Mid-Southern Bancorp (MSVB) 10-Q 13 Aug 19 2019 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2019	Aug. 07, 2019
Document And Entity Information [Abstract]
Entity Registrant Name	Mid-Southern Bancorp, Inc.
Entity Central Index Key	0001734875
Trading Symbol	msvb
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		3,565,196
Document Type	10-Q
Document Period End Date	Jun. 30, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q2
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 909	$ 884
Interest-bearing deposits with banks	21,239	11,816
Cash and cash equivalents	22,148	12,700
Securities available for sale, at fair value	51,071	53,140
Securities held to maturity	67	100
Loans, net	126,606	126,293
Federal Home Loan Bank stock, at cost	778	778
Real estate held for sale	239	239
Premises and equipment	1,881	1,928
Accrued interest receivable:
Loans	423	435
Securities	390	396
Cash value of life insurance	3,756	3,718
Other assets	320	935
Total Assets	207,679	200,662
Deposits:
Noninterest-bearing	16,441	18,334
Interest-bearing	129,839	132,774
Total deposits	146,280	151,108
Advances from Federal Home Loan Bank	10,000
Accrued expenses and other liabilities	593	711
Total Liabilities	156,873	151,819
STOCKHOLDERS' EQUITY
Preferred stock, 1,000,000 shares authorized, $0.01 par value, no shares issued and outstanding
Common stock, 30,000,000 shares authorized, $0.01 par value, 3,565,430 shares issued and 3,565,196 shares outstanding	36	36
Additional paid-in capital	30,315	30,302
Retained earnings, substantially restricted	21,197	20,672
Accumulated other comprehensive loss gain (loss)	1,207	(166)
Unearned ESOP shares	(1,945)	(1,997)
Unearned stock compensation plan	(1)	(1)
Treasury stock, at cost - 234 shares	(3)	(3)
Total Stockholders' Equity	50,806	48,843
Total Liabilities and Stockholders' Equity	$ 207,679	$ 200,662

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Jun. 30, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, shares authorized	30,000,000	30,000,000
Common stock, no par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares issued	3,565,430	3,565,430
Common stock, shares outstanding	3,565,196	3,565,196
Treasury stock, shares	234	234

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
INTEREST INCOME
Loans, including fees		$ 1,541	$ 1,418	$ 3,083	$ 2,762
Investment securities:
Mortgage-backed securities		139	103	288	209
Municipal tax exempt		164	102	329	204
Other debt securities		69	69	138	140
Federal Home Loan Bank dividends		10	8	23	21
Interest-bearing deposits with banks and time deposits		43	59	90	80
Total interest income		1,966	1,759	3,951	3,416
INTEREST EXPENSE
Deposits		205	176	391	341
Borrowings			6		15
Total interest expense		205	182	391	356
Net interest income		1,761	1,577	3,560	3,060
Provision for loan losses		0	0	0	0
Net interest income after provision for loan losses		1,761	1,577	3,560	3,060
NONINTEREST INCOME
Net gain on sales of securities available for sale		7		7
Increase in cash value of life insurance		18	18	36	36
Other income		9	11	19	23
Total noninterest income		223	205	416	414
NONINTEREST EXPENSE
Compensation and benefits		816	756	1,574	1,436
Occupancy and equipment		98	112	199	231
Data processing		301	198	597	378
Professional fees		172	112	321	219
Net loss on foreclosed real estate			16
Directors' fees		48	44	92	89
Supervisory examinations		16	18	35	36
Deposit insurance premiums		12	12	25	26
Other expenses		184	156	366	303
Total noninterest expense		1,647	1,424	3,209	2,718
Income before income taxes		337	358	767	756
Income tax expense		40	62	108	139
Net Income		$ 297	$ 296	$ 659	$ 617
Earnings per common share:
Basic (in dollars per share)	[1]	$ 0.09	$ 0.09	$ 0.20	$ 0.18
Diluted (in dollars per share)	[1]	$ 0.09	$ 0.09	$ 0.20	$ 0.18
Deposit account service charges
NONINTEREST INCOME
Fees and commission		$ 91	$ 87	$ 167	$ 182
ATM and debit card fee income
NONINTEREST INCOME
Fees and commission		$ 98	$ 89	$ 187	$ 173
[1]	Per share amounts for 2018 have been restated to give retroactive recognition to the exchange ratio applied in the second-step mutual to stock conversion ("Conversion") (2.3462 to one). See Note 2 to the consolidated financial statements.

CONSOLIDATED STATEMENTS OF IN_2

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (Parentheticals)	6 Months Ended
	Jun. 30, 2019
Income Statement [Abstract]
Description of exchange ratio conversion	2.3462 to one

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement of Comprehensive Income [Abstract]
Net Income	$ 297	$ 296	$ 659	$ 617
Unrealized gains (losses) on securities available for sale:
Net unrealized holding gains (losses) arising during the period	1,247	(13)	1,833	(831)
Income tax (expense) benefit	(310)	3	(455)	207
Net of tax amount	937	(10)	1,378	(624)
Reclassification adjustment for realized gains included in net income during the period	7		7
Income tax expense	(2)		(2)
Net of tax amount	5		5
Other Comprehensive Income (Loss), net of tax	932	(10)	1,373	(624)
Total Comprehensive Income (Loss)	$ 1,229	$ 286	$ 2,032	$ (7)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss) Income	Unearned ESOP Shares	Unearned Stock Compensation	Treasury Stock	Total
Balances at Dec. 31, 2017	$ 1,472	$ 3,501	$ 19,326	$ (47)		$ (3)	$ (95)	$ 24,154
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			617					617
Other comprehensive income (loss)				(624)				(624)
Grant of common stock for stock compensation		2				2
Balances at Jun. 30, 2018	1,472	3,503	19,943	(671)		(5)	(95)	24,147
Balances at Dec. 31, 2018	36	30,302	20,672	(166)	$ (1,997)	(1)	(3)	48,843
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			659					659
Other comprehensive income (loss)				1,373				1,373
Cash dividends ($0.04 per share)			(134)					(134)
ESOP shares committed to be released		13			52			65
Balances at Jun. 30, 2019	$ 36	$ 30,315	$ 21,197	$ 1,207	$ (1,945)	$ (1)	$ (3)	$ 50,806

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 659	$ 617
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of premiums and accretion of discounts on securities, net	91	19
Depreciation expense	50	62
ESOP compensation expense	65
Deferred income taxes	6	(4)
Increase in cash value of life insurance	(36)	(36)
Net gain on sales of securities available for sale	(7)
Decrease (increase) in accrued interest receivable	18	(54)
Net change in other assets and liabilities	29	95
Net Cash Provided By Operating Activities	875	699
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available for sale	(400)
Principal collected on mortgage-backed securities available for sale	3,557	1,711
Proceeds from maturities of securities available for sale	385	1,000
Proceeds from sales of securities available for sale	278
Principal collected on mortgage-backed securities held to maturity	8	32
Proceeds from maturities of securities held to maturity	25
Net increase in loans receivable	(313)	(6,250)
Proceeds from the sale of foreclosed real estate		243
Purchase of premises and equipment	(3)	(9)
Investment in cash value of life insurance	(2)	(2)
Net Cash Provided By (Used In) Investing Activities	3,535	(3,275)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (decrease) increase in deposits	(4,828)	38,209
Net increase in borrowings from Federal Home Loan Bank	10,000
Cash dividends paid	(134)
Net Cash Provided By Financing Activities	5,038	38,209
Net Increase in Cash and Cash Equivalents	9,448	35,633
Cash and cash equivalents at beginning of period	12,700	7,464
Cash and Cash Equivalents at End of Period	22,148	43,097
Supplemental Disclosure of Cash Flow Information Cash payments for:
Interest	391	356
Net tax (refunds) payments	$ (43)	$ 31

Presentation of Interim Informa

Presentation of Interim Information	6 Months Ended
	Jun. 30, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Presentation of Interim Information	1. Presentation of Interim Information Mid-Southern Bancorp, Inc., (the “Company”) was incorporated in January 2018 and became the holding company for Mid-Southern Savings Bank, FSB (the “Bank”), on July 11, 2018, upon the completion of the Bank’s conversion from the mutual holding company ownership structure and the Company’s related public stock offering. Please see Note 2 – Conversion and Stock Issuance for more information. Accordingly, the reported results and financial information for periods ending prior to September 30, 2018 relate solely to the Bank and its wholly-owned subsidiary, Mid-Southern Investments, Inc. The accompanying unaudited consolidated financial statements and notes have been prepared pursuant to the rules and regulations of the U.S. Securities and Exchange Commission (“SEC”). Accordingly, they do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles (“GAAP”) for complete financial statements. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K filed with the SEC on March 22, 2019 (“2018 Form 10-K”). In the opinion of management, the unaudited consolidated financial statements include all adjustments considered necessary for a fair presentation of the unaudited interim consolidated financial statements in accordance with GAAP. All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited consolidated financial statements. Interim results are not necessarily indicative of results for a full year or any other period. The unaudited consolidated financial statements include the accounts of the Company and its subsidiary. All material intercompany balances and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform with the current period presentation. The reclassifications had no effect on net income or stockholders’ equity. In preparing the unaudited consolidated financial statements, we are required to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the allowance for loan losses, the valuation of foreclosed real estate and the underlying collateral of impaired loans, deferred tax assets, and the fair value of financial instruments.

Conversion and Stock Issuance

Conversion and Stock Issuance	6 Months Ended
	Jun. 30, 2019
Conversion And Stock Issuance [Abstract]
Conversion and Stock Issuance	2. The Company, an Indiana corporation, was organized by Mid-Southern, M.H.C. (“the MHC”) and the Bank in connection with the MHC's plan of conversion from mutual to stock form of ownership (the “Conversion”). Upon consummation of the Conversion, which occurred on July 11, 2018, the Company became the holding company for the Bank and now owns all of the issued and outstanding shares of the Bank’s common stock. In connection with the Conversion, the Company sold a total of 2,559,871 shares of common stock in an offering to certain depositors of the Bank and others, including 204,789 shares purchased by the Bank’s employee stock ownership plan (“ESOP”) funded by a loan from the Company (see Note 6). All shares were sold at a purchase price of $10.00 per share. Costs to complete the stock offering were deducted from the gross proceeds of the offering. Proceeds from the offering, net of $1.2 million in expenses, totaled $24.4 million. The Company used $2.0 million of the net proceeds to fund the ESOP and made a $10.2 million capital contribution to the Bank. In addition, concurrent with the offering, shares of Bank common stock owned by public stockholders were exchanged for 2.3462 shares of the Company’s common stock, with cash being paid in lieu of issuing any fractional shares. As a result of the offering, exchange and cash in lieu of fractional shares, the Company issued 3,565,430 shares. The Company has established a liquidation account in an amount equal to the MHC's ownership interest in the stockholders' equity of the Bank as reflected in the latest consolidated balance sheet contained in the final prospectus plus the value of the net assets of the MHC as reflected in the latest balance sheet of the MHC prior to the effective date of the conversion (excluding its ownership of Bank common stock). The liquidation account will be maintained for the benefit of eligible account holders who maintain deposit accounts with the Bank after conversion. The conversion has been accounted for as a change in corporate form with the historic basis of the Bank's assets, liabilities and equity unchanged as a result.

