments totaled $115 thousand during 2019 and $159 thousand during 2018.

Loans Receivable Held for Inves

Loans Receivable Held for Investment (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Held for Investment [Abstract]
Loans Receivable Held for Investment	NOTE (6) Loans Receivable Held for Investment Loans receivable held for investment were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Real estate: Single family $ 53,976 $ 72,883 Multi-family 269,874 287,378 Commercial real estate 20,025 14,728 Church 17,789 21,301 Construction 1,672 3,128 Commercial – other 302 262 Consumer 8 21 Gross loans receivable 363,646 399,701 Unamortized net deferred loan costs and premiums 1,362 1,328 Gross loans receivable 365,008 401,029 Allowance for loan losses (3,215 ) (3,182 ) Loans receivable, net $ 361,793 $ 397,847 The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: Three Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,424 $ 169 $ 282 $ 22 $ 6 $ - $ 3,215 Provision for (recapture of) loan losses 9 1 17 (28 ) - (1 ) 2 - Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Three Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 328 $ 1,932 $ 58 $ 401 $ 44 $ 5 $ 3 $ 2,771 Provision for (recapture of) loan losses - 66 - (24 ) 6 - (1 ) 47 Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818 Nine Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Provision for (recapture of) loan losses 5 106 53 (108 ) (26 ) (2 ) 1 29 Recoveries 4 - - - - - - 4 Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Nine Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (41 ) 118 6 (416 ) 31 (1 ) 2 (301 ) Recoveries - - - 190 - - - 190 Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818 The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of the dates indicated: September 30, 2020 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 91 $ - $ - $ 56 $ - $ 1 $ - $ 148 Collectively evaluated for impairment 230 2,425 186 198 22 4 2 3,067 Total ending allowance balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Loans: Loans individually evaluated for impairment $ 586 $ 304 $ - $ 3,860 $ - $ 49 $ - $ 4,799 Loans collectively evaluated for impairment 53,548 271,071 20,086 13,571 1,672 253 8 360,209 Total ending loans balance $ 54,134 $ 271,375 $ 20,086 $ 17,431 $ 1,672 $ 302 $ 8 $ 365,008 December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029 The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: September 30, 2020 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Single family $ 9 $ 8 $ - $ - $ - $ - Multi-family $ 304 $ 304 $ - 313 313 - Church $ 2,546 $ 1,999 $ - 3,491 2,446 - With an allowance recorded: Single family 578 578 91 593 593 60 Church 1,861 1,861 56 1,928 1,928 85 Commercial - other 50 49 1 63 63 2 Total $ 5,348 $ 4,799 $ 148 $ 6,388 $ 5,343 $ 147 The recorded investment in loans excludes accrued interest receivable due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for net charge-offs. The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income (In thousands) Single family $ 589 $ 7 $ 625 $ 7 Multi-family 305 5 317 6 Church 3,938 67 4,678 76 Commercial – other 50 1 63 1 Total $ 4,882 $ 80 $ 5,683 $ 90 Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 596 $ 22 $ 631 $ 22 Multi-family 308 16 320 17 Church 4,094 376 5,206 594 Commercial – other 57 3 63 3 Total $ 5,055 $ 417 $ 6,220 $ 636 Cash-basis interest income recognized represents cash received for interest payments on accruing impaired loans and interest recoveries on non-accrual loans that were paid off. Interest payments collected on non-accrual loans are characterized as payments of principal rather than payments of the outstanding accrued interest on the loans until the remaining principal on the non-accrual loans is considered to be fully collectible or paid off. When a loan is returned to accrual status, the interest payments that were previously applied to principal are deferred and amortized over the remaining life of the loan. Foregone interest income that would have been recognized had loans performed in accordance with their original terms amounted to $22 thousand and $41 thousand for the three months ended September 30, 2020 and 2019, respectively, and $67 thousand and $121 thousand for the nine months ended September 30, 2020 and 2019, respectively, and were not included in the consolidated results of operations. The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: September 30, 2020 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 76 $ 8 $ - $ 84 $ 54,050 $ 54,134 Multi-family - - - - 271,375 271,375 Commercial real estate - - - - 20,086 20,086 Church - - - - 17,431 17,431 Construction - - - - 1,672 1,672 Commercial - other - - - - 302 302 Consumer - - - - 8 8 Total $ 76 $ 8 $ - $ 84 $ 364,924 $ 365,008 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial - other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029 The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: September 30, 2020 December 31, 2019 (In thousands) Loans receivable held for investment: Single-family residence $ 8 $ 18 Church $ 812 406 Total non-accrual loans $ 820 $ 424 There were no loans 90 days or more delinquent that were accruing interest as of September 30, 2020 or December 31, 2019. None of the church non-accrual loans were delinquent, but none qualified for accrual status as of the periods indicated. Troubled Debt Restructurings In March 2020, a joint statement was issued by federal and state regulatory agencies, after consultation with the FASB, to clarify that short-term loan modifications, such as payment deferrals, fee waivers, extensions of repayment terms or other insignificant payment delays, are not TDRs if made on a good-faith basis in response to COVID-19 to borrowers who were current prior to any relief. Under this guidance, six months or less is provided as an example of short-term, and current is defined as less than 30 days past due at the time the modification program is implemented. The guidance also provides that these modified loans generally will not be classified as non-accrual loans during the term of the modification. The Bank has implemented a loan modification program for the effects of COVID-19 on its borrowers. At the date of this filing, no borrowers have requested loan modifications, and no modifications have been granted. At September 30, 2020, loans classified as troubled debt restructurings (“TDRs”) totaled $4.2 million, of which $243 thousand were included in non-accrual loans and $4.0 million were on accrual status. At December 31, 2019, loans classified as TDRs totaled $4.7 million, of which $406 thousand were included in non-accrual loans and $4.3 million were on accrual status. The Company has allocated $148 thousand and $147 thousand of specific reserves for accruing TDRs as of September 30, 2020 and December 31, 2019, respectively. TDRs on accrual status are comprised of loans that were accruing at the time of restructuring or loans that have complied with the terms of their restructured agreements for a satisfactory period of time and for which the Bank anticipates full repayment of both principal and interest. TDRs that are on non-accrual status can be returned to accrual status after a period of sustained performance, generally determined to be six months of timely payments, as modified. A well-documented credit analysis that supports a return to accrual status based on the borrower’s financial condition and prospects for repayment under the revised terms is also required. As of September 30, 2020 and December 31, 2019, the Company had no commitment to lend additional amounts to customers with outstanding loans that are classified as TDRs. No loans were modified during the three or nine months ended September 30, 2020 and 2019. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. For single family residential, consumer and other smaller balance homogenous loans, a credit grade is established at inception, and generally only adjusted based on performance. Information about payment status is disclosed elsewhere herein. The Company analyzes all other loans individually by classifying the loans as to credit risk. This analysis is performed at least on a quarterly basis. The Company uses the following definitions for risk ratings: ◾ Watch. ◾ Special Mention. ◾ Substandard. ◾ Doubtful. ◾ Loss. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Pass rated loans are generally well protected by the current net worth and paying capacity of the obligor and/or by the value of the underlying collateral. Pass rated loans are not more than 59 days past due and are generally performing in accordance with the loan terms. Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: September 30, 2020 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 54,127 $ - $ - $ 7 $ - $ - Multi-family 271,008 - - 367 - - Commercial real estate 18,590 1,496 - - - - Church 13,982 662 - 2,787 - - Construction 1,672 - - - - - Commercial - other 252 - - 50 - - Consumer 8 - - - - - Total $ 359,639 $ 2,158 $ - $ 3,211 $ - $ - December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3,691 - - Construction 3,125 - - - - - Commercial - other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ -	Note 4 – Loans Receivable Held for Investment Loans receivable held for investment were as follows as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Real estate: Single family $ 72,883 $ 91,835 Multi-family 287,378 231,870 Commercial real estate 14,728 5,802 Church 21,301 25,934 Construction 3,128 1,876 Commercial – other 262 226 Consumer 21 5 Gross loans receivable before deferred loan costs and premiums 399,701 357,548 Unamortized net deferred loan costs and premiums 1,328 937 Gross loans receivable 401,029 358,485 Allowance for loan losses (3,182 ) (2,929 ) Loans receivable, net $ 397,847 $ 355,556 The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: For the year ended December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (57 ) 439 81 (501 ) 29 1 1 (7 ) Recoveries - - - 260 - - - 260 Loans charged off - - - - - - - - Ending balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 For the year ended December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 594 $ 2,300 $ 71 $ 1,081 $ 17 $ 6 $ - $ 4,069 Recapture of loan losses (225 ) (420 ) (19 ) (592 ) 2 - - (1,254 Recoveries - - - 114 - - - 114 Loans charged off - - - - - - - - Ending balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated: December 31, 2019 Real Estate Single family Multi- family Commercial real estate C hurch Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289 ,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029 December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 53 $ - $ - $ 170 $ - $ 4 $ - $ 227 Collectively evaluated for impairment 316 1,880 52 433 19 2 - 2,702 Total ending allowance balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Loans: Loans individually evaluated for impairment $ 610 $ 323 $ - $ 5,383 $ - $ 64 $ - $ 6,380 Loans collectively evaluated for impairment 91,567 232,986 5,800 19,713 1,872 162 5 352,105 Total ending loans balance $ 92,177 $ 233,309 $ 5,800 $ 25,096 $ 1,872 $ 226 $ 5 $ 358,485 The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: December 31, 2019 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Multi-family $ 313 $ 313 $ - $ 323 $ 323 $ - Church 3,491 2,446 - 4,666 2,803 With an allowance recorded: Single family 593 593 60 610 610 53 Multi-family - - - - - - Church 1,928 1,928 85 2,580 2,580 170 Commercial – other 63 63 2 64 64 4 Total $ 6,388 $ 5,343 $ 147 $ 8,243 $ 6,380 $ 227 The recorded investment in loans excludes accrued interest receivable due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for net charge-offs. The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: For the year ended December 31, 2019 For the year ended December 31, 2018 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 626 $ 29 $ 618 $ 30 Multi-family 318 22 329 23 Commercial real estate - - - - Church 5,017 939 7,893 398 Commercial – other 63 5 64 4 Total $ 6,024 $ 995 $ 8,904 $ 455 Cash-basis interest income recognized represents cash received for interest payments on accruing impaired loans and interest recoveries on non-accrual loans that were paid off. Interest payments collected on non-accrual loans are characterized as payments of principal rather than payments of the outstanding accrued interest on the loans until the remaining principal on the non-accrual loans is considered to be fully collectible or paid off. When a loan is returned to accrual status, the interest payments that were previously applied to principal are deferred and amortized over the remaining life of the loan. Foregone interest income that would have been recognized had loans performed in accordance with their original terms amounted to $120 thousand and $280 thousand for the years ended December 31, 2019 and 2018, respectively, and were not included in the consolidated results of operations. The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial – other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 35 $ - $ - $ 35 $ 92,142 $ 92,177 Multi-family - - - - 233,309 233,309 Commercial real estate - - - - 5,800 5,800 Church - - - - 25,096 25,096 Construction - - - - 1,872 1,872 Commercial-other - - - - 226 226 Consumer - - - - 5 5 Total $ 35 $ - $ - $ 35 $ 358,450 $ 358,485 The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Loans receivable held for investment: Single family $ 18 $ - Church 406 911 Total non-accrual loans $ 424 $ 911 There were no loans 90 days or more delinquent that were accruing interest as of December 31, 2019 or December 31, 2018. Troubled Debt Restructurings At December 31, 2019, loans classified as troubled debt restructurings ("TDRs") totaled $4.7 million, of which $406 thousand were included in non-accrual loans and $4.3 million were on accrual status. At December 31, 2018, loans classified as TDRs totaled $6.4 million, of which $591 thousand were included in non-accrual loans and $5.8 million were on accrual status. The Company has allocated $147 thousand and $227 thousand of specific reserves for accruing TDRs as of December 31, 2019 and 2018, respectively. TDRs on accrual status are comprised of loans that were accruing at the time of restructuring or loans that have complied with the terms of their restructured agreements for a satisfactory period and for which the Bank anticipates full repayment of both principal and interest. TDRs that are on non-accrual status can be returned to accrual status after a period of sustained performance, generally determined to be six months of timely payments, as modified. A well-documented credit analysis that supports a return to accrual status based on the borrower's financial condition and prospects for repayment under the revised terms is also required. As of December 31, 2019 and 2018, the Company had no commitment to lend additional amounts to customers with outstanding loans that are classified as TDRs. No loans were modified during the years ended December 31, 2019 and 2018. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. For single family residential, consumer and other smaller balance homogenous loans, a credit grade is established at inception, and generally only adjusted based on performance. Information about payment status is disclosed elsewhere herein. The Company analyzes all other loans individually by classifying the loans as to credit risk. This analysis is performed at least on a quarterly basis. The Company uses the following definitions for risk ratings: ■ Watch. ■ Special ■ Substandard. ■ Doubtful. ■ Loss. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Pass rated loans are generally well protected by the current net worth and paying capacity of the obligor and/or by the value of the underlying collateral. Pass rated loans are not more than 59 days past due and are generally performing in accordance with the loan terms. Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3 691 - - Construction 3,125 - - - - - Commercial – other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ - December 31, 2018 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 92,132 $ - $ 35 $ 10 $ - $ - Multi-family 232,642 - - 667 - - Commercial real estate 5,800 - - - - - Church 19,678 672 - 4,746 - - Construction 1,872 - - - - - Commercial – other 162 - - 64 - - Consumer 5 - - - - - Total $ 352,291 $ 672 $ 35 $ 5,487 $ - $ -

Office Properties and Equipment

Office Properties and Equipment, net (FY)	12 Months Ended
	Dec. 31, 2019
Office Properties and Equipment, net [Abstract]
Office Properties and Equipment, net	Note 5 – Office Properties and Equipment, net Year-end office properties and equipment were as follows: 2019 2018 (In thousands) Land $ 572 $ 572 Office buildings and improvements 3,268 3,264 Rights of use assets 727 - Furniture, fixtures and equipment 1,831 1,794 6,398 5,630 Less accumulated depreciation (3,615 ) (3,388 Office properties and equipment, net $ 2,783 $ 2,242 Depreciation expense was $227 thousand and $241 thousand for the years 2019 and 2018, respectively.

Leases (FY)

Leases (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Leases	NOTE (7) Leases The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in office properties and equipment and other liabilities, respectively, in the consolidated statements of financial condition. Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard. The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not included in the lease term. The Bank recorded a ROU asset of $326 thousand and an operating lease liability of $332 thousand as of September 30, 2020. The Bank has no finance leases. The Bank recorded operating lease expense costs of $121 thousand and $123 thousand for the three months and $363 thousand and $368 thousand for the nine months ended September 30, 2020 and 2019, respectively. Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Quarter ended September 30, 2020 Nine Months ended September 30, 2020 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 88 $ 262 Weighted average remaining lease term in months 7 Weighted average discount rate 2.75 % The future minimum payments for operating leases with remaining terms of one year or more as of September 30, 2020 were as follows (in thousands): Three months ended December 31, 2020 $ 140 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 335 Amounts Representing Interest (3 ) Present Value of Net Future Minimum Lease Payments $ 332	Note 6 – Leases The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition. Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard. The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not included in the lease term. The Bank recorded a ROU asset of $727 thousand and an operating lease liability of $735 thousand as of December 31, 2019. The Bank has no finance leases. Rent expense under the operating leases was $600 thousand for 2019 and $593 thousand for 2018. Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 542 ROU assets obtained in exchange for lease liabilities $ 727 Weighted average remaining lease term in months 16 Weighted average discount rate 2.75 % The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2019 were as follows (in thousands): Year ended December 31, 2020 $ 555 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 750 Amounts Representing Interest (15 ) Present Value of Net Future Minimum Lease Payments $ 735

Fair Value (FY)

Fair Value (FY)	12 Months Ended
	Dec. 31, 2019
Fair Value [Abstract]
Fair Value	Note 7 – Fair Value The Company used the following methods and significant assumptions to estimate fair value: The fair values of securities available-for-sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs). The fair value of impaired loans that are collateral dependent is generally based upon the fair value of the collateral, which is obtained from recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Assets acquired through or by transfer in lieu of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at the lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated every nine months. These appraisals may utilize a single valuation approach or a combination of approaches, including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Appraisals for collateral-dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, an independent third-party licensed appraiser reviews the appraisals for accuracy and reasonableness, reviewing the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Assets Measured on a Recurring Basis Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurement Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total (In thousands) At December 31, 2019: Securities available-for-sale – federal agency mortgage-backed $ - $ 7,956 $ - $ 7,956 Securities available-for-sale – federal agency debt - 3,050 - 3,050 At December 31, 2018: Securities available-for-sale – federal agency mortgage-backed $ - $ 9,508 $ - $ 9,508 Securities available-for-sale – federal agency debt 1,979 3,235 5,214 There were no transfers between Level 1, Level 2, or Level 3 during the years ended December 31, 2019 and 2018. Assets Measured on a Non-Recurring Basis Assets are considered to be reflected at fair value on a non-recurring basis if the fair value measurement of the instrument does not necessarily result in a change in the amount recorded on the statement of condition. Generally, a non-recurring valuation is the result of the application of other accounting pronouncements that require assets to be assessed for impairment or recorded at the lower of cost or fair value. The following table provides information regarding the carrying values of our assets measured at fair value on a non-recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy. December 31, 2019 December 31, 2018 (In thousands) Impaired loans carried at fair value of collateral $ 130 $ 591 Real estate owned - 833 The following table provides information regarding losses recognized on assets measured at fair value on a non-recurring basis for the years ended December 31, 2019 and 2018. For the year ended December 31, 2019 2018 (In thousands) Impaired loans carried at fair value of collateral $ - $ - Real estate owned - 45 Total $ - $ 45 Fair Values of Financial Instruments The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows: Carrying Value Fair Value Measurements at December 31, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Cash and cash equivalents $ 15,566 $ 15,566 $ - $ - $ 15,566 Securities available-for-sale 11,006 - 11,006 - 11,006 Loans receivable held for investment (1) 397,847 - - 404,923 404,923 Accrued interest receivable 1,223 69 22 1,132 1,223 Financial Liabilities: Deposits $ 297,724 $ - $ 289,629 $ - $ 289,629 Federal Home Loan Bank advances 84,000 - 84,997 - 84,997 Junior subordinated debentures 4,335 - - 3,734 3,734 Accrued interest payable 384 - 377 7 384 Carrying Value Fair Value Measurements at December 31, 2018 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Cash and cash equivalents $ 16,651 $ 16,651 $ - $ - $ 16,651 Securities available-for-sale 14,722 1,979 12,743 - 14,722 Loans receivable held for sale 6,231 - 6,270 - 6,270 Loans receivable held for investment 355,556 - - 354,792 354,792 Accrued interest receivable 1,143 78 43 1,022 1,143 Financial Liabilities: Deposits $ 281,414 $ - $ 269,418 $ - $ 269,418 Federal Home Loan Bank advances 70,000 - 69,933 - 69,933 Junior subordinated debentures 5,100 - - 4,481 4,481 Accrued interest payable 334 - 324 10 334 (1) The estimated value of loans held for investment at December 31, 2019 and 2018 reflect an exit price assumption.

Deposits (FY)

Deposits (FY)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	Note 8 – Deposits Deposits are summarized as follows: December 31, 2019 2018 (In thousands) NOW account and other demand deposits $ 9,768 $ 10,307 Non-interest bearing demand deposits 27,090 22,877 Money market deposits 23,589 29,948 Passbook 47,042 45,718 Certificates of deposit 190,235 172,564 Total $ 297,724 $ 281,414 The Bank accepts two types of deposits from a deposit placement service called the Certificate of Deposit Account Registry Service ("CDARS"). Reciprocal deposits are the Bank's own retail deposits in amounts in excess of the insured limits. The CDARS program allows banks to place their customers' funds in FDIC-insured certificates of deposit at other banks and, at the same time, receive an equal sum of funds from the customers of other banks in the CDARS Network. These deposits totaled $39.3 million and $33.7 million at December 31, 2019 and 2018, respectively and are not considered to be brokered deposits. One-way deposits are also available using the CDARS program. With the one-way program, the Bank accepts deposits from CDARS even though there is no customer account involved. These deposits totaled $40.7 million and $32.6 million at December 31, 2019 and 2018, respectively. The Bank did not have any (non-CDARS) brokered deposits at December 31, 2019. Brokered deposits (non-CDARS) totaled $9.9 million at December 31, 2018 matured in 2019. Scheduled maturities of certificates of deposit for the next five years are as follows: Maturity Amount (In thousands 2020 $ 168,441 2021 19,016 2022 1,806 2023 867 2024 105 Thereafter - $ 190,235 Certificates of deposit of $250 thousand or more totaled $25.1 million and $33.9 million at December 31, 2019 and 2018, respectively. Deposits from principal officers, directors, and their affiliates totaled $1.8 million at December 31, 2019 and 2018.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances (FY)	12 Months Ended
	Dec. 31, 2019
Federal Home Loan Bank Advances [Abstract]
Federal Home Loan Bank Advances	Note 9 – Federal Home Loan Bank Advances The following table summarizes information relating to FHLB advances at or for the periods indicated: At or For the Year Ended 2019 2018 (Dollars in thousands) FHLB Advances: Average balance outstanding during the year $ 77,049 $ 74,729 Maximum amount outstanding at any month-end during the year $ 84,000 $ 98,000 Balance outstanding at end of year $ 84,000 $ 70,000 Weighted average interest rate at end of year 2.32 % 2.51 % Average cost of advances during the year 2.42 % 2.13 % Weighted average contractual maturity (in months) 18 24 Each advance is payable at its maturity date, with a prepayment penalty. The advances were collateralized by $156.1 million and $151.0 million of first mortgage loans at year-end 2019 and 2018, respectively, under a blanket lien arrangement. Based on this collateral, the Company's holdings of FHLB stock and a general borrowing limit of 30% of total assets, the Company is eligible to borrow up to an additional $59.4 million at year-end 2019. Required payments over the next five years are as follows: Amount (In thousands) 2020 $ 33,500 2021 22,500 2022 18,000 2023 5,000 2024 5,000 $ 84,000

Junior Subordinated Debentures

Junior Subordinated Debentures (FY)	12 Months Ended
	Dec. 31, 2019
Junior Subordinated Debentures [Abstract]
Junior Subordinated Debentures	Note 10 – Junior Subordinated Debentures On March 17, 2004, the Company issued $6.0 million of Floating Rate Junior Subordinated Debentures (the "Debentures") in a private placement to a trust that was capitalized to purchase subordinated debt and preferred stock of multiple community banks. Interest on the Debentures is payable quarterly at a rate per annum equal to the 3-Month LIBOR plus 2.54%. The interest rate is determined as of each March 17, June 17, September 17, and December 17, and was 4.44% at December 31, 2019. On October 16, 2014, the Company made payments of $900 thousand of principal on Debentures, executed a Supplemental Indenture for the Debentures that extended the maturity of the Debentures to March 17, 2024, and modified the payment terms of the remaining $5.1 million principal amount thereof. The modified terms of the Debentures require quarterly payments of interest only through March 2019 at the original rate of 3-Month LIBOR plus 2.54%. Starting in June 2019, the Company is required to make quarterly payments of equal amounts of principal, plus interest, until the Debentures are fully amortized on March 17, 2024. During 2019, the Company paid $765 thousand of scheduled principal. The Debentures may be called for redemption at any time by the Company. Scheduled principal repayments of junior subordinated debentures over the next five years are as follows: Amount (In thousands) 2020 $ 1,020 2021 1,020 2022 1,020 2023 1,020 2024 255 $ 4,335

Employee Benefit Plans (FY)

Employee Benefit Plans (FY)	12 Months Ended
	Dec. 31, 2019
Employee Benefit Plans [Abstract]
Employee Benefit Plans	Note 11 – Employee Benefit Plans Broadway Federal 401(k) Plan A 401(k) benefit plan allows employee contributions for substantially all employees up to 15% of their compensation, which are matched at a rate equal to 50% of the first 6% of the compensation contributed. Expense totaled $135 thousand and $131 thousand for 2019 and 2018. ESOP Plan Employees participate in an Employee Stock Option Plan ("ESOP") after attaining certain age and service requirements. In December 2016, the ESOP purchased 1,493,679 shares of the Company's common stock at $1.59 per share, for a total cost of $2.4 million, of which $1.2 million was funded with a loan from the Company. The loan will be repaid from the Bank's annual discretionary contributions to the ESOP, net of dividends paid, over a period of 20 years. Shares of the Company's common stock purchased by the ESOP are held in a suspense account until released for allocation to participants. When loan payments are made, shares are allocated to each eligible participant based on the ratio of each such participant's compensation, as defined in the ESOP, to the total compensation of all eligible plan participants. As the unearned shares are released from the suspense account, the Company recognizes compensation expense equal to the fair value of the ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the ESOP shares released differs from the cost of such shares, the difference is charged or credited to equity as additional paid-in capital. Dividends on allocated shares increase participant accounts. Dividends on unallocated shares will be used to repay the loan. At the end of employment, participants will receive shares for their vested balance. Compensation expense related to the ESOP was $65 thousand for 2019 and $80 thousand for 2018. Shares held by the ESOP were as follows: December 31, 2019 December 31, 2018 (Dollars in thousands) Allocated to participants 1,024,429 1,036,809 Committed to be released 10,416 10,580 Suspense shares 603,876 646,033 Total ESOP shares 1,638,721 1,693,422 Fair value of unearned shares $ 930 $ 678 During 2019 and 2018, 42,321 and 42,009 of ESOP shares were released for allocation to participants, respectively. The outstanding balance of unearned ESOP shares at December 31, 2019 and 2018 were $959 thousand and $1.0 million, respectively, which is shown as Unearned ESOP shares in the equity section of the consolidated statements of financial condition.

Income Taxes (FY)

Income Taxes (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Income Taxes [Abstract]
Income Taxes	NOTE (13) – Income Taxes Income tax expense or benefit is computed by applying the statutory federal income tax rate of 21% and the California income tax rate of 10.84% to taxable income or loss. The Company recorded income tax expense of $95 thousand and income tax benefits of $300 thousand for the three and nine months ended September 30, 2020, respectively, compared to income tax benefits of $176 thousand and $262 thousand for the three and nine months ended September 30, 2019, respectively. The increase in income tax expense during the third quarter of 2020 was primarily due to non-deductible expenses of $556 thousand related to the City First Merger. The income tax benefit recorded during the nine months ended September 30, 2020 included a tax adjustment of $273 thousand upon the resolution of an outstanding audit issue with the California Franchise Tax Board for tax years 2009 to 2013, offset by the additional tax expense associated with the non-deductible merger related expenses. In addition, the Company recorded low-income housing tax credits of $29 thousand and $87 thousand during the third quarter and nine months of 2020, compared to $50 thousand and $149 thousand during the third quarter and nine months of 2019. The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry-forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the realization of deferred tax assets, management evaluates both positive and negative evidence, including the existence of cumulative losses in the current year and the prior two years, the amount of taxes paid in available carry-back years, the forecasts of future income and tax planning strategies. Based on this analysis, the Company determined that as of September 30, 2020, no valuation allowance was required on its deferred tax assets, which totaled $5.3 million.	Note 12 – Income Taxes The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry-forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Income tax (benefit) expense was as follows: 2019 2018 (In thousands) Current Federal $ (66 ) $ (110 ) State 5 12 Deferred Federal (225 ) 68 State (59 ) 86 Change in valuation allowance - - Total $ (345 ) $ 56 Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following: 2019 2018 (In thousands) Federal statutory rate times financial statement net (loss) income $ (115 ) $ 183 Effect of: State taxes, net of federal benefit (45 ) 77 Change in federal rate - - Earnings from bank owned life insurance (11 ) (16 ) Low income housing credits (198 ) (212 ) Change in valuation allowance - - Other, net 24 24 Total $ (345 ) $ 56 Year-end deferred tax assets and liabilities were due to the following: 2019 2018 (In thousands) Deferred tax assets: Allowance for loan losses $ 897 $ 799 Real estate owned - 65 Accrued liabilities 137 150 State income taxes 36 34 Stock compensation 202 165 Net operating loss carryforward 3,614 3,887 Non-accrual loan interest 1 3 Partnership investment 173 140 General business credit 1,859 1,661 Alternative minimum tax credit 94 151 Unrealized appreciation AFS - 50 Other 34 28 Total deferred tax assets 7,047 7,133 Deferred tax liabilities: Section 481 Adjustments to bad debts (660 ) (980 ) Deferred loan fees/costs (797 ) (775 ) Basis difference on fixed assets (15 ) (35 ) Net unrealized appreciation on available-for-sale securities (59 ) - FHLB stock dividends (266 ) (266 ) Mortgage servicing rights (3 ) (5 Prepaid expenses (27 ) (27 ) Total deferred tax liabilities (1,827 ) (2,088 ) Net deferred tax assets $ 5,220 $ 5,045 Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the realization of deferred tax assets, management evaluated both positive and negative evidence, the amount of taxes paid in available carry-back years, and the forecasts of future income and tax planning strategies. Based on this analysis, the Company determined that, as of December 31, 2019 and 2018, no valuation allowance was required on its deferred tax assets, which totaled $5.2 million and $5.0 million, respectively. As of December 31, 2019, the Company has federal net operating loss carryforwards of $7.2 million and California net operating loss carryforwards of $24.5 million, which begin expiring in 2031 through 2037 and 2031 through 2036, respectively. The Company also has federal general business credits of $1.8 million, expiring beginning in 2030 through 2037, and alternative minimum tax credit carryforwards of $59 thousand, which can be carried forward indefinitely. Prior to 2018, the Company computed its bad debt deduction for income tax purposes under the reserve method. In 2018, the Company requested, and the IRS consented to, a change in accounting method used for computing its tax bad debt deduction from the reserve method to the charge-off method as defined under Internal Revenue Code Section 166. As a result, the Company computes its tax bad debt deduction under the new method and is recapturing its excess tax bad debt reserve of $4.3 million into taxable income evenly over a 4 year period starting in 2018. At December 31, 2019 and 2018, the Company had $475 thousand in unrecognized tax benefits. This amount, if recognized, would favorably affect the income tax provision in future periods. The Company expects that the total amount of unrecognized tax benefits may decrease significantly within the next twelve months due to expected settlement with the state taxing authorities. During 2019 and 2018, $8 thousand and $5 thousand were accrued during each period for potential interest related to these unrecognized tax benefits. Federal tax years 2016 through 2019 remain open for the assessment of Federal income tax. Except for the issues under protest for the years listed below, California tax years 2015 through 2019 remain open for the assessment of California income tax. The Company is currently under examination by the California Franchise Tax Board ("FTB") for the 2009, 2010, and 2011 tax years. The FTB has proposed adjustments to the Company's California net operating loss carryforwards for items which the Company has established an unrecognized tax benefit. The Company has protested the FTB's adjustments and does not expect that significant additional tax expense will result.

