Generations Bancorp NY (GBNY) 10-K 24 Mar 23 2022 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Mar. 23, 2023	Jun. 30, 2022
Document and Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Document Transition Report	false
Entity File Number	001-39883
Entity Registrant Name	Generations Bancorp NY, Inc.
Entity Address, State or Province	MD
Entity Tax Identificatoin Number	85-3659943
Entity Address, Address Line One	20 East Bayard Street
Entity Address, City or Town	Seneca Falls
Entity Incorporation, State or Country Code	NY
Entity Address, Postal Zip Code	13148
City Area Code	315
Local Phone Number	568-5855
Title of 12(b) Security	Common Stock
Trading Symbol	GBNY
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Public Float			$ 23.5
Entity Common Stock, Shares Outstanding		2,341,152
Entity Central Index Key	0001823365
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Amendment Flag	false
Auditor Name	Bonadio & Co., LLP
Auditor Firm ID	1884
Auditor Location	Syracuse, New York

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($)	Dec. 31, 2022	Dec. 31, 2021
ASSETS:
Cash and due from banks	$ 3,955,000	$ 4,051,000
Interest earning deposits	4,049,000	16,946,000
Total cash and cash equivalents	8,004,000	20,997,000
Securities available-for-sale, at fair value	33,050,000	36,975,000
Investment securities held-to-maturity (fair value 2022-$1,301, 2021-$1,721)	1,587,000	1,778,000
Equity investment securities, at fair value	307,000	350,000
Federal Home Loan Bank stock, at cost	1,740,000	1,450,000
Loans	306,377,000	279,961,000
Less: Allowance for loan losses	(2,497,000)	(1,841,000)
Loans receivable, net	303,880,000	278,120,000
Premises and equipment, net	14,863,000	15,345,000
Bank-owned life insurance	7,351,000	7,890,000
Pension plan asset	10,697,000	11,107,000
Foreclosed real estate & repossessed assets	12,000	27,000
Goodwill	792,000	792,000
Intangible assets, net	718,000	783,000
Accrued interest receivable	1,304,000	1,249,000
Other assets	1,988,000	2,086,000
Total assets	386,293,000	378,949,000
Deposits:
Noninterest-bearing	54,609,000	57,540,000
Interest-bearing	263,069,000	254,509,000
Total deposits	317,678,000	312,049,000
Short-term borrowings	16,200,000
Long-term borrowings	10,334,000	17,760,000
Advances from borrowers for taxes and insurance	2,653,000	2,443,000
Other liabilities	2,100,000	3,218,000
Total liabilities	348,965,000	335,470,000
Shareholders' equity:
Preferred stock, par value $0.01; 1,000,000 shares authorized; none issued
Common stock, par value $0.01; 14,000,000 shares authorized in 2022 and 2021; 2,348,748 and 2,458,261 shares issued and outstanding at December 31, 2022 and 2021, respectively	24,000	26,000
Additional paid in capital	23,002,000	24,494,000
Retained earnings	22,512,000	21,669,000
Accumulated other comprehensive loss	(6,467,000)	(966,000)
Stock held in rabbi trust	(698,000)	(654,000)
Unearned ESOP shares, at cost	(1,045,000)	(1,090,000)
Total shareholders' equity	37,328,000	43,479,000
Total liabilities and shareholders' equity	$ 386,293,000	$ 378,949,000

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parentheticals) $ in Thousands	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares
Statements of Condition
Investment securities held-to-maturity, fair value | $	$ 1,301	$ 1,721
Preferred Stock, Par or Stated Value Per Share | $ / shares	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Common Stock, Par or Stated Value Per Share | $ / shares	$ 0.01	$ 0.01
Common Stock, Shares Authorized	14,000,000	14,000,000
Common Stock, Shares, Issued	2,348,748	2,458,261
Common Stock, Shares, Outstanding	2,348,748	2,458,261

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Interest and dividend income:
Loans, including fees	$ 12,023	$ 12,576
Debt and equity securities:
Taxable	722	519
Tax-exempt	414	404
Interest-earning deposits	84	23
Other	61	81
Total interest income	13,304	13,603
Interest expense:
Deposits	1,474	1,260
Short-term borrowings	216
Long-term borrowings	244	415
Subordinated debt		9
Total interest expense	1,934	1,684
Net interest income	11,370	11,919
Provision for loan losses	631	540
Net interest income after provision for loan losses	10,739	11,379
Noninterest income:
Banking fees and service charges	1,588	1,579
Mortgage banking income, net	44	57
Insurance commissions	451	722
(Loss) Earnings on bank-owned life insurance	(28)	113
Change in fair value on equity securities	(45)	27
Net gain on sale of securities		10
Other charges, commissions & fees	107	218
Total noninterest income	2,117	2,726
Noninterest expense:
Compensation and benefits	4,891	5,299
Occupancy and equipment	2,005	2,087
Impairment of long-lived assets		300
Service charges	2,100	2,035
Regulatory assessments	208	299
Professional and other services	743	643
Advertising	428	433
Other expenses	1,178	1,313
Total noninterest expenses	11,553	12,409
Income before income tax expense	1,303	1,696
Income tax expense	216	283
Net income	1,087	1,413
Net income available to common shareholders	$ 1,087	$ 1,413
Basic earnings per common share	$ 0.47	$ 0.60
Diluted earnings per common share	$ 0.47	$ 0.60

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive (Loss) Income
Net income	$ 1,087	$ 1,413
Unrealized losses on securities available-for-sale:
Unrealized holding losses arising during the period	(5,214)	(634)
Reclassification adjustment for net gains included in net income		(10)
Net unrealized losses on securities available-for-sale	(5,214)	(644)
Defined benefit pension plan:
Net gains (losses) arising during the period	(1,748)	1,098
Reclassification of amortization of net losses recognized in net pension expense		114
Net change in defined benefit pension plan asset	(1,748)	1,212
Other comprehensive income (loss), before tax	(6,962)	568
Tax effect	1,461	(119)
Other comprehensive income (loss), net of tax	(5,501)	449
Total comprehensive income (loss)	$ (4,414)	$ 1,862

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Loss.	Treasury Stock	Stock Held by Rabbi Trust	Unearned ESOP Share	Total
Balance at Dec. 31, 2020	$ 26	$ 11,954	$ 20,256	$ (1,415)	$ (614)	$ (290)	$ (31)	$ 29,886
Increase (decrease) in stockholders' equity
Net income			1,413					1,413
Proceeds from issuance of 1,477,575 shares of commons stock (which included 109,450 shares related to the ESOP), net of the offering cost of $1.65 million		13,151					(1,104)	12,047
Treasury Stock retired		(614)			$ 614
Other comprehensive income				449				449
Purchase of common stock for Directors Retirement Plan						(350)		(350)
Purchase of common stock for SERPs						(14)		(14)
ESOP shares committed to be released		3					45	48
Balance at Dec. 31, 2021	26	24,494	21,669	(966)		(654)	(1,090)	43,479
Increase (decrease) in stockholders' equity
Net income			1,087					1,087
Other comprehensive income				(5,501)				(5,501)
Purchase of common stock for Directors Retirement Plan						(13)		(13)
Purchase of common stock for SERPs						(31)		(31)
Effect of stock repurchase plan	(2)	(1,626)	(244)					(1,872)
Stock-based compensation		128						128
ESOP shares committed to be released		6					45	51
Balance at Dec. 31, 2022	$ 24	$ 23,002	$ 22,512	$ (6,467)		$ (698)	$ (1,045)	$ 37,328

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) shares
Consolidated Statements of Changes in Shareholders' Equity
Issuance of shares (in shares)	1,477,575
Issuance of shares related to ESOP (in shares)	109,450
Offering cost | $	$ 1,650

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
OPERATING ACTIVITIES
Net income	$ 1,087	$ 1,413
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	631	540
Deferred income tax expense	200	184
Realized gains on sales of:
Premises and equipment		(59)
Available-for-sale investment securities		(10)
Change in fair value on equity securities	45	(27)
Impairment of long-lived asset		300
Depreciation	943	1,027
Amortization of intangible asset	65	65
Amortization of fair value adjustment to purchased loan portfolio	(69)	(69)
ESOP expense	51	48
Stock-based compensation	128
Amortization of deferred loan costs	110	89
Loss (Earnings) on bank-owned life insurance	28	(113)
Proceeds from bank-owned life insurance premium	511
Change in pension plan assets	(1,338)	(1,175)
Net amortization of premiums and discounts on investment securities	159	324
Net change in accrued interest receivable	(55)	(70)
Net change in other assets and liabilities	451	935
Net cash provided by operating activities	2,947	3,402
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(3,685)	(27,122)
Net change in interest-bearing deposits		(650)
Net proceeds from the (purchase of) redemption of Federal Home Loan Bank stock	(290)	542
Proceeds from maturities and principal reductions of:
Available-for-sale investment securities	2,239	2,972
Held-to-maturity investment securities	187	346
Proceeds from sale of:
Available-for-sale investment securities		4,149
Real estate and repossessed assets acquired	84	105
Premises and equipment		555
Net change in loans	(26,501)	6,873
Purchase of premises and equipment	(461)	(425)
Net cash used in investing activities	(28,427)	(12,655)
FINANCING ACTIVITIES
Net change in demand deposits, savings accounts, and money market accounts	(24,469)	10,255
Net change in time deposits	30,098	(7,752)
Net change in short-term borrowings	16,200
Payments on long-term borrowings	(8,407)	(9,868)
Repayment from subordinated debt offering		(1,235)
Proceeds from long-term borrowings	981
Purchase of common stock for directors retirement plan	(13)	(13)
Purchase of common stock of SERP	(31)	(14)
Net proceeds from stock offering and conversion		13,151
Effect of stock repurchase plan	(1,872)
Purchase of common stock for ESOP		(1,104)
Net cash provided by financing activities	12,487	3,420
Net change in cash and cash equivalents	(12,993)	(5,833)
Cash and cash equivalents at beginning of period	20,997	26,830
Cash and cash equivalents at end of period	8,004	20,997
Supplemental Cash Flows Information
Interest	1,807	1,700
Transfer of loans to foreclosed real estate and repossessed assets	$ 69	$ 87

Organization and Nature of Oper

Organization and Nature of Operations	12 Months Ended
	Dec. 31, 2022
Organization and Nature of Operations
Organization and Nature of Operations	1. Organization and Nature of Operations Generations Bancorp NY, Inc. (“Generations Bancorp”) is a Maryland corporation that was organized in August 2020 as part of the Seneca-Cayuga Bancorp, Inc. (“Seneca-Cayuga”) conversion from the mutual holding company structure to a fully public stock holding company structure. Prior to the conversion, Generations Bank was the wholly-owned subsidiary of Seneca-Cayuga, and The Seneca Falls Savings Bank, MHC (“MHC”) owned 60.1% of Seneca-Cayuga’s common stock. On January 13, 2021, Generations Bancorp sold 1,477,575 of its common stock in a stock offering, (which included 109,450 shares issued to the ESOP) representing the ownership interest of the MHC for gross proceeds of $14.8 million and net proceeds of $13.2 million. The exchange ratio of previously held shares by public shareholders (i.e., shareholders other than the MHC) of Seneca-Cayuga was 0.9980 as applied in the conversion offering. References herein to the “Company” include Generations Bancorp subsequent to the completion of the conversion and Seneca-Cayuga prior to the completion of the conversion. Generations Bank (the “Bank”) is a federal savings bank headquartered in Seneca Falls, New York. We were organized in 1870 and have operated continuously since that time in the northern Finger Lakes Region of New York State which is located in the central to northwestern portion of New York State. Generations Commercial Bank (the “Commercial Bank”) is a New York State chartered limited-purpose commercial bank formed expressly to enable local municipalities to deposit public funds with the Bank in accordance with existing NYS municipal law and is a wholly owned subsidiary of the Bank. The Bank maintains its executive offices and main retail location in Seneca Falls, New York, with retail offices in Waterloo, Geneva, Auburn, Union Springs, Phelps, Farmington, and Medina, New York. The Bank is a community-oriented savings institution whose business primarily consists of accepting deposits from customers within its market area and investing those funds in loans secured by one- to four-family residential real estate, commercial real estate, business or personal assets and in investment securities. In addition, Generations Agency, Inc. (the “Agency”) offers personal and commercial insurance products through licensed employees in the same market area. The Agency is the Bank’s wholly-owned subsidiary.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	2. Summary of Significant Accounting Policies a. Principles of Consolidation and Basis of Presentation The consolidated financial statements include the accounts of the Holding Company, the Bank, the Commercial Bank and the Agency. The consolidated entity is referred to as the “Company” in the following notes to the consolidated financial statements. All significant intercompany balances and transactions have been eliminated in consolidation. Amounts in the prior year’s consolidated financial statements have been reclassified whenever necessary to conform to the current year’s presentation. Such reclassifications had no impact on net income. b. Use of Estimates The preparation of consolidated financial statements, in accordance with accounting principles generally accepted in the United States of America, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Management has identified the allowance for loan losses, deferred income taxes, pension obligations and the evaluation of investment securities for other-than-temporary impairment to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. The Company is subject to the regulations of various governmental agencies. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations. c. Cash and Cash Equivalents Cash and cash equivalents include cash, amounts due from banks, including interest-bearing demand deposits, and items in the process of collection. The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. d. Securities The Company reports debt securities in one of the following categories: (i) “held-to-maturity” which management has the positive intent and ability to hold debt securities to maturity. These securities are reported at amortized cost adjusted for the amortization of premiums and accretion of discounts; or (ii) “available-for-sale” which includes all other debt securities and are reported at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income (loss). The Company classifies its debt securities in one of these categories based upon determinations made at the time of purchase, and re-evaluates their classification each quarter-end. Premiums and discounts on debt securities are amortized, or accreted, to interest income over the term of the security and adjusted for the effect of actual prepayments in the case of mortgage-backed securities. Gains and losses on the sales of securities are recognized in income when sold, using the specific identification method, on a trade date basis. Equity securities are reported at fair value, with unrealized gains and losses included in earnings. Investment securities are exposed to various risks such as interest rate, market, and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the amounts reported in the accompanying consolidated financial statements. Note 4 to the consolidated financial statements includes additional information about the Company’s accounting policies with respect to the impairment of investment securities. e. Federal Home Loan Bank of New York Stock The Bank, as a member of the Federal Home Loan Bank (“FHLB”) system, is required to maintain an investment in capital stock of the FHLB. Based on redemption provisions of the FHLB, the stock has no quoted fair value and is carried at cost, which approximates fair value. f. Loans Receivable The Company grants residential mortgage, commercial, and consumer loans to customers, principally located in the Finger Lakes Region of New York State and extending north to Orleans County. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses, and plus net deferred loan origination costs. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area. Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received, and the related direct origination costs incurred, are deferred and amortized over the life of the loan using a method that approximates the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan. The loans receivable portfolio is segmented into residential mortgage, commercial, and consumer loans. The residential mortgage segment consists of one- to four-family first-lien residential mortgages and construction loans. Commercial loans consist of the following classes: real estate secured by nonresidential property, real estate secured by multi-family residences, construction, and other commercial and industrial loans. Consumer loans include home equity (both installment loans and lines of credit), residential junior-lien loans, manufactured home loans, automobile, student, and other consumer loans. g. Allowance for Loan Losses The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the consolidated statement of financial condition date and is recorded as a reduction of loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable is charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Consumer loans not secured by residential real estate are generally charged off no later than 90 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible. Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying amount of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, automobile loans identified in pools by product and underwriting standards, as well as smaller balance homogeneous consumer loans. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative risk factors. These qualitative risk factors include: · Asset quality trends · · · · Each factor is assigned a value to reflect improving, stable, or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. The risk characteristics within the loan portfolio vary depending on the loan segment. Consumer loans generally are repaid from personal sources of income. Risks associated with consumer loans primarily include general economic risks such as declines in the local economy creating higher rates of unemployment. Those conditions may also lead to a decline in collateral values should the Company be required to repossess the collateral securing consumer loans. These economic risks also impact the commercial loan segment, however commercial loans are considered to have greater risk than consumer loans as the primary source of repayment is from the cash flow of the business customer. Real estate loans, including residential mortgages, commercial real estate loans, multi-family, and home equity loans comprise approximately 58% of the portfolio in 2022 and 55% in 2021. Loans secured by real estate provide the best collateral protection and thus significantly reduce the inherent risk in the portfolio. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans, by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. An allowance for loan losses is established for an impaired loan if its carrying amount exceeds its estimated fair value. The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loan’s collateral. For commercial loans secured by real estate, including those in construction, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made as to whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal, and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial loans secured by non-real estate collateral, such as accounts receivable, inventory, and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable agings, equipment appraisals, or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer loans for impairment disclosures, unless such loans are the subject of a troubled debt restructuring agreement. Loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally involve a temporary reduction in interest rate or an extension of a loan’s stated maturity date. Loans classified as troubled restructurings are designated as impaired. The indirect automobile program loans and the loans originated under a direct sub-prime automobile program, are evaluated separately from the rest of the consumer loan portfolio. Due to the inherent risk of the program loans, they are evaluated based on the historical losses in the portfolio and discounted collateral values. Since this piece of the portfolio no longer enjoys the participation of the dealers, their continuing reserves, and dealer cooperation, there are no longer available cash reserves accumulated as part of the indirect loan assignment agreements with local dealers. The direct sub-prime automobile program was offered to consumers for approximately nine months in 2014. The program was discontinued after a detailed analysis revealed that the loan type carried higher risk characteristics than the other automobile portfolios. We have analyzed the historical loss factors to date and have assigned higher reserve factors to these loans to represent the associated risk. Reserves for this loan type are based on the rate of delinquency, the prospect of payment established by collection efforts, and discounted collateral values. The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors, and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for all loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful, and loss. Loans classified as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated as pass. In addition, Federal regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate. j. Income Recognition on Impaired and Non-accrual Loans For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on non-accrual status, unpaid interest is reversed and charged to interest income. Interest received on non-accrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six When future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a non-accrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered. i. Premises and Equipment Land is carried at cost. Buildings, improvements, and equipment are carried at cost less accumulated depreciation and amortization. Depreciation expense is provided on a straight-line basis over the estimated useful lives of the related assets, which is generally 15 to 40 years for buildings and 3 to 10 years for furniture, equipment, computers, and software. Leasehold improvements, if any, are amortized over the shorter of the terms of the lease or useful life. Maintenance and repairs are charged to operating expenses as incurred. The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of a particular asset may not be recoverable. j. Bank-owned Life Insurance The Bank invests in bank-owned life insurance (“BOLI”) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a chosen group of employees. The Bank is the owner and beneficiary of the life insurance policies, and as such, the investment is carried at the cash surrender value of the underlying policies. In 2012, the Bank purchased additional BOLI to offset the cost of the director’s retirement plan and the addition of a supplemental executive retirement plan. The 2012 purchase of $2 million in additional BOLI on senior management includes a split-dollar arrangement on a portion of the insurance benefit. The policies are carried at the cash surrender value and the liability for the split dollar arrangement is recorded in other liabilities. Income from the increase in cash surrender value of the policies is included in noninterest income on the consolidated statements of income. One of the Bank’s BOLI policies includes a stable value wrapper policy that provides for book value accounting of the policy’s cash value accumulations with the periodic credit rating adjusted to recapture any losses greater than the stable value wrapper coverage. In the event that the market value falls below the stable value wrapper ratio limit of 87% of our total cash surrender value, the Bank’s book value would be written down to reduce the market value loss to 13%. Decreases in book value are recovered over time through higher crediting rate resets. k. Intangible Assets and Goodwill Intangible assets represent acquired assets that lack physical substance, but can be distinguished from goodwill because of contractual or other legal rights. The Company’s intangible assets include customer lists and covenants not to compete that were acquired in connection with business acquisitions. Goodwill represents the excess of the cost of an acquisition over the fair value of tangible and identifiable intangible assets acquired in a business combination utilizing purchase accounting. The value of goodwill is tested at least annually for impairment. At December 31, 2022 the value of goodwill recorded was $792,000. As part of recording the purchase of assets and liabilities of Medina Savings and Loan Association at fair value upon the September 29, 2018 merger, Generations Bank recorded a $964,000 Core Deposit Intangible (“CDI”). The CDI valuation method employed a discounted cash flow analysis to determine the fair value of the acquired core deposits to fund operations, versus using comparable term (i.e. term to maturity) wholesale borrowings. A positive valuation results because the overall cost of core deposits (interest rate plus operating expense less other income) is lower than the cost of a laddered portfolio of borrowings structured with the same maturity as the projected core deposit base. As of the Valuation Date, the value of Medina’s core deposits was, in aggregate, $964,000 on a pre-tax basis, equal to 2.50% of the acquired core deposits. This asset is amortized over 15 years in accordance with the fair value analysis provided by a third-party. The Company reviews its identifiable assets for impairment whenever events or circumstances indicate that the carrying value may not be recoverable. Goodwill represents the excess of the cost of an acquisition over the fair value of tangible and identifiable intangible assets acquired in a business combination utilizing purchase accounting. The stock purchase of the John G. Sweeney Agency, Inc. was recorded as goodwill of $792,000. The value of goodwill is tested at least annually for impairment. The MSL merger did not have goodwill. The goodwill will be disposed of upon the completion of the sale of Generations Insurance Agency to The Northwoods Corporation in 2023. l. Employee Benefit Plans The Bank funds two noncontributory defined benefit pension plans, one plan that accrues benefits for employees of Generations Bank that were hired prior to October 1, 2016 and the second plan that was acquired with the MSL merger and covers MSL employees that were participants of that plan effective September 30, 2018. Both plans have been frozen to new employees and cover eligible Company employees at least 21 years of age and with at least one year of service. Benefits under these plans generally are based on employees’ years of service and compensation. The Bank makes annual contributions to the plans equal to the maximum amount that can be deducted for income tax purposes. The Bank sponsors an Employee Stock Ownership Plan (“ESOP”) covering substantially all full-time employees. Acquisitions of the Holding Company’s common stock for the Plan by the Bank were funded internally through a borrowing from the Holding Company, which is repayable annually with interest over twenty-five years. The cost of shares issued to the ESOP but not allocated to participants is presented in the consolidated statement of financial condition as a reduction of shareholders’ equity. ESOP shares are released to participants proportionately as the loan is repaid. Allocations to individual accounts are based on participant compensation. As shares are committed to be released to participants, the Company reports compensation expense equal to the current market price of the shares and the shares become outstanding for earnings per share computations. The difference between the market price and the cost of shares committed to be released is recorded as an adjustment to additional paid-in-capital. Dividends on allocated shares reduce retained earnings; dividends on unallocated ESOP shares reduce debt and accrued interest. The Bank has a defined contribution plan under section 401(k) of the Internal Revenue Code. This plan covers all Bank employees with at least twelve months of service. The Bank’s contributions to this plan are discretionary and begin after one year of service. Employee contributions are voluntary. Employees vest immediately in their own contributions, and vest in the Bank’s contributions based on years of service. The Company has a Directors Retirement Plan for the benefit of its eligible non-employee members of the Board of Directors of the Company. This plan is an unfunded arrangement and intended to comply with Internal Revenue Code Section 409A. The plan allows for deferred compensation elections and a supplemental contribution by the Bank. The plan has been frozen to new members that joined our Board after our 2018 annual meeting. The Company also has a supplemental executive retirement plan, under Internal Revenue Code Section 409A, for selected officers. This plan is an unfunded arrangement that consists of an annual contribution calculated based on a target benefit. m. Foreclosed Real Estate and Repossessed Assets Real estate and other assets acquired in settlement of loans are carried at the fair value of the property at the date of acquisition less estimated selling costs. The following table represents the detail of such assets at December 31: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Foreclosed real estate ​ $ 12 ​ $ 27 Repossessed assets ​ — ​ — ​ ​ $ 12 ​ $ 27 ​ Write-downs from cost to fair value less estimated selling costs, which are required at the time of foreclosure or repossession, are charged to the allowance for loan losses. Subsequent write-downs to fair value, net of estimated selling costs and the net operating expenses of foreclosed and repossessed assets, are charged to other noninterest expenses and were approximately $15,000 and $7,000 for years ended 2022 and 2021, respectively. At December 31, 2022 there were 13 one- to four-family residential mortgage loans, two home equity loans, one nonresidential loan, and one commercial loan in the process of foreclosure for a total of $1.6 million. At December 31, 2021 there were 12 one- to four-family residential mortgage loans, two home equity loans, two nonresidential loans, and two commercial loans in the process of foreclosure for a total of $1.3 million. n. Advertising The Company follows the policy of charging the costs of advertising to expense as incurred. o. Income Taxes Deferred income tax assets and liabilities are determined using the liability method. Under this method, the net deferred tax asset or liability is recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases as well as net operating losses, capital losses, and contribution carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. To the extent that current available evidence about the future raises doubt about the likelihood of a deferred tax asset being realized, a valuation allowance is established. The judgment about the level of future taxable income, including that which is considered capital, is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. Interest and penalties are included as a component of noninterest expense if incurred. Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent. The terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. At December 31, 2022 and 2021, the Company had no uncertain tax positions. p. Comprehensive Income Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains, and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and unrecognized gains or losses and prior service credits for the defined benefit pension plan are reported as a separate component of the shareholders’ equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income. The amounts of income tax (expense) benefit allocated to each component of other comprehensive income are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For Years Ended ​ ​ December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ Unrealized gains on securities available-for-sale: ​ ​ Unrealized holding losses arising during the period ​ $ 1,095 ​ $ 133 Reclassification adjustment for net gains included in net income ​ — ​ 2 Net unrealized gains on securities available-for-sale ​ 1,095 ​ 135 Defined benefit pension plan: ​ ​ Net plan (gains) losses arising during the period ​ 366 ​ (231) Reclassification of amortization of net losses and prior service credit recognized in net pension expense ​ — ​ (23) Net change in defined benefit pension plan asset ​ 366 ​ (254) ​ ​ $ 1,461 ​ $ (119) ​ The balances and changes in the components of accumulated other comprehensive income (loss), net of tax, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ Accumulated ​ ​ (Losses) Gains ​ Defined ​ Other Year Ended December 31, ​ on Securities ​ Benefit ​ Comprehensive (In thousands) Available-for-Sale Pension Plan Loss ​ ​ ​ Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) Other comprehensive loss before reclassifications ​ (4,120) ​ (1,381) ​ (5,501) Net current-period other comprehensive loss ​ (4,120) ​ (1,381) ​ (5,501) Balance, December 31, 2022 ​ $ (3,905) ​ $ (2,562) ​ $ (6,467) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ 723 ​ $ (2,138) ​ $ (1,415) Other comprehensive income (loss) before reclassifications ​ (500) ​ 867 ​ 367 Amounts reclassified from AOCI to the income statement ​ (8) ​ 90 ​ 82 Net current-period other comprehensive income (loss) ​ (508) ​ 957 ​ 449 Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) ​ q. Earnings Per Common Share Basic earnings per common share is calculated by dividing net income (loss) by the weighted-average number of common shares outstanding during the period. Diluted earnings per share is calculated in a manner similar to that of basic earnings per share except that the weighted-average number of shares is increased to include the number of incremental common shares that would have been outstanding under the treasury stock method if all potentially dilutive common shares (such as stock options) issued became vested during the period. Based on the calculation, there was no impact on earnings per share as the stock options were considered anti-dilutive for the year ended December 31, 2022. The Company had anti-dilutive shares of 40,075 as of the year-ended December 31, 2022. On March 28, 2022, the Board of Directors authorized a stock repurchase program to repurchase approximately 83,300 shares, or approximately 3.4%, of the Company’s outstanding common stock. On May 19, 2022, the 2022 Equity Incentive Plan (the “Plan”) which includes initial grants of restricted stock and stock options to outside directors, was approved by the Com

Balances at Other Banks

Balances at Other Banks	12 Months Ended
	Dec. 31, 2022
Balances at Other Banks
Balances at Other Banks	3. Balances at Other Banks The Bank may be required to maintain cash balances on hand or with the Federal Reserve Bank. At December 31, 2022, and 2021, the Bank did not have a reserve requirement. ​

Securities

Securities	12 Months Ended
	Dec. 31, 2022
Securities
Securities	4. Securities Investments in securities available-for-sale, held-to-maturity, and equity are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage-backed - US agency and Government Sponsored Enterprise ("GSE") ​ $ 25 ​ $ — ​ $ (1) ​ $ 24 Corporate bonds ​ ​ 21,032 ​ ​ 58 ​ ​ (2,896) ​ ​ 18,194 State and political subdivisions ​ 16,935 ​ 2 ​ (2,105) ​ 14,832 Total securities available-for-sale ​ $ 37,992 ​ $ 60 ​ $ (5,002) ​ $ 33,050 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held-to-maturity: ​ ​ ​ ​ Structured certificates of deposit ​ $ 650 ​ $ — ​ $ (252) ​ $ 398 Residential mortgage-backed - US agency and GSEs ​ ​ 937 ​ ​ 1 ​ ​ (35) ​ ​ 903 Total securities held-to-maturity ​ $ 1,587 ​ $ 1 ​ $ (287) ​ $ 1,301 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities: ​ ​ ​ ​ Large cap equity mutual fund ​ $ 37 ​ ​ ​ $ 37 Other mutual funds ​ 270 ​ ​ ​ 270 Total of equity securities ​ $ 307 ​ ​ ​ $ 307 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ 33 ​ $ 1 ​ $ (1) ​ $ 33 Corporate bonds ​ ​ 18,589 ​ ​ 266 ​ ​ (812) ​ ​ 18,043 State and political subdivisions ​ 18,081 ​ 887 ​ (69) ​ 18,899 Total securities available-for-sale ​ $ 36,703 ​ $ 1,154 ​ $ (882) ​ $ 36,975 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held-to-maturity: ​ ​ ​ ​ Structured certificates of deposit ​ $ 650 ​ $ — ​ $ (79) ​ $ 571 Residential mortgage-backed - US agency and GSEs ​ ​ 1,128 ​ ​ 25 ​ ​ (3) ​ ​ 1,150 Total securities held-to-maturity ​ $ 1,778 ​ $ 25 ​ $ (82) ​ $ 1,721 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities: ​ ​ ​ ​ Large cap equity mutual fund ​ $ 45 ​ ​ ​ $ 45 Other mutual funds ​ 305 ​ ​ ​ 305 Total of equity securities ​ $ 350 ​ ​ ​ $ 350 ​ Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ 12 Months or Less ​ More than 12 Months ​ Total ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ Gross ​ ​ ​ ​ Gross ​ Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: ​ ​ ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ — ​ $ 19 ​ $ (1) ​ $ 19 ​ $ (1) Corporate bonds ​ ​ 7,028 ​ ​ (725) ​ ​ 8,105 ​ ​ (2,171) ​ ​ 15,133 ​ ​ (2,896) State and political subdivisions ​ 10,330 ​ (1,421) ​ 4,133 ​ (684) ​ 14,463 ​ (2,105) Total securities available-for-sale ​ $ 17,358 ​ $ (2,146) ​ $ 12,257 ​ $ (2,856) ​ $ 29,615 ​ $ (5,002) Securities held-to-maturity: ​ ​ ​ ​ ​ ​ Structured certificates of deposit ​ $ — ​ $ — ​ $ 398 ​ $ (252) ​ $ 398 ​ $ (252) Residential mortgage-backed - US agency and GSEs ​ ​ 691 ​ ​ (26) ​ ​ 206 ​ ​ (9) ​ ​ 897 ​ ​ (35) Total securities held-to-maturity ​ $ 691 ​ $ (26) ​ $ 604 ​ $ (261) ​ $ 1,295 ​ $ (287) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ 12 Months or Less ​ More than 12 Months ​ Total ​ ​ ​ ​ Gross ​ ​ ​ Gross ​ ​ ​ Gross ​ Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: ​ ​ ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ — ​ $ 23 ​ $ (1) ​ $ 23 ​ $ (1) Corporate bonds ​ ​ 9,925 ​ ​ (812) ​ ​ — ​ ​ — ​ ​ 9,925 ​ ​ (812) State and political subdivisions ​ 4,774 ​ (69) ​ — ​ — ​ 4,774 ​ (69) Total securities available-for-sale ​ $ 14,699 ​ $ (881) ​ $ 23 ​ $ (1) ​ $ 14,722 ​ $ (882) Securities held-to-maturity: ​ ​ ​ ​ ​ ​ Structured certificates of deposit ​ $ 571 ​ $ (79) ​ $ — ​ $ — ​ $ 571 ​ $ (79) Residential mortgage-backed - US agency and GSEs ​ ​ — ​ ​ — ​ ​ 156 ​ ​ (3) ​ ​ 156 ​ ​ (3) Total securities held-to-maturity ​ $ 571 ​ $ (79) ​ $ 156 ​ $ (3) ​ $ 727 ​ $ (82) ​ The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). Management assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of financial condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not sufficient to recover the entire amortized cost basis. Credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income. Non-credit-related OTTI is based on other factors, including illiquidity. Presentation of OTTI is made in the consolidated statement of operations on a gross basis, including both the portion recognized in earnings as well as the portion recorded in other comprehensive income. Normally, the gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings. All OTTI charges have been credit-related to date, and therefore no offset has been presented on the consolidated statements of income. Nineteen government agency and government sponsored enterprise (“GSE”) residential mortgage-backed security holdings have an unrealized loss as of December 31, 2022. The securities were issued by the Federal National Mortgage Association (“FNMA”), Federal Home Loan Mortgage Corporation (“FHLMC”) and the Government National Mortgage Association (“GNMA”). All of the 19 government-backed securities that have unrealized losses are immaterial, with an average deficiency of $1,900. None of the securities demonstrate a steadily increasing loss ratio and values fluctuate in reaction to the uncertainty of the economy. Principal and interest continue to be received on all securities as anticipated. The Company has the ability and intent to hold the securities through maturity or recovery of its amortized cost basis. With the government guarantees in place, management does not expect losses on these securities. No OTTI is deemed present on these securities. There are 114 bond issues held by the Company that have an unrealized loss at December 31, 2022. The bonds are issued by well-established municipalities and corporate entities with semi-annual interest payments. All interest payments have historically been made timely. The value of the bonds held is closely correlated with long-term rates, and as interest rates increase, the bond values decrease. Within this portfolio are three issued by corporate entities that have an aggregate loss of $1.1 million. These bonds have variable rates and reprice based upon the spread between immediate Treasury bond yields and long-term Treasury bond yields and will respond positively with the steepening of the yield curve. In addition, the credit quality of the bond issuers has also been reviewed with no concerns noted. We anticipate full recovery of our investment over time and have no plans to sell the securities in the near term. None of the securities demonstrate a steadily increasing loss ratio and values fluctuate in reaction to the uncertainty of the economy. Principal and interest continue to be received on all securities as anticipated. The Company has the ability and intent to hold the securities through maturity or recovery of its amortized cost basis. No OTTI is deemed present on these securities. The following is a summary of the amortized cost and estimated fair values of debt securities at December 31, 2022 by remaining term to contractual maturity other than mortgage-backed securities. Actual maturities may differ from these amounts because certain issuers have the right to call or redeem their obligations prior to contractual maturity. The contractual maturities of debt securities generally exceed 20 years; however, the effective average life is expected to be substantially shorter due to anticipated repayments and prepayments. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ Securities ​ Securities ​ Available-for-Sale Held-to-Maturity ​ Amortized Estimated Amortized Estimated (in thousands) Cost Fair Value Cost Fair Value Due in one year or less ​ $ 431 ​ $ 426 ​ $ — ​ $ — Due over one year through five years ​ 3,151 ​ 3,004 ​ — ​ — Due over five through ten years ​ 4,343 ​ 3,593 ​ — ​ — Due after ten years ​ 30,042 ​ 26,003 ​ — ​ — ​ ​ 37,967 ​ 33,026 ​ — ​ — Structured certificates of deposit ​ ​ — ​ ​ — ​ ​ 650 ​ ​ 398 Residential mortgage-backed securities ​ 25 ​ 24 ​ 937 ​ 903 Total ​ $ 37,992 ​ $ 33,050 ​ $ 1,587 ​ $ 1,301 ​ Gross realized gains on sales and redemptions of securities for the years ended December 31 are detailed below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ Realized gains ​ $ — ​ $ 10 ​ ​ $ — ​ $ 10 ​ Gains and losses on the sales of securities are recognized in income when sold, using the specific identification method, on a trade date basis. Securities with a fair value of $10,045,000, and $8,775,000 were pledged to collateralize certain deposit arrangements at December 31, 2022 and 2021.