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Investment Securities	3. Investment securities have been classified in the consolidated balance sheets according to management’s intent. Debt securities held by the Company include mortgage-backed securities and other debt securities issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency, and mortgage-backed securities and collateralized mortgage obligations issued by the Federal National Mortgage Association (“FNMA”) and the Federal Home Loan Mortgage Corporation (“FHLMC”), which are government-sponsored enterprises. Mortgage-backed securities (“MBS”) represent participating interests in pools of long-term first mortgage loans originated and serviced by the issuers of the securities. Collateralized mortgage obligations (“CMO”) are complex mortgage-backed securities that restructure the cash flows and risks of the underlying mortgage collateral. The Company also holds debt securities issued by municipalities and political subdivisions of state and local governments. Investment securities at June 30, 2019 and December 31, 2018 are summarized as follows: Gross Gross (In thousands) Amortized Unrealized Unrealized Fair June 30, 2019: Cost Gains Losses Value Securities available for sale: Mortgage-backed securities: Agency MBS $ 8,650 $ 8 $ 41 $ 8,617 Agency CMO 12,482 274 21 12,735 21,132 282 62 21,352 Other debt securities: Municipal obligations 28,333 1,386 - 29,719 Total securities available for sale $ 49,465 $ 1,668 $ 62 $ 51,071 Securities held to maturity: Agency MBS $ 47 $ 1 $ - $ 48 Municipal obligations 20 - - 20 Total securities held to maturity $ 67 $ 1 $ - $ 68 December 31, 2018: Securities available for sale: Mortgage-backed securities: Agency MBS $ 9,140 $ - $ 269 $ 8,871 Agency CMO 15,569 114 124 15,559 24,709 114 393 24,430 Other debt securities: Municipal obligations 28,653 267 210 28,710 Total securities available for sale $ 53,362 $ 381 $ 603 $ 53,140 Securities held to maturity: Agency MBS $ 55 $ 1 $ - $ 56 Municipal obligations 45 - - 45 Total securities held to maturity $ 100 $ 1 $ - $ 101 The amortized cost and fair value of debt securities as of June 30, 2019, by contractual maturity, are shown below. Expected maturities of MBS and CMO may differ from contractual maturities because the mortgages underlying the obligations may be prepaid without penalty. Available for Sale Held to Maturity Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value Due in one year or less $ - $ - $ 20 $ 20 Due after one year through five years 850 906 - - Due after five years through ten years 6,816 7,061 - - Due after ten years 20,667 21,752 - - 28,333 29,719 20 20 MBS and CMO 21,132 21,352 47 48 $ 49,465 $ 51,071 $ 67 $ 68 Information pertaining to investment securities available for sale with gross unrealized losses at June 30, 2019, aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows. At June 30, 2019, the Company did not have any securities held to maturity with an unrealized loss. Number of Gross (Dollars in thousands) Investment Fair Unrealized June 30, 2019: Positions Value Losses Securities available for sale: Continuous loss position less than 12 months: Agency CMO 1 $ 1,731 $ 6 Continuous loss position more than 12 months: Agency MBS 8 6,186 41 Agency CMO 3 1,872 15 Total more than 12 months 11 8,058 56 Total securities available for sale 12 $ 9,789 $ 62 Information pertaining to investment securities available for sale with gross unrealized losses at December 31, 2018, aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows. At December 31, 2018, the Company did not have any securities held to maturity with an unrealized loss. Number of Gross (Dollars in thousands) Investment Fair Unrealized Positions Value Losses December 31, 2018: Securities available for sale: Continuous loss position less than 12 months: Municipal obligations 7 $ 3,258 $ 19 Continuous loss position more than 12 months: Agency MBS 11 8,871 269 Agency CMO 6 5,666 124 Municipal obligations 21 11,611 191 Total more than 12 months 38 26,148 584 Total securities available for sale 45 $ 29,406 $ 603 Management evaluates securities for other-than-temporary impairment at least quarterly, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recover in fair value. At June 30, 2019, the debt securities in the available for sale classification in a loss position had depreciated approximately 0.63% from the amortized cost basis. All of the debt securities in a loss position at June 30, 2019 were backed by residential first mortgage loans or were obligations issued by federal or local government-sponsored enterprises. These unrealized losses relate principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition for purposes of evaluating whether declines in value are other-than-temporary, management considers whether the securities are issued by the federal government, its agencies or sponsored enterprises or local governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As the Company has the ability to hold the debt securities until maturity, or for the foreseeable future if classified as available for sale, no declines are deemed to be other-than-temporary. While management does not anticipate any credit-related impairment losses at June 30, 2019, additional deterioration in market and economic conditions may have an adverse impact on credit quality in the future. During both the three and six month periods ended June 30, 2019, the Company realized a gross gain of $7,000 on the sale of an available for sale municipal security. There were no securities sales during the three and six month periods ended June 30, 2018.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans and Allowance for Loan Losses	4. Loans and Allowance for Loan Losses The Company’s loan and allowance for loan loss policies are as follows: Loans Held for Investment. Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of net deferred loan fees is discontinued when a loan is placed on nonaccrual status. Nonaccrual Loans. A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months. Allowance for Loan Losses. The Company uses a disciplined process and methodology to evaluate the allowance for loan losses on at least a quarterly basis that is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment or loans otherwise classified as doubtful or substandard. For such loans that are classified as impaired, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and classified loans that are found, upon individual evaluation, to not be impaired. Such loans are pooled by portfolio segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the Company’s actual loss history over the most recent twenty calendar quarters unless the historical loss experience is not considered indicative of the level of risk in the remaining balance of a particular portfolio segment, in which case an adjustment is determined by management. The Company’s historical loss experience is then adjusted for qualitative factors that are reviewed on a quarterly basis. Management’s determination of the allowance for loan losses considers changes and trends in the following qualitative loss factors: lending policies and procedures, including underwriting standards and collection, charge-off and recovery practices and management experience, national and local economic conditions, new loan trends, past due and nonaccrual loans, loan reviews, collateral values, credit concentrations and other internal and external factors such as competition, legal and regulatory changes. Each loan pool’s historical loss rate is adjusted based on positive or negative changes in the qualitative loss factor. This adjustment is what determines the adjust loss rate used in management’s allowance for loan loss adequacy calculation. Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary. The following portfolio segments are considered in the allowance for loan loss analysis: one-to-four family residential real estate, multi-family residential real estate, residential construction, commercial construction, commercial real estate non owner occupied, commercial real estate owner occupied, junior liens, home equity lines of credit, commercial business, and consumer loans. Residential real estate loans primarily consist of loans to individuals for the purchase or refinance of their primary residence, with a smaller portion of the segment secured by non-owner-occupied residential investment properties and multi-family residential investment properties. Also, included within the residential real estate loan portfolio are home equity loans and junior lien loans, which are secured by liens on the borrower’s personal residence. The risks associated with residential real estate loans are closely correlated to the local housing market and general economic conditions, as repayment of the loans is primarily dependent on the borrower's or tenant's personal cash flow and employment status. The Company’s construction loan portfolio consists of single-family residential properties, multi-family properties and commercial projects, and includes both owner-occupied and speculative investment properties. Risks inherent in construction lending are related to the market value of the property held as collateral, the cost and timing of constructing or improving a property, the borrower's ability to use funds generated by a project to service a loan until a project is completed, movements in interest rates and the real estate market during the construction phase, and the ability of the borrower to obtain permanent financing. Commercial real estate loans are comprised of loans secured by various types of collateral including farmland, office buildings, warehouses, retail space and mixed-use buildings located in the Company’s primary lending area. Risks related to commercial real estate lending are related to the market value of the property taken as collateral, the underlying cash flows and general economic condition of the local real estate market. Repayment of these loans is generally dependent on the ability of the borrower to attract tenants at lease rates or general business operating cash flows that provide for adequate debt service and can be impacted by local economic conditions which impact vacancy rates and the general level of business activity. The Company generally obtains loan guarantees from financially capable parties for commercial real estate loans. Commercial business loans include lines of credit to businesses, term loans and letters of credit secured by business assets such as equipment, accounts receivable, inventory, or other assets excluding real estate and are generally made to finance capital expenditures or fund operations. Commercial loans contain risks related to the value of the collateral securing the loan and the repayment is primarily dependent upon the financial success and viability of the borrower. As with commercial real estate loans, the Company generally obtains loan guarantees from financially capable parties for commercial business loans. Consumer loans consist primarily of home improvement loans, automobile and truck loans, boat loans, mobile home loans, loans secured by savings deposits, and other personal loans. The risks associated with these loans are related to the local housing market and local economic conditions including the unemployment level. Loan Charge-Offs. Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 60 days past due. A charge-off is typically recorded on a loan secured by real estate when the property is foreclosed upon when the carrying value of the loan exceeds the property’s fair value less the estimated costs to sell. Impaired Loans. Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, costs to complete unfinished or repair damaged property and other factors. New appraisals or valuations are generally obtained for all significant properties (if the value is estimated to exceed $100,000) when a loan is identified as impaired. Subsequent appraisals are obtained or an internal evaluation is prepared annually, or more frequently if management believes there has been a significant change in the market value of a collateral property securing a collateral dependent impaired loan. In instances where it is not deemed necessary to obtain a new appraisal, management bases its impairment evaluation on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and inspection of the property. At June 30, 2019, there were no loans secured by residential real estate property for which formal foreclosure proceedings are in process. At December 31, 2018, the recorded investment in loans secured by residential real estate property for which formal foreclosure proceedings were in process was $170,000. Loans at June 30, 2019 and December 31, 2018 consisted of the following: June 30, December 31, (In thousands) 2019 2018 Real estate mortgage loans: One-to-four family residential $ 78,674 $ 80,322 Multi-family residential 9,482 7,054 Residential construction 66 - Commercial real estate 28,153 27,153 Commercial real estate construction 3,076 5,100 Commercial business loans 6,548 5,939 Consumer loans 2,064 2,199 Total loans 128,063 127,767 Deferred loan origination fees and costs, net 31 30 Allowance for loan losses (1,488 ) (1,504 ) Loans, net $ 126,606 $ 126,293 The following table provides the components of the Company’s recorded investment in loans at June 30, 2019: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Recorded Investment in Loans Principal loan balance $ 78,674 $ 9,482 $ 3,142 $ 28,153 $ 6,548 $ 2,064 $ 128,063 Accrued interest receivable 274 19 6 94 23 7 423 Net deferred loan fees/costs 21 (11 ) (31 ) (6 ) 11 47 31 Recorded investment in loans $ 78,969 $ 9,490 $ 3,117 $ 28,241 $ 6,582 $ 2,118 $ 128,517 Recorded Investment in Loans as Evaluated for Impairment Individually evaluated for impairment $ 2,467 $ - $ - $ 765 $ 440 $ - $ 3,672 Collectively evaluated for impairment 76,502 9,490 3,117 27,476 6,142 2,118 124,845 Ending Balance $ 78,969 $ 9,490 $ 3,117 $ 28,241 $ 6,582 $ 2,118 $ 128,517 The following table provides the components of the Company’s recorded investment in loans at December 31, 2018: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Recorded Investment in Loans Principal loan balance $ 80,322 $ 7,054 $ 5,100 $ 27,153 $ 5,939 $ 2,199 $ 127,767 Accrued interest receivable 293 16 8 90 23 5 435 Net deferred loan fees/costs 16 (9 ) (31 ) (3 ) 10 47 30 Recorded investment in loans $ 80,631 $ 7,061 $ 5,077 $ 27,240 $ 5,972 $ 2,251 $ 128,232 Recorded Investment in Loans as Evaluated for Impairment: Individually evaluated for impairment $ 2,623 $ - $ - $ 868 $ 470 $ - $ 3,961 Collectively evaluated for impairment 78,008 7,061 5,077 26,372 5,502 2,251 124,271 Ending Balance $ 80,631 $ 7,061 $ 5,077 $ 27,240 $ 5,972 $ 2,251 $ 128,232 An analysis of the allowance for loan losses as of June 30, 2019 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Ending allowance balance attributable to loans: Individually evaluated for impairment $ 26 $ - $ - $ 20 $ 38 $ - $ 84 Collectively evaluated for impairment 926 86 30 276 60 26 1,404 Ending balance $ 952 $ 86 $ 30 $ 296 $ 98 $ 26 $ 1,488 An analysis of the allowance for loan losses as of December 31, 2018 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Ending allowance balance attributable to loans: Individually evaluated for impairment $ 34 $ - $ - $ 22 $ 44 $ - $ 100 Collectively evaluated for impairment 978 59 48 237 54 28 1,404 Ending balance $ 1,012 $ 59 $ 48 $ 259 $ 98 $ 28 $ 1,504 An analysis of the changes in the allowance for loan losses for the three months ended June 30, 2019 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 992 $ 75 $ 38 $ 283 $ 103 $ 23 $ 1,514 Provisions (12 ) 11 (8 ) 13 (5 ) 1 - Charge-offs (32 ) - - - - (1 ) (33 ) Recoveries 4 - - - - 3 7 Ending balance $ 952 $ 86 $ 30 $ 296 $ 98 $ 26 $ 1,488 An analysis of the changes in the allowance for loan losses for the six months ended June 30, 2019 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 1,012 $ 59 $ 48 $ 259 $ 98 $ 28 $ 1,504 Provisions (42 ) 27 (18 ) 37 - (4 ) - Charge-offs (32 ) - - - - (6 ) (38 ) Recoveries 14 - - - - 8 22 Ending balance $ 952 $ 86 $ 30 $ 296 $ 98 $ 26 $ 1,488 An analysis of the changes in the allowance for loan losses for the three months ended June 30, 2018 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 1,045 $ 191 $ 27 $ 263 $ 103 $ 33 $ 1,662 Provisions (13 ) 12 40 (26 ) (12 ) (1 ) - Charge-offs (29 ) - - - - (5 ) (34 ) Recoveries 82 - - - - 5 87 Ending balance $ 1,085 $ 203 $ 67 $ 237 $ 91 $ 32 $ 1,715 An analysis of the changes in the allowance for loan losses for the six months ended June 30, 2018 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 1,070 $ 220 $ 20 $ 269 $ 111 $ 33 $ 1,723 Provisions 23 (17 ) 47 (33 ) (20 ) - - Charge-offs (100 ) - - - - (9 ) (109 ) Recoveries 92 - - 1 - 8 101 Ending balance $ 1,085 $ 203 $ 67 $ 237 $ 91 $ 32 $ 1,715 The following table summarizes the Company’s impaired loans as of June 30, 2019 and for the three and six month periods ended June 30, 2019. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for both the three and six month periods ended June 30, 2019: At June 30, 2019 Three Months Ended June 30, 2019 Six Months Ended June 30, 2019 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income Investment Balance Allowance Investment Recognized Investment Recognized (In thousands) (In thousands) Loans with no related allowance recorded: One-to-four family residential $ 1,452 $ 1,773 $ - $ 1,545 $ 8 $ 1,434 $ 16 Multi-family residential - - - - - - - Construction - - - - - - - Commercial real estate 355 359 - 365 1 375 2 Commercial business 40 40 - 43 1 45 1 Consumer - - - - - - - $ 1,847 $ 2,172 $ - $ 1,953 $ 10 $ 1,854 $ 19 Loans with an allowance recorded: One-to-four family residential $ 262 $ 312 $ 26 $ 263 $ 2 $ 390 $ 5 Multi-family residential - - - - - - - Construction - - - - - - - Commercial real estate 299 297 20 325 4 335 9 Commercial business 400 450 38 405 6 410 12 Consumer - - - - - - - $ 961 $ 1,059 $ 84 $ 993 $ 12 $ 1,135 $ 26 Total: One-to-four family residential $ 1,714 $ 2,085 $ 26 $ 1,808 $ 10 $ 1,824 $ 21 Multi-family residential - - - - - - - Construction - - - - - - - Commercial real estate 654 656 20 690 5 710 11 Commercial business 440 490 38 448 7 455 13 Consumer - - - - - - - $ 2,808 $ 3,231 $ 84 $ 2,946 $ 22 $ 2,989 $ 45 The following table summarizes the Company’s impaired loans for the three and six month periods ended June 30, 2018. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for both the three and six month periods ended June 30, 2018: Three Months Ended June 30, 2018 Six Months Ended June 30, 2018 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized (In thousands) Loans with no related allowance recorded: One-to-four family residential $ 1,580 $ 2 $ 1,551 $ 5 Multi-family residential - - - - Construction - - - - Commercial real estate 561 1 602 5 Commercial business 37 1 28 1 Consumer - - - - $ 2,178 $ 4 $ 2,181 $ 11 Loans with an allowance recorded: One-to-four family residential $ 718 $ 9 $ 718 $ 16 Multi-family residential - - - - Construction - - - - Commercial real estate 380 5 365 11 Commercial business 473 7 487 14 Consumer - - - - $ 1,571 $ 21 $ 1,570 $ 41 Total: One-to-four family residential $ 2,298 $ 11 $ 2,269 $ 21 Multi-family residential - - - - Construction - - - - Commercial real estate 941 6 967 16 Commercial business 510 8 515 15 Consumer - - - - $ 3,749 $ 25 $ 3,751 $ 52 The following table summarizes the Company’s impaired loans as of December 31, 2018: Unpaid Recorded Principal Related Investment Balance Allowance (In thousands) Loans with no related allowance recorded: One-to-four family residential $ 1,212 $ 1,614 $ - Multi-family residential - - - Construction - - - Commercial real estate 394 398 - Commercial business 50 49 - Consumer - - - $ 1,656 $ 2,061 $ - Loans with an allowance recorded: One-to-four family residential $ 645 $ 691 $ 34 Multi-family residential - - - Construction - - - Commercial real estate 357 356 22 Commercial business 420 474 44 Consumer - - - $ 1,422 $ 1,521 $ 100 Total: One-to-four family residential $ 1,857 $ 2,305 $ 34 Multi-family residential - - - Construction - - - Commercial real estate 751 754 22 Commercial business 470 523 44 Consumer - - - $ 3,078 $ 3,582 $ 100 Nonperforming loans consists of nonaccrual loans and loans over 90 days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at June 30, 2019 and December 31, 2018: At June 30, 2019 At December 31, 2018 Loans 90+ Loans 90+ Days Total Days Total Nonaccrual Past Due Nonperforming Nonaccrual Past Due Nonperforming Loans Still Accruing Loans Loans Still Accruing Loans (In thousands) One-to-four family residential $ 833 $ - $ 833 $ 978 $ - $ 978 Multi-family residential - - - - - - Construction - - - - - - Commercial real estate 276 - 276 313 - 313 Commercial business - - - 4 - 4 Consumer - - - - - - Total $ 1,109 $ - $ 1,109 $ 1,295 $ - $ 1,295 The following tables present the aging of the recorded investment in loans at June 30, 2019 and December 31, 2018: Over 90 30-59 Days 60-89 Days Days Total Total Past Due Past Due Past Due Past Due Current Loans June 30, 2019 (In thousands) One-to-four family residential $ 1,494 $ 541 $ 56 $ 2,091 $ 76,878 $ 78,969 Multi-family residential - - - - 9,490 9,490 Construction - - - - 3,117 3,117 Commercial real estate 261 - - 261 27,980 28,241 Commercial business - - - - 6,582 6,582 Consumer 8 2 - 10 2,108 2,118 Total $ 1,763 $ 543 $ 56 $ 2,362 $ 126,155 $ 128,517 December 31, 2018: One-to-four family residential $ 1,912 $ 853 $ 205 $ 2,970 $ 77,661 $ 80,631 Multi-family residential - - - - 7,061 7,061 Construction - - - - 5,077 5,077 Commercial real estate 232 98 - 330 26,910 27,240 Commercial business - - - - 5,972 5,972 Consumer - - - - 2,251 2,251 Total $ 2,144 $ 951 $ 205 $ 3,300 $ 124,932 $ 128,232 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, public information, historical payment experience, credit documentation, and current economic trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings: 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. The following table presents the recorded investment in loans by risk category as of the dates indicated: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total June 30, 2019 (In thousands) Pass $ 77,802 $ 9,490 $ 3,117 $ 27,630 $ 6,142 $ 2,118 $ 126,299 Special mention - - - - - - - Substandard 1,167 - - 611 440 - 2,218 Doubtful - - - - - - - Loss - - - - - - - Total $ 78,969 $ 9,490 $ 3,117 $ 28,241 $ 6,582 $ 2,118 $ 128,517 December 31, 2018: Pass $ 78,487 $ 7,061 $ 5,077 $ 26,578 $ 5,502 $ 2,251 $ 124,956 Special mention - - - - - - - Substandard 2,144 - - 662 470 - 3,276 Doubtful - - - - - - - Loss - - - - - - - Total $ 80,631 $ 7,061 $ 5,077 $ 27,240 $ 5,972 $ 2,251 $ 128,232 Modification of a loan is considered to be a troubled debt restructuring ("TDR") if the debtor is experiencing financial difficulties and the Company grants a concession to the debtor that it would not otherwise consider. By granting the concession, the Company expects to obtain more cash or other value from the debtor, or to increase the probability of receipt, than would be expected by not granting the concession. The concession may include, but is not limited to, reduction of the stated interest rate of the loan, reduction of accrued interest, extension of the maturity date or reduction of the face amount of the debt. A concession will be granted when, as a result of the restructuring, the Company does not expect to collect all amounts due, including interest at the original stated rate. A concession may also be granted if the debtor is not able to access funds elsewhere at a market rate for debt with similar risk characteristics as the restructured debt. The Company’s determination of whether a loan modification is a TDR considers the individual facts and circumstances surrounding each modification. A TDR can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accrual status, depending on the individual facts and circumstances of the restructuring. A TDR on nonaccrual status is restored to accrual status when the borrower has demonstrated the ability to make future payments in accordance with the restructured terms, including consistent and timely payments for at least six consecutive months in accordance with the restructured terms. The following table summarizes the Company’s TDRs by accrual status as of June 30, 2019 and December 31, 2018: June 30, 2019 December 31, 2018 Related Related Allowance for Allowance for Accruing Nonaccrual Total Loan Losses Accruing Nonaccrual Total Loan Losses (In thousands) One-to-four family residential $ 882 $ - $ 882 $ 26 $ 879 $ - $ 879 $ 34 Commercial real estate 377 144 521 20 439 155 594 22 Commercial business 440 - 440 38 467 4 471 44 Total $ 1,699 $ 144 $ 1,843 $ 84 $ 1,785 $ 159 $ 1,944 $ 100 At both June 30, 2019 and December 31, 2018 there were no commitments to lend additional funds to debtors whose loan terms have been modified in a TDR (both accruing and nonaccruing). The following table summarizes information in regard to TDRs that were restructured during the six months ended June 30, 2019: Six Months Ended June 30, 2019 Pre-Modification Post-Modification Number of Outstanding Outstanding Contracts Balance Balance (Dollars in thousands) Commercial real estate 1 $ 158 $ 158 Total 1 $ 158 $ 158 There were no TDRs that were restructured during the three months ended June 30, 2019. The following table summarizes information in regard to TDRs that were restructured during the three and six month periods ended June 30, 2018: Three Months Ended June 30, 2018 Six Months Ended June 30, 2018 Pre-Modification Post-Modification Pre-Modification Post-Modification Number of Outstanding Outstanding Number of Outstanding Outstanding Contracts Balance Balance Contracts Balance Balance (Dollars in thousands) (Dollars in thousands) One-to-Four Family Residential 1 $ 10 $ 10 2 $ 54 $ 82 Total 1 $ 10 $ 10 2 $ 54 $ 82 For TDRs that were restructured during the six months ended June 30, 2019 and 2018, the terms of modifications included a reduction of the stated interest rate, extension of the maturity date, and the renewal or refinancing of loans where the debtor was unable to access funds elsewhere at a market interest rate for debt with similar risk characteristics. There were no principal charge-offs recorded as a result of TDRs and there was no specific allowance for loan losses related to TDRs modified during both the three and six month periods ended June 30, 2019 and 2018. There were no TDRs modified within the previous 12 months for which there was a subsequent payment default (defined as the loan becoming more than 90 days past due, being moved to nonaccrual status, or the collateral being foreclosed upon) during the three and six month periods ended June 30, 2019 and 2018. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan.