Stock-Based Compensation (FY)

Stock-Based Compensation (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Stock-Based Compensation [Abstract]
Stock-based Compensation	NOTE (10) – Stock-based Compensation On July 25, 2018, the stockholders approved the 2018 Long-Term Incentive Plan (“2018 LTIP”). The 2018 LTIP permits the grant of non-qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards. The plan is in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. As of September 30, 2020, 629,267 shares had been awarded and 663,842 shares are available under the 2018 LTIP. In February 2020 and January 2019, the Company awarded 30,930 and 42,168 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested. The Company recorded $45 thousand and $52 thousand of compensation expense for the quarters ended March 31, 2020 and March 31, 2019, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. In February 2020, the Company awarded 140,218 shares of restricted stock to its officers and employees under the 2018 LTIP. None of these shares were forfeited as of September 30, 2020. In February 2019, the Company awarded 428,797 shares of restricted stock to its officers and employees and 12,033 shares were forfeited as of September 30, 2020. Each restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. These awarded shares of restricted stock are fully vested over a two-year period from their respective dates of grants. Stock based compensation expense is recognized on a straight-line basis over the vesting period. During the three and nine months ended September 30, 2020, the Company recorded $90 and $251 thousand of stock based compensation expense related to these awards, respectively. As of September 30, 2020, unrecognized compensation cost related to non-vested restricted stock awards was $251 thousand which is expected to be recognized over a period of 17 months. No stock options were granted during the three and nine months ended September 30, 2020 and 2019. The following table summarizes stock option activity during the nine months ended September 2020 and 2019: Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of period 455,000 $ 1.67 537,500 $ 2.19 Granted during period - - - - Exercised during period - - - - Forfeited or expired during period (5,000 ) 6.00 (82,500 ) 4.89 Outstanding at end of period 450,000 $ 1.62 455,000 $ 1.67 Exercisable at end of period 360,000 $ 1.62 275,000 $ 1.70 The Company recorded $10 thousand and $29 thousand of stock-based compensation expense related to stock options during the three and nine months ended September 30, 2020 and 2019, respectively. nrecognized compensation cost related to non-vested stock options granted under the plan was $16 thousand. The cost is expected to be recognized over a period of 5 months. Options outstanding and exercisable at September 30, 2020 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value February 24, 2016 450,000 5.40 years $ 1.62 360,000 $ 1.62 450,000 5.40 years $ 1.62 $ 22,000 360,000 $ 1.62 $ 22,000	Note 13 – Stock-Based Compensation Prior to July 25, 2018, the Company issued stock-based compensation awards to its directors and employees under the 2008 Long-Term Incentive Plan ("2008 LTIP"). The 2008 LTIP permitted the grant of non-qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards for up to 2,000,000 shares of common stock. As of July 25, 2018, the Company ceased granting awards under the 2008 LTIP. On July 25, 2018, the stockholders approved the 2018 Long-Term Incentive Plan ("2018 LTIP"). As with the 2008 LTIP, the 2018 LTIP permits the grant of non-qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards. The plan will be in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. As of December 31, 2019, 458,932 shares had been awarded and 834,177 shares are available under the 2018 LTIP. No stock options were granted during the years ended December 31, 2019 and December 31, 2018. The following table summarizes stock option activity during the years ended December 31, 2019 and 2018: 2019 2018 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of year 537,500 $ 2.19 537,500 $ 2.19 Granted during the year - - - - Exercised during the year - - - - Forfeited or expired during the year (82,500 ) 4.98 - - Outstanding at end of year 455,000 $ 1.67 537,500 $ 2.19 Exercisable at end of year 275,000 $ 1.70 267,500 $ 2.71 For each year of 2019 and 2018, the Company recorded $38 thousand and $39 thousand, respectively, of stock-based compensation expense related to stock options. As of December 31, 2019, unrecognized compensation cost related to non-vested stock options granted under the plan was $46 thousand. The cost is expected to be recognized over a period of 1.15 years. Options outstanding and exercisable at year-end 2019 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value January 21, 2010 5,000 0.05 year $ 6.00 5,000 $ 6.00 February 24, 2016 450,000 6.15 years $ 1.62 270,000 $ 1.62 455,000 6.08 years $ 1.67 $ - 275,000 $ 1.70 $ - In March 2016, the Company awarded 120,483 shares of restricted stock to its Chief Executive Officer ("CEO") under the 2008 LTIP. A restricted stock award is valued at the closing price of the Company's stock on the date of such award: 100,000 shares of restricted stock vested over a two-year period and the remaining 20,483 shares vested over a three-year period. Stock-based compensation expense is recognized over the vesting period. The Company recorded $3 thousand and $26 thousand of stock-based compensation expense related to this award during the three months ended March 31, 2019 and 2018, respectively. As of March 31, 2019, this restricted stock award was fully vested, and all compensation costs related to this vested restricted stock award were fully recognized. In February 2018 and April 2017, the Company awarded 97,195 and 129,270 of cash-settled restricted stock units ("RSUs") to its CEO under the 2008 LTIP. All RSUs vest at the end of two years from the date of the grant and are subject to forfeiture until vested. Each RSU entitles the CEO to receive cash equal to the fair market value of one share of common stock on the applicable payout date. Compensation expense is determined based on the fair value of the award and is re-measured at each reporting period and is classified as a liability in the consolidated statements of financial condition. The Company recorded $147 thousand and $54 thousand of compensation expense related to these awards during the years ended December 31, 2019 and 2018, respectively. As of February 28, 2020, the RSUs were fully vested, and all compensation costs related to the vested RSUs were fully recognized. In January 2019 and 2018, the Company awarded 42,168 and 18,906 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested. The Company recorded $52 thousand and $45 thousand of compensation expense for the quarters ended March 31, 2019 and March 31, 2018, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. In February of 2020, the Company awarded 30,930 shares of common stock to its directors under the 2018 LTIP which are fully vested and $45 thousand of compensation expense will be recognized in the first quarter of 2020. In February 2019, the Company awarded 428,797 shares of restricted stock to its officers and employees under the 2018 LTIP, of which 12,033 shares were forfeited as of December 31, 2019. A restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. These awarded shares of restricted stock are fully vested over a two-year period from date of grant. Stock based compensation expense is recognized on a straight line basis over the vesting period. The Company recorded $216 thousand of stock based compensation expense related to these awards during the year ended December 31, 2019. As of December 31, 2019, unrecognized compensation cost related to non-vested restricted stock awards was $299 thousand which is expected to be recognized over a period of 14 months. In February 2020, the Company awarded 140,218 shares of restricted stock to its officers and employees under the 2018 LTIP. As with the 2019 award, these shares will vest over a two year period and compensation expense will be recognized over a two-year period.

Capital and Regulatory Matters

Capital and Regulatory Matters (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Capital and Regulatory Matters [Abstract]
Capital and Regulatory Matters	NOTE (12) – Regulatory Matters The Bank’s capital requirements are administered by the Office of the Comptroller of the Currency (“OCC”) and involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action. The federal banking regulators approved final capital rules (“Basel III Capital Rules”) in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd-Frank Act. The Basel III Capital Rules prescribe a standardized approach for calculating risk-weighted assets and revised the definition and calculation of Tier 1 capital and Total capital, and include a new Common Equity Tier 1 capital (“CET1”) measure. Under the Basel III Capital Rules, the currently effective minimum capital ratios are: • 4.5% CET1 to risk-weighted assets; • 6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk-weighted assets; • 8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk-weighted assets; and • 4.0% Tier 1 capital to average consolidated assets (known as the “leverage ratio”). A capital conservation buffer is also required to be maintained above the regulatory minimum capital requirements. This capital conservation buffer was phased in on a schedule that began on January 1, 2016 at 0.625% of risk-weighted assets and increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019. The Basel III Capital rules also revised the previously existing prompt corrective action regulatory framework, which is designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. Under the prompt corrective action requirements, which complement the capital conservation buffer, insured depository institutions are required to meet the following increased capital level requirements in order to qualify as “well capitalized”: (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules). At September 30, 2020 and December 31, 2019, the Bank’s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2020: Tier 1 (Leverage) $ 47,779 9.84 % $ 19,429 4.00 % $ 24,286 5.00 % Common Equity Tier 1 $ 47,779 16.94 % $ 12,693 4.50 % $ 18,334 6.50 % Tier 1 $ 47,779 16.94 % $ 16,924 6.00 % $ 22,565 8.00 % Total Capital $ 51,053 18.10 % $ 22,565 8.00 % $ 28,206 10.00 % December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 %	Note 14 – Capital and Regulatory Matters The Bank's capital requirements are administered by the Office of the Comptroller of the Currency ("OCC") and involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action. The federal banking regulators approved final capital rules ("Basel III Capital Rules") in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd-Frank Act. The Basel III Capital Rules prescribe a standardized approach for calculating risk-weighted assets and revised the definition and calculation of Tier 1 capital and Total Capital, and include a new Common Equity Tier 1 capital ("CET1") measure. Under the Basel III Capital Rules, the currently effective minimum capital ratios are: • 4.5% CET1 to risk-weighted assets; • 6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk-weighted assets; • 8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk-weighted assets; and • 4.0% Tier 1 capital to average consolidated assets (known as the "leverage ratio"). A new capital conservation buffer was also established above the regulatory minimum capital requirements. This capital conservation buffer was phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019. The Basel III Capital rules also contain revisions to the prompt corrective action framework, which are designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions are now required to meet the following increased capital level requirements in order to qualify as "well capitalized": (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules). The Basel III Capital Rules became effective for the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). At December 31, 2019 and 2018, the Bank's level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 % December 31, 2018: Tier 1 (Leverage) $ 49,433 12.03 % $ 16,439 4.00 % $ 20,549 5.00 % Common Equity Tier 1 $ 49,433 19.32 % $ 18,494 4.50 % $ 16,634 6.50 % Tier 1 $ 49,433 19.32 % $ 24,659 6.00 % $ 20,472 8.00 % Total Capital $ 52,417 20.48 % $ 32,879 8.00 % $ 25,590 10.00 %

Loan Commitments and Other Rela

Loan Commitments and Other Related Activities (FY)	12 Months Ended
	Dec. 31, 2019
Loan Commitments and Other Related Activities [Abstract]
Loan Commitments and Other Related Activities	Note 15 – Loan Commitments and Other Related Activities Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance-sheet risk for credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. The contractual amounts of financial instruments with off-balance-sheet risk at year-end were as follows: 2019 2018 (In thousands) Commitments to make loans $ 5,930 $ 10,875 Unused lines of credit – variable rates 1,970 1,491 Commitments to make loans are generally made for periods of 60 days or less. At year-end 2019, loan commitments consisted of two multi-family residential loans with initial five-year interest rates ranging from 3.50% to 3.75%.

Parent Company Only Condensed F

Parent Company Only Condensed Financial Information (FY)	12 Months Ended
	Dec. 31, 2019
Parent Company Only Condensed Financial Information
Parent Company Only Condensed Financial Information	Note 16 – Parent Company Only Condensed Financial Information Condensed financial information of Broadway Financial Corporation follows: Condensed Balance Sheet December 31, 2019 2018 (In thousands) Assets Cash and cash equivalents $ 134 $ 156 Investment in bank subsidiary 50,594 51,221 Other assets 2,512 2,225 Total assets $ 53,240 $ 53,602 Liabilities and stockholders' equity Junior subordinated debentures $ 4,335 $ 5,100 Accrued expenses and other liabilities 57 66 Stockholders' equity 48,848 48,436 Total liabilities and stockholders' equity $ 53,240 $ 53,602 Condensed Statements of Income Years ended December 31, 2019 2018 (In thousands) Interest income $ 23 $ 25 Interest expense (247 ) (243 ) Other expense (720 ) (469 ) Loss before income tax and undistributed subsidiary income (944 ) (687 ) Income tax benefit (expense) 279 205 Equity in undistributed subsidiary income 459 1,297 Net income $ (206 ) $ 815 Condensed Statements of Cash Flows Years ended December 31, 2019 2018 (In thousands) Cash flows from operating activities Net (loss) income $ (206 ) $ 815 Adjustments to reconcile net (loss) income to net cash used in operating activities: Equity in undistributed subsidiary income (459 ) (1,297 ) Change in other assets (287 ) (210 ) Change in accrued expenses and other liabilities (9 ) (112 ) Net cash used in operating activities (961 ) (804 ) Cash flows from investing activities Dividends from bank subsidiary 1,650 600 Net cash provided by investing activities 1,650 600 Cash flows from financing activities Common stock repurchased for tax withholdings (14 ) (108 ) Repayments of borrowings (765 ) - Proceeds from repayment of ESOP loan 68 68 Net cash used in financing activities (711 ) (40 ) Net change in cash and cash equivalents (22 ) (244 ) Beginning cash and cash equivalents 156 400 Ending cash and cash equivalents $ 134 $ 156

(Loss) Earnings Per Common Shar

(Loss) Earnings Per Common Share (FY)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
(Loss) Earnings Per Common Share [Abstract]
(Loss) Earnings Per Common Share	NOTE (3) Loss Per Share of Common Stock Basic loss per share of common stock is computed pursuant to the two-class method by dividing net loss available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed loss attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted net loss per share of common stock includes the dilutive effect of unvested stock awards and additional potential common shares issuable under stock options. The following table shows how the Company computed basic and diluted loss per share of common stock for the periods indicated: For the three months ended September 30, For the nine months ended September 30, 2020 2019 2020 2019 (Dollars in thousands, except per share) Net loss $ (244 ) $ (279 ) $ (61 ) $ (137 ) Less net loss attributable to participating securities (2 ) (4 ) (1 ) (2 ) Loss available to common stockholders $ (242 ) $ (275 ) $ (60 ) $ (135 ) Weighted average common shares outstanding for basic loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Add: dilutive effects of assumed exercises of stock options - - - - Add: dilutive effects of unvested restricted stock awards - - - - Weighted average common shares outstanding for diluted loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Loss per common share - basic $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 ) Loss per common share - diluted $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 ) For the third quarter of 2020 and 2019, unvested restricted stock awards of 236,249 shares and 341,750 shares of common stock, respectively, and stock options for 450,000 shares and 455,000 shares of common stock, respectively, were not considered in computing diluted loss per common share because they were anti-dilutive.	Note 17 – (Loss) Earnings Per Common Share The factors used in the earnings per common share computation follow: 2019 2018 (Dollars in thousands, except share and per share) Net (loss) income $ (206 ) $ 815 Less net income attributable to participating securities - (3 ) (Loss) income available to common stockholders $ (206 ) $ 812 Weighted average common shares outstanding for basic earnings per common share 26,833,693 26,755,405 Add: dilutive effects of unvested restricted stock awards - 7,044 Weighted average common shares outstanding for diluted earnings per common share 26,833,693 26,762,449 (Loss) earnings per common share – basic $ (0.01 ) $ 0.03 (Loss) earnings per common share – diluted $ (0.01 ) $ 0.03 Stock options for 275,000 shares and 267,500 shares of common stock for the years ended December 31, 2019 and 2018, respectively, were not considered in computing diluted earnings per common share because they were anti-dilutive.

Subsequent Events (FY)

Subsequent Events (FY)	12 Months Ended
	Dec. 31, 2019
Subsequent Events [Abstract]
Subsequent Events	Note 18 – Subsequent Events Subsequent to year end, the World Health Organization declared the spread of Coronavirus Disease (COVID-19) a worldwide pandemic. The COVID-19 pandemic is having significant effects on global markets, supply chains, businesses, and communities. Specific to the Company, COVID-19 may impact various parts of its 2020 operations and financial results including but not limited to additional loan loss reserves, costs for emergency preparedness, or potential shortages of personnel. Management believes the Company is taking appropriate actions to mitigate the negative impact. However, the full impact of COVID-19 is unknown and cannot be reasonably estimated as these events occurred subsequent to year end and are still developing. Subsequent events have been evaluated through March 27, 2020, which is the date these financial statements were issued.

Basis of Financial Statement Pr

Basis of Financial Statement Presentation (Q3)	9 Months Ended
	Sep. 30, 2020
Basis of Financial Statement Presentation [Abstract]
Basis of Financial Statement Presentation	NOTE (1) – Basis of Financial Statement Presentation The accompanying unaudited consolidated financial statements include Broadway Financial Corporation (the “Company”) and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the “Bank”). Also included in the unaudited consolidated financial statements is Broadway Service Corporation, a wholly owned subsidiary of the Bank. All significant intercompany balances and transactions have been eliminated in consolidation. The unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions for quarterly reports on Form 10-Q. These unaudited consolidated financial statements do not include all disclosures associated with the Company’s consolidated annual financial statements included in its Annual Report on Form 10-K for the year ended December 31, 2019 and, accordingly, should be read in conjunction with such audited consolidated financial statements. In the opinion of management, all adjustments (all of which are normal and recurring in nature) considered necessary for a fair presentation have been included. Operating results for the three and nine months ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. On August 25, 2020, the Company entered into a definitive agreement to merge with CFBanc Corporation, a District of Columbia benefit corporation (“City First”). See Note 2 for more information. Recently Adopted Accounting Pronouncements In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. For debt securities with other-than-temporary impairment, the guidance will be applied prospectively. Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption. The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date. Subsequent changes in expected credit losses will be recorded through the allowance. For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective. On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (“SRCs”) as defined by the SEC. The final ASU, was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million. The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023. The estimated financial impact has not yet been determined. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company’s consolidated financial statements. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company’s consolidated financial statements. In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company’s consolidated financial statements. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform. This guidance is effective immediately and the amendments may be applied prospectively through December 31, 2022. This guidance did not have a significant impact on the Company’s consolidated financial statements as of September 30, 2020.

Pending Acquisition (Q3)

Pending Acquisition (Q3)	9 Months Ended
	Sep. 30, 2020
Pending Acquisition [Abstract]
Pending Acquisition	NOTE (2) – Pending Acquisition On August 25, 2020, the Company entered into an Agreement and Plan of Merger (the “Merger Agreement”) with City First. The Merger Agreement provides that, among other things and subject to the terms and conditions of the Merger Agreement, City First will merge with and into the Company (the “City First Merger”), with the Company surviving and continuing as the surviving entity. At the effective time of the City First Merger, (1) each share of City First’s Class A Common Stock, par value $0.50 per share, and Class B Common Stock, par value $0.50 per share, issued and outstanding immediately prior to the Effective Time (other than any shares owned by City First or the Company and any Dissenting Shares (as defined in the Merger Agreement)) will be converted into 13.626 validly issued, fully paid and nonassessable shares, respectively, of the voting common stock of the Company, par value $0.01 per share, which will be renamed Class A Common Stock, and a new class of non-voting common stock of the Company, par value $0.01 per share, which will be named Class B Common Stock, and (2) each share of Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series B, par value $0.50 per share, of City First (“City First Preferred Stock”) issued and outstanding immediately prior to the effective time of the City First Merger will be converted into one validly issued, fully paid and non-assessable share of a new series of preferred stock of the Company, which new series will be designated as the Company’s Fixed Rate Cumulative Redeemable Perpetual Preferred Stock, Series A, with such rights, preferences, privileges and voting powers, and limitations and restrictions thereof, which taken as a whole, are not materially less favorable to the holders of City First Preferred Stock than the rights, preferences, privileges and voting powers, and limitations and restrictions thereof of City First Preferred Stock. Immediately following the City First Merger, the Bank will merge with and into City First Bank of D.C., National Association (“CFB”), a wholly owned subsidiary of City First, with CFB continuing as the surviving entity. The unaudited pro forma information in the following table is intended for informational purposes only and is not necessarily indicative of future operating results or operating results that would have occurred had the mergers been completed at the beginning of each respective year. No assumptions have been applied to the pro forma results of operation regarding possible revenue enhancements, expense efficiencies or asset dispositions. Period ended, September 30, 2020 December 31, 2019 (Dollars in thousands, except per share) Net interest income $ 17,817 $ 23,606 Net income $ 2,090 $ 3,241 Basic earnings per share $ 0.04 $ 0.06 Diluted earnings per share $ 0.04 $ 0.06

Loss Per Share of Common Stock

Loss Per Share of Common Stock (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
(Loss) Earnings Per Common Share [Abstract]
Loss Per Share of Common Stock	NOTE (3) Loss Per Share of Common Stock Basic loss per share of common stock is computed pursuant to the two-class method by dividing net loss available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed loss attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted net loss per share of common stock includes the dilutive effect of unvested stock awards and additional potential common shares issuable under stock options. The following table shows how the Company computed basic and diluted loss per share of common stock for the periods indicated: For the three months ended September 30, For the nine months ended September 30, 2020 2019 2020 2019 (Dollars in thousands, except per share) Net loss $ (244 ) $ (279 ) $ (61 ) $ (137 ) Less net loss attributable to participating securities (2 ) (4 ) (1 ) (2 ) Loss available to common stockholders $ (242 ) $ (275 ) $ (60 ) $ (135 ) Weighted average common shares outstanding for basic loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Add: dilutive effects of assumed exercises of stock options - - - - Add: dilutive effects of unvested restricted stock awards - - - - Weighted average common shares outstanding for diluted loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Loss per common share - basic $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 ) Loss per common share - diluted $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 ) For the third quarter of 2020 and 2019, unvested restricted stock awards of 236,249 shares and 341,750 shares of common stock, respectively, and stock options for 450,000 shares and 455,000 shares of common stock, respectively, were not considered in computing diluted loss per common share because they were anti-dilutive.	Note 17 – (Loss) Earnings Per Common Share The factors used in the earnings per common share computation follow: 2019 2018 (Dollars in thousands, except share and per share) Net (loss) income $ (206 ) $ 815 Less net income attributable to participating securities - (3 ) (Loss) income available to common stockholders $ (206 ) $ 812 Weighted average common shares outstanding for basic earnings per common share 26,833,693 26,755,405 Add: dilutive effects of unvested restricted stock awards - 7,044 Weighted average common shares outstanding for diluted earnings per common share 26,833,693 26,762,449 (Loss) earnings per common share – basic $ (0.01 ) $ 0.03 (Loss) earnings per common share – diluted $ (0.01 ) $ 0.03 Stock options for 275,000 shares and 267,500 shares of common stock for the years ended December 31, 2019 and 2018, respectively, were not considered in computing diluted earnings per common share because they were anti-dilutive.

Securities (Q3)

Securities (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Securities [Abstract]
Securities	NOTE (4) Securities The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios as of the periods indicated and the corresponding amounts of unrealized gains which were recognized in accumulated other comprehensive (loss) income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) September 30, 2020: Federal agency mortgage-backed securities $ 6,182 $ 278 $ - $ 6,460 Federal agency debt 2,850 208 - 3,058 Municipal bonds 850 4 - 854 Total available-for-sale securities $ 9,882 $ 490 $ - $ 10,372 December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006 At September 30, 2020, the Bank had 4 federal agency debt securities with total amortized cost of $2.9 million, estimated total fair value of $3.1 million and an estimated average remaining life of 5.6 years. The Bank also had 22 federal agency mortgage-backed securities with total amortized cost of $6.2 million, estimated total fair value of $6.5 million and an estimated average remaining life of 2.9 years. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. There were no securities pledged to secure public deposits at September 30, 2020 and December 31, 2019. At September 30, 2020 and December 31, 2019, there were no holdings of securities by any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity. During the third quarter and the nine months of 2020, the Bank purchased two municipal bonds totaled $850 thousand at 1.41% weighted average rate and 7.0 years of weighted average life. There were no sales of securities during the three and nine months ended September 30, 2020 and 2019. The Bank held 26 and 24 securities with unrealized gains at September 30, 2020 and December 31, 2019, respectively. All the Bank’s securities were issued by the federal government or its agencies and municipalities. The unrealized gains on our available-for-sale securities at September 30, 2020 were primarily caused by movements in market interest rates subsequent to the purchase of such securities.	Note 2 – Securities The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios at December 31, 2019 and December 31, 2018 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006 December 31, 2018: Federal agency mortgage-backed securities $ 9,575 $ 88 $ (155 ) $ 9,508 Federal agency debt 5,317 - (103 ) 5,214 Total available-for-sale securities $ 14,892 $ 88 $ (258 ) $ 14,722 At December 31, 2019, the Bank had two federal agency debt securities with total amortized cost of $3.0 million and estimated total fair value of $3.1 million and an estimated average remaining life of 5.6 years. The Bank also had 22 federal agency mortgage-backed securities with total amortized cost of $7.8 million, estimated total fair value of $8.0 million and an estimated average remaining life of 4.4 years. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. In 2019, one federal agency debt security with total amount of $2.0 million matured. The Bank did not replace this matured security during 2019. At December 31, 2019 and 2018, there were no securities pledged to secure public deposits since those public deposits are under $250 thousand which are fully insured by FDIC. At December 31, 2019 and 2018, there were no holdings of securities by any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders' equity. There were no sales of securities during the years ended December 31, 2019 and 2018. The Bank held 24 securities with unrealized gains and no securities with unrealized losses at December 31, 2019, compared to no securities with unrealized gains and ten securities with unrealized losses at December 31, 2018. Securities in unrealized loss positions are analyzed as part of our ongoing assessment of other-than-temporary impairment. Consideration is given to the financial condition and near-term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and our intent and ability to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. All the Bank's securities were issued by the federal government or its agencies.

Loans Receivable Held for Sal_2

Loans Receivable Held for Sale (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Held for Sale [Abstract]
Loans Receivable Held for Sale	NOTE (5) Loans Receivable Held for Sale Loans receivable held for sale were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Gross loans receivable before deferred loan origination costs $ 40,503 $ - Net deferred loan origination costs 150 - Loans receivable held for sale, net $ 40,653 $ -	Note 3 – Loans Receivable Held for Sale The Bank had no loans held for sale as of December 31, 2019 and $6.2 million of loans held for sale as of December 31, 2018, which consisted of multi-family loans. As part of the Bank's loan concentration risk management program, $10.7 million of multi-family loans held for investment were transferred to the held-for-sale portfolio offset by $9.2 million of multi-family loans transferred from held for sale to held for investment portfolio during 2019. During 2018, the Bank transferred $16.9 million of multi-family loans held for sale to the loans held for investment portfolio. The Bank allocated $15.2 million, or 15%, of its multi-family loans originated during 2019 to loans held for sale compared to $20.2 million, or 20%, of its multi-family loan originations to loans held for sale during 2018. Loan sales of $22.8 million in multi-family loans were completed during 2019 for a total gain of $204 thousand. Loan sales of $19.3 million were completed during 2018 for a gain of $70 thousand. Loan repayments totaled $115 thousand during 2019 and $159 thousand during 2018.