Loans Receivable

Loans Receivable	12 Months Ended
	Dec. 31, 2022
Loans Receivable
Loans Receivable	5. Loans Receivable Major classifications of loans are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ Originated Loans: ​ ​ Residential mortgages: ​ ​ One- to four-family ​ $ 129,448 ​ $ 102,766 Construction ​ 387 ​ — ​ ​ 129,835 ​ 102,766 Commercial loans: ​ ​ Real estate - nonresidential ​ 15,262 ​ 19,734 Multi-family ​ 854 ​ 456 Commercial business ​ 11,594 ​ 12,366 ​ ​ 27,710 ​ 32,556 Consumer: ​ ​ Home equity and junior liens ​ 11,027 ​ 8,840 Manufactured homes ​ 50,989 ​ 47,717 Automobile ​ 24,339 ​ 22,666 Student ​ 1,803 ​ 2,096 Recreational vehicle ​ ​ 26,909 ​ ​ 29,463 Other consumer ​ 7,125 ​ 5,408 ​ ​ 122,192 ​ 116,190 Total originated loans ​ 279,737 ​ 251,512 Net deferred loan costs ​ 16,274 ​ 15,650 Less allowance for loan losses ​ (2,497) ​ (1,841) Net originated loans ​ $ 293,514 ​ $ 265,321 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Acquired Loans: ​ ​ ​ ​ Residential mortgages: ​ ​ One- to four-family ​ $ 8,553 ​ $ 10,295 ​ ​ 8,553 ​ 10,295 Commercial loans: ​ ​ Real estate - nonresidential ​ 1,419 ​ 1,744 Commercial business ​ 83 ​ 162 ​ ​ 1,502 ​ 1,906 Consumer: ​ ​ Home equity and junior liens ​ 535 ​ 861 Other consumer ​ 47 ​ 84 ​ ​ 582 ​ 945 Total acquired loans ​ 10,637 ​ 13,146 Net deferred loan costs ​ (53) ​ (60) Fair value credit and yield adjustment ​ (218) ​ (287) Net acquired loans ​ $ 10,366 ​ $ 12,799 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Total Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ One- to four-family ​ $ 138,001 ​ $ 113,061 Construction ​ 387 ​ — ​ ​ 138,388 ​ 113,061 Commercial loans: ​ ​ Real estate - nonresidential ​ 16,681 ​ 21,478 Multi-family ​ 854 ​ 456 Commercial business ​ 11,677 ​ 12,528 ​ ​ 29,212 ​ 34,462 Consumer: ​ ​ Home equity and junior liens ​ 11,562 ​ 9,701 Manufactured homes ​ 50,989 ​ 47,717 Automobile ​ 24,339 ​ 22,666 Student ​ 1,803 ​ 2,096 Recreational vehicle ​ ​ 26,909 ​ ​ 29,463 Other consumer ​ 7,172 ​ 5,492 ​ ​ 122,774 ​ 117,135 Total Loans ​ 290,374 ​ 264,658 Net deferred loan costs ​ 16,221 ​ 15,590 Fair value credit and yield adjustment ​ (218) ​ (287) Less allowance for loan losses ​ (2,497) ​ (1,841) Loans receivable, net ​ $ 303,880 ​ $ 278,120 ​ The Company primarily grants residential mortgage, commercial, and consumer loans to customers throughout the Finger Lakes region of New York State, which includes parts of Cayuga, Seneca, and Ontario counties as well as Orleans County. Although the Company has a diversified loan portfolio, a substantial portion of its debtors’ abilities to honor their contracts is dependent upon the counties’ employment and economic conditions. To further diversify the loan portfolio, the Company also purchases loans that have been originated outside of the region. High quality automobile loans, originated in the Northeastern United States, are purchased regularly from a Connecticut based company. In 2019, the Company also began to purchase modular home loans originated throughout the United States from a company who then services the loans. In 2020, the Company began to purchase automobile and recreational vehicle loans originated in New York State. The commercial business category includes Paycheck Protection Program ("PPP") loans that were authorized under the CARES Act. The PPP was implemented by the Small Business Administration ("SBA") with support from the Department of the Treasury and provided small businesses that were negatively impacted by the COVID-19 pandemic with government guaranteed and potentially forgivable loans that could be used to pay from eight up to twenty-four weeks, depending on the date of the loan, of payroll costs including benefits. Funds could also be used to pay interest on mortgages, rent, and utilities. PPP loans originated by the Company have a maturity of two or five years and an interest rate of 1%. In addition, the SBA pays originating lenders processing fees based on the size of the loan, ranging from 1% to 5% of the loan amount. A borrower who meets certain requirements can request loan forgiveness from the SBA. If loan forgiveness is granted, the SBA will forward the forgiveness amount to the lender. Loan Origination / Risk Management The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, non-performing, and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions. The loan portfolio is segregated into risk rating categories based on the borrower’s overall financial condition, repayment sources, guarantors, and value of collateral, if appropriate. The risk ratings are evaluated at least annually for commercial loans unless credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage, or consumer loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful, and loss. Loans classified as loss are considered uncollectible and are charged to the allowance for loan loss. Loans not classified are rated as pass. See further discussion of risk ratings in Note 2. The following table presents the classes of the loan portfolio summarized by the pass rating and the classified ratings of special mention, substandard, and doubtful within the Company’s internal risk rating system: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 125,949 ​ $ 1,066 ​ $ 2,433 ​ $ — ​ $ 129,448 Construction ​ 387 ​ — ​ — ​ — ​ 387 ​ ​ 126,336 ​ 1,066 ​ 2,433 ​ — ​ 129,835 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 12,870 ​ 1,691 ​ 701 ​ — ​ 15,262 Multi-family ​ 854 ​ — ​ — ​ — ​ 854 Commercial business ​ 8,349 ​ 2,529 ​ 716 ​ — ​ 11,594 ​ ​ 22,073 ​ 4,220 ​ 1,417 ​ — ​ 27,710 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 10,891 ​ 14 ​ 122 ​ — ​ 11,027 Manufactured homes ​ 50,297 ​ 324 ​ 368 ​ — ​ 50,989 Automobile ​ 24,188 ​ 130 ​ 21 ​ — ​ 24,339 Student ​ 1,735 ​ — ​ 68 ​ — ​ 1,803 Recreational vehicle ​ ​ 26,445 ​ ​ 329 ​ ​ 135 ​ ​ — ​ ​ 26,909 Other consumer ​ 7,004 ​ 121 ​ — ​ — ​ 7,125 ​ ​ 120,560 ​ 918 ​ 714 ​ — ​ 122,192 Total originated loans ​ $ 268,969 ​ $ 6,204 ​ $ 4,564 ​ $ — ​ $ 279,737 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 8,335 ​ $ 45 ​ $ 173 ​ $ — ​ $ 8,553 ​ ​ 8,335 ​ 45 ​ 173 ​ — ​ 8,553 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 1,419 ​ — ​ — ​ — ​ 1,419 Commercial business ​ 83 ​ — ​ — ​ — ​ 83 ​ ​ 1,502 ​ — ​ — ​ — ​ 1,502 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 485 ​ — ​ 50 ​ — ​ 535 Other consumer ​ 47 ​ — ​ — ​ — ​ 47 ​ ​ 532 ​ — ​ 50 ​ — ​ 582 Total acquired loans ​ $ 10,369 ​ $ 45 ​ $ 223 ​ $ — ​ $ 10,637 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Total Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 134,284 ​ $ 1,111 ​ $ 2,606 ​ $ — ​ $ 138,001 Construction ​ 387 ​ — ​ — ​ — ​ 387 ​ ​ 134,671 ​ 1,111 ​ 2,606 ​ — ​ 138,388 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 14,289 ​ 1,691 ​ 701 ​ — ​ 16,681 Multi-family ​ 854 ​ — ​ — ​ — ​ 854 Commercial business ​ 8,432 ​ 2,529 ​ 716 ​ — ​ 11,677 ​ ​ 23,575 ​ 4,220 ​ 1,417 ​ — ​ 29,212 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 11,376 ​ 14 ​ 172 ​ — ​ 11,562 Manufactured homes ​ 50,297 ​ 324 ​ 368 ​ — ​ 50,989 Automobile ​ 24,188 ​ 130 ​ 21 ​ — ​ 24,339 Student ​ 1,735 ​ — ​ 68 ​ — ​ 1,803 Recreational vehicle ​ ​ 26,445 ​ ​ 329 ​ ​ 135 ​ ​ — ​ ​ 26,909 Other consumer ​ 7,051 ​ 121 ​ — ​ — ​ 7,172 ​ ​ 121,092 ​ 918 ​ 764 ​ — ​ 122,774 Total loans ​ $ 279,338 ​ $ 6,249 ​ $ 4,787 ​ $ — ​ $ 290,374 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 99,294 ​ $ 1,110 ​ $ 2,362 ​ $ — ​ $ 102,766 ​ ​ 99,294 ​ 1,110 ​ 2,362 ​ — ​ 102,766 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 14,464 ​ 3,045 ​ 2,225 ​ — ​ 19,734 Multi-family ​ 456 ​ — ​ — ​ — ​ 456 Commercial business ​ 10,256 ​ 1,112 ​ 998 ​ — ​ 12,366 ​ ​ 25,176 ​ 4,157 ​ 3,223 ​ — ​ 32,556 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 8,753 ​ 41 ​ 46 ​ — ​ 8,840 Manufactured homes ​ 47,717 ​ — ​ — ​ — ​ 47,717 Automobile ​ 22,558 ​ 64 ​ 44 ​ — ​ 22,666 Student ​ 2,096 ​ — ​ — ​ — ​ 2,096 Recreational vehicle ​ ​ 29,424 ​ ​ 39 ​ ​ — ​ ​ — ​ ​ 29,463 Other consumer ​ 5,376 ​ 32 ​ — ​ — ​ 5,408 ​ ​ 115,924 ​ 176 ​ 90 ​ — ​ 116,190 Total originated loans ​ $ 240,394 ​ $ 5,443 ​ $ 5,675 ​ $ — ​ $ 251,512 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 10,038 ​ $ 42 ​ $ 215 ​ $ — ​ $ 10,295 ​ ​ 10,038 ​ 42 ​ 215 ​ — ​ 10,295 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 1,744 ​ — ​ — ​ — ​ 1,744 Commercial business ​ 162 ​ — ​ — ​ — ​ 162 ​ ​ 1,906 ​ — ​ — ​ — ​ 1,906 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 841 ​ — ​ 20 ​ — ​ 861 Other consumer ​ 84 ​ — ​ — ​ — ​ 84 ​ ​ 925 ​ — ​ 20 ​ — ​ 945 Total acquired loans ​ $ 12,869 ​ $ 42 ​ $ 235 ​ $ — ​ $ 13,146 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Total Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 109,332 ​ $ 1,152 ​ $ 2,577 ​ $ — ​ $ 113,061 ​ ​ 109,332 ​ 1,152 ​ 2,577 ​ — ​ 113,061 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 16,208 ​ 3,045 ​ 2,225 ​ — ​ 21,478 Multi-family ​ 456 ​ — ​ — ​ — ​ 456 Commercial business ​ 10,418 ​ 1,112 ​ 998 ​ — ​ 12,528 ​ ​ 27,082 ​ 4,157 ​ 3,223 ​ — ​ 34,462 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 9,594 ​ 41 ​ 66 ​ — ​ 9,701 Manufactured homes ​ 47,717 ​ — ​ — ​ — ​ 47,717 Automobile ​ 22,558 ​ 64 ​ 44 ​ — ​ 22,666 Student ​ 2,096 ​ — ​ — ​ — ​ 2,096 Recreational vehicle ​ ​ 29,424 ​ ​ 39 ​ ​ — ​ ​ — ​ ​ 29,463 Other consumer ​ 5,460 ​ 32 ​ — ​ — ​ 5,492 ​ ​ 116,849 ​ 176 ​ 110 ​ — ​ 117,135 Total loans ​ $ 253,263 ​ $ 5,485 ​ $ 5,910 ​ $ — ​ $ 264,658 ​ Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. Non-accrual and Past Due Loans Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on non-accrual status, unpaid interest is reversed and charged to interest income. Interest received on non-accrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six When future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a non-accrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to allowance for loan losses until prior charge-offs have been fully recovered. An age analysis of past due loans, segregated by class of loans are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days 60-89 Days or More Total Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 2,967 ​ $ 1,158 ​ $ 2,432 ​ $ 6,557 ​ $ 122,891 ​ $ 129,448 Construction ​ — ​ — ​ — ​ — ​ 387 ​ 387 ​ ​ 2,967 ​ 1,158 ​ 2,432 ​ 6,557 ​ 123,278 ​ 129,835 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 254 ​ — ​ 416 ​ 670 ​ 14,592 ​ 15,262 Multi-family ​ — ​ — ​ — ​ — ​ 854 ​ 854 Commercial business ​ 129 ​ — ​ 158 ​ 287 ​ 11,307 ​ 11,594 ​ ​ 383 ​ — ​ 574 ​ 957 ​ 26,753 ​ 27,710 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 193 ​ 85 ​ 122 ​ 400 ​ 10,627 ​ 11,027 Manufactured homes ​ 696 ​ 324 ​ 368 ​ 1,388 ​ 49,601 ​ 50,989 Automobile ​ 402 ​ 130 ​ 21 ​ 553 ​ 23,786 ​ 24,339 Student ​ — ​ — ​ 68 ​ 68 ​ 1,735 ​ 1,803 Recreational vehicle ​ ​ 1,005 ​ ​ 329 ​ ​ 135 ​ ​ 1,469 ​ ​ 25,440 ​ ​ 26,909 Other consumer ​ 95 ​ 122 ​ — ​ 217 ​ 6,908 ​ 7,125 ​ ​ 2,391 ​ 990 ​ 714 ​ 4,095 ​ 118,097 ​ 122,192 Total originated loans ​ $ 5,741 ​ $ 2,148 ​ $ 3,720 ​ $ 11,609 ​ $ 268,128 ​ $ 279,737 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 268 ​ $ 103 ​ $ 173 ​ $ 544 ​ $ 8,009 ​ $ 8,553 ​ ​ 268 ​ 103 ​ 173 ​ 544 ​ 8,009 ​ 8,553 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ — ​ — ​ — ​ — ​ 1,419 ​ 1,419 Commercial business ​ — ​ — ​ — ​ — ​ 83 ​ 83 ​ ​ — ​ — ​ — ​ — ​ 1,502 ​ 1,502 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ — ​ — ​ 50 ​ 50 ​ 485 ​ 535 Other consumer ​ 8 ​ — ​ — ​ 8 ​ 39 ​ 47 ​ ​ 8 ​ — ​ 50 ​ 58 ​ 524 ​ 582 Total acquired loans ​ $ 276 ​ $ 103 ​ $ 223 ​ $ 602 ​ $ 10,035 ​ $ 10,637 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 3,235 ​ $ 1,261 ​ $ 2,605 ​ $ 7,101 ​ $ 130,900 ​ $ 138,001 Construction ​ — ​ — ​ — ​ — ​ 387 ​ 387 ​ ​ 3,235 ​ 1,261 ​ 2,605 ​ 7,101 ​ 131,287 ​ 138,388 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 254 ​ — ​ 416 ​ 670 ​ 16,011 ​ 16,681 Multi-family ​ — ​ — ​ — ​ — ​ 854 ​ 854 Commercial business ​ 129 ​ — ​ 158 ​ 287 ​ 11,390 ​ 11,677 ​ ​ 383 ​ — ​ 574 ​ 957 ​ 28,255 ​ 29,212 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 193 ​ 85 ​ 172 ​ 450 ​ 11,112 ​ 11,562 Manufactured homes ​ 696 ​ 324 ​ 368 ​ 1,388 ​ 49,601 ​ 50,989 Automobile ​ 402 ​ 130 ​ 21 ​ 553 ​ 23,786 ​ 24,339 Student ​ — ​ — ​ 68 ​ 68 ​ 1,735 ​ 1,803 Recreational vehicle ​ ​ 1,005 ​ ​ 329 ​ ​ 135 ​ ​ 1,469 ​ ​ 25,440 ​ ​ 26,909 Other consumer ​ 103 ​ 122 ​ — ​ 225 ​ 6,947 ​ 7,172 ​ ​ 2,399 ​ 990 ​ 764 ​ 4,153 ​ 118,621 ​ 122,774 Total loans ​ $ 6,017 ​ $ 2,251 ​ $ 3,943 ​ $ 12,211 ​ $ 278,163 ​ $ 290,374 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days 60-89 Days or More Total Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 3,137 ​ $ 757 ​ $ 2,362 ​ $ 6,256 ​ $ 96,510 ​ $ 102,766 ​ ​ 3,137 ​ 757 ​ 2,362 ​ 6,256 ​ 96,510 ​ 102,766 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 389 ​ — ​ 416 ​ 805 ​ 18,929 ​ 19,734 Multi-family ​ — ​ — ​ — ​ — ​ 456 ​ 456 Commercial business ​ — ​ 8 ​ 161 ​ 169 ​ 12,197 ​ 12,366 ​ ​ 389 ​ 8 ​ 577 ​ 974 ​ 31,582 ​ 32,556 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 149 ​ 31 ​ 46 ​ 226 ​ 8,614 ​ 8,840 Manufactured homes ​ 922 ​ 615 ​ — ​ 1,537 ​ 46,180 ​ 47,717 Automobile ​ 168 ​ 64 ​ 44 ​ 276 ​ 22,390 ​ 22,666 Student ​ 95 ​ — ​ — ​ 95 ​ 2,001 ​ 2,096 Recreational vehicle ​ ​ 605 ​ ​ 39 ​ ​ — ​ ​ 644 ​ ​ 28,819 ​ ​ 29,463 Other consumer ​ 75 ​ 32 ​ — ​ 107 ​ 5,301 ​ 5,408 ​ ​ 2,014 ​ 781 ​ 90 ​ 2,885 ​ 113,305 ​ 116,190 Total originated loans ​ $ 5,540 ​ $ 1,546 ​ $ 3,029 ​ $ 10,115 ​ $ 241,397 ​ $ 251,512 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 318 ​ $ 68 ​ $ 215 ​ $ 601 ​ $ 9,694 ​ $ 10,295 ​ ​ 318 ​ 68 ​ 215 ​ 601 ​ 9,694 ​ 10,295 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ — ​ — ​ — ​ — ​ 1,744 ​ 1,744 Commercial business ​ 27 ​ — ​ — ​ 27 ​ 135 ​ 162 ​ ​ 27 ​ — ​ — ​ 27 ​ 1,879 ​ 1,906 ​ ​ ​ ​ ​ ​ ​ Consumer loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ — ​ — ​ 20 ​ 20 ​ 841 ​ 861 Other consumer ​ — ​ — ​ — ​ — ​ 84 ​ 84 ​ ​ ​ — ​ ​ — ​ ​ 20 ​ ​ 20 ​ ​ 925 ​ ​ 945 Total acquired loans ​ $ 345 ​ $ 68 ​ $ 235 ​ $ 648 ​ $ 12,498 ​ $ 13,146 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 3,455 ​ $ 825 ​ $ 2,577 ​ $ 6,857 ​ $ 106,204 ​ $ 113,061 ​ ​ 3,455 ​ 825 ​ 2,577 ​ 6,857 ​ 106,204 ​ 113,061 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 389 ​ — ​ 416 ​ 805 ​ 20,673 ​ 21,478 Multi-family ​ — ​ — ​ — ​ — ​ 456 ​ 456 Commercial business ​ 27 ​ 8 ​ 161 ​ 196 ​ 12,332 ​ 12,528 ​ ​ 416 ​ 8 ​ 577 ​ 1,001 ​ 33,461 ​ 34,462 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 149 ​ 31 ​ 66 ​ 246 ​ 9,455 ​ 9,701 Manufactured homes ​ 922 ​ 615 ​ — ​ 1,537 ​ 46,180 ​ 47,717 Automobile ​ 168 ​ 64 ​ 44 ​ 276 ​ 22,390 ​ 22,666 Student ​ 95 ​ — ​ — ​ 95 ​ 2,001 ​ 2,096 Recreational vehicle ​ ​ 605 ​ ​ 39 ​ ​ — ​ ​ 644 ​ ​ 28,819 ​ ​ 29,463 Other consumer ​ 75 ​ 32 ​ — ​ 107 ​ 5,385 ​ 5,492 ​ ​ 2,014 ​ 781 ​ 110 ​ 2,905 ​ 114,230 ​ 117,135 Total loans ​ $ 5,885 ​ $ 1,614 ​ $ 3,264 ​ $ 10,763 ​ $ 253,895 ​ $ 264,658 ​ Non-accrual loans, segregated by class of loan, were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, ​ (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ One- to four-family ​ $ 2,605 ​ $ 2,577 ​ ​ ​ 2,605 ​ 2,577 ​ Commercial loans: ​ ​ ​ Real estate - nonresidential ​ 416 ​ 416 ​ Commercial business ​ 587 ​ 161 ​ ​ ​ 1,003 ​ 577 ​ Consumer loans: ​ ​ ​ Home equity and junior liens ​ 172 ​ 66 ​ Manufactured homes ​ 368 ​ — ​ Automobile ​ 21 ​ 44 ​ Student ​ 68 ​ — ​ Recreational vehicle ​ ​ 135 ​ ​ — ​ ​ ​ 764 ​ 110 ​ Total non-accrual loans ​ $ 4,372 ​ $ 3,264 ​ ​ There were no loans past due more than ninety days and still accruing interest at December 31, 2022 and 2021. Troubled Debt Restructurings The Company is required to disclose certain activities related to Troubled Debt Restructurings (“TDR”) in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that the Company would not otherwise consider for a new loan with similar risk characteristics. The recorded investment for each TDR loan is determined by the outstanding balance less the allowance associated with the loan. There were no loans that had been modified as a TDR during the year ended December 31, 2022 and there were seven loans that were modified as a TDR during the year ended December 31, 2021. During the years ended December 31, 2022 and 2021, there were no defaults on TDRs that were modified within the twelve months prior to the default date. A default for these purposes is defined as a loan that reaches 90 days past due. The table below details the loans that have been modified as a troubled debt restructuring for the year ended December 31, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Post- ​ ​ ​ ​ ​ ​ ​ ​ Pre-Modification ​ ​ Modification ​ ​ Current ​ ​ ​ ​ ​ Outstanding ​ ​ Outstanding ​ ​ Outstanding ​ ​ Number of ​ ​ Recorded ​ ​ Recorded ​ ​ Recorded ​ ​ Contracts ​ ​ Investment ​ ​ Investment ​ ​ Investment One- to four-family residential mortgages ​ 4 ​ $ 336 ​ $ 336 ​ $ — Commercial business ​ 3 ​ ​ 46 ​ ​ 46 ​ ​ — ​ The TDR loans that were modified during the year ended December 31, 2021 were paid off during the three months ended June 30, 2022. At December 31, 2022, the Company had seven TDR loans, with an outstanding balance of $2.5 million, in the portfolio that had been modified by making concessions to maturity dates and, in some cases, lowering the interest rate from the original contract. Each modification was done to alleviate the borrowers’ financial difficulties and keep the collateral from repossession when the borrower met the eligibility criteria. There was one TDR totaling $7,000 in non-accrual status due to delinquency greater than 90 days. All other TDR loans continue to accrue interest. At December 31, 2021, the Company had 15 loans with an outstanding balance of $3.0 million in the portfolio. Impaired Loans A loan is considered impaired when based on current information and events it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower including the length of the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. The following table summarizes impaired loans information by portfolio class: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ ​ Recorded ​ Principal ​ Related (In thousands) Investment Balance Allowance ​ ​ ​ ​ ​ ​ ​ With no related allowance recorded: ​ ​ ​ One- to four-family residential mortgages ​ $ 2,560 ​ $ 2,641 ​ $ — Commercial real estate - nonresidential ​ 701 ​ 801 ​ — Commercial business ​ 717 ​ 729 ​ — Home equity and junior liens ​ 181 ​ 191 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ One- to four-family residential mortgages ​ 2,560 ​ 2,641 ​ — Commercial real estate - nonresidential ​ 701 ​ 801 ​ — Commercial business ​ 717 ​ 729 ​ — Home equity and junior liens ​ 181 ​ 191 ​ — ​ ​ $ 4,159 ​ $ 4,362 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related (In thousands) Investment Balance Allowance With no related allowance recorded: ​ ​ ​ ​ ​ ​ One- to four-family residential mortgages ​ $ 2,352 ​ $ 2,423 ​ $ — Commercial real estate - nonresidential ​ 416 ​ 516 ​ — Commercial business ​ 73 ​ 73 ​ — Home equity and junior liens ​ 67 ​ 67 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With an allowance recorded: ​ ​ ​ One- to four-family residential mortgages ​ 224 ​ 224 ​ 7 Commercial business ​ 55 ​ 55 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ One- to four-family residential mortgages ​ 2,576 ​ 2,647 ​ 7 Commercial real estate - nonresidential ​ 416 ​ 516 ​ — Commercial business ​ 128 ​ 128 ​ 12 Home equity and junior liens ​ 67 ​ 67 ​ — ​ ​ $ 3,187 ​ $ 3,358 ​ $ 19 ​ The following table represents the average recorded investment in impaired loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 ​ 2021 ​ ​ One- to four-family residential mortgages ​ $ 2,562 ​ $ 2,607 Commercial real estate - nonresidential ​ 708 ​ 416 Commercial business ​ 764 ​ 130 Home equity and junior liens ​ 181 ​ 71 ​ ​ $ 4,215 ​ $ 3,224 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ One- to four-family residential mortgages ​ $ 63 ​ $ 78 Commercial real estate - nonresidential ​ 16 ​ 1 Commercial business ​ ​ 33 ​ ​ 1 Home equity and junior liens ​ ​ 3 ​ ​ 2 ​ ​ $ 115 ​ $ 82 ​

Servicing

Servicing	12 Months Ended
	Dec. 31, 2022
Servicing
Servicing	6. Servicing At December 31, 2022 and 2021 one- to four-family residential mortgage loans serviced for others amounted to approximately $9.9 million and $11.9 million, respectively. These loans are not included in the accompanying consolidated statements of financial condition. A portion of the serviced loan portfolio, with outstanding balances totaling $8.3 million and $10.3 million at December 31, 2022 and 2021, was sold with limited recourse provisions. See Note 18 for further information. The balance of capitalized servicing rights included in other assets at December 31, 2022 and 2021, was $14,000 and $17,000, respectively. Annual amortization of servicing rights is immaterial. ​

Allowance for Loan Loss

Allowance for Loan Loss	12 Months Ended
	Dec. 31, 2022
Allowance for Loan Loss
Allowance for Loan Loss	7. Allowance for Loan Loss Changes in the allowance for loan losses and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at and for the years ended December 31 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2022 ​ ​ One- to four- ​ Construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family ​ residential ​ Real estate ​ ​ ​ Construction ​ Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 688 ​ $ — ​ $ 630 $ 2 ​ $ — ​ $ 161 Charge-offs ​ (37) ​ — ​ — ​ — ​ — ​ (14) Recoveries ​ 18 ​ — ​ — ​ — ​ — ​ 2 Provision (credit) for loan losses ​ 118 ​ 2 ​ (311) ​ 2 ​ — ​ 99 Ending balance ​ $ 787 ​ $ 2 ​ $ 319 $ 4 ​ $ — ​ $ 248 Ending balance: related to loans individually evaluated for impairment ​ $ — ​ $ — ​ $ — $ — ​ $ — ​ $ — Ending balance: related to loans collectively evaluated for impairment ​ $ 787 ​ $ 2 ​ $ 319 $ 4 ​ $ — ​ $ 248 Loans receivable: ​ ​ ​ ​ ​ ​ Ending balance ​ $ 138,001 ​ $ 387 ​ $ 16,681 $ 854 ​ $ — ​ $ 11,677 Ending balance: individually evaluated for impairment ​ $ 2,560 ​ $ — ​ $ 701 $ — ​ $ — ​ $ 717 Ending balance: collectively evaluated for impairment ​ $ 135,441 ​ $ 387 ​ $ 15,980 $ 854 ​ $ — ​ $ 10,960 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2022 (cont'd) ​ ​ Home equity ​ Manufactured ​ ​ ​ ​ ​ ​ ​ Recreational ​ Other ​ ​ ​ ​ ​ ​ (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 39 ​ $ 102 ​ $ 107 ​ $ 64 ​ $ — ​ $ 48 ​ $ — ​ $ 1,841 Charge-offs ​ (10) ​ — ​ (59) ​ (29) ​ (1) ​ (2) ​ — ​ (152) Recoveries ​ — ​ — ​ 149 ​ 3 ​ 1 ​ 4 ​ — ​ 177 Provision (credit) for loan losses ​ 36 ​ 8 ​ (62) ​ 17 ​ 646 ​ 76 ​ — ​ 631 Ending balance ​ $ 65 ​ $ 110 ​ $ 135 ​ $ 55 ​ $ 646 ​ $ 126 ​ $ — ​ $ 2,497 Ending balance: related to loans individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Ending balance: related to loans collectively evaluated for impairment ​ $ 65 ​ $ 110 ​ $ 135 ​ $ 55 ​ $ 646 ​ $ 126 ​ $ — ​ $ 2,497 Loans receivable: ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 11,562 ​ $ 50,989 ​ $ 24,339 ​ $ 1,803 ​ $ 26,909 ​ $ 7,172 ​ $ — ​ $ 290,374 Ending balance: individually evaluated for impairment ​ $ 181 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 4,159 Ending balance: collectively evaluated for impairment ​ $ 11,381 ​ $ 50,989 ​ $ 24,339 ​ $ 1,803 ​ $ 26,909 ​ $ 7,172 ​ $ — ​ $ 286,215 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2021 ​ ​ One- to four- ​ Construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family residential Real estate ​ Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 457 ​ $ — ​ $ 319 $ 26 ​ $ — ​ $ 617 Charge-offs ​ (117) ​ — ​ (386) ​ — ​ — ​ (84) Recoveries ​ 28 ​ — ​ 16 ​ 12 ​ — ​ 7 Provision (credit) for loan losses ​ 320 ​ — ​ 681 ​ (36) ​ — ​ (379) Ending balance ​ $ 688 ​ $ — ​ $ 630 $ 2 ​ $ — ​ $ 161 Ending balance: related to loans individually evaluated for impairment ​ $ 7 ​ $ — ​ $ — $ — ​ $ — ​ $ 12 Ending balance: related to loans collectively evaluated for impairment ​ $ 681 ​ $ — ​ $ 630 $ 2 ​ $ — ​ $ 149 Loans receivable: ​ ​ ​ ​ ​ ​ Ending balance ​ $ 113,061 ​ $ — ​ $ 21,478 $ 456 ​ $ — ​ $ 12,528 Ending balance: individually evaluated for impairment ​ $ 2,576 ​ $ — ​ $ 416 $ — ​ $ — ​ $ 128 Ending balance: collectively evaluated for impairment ​ $ 110,485 ​ $ — ​ $ 21,062 $ 456 ​ $ — ​ $ 12,400 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2021 (cont'd) ​ ​ Home equity ​ Manufactured ​ ​ ​ ​ ​ ​ ​ Recreational ​ Other ​ ​ ​ ​ ​ ​ (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 46 ​ $ 76 ​ $ 127 ​ $ 69 ​ $ — ​ $ 84 ​ $ — ​ $ 1,821 Charge-offs ​ (2) ​ — ​ (12) ​ — ​ (1) ​ (45) ​ — ​ (647) Recoveries ​ — ​ — ​ 48 ​ 3 ​ 8 ​ 5 ​ — ​ 127 Provision (credit) for loan losses ​ (5) ​ 26 ​ (56) ​ (8) ​ (7) ​ 4 ​ — ​ 540 Ending balance ​ $ 39 ​ $ 102 ​ $ 107 ​ $ 64 ​ $ — ​ $ 48 ​ $ — ​ $ 1,841 Ending balance: related to loans individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 19 Ending balance: related to loans collectively evaluated for impairment ​ $ 39 ​ $ 102 ​ $ 107 ​ $ 64 ​ $ — ​ $ 48 ​ $ — ​ $ 1,822 Loans receivable: ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 9,701 ​ $ 47,717 ​ $ 22,666 ​ $ 2,096 ​ $ 29,463 ​ $ 5,492 ​ $ — ​ $ 264,658 Ending balance: individually evaluated for impairment ​ $ 67 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 3,187 Ending balance: collectively evaluated for impairment ​ $ 9,634 ​ $ 47,717 ​ $ 22,666 ​ $ 2,096 ​ $ 29,463 ​ $ 5,492 ​ $ — ​ $ 261,471 ​