Supplemental Disclosure for Ear

Supplemental Disclosure for Earnings Per Share	6 Months Ended
	Jun. 30, 2019
Earnings Per Share [Abstract]
Supplemental Disclosure for Earnings Per Share	5. Supplemental Disclosure for Earnings Per Share Nonvested restricted stock shares and unallocated ESOP shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. No stock options for common stock and no restricted stock awards were excluded from the calculation of diluted net income per common share because their effect was antidilutive for the three and six month periods ended June 30, 2019 and 2018. Share amounts for 2018 have been restated to give retroactive recognition to the exchange ratio applied in the Conversion (2.3462 to one). Three Months Ended Six months Ended June 30, June 30, June 30, June 30, (Dollars in thousands, except per share data) 2019 2018 2019 2018 Basic Earnings: Net income $ 297 $ 296 $ 659 $ 617 Shares: Weighted average common shares outstanding 3,368,990 3,452,242 3,367,693 3,452,222 Net income per common share, basic $ 0.09 $ 0.09 $ 0.20 $ 0.18 Diluted Earnings: Net income $ 297 $ 296 $ 659 $ 617 Shares: Weighted average common shares outstanding 3,368,990 3,452,242 3,367,693 3,452,222 Add: Dilutive effect of stock options 1,337 1,354 1,333 1,288 Add: Dilutive effect of restricted stock 118 289 132 174 Weighted average common shares outstanding, as adjusted 3,370,445 3,453,885 3,369,158 3,453,684 Net income per common share, diluted $ 0.09 $ 0.09 $ 0.20 $ 0.18

Employee Stock Ownership Plan

Employee Stock Ownership Plan	6 Months Ended
	Jun. 30, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Stock Ownership Plan	6. Employee Stock Ownership Plan In connection with the Conversion, the Bank established a leveraged ESOP for eligible employees of the Company and the Bank. The ESOP trust purchased 204,789 shares of Company common stock at the initial public offering price of $10.00 per share financed by a 20-year term loan with the Company. The loan is secured by shares purchased with the loan proceeds and will be repaid by the ESOP with funds from the Company's discretionary contributions to the ESOP and earnings on ESOP assets. The employer loan and the related interest income are not recognized in the consolidated financial statements as the debt is serviced by employer contributions. Dividends payable on allocated shares are charged to retained earnings and are satisfied by the allocation of cash dividends to participant accounts. Dividends payable on unallocated shares are not considered dividends for financial reporting purposes. Shares held by the ESOP trust are held in a suspense account and allocated to participant accounts as principal and interest payments are made by the ESOP to the Company. Payments of principal and interest are due annually on December 31st, the Company's fiscal year end. As shares are committed to be released for allocation to participant accounts from collateral, the Company reports compensation expense equal to the average fair value of shares committed to be released during the year with a corresponding credit to stockholders’ equity and the shares become outstanding for earnings per share computations. The compensation expense is accrued throughout the year. Compensation expense recognized for the three and six month periods ended June 30, 2019 was $32,000 and $65,000, respectively. The ESOP trust held 5,147 allocated shares and 199,642 unallocated shares of Company common stock at June 30, 2019. The fair value of the unallocated shares was $2.5 million at June 30, 2019.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2019
Fair Value Disclosures [Abstract]
Fair Value Measurements	7. Fair Value Measurements FASB Accounting Standards Codification (“ASC”) Topic 820 , Fair Value Measurements, Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means. Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth on the following page. These valuation methodologies were applied to all of the Company’s financial and nonfinancial assets carried at fair value or the lower of cost or fair value. The table below presents the balances of assets measured at fair value on a recurring and nonrecurring basis as of June 30, 2019 and December 31, 2018. The Company had no liabilities measured at fair value as of June 30, 2019 or December 31, 2018. Carrying Value Level 1 Level 2 Level 3 Total (In thousands) June 30, 2019 Assets Measured on a Recurring Basis Securities available for sale: Agency MBS $ - $ 8,617 $ - $ 8,617 Agency CMO - 12,735 - 12,735 Municipal obligations - 29,719 - 29,719 Total securities available for sale $ - $ 51,071 $ - $ 51,071 Assets Measured on a Nonrecurring Basis Impaired loans: One-to-four family residential $ - $ - $ 1,688 $ 1,688 Commercial real estate - - 634 634 Commercial business - - 402 402 Total impaired loans $ - $ - $ 2,724 $ 2,724 Real estate held for sale $ - $ - $ 239 $ 239 December 31, 2018: Assets Measured on a Recurring Basis Securities available for sale: Agency MBS $ - $ 8,871 $ - $ 8,871 Agency CMO - 15,559 - 15,559 Municipal obligations - 28,710 - 28,710 Total securities available for sale $ - $ 53,140 $ - $ 53,140 Assets Measured on a Nonrecurring Basis Impaired loans: One-to-four family residential $ - $ - $ 1,823 $ 1,823 Commercial real estate - - 729 729 Commercial business - - 426 426 Total impaired loans $ - $ - $ 2,978 $ 2,978 Real estate held for sale $ - $ - $ 239 $ 239 Fair value is based upon quoted market prices, where available. If quoted market prices are not available, fair value is based on internally developed models or obtained from third parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association’s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value, or the lower of cost or fair value. These adjustments may include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Securities Available for Sale. Impaired Loans . Impaired loans are carried at the present value of estimated future cash flows using the loan's effective interest rate or the fair value of collateral less estimated costs to sell if the loan is collateral dependent. At June 30, 2019 and December 31, 2018, all impaired loans were considered to be collateral dependent for the purpose of determining fair value. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable. The fair value of the collateral is generally determined based on real estate appraisals or other independent evaluations by qualified professionals, adjusted for estimated costs to sell the property, costs to complete or repair the property and other factors to reflect management’s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. At June 30, 2019 and December 31, 2018, the significant unobservable inputs used in the fair value measurement of collateral dependent impaired loans included a discount from appraised value (including estimated costs to sell the collateral) of 10%. The Company recognized a reduction in the allowance for loan losses allocated to impaired loans of $2,000 and $10,000 for the three months ended June 30, 2019 and 2018, respectively. The Company recognized a reduction in the allowance for loan losses allocated to impaired loans of $16,000 and $40,000 for the six months ended June 30, 2019 and 2018, respectively. Real Estate Held for Sale . At June 30, 2019 and December 31, 2018, the significant unobservable inputs used in the fair value measurement of real estate held for sale included a discount from appraised value (including estimated costs to sell the property) of 10%. The Company did not recognize any charges to write down real estate held for sale during the three and six month periods ended June 30, 2019 and 2018. There have been no changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the six months ended June 30, 2019 and 2018. There were no transfers into or out of the Company’s Level 3 financial assets for both the three and six month periods ended June 30, 2019 and 2018. GAAP requires disclosure of the fair value of financial assets and financial liabilities, whether or not recognized in the balance sheet. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The estimated fair values of the Company’s financial instruments are as follows: Fair Value Measurements Using Carrying (In thousands) Value Level 1 Level 2 Level 3 June 30, 2019 Financial assets: Cash and cash equivalents $ 22,148 $ 22,148 $ - $ - Securities available for sale 51,071 - 51,071 - Securities held to maturity 67 - 68 - Loans, net 126,606 - - 129,081 FHLB stock 778 N/A N/A N/A Accrued interest receivable 813 - 813 - Financial liabilities: Deposits 146,280 - - 146,002 FHLB advances 10,000 - 10,000 - December 31, 2018: Financial assets: Cash and cash equivalents $ 12,700 $ 12,700 $ - $ - Securities available for sale 53,140 - 53,140 - Securities held to maturity 100 - 100 - Loans, net 126,293 - - 125,908 FHLB stock 778 N/A N/A N/A Accrued interest receivable 831 - 831 - Financial liabilities: Deposits 151,108 - - 150,020

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Jun. 30, 2019
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
Recent Accounting Pronouncements	8. Recent Accounting Pronouncements As an “emerging growth company,” as defined in Title 1 of Jumpstart Our Business Startups (“JOBS”) Act, the Company has elected to use the extended transition period to delay adoption of new or reissued accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. Accordingly, the consolidated financial statements may not be comparable to the financial statements of public companies that comply with such new or revised accounting standards. As of June 30, 2019, the Company does not believe there is a significant difference in the comparability of the financial statements as a result of this extended transition period, however, the Company’s assessment of its revenue recognition policies under the Financial Accounting Standards Board (“FASB”) Topic 606 is not yet complete. The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company: In May 2014, the FASB issued Accounting Standards Update (“ASU”) No. 2014-09, Revenue from Contracts with Customers (Topic 606). In February 2016, FASB issued ASU No. 2016-02, Leases (Topic 842) Leases (Topic 842), Targeted Improvements. Leases (Topic 842), Codification Improvements. Leases Topic 842) Fair Value Measurements and Disclosures (Topic 820). The FASB originally issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Receipts and Cash Payments In March 2017, the FASB issued ASU No. 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting In August 2018, the FASB issued ASU No. 2018-13, Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement

Accounting Policies (Policies)

Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2019
Accounting Policies [Abstract]
Presentation of Interim Information	Presentation of Interim Information Mid-Southern Bancorp, Inc., (the “Company”) was incorporated in January 2018 and became the holding company for Mid-Southern Savings Bank, FSB (the “Bank”), on July 11, 2018, upon the completion of the Bank’s conversion from the mutual holding company ownership structure and the Company’s related public stock offering. Please see Note 2 – Conversion and Stock Issuance for more information. Accordingly, the reported results and financial information for periods ending prior to September 30, 2018 relate solely to the Bank and its wholly-owned subsidiary, Mid-Southern Investments, Inc. The accompanying unaudited consolidated financial statements and notes have been prepared pursuant to the rules and regulations of the U.S. Securities and Exchange Commission (“SEC”). Accordingly, they do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles (“GAAP”) for complete financial statements. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K filed with the SEC on March 22, 2019 (“2018 Form 10-K”). In the opinion of management, the unaudited consolidated financial statements include all adjustments considered necessary for a fair presentation of the unaudited interim consolidated financial statements in accordance with GAAP. All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited consolidated financial statements. Interim results are not necessarily indicative of results for a full year or any other period. The unaudited consolidated financial statements include the accounts of the Company and its subsidiary. All material intercompany balances and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform with the current period presentation. The reclassifications had no effect on net income or stockholders’ equity. In preparing the unaudited consolidated financial statements, we are required to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the allowance for loan losses, the valuation of foreclosed real estate and the underlying collateral of impaired loans, deferred tax assets, and the fair value of financial instruments.
Recent Accounting Pronouncements	Recent Accounting Pronouncements As an “emerging growth company,” as defined in Title 1 of Jumpstart Our Business Startups (“JOBS”) Act, the Company has elected to use the extended transition period to delay adoption of new or reissued accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. Accordingly, the consolidated financial statements may not be comparable to the financial statements of public companies that comply with such new or revised accounting standards. As of June 30, 2019, the Company does not believe there is a significant difference in the comparability of the financial statements as a result of this extended transition period, however, the Company’s assessment of its revenue recognition policies under the Financial Accounting Standards Board (“FASB”) Topic 606 is not yet complete. The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company: In May 2014, the FASB issued Accounting Standards Update (“ASU”) No. 2014-09, Revenue from Contracts with Customers (Topic 606). In February 2016, FASB issued ASU No. 2016-02, Leases (Topic 842) Leases (Topic 842), Targeted Improvements. Leases (Topic 842), Codification Improvements. Leases Topic 842) Fair Value Measurements and Disclosures (Topic 820). The FASB originally issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Receipts and Cash Payments In March 2017, the FASB issued ASU No. 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting In August 2018, the FASB issued ASU No. 2018-13, Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of fair values of debt securities available-for-sale or held-to-maturity	Gross Gross (In thousands) Amortized Unrealized Unrealized Fair June 30, 2019: Cost Gains Losses Value Securities available for sale: Mortgage-backed securities: Agency MBS $ 8,650 $ 8 $ 41 $ 8,617 Agency CMO 12,482 274 21 12,735 21,132 282 62 21,352 Other debt securities: Municipal obligations 28,333 1,386 - 29,719 Total securities available for sale $ 49,465 $ 1,668 $ 62 $ 51,071 Securities held to maturity: Agency MBS $ 47 $ 1 $ - $ 48 Municipal obligations 20 - - 20 Total securities held to maturity $ 67 $ 1 $ - $ 68 December 31, 2018: Securities available for sale: Mortgage-backed securities: Agency MBS $ 9,140 $ - $ 269 $ 8,871 Agency CMO 15,569 114 124 15,559 24,709 114 393 24,430 Other debt securities: Municipal obligations 28,653 267 210 28,710 Total securities available for sale $ 53,362 $ 381 $ 603 $ 53,140 Securities held to maturity: Agency MBS $ 55 $ 1 $ - $ 56 Municipal obligations 45 - - 45 Total securities held to maturity $ 100 $ 1 $ - $ 101
Schedule of maturities of debt securities	Available for Sale Held to Maturity Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value Due in one year or less $ - $ - $ 20 $ 20 Due after one year through five years 850 906 - - Due after five years through ten years 6,816 7,061 - - Due after ten years 20,667 21,752 - - 28,333 29,719 20 20 MBS and CMO 21,132 21,352 47 48 $ 49,465 $ 51,071 $ 67 $ 68
Schedule of fair value and related unrealized losses of temporarily impaired investment securities, aggregated by investment category	Number of Gross (Dollars in thousands) Investment Fair Unrealized June 30, 2019: Positions Value Losses Securities available for sale: Continuous loss position less than 12 months: Agency CMO 1 $ 1,731 $ 6 Continuous loss position more than 12 months: Agency MBS 8 6,186 41 Agency CMO 3 1,872 15 Total more than 12 months 11 8,058 56 Total securities available for sale 12 $ 9,789 $ 62 Number of Gross (Dollars in thousands) Investment Fair Unrealized Positions Value Losses December 31, 2018: Securities available for sale: Continuous loss position less than 12 months: Municipal obligations 7 $ 3,258 $ 19 Continuous loss position more than 12 months: Agency MBS 11 8,871 269 Agency CMO 6 5,666 124 Municipal obligations 21 11,611 191 Total more than 12 months 38 26,148 584 Total securities available for sale 45 $ 29,406 $ 603

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Schedule of loans	June 30, December 31, (In thousands) 2019 2018 Real estate mortgage loans: One-to-four family residential $ 78,674 $ 80,322 Multi-family residential 9,482 7,054 Residential construction 66 - Commercial real estate 28,153 27,153 Commercial real estate construction 3,076 5,100 Commercial business loans 6,548 5,939 Consumer loans 2,064 2,199 Total loans 128,063 127,767 Deferred loan origination fees and costs, net 31 30 Allowance for loan losses (1,488 ) (1,504 ) Loans, net $ 126,606 $ 126,293
Schedule of components of Company's recorded investment in loans	The following table provides the components of the Company’s recorded investment in loans at June 30, 2019: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Recorded Investment in Loans Principal loan balance $ 78,674 $ 9,482 $ 3,142 $ 28,153 $ 6,548 $ 2,064 $ 128,063 Accrued interest receivable 274 19 6 94 23 7 423 Net deferred loan fees/costs 21 (11 ) (31 ) (6 ) 11 47 31 Recorded investment in loans $ 78,969 $ 9,490 $ 3,117 $ 28,241 $ 6,582 $ 2,118 $ 128,517 Recorded Investment in Loans as Evaluated for Impairment Individually evaluated for impairment $ 2,467 $ - $ - $ 765 $ 440 $ - $ 3,672 Collectively evaluated for impairment 76,502 9,490 3,117 27,476 6,142 2,118 124,845 Ending Balance $ 78,969 $ 9,490 $ 3,117 $ 28,241 $ 6,582 $ 2,118 $ 128,517 The following table provides the components of the Company’s recorded investment in loans at December 31, 2018: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Recorded Investment in Loans Principal loan balance $ 80,322 $ 7,054 $ 5,100 $ 27,153 $ 5,939 $ 2,199 $ 127,767 Accrued interest receivable 293 16 8 90 23 5 435 Net deferred loan fees/costs 16 (9 ) (31 ) (3 ) 10 47 30 Recorded investment in loans $ 80,631 $ 7,061 $ 5,077 $ 27,240 $ 5,972 $ 2,251 $ 128,232 Recorded Investment in Loans as Evaluated for Impairment: Individually evaluated for impairment $ 2,623 $ - $ - $ 868 $ 470 $ - $ 3,961 Collectively evaluated for impairment 78,008 7,061 5,077 26,372 5,502 2,251 124,271 Ending Balance $ 80,631 $ 7,061 $ 5,077 $ 27,240 $ 5,972 $ 2,251 $ 128,232
Schedule of analysis of an allowance for loan losses	An analysis of the allowance for loan losses as of June 30, 2019 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Ending allowance balance attributable to loans: Individually evaluated for impairment $ 26 $ - $ - $ 20 $ 38 $ - $ 84 Collectively evaluated for impairment 926 86 30 276 60 26 1,404 Ending balance $ 952 $ 86 $ 30 $ 296 $ 98 $ 26 $ 1,488 An analysis of the allowance for loan losses as of December 31, 2018 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total (In thousands) Ending allowance balance attributable to loans: Individually evaluated for impairment $ 34 $ - $ - $ 22 $ 44 $ - $ 100 Collectively evaluated for impairment 978 59 48 237 54 28 1,404 Ending balance $ 1,012 $ 59 $ 48 $ 259 $ 98 $ 28 $ 1,504 An analysis of the changes in the allowance for loan losses for the three months ended June 30, 2019 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 992 $ 75 $ 38 $ 283 $ 103 $ 23 $ 1,514 Provisions (12 ) 11 (8 ) 13 (5 ) 1 - Charge-offs (32 ) - - - - (1 ) (33 ) Recoveries 4 - - - - 3 7 Ending balance $ 952 $ 86 $ 30 $ 296 $ 98 $ 26 $ 1,488 An analysis of the changes in the allowance for loan losses for the six months ended June 30, 2019 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 1,012 $ 59 $ 48 $ 259 $ 98 $ 28 $ 1,504 Provisions (42 ) 27 (18 ) 37 - (4 ) - Charge-offs (32 ) - - - - (6 ) (38 ) Recoveries 14 - - - - 8 22 Ending balance $ 952 $ 86 $ 30 $ 296 $ 98 $ 26 $ 1,488 An analysis of the changes in the allowance for loan losses for the three months ended June 30, 2018 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 1,045 $ 191 $ 27 $ 263 $ 103 $ 33 $ 1,662 Provisions (13 ) 12 40 (26 ) (12 ) (1 ) - Charge-offs (29 ) - - - - (5 ) (34 ) Recoveries 82 - - - - 5 87 Ending balance $ 1,085 $ 203 $ 67 $ 237 $ 91 $ 32 $ 1,715 An analysis of the changes in the allowance for loan losses for the six months ended June 30, 2018 is as follows: One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total Allowance for Loan Losses: (In thousands) Beginning balance $ 1,070 $ 220 $ 20 $ 269 $ 111 $ 33 $ 1,723 Provisions 23 (17 ) 47 (33 ) (20 ) - - Charge-offs (100 ) - - - - (9 ) (109 ) Recoveries 92 - - 1 - 8 101 Ending balance $ 1,085 $ 203 $ 67 $ 237 $ 91 $ 32 $ 1,715
Schedule of impaired loans	The following table summarizes the Company’s impaired loans as of June 30, 2019 and for the three and six month periods ended June 30, 2019. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for both the three and six month periods ended June 30, 2019: At June 30, 2019 Three Months Ended June 30, 2019 Six Months Ended June 30, 2019 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income Investment Balance Allowance Investment Recognized Investment Recognized (In thousands) (In thousands) Loans with no related allowance recorded: One-to-four family residential $ 1,452 $ 1,773 $ - $ 1,545 $ 8 $ 1,434 $ 16 Multi-family residential - - - - - - - Construction - - - - - - - Commercial real estate 355 359 - 365 1 375 2 Commercial business 40 40 - 43 1 45 1 Consumer - - - - - - - $ 1,847 $ 2,172 $ - $ 1,953 $ 10 $ 1,854 $ 19 Loans with an allowance recorded: One-to-four family residential $ 262 $ 312 $ 26 $ 263 $ 2 $ 390 $ 5 Multi-family residential - - - - - - - Construction - - - - - - - Commercial real estate 299 297 20 325 4 335 9 Commercial business 400 450 38 405 6 410 12 Consumer - - - - - - - $ 961 $ 1,059 $ 84 $ 993 $ 12 $ 1,135 $ 26 Total: One-to-four family residential $ 1,714 $ 2,085 $ 26 $ 1,808 $ 10 $ 1,824 $ 21 Multi-family residential - - - - - - - Construction - - - - - - - Commercial real estate 654 656 20 690 5 710 11 Commercial business 440 490 38 448 7 455 13 Consumer - - - - - - - $ 2,808 $ 3,231 $ 84 $ 2,946 $ 22 $ 2,989 $ 45 The following table summarizes the Company’s impaired loans for the three and six month periods ended June 30, 2018. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for both the three and six month periods ended June 30, 2018: Three Months Ended June 30, 2018 Six Months Ended June 30, 2018 Average Interest Average Interest Recorded Income Recorded Income Investment Recognized Investment Recognized (In thousands) Loans with no related allowance recorded: One-to-four family residential $ 1,580 $ 2 $ 1,551 $ 5 Multi-family residential - - - - Construction - - - - Commercial real estate 561 1 602 5 Commercial business 37 1 28 1 Consumer - - - - $ 2,178 $ 4 $ 2,181 $ 11 Loans with an allowance recorded: One-to-four family residential $ 718 $ 9 $ 718 $ 16 Multi-family residential - - - - Construction - - - - Commercial real estate 380 5 365 11 Commercial business 473 7 487 14 Consumer - - - - $ 1,571 $ 21 $ 1,570 $ 41 Total: One-to-four family residential $ 2,298 $ 11 $ 2,269 $ 21 Multi-family residential - - - - Construction - - - - Commercial real estate 941 6 967 16 Commercial business 510 8 515 15 Consumer - - - - $ 3,749 $ 25 $ 3,751 $ 52 The following table summarizes the Company’s impaired loans as of December 31, 2018: Unpaid Recorded Principal Related Investment Balance Allowance (In thousands) Loans with no related allowance recorded: One-to-four family residential $ 1,212 $ 1,614 $ - Multi-family residential - - - Construction - - - Commercial real estate 394 398 - Commercial business 50 49 - Consumer - - - $ 1,656 $ 2,061 $ - Loans with an allowance recorded: One-to-four family residential $ 645 $ 691 $ 34 Multi-family residential - - - Construction - - - Commercial real estate 357 356 22 Commercial business 420 474 44 Consumer - - - $ 1,422 $ 1,521 $ 100 Total: One-to-four family residential $ 1,857 $ 2,305 $ 34 Multi-family residential - - - Construction - - - Commercial real estate 751 754 22 Commercial business 470 523 44 Consumer - - - $ 3,078 $ 3,582 $ 100
Schedule of recorded investment in nonperforming loans	At June 30, 2019 At December 31, 2018 Loans 90+ Loans 90+ Days Total Days Total Nonaccrual Past Due Nonperforming Nonaccrual Past Due Nonperforming Loans Still Accruing Loans Loans Still Accruing Loans (In thousands) One-to-four family residential $ 833 $ - $ 833 $ 978 $ - $ 978 Multi-family residential - - - - - - Construction - - - - - - Commercial real estate 276 - 276 313 - 313 Commercial business - - - 4 - 4 Consumer - - - - - - Total $ 1,109 $ - $ 1,109 $ 1,295 $ - $ 1,295
Schedule of aging of the recorded investment in past due loans	Over 90 30-59 Days 60-89 Days Days Total Total Past Due Past Due Past Due Past Due Current Loans June 30, 2019 (In thousands) One-to-four family residential $ 1,494 $ 541 $ 56 $ 2,091 $ 76,878 $ 78,969 Multi-family residential - - - - 9,490 9,490 Construction - - - - 3,117 3,117 Commercial real estate 261 - - 261 27,980 28,241 Commercial business - - - - 6,582 6,582 Consumer 8 2 - 10 2,108 2,118 Total $ 1,763 $ 543 $ 56 $ 2,362 $ 126,155 $ 128,517 December 31, 2018: One-to-four family residential $ 1,912 $ 853 $ 205 $ 2,970 $ 77,661 $ 80,631 Multi-family residential - - - - 7,061 7,061 Construction - - - - 5,077 5,077 Commercial real estate 232 98 - 330 26,910 27,240 Commercial business - - - - 5,972 5,972 Consumer - - - - 2,251 2,251 Total $ 2,144 $ 951 $ 205 $ 3,300 $ 124,932 $ 128,232
Schedule of risk category of loans by recorded investment	One-to-Four Family Residential Multi-Family Residential Construction Commercial Real Estate Commercial Business Consumer Total June 30, 2019 (In thousands) Pass $ 77,802 $ 9,490 $ 3,117 $ 27,630 $ 6,142 $ 2,118 $ 126,299 Special mention - - - - - - - Substandard 1,167 - - 611 440 - 2,218 Doubtful - - - - - - - Loss - - - - - - - Total $ 78,969 $ 9,490 $ 3,117 $ 28,241 $ 6,582 $ 2,118 $ 128,517 December 31, 2018: Pass $ 78,487 $ 7,061 $ 5,077 $ 26,578 $ 5,502 $ 2,251 $ 124,956 Special mention - - - - - - - Substandard 2,144 - - 662 470 - 3,276 Doubtful - - - - - - - Loss - - - - - - - Total $ 80,631 $ 7,061 $ 5,077 $ 27,240 $ 5,972 $ 2,251 $ 128,232
Schedule of TDRs by accrual status	June 30, 2019 December 31, 2018 Related Related Allowance for Allowance for Accruing Nonaccrual Total Loan Losses Accruing Nonaccrual Total Loan Losses (In thousands) One-to-four family residential $ 882 $ - $ 882 $ 26 $ 879 $ - $ 879 $ 34 Commercial real estate 377 144 521 20 439 155 594 22 Commercial business 440 - 440 38 467 4 471 44 Total $ 1,699 $ 144 $ 1,843 $ 84 $ 1,785 $ 159 $ 1,944 $ 100
Schedule of troubled debt restructurings	The following table summarizes information in regard to TDRs that were restructured during the six months ended June 30, 2019: Six Months Ended June 30, 2019 Pre-Modification Post-Modification Number of Outstanding Outstanding Contracts Balance Balance (Dollars in thousands) Commercial real estate 1 $ 158 $ 158 Total 1 $ 158 $ 158 The following table summarizes information in regard to TDRs that were restructured during the three and six month periods ended June 30, 2018: Three Months Ended June 30, 2018 Six Months Ended June 30, 2018 Pre-Modification Post-Modification Pre-Modification Post-Modification Number of Outstanding Outstanding Number of Outstanding Outstanding Contracts Balance Balance Contracts Balance Balance (Dollars in thousands) (Dollars in thousands) One-to-Four Family Residential 1 $ 10 $ 10 2 $ 54 $ 82 Total 1 $ 10 $ 10 2 $ 54 $ 82