Loans Receivable Held for Inv_2

Loans Receivable Held for Investment (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Held for Investment [Abstract]
Loans Receivable Held for Investment	NOTE (6) Loans Receivable Held for Investment Loans receivable held for investment were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Real estate: Single family $ 53,976 $ 72,883 Multi-family 269,874 287,378 Commercial real estate 20,025 14,728 Church 17,789 21,301 Construction 1,672 3,128 Commercial – other 302 262 Consumer 8 21 Gross loans receivable 363,646 399,701 Unamortized net deferred loan costs and premiums 1,362 1,328 Gross loans receivable 365,008 401,029 Allowance for loan losses (3,215 ) (3,182 ) Loans receivable, net $ 361,793 $ 397,847 The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: Three Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,424 $ 169 $ 282 $ 22 $ 6 $ - $ 3,215 Provision for (recapture of) loan losses 9 1 17 (28 ) - (1 ) 2 - Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Three Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 328 $ 1,932 $ 58 $ 401 $ 44 $ 5 $ 3 $ 2,771 Provision for (recapture of) loan losses - 66 - (24 ) 6 - (1 ) 47 Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818 Nine Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Provision for (recapture of) loan losses 5 106 53 (108 ) (26 ) (2 ) 1 29 Recoveries 4 - - - - - - 4 Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Nine Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (41 ) 118 6 (416 ) 31 (1 ) 2 (301 ) Recoveries - - - 190 - - - 190 Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818 The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of the dates indicated: September 30, 2020 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 91 $ - $ - $ 56 $ - $ 1 $ - $ 148 Collectively evaluated for impairment 230 2,425 186 198 22 4 2 3,067 Total ending allowance balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Loans: Loans individually evaluated for impairment $ 586 $ 304 $ - $ 3,860 $ - $ 49 $ - $ 4,799 Loans collectively evaluated for impairment 53,548 271,071 20,086 13,571 1,672 253 8 360,209 Total ending loans balance $ 54,134 $ 271,375 $ 20,086 $ 17,431 $ 1,672 $ 302 $ 8 $ 365,008 December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029 The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: September 30, 2020 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Single family $ 9 $ 8 $ - $ - $ - $ - Multi-family $ 304 $ 304 $ - 313 313 - Church $ 2,546 $ 1,999 $ - 3,491 2,446 - With an allowance recorded: Single family 578 578 91 593 593 60 Church 1,861 1,861 56 1,928 1,928 85 Commercial - other 50 49 1 63 63 2 Total $ 5,348 $ 4,799 $ 148 $ 6,388 $ 5,343 $ 147 The recorded investment in loans excludes accrued interest receivable due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for net charge-offs. The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income (In thousands) Single family $ 589 $ 7 $ 625 $ 7 Multi-family 305 5 317 6 Church 3,938 67 4,678 76 Commercial – other 50 1 63 1 Total $ 4,882 $ 80 $ 5,683 $ 90 Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 596 $ 22 $ 631 $ 22 Multi-family 308 16 320 17 Church 4,094 376 5,206 594 Commercial – other 57 3 63 3 Total $ 5,055 $ 417 $ 6,220 $ 636 Cash-basis interest income recognized represents cash received for interest payments on accruing impaired loans and interest recoveries on non-accrual loans that were paid off. Interest payments collected on non-accrual loans are characterized as payments of principal rather than payments of the outstanding accrued interest on the loans until the remaining principal on the non-accrual loans is considered to be fully collectible or paid off. When a loan is returned to accrual status, the interest payments that were previously applied to principal are deferred and amortized over the remaining life of the loan. Foregone interest income that would have been recognized had loans performed in accordance with their original terms amounted to $22 thousand and $41 thousand for the three months ended September 30, 2020 and 2019, respectively, and $67 thousand and $121 thousand for the nine months ended September 30, 2020 and 2019, respectively, and were not included in the consolidated results of operations. The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: September 30, 2020 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 76 $ 8 $ - $ 84 $ 54,050 $ 54,134 Multi-family - - - - 271,375 271,375 Commercial real estate - - - - 20,086 20,086 Church - - - - 17,431 17,431 Construction - - - - 1,672 1,672 Commercial - other - - - - 302 302 Consumer - - - - 8 8 Total $ 76 $ 8 $ - $ 84 $ 364,924 $ 365,008 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial - other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029 The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: September 30, 2020 December 31, 2019 (In thousands) Loans receivable held for investment: Single-family residence $ 8 $ 18 Church $ 812 406 Total non-accrual loans $ 820 $ 424 There were no loans 90 days or more delinquent that were accruing interest as of September 30, 2020 or December 31, 2019. None of the church non-accrual loans were delinquent, but none qualified for accrual status as of the periods indicated. Troubled Debt Restructurings In March 2020, a joint statement was issued by federal and state regulatory agencies, after consultation with the FASB, to clarify that short-term loan modifications, such as payment deferrals, fee waivers, extensions of repayment terms or other insignificant payment delays, are not TDRs if made on a good-faith basis in response to COVID-19 to borrowers who were current prior to any relief. Under this guidance, six months or less is provided as an example of short-term, and current is defined as less than 30 days past due at the time the modification program is implemented. The guidance also provides that these modified loans generally will not be classified as non-accrual loans during the term of the modification. The Bank has implemented a loan modification program for the effects of COVID-19 on its borrowers. At the date of this filing, no borrowers have requested loan modifications, and no modifications have been granted. At September 30, 2020, loans classified as troubled debt restructurings (“TDRs”) totaled $4.2 million, of which $243 thousand were included in non-accrual loans and $4.0 million were on accrual status. At December 31, 2019, loans classified as TDRs totaled $4.7 million, of which $406 thousand were included in non-accrual loans and $4.3 million were on accrual status. The Company has allocated $148 thousand and $147 thousand of specific reserves for accruing TDRs as of September 30, 2020 and December 31, 2019, respectively. TDRs on accrual status are comprised of loans that were accruing at the time of restructuring or loans that have complied with the terms of their restructured agreements for a satisfactory period of time and for which the Bank anticipates full repayment of both principal and interest. TDRs that are on non-accrual status can be returned to accrual status after a period of sustained performance, generally determined to be six months of timely payments, as modified. A well-documented credit analysis that supports a return to accrual status based on the borrower’s financial condition and prospects for repayment under the revised terms is also required. As of September 30, 2020 and December 31, 2019, the Company had no commitment to lend additional amounts to customers with outstanding loans that are classified as TDRs. No loans were modified during the three or nine months ended September 30, 2020 and 2019. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. For single family residential, consumer and other smaller balance homogenous loans, a credit grade is established at inception, and generally only adjusted based on performance. Information about payment status is disclosed elsewhere herein. The Company analyzes all other loans individually by classifying the loans as to credit risk. This analysis is performed at least on a quarterly basis. The Company uses the following definitions for risk ratings: ◾ Watch. ◾ Special Mention. ◾ Substandard. ◾ Doubtful. ◾ Loss. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Pass rated loans are generally well protected by the current net worth and paying capacity of the obligor and/or by the value of the underlying collateral. Pass rated loans are not more than 59 days past due and are generally performing in accordance with the loan terms. Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: September 30, 2020 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 54,127 $ - $ - $ 7 $ - $ - Multi-family 271,008 - - 367 - - Commercial real estate 18,590 1,496 - - - - Church 13,982 662 - 2,787 - - Construction 1,672 - - - - - Commercial - other 252 - - 50 - - Consumer 8 - - - - - Total $ 359,639 $ 2,158 $ - $ 3,211 $ - $ - December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3,691 - - Construction 3,125 - - - - - Commercial - other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ -	Note 4 – Loans Receivable Held for Investment Loans receivable held for investment were as follows as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Real estate: Single family $ 72,883 $ 91,835 Multi-family 287,378 231,870 Commercial real estate 14,728 5,802 Church 21,301 25,934 Construction 3,128 1,876 Commercial – other 262 226 Consumer 21 5 Gross loans receivable before deferred loan costs and premiums 399,701 357,548 Unamortized net deferred loan costs and premiums 1,328 937 Gross loans receivable 401,029 358,485 Allowance for loan losses (3,182 ) (2,929 ) Loans receivable, net $ 397,847 $ 355,556 The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: For the year ended December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (57 ) 439 81 (501 ) 29 1 1 (7 ) Recoveries - - - 260 - - - 260 Loans charged off - - - - - - - - Ending balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 For the year ended December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 594 $ 2,300 $ 71 $ 1,081 $ 17 $ 6 $ - $ 4,069 Recapture of loan losses (225 ) (420 ) (19 ) (592 ) 2 - - (1,254 Recoveries - - - 114 - - - 114 Loans charged off - - - - - - - - Ending balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated: December 31, 2019 Real Estate Single family Multi- family Commercial real estate C hurch Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289 ,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029 December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 53 $ - $ - $ 170 $ - $ 4 $ - $ 227 Collectively evaluated for impairment 316 1,880 52 433 19 2 - 2,702 Total ending allowance balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Loans: Loans individually evaluated for impairment $ 610 $ 323 $ - $ 5,383 $ - $ 64 $ - $ 6,380 Loans collectively evaluated for impairment 91,567 232,986 5,800 19,713 1,872 162 5 352,105 Total ending loans balance $ 92,177 $ 233,309 $ 5,800 $ 25,096 $ 1,872 $ 226 $ 5 $ 358,485 The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: December 31, 2019 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Multi-family $ 313 $ 313 $ - $ 323 $ 323 $ - Church 3,491 2,446 - 4,666 2,803 With an allowance recorded: Single family 593 593 60 610 610 53 Multi-family - - - - - - Church 1,928 1,928 85 2,580 2,580 170 Commercial – other 63 63 2 64 64 4 Total $ 6,388 $ 5,343 $ 147 $ 8,243 $ 6,380 $ 227 The recorded investment in loans excludes accrued interest receivable due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for net charge-offs. The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: For the year ended December 31, 2019 For the year ended December 31, 2018 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 626 $ 29 $ 618 $ 30 Multi-family 318 22 329 23 Commercial real estate - - - - Church 5,017 939 7,893 398 Commercial – other 63 5 64 4 Total $ 6,024 $ 995 $ 8,904 $ 455 Cash-basis interest income recognized represents cash received for interest payments on accruing impaired loans and interest recoveries on non-accrual loans that were paid off. Interest payments collected on non-accrual loans are characterized as payments of principal rather than payments of the outstanding accrued interest on the loans until the remaining principal on the non-accrual loans is considered to be fully collectible or paid off. When a loan is returned to accrual status, the interest payments that were previously applied to principal are deferred and amortized over the remaining life of the loan. Foregone interest income that would have been recognized had loans performed in accordance with their original terms amounted to $120 thousand and $280 thousand for the years ended December 31, 2019 and 2018, respectively, and were not included in the consolidated results of operations. The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial – other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 35 $ - $ - $ 35 $ 92,142 $ 92,177 Multi-family - - - - 233,309 233,309 Commercial real estate - - - - 5,800 5,800 Church - - - - 25,096 25,096 Construction - - - - 1,872 1,872 Commercial-other - - - - 226 226 Consumer - - - - 5 5 Total $ 35 $ - $ - $ 35 $ 358,450 $ 358,485 The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Loans receivable held for investment: Single family $ 18 $ - Church 406 911 Total non-accrual loans $ 424 $ 911 There were no loans 90 days or more delinquent that were accruing interest as of December 31, 2019 or December 31, 2018. Troubled Debt Restructurings At December 31, 2019, loans classified as troubled debt restructurings ("TDRs") totaled $4.7 million, of which $406 thousand were included in non-accrual loans and $4.3 million were on accrual status. At December 31, 2018, loans classified as TDRs totaled $6.4 million, of which $591 thousand were included in non-accrual loans and $5.8 million were on accrual status. The Company has allocated $147 thousand and $227 thousand of specific reserves for accruing TDRs as of December 31, 2019 and 2018, respectively. TDRs on accrual status are comprised of loans that were accruing at the time of restructuring or loans that have complied with the terms of their restructured agreements for a satisfactory period and for which the Bank anticipates full repayment of both principal and interest. TDRs that are on non-accrual status can be returned to accrual status after a period of sustained performance, generally determined to be six months of timely payments, as modified. A well-documented credit analysis that supports a return to accrual status based on the borrower's financial condition and prospects for repayment under the revised terms is also required. As of December 31, 2019 and 2018, the Company had no commitment to lend additional amounts to customers with outstanding loans that are classified as TDRs. No loans were modified during the years ended December 31, 2019 and 2018. Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. For single family residential, consumer and other smaller balance homogenous loans, a credit grade is established at inception, and generally only adjusted based on performance. Information about payment status is disclosed elsewhere herein. The Company analyzes all other loans individually by classifying the loans as to credit risk. This analysis is performed at least on a quarterly basis. The Company uses the following definitions for risk ratings: ■ Watch. ■ Special ■ Substandard. ■ Doubtful. ■ Loss. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Pass rated loans are generally well protected by the current net worth and paying capacity of the obligor and/or by the value of the underlying collateral. Pass rated loans are not more than 59 days past due and are generally performing in accordance with the loan terms. Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3 691 - - Construction 3,125 - - - - - Commercial – other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ - December 31, 2018 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 92,132 $ - $ 35 $ 10 $ - $ - Multi-family 232,642 - - 667 - - Commercial real estate 5,800 - - - - - Church 19,678 672 - 4,746 - - Construction 1,872 - - - - - Commercial – other 162 - - 64 - - Consumer 5 - - - - - Total $ 352,291 $ 672 $ 35 $ 5,487 $ - $ -

Leases (Q3)

Leases (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Leases	NOTE (7) Leases The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in office properties and equipment and other liabilities, respectively, in the consolidated statements of financial condition. Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard. The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not included in the lease term. The Bank recorded a ROU asset of $326 thousand and an operating lease liability of $332 thousand as of September 30, 2020. The Bank has no finance leases. The Bank recorded operating lease expense costs of $121 thousand and $123 thousand for the three months and $363 thousand and $368 thousand for the nine months ended September 30, 2020 and 2019, respectively. Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Quarter ended September 30, 2020 Nine Months ended September 30, 2020 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 88 $ 262 Weighted average remaining lease term in months 7 Weighted average discount rate 2.75 % The future minimum payments for operating leases with remaining terms of one year or more as of September 30, 2020 were as follows (in thousands): Three months ended December 31, 2020 $ 140 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 335 Amounts Representing Interest (3 ) Present Value of Net Future Minimum Lease Payments $ 332	Note 6 – Leases The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition. Our ROU asset represents our right to use an underlying asset during the lease term. Operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate at the date of implementation of the new accounting standard. The operating lease for our corporate headquarters and main retail branch has one 5-year extension option at the then fair market rate. As this extension option is not reasonably certain of exercise, it is not included in the lease term. The Bank recorded a ROU asset of $727 thousand and an operating lease liability of $735 thousand as of December 31, 2019. The Bank has no finance leases. Rent expense under the operating leases was $600 thousand for 2019 and $593 thousand for 2018. Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 542 ROU assets obtained in exchange for lease liabilities $ 727 Weighted average remaining lease term in months 16 Weighted average discount rate 2.75 % The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2019 were as follows (in thousands): Year ended December 31, 2020 $ 555 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 750 Amounts Representing Interest (15 ) Present Value of Net Future Minimum Lease Payments $ 735

Borrowings (Q3)

Borrowings (Q3)	9 Months Ended
	Sep. 30, 2020
Borrowings [Abstract]
Borrowings	NOTE (8) Borrowings At September 30, 2020 and December 31, 2019, the Bank had outstanding Advances from the Federal Home Loan Bank of San Francisco (“FHLB”) totaling $115.5 million and $84.0 million, respectively. The weighted rate interest rate was 1.85% and 2.32% as of September 30, 2020 and December 31, 2019, respectively. The weighted average contractual maturity was 28 months and 18 months as of September 30, 2020 and December 31, 2019, respectively. The advances were collateralized by $204.6 million and $156.1 million of first mortgage loans at September 30, 2020 and December 31, 2019, respectively. On March 17, 2004, the Company issued $6.0 million of Floating Rate Junior Subordinated Debentures (the “Debentures”) in a private placement to a trust that was capitalized to purchase subordinated debt and preferred stock of multiple community banks. Interest on the Debentures is payable quarterly at a rate per annum equal to the 3-Month LIBOR plus 2.54%. The interest rate is determined as of each March 17, June 17, September 17, and December 17, and was 2.79% at September 30, 2020. On October 16, 2014, the Company made payments of $900 thousand of principal on Debentures, executed a Supplemental Indenture for the Debentures that extended the maturity of the Debentures to March 17, 2024, and modified the payment terms of the remaining $5.1 million principal amount thereof. The modified terms of the Debentures require quarterly payments of interest only through March 2019 at the original rate of 3-Month LIBOR plus 2.54%. Starting in June 2019, the Company began making quarterly payments of equal amounts of principal, plus interest, and will continue until the Debentures are fully amortized on March 17, 2024. At September 30, 2020, the Company had repaid a total of $1.5 million of the scheduled principal. The Debentures may be called for redemption at any time by the Company.

Fair Value (Q3)

Fair Value (Q3)	9 Months Ended
	Sep. 30, 2020
Fair Value [Abstract]
Fair Value	NOTE (9) Fair Value The Company used the following methods and significant assumptions to estimate fair value: The fair values of securities available-for-sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2 inputs). The fair value of impaired loans that are collateral dependent is generally based upon the fair value of the collateral, which is obtained from recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Assets acquired through or by transfer in lieu of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at the lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated every nine months. These appraisals may utilize a single valuation approach or a combination of approaches, including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Appraisals for collateral-dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, an independent third-party licensed appraiser reviews the appraisals for accuracy and reasonableness, reviewing the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Assets Measured on a Recurring Basis Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurement Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total (In thousands) At September 30, 2020: Securities available-for-sale – federal agency mortgage-backed $ - $ 6,460 $ - $ 6,460 Securities available-for-sale – federal agency debt - 3,058 - 3,058 Municipal bonds - 854 - 854 At December 31, 2019: Securities available-for-sale – federal agency mortgage-backed $ - $ 7,956 $ - $ 7,956 Securities available-for-sale – federal agency debt - 3,050 - 3,050 There were no transfers between Level 1, Level 2, or Level 3 during the three and nine months ended September 30, 2020 and 2019. Assets Measured on a Non-Recurring Basis Assets are considered to be reflected at fair value on a non-recurring basis if the fair value measurement of the instrument does not necessarily result in a change in the amount recorded on the statements of financial condition. Generally, a non-recurring valuation is the result of the application of other accounting pronouncements that require assets to be assessed for impairment or recorded at the lower of cost or fair value. The following table provides information regarding the carrying values of our assets measured at fair value on a non-recurring basis as of the periods indicated. The fair value measurement for all of these assets falls within Level 3 of the fair value hierarchy. September 30, 2020 December 31, 2019 (In thousands) Impaired loans carried at fair value of collateral $ - $ 130 Fair Values of Financial Instruments The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments not recorded at fair value on a recurring basis as of September 30, 2020 and December 31, 2019. This table excludes financial instruments for which the carrying amount approximates fair value. For short-term financial assets such as cash and due from banks, interest-bearing deposits in other banks, and accrued interest receivable/payable, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For non-marketable equity securities such as Federal Home Loan Bank stock, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government supported institution or to another member institution. For financial liabilities such as noninterest-bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity. Fair Value Measurements at September 30, 2020 Carrying Value Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Loans receivable held for sale $ 40,653 $ - $ 40,667 $ - $ 40,667 Loans receivable held for investment 361,793 - - 366,160 366,160 Financial Liabilities: Time Deposits $ 147,703 $ - $ 148,380 $ - $ 148,380 Federal Home Loan Bank advances 115,500 - 119,334 - 119,334 Junior subordinated debentures 3,570 - - 3,029 3,029 Fair Value Measurements at December 31, 2019 Carrying Value Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Loans receivable held for sale $ - $ - $ - $ - $ - Loans receivable held for investment 397,847 - - 404,923 404,923 Financial Liabilities: Time Deposits $ 190,235 $ - $ 190,353 $ - $ 190,353 Federal Home Loan Bank advances 84,000 - 84,997 - 84,997 Junior subordinated debentures 4,335 - - 3,734 3,734 In accordance with ASU No. 2016-01, the fair value of certain financial assets and liabilities, including loans, time deposits, and junior subordinated debentures, as of September 30, 2020 and December 31, 2019 was measured using an exit price notion. Although the exit price notion represents the value that would be received to sell an asset or paid to transfer a liability, the actual price received for a sale of assets or paid to transfer liabilities could be different from exit price disclosed.

Stock-based Compensation (Q3)

Stock-based Compensation (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Stock-Based Compensation [Abstract]
Stock-based Compensation	NOTE (10) – Stock-based Compensation On July 25, 2018, the stockholders approved the 2018 Long-Term Incentive Plan (“2018 LTIP”). The 2018 LTIP permits the grant of non-qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards. The plan is in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. As of September 30, 2020, 629,267 shares had been awarded and 663,842 shares are available under the 2018 LTIP. In February 2020 and January 2019, the Company awarded 30,930 and 42,168 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested. The Company recorded $45 thousand and $52 thousand of compensation expense for the quarters ended March 31, 2020 and March 31, 2019, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. In February 2020, the Company awarded 140,218 shares of restricted stock to its officers and employees under the 2018 LTIP. None of these shares were forfeited as of September 30, 2020. In February 2019, the Company awarded 428,797 shares of restricted stock to its officers and employees and 12,033 shares were forfeited as of September 30, 2020. Each restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. These awarded shares of restricted stock are fully vested over a two-year period from their respective dates of grants. Stock based compensation expense is recognized on a straight-line basis over the vesting period. During the three and nine months ended September 30, 2020, the Company recorded $90 and $251 thousand of stock based compensation expense related to these awards, respectively. As of September 30, 2020, unrecognized compensation cost related to non-vested restricted stock awards was $251 thousand which is expected to be recognized over a period of 17 months. No stock options were granted during the three and nine months ended September 30, 2020 and 2019. The following table summarizes stock option activity during the nine months ended September 2020 and 2019: Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of period 455,000 $ 1.67 537,500 $ 2.19 Granted during period - - - - Exercised during period - - - - Forfeited or expired during period (5,000 ) 6.00 (82,500 ) 4.89 Outstanding at end of period 450,000 $ 1.62 455,000 $ 1.67 Exercisable at end of period 360,000 $ 1.62 275,000 $ 1.70 The Company recorded $10 thousand and $29 thousand of stock-based compensation expense related to stock options during the three and nine months ended September 30, 2020 and 2019, respectively. nrecognized compensation cost related to non-vested stock options granted under the plan was $16 thousand. The cost is expected to be recognized over a period of 5 months. Options outstanding and exercisable at September 30, 2020 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value February 24, 2016 450,000 5.40 years $ 1.62 360,000 $ 1.62 450,000 5.40 years $ 1.62 $ 22,000 360,000 $ 1.62 $ 22,000	Note 13 – Stock-Based Compensation Prior to July 25, 2018, the Company issued stock-based compensation awards to its directors and employees under the 2008 Long-Term Incentive Plan ("2008 LTIP"). The 2008 LTIP permitted the grant of non-qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards for up to 2,000,000 shares of common stock. As of July 25, 2018, the Company ceased granting awards under the 2008 LTIP. On July 25, 2018, the stockholders approved the 2018 Long-Term Incentive Plan ("2018 LTIP"). As with the 2008 LTIP, the 2018 LTIP permits the grant of non-qualified and incentive stock options, stock appreciation rights, full value awards and cash incentive awards. The plan will be in effect for ten years. The maximum number of shares that can be awarded under the plan is 1,293,109 shares of common stock. As of December 31, 2019, 458,932 shares had been awarded and 834,177 shares are available under the 2018 LTIP. No stock options were granted during the years ended December 31, 2019 and December 31, 2018. The following table summarizes stock option activity during the years ended December 31, 2019 and 2018: 2019 2018 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of year 537,500 $ 2.19 537,500 $ 2.19 Granted during the year - - - - Exercised during the year - - - - Forfeited or expired during the year (82,500 ) 4.98 - - Outstanding at end of year 455,000 $ 1.67 537,500 $ 2.19 Exercisable at end of year 275,000 $ 1.70 267,500 $ 2.71 For each year of 2019 and 2018, the Company recorded $38 thousand and $39 thousand, respectively, of stock-based compensation expense related to stock options. As of December 31, 2019, unrecognized compensation cost related to non-vested stock options granted under the plan was $46 thousand. The cost is expected to be recognized over a period of 1.15 years. Options outstanding and exercisable at year-end 2019 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value January 21, 2010 5,000 0.05 year $ 6.00 5,000 $ 6.00 February 24, 2016 450,000 6.15 years $ 1.62 270,000 $ 1.62 455,000 6.08 years $ 1.67 $ - 275,000 $ 1.70 $ - In March 2016, the Company awarded 120,483 shares of restricted stock to its Chief Executive Officer ("CEO") under the 2008 LTIP. A restricted stock award is valued at the closing price of the Company's stock on the date of such award: 100,000 shares of restricted stock vested over a two-year period and the remaining 20,483 shares vested over a three-year period. Stock-based compensation expense is recognized over the vesting period. The Company recorded $3 thousand and $26 thousand of stock-based compensation expense related to this award during the three months ended March 31, 2019 and 2018, respectively. As of March 31, 2019, this restricted stock award was fully vested, and all compensation costs related to this vested restricted stock award were fully recognized. In February 2018 and April 2017, the Company awarded 97,195 and 129,270 of cash-settled restricted stock units ("RSUs") to its CEO under the 2008 LTIP. All RSUs vest at the end of two years from the date of the grant and are subject to forfeiture until vested. Each RSU entitles the CEO to receive cash equal to the fair market value of one share of common stock on the applicable payout date. Compensation expense is determined based on the fair value of the award and is re-measured at each reporting period and is classified as a liability in the consolidated statements of financial condition. The Company recorded $147 thousand and $54 thousand of compensation expense related to these awards during the years ended December 31, 2019 and 2018, respectively. As of February 28, 2020, the RSUs were fully vested, and all compensation costs related to the vested RSUs were fully recognized. In January 2019 and 2018, the Company awarded 42,168 and 18,906 shares of common stock, respectively, to its directors under the 2018 LTIP, which are fully vested. The Company recorded $52 thousand and $45 thousand of compensation expense for the quarters ended March 31, 2019 and March 31, 2018, respectively, based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. In February of 2020, the Company awarded 30,930 shares of common stock to its directors under the 2018 LTIP which are fully vested and $45 thousand of compensation expense will be recognized in the first quarter of 2020. In February 2019, the Company awarded 428,797 shares of restricted stock to its officers and employees under the 2018 LTIP, of which 12,033 shares were forfeited as of December 31, 2019. A restricted stock award is valued based on the fair value of the stock, which was determined using the average of the high and the low price of the stock on the date of the award. These awarded shares of restricted stock are fully vested over a two-year period from date of grant. Stock based compensation expense is recognized on a straight line basis over the vesting period. The Company recorded $216 thousand of stock based compensation expense related to these awards during the year ended December 31, 2019. As of December 31, 2019, unrecognized compensation cost related to non-vested restricted stock awards was $299 thousand which is expected to be recognized over a period of 14 months. In February 2020, the Company awarded 140,218 shares of restricted stock to its officers and employees under the 2018 LTIP. As with the 2019 award, these shares will vest over a two year period and compensation expense will be recognized over a two-year period.

ESOP Plan (Q3)

ESOP Plan (Q3)	9 Months Ended
	Sep. 30, 2020
ESOP Plan [Abstract]
ESOP Plan	NOTE (11) – ESOP Plan Employees participate in an Employee Stock Ownership Plan (“ESOP”) after attaining certain age and service requirements. In December 2016, the ESOP purchased 1,493,679 shares of the Company’s common stock at $1.59 per share, for a total cost of $2.4 million, of which $1.2 million was funded with a loan from the Company. The loan will be repaid from the Bank’s annual discretionary contributions to the ESOP, net of dividends paid, over a period of 20 years. Shares of the Company’s common stock purchased by the ESOP are held in a suspense account until released for allocation to participants. When loan payments are made, shares are allocated to each eligible participant based on the ratio of each such participant’s compensation, as defined in the ESOP, to the total compensation of all eligible plan participants. As the unearned shares are released from the suspense account, the Company recognizes compensation expense equal to the fair value of the ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the ESOP shares released differs from the cost of such shares, the difference is charged or credited to equity as additional paid-in capital. Any dividends on allocated shares increase participant accounts. Any dividends on unallocated shares will be used to repay the loan. Participants will receive shares for their vested balance at the end of their employment. Compensation expense related to the ESOP was $18 thousand for both the three months ended September 30, 2020 and 2019, respectively, and was $50 thousand and $47 thousand for the nine months ended September 30, 2020 and 2019, respectively. Shares held by the ESOP were as follows: September 30, 2020 December 31, 2019 (Dollars in thousands) Allocated to participants 1,065,275 1,024,429 Committed to be released - 10,416 Suspense shares 572,627 603,876 Total ESOP shares 1,637,902 1,638,721 Fair value of unearned shares $ 962 $ 930 Unearned shares, which are reported as Unearned ESOP shares in the equity section of the consolidated statements of financial condition, were $909 thousand and $959 thousand at September 30, 2020 and December 31, 2019, respectively.

Regulatory Matters (Q3)

Regulatory Matters (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Capital and Regulatory Matters [Abstract]
Regulatory Matters	NOTE (12) – Regulatory Matters The Bank’s capital requirements are administered by the Office of the Comptroller of the Currency (“OCC”) and involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action. The federal banking regulators approved final capital rules (“Basel III Capital Rules”) in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd-Frank Act. The Basel III Capital Rules prescribe a standardized approach for calculating risk-weighted assets and revised the definition and calculation of Tier 1 capital and Total capital, and include a new Common Equity Tier 1 capital (“CET1”) measure. Under the Basel III Capital Rules, the currently effective minimum capital ratios are: • 4.5% CET1 to risk-weighted assets; • 6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk-weighted assets; • 8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk-weighted assets; and • 4.0% Tier 1 capital to average consolidated assets (known as the “leverage ratio”). A capital conservation buffer is also required to be maintained above the regulatory minimum capital requirements. This capital conservation buffer was phased in on a schedule that began on January 1, 2016 at 0.625% of risk-weighted assets and increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019. The Basel III Capital rules also revised the previously existing prompt corrective action regulatory framework, which is designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. Under the prompt corrective action requirements, which complement the capital conservation buffer, insured depository institutions are required to meet the following increased capital level requirements in order to qualify as “well capitalized”: (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules). At September 30, 2020 and December 31, 2019, the Bank’s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2020: Tier 1 (Leverage) $ 47,779 9.84 % $ 19,429 4.00 % $ 24,286 5.00 % Common Equity Tier 1 $ 47,779 16.94 % $ 12,693 4.50 % $ 18,334 6.50 % Tier 1 $ 47,779 16.94 % $ 16,924 6.00 % $ 22,565 8.00 % Total Capital $ 51,053 18.10 % $ 22,565 8.00 % $ 28,206 10.00 % December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 %	Note 14 – Capital and Regulatory Matters The Bank's capital requirements are administered by the Office of the Comptroller of the Currency ("OCC") and involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the OCC. Failure to meet capital requirements can result in regulatory action. The federal banking regulators approved final capital rules ("Basel III Capital Rules") in July 2013 implementing the Basel III framework as well as certain provisions of the Dodd-Frank Act. The Basel III Capital Rules prescribe a standardized approach for calculating risk-weighted assets and revised the definition and calculation of Tier 1 capital and Total Capital, and include a new Common Equity Tier 1 capital ("CET1") measure. Under the Basel III Capital Rules, the currently effective minimum capital ratios are: • 4.5% CET1 to risk-weighted assets; • 6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk-weighted assets; • 8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk-weighted assets; and • 4.0% Tier 1 capital to average consolidated assets (known as the "leverage ratio"). A new capital conservation buffer was also established above the regulatory minimum capital requirements. This capital conservation buffer was phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increased each subsequent year by an additional 0.625% until it reached its final level of 2.5% on January 1, 2019. The Basel III Capital rules also contain revisions to the prompt corrective action framework, which are designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions are now required to meet the following increased capital level requirements in order to qualify as "well capitalized": (i) a CET1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from previous rules); and (iv) a Tier 1 leverage ratio of 5% (unchanged from previous rules). The Basel III Capital Rules became effective for the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). At December 31, 2019 and 2018, the Bank's level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 % December 31, 2018: Tier 1 (Leverage) $ 49,433 12.03 % $ 16,439 4.00 % $ 20,549 5.00 % Common Equity Tier 1 $ 49,433 19.32 % $ 18,494 4.50 % $ 16,634 6.50 % Tier 1 $ 49,433 19.32 % $ 24,659 6.00 % $ 20,472 8.00 % Total Capital $ 52,417 20.48 % $ 32,879 8.00 % $ 25,590 10.00 %

Income Taxes (Q3)

Income Taxes (Q3)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Income Taxes [Abstract]
Income Taxes	NOTE (13) – Income Taxes Income tax expense or benefit is computed by applying the statutory federal income tax rate of 21% and the California income tax rate of 10.84% to taxable income or loss. The Company recorded income tax expense of $95 thousand and income tax benefits of $300 thousand for the three and nine months ended September 30, 2020, respectively, compared to income tax benefits of $176 thousand and $262 thousand for the three and nine months ended September 30, 2019, respectively. The increase in income tax expense during the third quarter of 2020 was primarily due to non-deductible expenses of $556 thousand related to the City First Merger. The income tax benefit recorded during the nine months ended September 30, 2020 included a tax adjustment of $273 thousand upon the resolution of an outstanding audit issue with the California Franchise Tax Board for tax years 2009 to 2013, offset by the additional tax expense associated with the non-deductible merger related expenses. In addition, the Company recorded low-income housing tax credits of $29 thousand and $87 thousand during the third quarter and nine months of 2020, compared to $50 thousand and $149 thousand during the third quarter and nine months of 2019. The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry-forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the realization of deferred tax assets, management evaluates both positive and negative evidence, including the existence of cumulative losses in the current year and the prior two years, the amount of taxes paid in available carry-back years, the forecasts of future income and tax planning strategies. Based on this analysis, the Company determined that as of September 30, 2020, no valuation allowance was required on its deferred tax assets, which totaled $5.3 million.	Note 12 – Income Taxes The Company and its subsidiary are subject to U.S. federal and state income taxes. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry-forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Income tax (benefit) expense was as follows: 2019 2018 (In thousands) Current Federal $ (66 ) $ (110 ) State 5 12 Deferred Federal (225 ) 68 State (59 ) 86 Change in valuation allowance - - Total $ (345 ) $ 56 Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following: 2019 2018 (In thousands) Federal statutory rate times financial statement net (loss) income $ (115 ) $ 183 Effect of: State taxes, net of federal benefit (45 ) 77 Change in federal rate - - Earnings from bank owned life insurance (11 ) (16 ) Low income housing credits (198 ) (212 ) Change in valuation allowance - - Other, net 24 24 Total $ (345 ) $ 56 Year-end deferred tax assets and liabilities were due to the following: 2019 2018 (In thousands) Deferred tax assets: Allowance for loan losses $ 897 $ 799 Real estate owned - 65 Accrued liabilities 137 150 State income taxes 36 34 Stock compensation 202 165 Net operating loss carryforward 3,614 3,887 Non-accrual loan interest 1 3 Partnership investment 173 140 General business credit 1,859 1,661 Alternative minimum tax credit 94 151 Unrealized appreciation AFS - 50 Other 34 28 Total deferred tax assets 7,047 7,133 Deferred tax liabilities: Section 481 Adjustments to bad debts (660 ) (980 ) Deferred loan fees/costs (797 ) (775 ) Basis difference on fixed assets (15 ) (35 ) Net unrealized appreciation on available-for-sale securities (59 ) - FHLB stock dividends (266 ) (266 ) Mortgage servicing rights (3 ) (5 Prepaid expenses (27 ) (27 ) Total deferred tax liabilities (1,827 ) (2,088 ) Net deferred tax assets $ 5,220 $ 5,045 Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the realization of deferred tax assets, management evaluated both positive and negative evidence, the amount of taxes paid in available carry-back years, and the forecasts of future income and tax planning strategies. Based on this analysis, the Company determined that, as of December 31, 2019 and 2018, no valuation allowance was required on its deferred tax assets, which totaled $5.2 million and $5.0 million, respectively. As of December 31, 2019, the Company has federal net operating loss carryforwards of $7.2 million and California net operating loss carryforwards of $24.5 million, which begin expiring in 2031 through 2037 and 2031 through 2036, respectively. The Company also has federal general business credits of $1.8 million, expiring beginning in 2030 through 2037, and alternative minimum tax credit carryforwards of $59 thousand, which can be carried forward indefinitely. Prior to 2018, the Company computed its bad debt deduction for income tax purposes under the reserve method. In 2018, the Company requested, and the IRS consented to, a change in accounting method used for computing its tax bad debt deduction from the reserve method to the charge-off method as defined under Internal Revenue Code Section 166. As a result, the Company computes its tax bad debt deduction under the new method and is recapturing its excess tax bad debt reserve of $4.3 million into taxable income evenly over a 4 year period starting in 2018. At December 31, 2019 and 2018, the Company had $475 thousand in unrecognized tax benefits. This amount, if recognized, would favorably affect the income tax provision in future periods. The Company expects that the total amount of unrecognized tax benefits may decrease significantly within the next twelve months due to expected settlement with the state taxing authorities. During 2019 and 2018, $8 thousand and $5 thousand were accrued during each period for potential interest related to these unrecognized tax benefits. Federal tax years 2016 through 2019 remain open for the assessment of Federal income tax. Except for the issues under protest for the years listed below, California tax years 2015 through 2019 remain open for the assessment of California income tax. The Company is currently under examination by the California Franchise Tax Board ("FTB") for the 2009, 2010, and 2011 tax years. The FTB has proposed adjustments to the Company's California net operating loss carryforwards for items which the Company has established an unrecognized tax benefit. The Company has protested the FTB's adjustments and does not expect that significant additional tax expense will result.