Federal Home Loan Bank of New Y

Federal Home Loan Bank of New York Stock	12 Months Ended
	Dec. 31, 2022
Federal Home Loan Bank of New York Stock
Federal Home Loan Bank of New York Stock	8. Federal Home Loan Bank of New York Stock The Bank is required to maintain an investment in the stock of the Federal Home Loan Bank of New York (“FHLB”) in an amount equal to at least 1% of the unpaid principal balances of the Bank’s residential mortgage loans or 1/20

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2022
Premises and Equipment
Premises and Equipment	9. Premises and Equipment A summary of the cost and accumulated depreciation of premises and equipment is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Premises: ​ ​ ​ ​ Land ​ $ 3,867 ​ $ 3,867 Buildings and improvements ​ 18,265 ​ 18,049 Equipment ​ 7,493 ​ 7,256 Construction in progress ​ 39 ​ 31 ​ ​ 29,664 ​ 29,203 Less: Accumulated depreciation ​ 14,801 ​ 13,858 ​ ​ $ 14,863 ​ $ 15,345 ​

Intangible Assets and Goodwill

Intangible Assets and Goodwill	12 Months Ended
	Dec. 31, 2022
Intangible Assets and Goodwill
Intangible Assets and Goodwill	​ ​ ​ ​ ​ ​ 10. Intangible Assets and Goodwill Intangible assets and goodwill are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Accumulated ​ Net (in thousands) Amount Amortization Value Amortized intangible assets: ​ ​ ​ Non-compete agreements ​ $ 5 ​ $ (4) ​ $ 1 Core deposit intangible ​ 964 ​ (247) ​ 717 Goodwill ​ 792 ​ — ​ 792 ​ ​ $ 1,761 ​ $ (251) ​ $ 1,510 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ Gross ​ ​ ​ ​ ​ ​ ​ Carrying ​ Accumulated ​ Net (in thousands) Amount Amortization Value Amortized intangible assets: ​ ​ ​ Non-compete agreements ​ $ 5 ​ $ (4) ​ $ 1 Core deposit intangible ​ 964 ​ (182) ​ 782 Goodwill ​ 792 ​ — ​ 792 ​ ​ $ 1,761 ​ $ (186) ​ $ 1,575 ​ On December 28, 2016, the Company purchased the John G. Sweeney Agency, Inc. The acquisition of this insurance agency included both the purchase of all issued and outstanding common stock of the corporation and a non-compete agreement. Upon the acquisition of the agency, the corporation was dissolved and the value remitted for the purchase of said common shares was recorded as goodwill of $465,000, having no tangible assets associated with the transaction. In consideration for a non-compete covenant covering seven On September 29, 2018, the Company merged Medina Savings and Loan Association (“MSL”) into Generations Bank. The transaction was structured as a merger with a mutual entity. The consideration paid represents the appraised value of MSL. 171,440 shares of Company stock was issued to the Mutual Holding Company based on the market price per share of the Company as of the date of the merger. The assets and liabilities of MSL were marked to fair value as of the date of the merger. The fair value of the Core Deposit Intangible (“CDI”), was determined using such factors as deposit mix, interest costs, fee income generated, and servicing costs. It is the economic benefit that a holder of deposits could expect to realize from the deposit base versus using an alternative source of funds. The CDI valuation employed a discounted cash flow analysis to determine the fair value of the acquired core deposits to fund operations, versus using comparable term (i.e. term to maturity) wholesale borrowings. As of the valuation date, the intangible value of MSL’s core deposits was, in aggregate, $964,000 on a pre-tax basis, equal to 2.50% of the acquired core deposits. The fair value calculations include the present value of tax benefits assuming the intangible asset is amortized on a straight-line basis over 15 years with an effective tax rate of 21%. Amortization expense for the core intangible asset for the year ended December 31, 2022 was $64,000, as well as the estimated aggregate amortization expense for each of the five succeeding years is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortization For Years Ended December 31, Expense (In thousands) ​ ​ ​ 2023 ​ $ 64 2024 ​ 64 2025 ​ 64 2026 ​ 64 2027 ​ 64 ​ ​ $ 320 ​ Goodwill previously recorded is being amortized for federal and state income tax purposes. There were no impairment losses on intangible assets or goodwill for the years ended December 31, 2022 and 2021.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits
Deposits	11. Deposits Deposits, by deposit type, are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) ​ 2022 ​ 2021 Checking accounts, non-interest bearing ​ $ 54,609 ​ $ 57,540 Checking accounts, interest-bearing ​ 38,137 ​ 37,169 Money market accounts ​ 26,456 ​ 31,333 Savings accounts ​ 92,643 ​ 110,272 Time deposits ​ 105,833 ​ 75,735 ​ ​ $ 317,678 ​ $ 312,049 ​ We participate in reciprocal deposit services for our customers through the CDARS and Insured Cash Sweep networks. Included in time deposits in the above table are $33.0 million and $19.0 million in these reciprocal deposits as of December 31, 2022 and 2021, respectively. All brokered time deposits had balances less than $250,000. Early withdrawal of these deposits is not permitted. ​ Scheduled maturities of time deposits, including those that were obtained through the third party broker, are summarized as follows: ​ ​ ​ ​ ​ ​ ​ (In thousands) ​ At December 31, 2022 ​ ​ ​ 2023 ​ $ 89,200 2024 ​ 8,571 2025 ​ 6,442 2026 ​ 719 2027 ​ 676 Thereafter ​ 225 ​ ​ $ 105,833 ​ T ​ ​ The aggregate amount of time deposits with balances equal to or greater than $250,000 was $29,087,000 and $24,164,000 at December 31, 2022 and 2021, respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2022
Borrowings
Borrowings	12. Borrowings The composition of borrowings is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Short-term: ​ ​ ​ ​ ​ ​ FHLB Advances ​ $ 16,200 ​ $ — Long-term: ​ ​ FHLB fixed-rate term advances ​ $ 2,281 ​ $ 3,300 FHLB fixed-rate amortizing advances ​ 8,053 ​ 14,460 Total long-term borrowings ​ $ 10,334 ​ $ 17,760 ​ The principal balances and interest rates of the above fixed-rate borrowings are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 (In thousands) ​ Principal ​ Rates Short-term: ​ ​ FHLB advances ​ $ 16,200 ​ 3.96%-4.75 % Long-term: ​ ​ FHLB fixed-rate term advances ​ $ 2,281 ​ 0.00%-2.48 % FHLB fixed-rate amortizing advances ​ 8,053 ​ 0.96%-3.03 % Total long-term borrowings ​ $ 10,334 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 (In thousands) Principal Rates Long-term: ​ ​ FHLB fixed-rate term advances ​ $ 3,300 1.45%-2.48 % FHLB fixed-rate amortizing advances ​ 14,460 0.96%-3.03 % Total long-term borrowings ​ $ 17,760 ​ ​ The maturities of long-term borrowings are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Long-term: ​ ​ ​ Due within 1 year ​ $ 2,844 ​ $ 6,457 Due within 2 years ​ 3,935 ​ 3,153 Due within 3 years ​ 1,145 ​ 5,250 Due within 4 years ​ 1,818 ​ 1,375 Due within 5 years ​ 462 ​ 932 Thereafter ​ 130 ​ 593 Total long-term borrowings ​ $ 10,334 ​ $ 17,760 ​ The Bank had $62.3 million borrowing availability with the FHLB at December 31, 2022. The Bank’s aggregate unused FHLB borrowing capacity was approximately $41.5 million at December 31, 2022. FHLB borrowings are secured by the Bank’s investment in FHLB stock and by a blanket security agreement. This agreement requires the Bank to maintain as collateral certain qualifying assets (principally FHLB stock and residential mortgage loans) not otherwise pledged, with a fair value (as defined) at least equal to 120% of outstanding advances, or $31.8 million and $21.3 million at December 31, 2022 and 2021. Residential mortgage loans with a carrying value of $91.6 million and $65.9 million at December 31, 2022 and 2021 and FHLB stock with a carrying value of $1.7 million and $1.5 million at December 31, 2022 and 2021 have been pledged by the Company under the blanket collateral agreement to secure the Company’s borrowings. Additional borrowings are available to the Bank upon delivery of investment securities and/or loans secured by non-residential property. The Bank has a $10.0 million unsecured line of credit with a correspondent bank. The Bank also has an additional unsecured fed funds line of credit for $5.5 million. At December 31, 2022 and 2021 there were no outstanding advances on these lines.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes
Income Taxes	13. Income Taxes The Company’s income tax expense (benefit) included in the consolidated statements of income is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 Current tax expense (benefit): ​ ​ Federal ​ $ (15) ​ $ 21 State ​ 31 ​ 78 Total current tax expense ​ 16 ​ 99 Deferred tax expense: ​ ​ Federal ​ 200 ​ 184 Total deferred tax expense ​ 200 ​ 184 Expense for income taxes ​ $ 216 ​ $ 283 ​ The Company files consolidated Federal income and New York State franchise tax returns on a calendar year basis. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are recorded in either other assets or other liabilities on the consolidated statements of financial condition and are as follows as of December 31: ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Assets: ​ ​ ​ ​ ​ ​ Deferred compensation ​ $ 213 ​ $ 227 Allowance for loan losses ​ 570 ​ 447 Net operating loss carryforward ​ 720 ​ 859 Investment securities, unrealized losses ​ ​ 1,000 ​ ​ — Nonaccrual interest ​ 62 ​ 46 Equity incentive plan ​ ​ 17 ​ ​ — Other ​ 101 ​ 101 ​ ​ 2,683 ​ 1,680 Liabilities: ​ ​ Pension ​ (2,246) ​ (2,332) Intangible assets ​ (198) ​ (210) Investment securities, unrealized gains ​ — ​ (105) Mortgage servicing rights ​ (3) ​ (3) Depreciation ​ (89) ​ (143) Other ​ (3) ​ (5) ​ ​ (2,539) ​ (2,798) Net deferred tax asset (liability) ​ $ 144 ​ $ (1,118) ​ Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the carry back period. A valuation allowance is provided when it is more likely than not that some portion, or all of the deferred tax assets, will not be realized. In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income, and the projected future level of taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible. The judgment about the level of future taxable income is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. At December 31, 2022, Generations Bancorp had pre-2018 net operating loss carryforwards of approximately $1.0 million which expire in years 2027-2037. Additionally, Generations Bancorp has loss carryforwards of $2.5 million with no expiration period. Our federal and state tax returns are statutorily subject to potential audit for the years 2019 through 2022. No income tax returns are under audit as of December 31, 2022. ​ A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, ​ 2022 2021 ​ ​ ​ ​ ​ Federal statutory income tax rate 21.0 % 21.0 % State tax, net of federal benefit 4.0 % 3.6 % Bank owned life insurance and other permanent differences 1.0 % (0.1) % Tax exempt income (6.3) % (4.7) % Other (3.1) % (3.1) % Effective income tax rate 16.6 % 16.7 % ​ As a thrift institution, the Bank is subject to special provisions in the tax laws regarding its allowable tax bad debt deductions and related tax bad debt reserves. These deductions are determined using methods based on loss experience or a percentage of taxable income. Tax bad debt reserves represent the excess of allowable deductions over actual bad debt losses, and include a defined base-year amount. Deferred tax liabilities are recognized with respect to reserves in excess of the base-year amount, as well as any portion of the base-year amount that is expected to become taxable (or “recaptured”) in the foreseeable future. The Bank’s base-year tax bad debt reserves totaled $332,000 for Federal tax purposes at December 31, 2022 and 2021.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2022
Employee Benefit Plans
Employee Benefit Plans	14. Employee Benefit Plans 401(k) Plan The Company provides for a savings and retirement plan for employees, which qualifies under section 401(k) of the Internal Revenue Code. The plan provides for voluntary contributions by participating employees ranging from one percent to fifteen percent of their compensation, subject to certain limitations. In addition, the Company will make a matching contribution, equal to 25% of the employee’s contribution. Matching contributions vest to the employee ratably over a five-year period. For the years ended December 31, 2022 and 2021, expense attributable to contributions made by the Company amounted to $57,000. Defined Benefit Plan The Company provides pension benefits for eligible employees through two defined benefit pension plans (the “Plans”). The original plan accrues benefits for employees of Generations Bank that were hired prior to October 1, 2016. A second plan was acquired with the MSL merger and covers MSL employees that were participants of that plan effective September 30, 2018. Both plans have been frozen to new employees and cover eligible Company employees at least 21 years of age and with at least one year of service. Eligible employees participate in the retirement plan on a non-contributing basis, and are fully vested after five years of service. Benefit payments to retired employees are based upon the length of service and percentages of average compensation over the employees’ service period. Contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future. The following tables set forth the changes in the Plans’ benefit obligations, fair value of plan assets and the plans’ funded status as of: ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: ​ At December 31, (In thousands) 2022 2021 Change in benefit obligations: ​ Benefit obligations at beginning of year ​ $ 12,110 ​ $ 12,005 Service Cost ​ ​ 431 ​ ​ 458 Interest cost ​ 409 ​ 420 Actuarial (gain) loss ​ (3,996) ​ 289 Benefit paid ​ (951) ​ (1,062) Benefit obligations at end of year ​ 8,003 ​ 12,110 Change in plan assets: ​ ​ Fair value of plan assets at beginning of year ​ ​ 20,281 ​ ​ 18,332 Actual (loss) return on plan assets ​ ​ (3,492) ​ ​ 2,646 Benefits paid ​ ​ (951) ​ ​ (1,062) Employer contributions ​ ​ 329 ​ ​ 365 Fair value of plan assets at end of year ​ ​ 16,167 ​ ​ 20,281 ​ ​ ​ ​ ​ ​ ​ Funded Status ​ $ 8,164 ​ $ 8,171 ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: At December 31, (In thousands) ​ 2022 ​ 2021 Change in benefit obligations: ​ ​ ​ ​ ​ ​ Benefit obligations at beginning of year ​ $ 3,301 ​ $ 3,501 Service cost ​ ​ 33 ​ ​ 31 Interest cost ​ ​ 110 ​ ​ 130 Actuarial (gain) loss ​ ​ (792) ​ ​ 26 Benefits paid ​ ​ (326) ​ ​ (387) Benefit obligations at end of year ​ ​ 2,326 ​ ​ 3,301 Change in plan assets: ​ ​ ​ ​ ​ ​ Fair value of plan assets at beginning of year ​ ​ 6,237 ​ ​ 5,894 Actual (loss) return on plan assets ​ ​ (1,052) ​ ​ 712 Benefits paid ​ ​ (326) ​ ​ (386) Employer contributions ​ ​ — ​ ​ 17 Fair value of plan assets at end of year ​ ​ 4,859 ​ ​ 6,237 ​ ​ ​ ​ ​ ​ ​ Funded Status ​ $ 2,533 ​ $ 2,936 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amounts recognized in accumulated other comprehensive loss are as follows: ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: Year Ended December 31, (In thousands) 2022 2021 Unrecognized net loss ​ $ 2,952 ​ $ 1,924 Tax Effect ​ 620 ​ 404 ​ ​ $ 2,332 ​ $ 1,520 ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: Year Ended December 31, (In thousands) 2022 2021 Unrecognized net (gain) loss ​ $ 292 ​ $ (429) Tax Effect ​ 61 ​ (90) ​ ​ $ 231 ​ $ (339) ​ The accumulated benefit obligation for the Generations Bank defined benefit pension plan was $7,187,000 and $10,683,000 at December 31, 2022 and 2021, respectively. The accumulated benefit obligation for the Medina Savings and Loan defined benefit pension plan was $2,298,000 and $3,234,000 at December 31, 2022 and 2021. The assumptions used to determine the benefit obligations are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, Generations Bank Plan: 2022 ​ 2021 Weighted average discount rate ​ 6.02 % ​ 3.42 % Rate of increase in future compensation levels ​ 4.00 % ​ 4.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, Medina Savings and Loan Plan: 2022 ​ 2021 Weighted average discount rate 6.01 % ​ 3.44 % Rate of increase in future compensation levels 4.00 % ​ 4.00 % ​ The Company elects to use an analysis of the Plans expected future cash flows and high-quality fixed income investments currently available and expected to be available during the period to maturity of the pension benefits to yield the discount rates shown. This method determines the interest rate used to discount the expected cash flows from the retirement plan, establishing the pension benefit obligation and the post-retirement benefit obligation at December 31 st Each discount rate was developed by matching the expected future cash flows to high quality bonds. Every bond considered has earned ratings of at least AA by Fitch Group, AA by Standard & Poor’s, or Aa2 by Moody’s Investor Services. The bonds were not callable and their price was based on the most recent market transaction in the 75 days prior to the fiscal year end. Fixed coupon and zero coupon bonds were considered. The components of net periodic pension expense and amounts recognized in other comprehensive income are as follows: ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: Year Ended December 31, (In thousands) 2022 2021 Net periodic expenses recognized in income: ​ ​ ​ ​ Service cost ​ $ 431 ​ $ 458 Interest cost ​ 409 ​ 420 Expected return on plan assets ​ (1,533) ​ (1,481) Amortization of net losses ​ — ​ 114 Net periodic pension benefit ​ (693) ​ (489) Other changes in plan assets and benefit obligations recognized in other comprehensive (income) loss: ​ ​ Net actuarial (gain) loss ​ 1,028 ​ (875) Amortization of net actuarial loss ​ — ​ (114) Total recognized in other comprehensive (income) loss ​ 1,028 ​ (989) Total recognized in net periodic pension benefit and other comprehensive (income) loss ​ $ 335 ​ $ (1,478) ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: Year Ended December 31, (In thousands) 2022 2021 Net periodic expenses recognized in income: ​ ​ ​ ​ Service cost ​ $ 33 ​ $ 31 Interest cost ​ 110 ​ 130 Expected return on plan assets ​ (460) ​ (464) Net periodic pension benefit ​ (317) ​ (303) Other changes in plan assets and benefit obligations recognized in other comprehensive (income) loss: ​ ​ Net actuarial (gain) loss ​ 720 ​ (222) Total recognized in other comprehensive (income) loss ​ 720 ​ (222) Total recognized in net periodic pension benefit and other comprehensive (income) loss ​ $ 403 ​ $ (525) ​ The estimated amount that will be amortized from accumulated other comprehensive loss on the Generations Bank plan into net periodic expense for the year ending December 31, 2023 is $161,000. The estimated amount that will be amortized from accumulated other comprehensive income on the Medina Savings and Loan plan into net periodic expense for the year ending December 31, 2023 is $0. The following weighted-average assumptions were used to determine net periodic pension expense: ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: At December 31, ​ 2022 2021 Weighted average discount rate ​ 3.42 % 3.55 % Long-term rate of return on plan assets ​ 7.50 % 8.00 % Rate of increase in future compensation levels ​ 4.00 % 4.00 % ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ At December 31, ​ ​ 2022 2021 Weighted average discount rate ​ 3.44 % 3.83 % Long-term rate of return on plan assets ​ 7.50 % 8.00 % Rate of increase in future compensation levels ​ 4.00 % 3.00 % ​ The Bank expects to contribute $361,000 to the Generations Bank plan and $0 to the Medina Savings and Loan plan in 2023. The following tables show the expected benefit payments to be paid to participants for the years ended December 31: ​ ​ ​ ​ ​ Generations Bank Plan: ​ (In thousands) ​ Amount ​ ​ ​ 2023 ​ $ 358 2024 ​ 379 2025 ​ 392 2026 ​ 391 2027 ​ 424 2028-2032 ​ 3,466 ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ (In thousands) ​ ​ Amount ​ ​ 2023 ​ $ 188 2024 ​ 186 2025 ​ 184 2026 ​ 183 2027 ​ 192 2028-2032 ​ 916 ​ Investment Policies and Strategies Plan assets in both plans are invested in diversified investment funds that include equity and bond mutual funds, each with its own investment objectives, investment strategies, and risks, as detailed in each fund’s prospectus. The Plan Sponsor determines the appropriate strategic asset allocation in accordance with the plan’s long-term investment objectives. The long-term investment objectives for both pension plans are to generate a return on plan assets that will meet or exceed the rate at which long-term obligations will grow to assist in maintaining plan assets at a level that will sufficiently cover long-term obligations. Pension plan assets measured at fair value are summarized below. Level 1 values are determined using quoted prices in active markets; Level 2 values are based on significant observable inputs; and Level 3 values are estimated based on significant unobservable inputs. The risk/volatility in the investments of the Generations Bank pension plan and the Medina Savings and Loan pension plan are managed by maintaining a broadly diversified combination of equity and fixed income portfolios with ample diversification within each fund as well. The current target allocation of both Plans’ assets is 65% in equity securities (stock and commodity mutual funds) and 35% in debt securities (bond mutual funds). ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 1,369 ​ $ — ​ $ 1,369 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 2,631 ​ — ​ 2,631 (3) Blue Chip Separate Account-Z ​ — ​ 1,308 ​ — ​ 1,308 (4) Mid-Cap Value Separate Account -Z ​ — ​ 843 ​ — ​ 843 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 1,159 ​ — ​ 1,159 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 777 ​ — ​ 777 (7) Small-Cap Separate Account-Z ​ — ​ 977 ​ — ​ 977 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 947 ​ — ​ 947 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 672 ​ — ​ 672 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 20 ​ — ​ 20 (11) LDI Short Durations Separate Account-Z ​ — ​ 778 ​ — ​ 778 (12) Core Fixed Income Separate Account-Z ​ — ​ 1,560 ​ — ​ 1,560 (13) Core Plus Bond Separate Account-Z ​ — ​ 3,126 ​ — ​ 3,126 Total ​ $ — ​ $ 16,167 ​ $ — ​ $ 16,167 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 1,631 ​ $ — ​ $ 1,631 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 3,280 ​ — ​ 3,280 (3) Blue Chip Separate Account-Z ​ — ​ 1,635 ​ — ​ 1,635 (4) Mid-Cap Value Separate Account -Z ​ — ​ 1,038 ​ — ​ 1,038 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 1,458 ​ — ​ 1,458 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 1,030 ​ — ​ 1,030 (7) Small-Cap Separate Account-Z ​ — ​ 1,248 ​ — ​ 1,248 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 1,247 ​ — ​ 1,247 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 818 ​ — ​ 818 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 24 ​ — ​ 24 (11) LDI Short Durations Separate Account-Z ​ — ​ 982 ​ — ​ 982 (12) Core Fixed Income Separate Account-Z ​ — ​ 1,961 ​ — ​ 1,961 (13) Core Plus Bond Separate Account-Z ​ — ​ 3,929 ​ — ​ 3,929 Total ​ $ — ​ $ 20,281 ​ $ — ​ $ 20,281 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 411 ​ $ — ​ $ 411 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 789 ​ — ​ 789 (3) Blue Chip Separate Account-Z ​ — ​ 392 ​ — ​ 392 (4) Mid-Cap Value Separate Account -Z ​ — ​ 253 ​ — ​ 253 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 348 ​ — ​ 348 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 233 ​ — ​ 233 (7) Small-Cap Separate Account-Z ​ — ​ 293 ​ — ​ 293 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 284 ​ — ​ 284 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 202 ​ — ​ 202 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 15 ​ — ​ 15 (11) LDI Short Durations Separate Account-Z ​ — ​ 233 ​ — ​ 233 (12) Core Fixed Income Separate Account-Z ​ — ​ 468 ​ — ​ 468 (13) Core Plus Bond Separate Account-Z ​ — ​ 938 ​ — ​ 938 Total ​ $ — ​ $ 4,859 ​ $ — ​ $ 4,859 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 500 ​ $ — ​ $ 500 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 996 ​ — ​ 996 (3) Blue Chip Separate Account-Z ​ — ​ 494 ​ — ​ 494 (4) Mid-Cap Value Separate Account -Z ​ — ​ 316 ​ — ​ 316 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 442 ​ — ​ 442 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 309 ​ — ​ 309 (7) Small-Cap Separate Account-Z ​ — ​ 379 ​ — ​ 379 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 380 ​ — ​ 380 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 251 ​ — ​ 251 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 16 ​ — ​ 16 (11) LDI Short Durations Separate Account-Z ​ — ​ 308 ​ — ​ 308 (12) Core Fixed Income Separate Account-Z ​ — ​ 615 ​ — ​ 615 (13) Core Plus Bond Separate Account-Z ​ — ​ 1,231 ​ — ​ 1,231 Total ​ $ — ​ $ 6,237 ​ $ — ​ $ 6,237 ​ (1) Equity Income Separate Account-Z: The investment seeks to provide current income and longterm growth of income and capital. Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in dividend-paying equity securities at the time of purchase. It usually invests in equity securities of companies with large and medium market capitalizations. The fund invests in value equity securities, an investment strategy that emphasizes buying equity securities that appear to be undervalued. (2) The investment option normally invests the majority of assets in common stocks of companies that compose the S&P 500 Index. Management attempts to mirror the investment performance of the index by allocating assets in approximately the same weightings as the S&P 500 Index. Over the long-term, management seeks a very close correlation between the performance of the Separate Account before expenses and that of the S&P 500 Index. (3) The investment seeks long-term growth of capital. The fund normally invests at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities of companies with large market capitalizations at the time of purchase that, in the fund's investment advisor's opinion, display characteristics of a "blue chip" company. The advisor tends to focus on securities of companies that show potential for growth of capital as well as an expectation for above average earnings. The fund invests in securities of foreign companies, as well as companies with medium market capitalizations. (4) The investment seeks long-term growth of capital. Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities of companies with medium market capitalizations at the time of purchase. It invests in value equity securities, an investment strategy that emphasizes buying equity securities that appear to be undervalued. The fund also invests in real estate investment trusts. (5) The investment option normally invests the majority of assets in common stocks of companies that compose the S&P MidCap 400 Index. Management attempts to mirror the investment performance of the index by allocating assets in approximately the same weightings as the S&P MidCap 400 Index. Over the long-term, management seeks a very close correlation between the performance of the Separate Account before expenses and that of the S&P MidCap 400 Index. (6) The investment option primarily invests in common stocks of medium capitalization companies with strong earnings growth potential. It normally invests the majority of assets in companies with market capitalizations similar to those companies in the Russell MidCap Growth Index. Management uses a bottom-up approach in selection of individual securities that it believes have an above average potential for earnings growth. It may invest up to 25% of assets in foreign securities. (7) The investment seeks long-term growth of capital and primarily invests in common stocks of small capitalization companies. It normally invests the majority of assets in companies with market capitalizations similar to those of companies in the Russell 2000 Index. Management looks at stocks with value and/or growth characteristics and constructs an investment portfolio that has a blend of stocks with these characteristics. Management does not have a policy of preferring one of these styles to the other. The Separate Account may invest up to 25% of assets in foreign securities. (8) The investment seeks long-term growth of capital and normally invests the majority of assets in common stocks of companies that compose the S&P SmallCap 600 Index. Management attempts to mirror the investment performance of the index by allocating assets in approximately the same weightings as the S&P SmallCap 600 Index. Over the long-term, management seeks a very close correlation between the performance of the Separate Account before expenses and that of the S&P SmallCap 600 Index. (9) The investment option normally invests the majority of assets in equities of companies in emerging market countries. It invests in securities of companies with their principal place of business or principal office in emerging market countries; companies for which the principal securities trade in an emerging market; or companies, regardless of where their securities are traded, that derive 50% of their total revenue from either goods or services produced in emerging market countries. The fund may invest in securities of companies with small to medium market capitalizations. (10) The investment seeks as high a level of current income as is considered consistent with preservation of principal and maintenance of liquidity. It invests in a portfolio of high quality, short-term instruments. The investments are U.S. dollar denominated securities which the sub-advisor believes present minimal credit risks. The sub-advisor maintains a dollar weighted average portfolio maturity of 60 days or less. (11) The investment seeks to maximize total returns from the universe of debt securities in which the Portfolio invests. As a non-fundamental policy, under normal circumstances, the Portfolio will invest at least 80% of its net assets in fixed income securities considered to be investment grade quality. In addition, the Portfolio is authorized to invest more than 25% of its total assets in U.S. Treasury bonds, bills and notes, and obligations of federal agencies and instrumentalities. (12) The investment seeks to provide a high level of current income consistent with preservation of capital. The fund invests primarily in a diversified pool of investment-grade fixed-income securities, including corporate securities, U.S. government securities, asset-backed securities and mortgage-backed securities. It maintains an average portfolio duration that is within from 75% to 125% of the duration of the Bloomberg Barclays US Aggregate Bond Index. (13) The investment option invests primarily in intermediate term, fixed-income investments such as public and private corporate bonds, commercial and residential mortgages, asset-backed securities, and US government and agency-backed securities. Value is added primarily through sector allocation and security selection. The Separate Account may enter into reverse repurchase agreements to attempt to enhance portfolio return and income. ​ ​ Determination of Long-Term Rate of Return The long-term rate of return on assets assumption for both the Generations Bank Plan and the Medina Savings and Loan Plan were set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the Plan’s target allocation of asset classes. Equities and fixed income securities were assumed to earn real rates of return in the ranges of 5 - 9% and 2 - 6%, respectively. The long-term inflation rate was estimated to be 3%. When these overall return expectations are applied to the Plan’s target allocation, the result is an expected rate of return of 6% - 10%. Employee Stock Ownership Plan (“ESOP”) On July 10, 2006, the ESOP acquired 93,315 shares of Seneca-Cayuga Bancorp’s common stock with funds provided by a loan from the Company. These shares like all other shares were exchanged into Company shares at the effective time of the 2021 second step conversion. The loan was repaid through annual installments through 2021. At December 31, 2021, unreleased shares totaled 3,104 and released shares totaled 90,032, both of which have been adjusted by the exchange ratio of 0.9981. On January 12, 2021, the ESOP acquired 109,450 shares of the Company’s common stock with funds provided by a loan from the Company. These new shares were combined with the remaining 3,104 unreleased shares acquired by the ESOP on July 10, 2006 for a total of 112,554 unreleased shares. The ESOP loan is repaid principally from the Bank’s contributions to the ESOP. The loan is being repaid in annual installments through 2045 and bears interest at a fixed rate of 3.25%. Shares are released to participants proportionately as the loan is repaid and totaled 4,502 shares for the year ended December 31, 2022. Released shares from the ESOP totaled 99,036 shares with 90,032 attributable to the 2006 ESOP and 9,004 shares attributable to the 2021 ESOP. Unreleased shares totaled 103,550 for the year ended December 31, 2022. ESOP expense was $51,000 for the year ended December 31, 2022. At December 31, 2022, there were 103,550 shares unearned having an aggregate fair value of approximately $1.1 million based on a fair value per share of $10.80. The Company is obligated at the option of each participant to repurchase shares of the ESOP upon the participant’s termination of employment or after retirement. The maximum repurchase obligation based on 99,036 shares released and fair value of $10.80 per share is $1.1 million at December 31, 2022. The maximum repurchase obligation based on 94,534 shares released and fair value of $11.91 per share was $1.1 million as of December 31, 2021. Directors’ Retirement Plan ​ In 2012, the Company adopted a Directors Retirement Plan for the benefit of its non-employee members of the Board of Directors. The program is a nonqualified deferred compensation arrangement designed to comply with Internal Revenue Code Section 409A. The Bank makes a supplemental contribution to the plan on an annual basis. The contributions are deposited into a rabbi trust and are thereby isolated from the Company’s working capital. The grantor trust holds and distributes the funds according to the plan and trust documents. The fair value of the securities held in the rabbi trust at December 31, 2022 was $270,000 and is included in equity investment securities. A liability of the same amount is included in other liabilities. Changes in the fair value of the underlying securities held in the rabbi trust are recorded as unrealized gains or losses on equity securities and a corresponding increase or decrease in directors’ fees. In 2021, the Company expanded the Directors’ Retirement Plan to allow participants to invest in the Company’s stock. The fair value of the stock held in the rabbi trust at December 31, 2022 was $390,000 and is reflected on the statement of condition as a liability. The cost of securities purchased and held in the rabbi trust was $363,000 and is reflected as a component of equity. Changes in the fair value of the underlying securities held in the rabbi trust are recorded as directors’ fees with a corresponding increase or decrease in the liability. The unrealized loss recorded for the Directors’ Retirement Plan for the year ended December 31, 2022 was $77,000. Expense attributable to contributions made by the Company amounted to $23,000 for the years ended December 31, 2022 and 2021. ​ Supplemental Executive Retirement Plan A Supplemental Executive Retirement Plan was established in 2012, for the benefit of a select group of management or highly compensated employees. This plan is structured as an unfunded arrangement that complies with IRC Section 409A, and allows for annual supplemental contributions to the plan by the Bank. The contributions are deposited into a rabbi trust and are thereby isolated from the Company’s working capital. The grantor trust holds and distributes the funds according to the plan and trust documents. The funds held at the rabbi trust are used to purchase the Company’s common stock. The fair value of the stock held in the rabbi trust at December 31, 2022 was $354,000 and is reflected on the statement of condition as a liability. The cost of securities purchased and held in the rabbi trust is $335,000 and is reflected as a component of equity. Changes in the fair value of the underlying securities held in the rabbi trust are recorded as compensation expense with a corresponding increase or decrease in the liability. The unrealized loss recorded for the year ended December 31, 2022 was $36,000. The expense attributable to contributions made by the Company was $31,000 for the years ended December 31, 2022 and 2021.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2022
Stock-Based Compensation
Stock-Based Compensation	15. Stock-Based Compensation A summary of the Company’s stock option activity and related information for its option plans for the year ended December 31, 2022 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2022 ​ ​ ​ ​ ​ Weighted Average ​ ​ ​ ​ ​ Exercise Price Per ​ ​ Options ​ ​ Share Outstanding at beginning of year ​ — ​ $ — Grants ​ 132,977 ​ ​ 11.61 Exercised ​ — ​ ​ — Outstanding at year end ​ 132,977 ​ $ 11.61 ​ ​ ​ ​ ​ ​ Exercisable at year end ​ — ​ $ — ​ An aggregate of 132,977 stock options were granted during the year ending December 31, 2022. The compensation expense of the awards is based on the fair value of the instruments on the date of grant. The Company recorded compensation expense in the amount of $54,000 for the year ending December 31, 2022 with respect to the options. The grants to senior management and directors vest over a five-year period in equal installments, with the first installment vesting on the first anniversary date of the grant and succeeding installments on each anniversary thereafter, through 2027. An aggregate of 53,191 shares of restricted stock were granted to directors and senior management during the year ending December 31, 2022. These shares of restricted stock vest in the same manner as the stock options described above. The Company recorded compensation expense in the amount of $74,000 for the year ending December 31, 2022 with respect to the shares of restricted stock.