Supplemental Disclosure for E_2

Supplemental Disclosure for Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2019
Earnings Per Share [Abstract]
Schedule of supplemental disclosure for earnings per share	Three Months Ended Six months Ended June 30, June 30, June 30, June 30, (Dollars in thousands, except per share data) 2019 2018 2019 2018 Basic Earnings: Net income $ 297 $ 296 $ 659 $ 617 Shares: Weighted average common shares outstanding 3,368,990 3,452,242 3,367,693 3,452,222 Net income per common share, basic $ 0.09 $ 0.09 $ 0.20 $ 0.18 Diluted Earnings: Net income $ 297 $ 296 $ 659 $ 617 Shares: Weighted average common shares outstanding 3,368,990 3,452,242 3,367,693 3,452,222 Add: Dilutive effect of stock options 1,337 1,354 1,333 1,288 Add: Dilutive effect of restricted stock 118 289 132 174 Weighted average common shares outstanding, as adjusted 3,370,445 3,453,885 3,369,158 3,453,684 Net income per common share, diluted $ 0.09 $ 0.09 $ 0.20 $ 0.18

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2019
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on a recurring and nonrecurring basis	Carrying Value Level 1 Level 2 Level 3 Total (In thousands) June 30, 2019 Assets Measured on a Recurring Basis Securities available for sale: Agency MBS $ - $ 8,617 $ - $ 8,617 Agency CMO - 12,735 - 12,735 Municipal obligations - 29,719 - 29,719 Total securities available for sale $ - $ 51,071 $ - $ 51,071 Assets Measured on a Nonrecurring Basis Impaired loans: One-to-four family residential $ - $ - $ 1,688 $ 1,688 Commercial real estate - - 634 634 Commercial business - - 402 402 Total impaired loans $ - $ - $ 2,724 $ 2,724 Real estate held for sale $ - $ - $ 239 $ 239 December 31, 2018: Assets Measured on a Recurring Basis Securities available for sale: Agency MBS $ - $ 8,871 $ - $ 8,871 Agency CMO - 15,559 - 15,559 Municipal obligations - 28,710 - 28,710 Total securities available for sale $ - $ 53,140 $ - $ 53,140 Assets Measured on a Nonrecurring Basis Impaired loans: One-to-four family residential $ - $ - $ 1,823 $ 1,823 Commercial real estate - - 729 729 Commercial business - - 426 426 Total impaired loans $ - $ - $ 2,978 $ 2,978 Real estate held for sale $ - $ - $ 239 $ 239
Schedule of estimated fair values of financial instruments	Fair Value Measurements Using Carrying (In thousands) Value Level 1 Level 2 Level 3 June 30, 2019 Financial assets: Cash and cash equivalents $ 22,148 $ 22,148 $ - $ - Securities available for sale 51,071 - 51,071 - Securities held to maturity 67 - 68 - Loans, net 126,606 - - 129,081 FHLB stock 778 N/A N/A N/A Accrued interest receivable 813 - 813 - Financial liabilities: Deposits 146,280 - - 146,002 FHLB advances 10,000 - 10,000 - December 31, 2018: Financial assets: Cash and cash equivalents $ 12,700 $ 12,700 $ - $ - Securities available for sale 53,140 - 53,140 - Securities held to maturity 100 - 100 - Loans, net 126,293 - - 125,908 FHLB stock 778 N/A N/A N/A Accrued interest receivable 831 - 831 - Financial liabilities: Deposits 151,108 - - 150,020

Conversion and Stock Issuance (

Conversion and Stock Issuance (Detail Textuals) - Mid-Southern, MHC's plan of conversion from mutual to stock form of ownership $ / shares in Units, $ in Millions	6 Months Ended
	Jun. 30, 2019USD ($)$ / sharesshares
Conversion And Stock Issuance [Line Items]
Plan of conversion from mutual to stock form of ownership, number of shares issued | shares	2,559,871
Expenses related to stock offering | $	$ 1.2
Amount of net proceeds in plan of conversion | $	24.4
Contribution to Bank in plan of conversion | $	$ 10.2
Number of shares exchanged to public stockholders | shares	2.3462
Number of shares outstanding | shares	3,565,430
Employee stock ownership plan ("ESOP")
Conversion And Stock Issuance [Line Items]
Plan of conversion from mutual to stock form of ownership, number of shares issued | shares	204,789
Purchase price per share for shares issued in plan of conversion | $ / shares	$ 10
Proceeds to fund ESOP | $	$ 2

Investment Securities (Details)

Investment Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Securities available for sale:
Amortized Cost	$ 49,465	$ 53,362
Gross Unrealized Gains	1,668	381
Gross Unrealized Losses	62	603
Fair Value	51,071	53,140
Agency MBS
Securities available for sale:
Amortized Cost	8,650	9,140
Gross Unrealized Gains	8	0
Gross Unrealized Losses	41	269
Fair Value	8,617	8,871
Agency CMO
Securities available for sale:
Amortized Cost	12,482	15,569
Gross Unrealized Gains	274	114
Gross Unrealized Losses	21	124
Fair Value	12,735	15,559
Mortgage back securities
Securities available for sale:
Amortized Cost	21,132	24,709
Gross Unrealized Gains	282	114
Gross Unrealized Losses	62	393
Fair Value	21,352	24,430
Municipal obligations
Securities available for sale:
Amortized Cost	28,333	28,653
Gross Unrealized Gains	1,386	267
Gross Unrealized Losses	0	210
Fair Value	$ 29,719	$ 28,710

Investment Securities (Details

Investment Securities (Details 1) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Securities held to maturity:
Amortized Cost	$ 67	$ 100
Gross Unrealized Gains	1	1
Gross Unrealized Losses	0	0
Fair Value	68	101
Agency MBS
Securities held to maturity:
Amortized Cost	47	55
Gross Unrealized Gains	1	1
Gross Unrealized Losses	0	0
Fair Value	48	56
Municipal obligations
Securities held to maturity:
Amortized Cost	20	45
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 20	$ 45

Investment Securities (Detail_2

Investment Securities (Details 2) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Available for Sale Amortized Cost
Due in one year or less, Amortized Cost	$ 0
Due after one year through five years, Amortized Cost	850
Due after five years through ten years, Amortized Cost	6,816
Due after ten years, Amortized Cost	20,667
Available for Sale, Amortized Cost	28,333
Amortized Cost	49,465	$ 53,362
Available for Sale Fair Value
Due in one year or less, Fair Value	0
Due after one year through five years, Fair Value	906
Due after five years through ten years, Fair Value	7,061
Due after ten years, Fair Value	21,752
Available for Sale, Fair Value	29,719
Fair Value	51,071	53,140
MBS and CMO
Available for Sale Amortized Cost
Amortized Cost	21,132	24,709
Available for Sale Fair Value
Fair Value	$ 21,352	$ 24,430

Investment Securities (Detail_3

Investment Securities (Details 3) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Held to Maturity, Amortized Cost
Due in one year or less, Amortized Cost	$ 20
Due after one year through five years, Amortized Cost	0
Due after five years through ten years, Amortized Cost	0
Due after ten years, Amortized Cost	0
Held to Maturity, Amortized Cost	20
Amortized Cost	67	$ 100
Held to Maturity, Fair Value
Due in one year or less, Fair Value	20
Due after one year through five years, Fair Value	0
Due after five years through ten years, Fair Value	0
Due after ten years, Fair Value	0
Held to Maturity, Fair Value	20
Fair Value	68	$ 101
MBS and CMO
Held to Maturity, Amortized Cost
Amortized Cost	47
Held to Maturity, Fair Value
Held to Maturity, Fair Value	$ 48