Concentration of Credit Risk (Q

Concentration of Credit Risk (Q3)	9 Months Ended
	Sep. 30, 2020
Concentration of Credit Risk [Abstract]
Concentration of Credit Risk	NOTE (14) – Concentration of Credit Risk As of September 30, 2020, the Bank has significant concentration of deposits with two customers that accounted for approximately 13% of its deposits, of which 8% belongs to one customer who has been banking with the Bank for more than 15 years. The Bank expects to maintain this relationship with this long-time customer.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (FY) (Policies)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Summary of Significant Accounting Policies [Abstract]
Nature of Operations and Principles of Consolidation	The accompanying unaudited consolidated financial statements include Broadway Financial Corporation (the “Company”) and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the “Bank”). Also included in the unaudited consolidated financial statements is Broadway Service Corporation, a wholly owned subsidiary of the Bank. All significant intercompany balances and transactions have been eliminated in consolidation.	Nature of Operations and Principles of Consolidation Broadway Financial Corporation (the "Company") is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the "Bank"). The Bank's business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2019, the Bank operated two retail-banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities. The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter-company transactions and balances have been eliminated in consolidation.
Use of Estimates		Use of Estimates To prepare consolidated financial statements in conformity with U.S. generally accepted accounting principles ("GAAP"), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ from these estimates. The allowance and provision for loan losses, specific reserves for impaired loans, fair value of real estate owned, deferred tax asset valuation allowance, and fair values of investment securities and other financial instruments are particularly subject to change.
Cash and Cash Equivalents		Cash and Cash Equivalents Cash and cash equivalents include cash on hand, cash items in the process of collection, amounts due from correspondent banks and the Federal Reserve Bank of San Francisco (the "Federal Reserve Bank"), and interest-bearing deposits in other banks with initial terms of ninety days or less. The Company may be required to maintain reserve and clearing balances with the Federal Reserve Bank under the Federal Reserve Act of 1913, as amended. The reserve and clearing requirement balance was $49 thousand at December 31, 2019. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other banks, deferred income taxes and other assets and liabilities.
Investment Securities		Investment Securities Debt securities are classified as held-to-maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Securities available-for-sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment ("OTTI") on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Consideration is given to the financial condition and near-term prospects of the issuer, the length of time and the extent to which the fair value has been less than the cost, and the intent and ability of management to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer's financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer's financial condition.
Loans Receivable Held for Sale		Loans Receivable Held for Sale The Bank originates loans for sale, and may, from time-to-time, decide to sell certain loans that are held for investment in order to manage loan concentrations. When a decision is made to sell loans, such loans are transferred from held-for-investment portfolio to held-for-sale portfolio at the lower of cost or fair value. If a reduction in value is required at time of the transfer, a charge-off is recorded against the allowance for loan and lease losses ("ALLL"). Any subsequent decline in value of the loans is recorded as a valuation allowance with a corresponding charge to non-interest expense. Transfers of loans are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been legally isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right), to pledge or exchange the transferred assets, and provides no more than a trivial benefit to the Bank, and (3) the Bank does not maintain effective control over the transferred assets. Loans receivable held for sale are generally sold with servicing rights released. Gains and losses on sales of loans are based on the difference between the selling price and the carrying value of the related loan sold. When loans receivable held for sale are sold, existing deferred loan fees or costs are an adjustment of the gain or loss on sale.
Loans Receivable Held for Investment		Loans Receivable Held for Investment Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of allowance for loan losses, deferred loan fees and costs and unamortized premiums and discounts. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct loan origination costs, premiums and discounts are deferred, and recognized in income using the level-yield method without anticipating prepayments. Interest income on all loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Concentration of Credit Risk		Concentration of Credit Risk Concentrations of credit risk arise when several customers are engaged in similar business activities, or activities in the same geographic region, or have similar economic features that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. The Company's lending activities are predominantly in real estate loans that are secured by properties located in Southern California and many of the borrowers reside in Southern California. Therefore, the Company's exposure to credit risk is significantly affected by changes in the economy and real estate market in the Southern California area. The Company has a significant concentration of deposits with a long-time customer that accounted for approximately 10% of its deposits as of December 31, 2019. The Company expects to maintain this relationship with the customer for the near term.
Loans Purchased		Loans Purchased The Bank purchases or participates in loans originated by other institutions from time to time. Subject to regulatory restrictions applicable to savings institutions, the Bank's current loan policies allow all loan types to be purchased. The determination to purchase specific loans or pools of loans is based upon the Bank's investment needs and market opportunities and is subject to the Bank's underwriting policies, which require consideration of the financial condition of the borrower and the appraised value of the property, among other factors. Premiums or discounts incurred upon the purchase of loans are recognized in income using the interest method over the estimated life of the loans, adjusted for actual prepayments. No loans were purchased during 2019 and 2018.
Allowance for Loan Losses		Allowance for Loan Losses The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent cash recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management's judgment, could be charged off. In addition, the OCC and FDIC periodically review the allowance for loan losses as an integral part of their examination process. These agencies may require an increase in the allowance for loan losses based on their judgments of the information available to them at the time of their examinations. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings ("TDR") and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, either a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan's existing rate or alternatively a charge-off is taken to record the loan at the fair value of the collateral, less estimated selling costs, if repayment is expected solely from the collateral. TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan's effective rate at inception. If a TDR is a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of any necessary additional charge-off based on internal analyses and appraisals of the underlying collateral securing these loans. The general component covers loans that are collectively evaluated for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment with the use of a loss migration analysis and is based on the actual loss history experienced by the Company over the most recent five years. This actual loss experience is supplemented with information about other current economic factors based on the risks present for each portfolio segment. These current economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: one-to-four units ("single family"), five or more units ("multi-family"), commercial real estate, church, construction, commercial loans, and consumer loans. The risks in our various portfolio segments are as follows: Single Family Multi-Family Commercial Real Estate Church Construction Commercial Consumer
Real Estate Owned		Real Estate Owned Assets acquired through, or by deed in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through a provision that is charged to non-interest expense. Operating costs after acquisition are expensed as incurred.
Office Properties and Equipment		Office Properties and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 10 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 10 years. Leasehold improvements are amortized over the lease term or the estimated useful life of the asset, whichever is shorter.
Federal Home Loan Bank (FHLB) stock		Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income when declared.
Bank-Owned Life Insurance		Bank-Owned Life Insurance The Bank has purchased life insurance policies on a former key executive. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Investment in Affordable Housing Limited Partnership		Investment in Affordable Housing Limited Partnership The Bank owns a less than 5% interest in an affordable housing limited partnership. The investment is recorded using the cost method and is being amortized over the life of the related tax credits. The tax credits are being recognized in income tax expense in the consolidated financial statements to the extent they are utilized on the Company's income tax returns. The investment is reviewed for impairment on an annual basis or on an interim basis if an event occurs that would trigger potential impairment.
Loan Commitments and Related Financial Instruments		Loan Commitments and Related Financial Instruments Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
Revenue Recognition		Revenue Recognition Accounting Standard Codification ("ASC") 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires the Company to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. Most of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans and investment securities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. The Company's revenue stream that is within the scope of Topic 606 is primarily service charges on deposit accounts, which consist of monthly service fees, check orders, and other deposit account related fees. The Company's performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transaction based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers' accounts.
Restricted Stock Units		Restricted Stock Units The Company may grant cash-settled restricted stock units ("RSUs") to its employees. Compensation cost is recognized over the vesting period based on the fair value of the award, which is re-measured at each reporting period. The fair value of the award is classified as a liability in the consolidated statements of financial condition.
Stock-Based Compensation		Stock-Based Compensation Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. Compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. The Company's accounting policy is to recognize forfeitures as they occur.
Income Taxes		Income Taxes Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. The Company recognizes interest related to income tax matters in interest expense and penalties related to tax matters in income tax expense.
Retirement Plans		Retirement Plans Employee 401(k) expense is the amount of matching contributions made by the Company.
Employee Stock Ownership Plan (ESOP)		Employee Stock Ownership Plan (ESOP) The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders' equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.
Earnings (Loss) Per Common Share		Earnings (Loss) Per Common Share Basic earnings (loss) per share of common stock is computed pursuant to the two-class method by dividing net income available to common stockholders less dividends paid on participating securities (unvested shares of restricted common stock) and any undistributed earnings attributable to participating securities by the weighted average common shares outstanding during the period. The weighted average common shares outstanding includes the weighted average number of shares of common stock outstanding less the weighted average number of unvested shares of restricted common stock. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings per share of common stock includes the dilutive effect of unvested stock awards and additional potential common shares issuable under stock options.
Comprehensive Income (Loss)		Comprehensive Income (Loss) Comprehensive income (loss) consists of net income (loss) and other comprehensive income or loss. Other comprehensive income or loss includes unrealized gains and losses on securities available-for-sale, net of tax, which are also recognized as separate components of equity.
Loss Contingencies		Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably estimated. Management does not believe that any such matters existed as of the balance sheet date that will have a material effect on the consolidated financial statements.
Fair Value Measurements		Fair Value Measurements Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability. Fair values are estimated using relevant market information and other assumptions, as more fully disclosed in Note 5. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
Operating Segments		Operating Segments The Company operates as a single segment. The operating information used by management to assess performance and make operating decisions about the Company is the consolidated financial data presented in these financial statements. For the years ended 2019 and 2018, the Company had one active operating subsidiary, Broadway Federal Bank, f.s.b. The Company has determined that banking is its one reportable business segment.
Reclassifications		Reclassifications Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year consolidated net income or stockholders' equity.
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. For debt securities with other-than-temporary impairment, the guidance will be applied prospectively. Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption. The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date. Subsequent changes in expected credit losses will be recorded through the allowance. For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective. On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (“SRCs”) as defined by the SEC. The final ASU, was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million. The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023. The estimated financial impact has not yet been determined. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company’s consolidated financial statements. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company’s consolidated financial statements. In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company’s consolidated financial statements. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform. This guidance is effective immediately and the amendments may be applied prospectively through December 31, 2022. This guidance did not have a significant impact on the Company’s consolidated financial statements as of September 30, 2020.	Recently Adopted Accounting Pronouncements In February 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-02, "Leases (Topic 842)," which is intended to increase transparency and comparability in the accounting for lease transactions. ASU 2016-02 became effective as of January 1, 2019 and provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at either the earliest period presented or the beginning of the period of adoption with the option to elect certain practical expedients. We have elected to apply ASU 2016-02 as of the beginning of the period of adoption, which was January 1, 2019 and we have elected not to restate comparative periods. All the expedients available under ASU 2016-02, have been adopted. The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. As a result of implementing ASU 2016-02, we recognized an operating lease right-of-use ("ROU") asset of $1.2 million and an operating lease liability of $1.2 million as of January 1, 2019, with no impact on our consolidated statements of operations or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition. See Note 6 – Leases for additional information. The implementation of this standard had a minor impact on our regulatory capital ratios. Recent Accounting Pronouncements Yet to Be Adopted – In June 2016, the FASB issued ASU 2016-13, "Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. For debt securities with other-than-temporary impairment, the guidance will be applied prospectively. Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption. The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date. Subsequent changes in expected credit losses will be recorded through the allowance. For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective. On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies ("SRCs") as defined by the SEC. The final ASU, was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million. The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023. The management has not yet determined its estimated financial impact. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments – Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance is not expected to have a significant impact on the Company's consolidated financial statements. In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company's consolidated financial statements.

Basis of Financial Statement _2

Basis of Financial Statement Presentation (Q3) (Policies)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Basis of Financial Statement Presentation [Abstract]
Consolidation	The accompanying unaudited consolidated financial statements include Broadway Financial Corporation (the “Company”) and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the “Bank”). Also included in the unaudited consolidated financial statements is Broadway Service Corporation, a wholly owned subsidiary of the Bank. All significant intercompany balances and transactions have been eliminated in consolidation.	Nature of Operations and Principles of Consolidation Broadway Financial Corporation (the "Company") is a Delaware corporation primarily engaged in the savings and loan business through its wholly owned subsidiary, Broadway Federal Bank, f.s.b. (the "Bank"). The Bank's business is that of a financial intermediary and consists primarily of attracting deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential and commercial real estate located in Southern California. At December 31, 2019, the Bank operated two retail-banking offices in Los Angeles, California and one in the nearby city of Inglewood, California. The Bank is subject to significant competition from other financial institutions and is also subject to regulation by certain federal agencies and undergoes periodic examinations by those regulatory authorities. The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Broadway Federal Bank, f.s.b. All significant inter-company transactions and balances have been eliminated in consolidation.
Basis of Presentation	The unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions for quarterly reports on Form 10-Q. These unaudited consolidated financial statements do not include all disclosures associated with the Company’s consolidated annual financial statements included in its Annual Report on Form 10-K for the year ended December 31, 2019 and, accordingly, should be read in conjunction with such audited consolidated financial statements. In the opinion of management, all adjustments (all of which are normal and recurring in nature) considered necessary for a fair presentation have been included. Operating results for the three and nine months ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. On August 25, 2020, the Company entered into a definitive agreement to merge with CFBanc Corporation, a District of Columbia benefit corporation (“City First”). See Note 2 for more information.
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. For debt securities with other-than-temporary impairment, the guidance will be applied prospectively. Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption. The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date. Subsequent changes in expected credit losses will be recorded through the allowance. For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective. On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies (“SRCs”) as defined by the SEC. The final ASU, was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million. The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023. The estimated financial impact has not yet been determined. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. This guidance did not have a significant impact on the Company’s consolidated financial statements. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance did not have a significant impact on the Company’s consolidated financial statements. In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company’s consolidated financial statements. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU provides optional expedients and exceptions regarding the accounting related to the modifications of certain contracts, relationships and other transactions that are affected by reference rate reform related to contracts that reference LIBOR or other reference rates that could be discontinued due to reference rate reform. This guidance is effective immediately and the amendments may be applied prospectively through December 31, 2022. This guidance did not have a significant impact on the Company’s consolidated financial statements as of September 30, 2020.	Recently Adopted Accounting Pronouncements In February 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-02, "Leases (Topic 842)," which is intended to increase transparency and comparability in the accounting for lease transactions. ASU 2016-02 became effective as of January 1, 2019 and provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at either the earliest period presented or the beginning of the period of adoption with the option to elect certain practical expedients. We have elected to apply ASU 2016-02 as of the beginning of the period of adoption, which was January 1, 2019 and we have elected not to restate comparative periods. All the expedients available under ASU 2016-02, have been adopted. The Bank has a combined operating lease for its corporate headquarters and main retail branch and a photocopier lease. As a result of implementing ASU 2016-02, we recognized an operating lease right-of-use ("ROU") asset of $1.2 million and an operating lease liability of $1.2 million as of January 1, 2019, with no impact on our consolidated statements of operations or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in fixed assets and other liabilities, respectively, in the consolidated statements of financial condition. See Note 6 – Leases for additional information. The implementation of this standard had a minor impact on our regulatory capital ratios. Recent Accounting Pronouncements Yet to Be Adopted – In June 2016, the FASB issued ASU 2016-13, "Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." ASU 2016-13 replaces the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (CECL) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables, held-to-maturity debt securities, and reinsurance receivables. It also applies to off-balance sheet credit exposures not accounted for as insurance (such as loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor. For debt securities with other-than-temporary impairment, the guidance will be applied prospectively. Existing purchased credit impaired (PCI) assets will be grandfathered and classified as purchased credit deteriorated (PCD) assets at the date of adoption. The asset will be grossed up for the allowance for expected credit losses for all PCD assets at the date of adoption and will continue to recognize the noncredit discount in interest income based on the yield of such assets as of the adoption date. Subsequent changes in expected credit losses will be recorded through the allowance. For all other assets within the scope of CECL, a cumulative-effect adjustment will be recognized in retained earnings as of the beginning of the first reporting period in which the guidance is effective. On October 16, 2019, the FASB voted to affirm the proposed amended effective date for ASU 2016-13 for smaller reporting companies ("SRCs") as defined by the SEC. The final ASU, was issued in November 2019, delays the implementation date for ASU 2016-13 to fiscal years beginning after December 15, 2022. SRCs are defined as companies with less than $250 million of public float or less than $100 million in annual revenues for the previous year and no public float or public float of less than $700 million. The Company qualifies as an SRC, and management will implement ASU 2016-13 in the first quarter of 2023. The management has not yet determined its estimated financial impact. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This ASU is effective January 1, 2020 and clarifies the scope of the credit losses standard and addresses issues related to accrued interest receivable balances, recoveries, variable interest rates and prepayments, among other things. The amendments to Topic 326 have the same effective dates as ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments – Credit Losses (Topic 326): Targeted Transition Relief. This ASU allows entities to irrevocably elect the fair value option on an instrument-by-instrument basis for eligible financial assets measured at amortized cost basis upon adoption of the credit loss standards. The effective date for this ASU is the same as for ASU 2016-13. We will evaluate this ASU in conjunction with ASU 2016-13 to determine its impact on our financial condition and results of operations. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The ASU was issued to improve the effectiveness of disclosures surrounding fair value measurements. The ASU removes numerous disclosures from Topic 820 including transfers between level 1 and 2 of the fair value hierarchy, the policy for timing of transfers between levels, and the valuation process for level 3 fair value measurements. The ASU also modified and added disclosure requirements regarding changes in unrealized gains and losses included in other comprehensive income, as well as the range and weighted average of unobservable inputs for level 3 fair value measurements. The ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019, with early adoption permitted. The guidance is not expected to have a significant impact on the Company's consolidated financial statements. In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The amendments in this ASU are intended to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740. The amendments are also intended to improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. We are currently in the process of evaluating the impact of this ASU on the Company's consolidated financial statements.

Securities (FY) (Tables)

Securities (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Securities [Abstract]
Available-for-Sale Investment Securities Portfolios	The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios as of the periods indicated and the corresponding amounts of unrealized gains which were recognized in accumulated other comprehensive (loss) income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) September 30, 2020: Federal agency mortgage-backed securities $ 6,182 $ 278 $ - $ 6,460 Federal agency debt 2,850 208 - 3,058 Municipal bonds 850 4 - 854 Total available-for-sale securities $ 9,882 $ 490 $ - $ 10,372 December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006	The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios at December 31, 2019 and December 31, 2018 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006 December 31, 2018: Federal agency mortgage-backed securities $ 9,575 $ 88 $ (155 ) $ 9,508 Federal agency debt 5,317 - (103 ) 5,214 Total available-for-sale securities $ 14,892 $ 88 $ (258 ) $ 14,722

Loans Receivable Held for Inv_3

Loans Receivable Held for Investment (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Held for Investment [Abstract]
Loans Receivable Held for Investment	Loans receivable held for investment were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Real estate: Single family $ 53,976 $ 72,883 Multi-family 269,874 287,378 Commercial real estate 20,025 14,728 Church 17,789 21,301 Construction 1,672 3,128 Commercial – other 302 262 Consumer 8 21 Gross loans receivable 363,646 399,701 Unamortized net deferred loan costs and premiums 1,362 1,328 Gross loans receivable 365,008 401,029 Allowance for loan losses (3,215 ) (3,182 ) Loans receivable, net $ 361,793 $ 397,847	Loans receivable held for investment were as follows as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Real estate: Single family $ 72,883 $ 91,835 Multi-family 287,378 231,870 Commercial real estate 14,728 5,802 Church 21,301 25,934 Construction 3,128 1,876 Commercial – other 262 226 Consumer 21 5 Gross loans receivable before deferred loan costs and premiums 399,701 357,548 Unamortized net deferred loan costs and premiums 1,328 937 Gross loans receivable 401,029 358,485 Allowance for loan losses (3,182 ) (2,929 ) Loans receivable, net $ 397,847 $ 355,556
Activity in Allowance for Loan Losses by Loan Type	The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: Three Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,424 $ 169 $ 282 $ 22 $ 6 $ - $ 3,215 Provision for (recapture of) loan losses 9 1 17 (28 ) - (1 ) 2 - Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Three Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 328 $ 1,932 $ 58 $ 401 $ 44 $ 5 $ 3 $ 2,771 Provision for (recapture of) loan losses - 66 - (24 ) 6 - (1 ) 47 Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818 Nine Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Provision for (recapture of) loan losses 5 106 53 (108 ) (26 ) (2 ) 1 29 Recoveries 4 - - - - - - 4 Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Nine Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (41 ) 118 6 (416 ) 31 (1 ) 2 (301 ) Recoveries - - - 190 - - - 190 Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818	The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: For the year ended December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (57 ) 439 81 (501 ) 29 1 1 (7 ) Recoveries - - - 260 - - - 260 Loans charged off - - - - - - - - Ending balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 For the year ended December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 594 $ 2,300 $ 71 $ 1,081 $ 17 $ 6 $ - $ 4,069 Recapture of loan losses (225 ) (420 ) (19 ) (592 ) 2 - - (1,254 Recoveries - - - 114 - - - 114 Loans charged off - - - - - - - - Ending balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929
Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method	The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of the dates indicated: September 30, 2020 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 91 $ - $ - $ 56 $ - $ 1 $ - $ 148 Collectively evaluated for impairment 230 2,425 186 198 22 4 2 3,067 Total ending allowance balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Loans: Loans individually evaluated for impairment $ 586 $ 304 $ - $ 3,860 $ - $ 49 $ - $ 4,799 Loans collectively evaluated for impairment 53,548 271,071 20,086 13,571 1,672 253 8 360,209 Total ending loans balance $ 54,134 $ 271,375 $ 20,086 $ 17,431 $ 1,672 $ 302 $ 8 $ 365,008 December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029	The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated: December 31, 2019 Real Estate Single family Multi- family Commercial real estate C hurch Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289 ,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029 December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 53 $ - $ - $ 170 $ - $ 4 $ - $ 227 Collectively evaluated for impairment 316 1,880 52 433 19 2 - 2,702 Total ending allowance balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Loans: Loans individually evaluated for impairment $ 610 $ 323 $ - $ 5,383 $ - $ 64 $ - $ 6,380 Loans collectively evaluated for impairment 91,567 232,986 5,800 19,713 1,872 162 5 352,105 Total ending loans balance $ 92,177 $ 233,309 $ 5,800 $ 25,096 $ 1,872 $ 226 $ 5 $ 358,485
Loans Individually Evaluated for Impairment by Loan Type	The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: September 30, 2020 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Single family $ 9 $ 8 $ - $ - $ - $ - Multi-family $ 304 $ 304 $ - 313 313 - Church $ 2,546 $ 1,999 $ - 3,491 2,446 - With an allowance recorded: Single family 578 578 91 593 593 60 Church 1,861 1,861 56 1,928 1,928 85 Commercial - other 50 49 1 63 63 2 Total $ 5,348 $ 4,799 $ 148 $ 6,388 $ 5,343 $ 147	The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: December 31, 2019 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Multi-family $ 313 $ 313 $ - $ 323 $ 323 $ - Church 3,491 2,446 - 4,666 2,803 With an allowance recorded: Single family 593 593 60 610 610 53 Multi-family - - - - - - Church 1,928 1,928 85 2,580 2,580 170 Commercial – other 63 63 2 64 64 4 Total $ 6,388 $ 5,343 $ 147 $ 8,243 $ 6,380 $ 227
Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income	The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income (In thousands) Single family $ 589 $ 7 $ 625 $ 7 Multi-family 305 5 317 6 Church 3,938 67 4,678 76 Commercial – other 50 1 63 1 Total $ 4,882 $ 80 $ 5,683 $ 90 Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 596 $ 22 $ 631 $ 22 Multi-family 308 16 320 17 Church 4,094 376 5,206 594 Commercial – other 57 3 63 3 Total $ 5,055 $ 417 $ 6,220 $ 636	The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: For the year ended December 31, 2019 For the year ended December 31, 2018 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 626 $ 29 $ 618 $ 30 Multi-family 318 22 329 23 Commercial real estate - - - - Church 5,017 939 7,893 398 Commercial – other 63 5 64 4 Total $ 6,024 $ 995 $ 8,904 $ 455
Aging of Recorded Investment in Past Due Loans by Loan Type	The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: September 30, 2020 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 76 $ 8 $ - $ 84 $ 54,050 $ 54,134 Multi-family - - - - 271,375 271,375 Commercial real estate - - - - 20,086 20,086 Church - - - - 17,431 17,431 Construction - - - - 1,672 1,672 Commercial - other - - - - 302 302 Consumer - - - - 8 8 Total $ 76 $ 8 $ - $ 84 $ 364,924 $ 365,008 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial - other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029	The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial – other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 35 $ - $ - $ 35 $ 92,142 $ 92,177 Multi-family - - - - 233,309 233,309 Commercial real estate - - - - 5,800 5,800 Church - - - - 25,096 25,096 Construction - - - - 1,872 1,872 Commercial-other - - - - 226 226 Consumer - - - - 5 5 Total $ 35 $ - $ - $ 35 $ 358,450 $ 358,485
Recorded Investment in Non-accrual Loans by Loan Type	The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: September 30, 2020 December 31, 2019 (In thousands) Loans receivable held for investment: Single-family residence $ 8 $ 18 Church $ 812 406 Total non-accrual loans $ 820 $ 424	The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Loans receivable held for investment: Single family $ 18 $ - Church 406 911 Total non-accrual loans $ 424 $ 911
Risk Categories of Loans by Loan Type	Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: September 30, 2020 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 54,127 $ - $ - $ 7 $ - $ - Multi-family 271,008 - - 367 - - Commercial real estate 18,590 1,496 - - - - Church 13,982 662 - 2,787 - - Construction 1,672 - - - - - Commercial - other 252 - - 50 - - Consumer 8 - - - - - Total $ 359,639 $ 2,158 $ - $ 3,211 $ - $ - December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3,691 - - Construction 3,125 - - - - - Commercial - other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ -	Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3 691 - - Construction 3,125 - - - - - Commercial – other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ - December 31, 2018 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 92,132 $ - $ 35 $ 10 $ - $ - Multi-family 232,642 - - 667 - - Commercial real estate 5,800 - - - - - Church 19,678 672 - 4,746 - - Construction 1,872 - - - - - Commercial – other 162 - - 64 - - Consumer 5 - - - - - Total $ 352,291 $ 672 $ 35 $ 5,487 $ - $ -

Office Properties and Equipme_2

Office Properties and Equipment, net (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Office Properties and Equipment, net [Abstract]
Office Properties and Equipment	Year-end office properties and equipment were as follows: 2019 2018 (In thousands) Land $ 572 $ 572 Office buildings and improvements 3,268 3,264 Rights of use assets 727 - Furniture, fixtures and equipment 1,831 1,794 6,398 5,630 Less accumulated depreciation (3,615 ) (3,388 Office properties and equipment, net $ 2,783 $ 2,242

Leases (FY) (Tables)

Leases (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Additional Information Related to Operating Leases	Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Quarter ended September 30, 2020 Nine Months ended September 30, 2020 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 88 $ 262 Weighted average remaining lease term in months 7 Weighted average discount rate 2.75 %	Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 542 ROU assets obtained in exchange for lease liabilities $ 727 Weighted average remaining lease term in months 16 Weighted average discount rate 2.75 %
Future Minimum Lease Payments for Operating Lease	The future minimum payments for operating leases with remaining terms of one year or more as of September 30, 2020 were as follows (in thousands): Three months ended December 31, 2020 $ 140 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 335 Amounts Representing Interest (3 ) Present Value of Net Future Minimum Lease Payments $ 332	The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2019 were as follows (in thousands): Year ended December 31, 2020 $ 555 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 750 Amounts Representing Interest (15 ) Present Value of Net Future Minimum Lease Payments $ 735

Fair Value (FY) (Tables)

Fair Value (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Fair Value [Abstract]
Assets Measured on Recurring Basis	Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurement Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total (In thousands) At September 30, 2020: Securities available-for-sale – federal agency mortgage-backed $ - $ 6,460 $ - $ 6,460 Securities available-for-sale – federal agency debt - 3,058 - 3,058 Municipal bonds - 854 - 854 At December 31, 2019: Securities available-for-sale – federal agency mortgage-backed $ - $ 7,956 $ - $ 7,956 Securities available-for-sale – federal agency debt - 3,050 - 3,050	Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurement Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total (In thousands) At December 31, 2019: Securities available-for-sale – federal agency mortgage-backed $ - $ 7,956 $ - $ 7,956 Securities available-for-sale – federal agency debt - 3,050 - 3,050 At December 31, 2018: Securities available-for-sale – federal agency mortgage-backed $ - $ 9,508 $ - $ 9,508 Securities available-for-sale – federal agency debt 1,979 3,235 5,214
Assets Measured on Non-Recurring Basis	The following table provides information regarding the carrying values of our assets measured at fair value on a non-recurring basis as of the periods indicated. The fair value measurement for all of these assets falls within Level 3 of the fair value hierarchy. September 30, 2020 December 31, 2019 (In thousands) Impaired loans carried at fair value of collateral $ - $ 130	The following table provides information regarding the carrying values of our assets measured at fair value on a non-recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy. December 31, 2019 December 31, 2018 (In thousands) Impaired loans carried at fair value of collateral $ 130 $ 591 Real estate owned - 833
Losses Recognized on Assets Measured at Fair Value on Non-Recurring Basis		The following table provides information regarding losses recognized on assets measured at fair value on a non-recurring basis for the years ended December 31, 2019 and 2018. For the year ended December 31, 2019 2018 (In thousands) Impaired loans carried at fair value of collateral $ - $ - Real estate owned - 45 Total $ - $ 45
Fair Values of Financial Instruments	The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments not recorded at fair value on a recurring basis as of September 30, 2020 and December 31, 2019. This table excludes financial instruments for which the carrying amount approximates fair value. For short-term financial assets such as cash and due from banks, interest-bearing deposits in other banks, and accrued interest receivable/payable, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For non-marketable equity securities such as Federal Home Loan Bank stock, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government supported institution or to another member institution. For financial liabilities such as noninterest-bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity. Fair Value Measurements at September 30, 2020 Carrying Value Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Loans receivable held for sale $ 40,653 $ - $ 40,667 $ - $ 40,667 Loans receivable held for investment 361,793 - - 366,160 366,160 Financial Liabilities: Time Deposits $ 147,703 $ - $ 148,380 $ - $ 148,380 Federal Home Loan Bank advances 115,500 - 119,334 - 119,334 Junior subordinated debentures 3,570 - - 3,029 3,029 Fair Value Measurements at December 31, 2019 Carrying Value Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Loans receivable held for sale $ - $ - $ - $ - $ - Loans receivable held for investment 397,847 - - 404,923 404,923 Financial Liabilities: Time Deposits $ 190,235 $ - $ 190,353 $ - $ 190,353 Federal Home Loan Bank advances 84,000 - 84,997 - 84,997 Junior subordinated debentures 4,335 - - 3,734 3,734	The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows: Carrying Value Fair Value Measurements at December 31, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Cash and cash equivalents $ 15,566 $ 15,566 $ - $ - $ 15,566 Securities available-for-sale 11,006 - 11,006 - 11,006 Loans receivable held for investment (1) 397,847 - - 404,923 404,923 Accrued interest receivable 1,223 69 22 1,132 1,223 Financial Liabilities: Deposits $ 297,724 $ - $ 289,629 $ - $ 289,629 Federal Home Loan Bank advances 84,000 - 84,997 - 84,997 Junior subordinated debentures 4,335 - - 3,734 3,734 Accrued interest payable 384 - 377 7 384 Carrying Value Fair Value Measurements at December 31, 2018 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Cash and cash equivalents $ 16,651 $ 16,651 $ - $ - $ 16,651 Securities available-for-sale 14,722 1,979 12,743 - 14,722 Loans receivable held for sale 6,231 - 6,270 - 6,270 Loans receivable held for investment 355,556 - - 354,792 354,792 Accrued interest receivable 1,143 78 43 1,022 1,143 Financial Liabilities: Deposits $ 281,414 $ - $ 269,418 $ - $ 269,418 Federal Home Loan Bank advances 70,000 - 69,933 - 69,933 Junior subordinated debentures 5,100 - - 4,481 4,481 Accrued interest payable 334 - 324 10 334 (1) The estimated value of loans held for investment at December 31, 2019 and 2018 reflect an exit price assumption.