Regulatory Capital

Regulatory Capital	12 Months Ended
	Dec. 31, 2022
Regulatory Capital
Regulatory Capital	16. Regulatory Capital The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total core and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to total adjusted assets (as defined). Under applicable regulation, the Bank must hold a 2.50% capital conservation buffer above the adequately capitalized risk-based capital ratios. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes as of December 31, 2022 and December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject. The Bank’s actual capital amounts and ratios are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be "Well- ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized" ​ ​ ​ ​ ​ ​ ​ ​ For Capital ​ Under Prompt ​ ​ ​ Actual ​ Adequacy Purposes ​ Corrective Provisions ​ (in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2022 ​ ​ ​ ​ Common Equity Tier 1 Capital ​ $ 41,127 ​ 13.87 % $ 13,347 ​ 4.50 % $ 19,278 ​ 6.50 % Total Capital (to Risk-Weighted Assets) ​ $ 43,624 ​ 14.71 % $ 23,727 ​ 8.00 % $ 29,659 ​ 10.00 % Tier 1 Capital (to Risk-Weighted Assets) ​ $ 41,127 ​ 13.87 % $ 17,795 ​ 6.00 % $ 23,727 ​ 8.00 % Tier 1 Capital (to Total Adjusted Assets) ​ $ 41,127 ​ 10.98 % $ 14,989 ​ 4.00 % $ 18,736 ​ 5.00 % As of December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ Common Equity Tier 1 Capital ​ $ 41,287 ​ 14.82 % $ 12,534 ​ 4.50 % $ 18,104 ​ 6.50 % Total Capital (to Risk-Weighted Assets) ​ $ 43,128 ​ 15.48 % $ 22,282 ​ 8.00 % $ 27,853 ​ 10.00 % Tier 1 Capital (to Risk-Weighted Assets) ​ $ 41,287 ​ 14.82 % $ 16,712 ​ 6.00 % $ 22,282 ​ 8.00 % Tier 1 Capital (to Total Adjusted Assets) ​ $ 41,287 ​ 10.99 % $ 15,034 ​ 4.00 % $ 18,792 ​ 5.00 % ​ The Company’s goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary bank that supports growth and expansion activities while at the same time exceeding regulatory standards. At December 31, 2021 and 2020, Generations Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a “well-capitalized” institution, i.e. Tier 1 Capital (to Total Adjusted Asset) exceeding 5%, a common equity Tier 1 capital ratio exceeding 6.50%, a Tier 1 risk-based capital ratio exceeding 8.00% and a total risk-based capital ratio exceeding 10%. ​ By letter dated September 10, 2020, based on its supervisory profile, the Office of the Comptroller of the Currency (“OCC”) established higher individual minimum capital ratios for Generations Bank. Specifically, effective September 10, 2020, Generations Bank is required to maintain a leverage ratio of 8.0% and a total capital ratio of 12.0%. The individual minimum capital ratios will remain in effect until terminated, modified, or suspended in writing by the OCC.

Dividends and Restrictions

Dividends and Restrictions	12 Months Ended
	Dec. 31, 2022
Dividends and Restrictions
Dividends and Restrictions	17. Dividends and Restrictions The Company’s ability to pay dividends to its shareholders is largely dependent on the Bank’s ability to pay dividends to the Company. In addition to the capital requirements discussed in Note 16, the circumstances under which the Bank may pay dividends are limited by federal statutes, regulations and policies. Generally, the amount of dividends the Bank may pay is equal to its net income for the year plus its net income for the prior two years that are still available for dividends. The amount of retained earnings legally available under these regulations approximated $3,028,000 as of December 31, 2022. Dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements. ​

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies
Commitments and Contingencies	18. Commitments and Contingencies Credit Commitments The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit, which involve, to varying degrees, elements of credit, interest rate, or liquidity risk in excess of the amount recognized in the consolidated statements of financial condition. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amounts of those instruments. The Bank has experienced minimal credit losses to date on its financial instruments with off-balance sheet risk and management does not anticipate any significant losses on its commitments to extend credit outstanding at December 31, 2022. Financial instruments whose contract amounts represent credit risk consist of the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Commitments to grant loans ​ $ 6,400 ​ $ 3,524 Unfunded commitments under lines of credit ​ 14,789 ​ 15,568 ​ Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2022 with fixed interest rates amounted to approximately $9.6 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2022 with variable interest rates amounted to approximately $11.6 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2021 with fixed interest rates amounted to approximately $3.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2021 with variable interest rates amounted to approximately $15.3 million. These outstanding loan commitments carry current market rates. Unfunded commitments under revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued have expiration dates. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Company generally holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees. Commitments to Originate and Sell One- to Four-Family Residential Mortgages The Bank has sold and funded $68.6 million of loans to the Federal Home Loan Bank of New York as part of its Mortgage Partnership Finance Program (“MPF Program”), inclusive of USDA loans, to date. The principal outstanding balance on loans sold under the MPF Program is $8.6 million at December 31, 2022. The Bank continues to service loans sold under the MPF Program. Under the terms of the MPF Program, there is limited recourse to the Bank for loans that do not perform in accordance with the terms of the loan agreement. Each loan that is sold under the program is “credit enhanced” such that the individual loan’s rating is raised to “AA,” as determined by the Federal Home Loan Bank of New York. The sum of each individual loan’s credit enhancement represents the total recourse back to the Bank. The total recourse back to the Bank for loans sold was $707,000 at December 31, 2022. A portion of the recourse is offset by a “first loss account” to which funds are allocated by the Federal Home Loan Bank of New York annually in January. The balance of the “first loss account” allocated to the Bank is $92,000 at December 31, 2022. In addition, many of the loans sold under the MPF Program have primary mortgage insurance, which reduces the Bank’s overall exposure. The potential liability for the recourse is considered when the Bank determines its allowance for loan losses. Lease Commitments As part of the MSL merger, the Bank took on the assignment of a non-cancelable operating lease with Wal-Mart East for the space occupied by the Albion retail office. This lease expired on May 31, 2021 and was not renewed and the office was closed on May 7, 2021. Lease expense, since the merger, is included in occupancy expense and was $0 for the year ending December 31, 2022 and $19,000 for December 31, 2021. There are no future minimum lease commitments at December 31, 2022.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2022
Concentrations of Credit Risk
Concentrations of Credit Risk	19. Concentrations of Credit Risk The majority of the Company’s activities are with customers located in the Finger Lakes Region of New York, but we have now expanded our market footprint to include Orleans County, located Northwest of the Finger Lakes, and diversified our loan portfolio with loans purchased from areas outside of the local region. See notes 4, 5, and 18 to the consolidated financial statements that discuss the types of securities that the Company invests in, the types of lending the Company engages in, and commitments outstanding. The Company does not have any significant concentrations in any one industry or customer. From time to time, the Bank will maintain balances with its correspondent banks that exceed the $250,000 federally insured deposit limits. At December 31, 2022 and 2021, the Company’s cash accounts did not materially exceed federally insured limit of $250,000. At December 31, 2022 and 2021, the Company held $2,818,000 and $15,228,000 at the Federal Home Loan Bank and Federal Reserve Bank, which are not subject to FDIC limits. Management routinely evaluates the credit worthiness of these correspondent banks, and does not feel they pose a significant risk to the Company.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2022
Related Party Transactions
Related Party Transactions	20. Related Party Transactions Certain officers, directors, and their affiliates are engaged in transactions with the Bank in the ordinary course of business. It is the Bank’s policy that all related party transactions are conducted at “arm’s length” and all loans and commitments included in such transactions are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other customers. The following is a summary of the loans made to officers, directors, and their affiliates: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Beginning balance ​ $ 2,490 ​ $ 2,527 Originations ​ — ​ 173 Payments and change in status ​ (445) ​ (210) Ending balance ​ $ 2,045 ​ $ 2,490 ​ The aggregate amount of deposits owned by related parties was $3.6 million and $2.2 million at and December 31, 2022 and 2021.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2022
Revenue from Contracts with Customers
Revenue from Contracts with Customers	21. Revenue from Contracts with Customers The majority of the Company’s revenue-generating transactions are not subject to ASC Topic 606, including revenue generated from financial instruments, such as loans and investment securities, which are presented in our consolidated statements of income as components of net interest income. All of the Company’s revenue from contracts with customers in the scope of Topic 606 is recognized within non-interest income. The following table presents revenues subject to Topic 606: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Service charges on deposit accounts ​ $ 628 ​ $ 563 Debit card interchange and surcharge income ​ 758 ​ 855 Insurance commissions ​ 451 ​ 722 Loan servicing fees ​ 189 ​ 151 ​ ​ $ 2,026 ​ $ 2,291 ​ Service charges on deposit accounts Debit card interchange and surcharge income Insurance commissions and fees Loan servicing fees

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	22. Accumulated Other Comprehensive Loss The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, ​ Affected Line Item in the (In thousands) 2022 2021 Consolidated Statement of Income Available-for-sale securities: ​ ​ ​ ​ ​ ​ ​ ​ Realized gain on sale of securities ​ $ — ​ $ (10) ​ Net gain on sale of securities Tax effect ​ ​ — ​ ​ 2 ​ Income tax expense ​ ​ $ — ​ $ (8) ​ Net income Defined benefit pension plan: ​ ​ ​ ​ ​ ​ ​ ​ Retirement plan net losses recognized in net periodic pension cost ​ $ — ​ $ 114 ​ Compensation and benefits Tax effect ​ ​ — ​ ​ (23) ​ Income tax benefit ​ ​ $ — ​ $ 91 ​ Net income ​

Fair Value Disclosures

Fair Value Disclosures	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures
Fair Value Disclosures	23. Fair Value Disclosures Management uses its best judgment in estimating the fair value of the Company’s financial assets and liabilities; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial assets and liabilities, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective reporting dates and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial assets and liabilities subsequent to the respective reporting dates may be different from the amounts reported at each reporting date. The Company uses fair value measurements to record fair value adjustments to certain financial assets and liabilities and to determine fair value disclosures. The fair value of a financial asset or liability is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in some instances, there may be no quoted market prices for the Company’s various financial assets and liabilities. 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. Accordingly, the fair value estimates may not be realized in an immediate settlement of the financial asset or liability. Fair value measurement guidance established a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are as follows: Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date of identical, unrestricted assets or liabilities. Level 2: Quoted prices in markets that are not active, or inputs that are observable directly or indirectly, for substantially the full term of the asset or liability. Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity). An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. There have been no changes in valuation techniques during the periods ended December 31, 2022 and 2021. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparison between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s assets and liabilities at December 31, 2022 and December 31, 2021. Cash and due from banks Investment securities Municipal bonds: The significant unobservable inputs used in the fair value measurement of the Company’s municipal bonds are premiums for unrated securities and marketability discounts. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. In general, changes in either of those inputs will not affect the other input. Federal Home Loan Bank (FHLB) stock Loans Impaired loans Deposits Accrued interest Borrowings The following tables present a comparison of the carrying amount and estimated fair value of the Company’s financial instruments: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ Carrying ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 8,004 ​ $ 8,004 ​ $ — ​ $ — ​ $ 8,004 Securities available-for-sale ​ 33,050 ​ — ​ 31,335 ​ 1,715 ​ 33,050 Securities held-to-maturity ​ 1,587 ​ — ​ 1,301 ​ — ​ 1,301 Equity securities ​ 307 ​ 307 ​ — ​ — ​ 307 Loans receivable, net ​ 303,880 ​ — ​ — ​ 294,897 ​ 294,897 FHLB stock ​ 1,740 ​ — ​ 1,740 ​ — ​ 1,740 Accrued interest receivable ​ 1,304 ​ 1,304 ​ — ​ — ​ 1,304 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ $ 317,678 ​ $ 92,745 ​ $ — ​ $ 211,598 ​ $ 304,343 Short-term borrowings ​ ​ 16,200 ​ ​ — ​ ​ 16,311 ​ ​ ​ ​ ​ 16,311 Long-term borrowings ​ 10,334 ​ — ​ 15,081 ​ — ​ 15,081 Accrued interest payable ​ 162 ​ 162 ​ — ​ — ​ 162 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ Carrying ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 20,997 ​ $ 20,997 ​ $ — ​ $ — ​ $ 20,997 Securities available-for-sale ​ 36,975 ​ — ​ 33,965 ​ 3,010 ​ 36,975 Securities held-to-maturity ​ 1,778 ​ — ​ 1,721 ​ — ​ 1,721 Equity securities ​ 350 ​ 350 ​ — ​ — ​ 350 Loans receivable, net ​ 278,120 ​ — ​ — ​ 281,502 ​ 281,502 FHLB stock ​ 1,450 ​ — ​ 1,450 ​ — ​ 1,450 Accrued interest receivable ​ 1,249 ​ 1,249 ​ — ​ — ​ 1,249 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ $ 312,049 ​ $ 94,709 ​ $ — ​ $ 219,261 ​ $ 313,970 Long-term borrowings ​ 17,760 ​ — ​ 21,985 ​ — ​ 21,985 Accrued interest payable ​ 35 ​ 35 ​ — ​ — ​ 35 ​ The following tables summarize assets measured at fair value on a recurring basis, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: ​ ​ ​ ​ Debt investment securities: ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ 24 ​ $ — ​ $ 24 Corporate bonds ​ ​ — ​ ​ 18,194 ​ ​ — ​ ​ 18,194 Municipal bonds ​ — ​ 13,117 ​ 1,715 ​ 14,832 Equity investment securities: ​ ​ ​ ​ Large cap equity mutual fund ​ 37 ​ — ​ — ​ 37 Other mutual funds ​ 270 ​ — ​ — ​ 270 Total investment securities ​ $ 307 ​ $ 31,335 ​ $ 1,715 ​ $ 33,357 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: ​ ​ ​ ​ Debt investment securities: ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ 33 ​ $ — ​ $ 33 Corporate bonds ​ ​ — ​ ​ 18,043 ​ ​ — ​ ​ 18,043 Municipal bonds ​ — ​ 15,889 ​ 3,010 ​ 18,899 Equity investment securities: ​ ​ ​ ​ Large cap equity mutual fund ​ 45 ​ — ​ — ​ 45 Other mutual funds ​ 305 ​ — ​ — ​ 305 Total investment securities ​ $ 350 ​ $ 33,965 ​ $ 3,010 ​ $ 37,325 ​ The changes in Level 3 assets measured at estimated fair value on recurring basis during the years ended December 31, 2022 and 2021 were as follows: ​ ​ ​ ​ ​ ​ Investment (In thousands) ​ Securities ​ ​ ​ Balance - December 31, 2021 ​ $ 3,010 Total losses realized/unrealized: ​ Included in other comprehensive loss ​ (174) Purchases ​ 85 Principal payments/maturities ​ (1,206) Balance - December 31, 2022 ​ $ 1,715 ​ ​ ​ ​ ​ ​ Investment (In thousands) ​ Securities Balance - December 31, 2020 ​ $ 3,174 Total gains realized/unrealized: ​ Included in other comprehensive income ​ 161 Purchases ​ 826 Principal payments/maturities ​ (1,151) Balance - December 31, 2021 ​ $ 3,010 ​ In 2022 and 2021, the Company purchased municipal bonds in the table above from local government entities which are not actively traded. The Company receives scheduled principal and interest payments from the municipalities based on the terms of the bonds. Management receives valuations on these investments on a quarterly basis from an outside party. As such, the carrying value is deemed to approximate fair value (Level 3). Sensitivity of significant unobservable inputs : The following is a description of the sensitivity of significant unobservable inputs, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement, and how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value measurement. Municipal bonds Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables summarize assets measured at fair value on a nonrecurring basis segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans ​ $ — ​ $ — ​ $ — ​ $ — Foreclosed real estate & repossessed assets ​ — ​ — ​ 12 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans ​ $ — ​ $ — ​ $ 391 ​ $ 391 Foreclosed real estate & repossessed assets ​ — ​ — ​ 27 ​ 27 ​ There have been no transfers of assets in or out of any fair value measurement level. The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Level 3 inputs were used to determine fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ Quantitative Information about Level 3 Fair Value Measurements ​ Valuation Unobservable Range ​ ​ Techniques ​ Input ​ (Weighted Avg.) Investment type- ​ ​ ​ ​ ​ ​ Other Investments ​ Scheduled principal ​ Cost to Sell ​ 0% ​ ​ and interest payments ​ ​ ​ ​ ​ ​ Carrying value ​ ​ ​ 100% ​ The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quantitative Information about Level 3 Fair Value Measurements ​ ​ Valuation ​ Unobservable ​ Range ​ Techniques Input (Weighted Avg.) Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (20)% One-to four-family residential Costs to Sell 5% - 15% (10)% ​ Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Commercial business Changes in property condition 10% - 20% (15)% ​ ​ Costs to Sell 5% - 15% (10)% ​ Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% ​ Changes in property condition 10% - 20% (15)% ​ Costs to Sell 5% - 15% (10)% ​ Impaired loans not an accurate measurement of the property’s current fair value. Examples of such circumstances include changed economic conditions since the last appraisal, stale appraisals, or imprecision and subjectivity in the appraisal process. Appraisal adjustments may be made by management to reflect these conditions resulting in a discount of the appraised value. In addition, a discount is typically applied to account for estimated costs to sell. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuations, and management’s expertise and knowledge of the client and client’s business. The methods used to determine the fair values of impaired loans typically result in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Foreclosed real estate & repossessed assets

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2022
Parent Company Only Financial Information
Parent Company Only Financial Information	24. Parent Company Only Financial Information The following presents the condensed financial information pertaining only to Generations Bancorp NY, Inc. as of and for the periods ended: ​ ​ ​ ​ ​ ​ ​ ​ Statements of Condition ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Assets ​ ​ Cash and cash equivalents ​ $ 529 ​ $ 2,066 Securities available-for-sale, at fair value ​ 981 ​ 316 Equity investment securities, at fair value ​ ​ 279 ​ ​ — Investment in bank subsidiary ​ 36,257 ​ 41,897 Other assets ​ 61 ​ 42 Total assets ​ $ 38,107 ​ $ 44,321 Liabilities and Shareholders' Equity ​ ​ Deferred tax liability ​ $ 72 ​ $ 72 Other liabilities ​ 707 ​ 769 Shareholders' equity ​ 37,328 ​ 43,480 Total liabilities and shareholders' equity ​ $ 38,107 ​ $ 44,321 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Income ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Income ​ ​ Dividends from securities available-for-sale ​ $ 47 ​ $ 23 Interest income ​ 16 ​ — Change in the fair value on equity securities ​ (37) ​ 20 Total income ​ 26 ​ 43 Expenses ​ ​ Interest expense ​ — ​ 9 Change in the fair value of the Directors Retirement Plan ​ (51) ​ 127 Total expenses ​ (51) ​ 136 Income (Loss) before taxes and equity in undistributed net income of bank subsidiary ​ 77 ​ (93) Income tax expense (benefit) ​ 14 ​ (16) Income (Loss) before equity in undistributed net income of bank subsidiary ​ 63 ​ (77) Equity in undistributed net income of bank subsidiary ​ 1,024 ​ 1,490 Net income ​ $ 1,087 ​ $ 1,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Cash Flows ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Operating Activities ​ ​ Net income ​ $ 1,087 ​ $ 1,413 Equity in undistributed net income of bank subsidiary ​ (1,024) ​ (1,490) Change in fair value on equity securities ​ ​ 37 ​ ​ (20) Net amortization of premiums and discounts on investment securities ​ ​ (1) ​ ​ — ESOP Expense ​ ​ 51 ​ ​ 48 Stock-based compensation ​ ​ 128 ​ ​ — Net change in other assets ​ (20) ​ 888 Net change in other liabilities ​ (39) ​ (70) Net cash provided by operating activities ​ 219 ​ 769 Investing Activities ​ ​ Purchase of investment securities available-for-sale ​ (1,090) ​ — Capital Infusion in Subsidiary ​ ​ — ​ ​ (7,750) Net cash (used in) provided by investing activities ​ (1,090) ​ (7,750) Financing activities ​ ​ Net proceeds from stock offering and conversion ​ ​ — ​ ​ 13,151 Net proceeds from (repayment of) advances on note payable ​ — ​ (1,851) Repayments received on sub-debt ​ ​ — ​ ​ (1,235) Purchase of common stock for ESOP ​ — ​ (1,104) Effect of stock repurchase plan ​ ​ (1,872) ​ ​ — Cash dividend from bank subsidiary ​ ​ 1,250 ​ ​ — Purchase of common stock for SERP ​ ​ (31) ​ ​ (14) Purchase of common stock for Directors Retirement Plan ​ ​ (13) ​ ​ (13) Net cash (used in) provided by financing activities ​ (666) ​ 8,934 Net change in cash and cash equivalents ​ (1,537) ​ 1,953 Cash and cash equivalents at beginning of year ​ 2,066 ​ 113 Cash and cash equivalents at end of year ​ $ 529 ​ $ 2,066 ​

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2022
Segment Information
Segment Information	25. Segment Information The Company has three primary business segments, its community banking franchise, its insurance agency, and a limited-purpose commercial bank. The community banking segment provides financial services to consumers and businesses principally in the Finger Lakes Region and Orleans County of New York State. These services include providing various types of loans to customers, accepting deposits, mortgage banking, and other traditional banking services. Parent company and treasury function income is included in the community-banking segment, as the majority of effort for these functions is related to this segment. Major revenue sources include net interest income and service fees on deposit accounts. Expenses include personnel and branch-network support charges. The insurance agency segment offers insurance coverage to businesses and individuals in the Finger Lakes Region. The insurance activities consist of those conducted through the Bank’s wholly owned subsidiary, Generations Agency. The primary revenue source is commissions. Pursuant to a Management Agreement, which became effective on April 1, 2022, personnel and office support charges were assumed by Northwoods. The municipal banking segment is a New York State chartered limited-purpose commercial bank formed expressly to enable local municipalities, primarily within the Finger Lakes Region and Northwest New York State, to deposit public funds with the Commercial Bank in accordance with existing NYS municipal law. The Commercial Bank is a wholly owned subsidiary of the Bank. The major revenue source is net interest income. Expenses include rent and support charges for using the assets and technology of the Bank. Information about the segments is presented in the following table as of and for the years ended: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, ​ ​ ​ 2022 ​ 2021 ​ ​ ​ Community ​ ​ ​ ​ Municipal ​ ​ ​ ​ Community ​ ​ ​ ​ Municipal ​ ​ ​ ​ ​ ​ Banking ​ Insurance ​ Banking ​ ​ ​ ​ Banking ​ Insurance ​ Banking ​ ​ ​ ​ (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income ​ $ 11,103 ​ $ — ​ $ 267 ​ $ 11,370 ​ $ 11,669 ​ $ — ​ $ 250 ​ $ 11,919 ​ Provision for loan losses ​ 631 ​ — ​ — ​ 631 ​ 540 ​ — ​ — ​ 540 ​ Net interest income after provision for loan losses ​ 10,472 ​ — ​ 267 ​ 10,739 ​ 11,129 ​ — ​ 250 ​ 11,379 ​ Total noninterest income ​ 1,675 ​ 442 ​ — ​ 2,117 ​ 1,998 ​ 729 ​ — ​ 2,727 ​ Compensation and benefits ​ (4,786) ​ (105) ​ — ​ (4,891) ​ (4,923) ​ (376) ​ — ​ (5,299) ​ Other noninterest expense ​ (6,543) ​ (39) ​ (80) ​ (6,662) ​ (6,876) ​ (149) ​ (86) ​ (7,111) ​ Income before income tax expense (benefit) ​ 818 ​ 298 ​ 187 ​ 1,303 ​ 1,328 ​ 204 ​ 164 ​ 1,696 ​ Income tax expense (benefit) ​ 183 ​ — ​ 33 ​ 216 ​ 254 ​ — ​ 29 ​ 283 ​ Net income ​ $ 635 ​ $ 298 ​ $ 154 ​ $ 1,087 ​ $ 1,074 ​ $ 204 ​ $ 135 ​ $ 1,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ The following represents a reconciliation of the Company’s reported segment assets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Total assets for reportable segments ​ $ 402,776 ​ $ 395,225 Elimination of intercompany balances ​ (16,483) ​ (16,276) Consolidated total assets ​ $ 386,293 ​ $ 378,949 ​ The accounting policies of each segment are the same as those described in the summary of significant accounting policies.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2022
Subsequent Events
Subsequent Events	26. Subsequent Events The Company has evaluated subsequent events through March 24, 2023, which is the date the consolidated financial statements were issued. ​ On March 12, 2023, in response to liquidity concerns in the banking system, the Federal Deposit Insurance Corporation, Federal Reserve, and U.S. Department of Treasury, collaboratively approved certain actions with a stated intention to reduce stress across the financial system, support financial stability, and minimize any impact on business, households, taxpayers, and the broader economy. Among other actions, the Federal Reserve Board has created a new Bank Term Funding Program (“BTFP”) to make additional funding available to eligible depository institutions to help assure institutions can meet the needs of their depositors. Eligible institutions may obtain liquidity against a wide range of collateral. BTFP advances can be requested through at least March 11, 2024. Through the date the financial statements were available to be issued, the Company has not requested funding through the BTFP. ​ The overall consequences of current market and liquidity conditions and the impact of the recent actions taken on the banking system and overall economy are unknown. The impact of this situation on the Company and its future results and financial position is not presently determinable. ​ ​