Investment Securities (Detail_4

Investment Securities (Details 4) $ in Thousands	Jun. 30, 2019USD ($)Position	Dec. 31, 2018USD ($)Position
Securities available for sale:
Continuous loss position more than 12 months: Number of Investment Positions | Position	11	38
Continuous loss position more than 12 months: Fair Value	$ 8,058	$ 26,148
Continuous loss position more than 12 months: Gross Unrealized Losses	$ 56	$ 584
Total securities available for sale: Number of Investment Positions | Position	12	45
Total securities available for sale: Fair Value	$ 9,789	$ 29,406
Total securities available for sale: Gross Unrealized Losses	$ 62	$ 603
Agency MBS
Securities available for sale:
Continuous loss position more than 12 months: Number of Investment Positions | Position	8	11
Continuous loss position more than 12 months: Fair Value	$ 6,186	$ 8,871
Continuous loss position more than 12 months: Gross Unrealized Losses	$ 41	$ 269
Agency CMO
Securities available for sale:
Continuous loss position less than 12 months: Number of Investment Positions | Position	1
Continuous loss position less than 12 months: Fair Value	$ 1,731
Continuous loss position less than 12 months: Gross Unrealized Losses	$ 6
Continuous loss position more than 12 months: Number of Investment Positions | Position	3	6
Continuous loss position more than 12 months: Fair Value	$ 1,872	$ 5,666
Continuous loss position more than 12 months: Gross Unrealized Losses	$ 15	$ 124
Municipal obligations
Securities available for sale:
Continuous loss position less than 12 months: Number of Investment Positions | Position		7
Continuous loss position less than 12 months: Fair Value		$ 3,258
Continuous loss position less than 12 months: Gross Unrealized Losses		$ 19
Continuous loss position more than 12 months: Number of Investment Positions | Position		21
Continuous loss position more than 12 months: Fair Value		$ 11,611
Continuous loss position more than 12 months: Gross Unrealized Losses		$ 191

Investment Securities (Detail T

Investment Securities (Detail Textuals)	Jun. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Percentage of deprecation in loss position for available-for-sale debt securities from amortized cost basis	0.63%

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 128,063		$ 127,767
Deferred loan origination fees and costs, net	31		30
Allowance for loan losses	(1,488)	$ (1,514)	(1,504)	$ (1,715)	$ (1,662)	$ (1,723)
Loans, net	126,606		126,293
Residential real estate | One-to-four family residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	78,674		80,322
Deferred loan origination fees and costs, net	21		16
Allowance for loan losses	(952)	(992)	(1,012)	(1,085)	(1,045)	(1,070)
Residential real estate | Multi-family residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,482		7,054
Deferred loan origination fees and costs, net	(11)		(9)
Allowance for loan losses	(86)	(75)	(59)	(203)	(191)	(220)
Residential real estate | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	66		0
Commercial real estate
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28,153		27,153
Deferred loan origination fees and costs, net	(6)		(3)
Allowance for loan losses	(296)	(283)	(259)	(237)	(263)	(269)
Commercial real estate | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,076		5,100
Deferred loan origination fees and costs, net	(31)		(31)
Allowance for loan losses	(30)	(38)	(48)	(67)	(27)	(20)
Commercial business loans
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,548		5,939
Deferred loan origination fees and costs, net	11		10
Allowance for loan losses	(98)	(103)	(98)	(91)	(103)	(111)
Consumer loans
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,064		2,199
Deferred loan origination fees and costs, net	47		47
Allowance for loan losses	$ (26)	$ (23)	$ (28)	$ (32)	$ (33)	$ (33)

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Details 1) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Recorded Investment in Loans:
Principal loan balance	$ 128,063	$ 127,767
Accrued interest receivable	423	435
Net deferred loan fees/costs	31	30
Recorded investment in loans	128,517	128,232
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	3,672	3,961
Collectively evaluated for impairment	124,845	124,271
Total Loans	128,517	128,232
Construction
Recorded Investment in Loans:
Principal loan balance	3,142	5,100
Accrued interest receivable	6	8
Net deferred loan fees/costs	(31)	(31)
Recorded investment in loans	3,117	5,077
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	3,117	5,077
Total Loans	3,117	5,077
Residential real estate | One-to-Four Family Residential
Recorded Investment in Loans:
Principal loan balance	78,674	80,322
Accrued interest receivable	274	293
Net deferred loan fees/costs	21	16
Recorded investment in loans	78,969	80,631
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	2,467	2,623
Collectively evaluated for impairment	76,502	78,008
Total Loans	78,969	80,631
Residential real estate | Multi-Family Residential
Recorded Investment in Loans:
Principal loan balance	9,482	7,054
Accrued interest receivable	19	16
Net deferred loan fees/costs	(11)	(9)
Recorded investment in loans	9,490	7,061
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	9,490	7,061
Total Loans	9,490	7,061
Residential real estate | Construction
Recorded Investment in Loans:
Principal loan balance	66	0
Commercial Real Estate
Recorded Investment in Loans:
Principal loan balance	28,153	27,153
Accrued interest receivable	94	90
Net deferred loan fees/costs	(6)	(3)
Recorded investment in loans	28,241	27,240
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	765	868
Collectively evaluated for impairment	27,476	26,372
Total Loans	28,241	27,240
Commercial Business
Recorded Investment in Loans:
Principal loan balance	6,548	5,939
Accrued interest receivable	23	23
Net deferred loan fees/costs	11	10
Recorded investment in loans	6,582	5,972
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	440	470
Collectively evaluated for impairment	6,142	5,502
Total Loans	6,582	5,972
Consumer
Recorded Investment in Loans:
Principal loan balance	2,064	2,199
Accrued interest receivable	7	5
Net deferred loan fees/costs	47	47
Recorded investment in loans	2,118	2,251
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,118	2,251
Total Loans	$ 2,118	$ 2,251

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Details 2) - USD ($) $ in Thousands	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	$ 84		$ 100
Collectively evaluated for impairment	1,404		1,404
Ending balance	1,488	$ 1,514	1,504	$ 1,715	$ 1,662	$ 1,723
Residential real estate | One-to-Four Family Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	26		34
Collectively evaluated for impairment	926		978
Ending balance	952	992	1,012	1,085	1,045	1,070
Residential real estate | Multi-Family Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	86		59
Ending balance	86	75	59	203	191	220
Commercial Real Estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	20		22
Collectively evaluated for impairment	276		237
Ending balance	296	283	259	237	263	269
Commercial Real Estate | Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	30		48
Ending balance	30	38	48	67	27	20
Commercial Business
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	38		44
Collectively evaluated for impairment	60		54
Ending balance	98	103	98	91	103	111
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	26		28
Ending balance	$ 26	$ 23	$ 28	$ 32	$ 33	$ 33

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Details 3) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Allowance for Loan Losses:
Beginning balance	$ 1,514	$ 1,662	$ 1,504	$ 1,723
Provisions	0	0	0	0
Charge-offs	(33)	(34)	(38)	(109)
Recoveries	7	87	22	101
Ending balance	1,488	1,715	1,488	1,715
Residential real estate | One-to-Four Family Residential
Allowance for Loan Losses:
Beginning balance	992	1,045	1,012	1,070
Provisions	(12)	(13)	(42)	23
Charge-offs	(32)	(29)	(32)	(100)
Recoveries	4	82	14	92
Ending balance	952	1,085	952	1,085
Residential real estate | Multi-Family Residential
Allowance for Loan Losses:
Beginning balance	75	191	59	220
Provisions	11	12	27	(17)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	86	203	86	203
Commercial Real Estate
Allowance for Loan Losses:
Beginning balance	283	263	259	269
Provisions	13	(26)	37	(33)
Charge-offs	0	0	0	0
Recoveries	0	0	0	1
Ending balance	296	237	296	237
Commercial Real Estate | Construction
Allowance for Loan Losses:
Beginning balance	38	27	48	20
Provisions	(8)	40	(18)	47
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	30	67	30	67
Commercial Business
Allowance for Loan Losses:
Beginning balance	103	103	98	111
Provisions	(5)	(12)	0	(20)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	98	91	98	91
Consumer
Allowance for Loan Losses:
Beginning balance	23	33	28	33
Provisions	1	(1)	(4)	0
Charge-offs	(1)	(5)	(6)	(9)
Recoveries	3	5	8	8
Ending balance	$ 26	$ 32	$ 26	$ 32

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Details 4) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Loans with no related allowance recorded:
Recorded Investment	$ 1,847	$ 1,656
Unpaid Principal Balance	2,172	2,061
Loans with an allowance recorded:
Recorded Investment	961	1,422
Unpaid Principal Balance	1,059	1,521
Related Allowance	84	100
Total Recorded Investment	2,808	3,078
Total Unpaid Principal Balance	3,231	3,582
Related Allowance for Loan Losses	84	100
Residential real estate | One-to-four family residential
Loans with no related allowance recorded:
Recorded Investment	1,452	1,212
Unpaid Principal Balance	1,773	1,614
Loans with an allowance recorded:
Recorded Investment	262	645
Unpaid Principal Balance	312	691
Related Allowance	26	34
Total Recorded Investment	1,714	1,857
Total Unpaid Principal Balance	2,085	2,305
Related Allowance for Loan Losses	26	34
Residential real estate | Multi-family residential
Loans with no related allowance recorded:
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Loans with an allowance recorded:
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Total Recorded Investment	0	0
Total Unpaid Principal Balance	0	0
Related Allowance for Loan Losses	0	0
Commercial real estate
Loans with no related allowance recorded:
Recorded Investment	355	394
Unpaid Principal Balance	359	398
Loans with an allowance recorded:
Recorded Investment	299	357
Unpaid Principal Balance	297	356
Related Allowance	20	22
Total Recorded Investment	654	751
Total Unpaid Principal Balance	656	754
Related Allowance for Loan Losses	20	22
Commercial real estate | Construction
Loans with no related allowance recorded:
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Loans with an allowance recorded:
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Total Recorded Investment	0	0
Total Unpaid Principal Balance	0	0
Related Allowance for Loan Losses	0	0
Commercial Business
Loans with no related allowance recorded:
Recorded Investment	40	50
Unpaid Principal Balance	40	49
Loans with an allowance recorded:
Recorded Investment	400	420
Unpaid Principal Balance	450	474
Related Allowance	38	44
Total Recorded Investment	440	470
Total Unpaid Principal Balance	490	523
Related Allowance for Loan Losses	38	44
Consumer
Loans with no related allowance recorded:
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Loans with an allowance recorded:
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Total Recorded Investment	0	0
Total Unpaid Principal Balance	0	0
Related Allowance for Loan Losses	$ 0	$ 0

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Details 5) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Loans with no related allowance recorded:
Average Recorded Investment	$ 1,953	$ 2,178	$ 1,854	$ 2,181
Interest Income Recognized	10	4	19	11
Loans with an allowance recorded:
Average Recorded Investment	993	1,571	1,135	1,570
Interest Income Recognized	12	21	26	41
Total Average Recorded Investment	2,946	3,749	2,989	3,751
Total Interest Income Recognized	22	25	45	52
Residential real estate | One-to-four family residential
Loans with no related allowance recorded:
Average Recorded Investment	1,545	1,580	1,434	1,551
Interest Income Recognized	8	2	16	5
Loans with an allowance recorded:
Average Recorded Investment	263	718	390	718
Interest Income Recognized	2	9	5	16
Total Average Recorded Investment	1,808	2,298	1,824	2,269
Total Interest Income Recognized	10	11	21	21
Residential real estate | Multi-family residential
Loans with no related allowance recorded:
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Loans with an allowance recorded:
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Total Average Recorded Investment	0	0	0	0
Total Interest Income Recognized	0	0	0	0
Commercial Real Estate
Loans with no related allowance recorded:
Average Recorded Investment	365	561	375	602
Interest Income Recognized	1	1	2	5
Loans with an allowance recorded:
Average Recorded Investment	325	380	335	365
Interest Income Recognized	4	5	9	11
Total Average Recorded Investment	690	941	710	967
Total Interest Income Recognized	5	6	11	16
Commercial Real Estate | Construction
Loans with no related allowance recorded:
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Loans with an allowance recorded:
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Total Average Recorded Investment	0	0	0	0
Total Interest Income Recognized	0	0	0	0
Commercial Business
Loans with no related allowance recorded:
Average Recorded Investment	43	37	45	28
Interest Income Recognized	1	1	1	1
Loans with an allowance recorded:
Average Recorded Investment	405	473	410	487
Interest Income Recognized	6	7	12	14
Total Average Recorded Investment	448	510	455	515
Total Interest Income Recognized	7	8	13	15
Consumer
Loans with no related allowance recorded:
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Loans with an allowance recorded:
Average Recorded Investment	0	0	0	0
Interest Income Recognized	0	0	0	0
Total Average Recorded Investment	0	0	0	0
Total Interest Income Recognized	$ 0	$ 0	$ 0	$ 0