Deposits (FY) (Tables)

Deposits (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	Deposits are summarized as follows: December 31, 2019 2018 (In thousands) NOW account and other demand deposits $ 9,768 $ 10,307 Non-interest bearing demand deposits 27,090 22,877 Money market deposits 23,589 29,948 Passbook 47,042 45,718 Certificates of deposit 190,235 172,564 Total $ 297,724 $ 281,414
Maturities of Certificates of Deposit	Scheduled maturities of certificates of deposit for the next five years are as follows: Maturity Amount (In thousands 2020 $ 168,441 2021 19,016 2022 1,806 2023 867 2024 105 Thereafter - $ 190,235

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Federal Home Loan Bank Advances [Abstract]
Information Regarding FHLB Advances	The following table summarizes information relating to FHLB advances at or for the periods indicated: At or For the Year Ended 2019 2018 (Dollars in thousands) FHLB Advances: Average balance outstanding during the year $ 77,049 $ 74,729 Maximum amount outstanding at any month-end during the year $ 84,000 $ 98,000 Balance outstanding at end of year $ 84,000 $ 70,000 Weighted average interest rate at end of year 2.32 % 2.51 % Average cost of advances during the year 2.42 % 2.13 % Weighted average contractual maturity (in months) 18 24
Required Payments over Next Five Years	Required payments over the next five years are as follows: Amount (In thousands) 2020 $ 33,500 2021 22,500 2022 18,000 2023 5,000 2024 5,000 $ 84,000

Junior Subordinated Debenture_2

Junior Subordinated Debentures (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Junior Subordinated Debentures [Abstract]
Principal Repayments of Junior Subordinated Debentures	Scheduled principal repayments of junior subordinated debentures over the next five years are as follows: Amount (In thousands) 2020 $ 1,020 2021 1,020 2022 1,020 2023 1,020 2024 255 $ 4,335

Employee Benefit Plans (FY) (Ta

Employee Benefit Plans (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Employee Benefit Plans [Abstract]
Shares Held by ESOP	Shares held by the ESOP were as follows: September 30, 2020 December 31, 2019 (Dollars in thousands) Allocated to participants 1,065,275 1,024,429 Committed to be released - 10,416 Suspense shares 572,627 603,876 Total ESOP shares 1,637,902 1,638,721 Fair value of unearned shares $ 962 $ 930	Shares held by the ESOP were as follows: December 31, 2019 December 31, 2018 (Dollars in thousands) Allocated to participants 1,024,429 1,036,809 Committed to be released 10,416 10,580 Suspense shares 603,876 646,033 Total ESOP shares 1,638,721 1,693,422 Fair value of unearned shares $ 930 $ 678

Income Taxes (FY) (Tables)

Income Taxes (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Income Tax (Benefit) Expense	Income tax (benefit) expense was as follows: 2019 2018 (In thousands) Current Federal $ (66 ) $ (110 ) State 5 12 Deferred Federal (225 ) 68 State (59 ) 86 Change in valuation allowance - - Total $ (345 ) $ 56
Effective Income Tax Rate Reconciliation	Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following: 2019 2018 (In thousands) Federal statutory rate times financial statement net (loss) income $ (115 ) $ 183 Effect of: State taxes, net of federal benefit (45 ) 77 Change in federal rate - - Earnings from bank owned life insurance (11 ) (16 ) Low income housing credits (198 ) (212 ) Change in valuation allowance - - Other, net 24 24 Total $ (345 ) $ 56
Deferred Tax Assets and Liabilities	Year-end deferred tax assets and liabilities were due to the following: 2019 2018 (In thousands) Deferred tax assets: Allowance for loan losses $ 897 $ 799 Real estate owned - 65 Accrued liabilities 137 150 State income taxes 36 34 Stock compensation 202 165 Net operating loss carryforward 3,614 3,887 Non-accrual loan interest 1 3 Partnership investment 173 140 General business credit 1,859 1,661 Alternative minimum tax credit 94 151 Unrealized appreciation AFS - 50 Other 34 28 Total deferred tax assets 7,047 7,133 Deferred tax liabilities: Section 481 Adjustments to bad debts (660 ) (980 ) Deferred loan fees/costs (797 ) (775 ) Basis difference on fixed assets (15 ) (35 ) Net unrealized appreciation on available-for-sale securities (59 ) - FHLB stock dividends (266 ) (266 ) Mortgage servicing rights (3 ) (5 Prepaid expenses (27 ) (27 ) Total deferred tax liabilities (1,827 ) (2,088 ) Net deferred tax assets $ 5,220 $ 5,045

Stock-Based Compensation (FY) (

Stock-Based Compensation (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Stock-Based Compensation [Abstract]
Summary of Stock Option Activity	The following table summarizes stock option activity during the nine months ended September 2020 and 2019: Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of period 455,000 $ 1.67 537,500 $ 2.19 Granted during period - - - - Exercised during period - - - - Forfeited or expired during period (5,000 ) 6.00 (82,500 ) 4.89 Outstanding at end of period 450,000 $ 1.62 455,000 $ 1.67 Exercisable at end of period 360,000 $ 1.62 275,000 $ 1.70	The following table summarizes stock option activity during the years ended December 31, 2019 and 2018: 2019 2018 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of year 537,500 $ 2.19 537,500 $ 2.19 Granted during the year - - - - Exercised during the year - - - - Forfeited or expired during the year (82,500 ) 4.98 - - Outstanding at end of year 455,000 $ 1.67 537,500 $ 2.19 Exercisable at end of year 275,000 $ 1.70 267,500 $ 2.71
Options Outstanding and Exercisable	Options outstanding and exercisable at September 30, 2020 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value February 24, 2016 450,000 5.40 years $ 1.62 360,000 $ 1.62 450,000 5.40 years $ 1.62 $ 22,000 360,000 $ 1.62 $ 22,000	Options outstanding and exercisable at year-end 2019 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value January 21, 2010 5,000 0.05 year $ 6.00 5,000 $ 6.00 February 24, 2016 450,000 6.15 years $ 1.62 270,000 $ 1.62 455,000 6.08 years $ 1.67 $ - 275,000 $ 1.70 $ -

Capital and Regulatory Matter_2

Capital and Regulatory Matters (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Capital and Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	At September 30, 2020 and December 31, 2019, the Bank’s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2020: Tier 1 (Leverage) $ 47,779 9.84 % $ 19,429 4.00 % $ 24,286 5.00 % Common Equity Tier 1 $ 47,779 16.94 % $ 12,693 4.50 % $ 18,334 6.50 % Tier 1 $ 47,779 16.94 % $ 16,924 6.00 % $ 22,565 8.00 % Total Capital $ 51,053 18.10 % $ 22,565 8.00 % $ 28,206 10.00 % December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 %	Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 % December 31, 2018: Tier 1 (Leverage) $ 49,433 12.03 % $ 16,439 4.00 % $ 20,549 5.00 % Common Equity Tier 1 $ 49,433 19.32 % $ 18,494 4.50 % $ 16,634 6.50 % Tier 1 $ 49,433 19.32 % $ 24,659 6.00 % $ 20,472 8.00 % Total Capital $ 52,417 20.48 % $ 32,879 8.00 % $ 25,590 10.00 %

Loan Commitments and Other Re_2

Loan Commitments and Other Related Activities (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Loan Commitments and Other Related Activities [Abstract]
Contractual Amounts of Financial Instruments Off-Balance-Sheet Risk	The contractual amounts of financial instruments with off-balance-sheet risk at year-end were as follows: 2019 2018 (In thousands) Commitments to make loans $ 5,930 $ 10,875 Unused lines of credit – variable rates 1,970 1,491

Parent Company Only Condensed_2

Parent Company Only Condensed Financial Information (FY) (Tables)	12 Months Ended
	Dec. 31, 2019
Parent Company Only Condensed Financial Information
Condensed Balance Sheet	Condensed Balance Sheet December 31, 2019 2018 (In thousands) Assets Cash and cash equivalents $ 134 $ 156 Investment in bank subsidiary 50,594 51,221 Other assets 2,512 2,225 Total assets $ 53,240 $ 53,602 Liabilities and stockholders' equity Junior subordinated debentures $ 4,335 $ 5,100 Accrued expenses and other liabilities 57 66 Stockholders' equity 48,848 48,436 Total liabilities and stockholders' equity $ 53,240 $ 53,602
Condensed Statements of Income	Condensed Statements of Income Years ended December 31, 2019 2018 (In thousands) Interest income $ 23 $ 25 Interest expense (247 ) (243 ) Other expense (720 ) (469 ) Loss before income tax and undistributed subsidiary income (944 ) (687 ) Income tax benefit (expense) 279 205 Equity in undistributed subsidiary income 459 1,297 Net income $ (206 ) $ 815
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows Years ended December 31, 2019 2018 (In thousands) Cash flows from operating activities Net (loss) income $ (206 ) $ 815 Adjustments to reconcile net (loss) income to net cash used in operating activities: Equity in undistributed subsidiary income (459 ) (1,297 ) Change in other assets (287 ) (210 ) Change in accrued expenses and other liabilities (9 ) (112 ) Net cash used in operating activities (961 ) (804 ) Cash flows from investing activities Dividends from bank subsidiary 1,650 600 Net cash provided by investing activities 1,650 600 Cash flows from financing activities Common stock repurchased for tax withholdings (14 ) (108 ) Repayments of borrowings (765 ) - Proceeds from repayment of ESOP loan 68 68 Net cash used in financing activities (711 ) (40 ) Net change in cash and cash equivalents (22 ) (244 ) Beginning cash and cash equivalents 156 400 Ending cash and cash equivalents $ 134 $ 156

(Loss) Earnings Per Common Sh_2

(Loss) Earnings Per Common Share (FY) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
(Loss) Earnings Per Common Share [Abstract]
Factors Used in Earnings Per Common Share Computation	The following table shows how the Company computed basic and diluted loss per share of common stock for the periods indicated: For the three months ended September 30, For the nine months ended September 30, 2020 2019 2020 2019 (Dollars in thousands, except per share) Net loss $ (244 ) $ (279 ) $ (61 ) $ (137 ) Less net loss attributable to participating securities (2 ) (4 ) (1 ) (2 ) Loss available to common stockholders $ (242 ) $ (275 ) $ (60 ) $ (135 ) Weighted average common shares outstanding for basic loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Add: dilutive effects of assumed exercises of stock options - - - - Add: dilutive effects of unvested restricted stock awards - - - - Weighted average common shares outstanding for diluted loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Loss per common share - basic $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 ) Loss per common share - diluted $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 )	The factors used in the earnings per common share computation follow: 2019 2018 (Dollars in thousands, except share and per share) Net (loss) income $ (206 ) $ 815 Less net income attributable to participating securities - (3 ) (Loss) income available to common stockholders $ (206 ) $ 812 Weighted average common shares outstanding for basic earnings per common share 26,833,693 26,755,405 Add: dilutive effects of unvested restricted stock awards - 7,044 Weighted average common shares outstanding for diluted earnings per common share 26,833,693 26,762,449 (Loss) earnings per common share – basic $ (0.01 ) $ 0.03 (Loss) earnings per common share – diluted $ (0.01 ) $ 0.03

Pending Acquisition (Q3) (Table

Pending Acquisition (Q3) (Tables)	9 Months Ended
	Sep. 30, 2020
Pending Acquisition [Abstract]
Unaudited Pro Forma Information	The unaudited pro forma information in the following table is intended for informational purposes only and is not necessarily indicative of future operating results or operating results that would have occurred had the mergers been completed at the beginning of each respective year. No assumptions have been applied to the pro forma results of operation regarding possible revenue enhancements, expense efficiencies or asset dispositions. Period ended, September 30, 2020 December 31, 2019 (Dollars in thousands, except per share) Net interest income $ 17,817 $ 23,606 Net income $ 2,090 $ 3,241 Basic earnings per share $ 0.04 $ 0.06 Diluted earnings per share $ 0.04 $ 0.06

Loss Per Share of Common Stoc_2

Loss Per Share of Common Stock (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
(Loss) Earnings Per Common Share [Abstract]
Basic and Diluted Loss Per Share of Common Stock	The following table shows how the Company computed basic and diluted loss per share of common stock for the periods indicated: For the three months ended September 30, For the nine months ended September 30, 2020 2019 2020 2019 (Dollars in thousands, except per share) Net loss $ (244 ) $ (279 ) $ (61 ) $ (137 ) Less net loss attributable to participating securities (2 ) (4 ) (1 ) (2 ) Loss available to common stockholders $ (242 ) $ (275 ) $ (60 ) $ (135 ) Weighted average common shares outstanding for basic loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Add: dilutive effects of assumed exercises of stock options - - - - Add: dilutive effects of unvested restricted stock awards - - - - Weighted average common shares outstanding for diluted loss per common share 27,224,344 26,907,546 27,114,022 26,782,325 Loss per common share - basic $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 ) Loss per common share - diluted $ (0.01 ) $ (0.01 ) $ (0.00 ) $ (0.01 )	The factors used in the earnings per common share computation follow: 2019 2018 (Dollars in thousands, except share and per share) Net (loss) income $ (206 ) $ 815 Less net income attributable to participating securities - (3 ) (Loss) income available to common stockholders $ (206 ) $ 812 Weighted average common shares outstanding for basic earnings per common share 26,833,693 26,755,405 Add: dilutive effects of unvested restricted stock awards - 7,044 Weighted average common shares outstanding for diluted earnings per common share 26,833,693 26,762,449 (Loss) earnings per common share – basic $ (0.01 ) $ 0.03 (Loss) earnings per common share – diluted $ (0.01 ) $ 0.03

Securities (Q3) (Tables)

Securities (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Securities [Abstract]
Available-for-Sale Investment Securities Portfolios	The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios as of the periods indicated and the corresponding amounts of unrealized gains which were recognized in accumulated other comprehensive (loss) income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) September 30, 2020: Federal agency mortgage-backed securities $ 6,182 $ 278 $ - $ 6,460 Federal agency debt 2,850 208 - 3,058 Municipal bonds 850 4 - 854 Total available-for-sale securities $ 9,882 $ 490 $ - $ 10,372 December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006	The following table summarizes the amortized cost and fair value of the available-for-sale investment securities portfolios at December 31, 2019 and December 31, 2018 and the corresponding amounts of unrealized gains (losses) which are recognized in accumulated other comprehensive income: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) December 31, 2019: Federal agency mortgage-backed securities $ 7,792 $ 164 $ - $ 7,956 Federal agency debt 3,014 36 - 3,050 Total available-for-sale securities $ 10,806 $ 200 $ - $ 11,006 December 31, 2018: Federal agency mortgage-backed securities $ 9,575 $ 88 $ (155 ) $ 9,508 Federal agency debt 5,317 - (103 ) 5,214 Total available-for-sale securities $ 14,892 $ 88 $ (258 ) $ 14,722

Loans Receivable Held for Sal_3

Loans Receivable Held for Sale (Q3) (Tables)	9 Months Ended
	Sep. 30, 2020
Loans Receivable Held for Sale [Abstract]
Loans Receivable Held for Sale	Loans receivable held for sale were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Gross loans receivable before deferred loan origination costs $ 40,503 $ - Net deferred loan origination costs 150 - Loans receivable held for sale, net $ 40,653 $ -

Loans Receivable Held for Inv_4

Loans Receivable Held for Investment (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Held for Investment [Abstract]
Loans Receivable Held for Investment	Loans receivable held for investment were as follows as of the dates indicated: September 30, 2020 December 31, 2019 (In thousands) Real estate: Single family $ 53,976 $ 72,883 Multi-family 269,874 287,378 Commercial real estate 20,025 14,728 Church 17,789 21,301 Construction 1,672 3,128 Commercial – other 302 262 Consumer 8 21 Gross loans receivable 363,646 399,701 Unamortized net deferred loan costs and premiums 1,362 1,328 Gross loans receivable 365,008 401,029 Allowance for loan losses (3,215 ) (3,182 ) Loans receivable, net $ 361,793 $ 397,847	Loans receivable held for investment were as follows as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Real estate: Single family $ 72,883 $ 91,835 Multi-family 287,378 231,870 Commercial real estate 14,728 5,802 Church 21,301 25,934 Construction 3,128 1,876 Commercial – other 262 226 Consumer 21 5 Gross loans receivable before deferred loan costs and premiums 399,701 357,548 Unamortized net deferred loan costs and premiums 1,328 937 Gross loans receivable 401,029 358,485 Allowance for loan losses (3,182 ) (2,929 ) Loans receivable, net $ 397,847 $ 355,556
Activity in Allowance for Loan Losses by Loan Type	The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: Three Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,424 $ 169 $ 282 $ 22 $ 6 $ - $ 3,215 Provision for (recapture of) loan losses 9 1 17 (28 ) - (1 ) 2 - Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Three Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 328 $ 1,932 $ 58 $ 401 $ 44 $ 5 $ 3 $ 2,771 Provision for (recapture of) loan losses - 66 - (24 ) 6 - (1 ) 47 Recoveries - - - - - - - - Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818 Nine Months Ended September 30, 2020 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Provision for (recapture of) loan losses 5 106 53 (108 ) (26 ) (2 ) 1 29 Recoveries 4 - - - - - - 4 Loans charged off - - - - - - - - Ending balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Nine Months Ended September 30, 2019 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (41 ) 118 6 (416 ) 31 (1 ) 2 (301 ) Recoveries - - - 190 - - - 190 Loans charged off - - - - - - - - Ending balance $ 328 $ 1,998 $ 58 $ 377 $ 50 $ 5 $ 2 $ 2,818	The following tables present the activity in the allowance for loan losses by loan type for the periods indicated: For the year ended December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Provision for (recapture of) loan losses (57 ) 439 81 (501 ) 29 1 1 (7 ) Recoveries - - - 260 - - - 260 Loans charged off - - - - - - - - Ending balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 For the year ended December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Beginning balance $ 594 $ 2,300 $ 71 $ 1,081 $ 17 $ 6 $ - $ 4,069 Recapture of loan losses (225 ) (420 ) (19 ) (592 ) 2 - - (1,254 Recoveries - - - 114 - - - 114 Loans charged off - - - - - - - - Ending balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929
Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method	The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of the dates indicated: September 30, 2020 Real Estate Single family Multi- family Commercial Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 91 $ - $ - $ 56 $ - $ 1 $ - $ 148 Collectively evaluated for impairment 230 2,425 186 198 22 4 2 3,067 Total ending allowance balance $ 321 $ 2,425 $ 186 $ 254 $ 22 $ 5 $ 2 $ 3,215 Loans: Loans individually evaluated for impairment $ 586 $ 304 $ - $ 3,860 $ - $ 49 $ - $ 4,799 Loans collectively evaluated for impairment 53,548 271,071 20,086 13,571 1,672 253 8 360,209 Total ending loans balance $ 54,134 $ 271,375 $ 20,086 $ 17,431 $ 1,672 $ 302 $ 8 $ 365,008 December 31, 2019 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial - other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029	The following tables present the balance in the allowance for loan losses and the recorded investment (unpaid contractual principal balance less charge-offs, less interest applied to principal, plus unamortized deferred costs and premiums) by loan type and based on impairment method as of and for the periods indicated: December 31, 2019 Real Estate Single family Multi- family Commercial real estate C hurch Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 60 $ - $ - $ 85 $ - $ 2 $ - $ 147 Collectively evaluated for impairment 252 2,319 133 277 48 5 1 3,035 Total ending allowance balance $ 312 $ 2,319 $ 133 $ 362 $ 48 $ 7 $ 1 $ 3,182 Loans: Loans individually evaluated for impairment $ 611 $ 313 $ - $ 4,356 $ - $ 63 $ - $ 5,343 Loans collectively evaluated for impairment 72,501 288,730 14,818 16,292 3,125 199 21 395,686 Total ending loans balance $ 73,112 $ 289 ,043 $ 14,818 $ 20,648 $ 3,125 $ 262 $ 21 $ 401,029 December 31, 2018 Real Estate Single family Multi- family Commercial real estate Church Construction Commercial – other Consumer Total (In thousands) Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 53 $ - $ - $ 170 $ - $ 4 $ - $ 227 Collectively evaluated for impairment 316 1,880 52 433 19 2 - 2,702 Total ending allowance balance $ 369 $ 1,880 $ 52 $ 603 $ 19 $ 6 $ - $ 2,929 Loans: Loans individually evaluated for impairment $ 610 $ 323 $ - $ 5,383 $ - $ 64 $ - $ 6,380 Loans collectively evaluated for impairment 91,567 232,986 5,800 19,713 1,872 162 5 352,105 Total ending loans balance $ 92,177 $ 233,309 $ 5,800 $ 25,096 $ 1,872 $ 226 $ 5 $ 358,485
Loans Individually Evaluated for Impairment by Loan Type	The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: September 30, 2020 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Single family $ 9 $ 8 $ - $ - $ - $ - Multi-family $ 304 $ 304 $ - 313 313 - Church $ 2,546 $ 1,999 $ - 3,491 2,446 - With an allowance recorded: Single family 578 578 91 593 593 60 Church 1,861 1,861 56 1,928 1,928 85 Commercial - other 50 49 1 63 63 2 Total $ 5,348 $ 4,799 $ 148 $ 6,388 $ 5,343 $ 147	The following table presents information related to loans individually evaluated for impairment by loan type as of the periods indicated: December 31, 2019 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated (In thousands) With no related allowance recorded: Multi-family $ 313 $ 313 $ - $ 323 $ 323 $ - Church 3,491 2,446 - 4,666 2,803 With an allowance recorded: Single family 593 593 60 610 610 53 Multi-family - - - - - - Church 1,928 1,928 85 2,580 2,580 170 Commercial – other 63 63 2 64 64 4 Total $ 6,388 $ 5,343 $ 147 $ 8,243 $ 6,380 $ 227
Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income	The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income (In thousands) Single family $ 589 $ 7 $ 625 $ 7 Multi-family 305 5 317 6 Church 3,938 67 4,678 76 Commercial – other 50 1 63 1 Total $ 4,882 $ 80 $ 5,683 $ 90 Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 596 $ 22 $ 631 $ 22 Multi-family 308 16 320 17 Church 4,094 376 5,206 594 Commercial – other 57 3 63 3 Total $ 5,055 $ 417 $ 6,220 $ 636	The following tables present the monthly average of loans individually evaluated for impairment by loan type and the related interest income for the periods indicated: For the year ended December 31, 2019 For the year ended December 31, 2018 Average Recorded Investment Cash Basis Interest Income Recognized Average Recorded Investment Cash Basis Interest Income Recognized (In thousands) Single family $ 626 $ 29 $ 618 $ 30 Multi-family 318 22 329 23 Commercial real estate - - - - Church 5,017 939 7,893 398 Commercial – other 63 5 64 4 Total $ 6,024 $ 995 $ 8,904 $ 455
Aging of Recorded Investment in Past Due Loans by Loan Type	The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: September 30, 2020 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 76 $ 8 $ - $ 84 $ 54,050 $ 54,134 Multi-family - - - - 271,375 271,375 Commercial real estate - - - - 20,086 20,086 Church - - - - 17,431 17,431 Construction - - - - 1,672 1,672 Commercial - other - - - - 302 302 Consumer - - - - 8 8 Total $ 76 $ 8 $ - $ 84 $ 364,924 $ 365,008 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial - other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029	The following tables present the aging of the recorded investment in past due loans by loan type as of the periods indicated: December 31, 2019 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 18 $ - $ - $ 18 $ 73,094 $ 73,112 Multi-family - - - - 289,043 289,043 Commercial real estate - - - - 14,818 14,818 Church - - - - 20,648 20,648 Construction - - - - 3,125 3,125 Commercial – other - - - - 262 262 Consumer - - - - 21 21 Total $ 18 $ - $ - $ 18 $ 401,011 $ 401,029 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Total Past Due Current Total (In thousands) Loans receivable held for investment: Single family $ 35 $ - $ - $ 35 $ 92,142 $ 92,177 Multi-family - - - - 233,309 233,309 Commercial real estate - - - - 5,800 5,800 Church - - - - 25,096 25,096 Construction - - - - 1,872 1,872 Commercial-other - - - - 226 226 Consumer - - - - 5 5 Total $ 35 $ - $ - $ 35 $ 358,450 $ 358,485
Recorded Investment in Non-accrual Loans by Loan Type	The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: September 30, 2020 December 31, 2019 (In thousands) Loans receivable held for investment: Single-family residence $ 8 $ 18 Church $ 812 406 Total non-accrual loans $ 820 $ 424	The following table presents the recorded investment in non-accrual loans by loan type as of the periods indicated: December 31, 2019 December 31, 2018 (In thousands) Loans receivable held for investment: Single family $ 18 $ - Church 406 911 Total non-accrual loans $ 424 $ 911
Risk Categories of Loans by Loan Type	Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: September 30, 2020 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 54,127 $ - $ - $ 7 $ - $ - Multi-family 271,008 - - 367 - - Commercial real estate 18,590 1,496 - - - - Church 13,982 662 - 2,787 - - Construction 1,672 - - - - - Commercial - other 252 - - 50 - - Consumer 8 - - - - - Total $ 359,639 $ 2,158 $ - $ 3,211 $ - $ - December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3,691 - - Construction 3,125 - - - - - Commercial - other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ -	Based on the most recent analysis performed, the risk categories of loans by loan type as of the periods indicated were as follows: December 31, 2019 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 73,094 $ - $ - $ 18 $ - $ - Multi-family 288,251 411 - 381 - - Commercial real estate 14,818 - - - - - Church 16,546 411 - 3 691 - - Construction 3,125 - - - - - Commercial – other 199 - - 63 - - Consumer 21 - - - - - Total $ 396,054 $ 822 $ - $ 4,153 $ - $ - December 31, 2018 Pass Watch Special Mention Substandard Doubtful Loss (In thousands) Single family $ 92,132 $ - $ 35 $ 10 $ - $ - Multi-family 232,642 - - 667 - - Commercial real estate 5,800 - - - - - Church 19,678 672 - 4,746 - - Construction 1,872 - - - - - Commercial – other 162 - - 64 - - Consumer 5 - - - - - Total $ 352,291 $ 672 $ 35 $ 5,487 $ - $ -

Leases (Q3) (Tables)

Leases (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Additional Information Related to Operating Leases	Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Quarter ended September 30, 2020 Nine Months ended September 30, 2020 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 88 $ 262 Weighted average remaining lease term in months 7 Weighted average discount rate 2.75 %	Additional information regarding our operating leases is summarized below for the periods indicated dollars in thousands): Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities for operating leases: $ 542 ROU assets obtained in exchange for lease liabilities $ 727 Weighted average remaining lease term in months 16 Weighted average discount rate 2.75 %
Future Minimum Lease Payments for Operating Lease	The future minimum payments for operating leases with remaining terms of one year or more as of September 30, 2020 were as follows (in thousands): Three months ended December 31, 2020 $ 140 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 335 Amounts Representing Interest (3 ) Present Value of Net Future Minimum Lease Payments $ 332	The future minimum payments for operating leases with remaining terms of one year or more as of December 31, 2019 were as follows (in thousands): Year ended December 31, 2020 $ 555 Year ended December 31, 2021 195 Total Future Minimum Lease Payments 750 Amounts Representing Interest (15 ) Present Value of Net Future Minimum Lease Payments $ 735