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies
Principles of Consolidation and Basis of Presentation	a. Principles of Consolidation and Basis of Presentation The consolidated financial statements include the accounts of the Holding Company, the Bank, the Commercial Bank and the Agency. The consolidated entity is referred to as the “Company” in the following notes to the consolidated financial statements. All significant intercompany balances and transactions have been eliminated in consolidation. Amounts in the prior year’s consolidated financial statements have been reclassified whenever necessary to conform to the current year’s presentation. Such reclassifications had no impact on net income.
Use of Estimates	b. Use of Estimates The preparation of consolidated financial statements, in accordance with accounting principles generally accepted in the United States of America, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Management has identified the allowance for loan losses, deferred income taxes, pension obligations and the evaluation of investment securities for other-than-temporary impairment to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. The Company is subject to the regulations of various governmental agencies. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations.
Cash and Cash Equivalents	c. Cash and Cash Equivalents Cash and cash equivalents include cash, amounts due from banks, including interest-bearing demand deposits, and items in the process of collection. The Company considers all liquid investments with original maturities of three months or less to be cash equivalents.
Securities	d. Securities The Company reports debt securities in one of the following categories: (i) “held-to-maturity” which management has the positive intent and ability to hold debt securities to maturity. These securities are reported at amortized cost adjusted for the amortization of premiums and accretion of discounts; or (ii) “available-for-sale” which includes all other debt securities and are reported at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income (loss). The Company classifies its debt securities in one of these categories based upon determinations made at the time of purchase, and re-evaluates their classification each quarter-end. Premiums and discounts on debt securities are amortized, or accreted, to interest income over the term of the security and adjusted for the effect of actual prepayments in the case of mortgage-backed securities. Gains and losses on the sales of securities are recognized in income when sold, using the specific identification method, on a trade date basis. Equity securities are reported at fair value, with unrealized gains and losses included in earnings. Investment securities are exposed to various risks such as interest rate, market, and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the amounts reported in the accompanying consolidated financial statements. Note 4 to the consolidated financial statements includes additional information about the Company’s accounting policies with respect to the impairment of investment securities.
Federal Home Loan Bank of New York Stock	e. Federal Home Loan Bank of New York Stock The Bank, as a member of the Federal Home Loan Bank (“FHLB”) system, is required to maintain an investment in capital stock of the FHLB. Based on redemption provisions of the FHLB, the stock has no quoted fair value and is carried at cost, which approximates fair value.
Loans Receivable	f. Loans Receivable The Company grants residential mortgage, commercial, and consumer loans to customers, principally located in the Finger Lakes Region of New York State and extending north to Orleans County. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses, and plus net deferred loan origination costs. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area. Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received, and the related direct origination costs incurred, are deferred and amortized over the life of the loan using a method that approximates the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan. The loans receivable portfolio is segmented into residential mortgage, commercial, and consumer loans. The residential mortgage segment consists of one- to four-family first-lien residential mortgages and construction loans. Commercial loans consist of the following classes: real estate secured by nonresidential property, real estate secured by multi-family residences, construction, and other commercial and industrial loans. Consumer loans include home equity (both installment loans and lines of credit), residential junior-lien loans, manufactured home loans, automobile, student, and other consumer loans.
Allowance for Loan Losses	g. Allowance for Loan Losses The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the consolidated statement of financial condition date and is recorded as a reduction of loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable is charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Consumer loans not secured by residential real estate are generally charged off no later than 90 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible. Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying amount of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, automobile loans identified in pools by product and underwriting standards, as well as smaller balance homogeneous consumer loans. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative risk factors. These qualitative risk factors include: · Asset quality trends · · · · Each factor is assigned a value to reflect improving, stable, or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. The risk characteristics within the loan portfolio vary depending on the loan segment. Consumer loans generally are repaid from personal sources of income. Risks associated with consumer loans primarily include general economic risks such as declines in the local economy creating higher rates of unemployment. Those conditions may also lead to a decline in collateral values should the Company be required to repossess the collateral securing consumer loans. These economic risks also impact the commercial loan segment, however commercial loans are considered to have greater risk than consumer loans as the primary source of repayment is from the cash flow of the business customer. Real estate loans, including residential mortgages, commercial real estate loans, multi-family, and home equity loans comprise approximately 58% of the portfolio in 2022 and 55% in 2021. Loans secured by real estate provide the best collateral protection and thus significantly reduce the inherent risk in the portfolio. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans, by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. An allowance for loan losses is established for an impaired loan if its carrying amount exceeds its estimated fair value. The estimated fair values of substantially all of the Company’s impaired loans are measured based on the estimated fair value of the loan’s collateral. For commercial loans secured by real estate, including those in construction, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made as to whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal, and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial loans secured by non-real estate collateral, such as accounts receivable, inventory, and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable agings, equipment appraisals, or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer loans for impairment disclosures, unless such loans are the subject of a troubled debt restructuring agreement. Loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally involve a temporary reduction in interest rate or an extension of a loan’s stated maturity date. Loans classified as troubled restructurings are designated as impaired. The indirect automobile program loans and the loans originated under a direct sub-prime automobile program, are evaluated separately from the rest of the consumer loan portfolio. Due to the inherent risk of the program loans, they are evaluated based on the historical losses in the portfolio and discounted collateral values. Since this piece of the portfolio no longer enjoys the participation of the dealers, their continuing reserves, and dealer cooperation, there are no longer available cash reserves accumulated as part of the indirect loan assignment agreements with local dealers. The direct sub-prime automobile program was offered to consumers for approximately nine months in 2014. The program was discontinued after a detailed analysis revealed that the loan type carried higher risk characteristics than the other automobile portfolios. We have analyzed the historical loss factors to date and have assigned higher reserve factors to these loans to represent the associated risk. Reserves for this loan type are based on the rate of delinquency, the prospect of payment established by collection efforts, and discounted collateral values. The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors, and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for all loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful, and loss. Loans classified as special mention have potential weaknesses that deserve management’s close attention. If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as doubtful have all the weaknesses inherent in loans classified as substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. Loans classified as loss are considered uncollectible and are charged to the allowance for loan losses. Loans not classified are rated as pass. In addition, Federal regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
Income Recognition on Impaired and Non-accrual Loans	j. Income Recognition on Impaired and Non-accrual Loans For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on non-accrual status, unpaid interest is reversed and charged to interest income. Interest received on non-accrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six When future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a non-accrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.
Premises and equipment	i. Premises and Equipment Land is carried at cost. Buildings, improvements, and equipment are carried at cost less accumulated depreciation and amortization. Depreciation expense is provided on a straight-line basis over the estimated useful lives of the related assets, which is generally 15 to 40 years for buildings and 3 to 10 years for furniture, equipment, computers, and software. Leasehold improvements, if any, are amortized over the shorter of the terms of the lease or useful life. Maintenance and repairs are charged to operating expenses as incurred. The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income. Premises and equipment are evaluated for impairment whenever events or changes in circumstances indicate that the carrying amount of a particular asset may not be recoverable.
Bank-owned life insurance	j. Bank-owned Life Insurance The Bank invests in bank-owned life insurance (“BOLI”) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a chosen group of employees. The Bank is the owner and beneficiary of the life insurance policies, and as such, the investment is carried at the cash surrender value of the underlying policies. In 2012, the Bank purchased additional BOLI to offset the cost of the director’s retirement plan and the addition of a supplemental executive retirement plan. The 2012 purchase of $2 million in additional BOLI on senior management includes a split-dollar arrangement on a portion of the insurance benefit. The policies are carried at the cash surrender value and the liability for the split dollar arrangement is recorded in other liabilities. Income from the increase in cash surrender value of the policies is included in noninterest income on the consolidated statements of income. One of the Bank’s BOLI policies includes a stable value wrapper policy that provides for book value accounting of the policy’s cash value accumulations with the periodic credit rating adjusted to recapture any losses greater than the stable value wrapper coverage. In the event that the market value falls below the stable value wrapper ratio limit of 87% of our total cash surrender value, the Bank’s book value would be written down to reduce the market value loss to 13%. Decreases in book value are recovered over time through higher crediting rate resets.
Intangible assets and goodwill	k. Intangible Assets and Goodwill Intangible assets represent acquired assets that lack physical substance, but can be distinguished from goodwill because of contractual or other legal rights. The Company’s intangible assets include customer lists and covenants not to compete that were acquired in connection with business acquisitions. Goodwill represents the excess of the cost of an acquisition over the fair value of tangible and identifiable intangible assets acquired in a business combination utilizing purchase accounting. The value of goodwill is tested at least annually for impairment. At December 31, 2022 the value of goodwill recorded was $792,000. As part of recording the purchase of assets and liabilities of Medina Savings and Loan Association at fair value upon the September 29, 2018 merger, Generations Bank recorded a $964,000 Core Deposit Intangible (“CDI”). The CDI valuation method employed a discounted cash flow analysis to determine the fair value of the acquired core deposits to fund operations, versus using comparable term (i.e. term to maturity) wholesale borrowings. A positive valuation results because the overall cost of core deposits (interest rate plus operating expense less other income) is lower than the cost of a laddered portfolio of borrowings structured with the same maturity as the projected core deposit base. As of the Valuation Date, the value of Medina’s core deposits was, in aggregate, $964,000 on a pre-tax basis, equal to 2.50% of the acquired core deposits. This asset is amortized over 15 years in accordance with the fair value analysis provided by a third-party. The Company reviews its identifiable assets for impairment whenever events or circumstances indicate that the carrying value may not be recoverable. Goodwill represents the excess of the cost of an acquisition over the fair value of tangible and identifiable intangible assets acquired in a business combination utilizing purchase accounting. The stock purchase of the John G. Sweeney Agency, Inc. was recorded as goodwill of $792,000. The value of goodwill is tested at least annually for impairment. The MSL merger did not have goodwill. The goodwill will be disposed of upon the completion of the sale of Generations Insurance Agency to The Northwoods Corporation in 2023.
Employee benefit plans	l. Employee Benefit Plans The Bank funds two noncontributory defined benefit pension plans, one plan that accrues benefits for employees of Generations Bank that were hired prior to October 1, 2016 and the second plan that was acquired with the MSL merger and covers MSL employees that were participants of that plan effective September 30, 2018. Both plans have been frozen to new employees and cover eligible Company employees at least 21 years of age and with at least one year of service. Benefits under these plans generally are based on employees’ years of service and compensation. The Bank makes annual contributions to the plans equal to the maximum amount that can be deducted for income tax purposes. The Bank sponsors an Employee Stock Ownership Plan (“ESOP”) covering substantially all full-time employees. Acquisitions of the Holding Company’s common stock for the Plan by the Bank were funded internally through a borrowing from the Holding Company, which is repayable annually with interest over twenty-five years. The cost of shares issued to the ESOP but not allocated to participants is presented in the consolidated statement of financial condition as a reduction of shareholders’ equity. ESOP shares are released to participants proportionately as the loan is repaid. Allocations to individual accounts are based on participant compensation. As shares are committed to be released to participants, the Company reports compensation expense equal to the current market price of the shares and the shares become outstanding for earnings per share computations. The difference between the market price and the cost of shares committed to be released is recorded as an adjustment to additional paid-in-capital. Dividends on allocated shares reduce retained earnings; dividends on unallocated ESOP shares reduce debt and accrued interest. The Bank has a defined contribution plan under section 401(k) of the Internal Revenue Code. This plan covers all Bank employees with at least twelve months of service. The Bank’s contributions to this plan are discretionary and begin after one year of service. Employee contributions are voluntary. Employees vest immediately in their own contributions, and vest in the Bank’s contributions based on years of service. The Company has a Directors Retirement Plan for the benefit of its eligible non-employee members of the Board of Directors of the Company. This plan is an unfunded arrangement and intended to comply with Internal Revenue Code Section 409A. The plan allows for deferred compensation elections and a supplemental contribution by the Bank. The plan has been frozen to new members that joined our Board after our 2018 annual meeting. The Company also has a supplemental executive retirement plan, under Internal Revenue Code Section 409A, for selected officers. This plan is an unfunded arrangement that consists of an annual contribution calculated based on a target benefit.
Foreclosed real estate and repossessed assets	m. Foreclosed Real Estate and Repossessed Assets Real estate and other assets acquired in settlement of loans are carried at the fair value of the property at the date of acquisition less estimated selling costs. The following table represents the detail of such assets at December 31: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Foreclosed real estate ​ $ 12 ​ $ 27 Repossessed assets ​ — ​ — ​ ​ $ 12 ​ $ 27 ​ Write-downs from cost to fair value less estimated selling costs, which are required at the time of foreclosure or repossession, are charged to the allowance for loan losses. Subsequent write-downs to fair value, net of estimated selling costs and the net operating expenses of foreclosed and repossessed assets, are charged to other noninterest expenses and were approximately $15,000 and $7,000 for years ended 2022 and 2021, respectively. At December 31, 2022 there were 13 one- to four-family residential mortgage loans, two home equity loans, one nonresidential loan, and one commercial loan in the process of foreclosure for a total of $1.6 million. At December 31, 2021 there were 12 one- to four-family residential mortgage loans, two home equity loans, two nonresidential loans, and two commercial loans in the process of foreclosure for a total of $1.3 million.
Advertising	n. Advertising The Company follows the policy of charging the costs of advertising to expense as incurred.
Income taxes	o. Income Taxes Deferred income tax assets and liabilities are determined using the liability method. Under this method, the net deferred tax asset or liability is recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases as well as net operating losses, capital losses, and contribution carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. To the extent that current available evidence about the future raises doubt about the likelihood of a deferred tax asset being realized, a valuation allowance is established. The judgment about the level of future taxable income, including that which is considered capital, is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. Interest and penalties are included as a component of noninterest expense if incurred. Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent. The terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. At December 31, 2022 and 2021, the Company had no uncertain tax positions.
Comprehensive income	p. Comprehensive Income Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains, and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and unrecognized gains or losses and prior service credits for the defined benefit pension plan are reported as a separate component of the shareholders’ equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income. The amounts of income tax (expense) benefit allocated to each component of other comprehensive income are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For Years Ended ​ ​ December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ Unrealized gains on securities available-for-sale: ​ ​ Unrealized holding losses arising during the period ​ $ 1,095 ​ $ 133 Reclassification adjustment for net gains included in net income ​ — ​ 2 Net unrealized gains on securities available-for-sale ​ 1,095 ​ 135 Defined benefit pension plan: ​ ​ Net plan (gains) losses arising during the period ​ 366 ​ (231) Reclassification of amortization of net losses and prior service credit recognized in net pension expense ​ — ​ (23) Net change in defined benefit pension plan asset ​ 366 ​ (254) ​ ​ $ 1,461 ​ $ (119) ​ The balances and changes in the components of accumulated other comprehensive income (loss), net of tax, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ Accumulated ​ ​ (Losses) Gains ​ Defined ​ Other Year Ended December 31, ​ on Securities ​ Benefit ​ Comprehensive (In thousands) Available-for-Sale Pension Plan Loss ​ ​ ​ Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) Other comprehensive loss before reclassifications ​ (4,120) ​ (1,381) ​ (5,501) Net current-period other comprehensive loss ​ (4,120) ​ (1,381) ​ (5,501) Balance, December 31, 2022 ​ $ (3,905) ​ $ (2,562) ​ $ (6,467) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ 723 ​ $ (2,138) ​ $ (1,415) Other comprehensive income (loss) before reclassifications ​ (500) ​ 867 ​ 367 Amounts reclassified from AOCI to the income statement ​ (8) ​ 90 ​ 82 Net current-period other comprehensive income (loss) ​ (508) ​ 957 ​ 449 Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) ​
Earnings Per Common Share	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ Accumulated ​ ​ (Losses) Gains ​ Defined ​ Other Year Ended December 31, ​ on Securities ​ Benefit ​ Comprehensive (In thousands) Available-for-Sale Pension Plan Loss ​ ​ ​ Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) Other comprehensive loss before reclassifications ​ (4,120) ​ (1,381) ​ (5,501) Net current-period other comprehensive loss ​ (4,120) ​ (1,381) ​ (5,501) Balance, December 31, 2022 ​ $ (3,905) ​ $ (2,562) ​ $ (6,467) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ 723 ​ $ (2,138) ​ $ (1,415) Other comprehensive income (loss) before reclassifications ​ (500) ​ 867 ​ 367 Amounts reclassified from AOCI to the income statement ​ (8) ​ 90 ​ 82 Net current-period other comprehensive income (loss) ​ (508) ​ 957 ​ 449 Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) ​
Recently Adopted and Recently Issued Accounting Pronouncements.	r. Recently Adopted and Recently Issued Accounting Pronouncements In September 2016, the FASB issued ASU No. 2016-13, “Measurement of Credit Losses on Financial Instruments.” This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. In issuing the standard, the FASB is responding to criticism that today’s guidance delays recognition of credit losses. The standard will replace today’s “incurred loss” approach with an “expected loss” model. The new model, referred to as the current expected credit loss (“CECL”) model, will apply to: (1) financial assets subject to credit losses and measured at amortized cost, and (2) certain off-balance sheet credit exposures. This includes, but is not limited to, loans, leases, held-to-maturity securities, loan commitments, and financial guarantees. In addition, the amended guidance requires credit losses relating to available-for-sale debt securities to be recorded through an allowance for credit losses. The calculation of credit losses for available-for-sale securities will be similar to how it is determined under existing guidance. The ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans. ASU 2016-13 also expands the disclosure requirements regarding an entity’s assumptions, models, and methods for estimating the allowance for loan and lease losses. In addition, entities will need to disclose the amortized cost balance for each class of financial asset by credit quality indicator, disaggregated by the year of origination. ASU No. 2016-13 is effective for public business entities that are U.S. Securities and Exchange Commission (“SEC”) filers for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For SEC filers that are Smaller Reporting Companies, such as the Company, all other public business entities, and other non-public entities, the amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. Entities will apply the standard’s provisions as a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (i.e., modified retrospective approach). The Allowance for Loan Losses (“ALL”) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company has changed its processes and procedures to calculate the allowance for credit losses, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company has developed its approach for determining expected credit losses under the new guidance, including the licensing of new software, working on model development, model validation, development of a qualitative framework, and data sourcing. The total impact of CECL to the Company’s financial statements is known and is not deemed to be material. The Company adopted CECL effective January 1, 2023. For additional information on the allowance for loan losses, see Notes 5 and 6 to these condensed consolidated financial statements.
Reclassification	s. Reclassifications Certain reclassifications have been made to the 2021 consolidated financial statements to conform to the 2022 consolidated financial statement presentation. These reclassifications had no effect on net earnings.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies
Summary of Foreclosed real estate and repossessed assets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Foreclosed real estate ​ $ 12 ​ $ 27 Repossessed assets ​ — ​ — ​ ​ $ 12 ​ $ 27 ​
Income tax (expense) benefit allocated to component of other comprehensive income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For Years Ended ​ ​ December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ Unrealized gains on securities available-for-sale: ​ ​ Unrealized holding losses arising during the period ​ $ 1,095 ​ $ 133 Reclassification adjustment for net gains included in net income ​ — ​ 2 Net unrealized gains on securities available-for-sale ​ 1,095 ​ 135 Defined benefit pension plan: ​ ​ Net plan (gains) losses arising during the period ​ 366 ​ (231) Reclassification of amortization of net losses and prior service credit recognized in net pension expense ​ — ​ (23) Net change in defined benefit pension plan asset ​ 366 ​ (254) ​ ​ $ 1,461 ​ $ (119) ​
Schedule of Other comprehensive loss information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ Accumulated ​ ​ (Losses) Gains ​ Defined ​ Other Year Ended December 31, ​ on Securities ​ Benefit ​ Comprehensive (In thousands) Available-for-Sale Pension Plan Loss ​ ​ ​ Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) Other comprehensive loss before reclassifications ​ (4,120) ​ (1,381) ​ (5,501) Net current-period other comprehensive loss ​ (4,120) ​ (1,381) ​ (5,501) Balance, December 31, 2022 ​ $ (3,905) ​ $ (2,562) ​ $ (6,467) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ 723 ​ $ (2,138) ​ $ (1,415) Other comprehensive income (loss) before reclassifications ​ (500) ​ 867 ​ 367 Amounts reclassified from AOCI to the income statement ​ (8) ​ 90 ​ 82 Net current-period other comprehensive income (loss) ​ (508) ​ 957 ​ 449 Balance, December 31, 2021 ​ $ 215 ​ $ (1,181) ​ $ (966) ​
Schedule of calculation of basic and diluted earnings per share	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands, except per share data) ​ 2022 ​ 2021 Net income available to common stockholders ​ $ 1,087 ​ $ 1,413 Weighted-average common shares outstanding ​ ​ 2,310 ​ ​ 2,352 Earnings per common share - basic and diluted ​ $ 0.47 ​ $ 0.60 ​

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Securities
Schedule of investments in securities available-for-sale and held-to-maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage-backed - US agency and Government Sponsored Enterprise ("GSE") ​ $ 25 ​ $ — ​ $ (1) ​ $ 24 Corporate bonds ​ ​ 21,032 ​ ​ 58 ​ ​ (2,896) ​ ​ 18,194 State and political subdivisions ​ 16,935 ​ 2 ​ (2,105) ​ 14,832 Total securities available-for-sale ​ $ 37,992 ​ $ 60 ​ $ (5,002) ​ $ 33,050 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held-to-maturity: ​ ​ ​ ​ Structured certificates of deposit ​ $ 650 ​ $ — ​ $ (252) ​ $ 398 Residential mortgage-backed - US agency and GSEs ​ ​ 937 ​ ​ 1 ​ ​ (35) ​ ​ 903 Total securities held-to-maturity ​ $ 1,587 ​ $ 1 ​ $ (287) ​ $ 1,301 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities: ​ ​ ​ ​ Large cap equity mutual fund ​ $ 37 ​ ​ ​ $ 37 Other mutual funds ​ 270 ​ ​ ​ 270 Total of equity securities ​ $ 307 ​ ​ ​ $ 307 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ 33 ​ $ 1 ​ $ (1) ​ $ 33 Corporate bonds ​ ​ 18,589 ​ ​ 266 ​ ​ (812) ​ ​ 18,043 State and political subdivisions ​ 18,081 ​ 887 ​ (69) ​ 18,899 Total securities available-for-sale ​ $ 36,703 ​ $ 1,154 ​ $ (882) ​ $ 36,975 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Securities held-to-maturity: ​ ​ ​ ​ Structured certificates of deposit ​ $ 650 ​ $ — ​ $ (79) ​ $ 571 Residential mortgage-backed - US agency and GSEs ​ ​ 1,128 ​ ​ 25 ​ ​ (3) ​ ​ 1,150 Total securities held-to-maturity ​ $ 1,778 ​ $ 25 ​ $ (82) ​ $ 1,721 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities: ​ ​ ​ ​ Large cap equity mutual fund ​ $ 45 ​ ​ ​ $ 45 Other mutual funds ​ 305 ​ ​ ​ 305 Total of equity securities ​ $ 350 ​ ​ ​ $ 350 ​
Schedule of gross unrealized losses on investment securities and the fair value of the related securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ 12 Months or Less ​ More than 12 Months ​ Total ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ Gross ​ ​ ​ ​ Gross ​ Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: ​ ​ ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ — ​ $ 19 ​ $ (1) ​ $ 19 ​ $ (1) Corporate bonds ​ ​ 7,028 ​ ​ (725) ​ ​ 8,105 ​ ​ (2,171) ​ ​ 15,133 ​ ​ (2,896) State and political subdivisions ​ 10,330 ​ (1,421) ​ 4,133 ​ (684) ​ 14,463 ​ (2,105) Total securities available-for-sale ​ $ 17,358 ​ $ (2,146) ​ $ 12,257 ​ $ (2,856) ​ $ 29,615 ​ $ (5,002) Securities held-to-maturity: ​ ​ ​ ​ ​ ​ Structured certificates of deposit ​ $ — ​ $ — ​ $ 398 ​ $ (252) ​ $ 398 ​ $ (252) Residential mortgage-backed - US agency and GSEs ​ ​ 691 ​ ​ (26) ​ ​ 206 ​ ​ (9) ​ ​ 897 ​ ​ (35) Total securities held-to-maturity ​ $ 691 ​ $ (26) ​ $ 604 ​ $ (261) ​ $ 1,295 ​ $ (287) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ 12 Months or Less ​ More than 12 Months ​ Total ​ ​ ​ ​ Gross ​ ​ ​ Gross ​ ​ ​ Gross ​ Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: ​ ​ ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ — ​ $ 23 ​ $ (1) ​ $ 23 ​ $ (1) Corporate bonds ​ ​ 9,925 ​ ​ (812) ​ ​ — ​ ​ — ​ ​ 9,925 ​ ​ (812) State and political subdivisions ​ 4,774 ​ (69) ​ — ​ — ​ 4,774 ​ (69) Total securities available-for-sale ​ $ 14,699 ​ $ (881) ​ $ 23 ​ $ (1) ​ $ 14,722 ​ $ (882) Securities held-to-maturity: ​ ​ ​ ​ ​ ​ Structured certificates of deposit ​ $ 571 ​ $ (79) ​ $ — ​ $ — ​ $ 571 ​ $ (79) Residential mortgage-backed - US agency and GSEs ​ ​ — ​ ​ — ​ ​ 156 ​ ​ (3) ​ ​ 156 ​ ​ (3) Total securities held-to-maturity ​ $ 571 ​ $ (79) ​ $ 156 ​ $ (3) ​ $ 727 ​ $ (82) ​
Summary of the amortized cost and estimated fair values of debt securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ Securities ​ Securities ​ Available-for-Sale Held-to-Maturity ​ Amortized Estimated Amortized Estimated (in thousands) Cost Fair Value Cost Fair Value Due in one year or less ​ $ 431 ​ $ 426 ​ $ — ​ $ — Due over one year through five years ​ 3,151 ​ 3,004 ​ — ​ — Due over five through ten years ​ 4,343 ​ 3,593 ​ — ​ — Due after ten years ​ 30,042 ​ 26,003 ​ — ​ — ​ ​ 37,967 ​ 33,026 ​ — ​ — Structured certificates of deposit ​ ​ — ​ ​ — ​ ​ 650 ​ ​ 398 Residential mortgage-backed securities ​ 25 ​ 24 ​ 937 ​ 903 Total ​ $ 37,992 ​ $ 33,050 ​ $ 1,587 ​ $ 1,301 ​
Gross realized gains (losses) on sales and redemptions of securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ Realized gains ​ $ — ​ $ 10 ​ ​ $ — ​ $ 10 ​

Loans Receivable (Tables)