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses (Details 6) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	$ 1,109	$ 1,295
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	1,109	1,295
Residential real estate | One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	833	978
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	833	978
Residential real estate | Multi-Family Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	276	313
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	276	313
Commercial Real Estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	0
Commercial Business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	0	4
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	0	4
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans	0	0
Loans 90+ Days Past Due Still Accruing	0	0
Total Nonperforming Loans	$ 0	$ 0

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Details 7) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 2,362	$ 3,300
Current	126,155	124,932
Total Loans	128,517	128,232
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	1,763	2,144
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	543	951
Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	56	205
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	3,117	5,077
Residential real estate | One-to-Four Family Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	2,091	2,970
Current	76,878	77,661
Total Loans	78,969	80,631
Residential real estate | One-to-Four Family Residential | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	1,494	1,912
Residential real estate | One-to-Four Family Residential | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	541	853
Residential real estate | One-to-Four Family Residential | Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	56	205
Residential real estate | Multi-Family Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Current	9,490	7,061
Total Loans	9,490	7,061
Residential real estate | Multi-Family Residential | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Residential real estate | Multi-Family Residential | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Residential real estate | Multi-Family Residential | Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	261	330
Current	27,980	26,910
Total Loans	28,241	27,240
Commercial Real Estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	261	232
Commercial Real Estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	98
Commercial Real Estate | Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Real Estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Current	3,117	5,077
Total Loans	3,117	5,077
Commercial Real Estate | Construction | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Real Estate | Construction | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Real Estate | Construction | Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Current	6,582	5,972
Total Loans	6,582	5,972
Commercial Business | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Business | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Commercial Business | Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	10	0
Current	2,108	2,251
Total Loans	2,118	2,251
Consumer | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	8	0
Consumer | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	2	0
Consumer | Over 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 0	$ 0

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses (Details 8) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	$ 128,517	$ 128,232
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	126,299	124,956
Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	2,218	3,276
Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Construction
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	3,117	5,077
Residential real estate | One-to-Four Family Residential
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	78,969	80,631
Residential real estate | One-to-Four Family Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	77,802	78,487
Residential real estate | One-to-Four Family Residential | Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Residential real estate | One-to-Four Family Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	1,167	2,144
Residential real estate | One-to-Four Family Residential | Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Residential real estate | One-to-Four Family Residential | Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Residential real estate | Multi-Family Residential
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	9,490	7,061
Residential real estate | Multi-Family Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	9,490	7,061
Residential real estate | Multi-Family Residential | Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Residential real estate | Multi-Family Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Residential real estate | Multi-Family Residential | Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Residential real estate | Multi-Family Residential | Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	28,241	27,240
Commercial Real Estate | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	27,630	26,578
Commercial Real Estate | Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	611	662
Commercial Real Estate | Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate | Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	3,117	5,077
Commercial Real Estate | Construction | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	3,117	5,077
Commercial Real Estate | Construction | Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate | Construction | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate | Construction | Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Real Estate | Construction | Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Business
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	6,582	5,972
Commercial Business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	6,142	5,502
Commercial Business | Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Business | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	440	470
Commercial Business | Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial Business | Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	2,118	2,251
Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	2,118	2,251
Consumer | Special mention
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Consumer | Doubtful
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Consumer | Loss
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	$ 0	$ 0

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses (Details 9) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	$ 1,699	$ 1,785
Nonaccrual	144	159
Total	1,843	1,944
Related Allowance for Loan Losses	84	100
Residential real estate | One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	882	879
Nonaccrual	0	0
Total	882	879
Related Allowance for Loan Losses	26	34
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	377	439
Nonaccrual	144	155
Total	521	594
Related Allowance for Loan Losses	20	22
Commercial Business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	440	467
Nonaccrual	0	4
Total	440	471
Related Allowance for Loan Losses	$ 38	$ 44

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses (Details 10) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2018USD ($)Contract	Jun. 30, 2019USD ($)Contract	Jun. 30, 2018USD ($)Contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contract	1	1	2
Pre-Modification Outstanding Balance	$ 10	$ 158	$ 54
Post-Modification Outstanding Balance	$ 10	$ 158	$ 82
Residential real estate | One-to-Four Family Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contract	1		2
Pre-Modification Outstanding Balance	$ 10		$ 54
Post-Modification Outstanding Balance	$ 10		$ 82
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contract		1
Pre-Modification Outstanding Balance		$ 158
Post-Modification Outstanding Balance		$ 158

Loans and Allowance for Loan_14

Loans and Allowance for Loan Losses (Detail Textuals)	Jun. 30, 2019USD ($)Loans	Dec. 31, 2018USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans | Loans	11
Aggregate partial charge-offs loan	$ 243,000
Value of estimated to exceed	$ 100,000
Residential real estate properties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Foreclosure proceedings in process		$ 170,000

Supplemental Disclosure for E_3

Supplemental Disclosure for Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Earnings:
Net income		$ 297	$ 296	$ 659	$ 617
Shares:
Weighted average common shares outstanding		3,368,990	3,452,242	3,367,693	3,452,222
Net income per common share, basic (in dollars per share)	[1]	$ 0.09	$ 0.09	$ 0.20	$ 0.18
Earnings:
Net income		$ 297	$ 296	$ 659	$ 617
Shares:
Weighted average common shares outstanding		3,368,990	3,452,242	3,367,693	3,452,222
Add: Dilutive effect of stock options		1,337	1,354	1,333	1,288
Add: Dilutive effect of restricted stock		118	289	132	174
Weighted average common shares outstanding, as adjusted		3,370,445	3,453,885	3,369,158	3,453,684
Net income per common share, diluted (in dollars per share)	[1]	$ 0.09	$ 0.09	$ 0.20	$ 0.18
[1]	Per share amounts for 2018 have been restated to give retroactive recognition to the exchange ratio applied in the second-step mutual to stock conversion ("Conversion") (2.3462 to one). See Note 2 to the consolidated financial statements.

Supplemental Disclosure for E_4

Supplemental Disclosure for Earnings Per Share (Detail Textuals)	6 Months Ended
	Jun. 30, 2019
Earnings Per Share [Abstract]
Description of exchange ratio conversion	2.3462 to one

Employee Stock Ownership Plan (

Employee Stock Ownership Plan (Detail Textuals) - Conversion - Employee stock ownership plan ("ESOP")	3 Months Ended	6 Months Ended
	Jun. 30, 2019USD ($)shares	Jun. 30, 2019USD ($)$ / sharesshares
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Plan of conversion from mutual to stock form of ownership, number of shares issued		204,789
Purchase price per share for shares issued in plan of conversion | $ / shares		$ 10
Term of loan	20 years	20 years
Compensation expense | $	$ 32,000	$ 65,000
Number of allocated shares of common stock	5,147	5,147
Number of unallocated shares of common stock	199,642	199,642
Value unallocated shares of common stock | $	$ 2,500,000	$ 2,500,000

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 51,071	$ 53,140
Real estate held for sale	239	239
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Real estate held for sale	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	51,071	53,140
Real estate held for sale	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Real estate held for sale	239
Assets Measured on a Recurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	51,071	53,140
Assets Measured on a Recurring Basis | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	8,617	8,871
Assets Measured on a Recurring Basis | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	12,735	15,559
Assets Measured on a Recurring Basis | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	29,719	28,710
Assets Measured on a Recurring Basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 1 | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 1 | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 1 | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	51,071	53,140
Assets Measured on a Recurring Basis | Level 2 | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	8,617	8,871
Assets Measured on a Recurring Basis | Level 2 | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	12,735	15,559
Assets Measured on a Recurring Basis | Level 2 | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	29,719	28,710
Assets Measured on a Recurring Basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 3 | Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans		0
Assets Measured on a Recurring Basis | Level 3 | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 3 | Agency CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Recurring Basis | Level 3 | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Assets Measured on a Nonrecurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	2,724	2,978
Real estate held for sale	239	239
Assets Measured on a Nonrecurring Basis | Residential | One-to-Four Family Residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,688	1,823
Assets Measured on a Nonrecurring Basis | Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	634	729
Assets Measured on a Nonrecurring Basis | Commercial Business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	402	426
Assets Measured on a Nonrecurring Basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate held for sale	0	0
Assets Measured on a Nonrecurring Basis | Level 1 | Residential | One-to-Four Family Residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Assets Measured on a Nonrecurring Basis | Level 1 | Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Assets Measured on a Nonrecurring Basis | Level 1 | Commercial Business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Assets Measured on a Nonrecurring Basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate held for sale	0	0
Assets Measured on a Nonrecurring Basis | Level 2 | Residential | One-to-Four Family Residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Assets Measured on a Nonrecurring Basis | Level 2 | Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Assets Measured on a Nonrecurring Basis | Level 2 | Commercial Business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Assets Measured on a Nonrecurring Basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	2,724	2,978
Real estate held for sale	239	239
Assets Measured on a Nonrecurring Basis | Level 3 | Residential | One-to-Four Family Residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,688	1,823
Assets Measured on a Nonrecurring Basis | Level 3 | Commercial Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	634	729
Assets Measured on a Nonrecurring Basis | Level 3 | Commercial Business
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 402	$ 426

Fair Value Measurements (Deta_2

Fair Value Measurements (Details 1) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Financial assets:
Securities available for sale	$ 51,071	$ 53,140
Securities held to maturity	67	100
Loans, net	126,606	126,293
FHLB stock	778	778
Carrying Value
Financial assets:
Cash and cash equivalents	22,148	12,700
Securities available for sale	51,071	53,140
Securities held to maturity	67	100
Loans, net	126,606	126,293
FHLB stock	778	778
Accrued interest receivable	813	831
Financial liabilities:
Deposits	146,280	151,108
FHLB advances	10,000
Level 1
Financial assets:
Cash and cash equivalents	22,148	12,700
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
FHLB advances	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities available for sale	51,071	53,140
Securities held to maturity	68	100
Loans, net	0	0
Accrued interest receivable	813	831
Financial liabilities:
Deposits	0	0
FHLB advances	10,000
Level 3
Financial assets:
Cash and cash equivalents	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	129,081	125,908
Accrued interest receivable	0	0
Financial liabilities:
Deposits	146,002	$ 150,020
FHLB advances	$ 0

Fair Value Measurements (Deta_3

Fair Value Measurements (Detail Textuals) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Recapture of provision for loan losses	$ 0	$ 0	$ 0	$ 0
Level 3 | Cost approach | Appraised value | Impaired loans
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Recapture of provision for loan losses	$ 2,000	$ 10,000	$ 16,000	$ 40,000
Percentage of discount from appraised value	10.00%		10.00%		10.00%
Measurement inputs	estimated costs to sell the collateral	estimated costs to sell the property
Level 3 | Cost approach | Appraised value | Real estate held for sale
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Percentage of discount from appraised value	10.00%		10.00%		10.00%

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Detail Textuals)	6 Months Ended
	Jun. 30, 2019
ASU 2016-02, Leases (Topic 842)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Percentage of estimated potential impact on adoption of Accounting Standards Updates	5.00%