Fair Value (Q3) (Tables)

Fair Value (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Fair Value [Abstract]
Assets Measured on Recurring Basis	Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurement Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total (In thousands) At September 30, 2020: Securities available-for-sale – federal agency mortgage-backed $ - $ 6,460 $ - $ 6,460 Securities available-for-sale – federal agency debt - 3,058 - 3,058 Municipal bonds - 854 - 854 At December 31, 2019: Securities available-for-sale – federal agency mortgage-backed $ - $ 7,956 $ - $ 7,956 Securities available-for-sale – federal agency debt - 3,050 - 3,050	Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurement Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total (In thousands) At December 31, 2019: Securities available-for-sale – federal agency mortgage-backed $ - $ 7,956 $ - $ 7,956 Securities available-for-sale – federal agency debt - 3,050 - 3,050 At December 31, 2018: Securities available-for-sale – federal agency mortgage-backed $ - $ 9,508 $ - $ 9,508 Securities available-for-sale – federal agency debt 1,979 3,235 5,214
Assets Measured on Non-Recurring Basis	The following table provides information regarding the carrying values of our assets measured at fair value on a non-recurring basis as of the periods indicated. The fair value measurement for all of these assets falls within Level 3 of the fair value hierarchy. September 30, 2020 December 31, 2019 (In thousands) Impaired loans carried at fair value of collateral $ - $ 130	The following table provides information regarding the carrying values of our assets measured at fair value on a non-recurring basis as of the periods indicated. The fair value measurement for all these assets falls within Level 3 of the fair value hierarchy. December 31, 2019 December 31, 2018 (In thousands) Impaired loans carried at fair value of collateral $ 130 $ 591 Real estate owned - 833
Fair Values of Financial Instruments	The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments not recorded at fair value on a recurring basis as of September 30, 2020 and December 31, 2019. This table excludes financial instruments for which the carrying amount approximates fair value. For short-term financial assets such as cash and due from banks, interest-bearing deposits in other banks, and accrued interest receivable/payable, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For non-marketable equity securities such as Federal Home Loan Bank stock, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government supported institution or to another member institution. For financial liabilities such as noninterest-bearing demand, interest-bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity. Fair Value Measurements at September 30, 2020 Carrying Value Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Loans receivable held for sale $ 40,653 $ - $ 40,667 $ - $ 40,667 Loans receivable held for investment 361,793 - - 366,160 366,160 Financial Liabilities: Time Deposits $ 147,703 $ - $ 148,380 $ - $ 148,380 Federal Home Loan Bank advances 115,500 - 119,334 - 119,334 Junior subordinated debentures 3,570 - - 3,029 3,029 Fair Value Measurements at December 31, 2019 Carrying Value Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Loans receivable held for sale $ - $ - $ - $ - $ - Loans receivable held for investment 397,847 - - 404,923 404,923 Financial Liabilities: Time Deposits $ 190,235 $ - $ 190,353 $ - $ 190,353 Federal Home Loan Bank advances 84,000 - 84,997 - 84,997 Junior subordinated debentures 4,335 - - 3,734 3,734	The carrying amounts and estimated fair values of financial instruments as of the periods indicated were as follows: Carrying Value Fair Value Measurements at December 31, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Cash and cash equivalents $ 15,566 $ 15,566 $ - $ - $ 15,566 Securities available-for-sale 11,006 - 11,006 - 11,006 Loans receivable held for investment (1) 397,847 - - 404,923 404,923 Accrued interest receivable 1,223 69 22 1,132 1,223 Financial Liabilities: Deposits $ 297,724 $ - $ 289,629 $ - $ 289,629 Federal Home Loan Bank advances 84,000 - 84,997 - 84,997 Junior subordinated debentures 4,335 - - 3,734 3,734 Accrued interest payable 384 - 377 7 384 Carrying Value Fair Value Measurements at December 31, 2018 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets: Cash and cash equivalents $ 16,651 $ 16,651 $ - $ - $ 16,651 Securities available-for-sale 14,722 1,979 12,743 - 14,722 Loans receivable held for sale 6,231 - 6,270 - 6,270 Loans receivable held for investment 355,556 - - 354,792 354,792 Accrued interest receivable 1,143 78 43 1,022 1,143 Financial Liabilities: Deposits $ 281,414 $ - $ 269,418 $ - $ 269,418 Federal Home Loan Bank advances 70,000 - 69,933 - 69,933 Junior subordinated debentures 5,100 - - 4,481 4,481 Accrued interest payable 334 - 324 10 334 (1) The estimated value of loans held for investment at December 31, 2019 and 2018 reflect an exit price assumption.

Stock-based Compensation (Q3) (

Stock-based Compensation (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Stock-Based Compensation [Abstract]
Summary of Stock Option Activity	The following table summarizes stock option activity during the nine months ended September 2020 and 2019: Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of period 455,000 $ 1.67 537,500 $ 2.19 Granted during period - - - - Exercised during period - - - - Forfeited or expired during period (5,000 ) 6.00 (82,500 ) 4.89 Outstanding at end of period 450,000 $ 1.62 455,000 $ 1.67 Exercisable at end of period 360,000 $ 1.62 275,000 $ 1.70	The following table summarizes stock option activity during the years ended December 31, 2019 and 2018: 2019 2018 Number Outstanding Weighted Average Exercise Price Number Outstanding Weighted Average Exercise Price Outstanding at beginning of year 537,500 $ 2.19 537,500 $ 2.19 Granted during the year - - - - Exercised during the year - - - - Forfeited or expired during the year (82,500 ) 4.98 - - Outstanding at end of year 455,000 $ 1.67 537,500 $ 2.19 Exercisable at end of year 275,000 $ 1.70 267,500 $ 2.71
Options Outstanding and Exercisable	Options outstanding and exercisable at September 30, 2020 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value February 24, 2016 450,000 5.40 years $ 1.62 360,000 $ 1.62 450,000 5.40 years $ 1.62 $ 22,000 360,000 $ 1.62 $ 22,000	Options outstanding and exercisable at year-end 2019 were as follows: Outstanding Exercisable Grant Date Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Aggregate Intrinsic Value Number Outstanding Weighted Average Exercise Price Aggregate Intrinsic Value January 21, 2010 5,000 0.05 year $ 6.00 5,000 $ 6.00 February 24, 2016 450,000 6.15 years $ 1.62 270,000 $ 1.62 455,000 6.08 years $ 1.67 $ - 275,000 $ 1.70 $ -

ESOP Plan (Q3) (Tables)

ESOP Plan (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
ESOP Plan [Abstract]
Shares Held by ESOP	Shares held by the ESOP were as follows: September 30, 2020 December 31, 2019 (Dollars in thousands) Allocated to participants 1,065,275 1,024,429 Committed to be released - 10,416 Suspense shares 572,627 603,876 Total ESOP shares 1,637,902 1,638,721 Fair value of unearned shares $ 962 $ 930	Shares held by the ESOP were as follows: December 31, 2019 December 31, 2018 (Dollars in thousands) Allocated to participants 1,024,429 1,036,809 Committed to be released 10,416 10,580 Suspense shares 603,876 646,033 Total ESOP shares 1,638,721 1,693,422 Fair value of unearned shares $ 930 $ 678

Regulatory Matters (Q3) (Tables

Regulatory Matters (Q3) (Tables)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Capital and Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	At September 30, 2020 and December 31, 2019, the Bank’s level of capital exceeded all regulatory capital requirements and its regulatory capital ratios were above the minimum levels required to be considered well capitalized for regulatory purposes. Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2020: Tier 1 (Leverage) $ 47,779 9.84 % $ 19,429 4.00 % $ 24,286 5.00 % Common Equity Tier 1 $ 47,779 16.94 % $ 12,693 4.50 % $ 18,334 6.50 % Tier 1 $ 47,779 16.94 % $ 16,924 6.00 % $ 22,565 8.00 % Total Capital $ 51,053 18.10 % $ 22,565 8.00 % $ 28,206 10.00 % December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 %	Actual and required capital amounts and ratios as of the periods indicated are presented below. Actual Minimum Capital Requirements Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019: Tier 1 (Leverage) $ 48,541 11.56 % $ 16,798 4.00 % $ 20,997 5.00 % Common Equity Tier 1 $ 48,541 17.14 % $ 12,743 4.50 % $ 18,406 6.50 % Tier 1 $ 48,541 17.14 % $ 16,990 6.00 % $ 22,654 8.00 % Total Capital $ 51,790 18.29 % $ 22,654 8.00 % $ 28,318 10.00 % December 31, 2018: Tier 1 (Leverage) $ 49,433 12.03 % $ 16,439 4.00 % $ 20,549 5.00 % Common Equity Tier 1 $ 49,433 19.32 % $ 18,494 4.50 % $ 16,634 6.50 % Tier 1 $ 49,433 19.32 % $ 24,659 6.00 % $ 20,472 8.00 % Total Capital $ 52,417 20.48 % $ 32,879 8.00 % $ 25,590 10.00 %

Summary of Significant Accoun_3

Summary of Significant Accounting Policies, Nature of Operations and Principles of Consolidation (FY) (Details)	Dec. 31, 2019Office
Los Angeles, California [Member]
Nature of Operations and Principles of Consolidation [Abstract]
Number of retail-banking offices	2
Inglewood, California [Member]
Nature of Operations and Principles of Consolidation [Abstract]
Number of retail-banking offices	1

Summary of Significant Accoun_4

Summary of Significant Accounting Policies, Cash and Cash Equivalents (FY) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Federal Reserve Bank [Member]
Cash and Cash Equivalents [Abstract]
Cash reserve and clearing requirement balance	$ 49

Summary of Significant Accoun_5

Summary of Significant Accounting Policies, Loans Receivable Held for Investment (FY) (Details)	12 Months Ended
	Dec. 31, 2019
Loans Receivable Held for Investment [Abstract]
Delinquency period for interest income to be discontinued on loans	90 days

Summary of Significant Accoun_6

Summary of Significant Accounting Policies, Concentration of Credit Risk (FY) (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Deposits [Member] | Customer Concentration Risk [Member] | Long-time Customer [Member]
Concentration of Credit Risk [Abstract]
Percentage of concentration risk	8.00%	10.00%

Summary of Significant Accoun_7

Summary of Significant Accounting Policies, Loans Purchased and Allowance for Loan Losses (FY) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans Purchased [Abstract]
Purchase of loans receivable held for investment	$ 0	$ 0
Allowance for Loan Losses [Abstract]
Length of period over which historical loss experience is determined	5 years

Summary of Significant Accoun_8

Summary of Significant Accounting Policies, Office Properties and Equipment (FY) (Details)	12 Months Ended
	Dec. 31, 2019
Office Buildings and Improvements [Member] | Minimum [Member]
Office Properties and Equipment [Abstract]
Useful life	10 years
Office Buildings and Improvements [Member] | Maximum [Member]
Office Properties and Equipment [Abstract]
Useful life	40 years
Furniture, Fixtures and Equipment [Member] | Minimum [Member]
Office Properties and Equipment [Abstract]
Useful life	3 years
Furniture, Fixtures and Equipment [Member] | Maximum [Member]
Office Properties and Equipment [Abstract]
Useful life	10 years

Summary of Significant Accoun_9

Summary of Significant Accounting Policies, Investment in Affordable Housing Limited Partnership (FY) (Details)	12 Months Ended
	Dec. 31, 2019
Affordable Housing Limited Partnership [Member] | Maximum [Member]
Investment in Affordable Housing Limited Partnership [Abstract]
Ownership interest	5.00%

Summary of Significant Accou_10

Summary of Significant Accounting Policies, Operating Segments (FY) (Details) - Segment	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating Segments [Abstract]
Number of active operating subsidiaries	1	1
Number of reportable business segments	1

Summary of Significant Accou_11

Summary of Significant Accounting Policies, Recent Accounting Pronouncements (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Recent Accounting Pronouncements [Abstract]
Operating lease right-of-use asset	$ 326	$ 727
Operating lease liability	$ 332	$ 735
ASU 2016-02 [Member]
Recent Accounting Pronouncements [Abstract]
Operating lease right-of-use asset			$ 1,200
Operating lease liability			$ 1,200

Securities (FY) (Details)

Securities (FY) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)security
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 9,882		$ 9,882		$ 10,806	$ 14,892
Gross Unrealized Gains	490		490		200	88
Gross Unrealized Losses	0		0		0	(258)
Fair Value	10,372		10,372		11,006	14,722
Federal agency debt securities matured			1,744	$ 1,450	4,055	2,444
Securities pledged to secure public deposits	0		0		0	0
Securities of any one issuer, other than U.S. Government, greater than 10% of stockholders' equity	0		0		0	0
Sales of securities	$ 0	$ 0	$ 0	$ 0	$ 0	$ 0
Number of securities held with unrealized gains | security	26		26		24	0
Number of securities held with unrealized losses | security					0	10
Federal Agency Mortgage-backed Securities [Member]
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 6,182		$ 6,182		$ 7,792	$ 9,575
Gross Unrealized Gains	278		278		164	88
Gross Unrealized Losses	0		0		0	(155)
Fair Value	$ 6,460		$ 6,460		$ 7,956	9,508
Number of securities held | security	22		22		22
Estimated average remaining life			2 years 10 months 24 days		4 years 4 months 24 days
Federal Agency Debt [Member]
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 2,850		$ 2,850		$ 3,014	5,317
Gross Unrealized Gains	208		208		36	0
Gross Unrealized Losses	0		0		0	(103)
Fair Value	$ 3,058		$ 3,058		$ 3,050	$ 5,214
Number of securities held | security	4		4		2
Estimated average remaining life			5 years 7 months 6 days		5 years 7 months 6 days
Number of securities matured | security					1
Federal agency debt securities matured					$ 2,000

Loans Receivable Held for Sal_4

Loans Receivable Held for Sale (FY) (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable Held for Sale [Abstract]
Loans receivable held for sale	$ 40,653		$ 0	$ 6,231
Transfers of loans receivable held for investment to loans receivable held for sale	0	$ 10,684	10,684	0
Transfers of loans receivable held for sale to loans receivable held for investment	0	1,064	9,227	16,871
Loans originated for sale	118,626	15,182	15,182	20,288
Gain on sale of loans	199	204	204	70
Loan repayments	$ 530	$ 103
Multi-family Loans [Member]
Loans Receivable Held for Sale [Abstract]
Loans receivable held for sale			0	6,200
Transfers of loans receivable held for investment to loans receivable held for sale			10,700
Transfers of loans receivable held for sale to loans receivable held for investment			9,200	16,900
Loans originated for sale			$ 15,200	$ 20,200
Loans originated for sale, percentage			15.00%	20.00%
Loans held for sale, sold during period			$ 22,800	$ 19,300
Gain on sale of loans			204	70
Loan repayments			$ 115	$ 159

Loans Receivable Held for Inv_5

Loans Receivable Held for Investment (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	$ 363,646		$ 399,701			$ 357,548
Unamortized net deferred loan costs and premiums	1,362		1,328			937
Gross loans receivable	365,008		401,029			358,485
Allowance for loan losses	(3,215)	$ (3,215)	(3,182)	$ (2,818)	$ (2,771)	(2,929)	$ (4,069)
Loans receivable, net	361,793		397,847			355,556
Real Estate [Member] | Single Family [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums			72,883			91,835
Gross loans receivable			73,112			92,177
Allowance for loan losses			(312)			(369)	(594)
Real Estate [Member] | Multi-Family [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums			287,378			231,870
Gross loans receivable			289,043			233,309
Allowance for loan losses			(2,319)			(1,880)	(2,300)
Real Estate [Member] | Commercial Real Estate [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	20,025		14,728			5,802
Gross loans receivable	20,086		14,818			5,800
Allowance for loan losses	(186)	(169)	(133)	(58)	(58)	(52)	(71)
Real Estate [Member] | Church [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	17,789		21,301			25,934
Gross loans receivable	17,431		20,648			25,096
Allowance for loan losses	(254)	(282)	(362)	(377)	(401)	(603)	(1,081)
Real Estate [Member] | Construction [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	1,672		3,128			1,876
Gross loans receivable	1,672		3,125			1,872
Allowance for loan losses	(22)	(22)	(48)	(50)	(44)	(19)	(17)
Commercial - Other [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	302		262			226
Gross loans receivable	302		262			226
Allowance for loan losses	(5)	(6)	(7)	(5)	(5)	(6)	(6)
Consumer [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	8		21			5
Gross loans receivable	8		21			5
Allowance for loan losses	$ (2)	$ 0	$ (1)	$ (2)	$ (3)	$ 0	$ 0

Loans Receivable Held for Inv_6

Loans Receivable Held for Investment, Activity in Allowance for Loan Losses by Loan Type (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	$ 3,215	$ 2,771	$ 3,182	$ 2,929	$ 2,929	$ 4,069
Provision for (recapture of) loan losses	0	47	29	(301)	(7)	(1,254)
Recoveries	0	0	4	190	260	114
Loans charged off	0	0	0	0	0	0
Ending balance	3,215	2,818	3,215	2,818	3,182	2,929
Real Estate [Member] | Single Family [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance			312	369	369	594
Provision for (recapture of) loan losses					(57)	(225)
Recoveries					0	0
Loans charged off					0	0
Ending balance					312	369
Real Estate [Member] | Multi-Family [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance			2,319	1,880	1,880	2,300
Provision for (recapture of) loan losses					439	(420)
Recoveries					0	0
Loans charged off					0	0
Ending balance					2,319	1,880
Real Estate [Member] | Commercial Real Estate [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	169	58	133	52	52	71
Provision for (recapture of) loan losses	17	0	53	6	81	(19)
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	186	58	186	58	133	52
Real Estate [Member] | Church [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	282	401	362	603	603	1,081
Provision for (recapture of) loan losses	(28)	(24)	(108)	(416)	(501)	(592)
Recoveries	0	0	0	190	260	114
Loans charged off	0	0	0	0	0	0
Ending balance	254	377	254	377	362	603
Real Estate [Member] | Construction [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	22	44	48	19	19	17
Provision for (recapture of) loan losses	0	6	(26)	31	29	2
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	22	50	22	50	48	19
Commercial - Other [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	6	5	7	6	6	6
Provision for (recapture of) loan losses	(1)	0	(2)	(1)	1	0
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	5	5	5	5	7	6
Consumer [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	0	3	1	0	0	0
Provision for (recapture of) loan losses	2	(1)	1	2	1	0
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	$ 2	$ 2	$ 2	$ 2	$ 1	$ 0

Loans Receivable Held for Inv_7

Loans Receivable Held for Investment, Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	$ 148		$ 147			$ 227
Collectively evaluated for impairment	3,067		3,035			2,702
Total ending allowance balance	3,215	$ 3,215	3,182	$ 2,818	$ 2,771	2,929	$ 4,069
Loans [Abstract]
Loans individually evaluated for impairment	4,799		5,343			6,380
Loans collectively evaluated for impairment	360,209		395,686			352,105
Gross loans receivable	365,008		401,029			358,485
Real Estate [Member] | Single Family [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment			60			53
Collectively evaluated for impairment			252			316
Total ending allowance balance			312			369	594
Loans [Abstract]
Loans individually evaluated for impairment			611			610
Loans collectively evaluated for impairment			72,501			91,567
Gross loans receivable			73,112			92,177
Real Estate [Member] | Multi-Family [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment			0			0
Collectively evaluated for impairment			2,319			1,880
Total ending allowance balance			2,319			1,880	2,300
Loans [Abstract]
Loans individually evaluated for impairment			313			323
Loans collectively evaluated for impairment			288,730			232,986
Gross loans receivable			289,043			233,309
Real Estate [Member] | Commercial Real Estate [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	186		133			52
Total ending allowance balance	186	169	133	58	58	52	71
Loans [Abstract]
Loans individually evaluated for impairment	0		0			0
Loans collectively evaluated for impairment	20,086		14,818			5,800
Gross loans receivable	20,086		14,818			5,800
Real Estate [Member] | Church [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	56		85			170
Collectively evaluated for impairment	198		277			433
Total ending allowance balance	254	282	362	377	401	603	1,081
Loans [Abstract]
Loans individually evaluated for impairment	3,860		4,356			5,383
Loans collectively evaluated for impairment	13,571		16,292			19,713
Gross loans receivable	17,431		20,648			25,096
Real Estate [Member] | Construction [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	22		48			19
Total ending allowance balance	22	22	48	50	44	19	17
Loans [Abstract]
Loans individually evaluated for impairment	0		0			0
Loans collectively evaluated for impairment	1,672		3,125			1,872
Gross loans receivable	1,672		3,125			1,872
Commercial - Other [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	1		2			4
Collectively evaluated for impairment	4		5			2
Total ending allowance balance	5	6	7	5	5	6	6
Loans [Abstract]
Loans individually evaluated for impairment	49		63			64
Loans collectively evaluated for impairment	253		199			162
Gross loans receivable	302		262			226
Consumer [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	2		1			0
Total ending allowance balance	2	$ 0	1	$ 2	$ 3	0	$ 0
Loans [Abstract]
Loans individually evaluated for impairment	0		0			0
Loans collectively evaluated for impairment	8		21			5
Gross loans receivable	$ 8		$ 21			$ 5

Loans Receivable Held for Inv_8

Loans Receivable Held for Investment, Loans Individually Evaluated for Impairment by Loan Type (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
With an Allowance Recorded [Abstract]
Allowance for loan losses allocated	$ 148	$ 147	$ 227
Total [Abstract]
Unpaid principal balance	5,348	6,388	8,243
Recorded investment	4,799	5,343	6,380
Real Estate [Member] | Single Family [Member]
With an Allowance Recorded [Abstract]
Unpaid principal balance		593	610
Recorded investment		593	610
Allowance for loan losses allocated		60	53
Real Estate [Member] | Multi-Family [Member]
With No Related Allowance Recorded [Abstract]
Unpaid principal balance		313	323
Recorded investment		313	323
With an Allowance Recorded [Abstract]
Unpaid principal balance		0	0
Recorded investment		0	0
Allowance for loan losses allocated		0	0
Real Estate [Member] | Church [Member]
With No Related Allowance Recorded [Abstract]
Unpaid principal balance	2,546	3,491	4,666
Recorded investment	1,999	2,446	2,803
With an Allowance Recorded [Abstract]
Unpaid principal balance	1,861	1,928	2,580
Recorded investment	1,861	1,928	2,580
Allowance for loan losses allocated	56	85	170
Commercial - Other [Member]
With an Allowance Recorded [Abstract]
Unpaid principal balance	50	63	64
Recorded investment	49	63	64
Allowance for loan losses allocated	$ 1	$ 2	$ 4

Loans Receivable Held for Inv_9

Loans Receivable Held for Investment, Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	$ 4,882	$ 5,683	$ 5,055	$ 6,220	$ 6,024	$ 8,904
Cash basis interest income recognized	80	90	417	636	995	455
Foregone interest income	22	41	67	121	120	280
Real Estate [Member] | Single Family [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment					626	618
Cash basis interest income recognized					29	30
Real Estate [Member] | Multi-Family [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment					318	329
Cash basis interest income recognized					22	23
Real Estate [Member] | Commercial Real Estate [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment					0	0
Cash basis interest income recognized					0	0
Real Estate [Member] | Church [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	3,938	4,678	4,094	5,206	5,017	7,893
Cash basis interest income recognized	67	76	376	594	939	398
Commercial - Other [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	50	63	57	63	63	64
Cash basis interest income recognized	$ 1	$ 1	$ 3	$ 3	$ 5	$ 4

Loans Receivable Held for In_10

Loans Receivable Held for Investment, Aging of Recorded Investment in Past Due Loans by Loan Type (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	$ 84	$ 18	$ 35
Current	364,924	401,011	358,450
Gross loans receivable	365,008	401,029	358,485
30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	76	18	35
60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	8	0	0
Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Single Family [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		18	35
Current		73,094	92,142
Gross loans receivable		73,112	92,177
Real Estate [Member] | Single Family [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		18	35
Real Estate [Member] | Single Family [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		0	0
Real Estate [Member] | Single Family [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		0	0
Real Estate [Member] | Multi-Family [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		0	0
Current		289,043	233,309
Gross loans receivable		289,043	233,309
Real Estate [Member] | Multi-Family [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		0	0
Real Estate [Member] | Multi-Family [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		0	0
Real Estate [Member] | Multi-Family [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due		0	0
Real Estate [Member] | Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	20,086	14,818	5,800
Gross loans receivable	20,086	14,818	5,800
Real Estate [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Church [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	17,431	20,648	25,096
Gross loans receivable	17,431	20,648	25,096
Real Estate [Member] | Church [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Church [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Church [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	1,672	3,125	1,872
Gross loans receivable	1,672	3,125	1,872
Real Estate [Member] | Construction [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Construction [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Commercial - Other [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	302	262	226
Gross loans receivable	302	262	226
Commercial - Other [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Commercial - Other [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Commercial - Other [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	8	21	5
Gross loans receivable	8	21	5
Consumer [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Consumer [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Consumer [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	$ 0	$ 0	$ 0

Loans Receivable Held for In_11

Loans Receivable Held for Investment, Recorded Investment in Non-accrual Loans by Loan Type (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable Held for Investment [Abstract]
Total non-accrual loans	$ 820	$ 424	$ 911
Loans 90 days or more delinquent that were accruing interest	0	0	0
Real Estate [Member] | Single Family [Member]
Loans Receivable Held for Investment [Abstract]
Total non-accrual loans		18	0
Real Estate [Member] | Church [Member]
Loans Receivable Held for Investment [Abstract]
Total non-accrual loans	$ 812	$ 406	$ 911

Loans Receivable Held for In_12

Loans Receivable Held for Investment, Troubled Debt Restructurings (FY) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)Loan	Sep. 30, 2019Loan	Sep. 30, 2020USD ($)Loan	Sep. 30, 2019Loan	Dec. 31, 2019USD ($)Loan	Dec. 31, 2018USD ($)Loan
Troubled Debt Restructurings [Abstract]
Loans classified as troubled debt restructurings	$ 4,200		$ 4,200		$ 4,700	$ 6,400
Specific reserves allocated to TDRs	148		$ 148		$ 147	227
Timely payment period for return to accrual status			6 months		6 months
Commitments to lend additional amounts to customers with TDRs	$ 0		$ 0		$ 0	$ 0
Number of loans modified | Loan	0	0	0	0	0	0
Non-accrual Status [Member]
Troubled Debt Restructurings [Abstract]
Loans classified as troubled debt restructurings	$ 243		$ 243		$ 406	$ 591
Accrual Status [Member]
Troubled Debt Restructurings [Abstract]
Loans classified as troubled debt restructurings	$ 4,000		$ 4,000		$ 4,300	$ 5,800

Loans Receivable Held for In_13

Loans Receivable Held for Investment, Risk Category of Loans by Loan Type (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	$ 365,008	$ 401,029	$ 358,485
Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	359,639	396,054	352,291
Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	2,158	822	672
Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	35
Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	3,211	4,153	5,487
Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Single Family [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		73,112	92,177
Real Estate [Member] | Single Family [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		73,094	92,132
Real Estate [Member] | Single Family [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	0
Real Estate [Member] | Single Family [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	35
Real Estate [Member] | Single Family [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		18	10
Real Estate [Member] | Single Family [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	0
Real Estate [Member] | Single Family [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	0
Real Estate [Member] | Multi-Family [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		289,043	233,309
Real Estate [Member] | Multi-Family [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		288,251	232,642
Real Estate [Member] | Multi-Family [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		411	0
Real Estate [Member] | Multi-Family [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	0
Real Estate [Member] | Multi-Family [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		381	667
Real Estate [Member] | Multi-Family [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	0
Real Estate [Member] | Multi-Family [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable		0	0
Real Estate [Member] | Commercial Real Estate [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	20,086	14,818	5,800
Real Estate [Member] | Commercial Real Estate [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	18,590	14,818	5,800
Real Estate [Member] | Commercial Real Estate [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	1,496	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Church [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	17,431	20,648	25,096
Real Estate [Member] | Church [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	13,982	16,546	19,678
Real Estate [Member] | Church [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	662	411	672
Real Estate [Member] | Church [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Church [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	2,787	3,691	4,746
Real Estate [Member] | Church [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Church [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	1,672	3,125	1,872
Real Estate [Member] | Construction [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	1,672	3,125	1,872
Real Estate [Member] | Construction [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	302	262	226
Commercial - Other [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	252	199	162
Commercial - Other [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	50	63	64
Commercial - Other [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	8	21	5
Consumer [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	8	21	5
Consumer [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	$ 0	$ 0	$ 0

Office Properties and Equipme_3

Office Properties and Equipment, net (FY) (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Office Properties and Equipment [Abstract]
Office properties and equipment, gross			$ 6,398	$ 5,630
Less accumulated depreciation			(3,615)	(3,388)
Office properties and equipment, net	$ 2,714		2,783	2,242
Depreciation expense	$ 170	$ 171	227	241
Land [Member]
Office Properties and Equipment [Abstract]
Office properties and equipment, gross			572	572
Office Buildings and Improvements [Member]
Office Properties and Equipment [Abstract]
Office properties and equipment, gross			3,268	3,264
Rights of Use Assets [Member]
Office Properties and Equipment [Abstract]
Office properties and equipment, gross			727	0
Furniture, Fixtures and Equipment [Member]
Office Properties and Equipment [Abstract]
Office properties and equipment, gross			$ 1,831	$ 1,794

Leases (FY) (Details)

Leases (FY) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)Option	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)Option	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)Option	Dec. 31, 2018USD ($)
Operating Lease [Abstract]
Number of options to extend | Option	1		1		1
Operating lease, extension term	5 years		5 years		5 years
ROU asset	$ 326		$ 326		$ 727
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]					us-gaap:PropertyPlantAndEquipmentNet
Operating lease liability	332		332		$ 735
Operating Lease, Liability, Statement of Financial Position [Extensible List]					us-gaap:AccruedLiabilitiesAndOtherLiabilities
Operating lease expense	$ 121	$ 123	$ 363	$ 368	$ 600	$ 593

Leases, Additional Information

Leases, Additional Information Regarding Operating Leases (FY) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Cash paid for amounts included in the measurement of lease liabilities for operating leases:	$ 88	$ 262	$ 542
ROU assets obtained in exchange for lease liabilities			$ 727
Weighted average remaining lease term in months	7 months	7 months	16 months
Weighted average discount rate	2.75%	2.75%	2.75%

Leases, Future Minimum Payments

Leases, Future Minimum Payments for Operating Leases (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Future Minimum Payments for Operating Leases [Abstract]
Year ended December 31, 2020	$ 195	$ 555
Year ended December 31, 2021		195
Total Future Minimum Lease Payments	335	750
Amounts Representing Interest	(3)	(15)
Present Value of Net Future Minimum Lease Payments	$ 332	$ 735

Fair Value, Assets Measured on

Fair Value, Assets Measured on Recurring Basis (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	$ 10,372		$ 10,372		$ 11,006	$ 14,722
Transfer between level 1 and level 2	0	$ 0	0	$ 0	0	0
Transfer between level 2 and level 1	0	0	0	0	0	0
Transfer into level 3	0	0	0	0	0	0
Transfer out of level 3	0	$ 0	0	$ 0	0	0
Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	6,460		6,460		7,956	9,508
Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	3,058		3,058		3,050	5,214
Recurring Basis [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	6,460		6,460		7,956	9,508
Recurring Basis [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	3,058		3,058		3,050	5,214
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		0	1,979
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	6,460		6,460		7,956	9,508
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	3,058		3,058		3,050	3,235
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	$ 0		$ 0		$ 0	$ 0

Fair Value, Assets Measured o_2

Fair Value, Assets Measured on Non-Recurring Basis (FY) (Details) - Non-Recurring Basis [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2020
Assets Measured on Non-Recurring Basis [Abstract]
Losses recognized on assets measured at fair value on a non-recurring basis	$ 0	$ 45
Impaired Loans Carried at Fair Value of Collateral [Member]
Assets Measured on Non-Recurring Basis [Abstract]
Assets, fair value	130	591	$ 0
Losses recognized on assets measured at fair value on a non-recurring basis	0	0
Real Estate Owned [Member]
Assets Measured on Non-Recurring Basis [Abstract]
Assets, fair value	0	833
Losses recognized on assets measured at fair value on a non-recurring basis	$ 0	$ 45

Fair Value, Fair Values of Fina

Fair Value, Fair Values of Financial Instruments (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019		Dec. 31, 2018
Financial Assets [Abstract]
Securities available-for-sale	$ 10,372	$ 11,006		$ 14,722
Carrying Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents		15,566		16,651
Securities available-for-sale		11,006		14,722
Loans receivable held for sale	40,653	0		6,231
Loans receivable held for investment	361,793	397,847	[1]	355,556
Accrued interest receivable		1,223		1,143
Financial Liabilities [Abstract]
Deposits		297,724		281,414
Federal Home Loan Bank advances	115,500	84,000		70,000
Junior subordinated debentures	3,570	4,335		5,100
Accrued interest payable		384		334
Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents		15,566		16,651
Securities available-for-sale		11,006		14,722
Loans receivable held for sale	40,667	0		6,270
Loans receivable held for investment	366,160	404,923	[1]	354,792
Accrued interest receivable		1,223		1,143
Financial Liabilities [Abstract]
Deposits		289,629		269,418
Federal Home Loan Bank advances	119,334	84,997		69,933
Junior subordinated debentures	3,029	3,734		4,481
Accrued interest payable		384		334
Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents		15,566		16,651
Securities available-for-sale		0		1,979
Loans receivable held for sale	0	0		0
Loans receivable held for investment	0	0	[1]	0
Accrued interest receivable		69		78
Financial Liabilities [Abstract]
Deposits		0		0
Federal Home Loan Bank advances	0	0		0
Junior subordinated debentures	0	0		0
Accrued interest payable		0		0
Fair Value [Member] | Level 2 [Member]
Financial Assets [Abstract]
Cash and cash equivalents		0		0
Securities available-for-sale		11,006		12,743
Loans receivable held for sale	40,667	0		6,270
Loans receivable held for investment	0	0	[1]	0
Accrued interest receivable		22		43
Financial Liabilities [Abstract]
Deposits		289,629		269,418
Federal Home Loan Bank advances	119,334	84,997		69,933
Junior subordinated debentures	0	0		0
Accrued interest payable		377		324
Fair Value [Member] | Level 3 [Member]
Financial Assets [Abstract]
Cash and cash equivalents		0		0
Securities available-for-sale		0		0
Loans receivable held for sale	0	0		0
Loans receivable held for investment	366,160	404,923	[1]	354,792
Accrued interest receivable		1,132		1,022
Financial Liabilities [Abstract]
Deposits		0		0
Federal Home Loan Bank advances	0	0		0
Junior subordinated debentures	$ 3,029	3,734		4,481
Accrued interest payable		$ 7		$ 10
[1]	The estimated value of loans held for investment at December 31, 2019 and 2018 reflect an exit price assumption.