Loans Receivable (Tables)	12 Months Ended
	Dec. 31, 2022
Loans Receivable
Schedule of major classifications of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ Originated Loans: ​ ​ Residential mortgages: ​ ​ One- to four-family ​ $ 129,448 ​ $ 102,766 Construction ​ 387 ​ — ​ ​ 129,835 ​ 102,766 Commercial loans: ​ ​ Real estate - nonresidential ​ 15,262 ​ 19,734 Multi-family ​ 854 ​ 456 Commercial business ​ 11,594 ​ 12,366 ​ ​ 27,710 ​ 32,556 Consumer: ​ ​ Home equity and junior liens ​ 11,027 ​ 8,840 Manufactured homes ​ 50,989 ​ 47,717 Automobile ​ 24,339 ​ 22,666 Student ​ 1,803 ​ 2,096 Recreational vehicle ​ ​ 26,909 ​ ​ 29,463 Other consumer ​ 7,125 ​ 5,408 ​ ​ 122,192 ​ 116,190 Total originated loans ​ 279,737 ​ 251,512 Net deferred loan costs ​ 16,274 ​ 15,650 Less allowance for loan losses ​ (2,497) ​ (1,841) Net originated loans ​ $ 293,514 ​ $ 265,321 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Acquired Loans: ​ ​ ​ ​ Residential mortgages: ​ ​ One- to four-family ​ $ 8,553 ​ $ 10,295 ​ ​ 8,553 ​ 10,295 Commercial loans: ​ ​ Real estate - nonresidential ​ 1,419 ​ 1,744 Commercial business ​ 83 ​ 162 ​ ​ 1,502 ​ 1,906 Consumer: ​ ​ Home equity and junior liens ​ 535 ​ 861 Other consumer ​ 47 ​ 84 ​ ​ 582 ​ 945 Total acquired loans ​ 10,637 ​ 13,146 Net deferred loan costs ​ (53) ​ (60) Fair value credit and yield adjustment ​ (218) ​ (287) Net acquired loans ​ $ 10,366 ​ $ 12,799 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Total Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ One- to four-family ​ $ 138,001 ​ $ 113,061 Construction ​ 387 ​ — ​ ​ 138,388 ​ 113,061 Commercial loans: ​ ​ Real estate - nonresidential ​ 16,681 ​ 21,478 Multi-family ​ 854 ​ 456 Commercial business ​ 11,677 ​ 12,528 ​ ​ 29,212 ​ 34,462 Consumer: ​ ​ Home equity and junior liens ​ 11,562 ​ 9,701 Manufactured homes ​ 50,989 ​ 47,717 Automobile ​ 24,339 ​ 22,666 Student ​ 1,803 ​ 2,096 Recreational vehicle ​ ​ 26,909 ​ ​ 29,463 Other consumer ​ 7,172 ​ 5,492 ​ ​ 122,774 ​ 117,135 Total Loans ​ 290,374 ​ 264,658 Net deferred loan costs ​ 16,221 ​ 15,590 Fair value credit and yield adjustment ​ (218) ​ (287) Less allowance for loan losses ​ (2,497) ​ (1,841) Loans receivable, net ​ $ 303,880 ​ $ 278,120 ​
Summary of loan portfolio by Company's internal risk rating system	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 125,949 ​ $ 1,066 ​ $ 2,433 ​ $ — ​ $ 129,448 Construction ​ 387 ​ — ​ — ​ — ​ 387 ​ ​ 126,336 ​ 1,066 ​ 2,433 ​ — ​ 129,835 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 12,870 ​ 1,691 ​ 701 ​ — ​ 15,262 Multi-family ​ 854 ​ — ​ — ​ — ​ 854 Commercial business ​ 8,349 ​ 2,529 ​ 716 ​ — ​ 11,594 ​ ​ 22,073 ​ 4,220 ​ 1,417 ​ — ​ 27,710 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 10,891 ​ 14 ​ 122 ​ — ​ 11,027 Manufactured homes ​ 50,297 ​ 324 ​ 368 ​ — ​ 50,989 Automobile ​ 24,188 ​ 130 ​ 21 ​ — ​ 24,339 Student ​ 1,735 ​ — ​ 68 ​ — ​ 1,803 Recreational vehicle ​ ​ 26,445 ​ ​ 329 ​ ​ 135 ​ ​ — ​ ​ 26,909 Other consumer ​ 7,004 ​ 121 ​ — ​ — ​ 7,125 ​ ​ 120,560 ​ 918 ​ 714 ​ — ​ 122,192 Total originated loans ​ $ 268,969 ​ $ 6,204 ​ $ 4,564 ​ $ — ​ $ 279,737 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 8,335 ​ $ 45 ​ $ 173 ​ $ — ​ $ 8,553 ​ ​ 8,335 ​ 45 ​ 173 ​ — ​ 8,553 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 1,419 ​ — ​ — ​ — ​ 1,419 Commercial business ​ 83 ​ — ​ — ​ — ​ 83 ​ ​ 1,502 ​ — ​ — ​ — ​ 1,502 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 485 ​ — ​ 50 ​ — ​ 535 Other consumer ​ 47 ​ — ​ — ​ — ​ 47 ​ ​ 532 ​ — ​ 50 ​ — ​ 582 Total acquired loans ​ $ 10,369 ​ $ 45 ​ $ 223 ​ $ — ​ $ 10,637 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Total Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 134,284 ​ $ 1,111 ​ $ 2,606 ​ $ — ​ $ 138,001 Construction ​ 387 ​ — ​ — ​ — ​ 387 ​ ​ 134,671 ​ 1,111 ​ 2,606 ​ — ​ 138,388 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 14,289 ​ 1,691 ​ 701 ​ — ​ 16,681 Multi-family ​ 854 ​ — ​ — ​ — ​ 854 Commercial business ​ 8,432 ​ 2,529 ​ 716 ​ — ​ 11,677 ​ ​ 23,575 ​ 4,220 ​ 1,417 ​ — ​ 29,212 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 11,376 ​ 14 ​ 172 ​ — ​ 11,562 Manufactured homes ​ 50,297 ​ 324 ​ 368 ​ — ​ 50,989 Automobile ​ 24,188 ​ 130 ​ 21 ​ — ​ 24,339 Student ​ 1,735 ​ — ​ 68 ​ — ​ 1,803 Recreational vehicle ​ ​ 26,445 ​ ​ 329 ​ ​ 135 ​ ​ — ​ ​ 26,909 Other consumer ​ 7,051 ​ 121 ​ — ​ — ​ 7,172 ​ ​ 121,092 ​ 918 ​ 764 ​ — ​ 122,774 Total loans ​ $ 279,338 ​ $ 6,249 ​ $ 4,787 ​ $ — ​ $ 290,374 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 99,294 ​ $ 1,110 ​ $ 2,362 ​ $ — ​ $ 102,766 ​ ​ 99,294 ​ 1,110 ​ 2,362 ​ — ​ 102,766 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 14,464 ​ 3,045 ​ 2,225 ​ — ​ 19,734 Multi-family ​ 456 ​ — ​ — ​ — ​ 456 Commercial business ​ 10,256 ​ 1,112 ​ 998 ​ — ​ 12,366 ​ ​ 25,176 ​ 4,157 ​ 3,223 ​ — ​ 32,556 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 8,753 ​ 41 ​ 46 ​ — ​ 8,840 Manufactured homes ​ 47,717 ​ — ​ — ​ — ​ 47,717 Automobile ​ 22,558 ​ 64 ​ 44 ​ — ​ 22,666 Student ​ 2,096 ​ — ​ — ​ — ​ 2,096 Recreational vehicle ​ ​ 29,424 ​ ​ 39 ​ ​ — ​ ​ — ​ ​ 29,463 Other consumer ​ 5,376 ​ 32 ​ — ​ — ​ 5,408 ​ ​ 115,924 ​ 176 ​ 90 ​ — ​ 116,190 Total originated loans ​ $ 240,394 ​ $ 5,443 ​ $ 5,675 ​ $ — ​ $ 251,512 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 10,038 ​ $ 42 ​ $ 215 ​ $ — ​ $ 10,295 ​ ​ 10,038 ​ 42 ​ 215 ​ — ​ 10,295 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 1,744 ​ — ​ — ​ — ​ 1,744 Commercial business ​ 162 ​ — ​ — ​ — ​ 162 ​ ​ 1,906 ​ — ​ — ​ — ​ 1,906 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 841 ​ — ​ 20 ​ — ​ 861 Other consumer ​ 84 ​ — ​ — ​ — ​ 84 ​ ​ 925 ​ — ​ 20 ​ — ​ 945 Total acquired loans ​ $ 12,869 ​ $ 42 ​ $ 235 ​ $ — ​ $ 13,146 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ ​ ​ (In thousands) Pass Mention Substandard Doubtful Total Total Loans: ​ ​ ​ ​ ​ Residential mortgages: ​ ​ ​ ​ ​ One- to four-family ​ $ 109,332 ​ $ 1,152 ​ $ 2,577 ​ $ — ​ $ 113,061 ​ ​ 109,332 ​ 1,152 ​ 2,577 ​ — ​ 113,061 Commercial loans: ​ ​ ​ ​ ​ Real estate - nonresidential ​ 16,208 ​ 3,045 ​ 2,225 ​ — ​ 21,478 Multi-family ​ 456 ​ — ​ — ​ — ​ 456 Commercial business ​ 10,418 ​ 1,112 ​ 998 ​ — ​ 12,528 ​ ​ 27,082 ​ 4,157 ​ 3,223 ​ — ​ 34,462 Consumer: ​ ​ ​ ​ ​ Home equity and junior liens ​ 9,594 ​ 41 ​ 66 ​ — ​ 9,701 Manufactured homes ​ 47,717 ​ — ​ — ​ — ​ 47,717 Automobile ​ 22,558 ​ 64 ​ 44 ​ — ​ 22,666 Student ​ 2,096 ​ — ​ — ​ — ​ 2,096 Recreational vehicle ​ ​ 29,424 ​ ​ 39 ​ ​ — ​ ​ — ​ ​ 29,463 Other consumer ​ 5,460 ​ 32 ​ — ​ — ​ 5,492 ​ ​ 116,849 ​ 176 ​ 110 ​ — ​ 117,135 Total loans ​ $ 253,263 ​ $ 5,485 ​ $ 5,910 ​ $ — ​ $ 264,658 ​
Schedule of age analysis of past due loans, segregated by class of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days 60-89 Days or More Total Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 2,967 ​ $ 1,158 ​ $ 2,432 ​ $ 6,557 ​ $ 122,891 ​ $ 129,448 Construction ​ — ​ — ​ — ​ — ​ 387 ​ 387 ​ ​ 2,967 ​ 1,158 ​ 2,432 ​ 6,557 ​ 123,278 ​ 129,835 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 254 ​ — ​ 416 ​ 670 ​ 14,592 ​ 15,262 Multi-family ​ — ​ — ​ — ​ — ​ 854 ​ 854 Commercial business ​ 129 ​ — ​ 158 ​ 287 ​ 11,307 ​ 11,594 ​ ​ 383 ​ — ​ 574 ​ 957 ​ 26,753 ​ 27,710 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 193 ​ 85 ​ 122 ​ 400 ​ 10,627 ​ 11,027 Manufactured homes ​ 696 ​ 324 ​ 368 ​ 1,388 ​ 49,601 ​ 50,989 Automobile ​ 402 ​ 130 ​ 21 ​ 553 ​ 23,786 ​ 24,339 Student ​ — ​ — ​ 68 ​ 68 ​ 1,735 ​ 1,803 Recreational vehicle ​ ​ 1,005 ​ ​ 329 ​ ​ 135 ​ ​ 1,469 ​ ​ 25,440 ​ ​ 26,909 Other consumer ​ 95 ​ 122 ​ — ​ 217 ​ 6,908 ​ 7,125 ​ ​ 2,391 ​ 990 ​ 714 ​ 4,095 ​ 118,097 ​ 122,192 Total originated loans ​ $ 5,741 ​ $ 2,148 ​ $ 3,720 ​ $ 11,609 ​ $ 268,128 ​ $ 279,737 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 268 ​ $ 103 ​ $ 173 ​ $ 544 ​ $ 8,009 ​ $ 8,553 ​ ​ 268 ​ 103 ​ 173 ​ 544 ​ 8,009 ​ 8,553 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ — ​ — ​ — ​ — ​ 1,419 ​ 1,419 Commercial business ​ — ​ — ​ — ​ — ​ 83 ​ 83 ​ ​ — ​ — ​ — ​ — ​ 1,502 ​ 1,502 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ — ​ — ​ 50 ​ 50 ​ 485 ​ 535 Other consumer ​ 8 ​ — ​ — ​ 8 ​ 39 ​ 47 ​ ​ 8 ​ — ​ 50 ​ 58 ​ 524 ​ 582 Total acquired loans ​ $ 276 ​ $ 103 ​ $ 223 ​ $ 602 ​ $ 10,035 ​ $ 10,637 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 3,235 ​ $ 1,261 ​ $ 2,605 ​ $ 7,101 ​ $ 130,900 ​ $ 138,001 Construction ​ — ​ — ​ — ​ — ​ 387 ​ 387 ​ ​ 3,235 ​ 1,261 ​ 2,605 ​ 7,101 ​ 131,287 ​ 138,388 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 254 ​ — ​ 416 ​ 670 ​ 16,011 ​ 16,681 Multi-family ​ — ​ — ​ — ​ — ​ 854 ​ 854 Commercial business ​ 129 ​ — ​ 158 ​ 287 ​ 11,390 ​ 11,677 ​ ​ 383 ​ — ​ 574 ​ 957 ​ 28,255 ​ 29,212 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 193 ​ 85 ​ 172 ​ 450 ​ 11,112 ​ 11,562 Manufactured homes ​ 696 ​ 324 ​ 368 ​ 1,388 ​ 49,601 ​ 50,989 Automobile ​ 402 ​ 130 ​ 21 ​ 553 ​ 23,786 ​ 24,339 Student ​ — ​ — ​ 68 ​ 68 ​ 1,735 ​ 1,803 Recreational vehicle ​ ​ 1,005 ​ ​ 329 ​ ​ 135 ​ ​ 1,469 ​ ​ 25,440 ​ ​ 26,909 Other consumer ​ 103 ​ 122 ​ — ​ 225 ​ 6,947 ​ 7,172 ​ ​ 2,399 ​ 990 ​ 764 ​ 4,153 ​ 118,621 ​ 122,774 Total loans ​ $ 6,017 ​ $ 2,251 ​ $ 3,943 ​ $ 12,211 ​ $ 278,163 ​ $ 290,374 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days 60-89 Days or More Total Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 3,137 ​ $ 757 ​ $ 2,362 ​ $ 6,256 ​ $ 96,510 ​ $ 102,766 ​ ​ 3,137 ​ 757 ​ 2,362 ​ 6,256 ​ 96,510 ​ 102,766 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 389 ​ — ​ 416 ​ 805 ​ 18,929 ​ 19,734 Multi-family ​ — ​ — ​ — ​ — ​ 456 ​ 456 Commercial business ​ — ​ 8 ​ 161 ​ 169 ​ 12,197 ​ 12,366 ​ ​ 389 ​ 8 ​ 577 ​ 974 ​ 31,582 ​ 32,556 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 149 ​ 31 ​ 46 ​ 226 ​ 8,614 ​ 8,840 Manufactured homes ​ 922 ​ 615 ​ — ​ 1,537 ​ 46,180 ​ 47,717 Automobile ​ 168 ​ 64 ​ 44 ​ 276 ​ 22,390 ​ 22,666 Student ​ 95 ​ — ​ — ​ 95 ​ 2,001 ​ 2,096 Recreational vehicle ​ ​ 605 ​ ​ 39 ​ ​ — ​ ​ 644 ​ ​ 28,819 ​ ​ 29,463 Other consumer ​ 75 ​ 32 ​ — ​ 107 ​ 5,301 ​ 5,408 ​ ​ 2,014 ​ 781 ​ 90 ​ 2,885 ​ 113,305 ​ 116,190 Total originated loans ​ $ 5,540 ​ $ 1,546 ​ $ 3,029 ​ $ 10,115 ​ $ 241,397 ​ $ 251,512 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 318 ​ $ 68 ​ $ 215 ​ $ 601 ​ $ 9,694 ​ $ 10,295 ​ ​ 318 ​ 68 ​ 215 ​ 601 ​ 9,694 ​ 10,295 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ — ​ — ​ — ​ — ​ 1,744 ​ 1,744 Commercial business ​ 27 ​ — ​ — ​ 27 ​ 135 ​ 162 ​ ​ 27 ​ — ​ — ​ 27 ​ 1,879 ​ 1,906 ​ ​ ​ ​ ​ ​ ​ Consumer loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ — ​ — ​ 20 ​ 20 ​ 841 ​ 861 Other consumer ​ — ​ — ​ — ​ — ​ 84 ​ 84 ​ ​ ​ — ​ ​ — ​ ​ 20 ​ ​ 20 ​ ​ 925 ​ ​ 945 Total acquired loans ​ $ 345 ​ $ 68 ​ $ 235 ​ $ 648 ​ $ 12,498 ​ $ 13,146 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ or More ​ Total ​ Total Loans ​ Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ ​ One- to four-family ​ $ 3,455 ​ $ 825 ​ $ 2,577 ​ $ 6,857 ​ $ 106,204 ​ $ 113,061 ​ ​ 3,455 ​ 825 ​ 2,577 ​ 6,857 ​ 106,204 ​ 113,061 Commercial loans: ​ ​ ​ ​ ​ ​ Real estate - nonresidential ​ 389 ​ — ​ 416 ​ 805 ​ 20,673 ​ 21,478 Multi-family ​ — ​ — ​ — ​ — ​ 456 ​ 456 Commercial business ​ 27 ​ 8 ​ 161 ​ 196 ​ 12,332 ​ 12,528 ​ ​ 416 ​ 8 ​ 577 ​ 1,001 ​ 33,461 ​ 34,462 Consumer loans: ​ ​ ​ ​ ​ ​ Home equity and junior liens ​ 149 ​ 31 ​ 66 ​ 246 ​ 9,455 ​ 9,701 Manufactured homes ​ 922 ​ 615 ​ — ​ 1,537 ​ 46,180 ​ 47,717 Automobile ​ 168 ​ 64 ​ 44 ​ 276 ​ 22,390 ​ 22,666 Student ​ 95 ​ — ​ — ​ 95 ​ 2,001 ​ 2,096 Recreational vehicle ​ ​ 605 ​ ​ 39 ​ ​ — ​ ​ 644 ​ ​ 28,819 ​ ​ 29,463 Other consumer ​ 75 ​ 32 ​ — ​ 107 ​ 5,385 ​ 5,492 ​ ​ 2,014 ​ 781 ​ 110 ​ 2,905 ​ 114,230 ​ 117,135 Total loans ​ $ 5,885 ​ $ 1,614 ​ $ 3,264 ​ $ 10,763 ​ $ 253,895 ​ $ 264,658 ​
Non-accrual loans, segregated by class of loan	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, ​ (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans: ​ ​ ​ ​ ​ One- to four-family ​ $ 2,605 ​ $ 2,577 ​ ​ ​ 2,605 ​ 2,577 ​ Commercial loans: ​ ​ ​ Real estate - nonresidential ​ 416 ​ 416 ​ Commercial business ​ 587 ​ 161 ​ ​ ​ 1,003 ​ 577 ​ Consumer loans: ​ ​ ​ Home equity and junior liens ​ 172 ​ 66 ​ Manufactured homes ​ 368 ​ — ​ Automobile ​ 21 ​ 44 ​ Student ​ 68 ​ — ​ Recreational vehicle ​ ​ 135 ​ ​ — ​ ​ ​ 764 ​ 110 ​ Total non-accrual loans ​ $ 4,372 ​ $ 3,264 ​ ​
Schedule of loans modified as troubled debt restructuring	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Post- ​ ​ ​ ​ ​ ​ ​ ​ Pre-Modification ​ ​ Modification ​ ​ Current ​ ​ ​ ​ ​ Outstanding ​ ​ Outstanding ​ ​ Outstanding ​ ​ Number of ​ ​ Recorded ​ ​ Recorded ​ ​ Recorded ​ ​ Contracts ​ ​ Investment ​ ​ Investment ​ ​ Investment One- to four-family residential mortgages ​ 4 ​ $ 336 ​ $ 336 ​ $ — Commercial business ​ 3 ​ ​ 46 ​ ​ 46 ​ ​ — ​
Summary of impaired loans information by portfolio class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ ​ Recorded ​ Principal ​ Related (In thousands) Investment Balance Allowance ​ ​ ​ ​ ​ ​ ​ With no related allowance recorded: ​ ​ ​ One- to four-family residential mortgages ​ $ 2,560 ​ $ 2,641 ​ $ — Commercial real estate - nonresidential ​ 701 ​ 801 ​ — Commercial business ​ 717 ​ 729 ​ — Home equity and junior liens ​ 181 ​ 191 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ One- to four-family residential mortgages ​ 2,560 ​ 2,641 ​ — Commercial real estate - nonresidential ​ 701 ​ 801 ​ — Commercial business ​ 717 ​ 729 ​ — Home equity and junior liens ​ 181 ​ 191 ​ — ​ ​ $ 4,159 ​ $ 4,362 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Related (In thousands) Investment Balance Allowance With no related allowance recorded: ​ ​ ​ ​ ​ ​ One- to four-family residential mortgages ​ $ 2,352 ​ $ 2,423 ​ $ — Commercial real estate - nonresidential ​ 416 ​ 516 ​ — Commercial business ​ 73 ​ 73 ​ — Home equity and junior liens ​ 67 ​ 67 ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With an allowance recorded: ​ ​ ​ One- to four-family residential mortgages ​ 224 ​ 224 ​ 7 Commercial business ​ 55 ​ 55 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total: ​ ​ ​ One- to four-family residential mortgages ​ 2,576 ​ 2,647 ​ 7 Commercial real estate - nonresidential ​ 416 ​ 516 ​ — Commercial business ​ 128 ​ 128 ​ 12 Home equity and junior liens ​ 67 ​ 67 ​ — ​ ​ $ 3,187 ​ $ 3,358 ​ $ 19 ​ The following table represents the average recorded investment in impaired loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 ​ 2021 ​ ​ One- to four-family residential mortgages ​ $ 2,562 ​ $ 2,607 Commercial real estate - nonresidential ​ 708 ​ 416 Commercial business ​ 764 ​ 130 Home equity and junior liens ​ 181 ​ 71 ​ ​ $ 4,215 ​ $ 3,224 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ One- to four-family residential mortgages ​ $ 63 ​ $ 78 Commercial real estate - nonresidential ​ 16 ​ 1 Commercial business ​ ​ 33 ​ ​ 1 Home equity and junior liens ​ ​ 3 ​ ​ 2 ​ ​ $ 115 ​ $ 82

Allowance for Loan Loss (Tables

Allowance for Loan Loss (Tables)	12 Months Ended
	Dec. 31, 2022
Allowance for Loan Loss
Changes in the allowance for loan losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2022 ​ ​ One- to four- ​ Construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family ​ residential ​ Real estate ​ ​ ​ Construction ​ Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 688 ​ $ — ​ $ 630 $ 2 ​ $ — ​ $ 161 Charge-offs ​ (37) ​ — ​ — ​ — ​ — ​ (14) Recoveries ​ 18 ​ — ​ — ​ — ​ — ​ 2 Provision (credit) for loan losses ​ 118 ​ 2 ​ (311) ​ 2 ​ — ​ 99 Ending balance ​ $ 787 ​ $ 2 ​ $ 319 $ 4 ​ $ — ​ $ 248 Ending balance: related to loans individually evaluated for impairment ​ $ — ​ $ — ​ $ — $ — ​ $ — ​ $ — Ending balance: related to loans collectively evaluated for impairment ​ $ 787 ​ $ 2 ​ $ 319 $ 4 ​ $ — ​ $ 248 Loans receivable: ​ ​ ​ ​ ​ ​ Ending balance ​ $ 138,001 ​ $ 387 ​ $ 16,681 $ 854 ​ $ — ​ $ 11,677 Ending balance: individually evaluated for impairment ​ $ 2,560 ​ $ — ​ $ 701 $ — ​ $ — ​ $ 717 Ending balance: collectively evaluated for impairment ​ $ 135,441 ​ $ 387 ​ $ 15,980 $ 854 ​ $ — ​ $ 10,960 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2022 (cont'd) ​ ​ Home equity ​ Manufactured ​ ​ ​ ​ ​ ​ ​ Recreational ​ Other ​ ​ ​ ​ ​ ​ (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 39 ​ $ 102 ​ $ 107 ​ $ 64 ​ $ — ​ $ 48 ​ $ — ​ $ 1,841 Charge-offs ​ (10) ​ — ​ (59) ​ (29) ​ (1) ​ (2) ​ — ​ (152) Recoveries ​ — ​ — ​ 149 ​ 3 ​ 1 ​ 4 ​ — ​ 177 Provision (credit) for loan losses ​ 36 ​ 8 ​ (62) ​ 17 ​ 646 ​ 76 ​ — ​ 631 Ending balance ​ $ 65 ​ $ 110 ​ $ 135 ​ $ 55 ​ $ 646 ​ $ 126 ​ $ — ​ $ 2,497 Ending balance: related to loans individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Ending balance: related to loans collectively evaluated for impairment ​ $ 65 ​ $ 110 ​ $ 135 ​ $ 55 ​ $ 646 ​ $ 126 ​ $ — ​ $ 2,497 Loans receivable: ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 11,562 ​ $ 50,989 ​ $ 24,339 ​ $ 1,803 ​ $ 26,909 ​ $ 7,172 ​ $ — ​ $ 290,374 Ending balance: individually evaluated for impairment ​ $ 181 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 4,159 Ending balance: collectively evaluated for impairment ​ $ 11,381 ​ $ 50,989 ​ $ 24,339 ​ $ 1,803 ​ $ 26,909 ​ $ 7,172 ​ $ — ​ $ 286,215 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2021 ​ ​ One- to four- ​ Construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ family residential Real estate ​ Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 457 ​ $ — ​ $ 319 $ 26 ​ $ — ​ $ 617 Charge-offs ​ (117) ​ — ​ (386) ​ — ​ — ​ (84) Recoveries ​ 28 ​ — ​ 16 ​ 12 ​ — ​ 7 Provision (credit) for loan losses ​ 320 ​ — ​ 681 ​ (36) ​ — ​ (379) Ending balance ​ $ 688 ​ $ — ​ $ 630 $ 2 ​ $ — ​ $ 161 Ending balance: related to loans individually evaluated for impairment ​ $ 7 ​ $ — ​ $ — $ — ​ $ — ​ $ 12 Ending balance: related to loans collectively evaluated for impairment ​ $ 681 ​ $ — ​ $ 630 $ 2 ​ $ — ​ $ 149 Loans receivable: ​ ​ ​ ​ ​ ​ Ending balance ​ $ 113,061 ​ $ — ​ $ 21,478 $ 456 ​ $ — ​ $ 12,528 Ending balance: individually evaluated for impairment ​ $ 2,576 ​ $ — ​ $ 416 $ — ​ $ — ​ $ 128 Ending balance: collectively evaluated for impairment ​ $ 110,485 ​ $ — ​ $ 21,062 $ 456 ​ $ — ​ $ 12,400 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2021 (cont'd) ​ ​ Home equity ​ Manufactured ​ ​ ​ ​ ​ ​ ​ Recreational ​ Other ​ ​ ​ ​ ​ ​ (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 46 ​ $ 76 ​ $ 127 ​ $ 69 ​ $ — ​ $ 84 ​ $ — ​ $ 1,821 Charge-offs ​ (2) ​ — ​ (12) ​ — ​ (1) ​ (45) ​ — ​ (647) Recoveries ​ — ​ — ​ 48 ​ 3 ​ 8 ​ 5 ​ — ​ 127 Provision (credit) for loan losses ​ (5) ​ 26 ​ (56) ​ (8) ​ (7) ​ 4 ​ — ​ 540 Ending balance ​ $ 39 ​ $ 102 ​ $ 107 ​ $ 64 ​ $ — ​ $ 48 ​ $ — ​ $ 1,841 Ending balance: related to loans individually evaluated for impairment ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 19 Ending balance: related to loans collectively evaluated for impairment ​ $ 39 ​ $ 102 ​ $ 107 ​ $ 64 ​ $ — ​ $ 48 ​ $ — ​ $ 1,822 Loans receivable: ​ ​ ​ ​ ​ ​ ​ ​ Ending balance ​ $ 9,701 ​ $ 47,717 ​ $ 22,666 ​ $ 2,096 ​ $ 29,463 ​ $ 5,492 ​ $ — ​ $ 264,658 Ending balance: individually evaluated for impairment ​ $ 67 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 3,187 Ending balance: collectively evaluated for impairment ​ $ 9,634 ​ $ 47,717 ​ $ 22,666 ​ $ 2,096 ​ $ 29,463 ​ $ 5,492 ​ $ — ​ $ 261,471

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Premises and Equipment
Schedule of Premises and Equipment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Premises: ​ ​ ​ ​ Land ​ $ 3,867 ​ $ 3,867 Buildings and improvements ​ 18,265 ​ 18,049 Equipment ​ 7,493 ​ 7,256 Construction in progress ​ 39 ​ 31 ​ ​ 29,664 ​ 29,203 Less: Accumulated depreciation ​ 14,801 ​ 13,858 ​ ​ $ 14,863 ​ $ 15,345

Intangible Assets and Goodwill

Intangible Assets and Goodwill (Tables)	12 Months Ended
	Dec. 31, 2022
Intangible Assets and Goodwill
Schedule of Intangible Assets and Goodwill	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Carrying ​ Accumulated ​ Net (in thousands) Amount Amortization Value Amortized intangible assets: ​ ​ ​ Non-compete agreements ​ $ 5 ​ $ (4) ​ $ 1 Core deposit intangible ​ 964 ​ (247) ​ 717 Goodwill ​ 792 ​ — ​ 792 ​ ​ $ 1,761 ​ $ (251) ​ $ 1,510 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ Gross ​ ​ ​ ​ ​ ​ ​ Carrying ​ Accumulated ​ Net (in thousands) Amount Amortization Value Amortized intangible assets: ​ ​ ​ Non-compete agreements ​ $ 5 ​ $ (4) ​ $ 1 Core deposit intangible ​ 964 ​ (182) ​ 782 Goodwill ​ 792 ​ — ​ 792 ​ ​ $ 1,761 ​ $ (186) ​ $ 1,575 ​
Schedule of Amortization	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortization For Years Ended December 31, Expense (In thousands) ​ ​ ​ 2023 ​ $ 64 2024 ​ 64 2025 ​ 64 2026 ​ 64 2027 ​ 64 ​ ​ $ 320 ​

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits
Schedule of deposits, by deposit type	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) ​ 2022 ​ 2021 Checking accounts, non-interest bearing ​ $ 54,609 ​ $ 57,540 Checking accounts, interest-bearing ​ 38,137 ​ 37,169 Money market accounts ​ 26,456 ​ 31,333 Savings accounts ​ 92,643 ​ 110,272 Time deposits ​ 105,833 ​ 75,735 ​ ​ $ 317,678 ​ $ 312,049 ​
Schedule of maturities of time deposits, including those that were obtained through the third party broker	​ ​ ​ ​ ​ ​ ​ (In thousands) ​ At December 31, 2022 ​ ​ ​ 2023 ​ $ 89,200 2024 ​ 8,571 2025 ​ 6,442 2026 ​ 719 2027 ​ 676 Thereafter ​ 225 ​ ​ $ 105,833

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Borrowings
Schedule of composition of borrowings	​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Short-term: ​ ​ ​ ​ ​ ​ FHLB Advances ​ $ 16,200 ​ $ — Long-term: ​ ​ FHLB fixed-rate term advances ​ $ 2,281 ​ $ 3,300 FHLB fixed-rate amortizing advances ​ 8,053 ​ 14,460 Total long-term borrowings ​ $ 10,334 ​ $ 17,760 ​
Schedule of principal balances and interest rates of fixed rate borrowings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 (In thousands) ​ Principal ​ Rates Short-term: ​ ​ FHLB advances ​ $ 16,200 ​ 3.96%-4.75 % Long-term: ​ ​ FHLB fixed-rate term advances ​ $ 2,281 ​ 0.00%-2.48 % FHLB fixed-rate amortizing advances ​ 8,053 ​ 0.96%-3.03 % Total long-term borrowings ​ $ 10,334 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 (In thousands) Principal Rates Long-term: ​ ​ FHLB fixed-rate term advances ​ $ 3,300 1.45%-2.48 % FHLB fixed-rate amortizing advances ​ 14,460 0.96%-3.03 % Total long-term borrowings ​ $ 17,760 ​ ​
Schedule of maturities of borrowings	​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Long-term: ​ ​ ​ Due within 1 year ​ $ 2,844 ​ $ 6,457 Due within 2 years ​ 3,935 ​ 3,153 Due within 3 years ​ 1,145 ​ 5,250 Due within 4 years ​ 1,818 ​ 1,375 Due within 5 years ​ 462 ​ 932 Thereafter ​ 130 ​ 593 Total long-term borrowings ​ $ 10,334 ​ $ 17,760 ​

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes
Schedule of the Company's benefit for income taxes	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 Current tax expense (benefit): ​ ​ Federal ​ $ (15) ​ $ 21 State ​ 31 ​ 78 Total current tax expense ​ 16 ​ 99 Deferred tax expense: ​ ​ Federal ​ 200 ​ 184 Total deferred tax expense ​ 200 ​ 184 Expense for income taxes ​ $ 216 ​ $ 283 ​
Schedule of the deferred tax assets and deferred tax liabilities	​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 Assets: ​ ​ ​ ​ ​ ​ Deferred compensation ​ $ 213 ​ $ 227 Allowance for loan losses ​ 570 ​ 447 Net operating loss carryforward ​ 720 ​ 859 Investment securities, unrealized losses ​ ​ 1,000 ​ ​ — Nonaccrual interest ​ 62 ​ 46 Equity incentive plan ​ ​ 17 ​ ​ — Other ​ 101 ​ 101 ​ ​ 2,683 ​ 1,680 Liabilities: ​ ​ Pension ​ (2,246) ​ (2,332) Intangible assets ​ (198) ​ (210) Investment securities, unrealized gains ​ — ​ (105) Mortgage servicing rights ​ (3) ​ (3) Depreciation ​ (89) ​ (143) Other ​ (3) ​ (5) ​ ​ (2,539) ​ (2,798) Net deferred tax asset (liability) ​ $ 144 ​ $ (1,118) ​
Schedule of reconciliation of the federal statutory income tax rate to the effective income tax rate	​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, ​ 2022 2021 ​ ​ ​ ​ ​ Federal statutory income tax rate 21.0 % 21.0 % State tax, net of federal benefit 4.0 % 3.6 % Bank owned life insurance and other permanent differences 1.0 % (0.1) % Tax exempt income (6.3) % (4.7) % Other (3.1) % (3.1) % Effective income tax rate 16.6 % 16.7 % ​

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2022
Employee Benefit Plans
Summary of changes in the Plans' net periodic pension benefit	​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: ​ At December 31, (In thousands) 2022 2021 Change in benefit obligations: ​ Benefit obligations at beginning of year ​ $ 12,110 ​ $ 12,005 Service Cost ​ ​ 431 ​ ​ 458 Interest cost ​ 409 ​ 420 Actuarial (gain) loss ​ (3,996) ​ 289 Benefit paid ​ (951) ​ (1,062) Benefit obligations at end of year ​ 8,003 ​ 12,110 Change in plan assets: ​ ​ Fair value of plan assets at beginning of year ​ ​ 20,281 ​ ​ 18,332 Actual (loss) return on plan assets ​ ​ (3,492) ​ ​ 2,646 Benefits paid ​ ​ (951) ​ ​ (1,062) Employer contributions ​ ​ 329 ​ ​ 365 Fair value of plan assets at end of year ​ ​ 16,167 ​ ​ 20,281 ​ ​ ​ ​ ​ ​ ​ Funded Status ​ $ 8,164 ​ $ 8,171 ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: At December 31, (In thousands) ​ 2022 ​ 2021 Change in benefit obligations: ​ ​ ​ ​ ​ ​ Benefit obligations at beginning of year ​ $ 3,301 ​ $ 3,501 Service cost ​ ​ 33 ​ ​ 31 Interest cost ​ ​ 110 ​ ​ 130 Actuarial (gain) loss ​ ​ (792) ​ ​ 26 Benefits paid ​ ​ (326) ​ ​ (387) Benefit obligations at end of year ​ ​ 2,326 ​ ​ 3,301 Change in plan assets: ​ ​ ​ ​ ​ ​ Fair value of plan assets at beginning of year ​ ​ 6,237 ​ ​ 5,894 Actual (loss) return on plan assets ​ ​ (1,052) ​ ​ 712 Benefits paid ​ ​ (326) ​ ​ (386) Employer contributions ​ ​ — ​ ​ 17 Fair value of plan assets at end of year ​ ​ 4,859 ​ ​ 6,237 ​ ​ ​ ​ ​ ​ ​ Funded Status ​ $ 2,533 ​ $ 2,936 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Schedule of amounts recognized in accumulated other comprehensive loss	​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: Year Ended December 31, (In thousands) 2022 2021 Unrecognized net loss ​ $ 2,952 ​ $ 1,924 Tax Effect ​ 620 ​ 404 ​ ​ $ 2,332 ​ $ 1,520 ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: Year Ended December 31, (In thousands) 2022 2021 Unrecognized net (gain) loss ​ $ 292 ​ $ (429) Tax Effect ​ 61 ​ (90) ​ ​ $ 231 ​ $ (339) ​
Schedule of net periodic expenses recognized in income other changes in plan assets and benefit obligations recognized in other comprehensive (income) loss	​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: Year Ended December 31, (In thousands) 2022 2021 Net periodic expenses recognized in income: ​ ​ ​ ​ Service cost ​ $ 431 ​ $ 458 Interest cost ​ 409 ​ 420 Expected return on plan assets ​ (1,533) ​ (1,481) Amortization of net losses ​ — ​ 114 Net periodic pension benefit ​ (693) ​ (489) Other changes in plan assets and benefit obligations recognized in other comprehensive (income) loss: ​ ​ Net actuarial (gain) loss ​ 1,028 ​ (875) Amortization of net actuarial loss ​ — ​ (114) Total recognized in other comprehensive (income) loss ​ 1,028 ​ (989) Total recognized in net periodic pension benefit and other comprehensive (income) loss ​ $ 335 ​ $ (1,478) ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: Year Ended December 31, (In thousands) 2022 2021 Net periodic expenses recognized in income: ​ ​ ​ ​ Service cost ​ $ 33 ​ $ 31 Interest cost ​ 110 ​ 130 Expected return on plan assets ​ (460) ​ (464) Net periodic pension benefit ​ (317) ​ (303) Other changes in plan assets and benefit obligations recognized in other comprehensive (income) loss: ​ ​ Net actuarial (gain) loss ​ 720 ​ (222) Total recognized in other comprehensive (income) loss ​ 720 ​ (222) Total recognized in net periodic pension benefit and other comprehensive (income) loss ​ $ 403 ​ $ (525) ​
Schedule of assumptions used to determine benefit obligations and net periodic expense	​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, Generations Bank Plan: 2022 ​ 2021 Weighted average discount rate ​ 6.02 % ​ 3.42 % Rate of increase in future compensation levels ​ 4.00 % ​ 4.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, Medina Savings and Loan Plan: 2022 ​ 2021 Weighted average discount rate 6.01 % ​ 3.44 % Rate of increase in future compensation levels 4.00 % ​ 4.00 % ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: At December 31, ​ 2022 2021 Weighted average discount rate ​ 3.42 % 3.55 % Long-term rate of return on plan assets ​ 7.50 % 8.00 % Rate of increase in future compensation levels ​ 4.00 % 4.00 % ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ At December 31, ​ ​ 2022 2021 Weighted average discount rate ​ 3.44 % 3.83 % Long-term rate of return on plan assets ​ 7.50 % 8.00 % Rate of increase in future compensation levels ​ 4.00 % 3.00 % ​
Schedule of expected benefit payments	​ ​ ​ ​ ​ Generations Bank Plan: ​ (In thousands) ​ Amount ​ ​ ​ 2023 ​ $ 358 2024 ​ 379 2025 ​ 392 2026 ​ 391 2027 ​ 424 2028-2032 ​ 3,466 ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ (In thousands) ​ ​ Amount ​ ​ 2023 ​ $ 188 2024 ​ 186 2025 ​ 184 2026 ​ 183 2027 ​ 192 2028-2032 ​ 916 ​
Summary of pension plan assets measured at fair value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 1,369 ​ $ — ​ $ 1,369 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 2,631 ​ — ​ 2,631 (3) Blue Chip Separate Account-Z ​ — ​ 1,308 ​ — ​ 1,308 (4) Mid-Cap Value Separate Account -Z ​ — ​ 843 ​ — ​ 843 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 1,159 ​ — ​ 1,159 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 777 ​ — ​ 777 (7) Small-Cap Separate Account-Z ​ — ​ 977 ​ — ​ 977 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 947 ​ — ​ 947 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 672 ​ — ​ 672 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 20 ​ — ​ 20 (11) LDI Short Durations Separate Account-Z ​ — ​ 778 ​ — ​ 778 (12) Core Fixed Income Separate Account-Z ​ — ​ 1,560 ​ — ​ 1,560 (13) Core Plus Bond Separate Account-Z ​ — ​ 3,126 ​ — ​ 3,126 Total ​ $ — ​ $ 16,167 ​ $ — ​ $ 16,167 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Generations Bank Plan: ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 1,631 ​ $ — ​ $ 1,631 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 3,280 ​ — ​ 3,280 (3) Blue Chip Separate Account-Z ​ — ​ 1,635 ​ — ​ 1,635 (4) Mid-Cap Value Separate Account -Z ​ — ​ 1,038 ​ — ​ 1,038 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 1,458 ​ — ​ 1,458 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 1,030 ​ — ​ 1,030 (7) Small-Cap Separate Account-Z ​ — ​ 1,248 ​ — ​ 1,248 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 1,247 ​ — ​ 1,247 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 818 ​ — ​ 818 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 24 ​ — ​ 24 (11) LDI Short Durations Separate Account-Z ​ — ​ 982 ​ — ​ 982 (12) Core Fixed Income Separate Account-Z ​ — ​ 1,961 ​ — ​ 1,961 (13) Core Plus Bond Separate Account-Z ​ — ​ 3,929 ​ — ​ 3,929 Total ​ $ — ​ $ 20,281 ​ $ — ​ $ 20,281 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 411 ​ $ — ​ $ 411 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 789 ​ — ​ 789 (3) Blue Chip Separate Account-Z ​ — ​ 392 ​ — ​ 392 (4) Mid-Cap Value Separate Account -Z ​ — ​ 253 ​ — ​ 253 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 348 ​ — ​ 348 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 233 ​ — ​ 233 (7) Small-Cap Separate Account-Z ​ — ​ 293 ​ — ​ 293 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 284 ​ — ​ 284 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 202 ​ — ​ 202 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 15 ​ — ​ 15 (11) LDI Short Durations Separate Account-Z ​ — ​ 233 ​ — ​ 233 (12) Core Fixed Income Separate Account-Z ​ — ​ 468 ​ — ​ 468 (13) Core Plus Bond Separate Account-Z ​ — ​ 938 ​ — ​ 938 Total ​ $ — ​ $ 4,859 ​ $ — ​ $ 4,859 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Medina Savings and Loan Plan: ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: ​ ​ ​ ​ Equities and Commodities: ​ ​ ​ ​ (1) Equity Income Separate Account -Z ​ $ — ​ $ 500 ​ $ — ​ $ 500 (2) Large Cap S&P 500 Index Separate Account -Z ​ — ​ 996 ​ — ​ 996 (3) Blue Chip Separate Account-Z ​ — ​ 494 ​ — ​ 494 (4) Mid-Cap Value Separate Account -Z ​ — ​ 316 ​ — ​ 316 (5) Mid-Cap S&P 400 Index Separate Account Z ​ — ​ 442 ​ — ​ 442 (6) Mid-Cap Growth Separate Account-Z ​ — ​ 309 ​ — ​ 309 (7) Small-Cap Separate Account-Z ​ — ​ 379 ​ — ​ 379 (8) Small-Cap S&P 600 Index Separate Account Z ​ — ​ 380 ​ — ​ 380 (9) Intern'l Emerging Markets Separate Acct-Z ​ — ​ 251 ​ — ​ 251 Fixed Income: ​ ​ ​ ​ (10) Liquid Assets Separate Account-Z ​ — ​ 16 ​ — ​ 16 (11) LDI Short Durations Separate Account-Z ​ — ​ 308 ​ — ​ 308 (12) Core Fixed Income Separate Account-Z ​ — ​ 615 ​ — ​ 615 (13) Core Plus Bond Separate Account-Z ​ — ​ 1,231 ​ — ​ 1,231 Total ​ $ — ​ $ 6,237 ​ $ — ​ $ 6,237 ​ (1) Equity Income Separate Account-Z: The investment seeks to provide current income and longterm growth of income and capital. Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in dividend-paying equity securities at the time of purchase. It usually invests in equity securities of companies with large and medium market capitalizations. The fund invests in value equity securities, an investment strategy that emphasizes buying equity securities that appear to be undervalued. (2) The investment option normally invests the majority of assets in common stocks of companies that compose the S&P 500 Index. Management attempts to mirror the investment performance of the index by allocating assets in approximately the same weightings as the S&P 500 Index. Over the long-term, management seeks a very close correlation between the performance of the Separate Account before expenses and that of the S&P 500 Index. (3) The investment seeks long-term growth of capital. The fund normally invests at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities of companies with large market capitalizations at the time of purchase that, in the fund's investment advisor's opinion, display characteristics of a "blue chip" company. The advisor tends to focus on securities of companies that show potential for growth of capital as well as an expectation for above average earnings. The fund invests in securities of foreign companies, as well as companies with medium market capitalizations. (4) The investment seeks long-term growth of capital. Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities of companies with medium market capitalizations at the time of purchase. It invests in value equity securities, an investment strategy that emphasizes buying equity securities that appear to be undervalued. The fund also invests in real estate investment trusts. (5) The investment option normally invests the majority of assets in common stocks of companies that compose the S&P MidCap 400 Index. Management attempts to mirror the investment performance of the index by allocating assets in approximately the same weightings as the S&P MidCap 400 Index. Over the long-term, management seeks a very close correlation between the performance of the Separate Account before expenses and that of the S&P MidCap 400 Index. (6) The investment option primarily invests in common stocks of medium capitalization companies with strong earnings growth potential. It normally invests the majority of assets in companies with market capitalizations similar to those companies in the Russell MidCap Growth Index. Management uses a bottom-up approach in selection of individual securities that it believes have an above average potential for earnings growth. It may invest up to 25% of assets in foreign securities. (7) The investment seeks long-term growth of capital and primarily invests in common stocks of small capitalization companies. It normally invests the majority of assets in companies with market capitalizations similar to those of companies in the Russell 2000 Index. Management looks at stocks with value and/or growth characteristics and constructs an investment portfolio that has a blend of stocks with these characteristics. Management does not have a policy of preferring one of these styles to the other. The Separate Account may invest up to 25% of assets in foreign securities. (8) The investment seeks long-term growth of capital and normally invests the majority of assets in common stocks of companies that compose the S&P SmallCap 600 Index. Management attempts to mirror the investment performance of the index by allocating assets in approximately the same weightings as the S&P SmallCap 600 Index. Over the long-term, management seeks a very close correlation between the performance of the Separate Account before expenses and that of the S&P SmallCap 600 Index. (9) The investment option normally invests the majority of assets in equities of companies in emerging market countries. It invests in securities of companies with their principal place of business or principal office in emerging market countries; companies for which the principal securities trade in an emerging market; or companies, regardless of where their securities are traded, that derive 50% of their total revenue from either goods or services produced in emerging market countries. The fund may invest in securities of companies with small to medium market capitalizations. (10) The investment seeks as high a level of current income as is considered consistent with preservation of principal and maintenance of liquidity. It invests in a portfolio of high quality, short-term instruments. The investments are U.S. dollar denominated securities which the sub-advisor believes present minimal credit risks. The sub-advisor maintains a dollar weighted average portfolio maturity of 60 days or less. (11) The investment seeks to maximize total returns from the universe of debt securities in which the Portfolio invests. As a non-fundamental policy, under normal circumstances, the Portfolio will invest at least 80% of its net assets in fixed income securities considered to be investment grade quality. In addition, the Portfolio is authorized to invest more than 25% of its total assets in U.S. Treasury bonds, bills and notes, and obligations of federal agencies and instrumentalities. (12) The investment seeks to provide a high level of current income consistent with preservation of capital. The fund invests primarily in a diversified pool of investment-grade fixed-income securities, including corporate securities, U.S. government securities, asset-backed securities and mortgage-backed securities. It maintains an average portfolio duration that is within from 75% to 125% of the duration of the Bloomberg Barclays US Aggregate Bond Index. (13) The investment option invests primarily in intermediate term, fixed-income investments such as public and private corporate bonds, commercial and residential mortgages, asset-backed securities, and US government and agency-backed securities. Value is added primarily through sector allocation and security selection. The Separate Account may enter into reverse repurchase agreements to attempt to enhance portfolio return and income. ​ ​