Deposits, Summary of Deposits (

Deposits, Summary of Deposits (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Summary of Deposits [Abstract]
NOW account and other demand deposits		$ 9,768	$ 10,307
Non-interest bearing demand deposits		27,090	22,877
Money market deposits		23,589	29,948
Passbook		47,042	45,718
Certificates of deposit		190,235	172,564
Total	$ 325,336	297,724	281,414
Brokered deposits		0	9,900
Reciprocal Deposits from CDARS [Member]
Summary of Deposits [Abstract]
Aggregate amount of certificates of deposits in excess of insured limits		39,300	33,700
One-Way Deposits from CDARS [Member]
Summary of Deposits [Abstract]
Aggregate amount of certificates of deposits in excess of insured limits		$ 40,700	$ 32,600

Deposits, Certificate of Deposi

Deposits, Certificate of Deposit Maturities (FY) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Maturities of Certificates of Deposit [Abstract]
2020	$ 168,441
2021	19,016
2022	1,806
2023	867
2024	105
Thereafter	0
Total	190,235	$ 172,564
Certificate of deposits in denominations of $250,000 or more	25,100	33,900
Deposits from principal officers, directors, and their affiliates	$ 1,800	$ 1,800

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances (FY) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
FHLB Advances [Abstract]
Average balance outstanding during the year		$ 77,049	$ 74,729
Maximum amount outstanding at any month-end during the year		84,000	98,000
Balance outstanding at end of year	$ 115,500	$ 84,000	$ 70,000
Weighted average interest rate at end of year	1.85%	2.32%	2.51%
Average cost of advances during the year		2.42%	2.13%
Weighted average contractual maturity	28 months	18 months	24 months
General borrowing limit		30.00%
FHLB advances, remaining amount available to borrow		$ 59,400
FHLB Maturity [Abstract]
2020		33,500
2021		22,500
2022		18,000
2023		5,000
2024		5,000
Total	$ 115,500	84,000	$ 70,000
First Mortgage Loans [Member]
FHLB Advances [Abstract]
FHLB advances, collateral real estate loans		$ 156,100	$ 151,000

Junior Subordinated Debenture_3

Junior Subordinated Debentures (FY) (Details) - USD ($) $ in Thousands	Oct. 16, 2014	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018	Mar. 17, 2004
Debt Instrument [Abstract]
Junior subordinated debentures		$ 3,570		$ 4,335	$ 5,100
Payment of principal amount		$ 765	$ 510	$ 765	$ 0
Floating Rate Junior Subordinated Debentures [Member]
Debt Instrument [Abstract]
Junior subordinated debentures	$ 5,100
Basis spread term				3 months
Effective interest rate percentage on debentures		2.79%		4.44%
Payment of principal amount	$ 900
Debt instrument, maturity date		Mar. 17, 2024		Mar. 17, 2024
Scheduled principal paid		$ 1,500		$ 765
Scheduled Principal Repayments [Abstract]
2020				1,020
2021				1,020
2022				1,020
2023				1,020
2024				255
Total				$ 4,335
Floating Rate Junior Subordinated Debentures [Member] | 3-Month LIBOR [Member]
Debt Instrument [Abstract]
Basis spread		2.54%		2.54%
Private Placement [Member] | Floating Rate Junior Subordinated Debentures [Member]
Debt Instrument [Abstract]
Junior subordinated debentures						$ 6,000

Employee Benefit Plans (FY) (De

Employee Benefit Plans (FY) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended		9 Months Ended		12 Months Ended
	Dec. 31, 2016	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Broadway Federal 401(k) Plan [Abstract]
Employer matching contribution, percent of match						50.00%
Employer matching contribution, percent of compensation contributed						6.00%
401(k) benefit plan expense						$ 135	$ 131
ESOP Plan [Abstract]
Number of common stock purchased by ESOP (in shares)	1,493,679
Purchase price of common stock (in dollars per share)	$ 1.59
Total cost of shares purchased by ESOP	$ 2,400
Loan to ESOP	$ 1,200
Term of ESOP loan	20 years					20 years
Compensation expense related to ESOP		$ 18	$ 18	$ 50	$ 47	$ 65	$ 80
Shares Held by ESOP [Abstract]
Allocated to participants (in shares)		1,065,275		1,065,275		1,024,429	1,036,809
Committed to be released (in shares)		0		0		10,416	10,580
Suspense shares (in shares)		572,627		572,627		603,876	646,033
Total ESOP shares (in shares)		1,637,902		1,637,902		1,638,721	1,693,422
Fair value of unearned shares		$ 962		$ 962		$ 930	$ 678
Shares released for allocation (in shares)						42,321	42,009
Unearned ESOP shares		$ 909		$ 909		$ 959	$ 1,027
Maximum [Member]
Broadway Federal 401(k) Plan [Abstract]
Employee contributions as a percentage of their compensation						15.00%

Income Taxes, Income Tax Expens

Income Taxes, Income Tax Expense (Benefit) (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Current [Abstract]
Federal					$ (66)	$ (110)
State					5	12
Deferred [Abstract]
Federal					(225)	68
State					(59)	86
Change in valuation allowance					0	0
Total	$ 95	$ (176)	$ (300)	$ (262)	$ (345)	$ 56

Income Taxes, Effective Income

Income Taxes, Effective Income Tax Rate Reconciliation (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Reconciliation of Provision of Income Taxes [Abstract]
Federal statutory rate			21.00%		21.00%
Federal statutory rate times financial statement net (loss) income					$ (115)	$ 183
Effect of [Abstract]
State taxes, net of federal benefit					(45)	77
Change in federal rate					0	0
Earnings from bank owned life insurance					(11)	(16)
Low income housing credits					(198)	(212)
Change in valuation allowance					0	0
Other, net					24	24
Total	$ 95	$ (176)	$ (300)	$ (262)	$ (345)	$ 56

Income Taxes, Deferred Tax Asse

Income Taxes, Deferred Tax Assets and Liabilities (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets [Abstract]
Allowance for loan losses		$ 897	$ 799
Real estate owned		0	65
Accrued liabilities		137	150
State income taxes		36	34
Stock compensation		202	165
Net operating loss carryforward		3,614	3,887
Non-accrual loan interest		1	3
Partnership investment		173	140
General business credit		1,859	1,661
Alternative minimum tax credit		94	151
Unrealized appreciation AFS		0	50
Other		34	28
Total deferred tax assets		7,047	7,133
Deferred tax liabilities [Abstract]
Section 481 Adjustments to bad debts		(660)	(980)
Deferred loan fees/costs		(797)	(775)
Basis difference on fixed assets		(15)	(35)
Net unrealized appreciation on available-for-sale securities		(59)	0
FHLB stock dividends		(266)	(266)
Mortgage servicing rights		(3)	(5)
Prepaid expenses		(27)	(27)
Total deferred tax liabilities		(1,827)	(2,088)
Net deferred tax assets		5,220	5,045
Valuation allowance	$ 0	$ 0	$ 0

Income Taxes, NOL and Tax Credi

Income Taxes, NOL and Tax Credit Carryforwards and Income Tax Uncertainties (FY) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income Taxes [Abstract]
Tax bad debt deduction under the new method	$ 4,300
Period for recapturing excess tax bad debt reserve into taxable income	4 years
Unrecognized tax benefits if recognized would favorably affect income tax provision in future	$ 475	$ 475
Interest accrued during the period related to unrecognized tax benefits	8	$ 5
Federal [Member]
Income Taxes [Abstract]
Net operating loss carryforwards	7,200
Federal [Member] | General Business Tax Credit Carryforward [Member]
Income Taxes [Abstract]
Tax credit carryforward	1,800
Federal [Member] | Alternative Minimum Tax Credit Carryforward [Member]
Income Taxes [Abstract]
Tax credit carryforward	59
California [Member]
Income Taxes [Abstract]
Net operating loss carryforwards	$ 24,500

Stock-Based Compensation, Summa

Stock-Based Compensation, Summary of Plans (FY) (Details) - shares	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019	Jul. 25, 2018	Jul. 24, 2018
2008 LTIP [Member]
Stock-based Compensation [Abstract]
Shares available for awards (in shares)				2,000,000
2018 LTIP [Member]
Stock-based Compensation [Abstract]
Shares available for awards (in shares)	663,842	834,177
Contractual term of option awards	10 years	10 years
Maximum number of shares that can be awarded (in shares)			1,293,109
Aggregate number of shares awarded to date under the plan (in shares)	629,267	458,932

Stock-Based Compensation, Stock

Stock-Based Compensation, Stock Option Activity (FY) (Details) - Stock Options [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding at beginning of period (in shares)			455,000	537,500	537,500	537,500
Granted during period (in shares)	0	0	0	0	0	0
Exercised during period (in shares)			0	0	0	0
Forfeited or expired during period (in shares)			(5,000)	(82,500)	(82,500)	0
Outstanding at end of period (in shares)	450,000	455,000	450,000	455,000	455,000	537,500
Exercisable at end of period (in shares)	360,000	275,000	360,000	275,000	275,000	267,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding at beginning of period (in dollars per share)			$ 1.67	$ 2.19	$ 2.19	$ 2.19
Granted during period (in dollars per share)			0	0	0	0
Exercised during period (in dollars per share)			0	0	0	0
Forfeited or expired during period (in dollars per share)			6	4.89	4.98	0
Outstanding at end of period (in dollars per share)	$ 1.62	$ 1.67	1.62	1.67	1.67	2.19
Exercisable at end of period (in dollars per share)	$ 1.62	$ 1.70	$ 1.62	$ 1.70	$ 1.70	$ 2.71
Share-based Compensation Arrangement by Share-based Payment Award, Additional General Disclosures [Abstract]
Stock based compensation expense	$ 10	$ 29	$ 10	$ 29	$ 38	$ 39
Unrecognized compensation cost	$ 16		$ 16		$ 46
Period of recognition for unrecognized compensation cost			5 months		1 year 1 month 24 days

Stock-Based Compensation, Optio

Stock-Based Compensation, Options Outstanding and Exercisable (FY) (Details) - Stock Options [Member] - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Options, Outstanding [Abstract]
Number Outstanding (in shares)	450,000	455,000
Weighted Average Remaining Contractual Life	5 years 4 months 24 days	6 years 29 days
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.67
Aggregate Intrinsic Value	$ 22,000,000	$ 0
Options, Exercisable [Abstract]
Number Outstanding ( in shares)	360,000	275,000
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.70
Aggregate Intrinsic Value	$ 22,000,000	$ 0
Grant Date January 21, 2010 [Member]
Options, Outstanding [Abstract]
Number Outstanding (in shares)		5,000
Weighted Average Remaining Contractual Life		18 days
Weighted Average Exercise Price (in dollars per share)		$ 6
Options, Exercisable [Abstract]
Number Outstanding ( in shares)		5,000
Weighted Average Exercise Price (in dollars per share)		$ 6
Grant Date February 24, 2016 [Member]
Options, Outstanding [Abstract]
Number Outstanding (in shares)	450,000	450,000
Weighted Average Remaining Contractual Life	5 years 4 months 24 days	6 years 1 month 24 days
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.62
Options, Exercisable [Abstract]
Number Outstanding ( in shares)	360,000	270,000
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.62

Stock-Based Compensation, Restr

Stock-Based Compensation, Restricted Stock and Common Stock Awards (FY) (Details) - USD ($) $ in Thousands

1 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

Feb. 29, 2020

Feb. 28, 2019

Jan. 31, 2019

Feb. 28, 2018

Jan. 31, 2018

Apr. 30, 2017

Mar. 31, 2016

Sep. 30, 2020

Mar. 31, 2020

Mar. 31, 2019

Mar. 31, 2018

Sep. 30, 2020

Dec. 31, 2019

Dec. 31, 2018

Common Stock [Member]

Stock-based Compensation [Abstract]

Shares issued for services (in shares)

42,168

18,906

2008 LTIP [Member] | Chief Executive Officer [Member] | Restricted Stock [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

120,483

Award vesting period

2 years

Stock based compensation expense

$ 3

$ 26

$ 147

$ 54

Shares issued for services (in shares)

97,195

129,270

Number of shares of common stock used in calculating fair market value of common stock when considering cash payment for each RSU (in shares)

1

2008 LTIP [Member] | Chief Executive Officer [Member] | Restricted Stock [Member] | Tranche One [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

100,000

Award vesting period

2 years

2008 LTIP [Member] | Chief Executive Officer [Member] | Restricted Stock [Member] | Tranche Two [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

20,483

Award vesting period

3 years

2018 LTIP [Member] | Restricted Stock [Member]

Stock-based Compensation [Abstract]

Unrecognized compensation cost

$ 299

Period of recognition for unrecognized compensation cost

14 months

2018 LTIP [Member] | Directors [Member] | Common Stock [Member]

Stock-based Compensation [Abstract]

Stock based compensation expense

$ 45

$ 52

$ 45

Shares issued for services (in shares)

30,930

42,168

18,906

2018 LTIP [Member] | Directors [Member] | Common Stock [Member] | Subsequent Event [Member]

Stock-based Compensation [Abstract]

Stock based compensation expense

$ 45

Shares issued for services (in shares)

30,930

2018 LTIP [Member] | Officers and Employees [Member] | Restricted Stock [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

140,218

428,797

Number of shares forfeited (in shares)

0

12,033

Award vesting period

2 years

2 years

2 years

Stock based compensation expense

$ 90

$ 251

$ 216

Unrecognized compensation cost

$ 251

$ 251

Period of recognition for unrecognized compensation cost

17 months

2 years

2018 LTIP [Member] | Officers and Employees [Member] | Restricted Stock [Member] | Subsequent Event [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

140,218

Capital and Regulatory Matter_3

Capital and Regulatory Matters (FY) (Details) $ in Thousands	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2015
Actual [Abstract]
Tier 1 (Leverage), Amount	$ 47,779	$ 48,541	$ 49,433
Tier 1 (Leverage), Ratio	0.0984	0.1156	0.1203
Common Equity Tier 1, Amount	$ 47,779	$ 48,541	$ 49,433
Common Equity Tier 1, Ratio	0.1694	0.1714	0.1932
Tier 1, Amount	$ 47,779	$ 48,541	$ 49,433
Tier 1, Ratio	0.1694	0.1714	0.1932
Total Capital, Amount	$ 51,053	$ 51,790	$ 52,417
Total Capital, Ratio	0.1810	0.1829	0.2048
Minimum Capital Requirements [Abstract]
Tier 1 (Leverage), Amount	$ 19,429	$ 16,798	$ 16,439
Tier 1 (leverage), Ratio	0.0400	0.0400	0.0400
Common Equity Tier 1, Amount	$ 12,693	$ 12,743	$ 18,494
Common Equity Tier 1, Ratio	0.0450	0.0450	0.0450
Tier 1, Amount	$ 16,924	$ 16,990	$ 24,659
Tier 1, Ratio	0.0600	0.0600	0.0600
Total Capital, Amount	$ 22,565	$ 22,654	$ 32,879
Total Capital, Ratio	0.0800	0.0800	0.0800
Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions [Abstract]
Tier 1 (Leverage), Amount	$ 24,286	$ 20,997	$ 20,549
Tier 1 (Leverage), Ratio	0.0500	0.0500	0.0500
Common Equity Tier 1, Amount	$ 18,334	$ 18,406	$ 16,634
Common Equity Tier 1, Ratio	0.0650	0.0650	0.0650
Tier 1, Amount	$ 22,565	$ 22,654	$ 20,472
Tier 1, Ratio	0.0800	0.0800	0.0800
Total Capital, Amount	$ 28,206	$ 28,318	$ 25,590
Total Capital, Ratio	0.1000	0.1000	0.1000
Conservation Buffer Rule Starting January 2016 [Member]
Regulatory Matters [Abstract]
Capital conservation buffer percentage				0.625%
Conservation Buffer Rule Subsequent To 2016 [Member]
Regulatory Matters [Abstract]
Capital conservation buffer annual increase percentage				0.625%
Conservation Buffer Rule [Member]
Regulatory Matters [Abstract]
Capital conservation buffer percentage			2.50%

Loan Commitments and Other Re_3

Loan Commitments and Other Related Activities (FY) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Loan	Dec. 31, 2018USD ($)
Commitments to Make Loans [Member]
Contractual Amounts of Financial Instruments Off-Balance-Sheet Risk [Abstract]
Contractual amounts of financial instruments off-balance-sheet risk	$ 5,930	$ 10,875
Commitments to Make Loans [Member] | Maximum [Member]
Commitments Loans [Abstract]
Loan commitment period	60 days
Commitments to Make Loans [Member] | Real Estate [Member] | Multi-family Loans [Member]
Commitments Loans [Abstract]
Number of loan commitments | Loan	2
Loan period of initial interest rate term	5 years
Commitments to Make Loans [Member] | Real Estate [Member] | Multi-family Loans [Member] | Minimum [Member]
Commitments Loans [Abstract]
Initial interest rate	3.50%
Commitments to Make Loans [Member] | Real Estate [Member] | Multi-family Loans [Member] | Maximum [Member]
Commitments Loans [Abstract]
Initial interest rate	3.75%
Unused Lines of Credit [Member]
Contractual Amounts of Financial Instruments Off-Balance-Sheet Risk [Abstract]
Contractual amounts of financial instruments off-balance-sheet risk	$ 1,970	$ 1,491

Parent Company Only Condensed_3

Parent Company Only Condensed Financial Information, Condensed Balance Sheet (FY) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets [Abstract]
Cash and cash equivalents	$ 69,716		$ 15,566			$ 16,651
Other assets	530		545			669
Total assets	499,217		440,369			409,397
Liabilities and stockholders' equity [Abstract]
Junior subordinated debentures	3,570		4,335			5,100
us-gaap_AccruedLiabilitiesAndOtherLiabilities	3,904		4,429			3,392
Stockholders' equity	49,366	$ 49,520	48,848	$ 48,860	$ 49,016	48,436	$ 47,731
Total liabilities and stockholders' equity	$ 499,217		440,369			409,397
Broadway Financial Corporation [Member]
Assets [Abstract]
Cash and cash equivalents			134			156
Investment in bank subsidiary			50,594			51,221
Other assets			2,512			2,225
Total assets			53,240			53,602
Liabilities and stockholders' equity [Abstract]
Junior subordinated debentures			4,335			5,100
us-gaap_AccruedLiabilitiesAndOtherLiabilities			57			66
Stockholders' equity			48,848			48,436
Total liabilities and stockholders' equity			$ 53,240			$ 53,602

Parent Company Only Condensed_4

Parent Company Only Condensed Financial Information, Condensed Statements of Income (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Condensed Statements of Income [Abstract]
Interest income	$ 4,574	$ 4,015	$ 13,713	$ 12,473	$ 16,847	$ 15,237
Interest expense	(1,197)	(1,623)	(4,407)	(4,806)	(6,386)	(4,929)
Other expense	(215)	(179)	(499)	(524)	(662)	(950)
(Loss) income before income taxes	(149)	(455)	(361)	(399)	(551)	871
Income tax benefit (expense)	(95)	176	300	262	345	(56)
Net (loss) income	$ (244)	$ (279)	$ (61)	$ (137)	(206)	815
Broadway Financial Corporation [Member]
Condensed Statements of Income [Abstract]
Interest income					23	25
Interest expense					(247)	(243)
Other expense					(720)	(469)
(Loss) income before income taxes					(944)	(687)
Income tax benefit (expense)					279	205
Equity in undistributed subsidiary income					459	1,297
Net (loss) income					$ (206)	$ 815

Parent Company Only Condensed_5

Parent Company Only Condensed Financial Information, Condensed Statements of Cash Flows (FY) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities [Abstract]
Net (loss) income	$ (244)	$ (279)	$ (61)	$ (137)	$ (206)	$ 815
Adjustments to reconcile net (loss) income to net cash used in operating activities [Abstract]
Change in other assets			15	5	124	187
Change in accrued expenses and other liabilities			(125)	322	310	(120)
Net cash (used in) provided by operating activities			(39,763)	8,540	8,533	234
Cash flows from investing activities [Abstract]
Net cash provided by (used in) investing activities			35,566	(6,498)	(39,149)	(818)
Cash flows from financing activities [Abstract]
Net cash provided by (used in) financing activities			58,347	3,129	29,531	(4,984)
Net change in cash and cash equivalents			54,150	5,171	(1,085)	(5,568)
Cash and cash equivalents at beginning of the period			15,566	16,651	16,651	22,219
Cash and cash equivalents at end of the period	$ 69,716	$ 21,822	69,716	21,822	15,566	16,651
Broadway Financial Corporation [Member]
Cash flows from operating activities [Abstract]
Net (loss) income					(206)	815
Adjustments to reconcile net (loss) income to net cash used in operating activities [Abstract]
Equity in undistributed subsidiary income					(459)	(1,297)
Change in other assets					(287)	(210)
Change in accrued expenses and other liabilities					(9)	(112)
Net cash (used in) provided by operating activities					(961)	(804)
Cash flows from investing activities [Abstract]
Dividends from bank subsidiary					1,650	600
Net cash provided by (used in) investing activities					1,650	600
Cash flows from financing activities [Abstract]
Common stock repurchased for tax withholdings					(14)	(108)
Repayments of borrowings					(765)	0
Proceeds from repayment of ESOP loan					68	68
Net cash provided by (used in) financing activities					(711)	(40)
Net change in cash and cash equivalents					(22)	(244)
Cash and cash equivalents at beginning of the period			$ 134	$ 156	156	400
Cash and cash equivalents at end of the period					$ 134	$ 156

(Loss) Earnings Per Common Sh_3

(Loss) Earnings Per Common Share (FY) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
(Loss) Earnings Per Common Share [Abstract]
Net (loss) income	$ (244)	$ (279)	$ (61)	$ (137)	$ (206)	$ 815
Less net income attributable to participating securities	2	4	1	2	0	(3)
(Loss) income available to common stockholders	$ (242)	$ (275)	$ (60)	$ (135)	$ (206)	$ 812
Weighted average common shares outstanding for basic earnings per common share (in shares)	27,224,344	26,907,546	27,114,022	26,782,325	26,833,693	26,755,405
Add: dilutive effects of unvested restricted stock awards (in shares)	0	0	0	0	0	7,044
Weighted average common shares outstanding for diluted earnings (loss) per common share (in shares)	27,224,344	26,907,546	27,114,022	26,782,325	26,833,693	26,762,449
(Loss) earnings per common share-basic (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03
(Loss) earnings per common share - diluted (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03
Stock Options [Member]
(Loss) Earnings Per Common Share [Abstract]
Anti-dilutive stock not considered in computing diluted earnings per common share (in shares)					275,000	267,000

Pending Acquisition (Q3) (Detai

Pending Acquisition (Q3) (Details) $ / shares in Units, $ in Thousands	Aug. 25, 2020$ / shares	Sep. 30, 2020USD ($)$ / shares	Dec. 31, 2019USD ($)$ / shares	Dec. 31, 2018$ / shares
Unaudited pro forma information [Abstract]
Net interest income | $		$ 17,817	$ 23,606
Net income | $		$ 2,090	$ 3,241
Basic earnings per share (in dollars per share)		$ 0.04	$ 0.06
Diluted earnings per share (in dollars per share)		0.04	0.06
Common Stock Voting [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)		0.01	0.01	$ 0.01
Common Stock Non-Voting [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)		$ 0.01	$ 0.01	$ 0.01
City First [Member] | Common Class A [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)	$ 0.50
City First [Member] | Common Class B [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)	0.50
City First [Member] | Common Stock Voting [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)	$ 0.01
Share conversion ratio	13.626
City First [Member] | Common Stock Non-Voting [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)	$ 0.01
City First [Member] | Series A Preferred Stock [Member]
Pending Acquisition [Abstract]
Share conversion ratio	1
City First [Member] | Series B Preferred Stock [Member]
Pending Acquisition [Abstract]
Common stock, par value (in dollars per share)	$ 0.50

Loss Per Share of Common Stoc_3

Loss Per Share of Common Stock (Q3) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Earnings Per Share Reconciliation [Abstract]
Net loss	$ (244)	$ (279)	$ (61)	$ (137)	$ (206)	$ 815
Less net loss attributable to participating securities	(2)	(4)	(1)	(2)	0	3
(Loss) income available to common stockholders	$ (242)	$ (275)	$ (60)	$ (135)	$ (206)	$ 812
Weighted average common shares outstanding for basic loss per common share (in shares)	27,224,344	26,907,546	27,114,022	26,782,325	26,833,693	26,755,405
Add: dilutive effects of assumed exercises of stock options (in shares)	0	0	0	0
Add: dilutive effects of unvested restricted stock awards (in shares)	0	0	0	0	0	7,044
Weighted average common shares outstanding for diluted earnings (loss) per common share (in shares)	27,224,344	26,907,546	27,114,022	26,782,325	26,833,693	26,762,449
Loss per common share - basic (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03
Loss per common share - diluted (in dollars per share)	$ (0.01)	$ (0.01)	$ 0	$ (0.01)	$ (0.01)	$ 0.03
Common Stock [Member]
Earnings Per Share Reconciliation [Abstract]
Net loss					$ 0	$ 0
Earnings Per Share, Diluted, Other Disclosures [Abstract]
Anti-dilutive stock not considered in computing diluted earnings per common share (in shares)	341,750	455,000	372,818	455,000
Unvested Restricted Stock [Member]
Earnings Per Share, Diluted, Other Disclosures [Abstract]
Anti-dilutive stock not considered in computing diluted earnings per common share (in shares)	236,249		301,533
Stock Options [Member]
Earnings Per Share, Diluted, Other Disclosures [Abstract]
Anti-dilutive stock not considered in computing diluted earnings per common share (in shares)		450,000		450,000

Securities (Q3) (Details)

Securities (Q3) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)security
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 9,882		$ 9,882		$ 10,806	$ 14,892
Gross Unrealized Gains	490		490		200	88
Gross Unrealized Losses	0		0		0	258
Fair Value	10,372		10,372		11,006	14,722
Securities pledged to secure public deposits	0		0		0	0
Securities of any one issuer, other than U.S. Government, greater than 10% of stockholders' equity	0		0		0	0
Sales of securities	$ 0	$ 0	$ 0	$ 0	$ 0	$ 0
Number of securities held with unrealized gains | security	26		26		24	0
Federal Agency Mortgage-backed Securities [Member]
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 6,182		$ 6,182		$ 7,792	$ 9,575
Gross Unrealized Gains	278		278		164	88
Gross Unrealized Losses	0		0		0	155
Fair Value	$ 6,460		$ 6,460		$ 7,956	9,508
Number of securities held | security	22		22		22
Estimated average remaining life			2 years 10 months 24 days		4 years 4 months 24 days
Federal Agency Debt [Member]
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 2,850		$ 2,850		$ 3,014	5,317
Gross Unrealized Gains	208		208		36	0
Gross Unrealized Losses	0		0		0	103
Fair Value	$ 3,058		$ 3,058		$ 3,050	$ 5,214
Number of securities held | security	4		4		2
Estimated average remaining life			5 years 7 months 6 days		5 years 7 months 6 days
Municipal Bonds [Member]
Available-for-Sale Investment Securities Portfolios [Abstract]
Amortized Cost	$ 850		$ 850
Gross Unrealized Gains	4		4
Gross Unrealized Losses	0		0
Fair Value	$ 854		$ 854
Number of securities held | security	2		2
Purchase of securities	$ 850		$ 850
Weighted average rate	1.41%		1.41%
Weighted average remaining life	7 years		7 years