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Stock-Based Compensation
Schedule of the Company's stock option activity and related information for its option plans	​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2022 ​ ​ ​ ​ ​ Weighted Average ​ ​ ​ ​ ​ Exercise Price Per ​ ​ Options ​ ​ Share Outstanding at beginning of year ​ — ​ $ — Grants ​ 132,977 ​ ​ 11.61 Exercised ​ — ​ ​ — Outstanding at year end ​ 132,977 ​ $ 11.61 ​ ​ ​ ​ ​ ​ Exercisable at year end ​ — ​ $ — ​

Regulatory Capital (Tables)

Regulatory Capital (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Capital
Summary of actual capital amounts and ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be "Well- ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ Capitalized" ​ ​ ​ ​ ​ ​ ​ ​ For Capital ​ Under Prompt ​ ​ ​ Actual ​ Adequacy Purposes ​ Corrective Provisions ​ (in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2022 ​ ​ ​ ​ Common Equity Tier 1 Capital ​ $ 41,127 ​ 13.87 % $ 13,347 ​ 4.50 % $ 19,278 ​ 6.50 % Total Capital (to Risk-Weighted Assets) ​ $ 43,624 ​ 14.71 % $ 23,727 ​ 8.00 % $ 29,659 ​ 10.00 % Tier 1 Capital (to Risk-Weighted Assets) ​ $ 41,127 ​ 13.87 % $ 17,795 ​ 6.00 % $ 23,727 ​ 8.00 % Tier 1 Capital (to Total Adjusted Assets) ​ $ 41,127 ​ 10.98 % $ 14,989 ​ 4.00 % $ 18,736 ​ 5.00 % As of December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ Common Equity Tier 1 Capital ​ $ 41,287 ​ 14.82 % $ 12,534 ​ 4.50 % $ 18,104 ​ 6.50 % Total Capital (to Risk-Weighted Assets) ​ $ 43,128 ​ 15.48 % $ 22,282 ​ 8.00 % $ 27,853 ​ 10.00 % Tier 1 Capital (to Risk-Weighted Assets) ​ $ 41,287 ​ 14.82 % $ 16,712 ​ 6.00 % $ 22,282 ​ 8.00 % Tier 1 Capital (to Total Adjusted Assets) ​ $ 41,287 ​ 10.99 % $ 15,034 ​ 4.00 % $ 18,792 ​ 5.00 % ​

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies
Financial instruments whose contract amounts represent credit risk	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Commitments to grant loans ​ $ 6,400 ​ $ 3,524 Unfunded commitments under lines of credit ​ 14,789 ​ 15,568 ​

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2022
Related Party Transactions
Summary of loans made to related parties	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Beginning balance ​ $ 2,490 ​ $ 2,527 Originations ​ — ​ 173 Payments and change in status ​ (445) ​ (210) Ending balance ​ $ 2,045 ​ $ 2,490 ​

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2022
Revenue from Contracts with Customers
Schedule of disaggregation of revenue	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Service charges on deposit accounts ​ $ 628 ​ $ 563 Debit card interchange and surcharge income ​ 758 ​ 855 Insurance commissions ​ 451 ​ 722 Loan servicing fees ​ 189 ​ 151 ​ ​ $ 2,026 ​ $ 2,291 ​

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Loss
Reclassified out of each component of accumulated other comprehensive loss	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, ​ Affected Line Item in the (In thousands) 2022 2021 Consolidated Statement of Income Available-for-sale securities: ​ ​ ​ ​ ​ ​ ​ ​ Realized gain on sale of securities ​ $ — ​ $ (10) ​ Net gain on sale of securities Tax effect ​ ​ — ​ ​ 2 ​ Income tax expense ​ ​ $ — ​ $ (8) ​ Net income Defined benefit pension plan: ​ ​ ​ ​ ​ ​ ​ ​ Retirement plan net losses recognized in net periodic pension cost ​ $ — ​ $ 114 ​ Compensation and benefits Tax effect ​ ​ — ​ ​ (23) ​ Income tax benefit ​ ​ $ — ​ $ 91 ​ Net income

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures
Schedule of carrying amount and estimated fair value of the Company's financial instrument	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ Carrying ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 8,004 ​ $ 8,004 ​ $ — ​ $ — ​ $ 8,004 Securities available-for-sale ​ 33,050 ​ — ​ 31,335 ​ 1,715 ​ 33,050 Securities held-to-maturity ​ 1,587 ​ — ​ 1,301 ​ — ​ 1,301 Equity securities ​ 307 ​ 307 ​ — ​ — ​ 307 Loans receivable, net ​ 303,880 ​ — ​ — ​ 294,897 ​ 294,897 FHLB stock ​ 1,740 ​ — ​ 1,740 ​ — ​ 1,740 Accrued interest receivable ​ 1,304 ​ 1,304 ​ — ​ — ​ 1,304 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ $ 317,678 ​ $ 92,745 ​ $ — ​ $ 211,598 ​ $ 304,343 Short-term borrowings ​ ​ 16,200 ​ ​ — ​ ​ 16,311 ​ ​ ​ ​ ​ 16,311 Long-term borrowings ​ 10,334 ​ — ​ 15,081 ​ — ​ 15,081 Accrued interest payable ​ 162 ​ 162 ​ — ​ — ​ 162 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ Carrying ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 20,997 ​ $ 20,997 ​ $ — ​ $ — ​ $ 20,997 Securities available-for-sale ​ 36,975 ​ — ​ 33,965 ​ 3,010 ​ 36,975 Securities held-to-maturity ​ 1,778 ​ — ​ 1,721 ​ — ​ 1,721 Equity securities ​ 350 ​ 350 ​ — ​ — ​ 350 Loans receivable, net ​ 278,120 ​ — ​ — ​ 281,502 ​ 281,502 FHLB stock ​ 1,450 ​ — ​ 1,450 ​ — ​ 1,450 Accrued interest receivable ​ 1,249 ​ 1,249 ​ — ​ — ​ 1,249 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ Deposits ​ $ 312,049 ​ $ 94,709 ​ $ — ​ $ 219,261 ​ $ 313,970 Long-term borrowings ​ 17,760 ​ — ​ 21,985 ​ — ​ 21,985 Accrued interest payable ​ 35 ​ 35 ​ — ​ — ​ 35 ​
Schedule of assets measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: ​ ​ ​ ​ Debt investment securities: ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ 24 ​ $ — ​ $ 24 Corporate bonds ​ ​ — ​ ​ 18,194 ​ ​ — ​ ​ 18,194 Municipal bonds ​ — ​ 13,117 ​ 1,715 ​ 14,832 Equity investment securities: ​ ​ ​ ​ Large cap equity mutual fund ​ 37 ​ — ​ — ​ 37 Other mutual funds ​ 270 ​ — ​ — ​ 270 Total investment securities ​ $ 307 ​ $ 31,335 ​ $ 1,715 ​ $ 33,357 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: ​ ​ ​ ​ Debt investment securities: ​ ​ ​ ​ Residential mortgage-backed - US agency and GSEs ​ $ — ​ $ 33 ​ $ — ​ $ 33 Corporate bonds ​ ​ — ​ ​ 18,043 ​ ​ — ​ ​ 18,043 Municipal bonds ​ — ​ 15,889 ​ 3,010 ​ 18,899 Equity investment securities: ​ ​ ​ ​ Large cap equity mutual fund ​ 45 ​ — ​ — ​ 45 Other mutual funds ​ 305 ​ — ​ — ​ 305 Total investment securities ​ $ 350 ​ $ 33,965 ​ $ 3,010 ​ $ 37,325 ​
Schedule of changes in Level 3 assets measured at estimated fair value on a recurring basis	​ ​ ​ ​ ​ ​ Investment (In thousands) ​ Securities ​ ​ ​ Balance - December 31, 2021 ​ $ 3,010 Total losses realized/unrealized: ​ Included in other comprehensive loss ​ (174) Purchases ​ 85 Principal payments/maturities ​ (1,206) Balance - December 31, 2022 ​ $ 1,715 ​ ​ ​ ​ ​ ​ Investment (In thousands) ​ Securities Balance - December 31, 2020 ​ $ 3,174 Total gains realized/unrealized: ​ Included in other comprehensive income ​ 161 Purchases ​ 826 Principal payments/maturities ​ (1,151) Balance - December 31, 2021 ​ $ 3,010 ​
Schedule of assets measured at fair value on a nonrecurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans ​ $ — ​ $ — ​ $ — ​ $ — Foreclosed real estate & repossessed assets ​ — ​ — ​ 12 ​ 12 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans ​ $ — ​ $ — ​ $ 391 ​ $ 391 Foreclosed real estate & repossessed assets ​ — ​ — ​ 27 ​ 27 ​
Schedule of quantitative Information about Level 3 Fair Value Measurements	The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Level 3 inputs were used to determine fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ Quantitative Information about Level 3 Fair Value Measurements ​ Valuation Unobservable Range ​ ​ Techniques ​ Input ​ (Weighted Avg.) Investment type- ​ ​ ​ ​ ​ ​ Other Investments ​ Scheduled principal ​ Cost to Sell ​ 0% ​ ​ and interest payments ​ ​ ​ ​ ​ ​ Carrying value ​ ​ ​ 100% ​ The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Quantitative Information about Level 3 Fair Value Measurements ​ ​ Valuation ​ Unobservable ​ Range ​ Techniques Input (Weighted Avg.) Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (20)% One-to four-family residential Costs to Sell 5% - 15% (10)% ​ Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Commercial business Changes in property condition 10% - 20% (15)% ​ ​ Costs to Sell 5% - 15% (10)% ​ Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% ​ Changes in property condition 10% - 20% (15)% ​ Costs to Sell 5% - 15% (10)% ​

Parent Company Only Financial_2

Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2022
Parent Company Only Financial Information
Schedule of balance sheets statement	​ ​ ​ ​ ​ ​ ​ ​ Statements of Condition ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Assets ​ ​ Cash and cash equivalents ​ $ 529 ​ $ 2,066 Securities available-for-sale, at fair value ​ 981 ​ 316 Equity investment securities, at fair value ​ ​ 279 ​ ​ — Investment in bank subsidiary ​ 36,257 ​ 41,897 Other assets ​ 61 ​ 42 Total assets ​ $ 38,107 ​ $ 44,321 Liabilities and Shareholders' Equity ​ ​ Deferred tax liability ​ $ 72 ​ $ 72 Other liabilities ​ 707 ​ 769 Shareholders' equity ​ 37,328 ​ 43,480 Total liabilities and shareholders' equity ​ $ 38,107 ​ $ 44,321
Schedule of statements of operations	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Income ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Income ​ ​ Dividends from securities available-for-sale ​ $ 47 ​ $ 23 Interest income ​ 16 ​ — Change in the fair value on equity securities ​ (37) ​ 20 Total income ​ 26 ​ 43 Expenses ​ ​ Interest expense ​ — ​ 9 Change in the fair value of the Directors Retirement Plan ​ (51) ​ 127 Total expenses ​ (51) ​ 136 Income (Loss) before taxes and equity in undistributed net income of bank subsidiary ​ 77 ​ (93) Income tax expense (benefit) ​ 14 ​ (16) Income (Loss) before equity in undistributed net income of bank subsidiary ​ 63 ​ (77) Equity in undistributed net income of bank subsidiary ​ 1,024 ​ 1,490 Net income ​ $ 1,087 ​ $ 1,413 ​
Schedule of statements of cash flows	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Income ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Income ​ ​ Dividends from securities available-for-sale ​ $ 47 ​ $ 23 Interest income ​ 16 ​ — Change in the fair value on equity securities ​ (37) ​ 20 Total income ​ 26 ​ 43 Expenses ​ ​ Interest expense ​ — ​ 9 Change in the fair value of the Directors Retirement Plan ​ (51) ​ 127 Total expenses ​ (51) ​ 136 Income (Loss) before taxes and equity in undistributed net income of bank subsidiary ​ 77 ​ (93) Income tax expense (benefit) ​ 14 ​ (16) Income (Loss) before equity in undistributed net income of bank subsidiary ​ 63 ​ (77) Equity in undistributed net income of bank subsidiary ​ 1,024 ​ 1,490 Net income ​ $ 1,087 ​ $ 1,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Cash Flows ​ Year Ended December 31, (In thousands) 2022 2021 ​ ​ ​ Operating Activities ​ ​ Net income ​ $ 1,087 ​ $ 1,413 Equity in undistributed net income of bank subsidiary ​ (1,024) ​ (1,490) Change in fair value on equity securities ​ ​ 37 ​ ​ (20) Net amortization of premiums and discounts on investment securities ​ ​ (1) ​ ​ — ESOP Expense ​ ​ 51 ​ ​ 48 Stock-based compensation ​ ​ 128 ​ ​ — Net change in other assets ​ (20) ​ 888 Net change in other liabilities ​ (39) ​ (70) Net cash provided by operating activities ​ 219 ​ 769 Investing Activities ​ ​ Purchase of investment securities available-for-sale ​ (1,090) ​ — Capital Infusion in Subsidiary ​ ​ — ​ ​ (7,750) Net cash (used in) provided by investing activities ​ (1,090) ​ (7,750) Financing activities ​ ​ Net proceeds from stock offering and conversion ​ ​ — ​ ​ 13,151 Net proceeds from (repayment of) advances on note payable ​ — ​ (1,851) Repayments received on sub-debt ​ ​ — ​ ​ (1,235) Purchase of common stock for ESOP ​ — ​ (1,104) Effect of stock repurchase plan ​ ​ (1,872) ​ ​ — Cash dividend from bank subsidiary ​ ​ 1,250 ​ ​ — Purchase of common stock for SERP ​ ​ (31) ​ ​ (14) Purchase of common stock for Directors Retirement Plan ​ ​ (13) ​ ​ (13) Net cash (used in) provided by financing activities ​ (666) ​ 8,934 Net change in cash and cash equivalents ​ (1,537) ​ 1,953 Cash and cash equivalents at beginning of year ​ 2,066 ​ 113 Cash and cash equivalents at end of year ​ $ 529 ​ $ 2,066

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Information
Summary of information about segments	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, ​ ​ ​ 2022 ​ 2021 ​ ​ ​ Community ​ ​ ​ ​ Municipal ​ ​ ​ ​ Community ​ ​ ​ ​ Municipal ​ ​ ​ ​ ​ ​ Banking ​ Insurance ​ Banking ​ ​ ​ ​ Banking ​ Insurance ​ Banking ​ ​ ​ ​ (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income ​ $ 11,103 ​ $ — ​ $ 267 ​ $ 11,370 ​ $ 11,669 ​ $ — ​ $ 250 ​ $ 11,919 ​ Provision for loan losses ​ 631 ​ — ​ — ​ 631 ​ 540 ​ — ​ — ​ 540 ​ Net interest income after provision for loan losses ​ 10,472 ​ — ​ 267 ​ 10,739 ​ 11,129 ​ — ​ 250 ​ 11,379 ​ Total noninterest income ​ 1,675 ​ 442 ​ — ​ 2,117 ​ 1,998 ​ 729 ​ — ​ 2,727 ​ Compensation and benefits ​ (4,786) ​ (105) ​ — ​ (4,891) ​ (4,923) ​ (376) ​ — ​ (5,299) ​ Other noninterest expense ​ (6,543) ​ (39) ​ (80) ​ (6,662) ​ (6,876) ​ (149) ​ (86) ​ (7,111) ​ Income before income tax expense (benefit) ​ 818 ​ 298 ​ 187 ​ 1,303 ​ 1,328 ​ 204 ​ 164 ​ 1,696 ​ Income tax expense (benefit) ​ 183 ​ — ​ 33 ​ 216 ​ 254 ​ — ​ 29 ​ 283 ​ Net income ​ $ 635 ​ $ 298 ​ $ 154 ​ $ 1,087 ​ $ 1,074 ​ $ 204 ​ $ 135 ​ $ 1,413 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Schedule of reconciliation of the Company's reported segment assets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At December 31, (In thousands) 2022 2021 ​ ​ ​ ​ ​ ​ Total assets for reportable segments ​ $ 402,776 ​ $ 395,225 Elimination of intercompany balances ​ (16,483) ​ (16,276) Consolidated total assets ​ $ 386,293 ​ $ 378,949 ​

Organization and Nature of Op_2

Organization and Nature of Operations (Details) $ in Millions		12 Months Ended
	Jan. 13, 2021 USD ($) shares	Dec. 31, 2022 shares	Jul. 31, 2020
Related Party Transaction [Line Items]
Issuance of shares (in shares) | shares	1,477,575	1,477,575
ESOP shares committed to be released (in shares) | shares	109,450	109,450
Exchange ratio of shares	0.9980
Gross offering proceeds from sale of stocks | $	$ 14.8
Net proceeds from sale | $	$ 13.2
Seneca Falls Savings Bank, MHC (the "Mutual Holding Company") | Seneca-Cayuga Bancorp, Inc. (the "Holding Company")
Related Party Transaction [Line Items]
Percentage of holding			60.10%

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Allowance for Loan Losses (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Allowance for Loan Losses
Consumer loans minimum period past due to charge off	90 days
Percentage of Real estate loans to Portfolio	58%	55%

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Income Recognition on Impaired and Non-accrual Loans (Details)	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Premises and equipment (Details)	12 Months Ended
	Dec. 31, 2022
Minimum | Buildings
Premises and equipment
Useful life	15 years
Minimum | Furniture, equipment, computers and software
Premises and equipment
Useful life	3 years
Maximum | Buildings
Premises and equipment
Useful life	40 years
Maximum | Furniture, equipment, computers and software
Premises and equipment
Useful life	10 years

Summary of Significant Accoun_7

Summary of Significant Accounting Policies - Bank-owned life insurance (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2022
Bank-owned life insurance
Purchased of Bank-Owned Life insurance	$ 2
Stable wrapper ratio limit (as a percent)		87%
Market value loss write down of life insurance book value in the event market value falls below 87% (as a percent)		13%

Summary of Significant Accoun_8

Summary of Significant Accounting Policies - Intangible assets and goodwill (Details) - USD ($)	Sep. 29, 2018	Dec. 28, 2016	Dec. 31, 2022	Dec. 31, 2021
Business Acquisition [Line Items]
Goodwill			$ 792,000	$ 792,000
John G. Sweeney Agency, Inc
Business Acquisition [Line Items]
Goodwill		$ 465,000
Goodwill acquired		$ 792,000
Medina Savings and Loan Association
Business Acquisition [Line Items]
Goodwill acquired	$ 0
Medina Savings and Loan Association | Core deposit intangible
Business Acquisition [Line Items]
Amortization period of intangible asset	15 years
Intangible assets	$ 964,000
Percentage of acquired core deposits	2.50%

Summary of Significant Accoun_9

Summary of Significant Accounting Policies - Employee benefit plans (Details)	12 Months Ended
	Dec. 31, 2022 age plan
Employee benefit plans
Number of plans | plan	2
Age to qualify for defined pension plans	21
Service period to qualify for defined pension plans	1 year
Duration of borrowings	25 years
Service period to qualify for defined contribution pension plan	12 months
Minimum discretionary contribution term	1 year
Defined Benefit Plan
Employee benefit plans
Age to qualify for defined pension plans	21
Service period to qualify for defined pension plans	1 year

Summary of Significant Accou_10

Summary of Significant Accounting Policies - Foreclosed real estate and repossessed assets (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Foreclosed real estate | $	$ 12,000	$ 27,000
Real estate and other assets | $	12,000	27,000
Net of estimated selling costs and the net operating expenses of foreclosed assets | $	15,000	7,000
Amount of loan in Process of foreclosure | $	$ 1,600,000	$ 1,300,000
Residential Mortgage Backed Securities Member
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Number of loans | loan	13	12
Home equity loans
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Number of loans | loan	2	2
Commercial business
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Number of loans | loan	1	2
Real estate - nonresidential
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Number of loans | loan	1	2

Summary of Significant Accou_11

Summary of Significant Accounting Policies - Comprehensive income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Unrealized gains on securities available-for-sale:
Unrealized holding losses arising during the period	$ 1,095	$ 133
Reclassification adjustment for net gains included in net income		2
Net unrealized gains on securities available-for-sale	1,095	135
Defined benefit pension plan:
Net plan (gains) losses arising during the period	366	(231)
Reclassification of amortization of net losses and prior service credit recognized in net pension expense		(23)
Net change in defined benefit pension plan asset	366	(254)
Total tax effect	1,461	(119)
Changes in the components of accumulated other comprehensive loss, net of tax
Balance	43,479	29,886
Net current-period other comprehensive income (loss)	(5,501)	449
Balance	37,328	43,479
Securities Available-for-Sale
Changes in the components of accumulated other comprehensive loss, net of tax
Balance	215	723
Other comprehensive loss before reclassifications	(4,120)	(500)
Amounts reclassified from AOCI to the income statement		(8)
Net current-period other comprehensive income (loss)	(4,120)	(508)
Balance	(3,905)	215
Defined Benefit Pension Plan
Changes in the components of accumulated other comprehensive loss, net of tax
Balance	(1,181)	(2,138)
Other comprehensive loss before reclassifications	(1,381)	867
Amounts reclassified from AOCI to the income statement		90
Net current-period other comprehensive income (loss)	(1,381)	957
Balance	(2,562)	(1,181)
Accumulated Other Comprehensive Loss.
Changes in the components of accumulated other comprehensive loss, net of tax
Balance	(966)	(1,415)
Other comprehensive loss before reclassifications	(5,501)	367
Amounts reclassified from AOCI to the income statement		82
Net current-period other comprehensive income (loss)	(5,501)	449
Balance	$ (6,467)	$ (966)

Summary of Significant Accou_12

Summary of Significant Accounting Policies - EPS paragraphs (Details) - shares			12 Months Ended
	Jul. 25, 2022	Mar. 28, 2022	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Anti-dilutive shares			40,075
Number of shares authorized to repurchase		83,300
Stock repurchased (as a percent)		3.40%
Stock option granted to directors			132,977
Vesting period for directors			5 years
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized to repurchase	87,000
Stock repurchased (as a percent)	3.60%
Restricted shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares granted to directors			53,191

Summary of Significant Accou_13

Summary of Significant Accounting Policies - EPS calculation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Common Share
Net income available to common shareholders	$ 1,087	$ 1,413
Weighted-average number of common shares outstanding, basic	2,310	2,352
Weighted-average number of common shares outstanding, diluted	2,310	2,352
Basic earnings per common share	$ 0.47	$ 0.60
Diluted earnings per common share	$ 0.47	$ 0.60

Balances at Other Banks (Detail

Balances at Other Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Balances at Other Banks
Reserve balances	$ 0	$ 0

Securities - Summary (Details)

Securities - Summary (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Securities available-for-sale:
Amortized Cost	$ 37,992	$ 36,703
Gross Unrealized Gains	60	1,154
Gross Unrealized Losses	(5,002)	(882)
Fair Value	33,050	36,975
Securities held-to-maturity:
Amortized Cost	1,587	1,778
Gross Unrealized Gains	1	25
Gross Unrealized Losses	(287)	(82)
Fair Value	1,301	1,721
Equity securities:
Amortized Cost	307	350
Fair Value	307	350
Structured certificates of deposit
Securities held-to-maturity:
Amortized Cost	650	650
Gross Unrealized Losses	(252)	(79)
Fair Value	398	571
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Amortized Cost	25	33
Gross Unrealized Gains		1
Gross Unrealized Losses	(1)	(1)
Fair Value	24	33
Securities held-to-maturity:
Amortized Cost	937
Gross Unrealized Gains	1
Gross Unrealized Losses	(35)
Fair Value	903
Corporate bonds
Securities available-for-sale:
Amortized Cost	21,032	18,589
Gross Unrealized Gains	58	266
Gross Unrealized Losses	(2,896)	(812)
Fair Value	18,194	18,043
State and political subdivisions
Securities available-for-sale:
Amortized Cost	16,935	18,081
Gross Unrealized Gains	2	887
Gross Unrealized Losses	(2,105)	(69)
Fair Value	14,832	18,899
Large cap equity mutual fund
Equity securities:
Amortized Cost	37	45
Fair Value	37	45
Other mutual funds
Equity securities:
Amortized Cost	270	305
Fair Value	$ 270	$ 305

Securities - Unrealized losses

Securities - Unrealized losses and the fair value (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	$ 17,358	$ 14,699
Fair Value of more than 12 months	12,257	23
Total Fair Value	29,615	14,722
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(2,146)	(881)
Gross unrealized losses more than 12 months	(2,856)	(1)
Total Gross unrealized losses	(5,002)	(882)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	691	571
Fair Value more than 12 months	604	156
Total Fair Value	1,295	727
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(26)	(79)
Gross unrealized losses more than 12 months	(261)	(3)
Total Gross unrealized losses	(287)	(82)
Structured certificates of deposit
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less		571
Fair Value of more than 12 months	398
Total Fair Value	398	571
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less		(79)
Gross unrealized losses more than 12 months	(252)
Total Gross unrealized losses	(252)	(79)
Residential mortgage-backed - US agency and GSEs
Fair value of debt securities available-for-sale:
Fair Value of more than 12 months	19	23
Total Fair Value	19	23
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses more than 12 months	(1)	(1)
Total Gross unrealized losses	(1)	(1)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	691
Fair Value more than 12 months	206	156
Total Fair Value	897	156
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(26)
Gross unrealized losses more than 12 months	(9)	(3)
Total Gross unrealized losses	(35)	(3)
Corporate bonds
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	7,028	9,925
Fair Value of more than 12 months	8,105
Total Fair Value	15,133	9,925
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(725)	(812)
Gross unrealized losses more than 12 months	(2,171)
Total Gross unrealized losses	(2,896)	(812)
State and political subdivisions
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	10,330	4,774
Fair Value of more than 12 months	4,133
Total Fair Value	14,463	4,774
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(1,421)	(69)
Gross unrealized losses more than 12 months	(684)
Total Gross unrealized losses	$ (2,105)	$ (69)

Securities - Narrative (Details

Securities - Narrative (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Minimum contractual maturity of mortgage back securities (in years)	20 years
Residential mortgage-backed - US agency and GSEs
Debt Securities, Available-for-sale [Line Items]
Number of securities	19
Number of government-backed securities with immaterial unrealized losses	19
Each government-backed securities | Maximum
Debt Securities, Available-for-sale [Line Items]
Unrealized loss | $	$ 1,900
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Number of securities	114
Bonds issued by corporate entities
Debt Securities, Available-for-sale [Line Items]
Number of securities	3
Aggregate loss | $	$ 1,100,000

Securities - Contractual maturi

Securities - Contractual maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities Available-for-Sale, Amortized Cost, Maturity
Due in one year or less	$ 431
Due over one year through five years	3,151
Due over five through ten years	4,343
Due after ten years	30,042
Total	37,967
Total	37,992	$ 36,703
Securities Available-for-Sale, Estimated Fair Value, Maturity
Due in one year or less	426
Due over one year through five years	3,004
Due over five through ten years	3,593
Due after ten years	26,003
Total	33,026
Fair Value	33,050	36,975
Securities Available-for-Sale, Held-to-Maturity, Maturity
Debt Securities, Held-to-maturity, Total	1,587	1,778
Securities Held-to-Maturity, Estimated Fair Value, Maturity
Fair Value	1,301	1,721
Residential Mortgage Backed Securities Member
Securities Available-for-Sale, Amortized Cost, Maturity
Structured certificates of deposit	25
Residential mortgage-backed securities	25
Securities Available-for-Sale, Estimated Fair Value, Maturity
Structured certificates of deposit	24
Residential mortgage-backed securities	24
Securities Available-for-Sale, Held-to-Maturity, Maturity
Structured certificates of deposit	937
Residential mortgage-backed securities	937
Securities Held-to-Maturity, Estimated Fair Value, Maturity
Structured certificates of deposit	903
Residential mortgage-backed securities	903
Structured certificates of deposit
Securities Available-for-Sale, Held-to-Maturity, Maturity
Structured certificates of deposit	650
Residential mortgage-backed securities	650
Debt Securities, Held-to-maturity, Total	650	650
Securities Held-to-Maturity, Estimated Fair Value, Maturity
Structured certificates of deposit	398
Residential mortgage-backed securities	398
Fair Value	$ 398	$ 571