Loans Receivable Held for Sal_5

Loans Receivable Held for Sale (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable Held for Sale [Abstract]
Gross loans receivable before deferred loan origination costs	$ 40,503	$ 0
Net deferred loan origination costs	150	0
Loans receivable held for sale, net	$ 40,653	$ 0	$ 6,231

Loans Receivable Held for In_14

Loans Receivable Held for Investment (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	$ 363,646		$ 399,701			$ 357,548
Unamortized net deferred loan costs and premiums	1,362		1,328			937
Gross loans receivable	365,008		401,029			358,485
Allowance for loan losses	(3,215)	$ (3,215)	(3,182)	$ (2,818)	$ (2,771)	(2,929)	$ (4,069)
Loans receivable, net	361,793		397,847			355,556
Real Estate [Member] | Single Family [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	53,976		72,883
Gross loans receivable	54,134		73,112
Allowance for loan losses	(321)	(312)	(312)	(328)	(328)	(369)
Real Estate [Member] | Multi-Family [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	269,874		287,378
Gross loans receivable	271,375		289,043
Allowance for loan losses	(2,425)	(2,424)	(2,319)	(1,998)	(1,932)	(1,880)
Real Estate [Member] | Commercial Real Estate [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	20,025		14,728			5,802
Gross loans receivable	20,086		14,818			5,800
Allowance for loan losses	(186)	(169)	(133)	(58)	(58)	(52)	(71)
Real Estate [Member] | Church [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	17,789		21,301			25,934
Gross loans receivable	17,431		20,648			25,096
Allowance for loan losses	(254)	(282)	(362)	(377)	(401)	(603)	(1,081)
Real Estate [Member] | Construction [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	1,672		3,128			1,876
Gross loans receivable	1,672		3,125			1,872
Allowance for loan losses	(22)	(22)	(48)	(50)	(44)	(19)	(17)
Commercial - Other [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	302		262			226
Gross loans receivable	302		262			226
Allowance for loan losses	(5)	(6)	(7)	(5)	(5)	(6)	(6)
Consumer [Member]
Loans Receivable Held for Investment, Net [Abstract]
Gross loans receivable before deferred loan costs and premiums	8		21			5
Gross loans receivable	8		21			5
Allowance for loan losses	$ (2)	$ 0	$ (1)	$ (2)	$ (3)	$ 0	$ 0

Loans Receivable Held for In_15

Loans Receivable Held for Investment, Activity in Allowance for Loan Losses by Loan Type (Q3) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	$ 3,215	$ 2,771	$ 3,182	$ 2,929	$ 2,929	$ 4,069
Provision for (recapture of) loan losses	0	47	29	(301)	(7)	(1,254)
Recoveries	0	0	4	190	260	114
Loans charged off	0	0	0	0	0	0
Ending balance	3,215	2,818	3,215	2,818	3,182	2,929
Real Estate [Member] | Single Family [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	312	328	312	369	369
Provision for (recapture of) loan losses	9	0	5	(41)
Recoveries	0	0	4	0
Loans charged off	0	0	0	0
Ending balance	321	328	321	328	312	369
Real Estate [Member] | Multi-Family [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	2,424	1,932	2,319	1,880	1,880
Provision for (recapture of) loan losses	1	66	106	118
Recoveries	0	0	0	0
Loans charged off	0	0	0	0
Ending balance	2,425	1,998	2,425	1,998	2,319	1,880
Real Estate [Member] | Commercial Real Estate [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	169	58	133	52	52	71
Provision for (recapture of) loan losses	17	0	53	6	81	(19)
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	186	58	186	58	133	52
Real Estate [Member] | Church [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	282	401	362	603	603	1,081
Provision for (recapture of) loan losses	(28)	(24)	(108)	(416)	(501)	(592)
Recoveries	0	0	0	190	260	114
Loans charged off	0	0	0	0	0	0
Ending balance	254	377	254	377	362	603
Real Estate [Member] | Construction [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	22	44	48	19	19	17
Provision for (recapture of) loan losses	0	6	(26)	31	29	2
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	22	50	22	50	48	19
Commercial - Other [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	6	5	7	6	6	6
Provision for (recapture of) loan losses	(1)	0	(2)	(1)	1	0
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	5	5	5	5	7	6
Consumer [Member]
Allowance for Loan and Lease Losses by Loan Type [Roll Forward]
Beginning balance	0	3	1	0	0	0
Provision for (recapture of) loan losses	2	(1)	1	2	1	0
Recoveries	0	0	0	0	0	0
Loans charged off	0	0	0	0	0	0
Ending balance	$ 2	$ 2	$ 2	$ 2	$ 1	$ 0

Loans Receivable Held for In_16

Loans Receivable Held for Investment, Allowance for Loan Losses and Recorded Investment in Loans by Type of Loans and Based on Impairment Method (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	$ 148		$ 147			$ 227
Collectively evaluated for impairment	3,067		3,035			2,702
Total ending allowance balance	3,215	$ 3,215	3,182	$ 2,818	$ 2,771	2,929	$ 4,069
Loans [Abstract]
Loans individually evaluated for impairment	4,799		5,343			6,380
Loans collectively evaluated for impairment	360,209		395,686			352,105
Gross loans receivable	365,008		401,029			358,485
Real Estate [Member] | Single Family [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	91		60
Collectively evaluated for impairment	230		252
Total ending allowance balance	321	312	312	328	328	369
Loans [Abstract]
Loans individually evaluated for impairment	586		611
Loans collectively evaluated for impairment	53,548		72,501
Gross loans receivable	54,134		73,112
Real Estate [Member] | Multi-Family [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,425		2,319
Total ending allowance balance	2,425	2,424	2,319	1,998	1,932	1,880
Loans [Abstract]
Loans individually evaluated for impairment	304		313
Loans collectively evaluated for impairment	271,071		288,730
Gross loans receivable	271,375		289,043
Real Estate [Member] | Commercial Real Estate [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	186		133			52
Total ending allowance balance	186	169	133	58	58	52	71
Loans [Abstract]
Loans individually evaluated for impairment	0		0			0
Loans collectively evaluated for impairment	20,086		14,818			5,800
Gross loans receivable	20,086		14,818			5,800
Real Estate [Member] | Church [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	56		85			170
Collectively evaluated for impairment	198		277			433
Total ending allowance balance	254	282	362	377	401	603	1,081
Loans [Abstract]
Loans individually evaluated for impairment	3,860		4,356			5,383
Loans collectively evaluated for impairment	13,571		16,292			19,713
Gross loans receivable	17,431		20,648			25,096
Real Estate [Member] | Construction [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	22		48			19
Total ending allowance balance	22	22	48	50	44	19	17
Loans [Abstract]
Loans individually evaluated for impairment	0		0			0
Loans collectively evaluated for impairment	1,672		3,125			1,872
Gross loans receivable	1,672		3,125			1,872
Commercial - Other [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	1		2			4
Collectively evaluated for impairment	4		5			2
Total ending allowance balance	5	6	7	5	5	6	6
Loans [Abstract]
Loans individually evaluated for impairment	49		63			64
Loans collectively evaluated for impairment	253		199			162
Gross loans receivable	302		262			226
Consumer [Member]
Ending Allowance Balance Attributable to Loans [Abstract]
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	2		1			0
Total ending allowance balance	2	$ 0	1	$ 2	$ 3	0	$ 0
Loans [Abstract]
Loans individually evaluated for impairment	0		0			0
Loans collectively evaluated for impairment	8		21			5
Gross loans receivable	$ 8		$ 21			$ 5

Loans Receivable Held for In_17

Loans Receivable Held for Investment, Loans Individually Evaluated for Impairment by Loan Type (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
With an Allowance Recorded [Abstract]
Allowance for loan losses allocated	$ 148	$ 147	$ 227
Total [Abstract]
Unpaid principal balance	5,348	6,388	8,243
Recorded investment	4,799	5,343	6,380
Real Estate [Member] | Single Family [Member]
With No Related Allowance Recorded [Abstract]
Unpaid principal balance	9	0
Recorded investment	8	0
With an Allowance Recorded [Abstract]
Unpaid principal balance	578	593
Recorded investment	578	593
Allowance for loan losses allocated	91	60
Real Estate [Member] | Multi-Family [Member]
With No Related Allowance Recorded [Abstract]
Unpaid principal balance	304	313
Recorded investment	304	313
Real Estate [Member] | Church [Member]
With No Related Allowance Recorded [Abstract]
Unpaid principal balance	2,546	3,491	4,666
Recorded investment	1,999	2,446	2,803
With an Allowance Recorded [Abstract]
Unpaid principal balance	1,861	1,928	2,580
Recorded investment	1,861	1,928	2,580
Allowance for loan losses allocated	56	85	170
Commercial - Other [Member]
With an Allowance Recorded [Abstract]
Unpaid principal balance	50	63	64
Recorded investment	49	63	64
Allowance for loan losses allocated	$ 1	$ 2	$ 4

Loans Receivable Held for In_18

Loans Receivable Held for Investment, Average of Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income (Q3) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	$ 4,882	$ 5,683	$ 5,055	$ 6,220	$ 6,024	$ 8,904
Cash basis interest income recognized	80	90	417	636	995	455
Foregone interest income	22	41	67	121	120	280
Loans delinquent amount	0		0
Real Estate [Member] | Single Family [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	589	625	596	631
Cash basis interest income recognized	7	7	22	22
Real Estate [Member] | Multi-Family [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	305	317	308	320
Cash basis interest income recognized	5	6	16	17
Real Estate [Member] | Church [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	3,938	4,678	4,094	5,206	5,017	7,893
Cash basis interest income recognized	67	76	376	594	939	398
Commercial - Other [Member]
Loans Individually Evaluated for Impairment by Loan Type and Related Interest Income [Abstract]
Average recorded investment	50	63	57	63	63	64
Cash basis interest income recognized	$ 1	$ 1	$ 3	$ 3	$ 5	$ 4

Loans Receivable Held for In_19

Loans Receivable Held for Investment, Aging of Recorded Investment in Past Due Loans by Loan Type (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	$ 84	$ 18	$ 35
Current	364,924	401,011	358,450
Gross loans receivable	365,008	401,029	358,485
30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	76	18	35
60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	8	0	0
Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Single Family [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	84	18
Current	54,050	73,094
Gross loans receivable	54,134	73,112
Real Estate [Member] | Single Family [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	76	18
Real Estate [Member] | Single Family [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	8	0
Real Estate [Member] | Single Family [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0
Real Estate [Member] | Multi-Family [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0
Current	271,375	289,043
Gross loans receivable	271,375	289,043
Real Estate [Member] | Multi-Family [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0
Real Estate [Member] | Multi-Family [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0
Real Estate [Member] | Multi-Family [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0
Real Estate [Member] | Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	20,086	14,818	5,800
Gross loans receivable	20,086	14,818	5,800
Real Estate [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Church [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	17,431	20,648	25,096
Gross loans receivable	17,431	20,648	25,096
Real Estate [Member] | Church [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Church [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Church [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	1,672	3,125	1,872
Gross loans receivable	1,672	3,125	1,872
Real Estate [Member] | Construction [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Real Estate [Member] | Construction [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Commercial - Other [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	302	262	226
Gross loans receivable	302	262	226
Commercial - Other [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Commercial - Other [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Commercial - Other [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Current	8	21	5
Gross loans receivable	8	21	5
Consumer [Member] | 30-59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Consumer [Member] | 60-89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	0	0	0
Consumer [Member] | Greater than 90 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Loan Type [Abstract]
Total Past Due	$ 0	$ 0	$ 0

Loans Receivable Held for In_20

Loans Receivable Held for Investment, Recorded Investment in Non-accrual Loans by Loan Type (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable Held for Investment [Abstract]
Total non-accrual loans	$ 820	$ 424	$ 911
Loans 90 days or more delinquent that were accruing interest	0	0	0
Real Estate [Member] | Single Family [Member]
Loans Receivable Held for Investment [Abstract]
Total non-accrual loans	8	18
Real Estate [Member] | Church [Member]
Loans Receivable Held for Investment [Abstract]
Total non-accrual loans	$ 812	$ 406	$ 911

Loans Receivable Held for In_21

Loans Receivable Held for Investment, Troubled Debt Restructurings (Q3) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)LoanBorrower	Sep. 30, 2019Loan	Sep. 30, 2020USD ($)LoanBorrower	Sep. 30, 2019Loan	Dec. 31, 2019USD ($)Loan	Dec. 31, 2018USD ($)Loan
Troubled Debt Restructurings [Abstract]
Number of borrowers who requested for loan modification | Borrower	0		0
Loans classified as troubled debt restructurings	$ 4,200		$ 4,200		$ 4,700	$ 6,400
Specific reserves allocated to TDRs	148		$ 148		$ 147	227
Timely payment period for return to accrual status			6 months		6 months
Commitments to lend additional amounts to customers with TDRs	$ 0		$ 0		$ 0	$ 0
Number of loans modified | Loan	0	0	0	0	0	0
Non-accrual Status [Member]
Troubled Debt Restructurings [Abstract]
Loans classified as troubled debt restructurings	$ 243		$ 243		$ 406	$ 591
Accrual Status [Member]
Troubled Debt Restructurings [Abstract]
Loans classified as troubled debt restructurings	$ 4,000		$ 4,000		$ 4,300	$ 5,800

Loans Receivable Held for In_22

Loans Receivable Held for Investment, Credit Quality Indicators (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	$ 365,008	$ 401,029	$ 358,485
Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	359,639	396,054	352,291
Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	2,158	822	672
Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	35
Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	3,211	4,153	5,487
Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Single Family [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	54,134	73,112
Real Estate [Member] | Single Family [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	54,127	73,094
Real Estate [Member] | Single Family [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Single Family [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Single Family [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	7	18
Real Estate [Member] | Single Family [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Single Family [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Multi-Family [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	271,375	289,043
Real Estate [Member] | Multi-Family [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	271,008	288,251
Real Estate [Member] | Multi-Family [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	411
Real Estate [Member] | Multi-Family [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Multi-Family [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	367	381
Real Estate [Member] | Multi-Family [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Multi-Family [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0
Real Estate [Member] | Commercial Real Estate [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	20,086	14,818	5,800
Real Estate [Member] | Commercial Real Estate [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	18,590	14,818	5,800
Real Estate [Member] | Commercial Real Estate [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	1,496	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Church [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	17,431	20,648	25,096
Real Estate [Member] | Church [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	13,982	16,546	19,678
Real Estate [Member] | Church [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	662	411	672
Real Estate [Member] | Church [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Church [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	2,787	3,691	4,746
Real Estate [Member] | Church [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Church [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	1,672	3,125	1,872
Real Estate [Member] | Construction [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	1,672	3,125	1,872
Real Estate [Member] | Construction [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Real Estate [Member] | Construction [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	302	262	226
Commercial - Other [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	252	199	162
Commercial - Other [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	50	63	64
Commercial - Other [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Commercial - Other [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	8	21	5
Consumer [Member] | Pass [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	8	21	5
Consumer [Member] | Watch [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Special Mention [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Substandard [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Doubtful [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	0	0	0
Consumer [Member] | Loss [Member]
Risk Grade Category of Loans by Loan Type [Abstract]
Loans receivable	$ 0	$ 0	$ 0

Leases, Operating Leases (Q3) (

Leases, Operating Leases (Q3) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)Option	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)Option	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)Option	Dec. 31, 2018USD ($)
Operating Lease [Abstract]
Number of options to extend | Option	1		1		1
Operating lease, extension term	5 years		5 years		5 years
ROU asset	$ 326		$ 326		$ 727
Operating lease liability	332		332		735
Operating lease expense	$ 121	$ 123	$ 363	$ 368	$ 600	$ 593

Leases, Additional Informatio_2

Leases, Additional Information for Operating Leases (Q3) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Cash paid for amounts included in the measurement of lease liabilities for operating leases:	$ 88	$ 262	$ 542
Weighted average remaining lease term in months	7 months	7 months	16 months
Weighted average discount rate	2.75%	2.75%	2.75%

Leases, Future Minimum Paymen_2

Leases, Future Minimum Payments for Operating Leases (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Future Minimum Payments for Operating Leases [Abstract]
Three months ended December 31, 2020	$ 140
Year ended December 31, 2021	195	$ 555
Total Future Minimum Lease Payments	335	750
Amounts Representing Interest	(3)	(15)
Present Value of Net Future Minimum Lease Payments	$ 332	$ 735

Borrowings (Q3) (Details)

Borrowings (Q3) (Details) - USD ($) $ in Thousands	Oct. 16, 2014	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018	Mar. 17, 2004
Borrowings [Abstract]
Advances from Federal Home Loan Banks		$ 115,500		$ 84,000	$ 70,000
Weighted average interest rate		1.85%		2.32%	2.51%
Weighted average contractual maturity		28 months		18 months	24 months
Junior subordinated debentures		$ 3,570		$ 4,335	$ 5,100
Payment of principal amount		$ 765	$ 510	$ 765	$ 0
Floating Rate Junior Subordinated Debentures [Member]
Borrowings [Abstract]
Junior subordinated debentures	$ 5,100
Effective interest rate percentage on debentures		2.79%		4.44%
Payment of principal amount	$ 900
Debt instrument, maturity date		Mar. 17, 2024		Mar. 17, 2024
Scheduled principal payment		$ 1,500		$ 765
Floating Rate Junior Subordinated Debentures [Member] | 3-Month LIBOR [Member]
Borrowings [Abstract]
Basis spread		2.54%		2.54%
Private Placement [Member] | Floating Rate Junior Subordinated Debentures [Member]
Borrowings [Abstract]
Junior subordinated debentures						$ 6,000
First Mortgage Loans [Member]
Borrowings [Abstract]
FHLB advances, collateral real estate loans		$ 204,600		$ 156,100

Fair Value, Assets Measured o_3

Fair Value, Assets Measured on Recurring Basis Borrowings (Q3) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	$ 10,372		$ 10,372		$ 11,006	$ 14,722
Transfer between level 1 and level 2	0	$ 0	0	$ 0	0	0
Transfer between level 2 and level 1	0	0	0	0	0	0
Transfer into level 3	0	0	0	0	0	0
Transfer out of level 3	0	$ 0	0	$ 0	0	0
Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	6,460		6,460		7,956	9,508
Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	3,058		3,058		3,050	5,214
Municipal Bonds [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	854		854
Recurring Basis [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	6,460		6,460		7,956	9,508
Recurring Basis [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	3,058		3,058		3,050	5,214
Recurring Basis [Member] | Municipal Bonds [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	854		854
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		0	1,979
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Municipal Bonds [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	6,460		6,460		7,956	9,508
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	3,058		3,058		3,050	3,235
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Municipal Bonds [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	854		854
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Federal Agency Mortgage-backed [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Federal Agency Debt [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	0		0		$ 0	$ 0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Municipal Bonds [Member]
Assets Measured on Recurring Basis [Abstract]
Securities available-for-sale	$ 0		$ 0

Fair Value, Assets Measured o_4

Fair Value, Assets Measured on Non-Recurring Basis Borrowings (Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Non-Recurring Basis [Member] | Impaired Loans Carried at Fair Value of Collateral [Member]
Assets Measured on Non-Recurring Basis [Abstract]
Assets, fair value	$ 0	$ 130	$ 591

Fair Value, Fair Values of Fi_2

Fair Value, Fair Values of Financial Instruments(Q3) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019		Dec. 31, 2018
Carrying Value [Member]
Financial Assets [Abstract]
Loans receivable held for sale	$ 40,653	$ 0		$ 6,231
Loans receivable held for investment	361,793	397,847	[1]	355,556
Financial Liabilities [Abstract]
Time Deposits	147,703	190,235
Federal Home Loan Bank advances	115,500	84,000		70,000
Junior subordinated debentures	3,570	4,335		5,100
Fair Value [Member]
Financial Assets [Abstract]
Loans receivable held for sale	40,667	0		6,270
Loans receivable held for investment	366,160	404,923	[1]	354,792
Financial Liabilities [Abstract]
Time Deposits	148,380	190,353
Federal Home Loan Bank advances	119,334	84,997		69,933
Junior subordinated debentures	3,029	3,734		4,481
Level 1 [Member] | Fair Value [Member]
Financial Assets [Abstract]
Loans receivable held for sale	0	0		0
Loans receivable held for investment	0	0	[1]	0
Financial Liabilities [Abstract]
Time Deposits	0	0
Federal Home Loan Bank advances	0	0		0
Junior subordinated debentures	0	0		0
Level 2 [Member] | Fair Value [Member]
Financial Assets [Abstract]
Loans receivable held for sale	40,667	0		6,270
Loans receivable held for investment	0	0	[1]	0
Financial Liabilities [Abstract]
Time Deposits	148,380	190,353
Federal Home Loan Bank advances	119,334	84,997		69,933
Junior subordinated debentures	0	0		0
Level 3 [Member] | Fair Value [Member]
Financial Assets [Abstract]
Loans receivable held for sale	0	0		0
Loans receivable held for investment	366,160	404,923	[1]	354,792
Financial Liabilities [Abstract]
Time Deposits	0	0
Federal Home Loan Bank advances	0	0		0
Junior subordinated debentures	$ 3,029	$ 3,734		$ 4,481
[1]	The estimated value of loans held for investment at December 31, 2019 and 2018 reflect an exit price assumption.

Stock-based Compensation, Sum_2

Stock-based Compensation, Summary of Plans (Q3) (Details) - USD ($) $ in Thousands

1 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

Feb. 29, 2020

Feb. 28, 2019

Jan. 31, 2019

Jan. 31, 2018

Sep. 30, 2020

Mar. 31, 2020

Sep. 30, 2019

Mar. 31, 2019

Mar. 31, 2018

Sep. 30, 2020

Sep. 30, 2019

Dec. 31, 2019

Dec. 31, 2018

Jul. 25, 2018

Common Stock [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

42,168

18,906

Stock Options [Member]

Stock-based Compensation [Abstract]

Stock based compensation expense

$ 10

$ 29

$ 10

$ 29

$ 38

$ 39

Period of recognition for unrecognized compensation cost

5 months

1 year 1 month 24 days

2018 LTIP [Member]

Stock-based Compensation [Abstract]

Contractual term of option awards

10 years

10 years

Maximum number of shares that can be awarded (in shares)

1,293,109

Aggregate number of shares awarded to date under the plan (in shares)

629,267

629,267

458,932

Shares available for awards (in shares)

663,842

663,842

834,177

2018 LTIP [Member] | Restricted Stock [Member]

Stock-based Compensation [Abstract]

Unrecognized compensation cost

$ 299

Period of recognition for unrecognized compensation cost

14 months

2018 LTIP [Member] | Directors [Member] | Common Stock [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

30,930

42,168

18,906

Stock based compensation expense

$ 45

$ 52

$ 45

2018 LTIP [Member] | Officers and Employees [Member] | Restricted Stock [Member]

Stock-based Compensation [Abstract]

Number of shares awarded (in shares)

140,218

428,797

Number of shares forfeited (in shares)

0

12,033

Vesting period of stock award

2 years

2 years

2 years

Stock based compensation expense

$ 90

$ 251

$ 216

Unrecognized compensation cost

$ 251

$ 251

Period of recognition for unrecognized compensation cost

17 months

2 years

Stock-based Compensation, Sto_2

Stock-based Compensation, Stock Option Activity (Q3) (Details) - Stock Options [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding at beginning of period (in shares)			455,000	537,500	537,500	537,500
Granted during period (in shares)	0	0	0	0	0	0
Exercised during period (in shares)			0	0	0	0
Forfeited or expired during period (in shares)			(5,000)	(82,500)	(82,500)	0
Outstanding at end of period (in shares)	450,000	455,000	450,000	455,000	455,000	537,500
Exercisable at end of period (in shares)	360,000	275,000	360,000	275,000	275,000	267,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding at beginning of period (in dollars per share)			$ 1.67	$ 2.19	$ 2.19	$ 2.19
Granted during period (in dollars per share)			0	0	0	0
Exercised during period (in dollars per share)			0	0	0	0
Forfeited or expired during period (in dollars per share)			6	4.89	4.98	0
Outstanding at end of period (in dollars per share)	$ 1.62	$ 1.67	1.62	1.67	1.67	2.19
Exercisable at end of period (in dollars per share)	$ 1.62	$ 1.70	$ 1.62	$ 1.70	$ 1.70	$ 2.71
Share-based Compensation Arrangement by Share-based Payment Award, Additional General Disclosures [Abstract]
Stock based compensation expense	$ 10	$ 29	$ 10	$ 29	$ 38	$ 39
Unrecognized compensation cost	$ 16		$ 16		$ 46
Period of recognition for unrecognized compensation cost			5 months		1 year 1 month 24 days

Stock-based Compensation, Opt_2

Stock-based Compensation, Options Outstanding and Exercisable (Q3) (Details) - Stock Options [Member] - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Options, Outstanding [Abstract]
Number Outstanding (in shares)	450,000	455,000
Weighted Average Remaining Contractual Life	5 years 4 months 24 days	6 years 29 days
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.67
Aggregate Intrinsic Value	$ 22,000,000	$ 0
Options, Exercisable [Abstract]
Number Outstanding ( in shares)	360,000	275,000
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.70
Aggregate Intrinsic Value	$ 22,000,000	$ 0
Grant Date February 24, 2016 [Member]
Options, Outstanding [Abstract]
Number Outstanding (in shares)	450,000	450,000
Weighted Average Remaining Contractual Life	5 years 4 months 24 days	6 years 1 month 24 days
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.62
Options, Exercisable [Abstract]
Number Outstanding ( in shares)	360,000	270,000
Weighted Average Exercise Price (in dollars per share)	$ 1.62	$ 1.62

ESOP Plan (Q3) (Details)

ESOP Plan (Q3) (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	3 Months Ended		9 Months Ended		12 Months Ended
	Dec. 31, 2016	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
ESOP Plan [Abstract]
Number of common stock purchased by ESOP (in shares)	1,493,679
Purchase price of common stock (in dollars per share)	$ 1.59
Total cost of shares purchased by ESOP	$ 2,400
Loan to ESOP	$ 1,200
Term of ESOP loan	20 years					20 years
Compensation expense related to ESOP		$ 18	$ 18	$ 50	$ 47	$ 65	$ 80
Shares Held by ESOP [Abstract]
Allocated to participants (in shares)		1,065,275		1,065,275		1,024,429	1,036,809
Committed to be released (in shares)		0		0		10,416	10,580
Suspense shares (in shares)		572,627		572,627		603,876	646,033
Total ESOP shares (in shares)		1,637,902		1,637,902		1,638,721	1,693,422
Fair value of unearned shares		$ 962		$ 962		$ 930	$ 678
Unearned ESOP shares		$ 909		$ 909		$ 959	$ 1,027

Regulatory Matters (Q3) (Detail

Regulatory Matters (Q3) (Details) $ in Thousands	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2015
Actual [Abstract]
Tier 1 (Leverage), Amount	$ 47,779	$ 48,541	$ 49,433
Tier 1 (Leverage), Ratio	0.0984	0.1156	0.1203
Common Equity Tier 1, Amount	$ 47,779	$ 48,541	$ 49,433
Common Equity Tier 1, Ratio	0.1694	0.1714	0.1932
Tier 1, Amount	$ 47,779	$ 48,541	$ 49,433
Tier 1, Ratio	0.1694	0.1714	0.1932
Total Capital, Amount	$ 51,053	$ 51,790	$ 52,417
Total Capital, Ratio	0.1810	0.1829	0.2048
Minimum Capital Requirements [Abstract]
Tier 1 (Leverage), Amount	$ 19,429	$ 16,798	$ 16,439
Tier 1 (leverage), Ratio	0.0400	0.0400	0.0400
Common Equity Tier 1, Amount	$ 12,693	$ 12,743	$ 18,494
Common Equity Tier 1, Ratio	0.0450	0.0450	0.0450
Tier 1, Amount	$ 16,924	$ 16,990	$ 24,659
Tier 1, Ratio	0.0600	0.0600	0.0600
Total Capital, Amount	$ 22,565	$ 22,654	$ 32,879
Total Capital, Ratio	0.0800	0.0800	0.0800
Minimum Required To Be Well Capitalized Under Prompt Corrective Action Provisions [Abstract]
Tier 1 (Leverage), Amount	$ 24,286	$ 20,997	$ 20,549
Tier 1 (Leverage), Ratio	0.0500	0.0500	0.0500
Common Equity Tier 1, Amount	$ 18,334	$ 18,406	$ 16,634
Common Equity Tier 1, Ratio	0.0650	0.0650	0.0650
Tier 1, Amount	$ 22,565	$ 22,654	$ 20,472
Tier 1, Ratio	0.0800	0.0800	0.0800
Total Capital, Amount	$ 28,206	$ 28,318	$ 25,590
Total Capital, Ratio	0.1000	0.1000	0.1000
Conservation Buffer Rule Starting January 1, 2016 [Member]
Regulatory Matters [Abstract]
Capital conservation buffer percentage				0.625%
Conservation Buffer Rule Subsequent to 2016 [Member]
Regulatory Matters [Abstract]
Capital conservation buffer annual increase percentage				0.625%
Conservation Buffer Rule [Member]
Regulatory Matters [Abstract]
Capital conservation buffer percentage			2.50%

Income Taxes (Q3) (Details)

Income Taxes (Q3) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2018
Income Taxes [Abstract]
Statutory federal income tax rate			21.00%		21.00%
California income tax rate			10.84%
Income tax expense (benefit)	$ 95	$ (176)	$ (300)	$ (262)	$ (345)	$ 56
Merger related expenses	556
Income tax benefit adjustment			(273)
Low-income housing tax credits	29	$ 50	$ 87	$ 149
Cumulative losses lookback period			2 years
Valuation allowance	0		$ 0		$ 0	$ 0
Net deferred tax assets	$ 5,300		$ 5,300

Concentration of Credit Risk _2

Concentration of Credit Risk (Q3) (Details) - Deposits [Member] - Customer Concentration Risk [Member] - Customer	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Concentration Percentage [Abstract]
Number of significant customers	2
Two Customers [Member]
Concentration Percentage [Abstract]
Percentage of concentration risk	13.00%
Customer One [Member]
Concentration Percentage [Abstract]
Percentage of concentration risk	8.00%	10.00%
Customer One [Member] | Minimum [Member]
Concentration Percentage [Abstract]
Customer relationship period	15 years