Securities - Realized gains (lo

Securities - Realized gains (losses) on sales and redemptions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2022
Securities
Realized gains	$ 10,000
Realized Gain (Loss)	10,000
Securities available-for-sale, at fair value	36,975,000	$ 33,050,000
Asset Pledged as Collateral
Securities
Securities available-for-sale, at fair value	$ 8,775,000	$ 10,045,000

Loans Receivable - Major classi

Loans Receivable - Major classifications of loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 290,374	$ 264,658
Net deferred loan costs	16,221	15,590
Fair value credit and yield adjustment	(218)	(287)
Less: Allowance for loan losses	(2,497)	(1,841)	$ (1,821)
Loans receivable, net	303,880	278,120
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	138,388	113,061
Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	138,001	113,061
Less: Allowance for loan losses	(787)	(688)	(457)
Residential | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	387
Less: Allowance for loan losses	(2)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	29,212	34,462
Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,681	21,478
Less: Allowance for loan losses	(319)	(630)	(319)
Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	854	456
Less: Allowance for loan losses	(4)	(2)	(26)
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,677	12,528
Less: Allowance for loan losses	(248)	(161)	(617)
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,774	117,135
Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,562	9,701
Less: Allowance for loan losses	(65)	(39)	(46)
Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50,989	47,717
Less: Allowance for loan losses	(110)	(102)	(76)
Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,339	22,666
Less: Allowance for loan losses	(135)	(107)	(127)
Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,803	2,096
Less: Allowance for loan losses	(55)	(64)	(69)
Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,909	29,463
Less: Allowance for loan losses	(646)
Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,172	5,492
Less: Allowance for loan losses	(126)	(48)	$ (84)
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	279,737	251,512
Net deferred loan costs	16,274	15,650
Less: Allowance for loan losses	(2,497)	(1,841)
Loans receivable, net	293,514	265,321
Originated | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,835	102,766
Originated | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,448	102,766
Originated | Residential | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	387
Originated | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,710	32,556
Originated | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,262	19,734
Originated | Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	854	456
Originated | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,594	12,366
Originated | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,192	116,190
Originated | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,027	8,840
Originated | Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50,989	47,717
Originated | Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,339	22,666
Originated | Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,803	2,096
Originated | Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,909	29,463
Originated | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,125	5,408
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,637	13,146
Net deferred loan costs	(53)	(60)
Fair value credit and yield adjustment	(218)	(287)
Loans receivable, net	10,366	12,799
Acquired | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,553	10,295
Acquired | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,553	10,295
Acquired | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,502	1,906
Acquired | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,419	1,744
Acquired | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	83	162
Acquired | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	582	945
Acquired | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	535	861
Acquired | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 47	$ 84

Loans Receivable - Loan portfol

Loans Receivable - Loan portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 290,374	$ 264,658
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	279,338	253,263
Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,249	5,485
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,787	5,910
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	138,388	113,061
Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	134,671	109,332
Residential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,111	1,152
Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,606	2,577
Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	138,001	113,061
Residential | One- to four-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	134,284	109,332
Residential | One- to four-family | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,111	1,152
Residential | One- to four-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,606	2,577
Residential | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	387
Residential | Construction | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	387
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	29,212	34,462
Commercial | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,575	27,082
Commercial | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,220	4,157
Commercial | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,417	3,223
Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,681	21,478
Commercial | Real estate - nonresidential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,289	16,208
Commercial | Real estate - nonresidential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,691	3,045
Commercial | Real estate - nonresidential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	701	2,225
Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	854	456
Commercial | Multi-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	854	456
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,677	12,528
Commercial | Commercial business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,432	10,418
Commercial | Commercial business | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,529	1,112
Commercial | Commercial business | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	716	998
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,774	117,135
Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	121,092	116,849
Consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	918	176
Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	764	110
Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,562	9,701
Consumer | Home equity and junior liens | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,376	9,594
Consumer | Home equity and junior liens | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14	41
Consumer | Home equity and junior liens | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	172	66
Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50,989	47,717
Consumer | Manufactured homes | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50,297	47,717
Consumer | Manufactured homes | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	324
Consumer | Manufactured homes | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	368
Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,339	22,666
Consumer | Automobile | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,188	22,558
Consumer | Automobile | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	130	64
Consumer | Automobile | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	21	44
Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,803	2,096
Consumer | Student | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,735	2,096
Consumer | Student | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	68
Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,909	29,463
Consumer | Recreational Vehicle | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,445	29,424
Consumer | Recreational Vehicle | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	329	39
Consumer | Recreational Vehicle | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	135
Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,172	5,492
Consumer | Other consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,051	5,460
Consumer | Other consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	121	32
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	279,737	251,512
Originated | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	268,969	240,394
Originated | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,204	5,443
Originated | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,564	5,675
Originated | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,835	102,766
Originated | Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	126,336	99,294
Originated | Residential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,066	1,110
Originated | Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,433	2,362
Originated | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	129,448	102,766
Originated | Residential | One- to four-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	125,949	99,294
Originated | Residential | One- to four-family | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,066	1,110
Originated | Residential | One- to four-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,433	2,362
Originated | Residential | Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	387
Originated | Residential | Construction | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	387
Originated | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,710	32,556
Originated | Commercial | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,073	25,176
Originated | Commercial | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,220	4,157
Originated | Commercial | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,417	3,223
Originated | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,262	19,734
Originated | Commercial | Real estate - nonresidential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,870	14,464
Originated | Commercial | Real estate - nonresidential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,691	3,045
Originated | Commercial | Real estate - nonresidential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	701	2,225
Originated | Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	854	456
Originated | Commercial | Multi-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	854	456
Originated | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,594	12,366
Originated | Commercial | Commercial business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,349	10,256
Originated | Commercial | Commercial business | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,529	1,112
Originated | Commercial | Commercial business | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	716	998
Originated | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,192	116,190
Originated | Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	120,560	115,924
Originated | Consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	918	176
Originated | Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	714	90
Originated | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,027	8,840
Originated | Consumer | Home equity and junior liens | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,891	8,753
Originated | Consumer | Home equity and junior liens | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14	41
Originated | Consumer | Home equity and junior liens | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122	46
Originated | Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50,989	47,717
Originated | Consumer | Manufactured homes | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50,297	47,717
Originated | Consumer | Manufactured homes | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	324
Originated | Consumer | Manufactured homes | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	368
Originated | Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,339	22,666
Originated | Consumer | Automobile | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,188	22,558
Originated | Consumer | Automobile | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	130	64
Originated | Consumer | Automobile | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	21	44
Originated | Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,803	2,096
Originated | Consumer | Student | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,735	2,096
Originated | Consumer | Student | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	68
Originated | Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,909	29,463
Originated | Consumer | Recreational Vehicle | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,445	29,424
Originated | Consumer | Recreational Vehicle | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	329	39
Originated | Consumer | Recreational Vehicle | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	135
Originated | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,125	5,408
Originated | Consumer | Other consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,004	5,376
Originated | Consumer | Other consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	121	32
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,637	13,146
Acquired | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,369	12,869
Acquired | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	45	42
Acquired | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	223	235
Acquired | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,553	10,295
Acquired | Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,335	10,038
Acquired | Residential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	45	42
Acquired | Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	173	215
Acquired | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,553	10,295
Acquired | Residential | One- to four-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,335	10,038
Acquired | Residential | One- to four-family | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	45	42
Acquired | Residential | One- to four-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	173	215
Acquired | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,502	1,906
Acquired | Commercial | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,502	1,906
Acquired | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,419	1,744
Acquired | Commercial | Real estate - nonresidential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,419	1,744
Acquired | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	83	162
Acquired | Commercial | Commercial business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	83	162
Acquired | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	582	945
Acquired | Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	532	925
Acquired | Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50	20
Acquired | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	535	861
Acquired | Consumer | Home equity and junior liens | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	485	841
Acquired | Consumer | Home equity and junior liens | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50	20
Acquired | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	47	84
Acquired | Consumer | Other consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 47	$ 84

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Loans past due after interest is not received	30 days
Period past due when interest is discontinued	90 days
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Total loans	$ 290,374	$ 264,658
Non-accrual loans	4,372	3,264
Number of loans past due more than ninety days and still accruing	0	0
Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	12,211	10,763
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,017	5,885
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,251	1,614
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,943	3,264
Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	278,163	253,895
Residential
Financing Receivable, Past Due [Line Items]
Total loans	138,388	113,061
Non-accrual loans	2,605	2,577
Residential | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	7,101	6,857
Residential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,235	3,455
Residential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,261	825
Residential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,605	2,577
Residential | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	131,287	106,204
Residential | One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	138,001	113,061
Residential | One- to four-family | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	7,101	6,857
Residential | One- to four-family | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,235	3,455
Residential | One- to four-family | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,261	825
Residential | One- to four-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,605	2,577
Residential | One- to four-family | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	130,900	106,204
Residential | 1-4 family first-lien
Financing Receivable, Past Due [Line Items]
Non-accrual loans	2,605	2,577
Residential | Construction
Financing Receivable, Past Due [Line Items]
Total loans	387
Residential | Construction | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	387
Commercial
Financing Receivable, Past Due [Line Items]
Total loans	29,212	34,462
Non-accrual loans	1,003	577
Commercial | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	957	1,001
Commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	383	416
Commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	574	577
Commercial | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	28,255	33,461
Commercial | Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	16,681	21,478
Non-accrual loans	416	416
Commercial | Real estate - nonresidential | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	670	805
Commercial | Real estate - nonresidential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	254	389
Commercial | Real estate - nonresidential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	416
Commercial | Real estate - nonresidential | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	16,011	20,673
Commercial | Multi-family
Financing Receivable, Past Due [Line Items]
Total loans	854	456
Commercial | Multi-family | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	854	456
Commercial | Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	11,677	12,528
Non-accrual loans	587	161
Commercial | Commercial business | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	287	196
Commercial | Commercial business | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	129	27
Commercial | Commercial business | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Commercial | Commercial business | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	158	161
Commercial | Commercial business | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	11,390	12,332
Consumer
Financing Receivable, Past Due [Line Items]
Total loans	122,774	117,135
Non-accrual loans	764	110
Consumer | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	4,153	2,905
Consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,399	2,014
Consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	990	781
Consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	764	110
Consumer | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	118,621	114,230
Consumer | Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	11,562	9,701
Non-accrual loans	172	66
Consumer | Home equity and junior liens | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	450	246
Consumer | Home equity and junior liens | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	193	149
Consumer | Home equity and junior liens | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	85	31
Consumer | Home equity and junior liens | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	172	66
Consumer | Home equity and junior liens | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	11,112	9,455
Consumer | Manufactured homes
Financing Receivable, Past Due [Line Items]
Total loans	50,989	47,717
Non-accrual loans	368
Consumer | Manufactured homes | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,388	1,537
Consumer | Manufactured homes | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	696	922
Consumer | Manufactured homes | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	324	615
Consumer | Manufactured homes | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	368
Consumer | Manufactured homes | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	49,601	46,180
Consumer | Automobile
Financing Receivable, Past Due [Line Items]
Total loans	24,339	22,666
Non-accrual loans	21	44
Consumer | Automobile | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	553	276
Consumer | Automobile | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	402	168
Consumer | Automobile | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	130	64
Consumer | Automobile | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	21	44
Consumer | Automobile | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	23,786	22,390
Consumer | Student
Financing Receivable, Past Due [Line Items]
Total loans	1,803	2,096
Non-accrual loans	68
Consumer | Student | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	68	95
Consumer | Student | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		95
Consumer | Student | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	68
Consumer | Student | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,735	2,001
Consumer | Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total loans	26,909	29,463
Non-accrual loans	135
Consumer | Recreational Vehicle | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,469	644
Consumer | Recreational Vehicle | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,005	605
Consumer | Recreational Vehicle | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	329	39
Consumer | Recreational Vehicle | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	135
Consumer | Recreational Vehicle | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	25,440	28,819
Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	7,172	5,492
Consumer | Other consumer | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	225	107
Consumer | Other consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	103	75
Consumer | Other consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	122	32
Consumer | Other consumer | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	6,947	5,385
Originated
Financing Receivable, Past Due [Line Items]
Total loans	279,737	251,512
Originated | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	11,609	10,115
Originated | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	5,741	5,540
Originated | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,148	1,546
Originated | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,720	3,029
Originated | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	268,128	241,397
Originated | Residential
Financing Receivable, Past Due [Line Items]
Total loans	129,835	102,766
Originated | Residential | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,557	6,256
Originated | Residential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,967	3,137
Originated | Residential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,158	757
Originated | Residential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,432	2,362
Originated | Residential | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	123,278	96,510
Originated | Residential | One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	129,448	102,766
Originated | Residential | One- to four-family | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,557	6,256
Originated | Residential | One- to four-family | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,967	3,137
Originated | Residential | One- to four-family | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,158	757
Originated | Residential | One- to four-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,432	2,362
Originated | Residential | One- to four-family | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	122,891	96,510
Originated | Residential | Construction
Financing Receivable, Past Due [Line Items]
Total loans	387
Originated | Residential | Construction | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	387
Originated | Commercial
Financing Receivable, Past Due [Line Items]
Total loans	27,710	32,556
Originated | Commercial | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	957	974
Originated | Commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	383	389
Originated | Commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Originated | Commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	574	577
Originated | Commercial | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	26,753	31,582
Originated | Commercial | Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	15,262	19,734
Originated | Commercial | Real estate - nonresidential | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	670	805
Originated | Commercial | Real estate - nonresidential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	254	389
Originated | Commercial | Real estate - nonresidential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	416
Originated | Commercial | Real estate - nonresidential | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	14,592	18,929
Originated | Commercial | Multi-family
Financing Receivable, Past Due [Line Items]
Total loans	854	456
Originated | Commercial | Multi-family | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	854	456
Originated | Commercial | Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	11,594	12,366
Originated | Commercial | Commercial business | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	287	169
Originated | Commercial | Commercial business | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	129
Originated | Commercial | Commercial business | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		8
Originated | Commercial | Commercial business | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	158	161
Originated | Commercial | Commercial business | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	11,307	12,197
Originated | Consumer
Financing Receivable, Past Due [Line Items]
Total loans	122,192	116,190
Originated | Consumer | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	4,095	2,885
Originated | Consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,391	2,014
Originated | Consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	990	781
Originated | Consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	714	90
Originated | Consumer | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	118,097	113,305
Originated | Consumer | Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	11,027	8,840
Originated | Consumer | Home equity and junior liens | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	400	226
Originated | Consumer | Home equity and junior liens | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	193	149
Originated | Consumer | Home equity and junior liens | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	85	31
Originated | Consumer | Home equity and junior liens | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	122	46
Originated | Consumer | Home equity and junior liens | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	10,627	8,614
Originated | Consumer | Manufactured homes
Financing Receivable, Past Due [Line Items]
Total loans	50,989	47,717
Originated | Consumer | Manufactured homes | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,388	1,537
Originated | Consumer | Manufactured homes | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	696	922
Originated | Consumer | Manufactured homes | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	324	615
Originated | Consumer | Manufactured homes | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	368
Originated | Consumer | Manufactured homes | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	49,601	46,180
Originated | Consumer | Automobile
Financing Receivable, Past Due [Line Items]
Total loans	24,339	22,666
Originated | Consumer | Automobile | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	553	276
Originated | Consumer | Automobile | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	402	168
Originated | Consumer | Automobile | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	130	64
Originated | Consumer | Automobile | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	21	44
Originated | Consumer | Automobile | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	23,786	22,390
Originated | Consumer | Student
Financing Receivable, Past Due [Line Items]
Total loans	1,803	2,096
Originated | Consumer | Student | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	68	95
Originated | Consumer | Student | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		95
Originated | Consumer | Student | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	68
Originated | Consumer | Student | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,735	2,001
Originated | Consumer | Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total loans	26,909	29,463
Originated | Consumer | Recreational Vehicle | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,469	644
Originated | Consumer | Recreational Vehicle | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,005	605
Originated | Consumer | Recreational Vehicle | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	329	39
Originated | Consumer | Recreational Vehicle | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	135
Originated | Consumer | Recreational Vehicle | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	25,440	28,819
Originated | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	7,125	5,408
Originated | Consumer | Other consumer | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	217	107
Originated | Consumer | Other consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	95	75
Originated | Consumer | Other consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	122	32
Originated | Consumer | Other consumer | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	6,908	5,301
Acquired
Financing Receivable, Past Due [Line Items]
Total loans	10,637	13,146
Acquired | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	602	648
Acquired | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	276	345
Acquired | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	103	68
Acquired | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	223	235
Acquired | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	10,035	12,498
Acquired | Residential
Financing Receivable, Past Due [Line Items]
Total loans	8,553	10,295
Acquired | Residential | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	544	601
Acquired | Residential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	268	318
Acquired | Residential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	103	68
Acquired | Residential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	173	215
Acquired | Residential | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	8,009	9,694
Acquired | Residential | One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	8,553	10,295
Acquired | Residential | One- to four-family | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	544	601
Acquired | Residential | One- to four-family | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	268	318
Acquired | Residential | One- to four-family | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	103	68
Acquired | Residential | One- to four-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	173	215
Acquired | Residential | One- to four-family | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	8,009	9,694
Acquired | Commercial
Financing Receivable, Past Due [Line Items]
Total loans	1,502	1,906
Acquired | Commercial | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired | Commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired | Commercial | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,502	1,879
Acquired | Commercial | Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	1,419	1,744
Acquired | Commercial | Real estate - nonresidential | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,419	1,744
Acquired | Commercial | Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	83	162
Acquired | Commercial | Commercial business | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired | Commercial | Commercial business | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired | Commercial | Commercial business | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	83	135
Acquired | Consumer
Financing Receivable, Past Due [Line Items]
Total loans	582	945
Acquired | Consumer | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	58	20
Acquired | Consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	8
Acquired | Consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	20
Acquired | Consumer | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	524	925
Acquired | Consumer | Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	535	861
Acquired | Consumer | Home equity and junior liens | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	20
Acquired | Consumer | Home equity and junior liens | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	20
Acquired | Consumer | Home equity and junior liens | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	485	841
Acquired | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	47	84
Acquired | Consumer | Other consumer | Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	8
Acquired | Consumer | Other consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	8
Acquired | Consumer | Other consumer | Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	$ 39	$ 84

Loans Receivable - Troubled Deb

Loans Receivable - Troubled Debt Restructuring (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR | loan	0	7
Current outstanding recorded investment | $	$ 2,500,000	$ 3,000,000
TDR loans | loan	7	15
Number of Contracts, subsequent default | loan	0	0
TDR loans past due to be considered in default	90 days
Number of contracts in non-accrual status | loan	1
Amount of contracts in non-accrual status | $	$ 7,000
Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR | loan		4
Pre-Modification outstanding recorded investment | $		$ 336,000
Post-Modification outstanding recorded investment | $		$ 336,000
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR | loan		3
Pre-Modification outstanding recorded investment | $		$ 46,000
Post-Modification outstanding recorded investment | $		$ 46,000

Loans Receivable - Impaired Loa

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Recorded Investment
Total:	$ 4,159	$ 3,187
Unpaid Principal Balance
Total:	4,362	3,358
Related Allowance		19
Average Recorded Investment
Total:	4,215	3,224
Interest recognized on cash basis	115	82
Residential | One- to four-family
Recorded Investment
With no related allowance recorded:	2,560	2,352
With an allowance recorded:		224
Total:	2,560	2,576
Unpaid Principal Balance
With no related allowance recorded:	2,641	2,423
With an allowance recorded:		224
Total:	2,641	2,647
Related Allowance		7
Average Recorded Investment
Total:	2,562	2,607
Interest recognized on cash basis	63	78
Commercial | Real estate - nonresidential
Recorded Investment
With no related allowance recorded:	701	416
Total:	701	416
Unpaid Principal Balance
With no related allowance recorded:	801	516
Total:	801	516
Average Recorded Investment
Total:	708	416
Interest recognized on cash basis	16	1
Commercial | Commercial business
Recorded Investment
With no related allowance recorded:	717	73
With an allowance recorded:		55
Total:	717	128
Unpaid Principal Balance
With no related allowance recorded:	729	73
With an allowance recorded:		55
Total:	729	128
Related Allowance		12
Average Recorded Investment
Total:	764	130
Interest recognized on cash basis	33	1
Commercial | Home equity and junior liens
Recorded Investment
With no related allowance recorded:	181	67
Total:	181	67
Unpaid Principal Balance
With no related allowance recorded:	191	67
Total:	191	67
Average Recorded Investment
Total:	181	71
Interest recognized on cash basis	$ 3	$ 2

Servicing (Details)

Servicing (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Other Assets
Servicing Asset at Amortized Cost [Line Items]
Capitalized servicing rights	$ 14,000	$ 17,000
One- to four-family residential mortgage loan
Servicing Asset at Amortized Cost [Line Items]
Mortgage loans	9,900,000	11,900,000
Outstanding balance sold with recourse	$ 8,300,000	$ 10,300,000

Allowance for Loan Loss (Detail

Allowance for Loan Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Allowance for loan losses:
Beginning Balance	$ 1,841	$ 1,821
Charge-offs	(152)	(647)
Recoveries	177	127
Provision (credit) for loan losses	631	540
Ending balance	2,497	1,841
Ending balance: related to loans individually evaluated for impairment		19
Ending balance: related to loans collectively evaluated for impairment	2,497	1,822
Loans receivable - Ending balance	290,374	264,658
Loans receivable - Ending balance: individually evaluated for impairment	4,159	3,187
Loans receivable - Ending balance: collectively evaluated for impairment	286,215	261,471
Residential
Allowance for loan losses:
Loans receivable - Ending balance	138,388	113,061
Residential | One- to four-family
Allowance for loan losses:
Beginning Balance	688	457
Charge-offs	(37)	(117)
Recoveries	18	28
Provision (credit) for loan losses	118	320
Ending balance	787	688
Ending balance: related to loans individually evaluated for impairment		7
Ending balance: related to loans collectively evaluated for impairment	787	681
Loans receivable - Ending balance	138,001	113,061
Loans receivable - Ending balance: individually evaluated for impairment	2,560	2,576
Loans receivable - Ending balance: collectively evaluated for impairment	135,441	110,485
Residential | Construction
Allowance for loan losses:
Provision (credit) for loan losses	2
Ending balance	2
Ending balance: related to loans collectively evaluated for impairment	2
Loans receivable - Ending balance	387
Loans receivable - Ending balance: collectively evaluated for impairment	387
Commercial
Allowance for loan losses:
Loans receivable - Ending balance	29,212	34,462
Commercial | Real estate - nonresidential
Allowance for loan losses:
Beginning Balance	630	319
Charge-offs		(386)
Recoveries		16
Provision (credit) for loan losses	(311)	681
Ending balance	319	630
Ending balance: related to loans collectively evaluated for impairment	319	630
Loans receivable - Ending balance	16,681	21,478
Loans receivable - Ending balance: individually evaluated for impairment	701	416
Loans receivable - Ending balance: collectively evaluated for impairment	15,980	21,062
Commercial | Multi-family
Allowance for loan losses:
Beginning Balance	2	26
Recoveries		12
Provision (credit) for loan losses	2	(36)
Ending balance	4	2
Ending balance: related to loans collectively evaluated for impairment	4	2
Loans receivable - Ending balance	854	456
Loans receivable - Ending balance: collectively evaluated for impairment	854	456
Commercial | Commercial business
Allowance for loan losses:
Beginning Balance	161	617
Charge-offs	(14)	(84)
Recoveries	2	7
Provision (credit) for loan losses	99	(379)
Ending balance	248	161
Ending balance: related to loans individually evaluated for impairment		12
Ending balance: related to loans collectively evaluated for impairment	248	149
Loans receivable - Ending balance	11,677	12,528
Loans receivable - Ending balance: individually evaluated for impairment	717	128
Loans receivable - Ending balance: collectively evaluated for impairment	10,960	12,400
Consumer
Allowance for loan losses:
Loans receivable - Ending balance	122,774	117,135
Consumer | Home equity and junior liens
Allowance for loan losses:
Beginning Balance	39	46
Charge-offs	(10)	(2)
Provision (credit) for loan losses	36	(5)
Ending balance	65	39
Ending balance: related to loans collectively evaluated for impairment	65	39
Loans receivable - Ending balance	11,562	9,701
Loans receivable - Ending balance: individually evaluated for impairment	181	67
Loans receivable - Ending balance: collectively evaluated for impairment	11,381	9,634
Consumer | Manufactured homes
Allowance for loan losses:
Beginning Balance	102	76
Provision (credit) for loan losses	8	26
Ending balance	110	102
Ending balance: related to loans collectively evaluated for impairment	110	102
Loans receivable - Ending balance	50,989	47,717
Loans receivable - Ending balance: collectively evaluated for impairment	50,989	47,717
Consumer | Automobile
Allowance for loan losses:
Beginning Balance	107	127
Charge-offs	(59)	(12)
Recoveries	149	48
Provision (credit) for loan losses	(62)	(56)
Ending balance	135	107
Ending balance: related to loans collectively evaluated for impairment	135	107
Loans receivable - Ending balance	24,339	22,666
Loans receivable - Ending balance: collectively evaluated for impairment	24,339	22,666
Consumer | Student
Allowance for loan losses:
Beginning Balance	64	69
Charge-offs	(29)
Recoveries	3	3
Provision (credit) for loan losses	17	(8)
Ending balance	55	64
Ending balance: related to loans collectively evaluated for impairment	55	64
Loans receivable - Ending balance	1,803	2,096
Loans receivable - Ending balance: collectively evaluated for impairment	1,803	2,096
Consumer | Recreational Vehicle
Allowance for loan losses:
Charge-offs	(1)	(1)
Recoveries	1	8
Provision (credit) for loan losses	646	(7)
Ending balance	646
Ending balance: related to loans collectively evaluated for impairment	646
Loans receivable - Ending balance	26,909	29,463
Loans receivable - Ending balance: collectively evaluated for impairment	26,909	29,463
Consumer | Other consumer
Allowance for loan losses:
Beginning Balance	48	84
Charge-offs	(2)	(45)
Recoveries	4	5
Provision (credit) for loan losses	76	4
Ending balance	126	48
Ending balance: related to loans collectively evaluated for impairment	126	48
Loans receivable - Ending balance	7,172	5,492
Loans receivable - Ending balance: collectively evaluated for impairment	$ 7,172	$ 5,492

Federal Home Loan Bank of New_2

Federal Home Loan Bank of New York Stock (Details)	12 Months Ended
	Dec. 31, 2022
Federal Home Loan Bank, Advances [Line Items]
Percentage of outstanding advances from the FHLB	5%
Residential
Federal Home Loan Bank, Advances [Line Items]
Unpaid principal balance	1%

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 29,664	$ 29,203
Less: Accumulated depreciation	14,801	13,858
Total premises and equipment	14,863	15,345
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	3,867	3,867
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	18,265	18,049
Equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	7,493	7,256
Construction in progress
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 39	$ 31

Intangible Assets and Goodwil_2

Intangible Assets and Goodwill - Summarized (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 792,000	$ 792,000
Gross Carrying Amount	1,761,000	1,761,000
Accumulated Amortization	(251,000)	(186,000)
Net Value, including goodwill	1,510,000	1,575,000
Non-compete agreements
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	5,000	5,000
Accumulated Amortization	(4,000)	(4,000)
Total	1,000	1,000
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	964,000	964,000
Accumulated Amortization	(247,000)	(182,000)
Total	$ 717,000	$ 782,000

Intangible Assets and Goodwil_3

Intangible Assets and Goodwill - Narrative (Details) - USD ($)			12 Months Ended
	Sep. 29, 2018	Jan. 01, 2017	Dec. 31, 2022	Dec. 31, 2021	Dec. 28, 2016
Acquired Finite-Lived Intangible Assets [Line Items]
Goodwill			$ 792,000	$ 792,000
Effective income tax rate			21%	21%
John G. Sweeney Agency, Inc
Acquired Finite-Lived Intangible Assets [Line Items]
Goodwill					$ 465,000
Period covered by non-compete covenant		7 years
Acquired intangible asset					$ 5,000
Medina Savings and Loan Association
Acquired Finite-Lived Intangible Assets [Line Items]
Shares issued in connection with acquisition	171,440
Core deposit intangible | Medina Savings and Loan Association
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization period of intangible asset	15 years
Acquired intangible asset	$ 964,000
Percentage of intangible assets acquired of the total acquired intangible assets	2.50%
Effective income tax rate	21%
Non-compete agreements | John G. Sweeney Agency, Inc
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization period of intangible asset		7 years

Intangible Assets and Goodwil_4

Intangible Assets and Goodwill - Aggregate Amortization Expense (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Intangible Assets
Amortization expense	$ 65,000	$ 65,000
Amortization Expense
2023	64,000
2024	64,000
2025	64,000
2026	64,000
2027	64,000
Total	320,000
Impairment losses on intangible assets	0	0
Impairment losses on goodwill	0	$ 0
Core deposit intangible
Intangible Assets
Amortization expense	$ 64,000

Deposits - Type of Deposits (De

Deposits - Type of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits
Checking accounts, non-interest bearing	$ 54,609	$ 57,540
Checking accounts, interest-bearing	38,137	37,169
Money market accounts	26,456	31,333
Savings accounts	92,643	110,272
Time deposits	105,833	75,735
Total deposits	317,678	312,049
Reciprocal deposit	$ 33,000	$ 19,000

Deposits - Maturities of Time D

Deposits - Maturities of Time Deposits (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Deposits
2023	$ 89,200,000
2024	8,571,000
2025	6,442,000
2026	719,000
2027	676,000
Thereafter	225,000
Total time deposits	105,833,000	$ 75,735,000
Time deposits equal to or greater than $250,000	$ 29,087,000	$ 24,164,000

Borrowings - Composition of bor

Borrowings - Composition of borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Short-term:
FHLB Advances	$ 16,200
Long-term:
Total long-term borrowings	10,334	$ 17,760
Term advances
Long-term:
Total long-term borrowings	2,281	3,300
Amortizing advances
Long-term:
Total long-term borrowings	$ 8,053	$ 14,460

Borrowings - Principal balances

Borrowings - Principal balances and interest rates of borrowings (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Short-term:
FHLB Advances	$ 16,200,000
Long-term:
Total long-term borrowings	10,334,000	$ 17,760,000
Minimum
Short-term:
FHLB Advances	3.96
Maximum
Short-term:
FHLB Advances	4.75
Term advances
Long-term:
Total long-term borrowings	$ 2,281,000	$ 3,300,000
Term advances | Minimum
Long-term:
FHLB loan Interest rate	0%	1.45%
Term advances | Maximum
Long-term:
FHLB loan Interest rate	2.48%	2.48%
Amortizing advances
Long-term:
Total long-term borrowings	$ 8,053,000	$ 14,460,000
Amortizing advances | Minimum
Long-term:
FHLB loan Interest rate	0.96%	0.96%
Amortizing advances | Maximum
Long-term:
FHLB loan Interest rate	3.03%	3.03%

Borrowings - Maturities of borr

Borrowings - Maturities of borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Borrowings
Short-term advances with FHLB	$ 16,200
Long-term:
Due within 1 year	2,844	$ 6,457
Due within 2 years	3,935	3,153
Due within 3 years	1,145	5,250
Due within 4 years	1,818	1,375
Due within 5 years	462	932
Thereafter	130	593
Total long-term borrowings	$ 10,334	$ 17,760

Borrowings - Narrative (Details

Borrowings - Narrative (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Loans	$ 306,377,000	$ 279,961,000
Federal Home Loan Bank stock, at cost	1,740,000	1,450,000
Outstanding amount	$ 0	0
FHLB credit line
Debt Instrument [Line Items]
Required value of securities to be pledge as a percent of outstanding balance	120%
Asset Pledged as Collateral | FHLB credit line
Debt Instrument [Line Items]
FHLB outstanding advances	$ 31,800,000	21,300,000
Carrying value	31,800,000	21,300,000
FHLB Stock | Asset Pledged as Collateral
Debt Instrument [Line Items]
Federal Home Loan Bank stock, at cost	1,700,000	1,500,000
Residential | Asset Pledged as Collateral
Debt Instrument [Line Items]
Loans	91,600,000	$ 65,900,000
FHLB credit line
Debt Instrument [Line Items]
Current available capacity	62,300,000
Unused capacity	41,500,000
Unsecured Line of Credit with Correspondent Bank
Debt Instrument [Line Items]
Line of credit	10,000,000
Fed Fund Line of Credit
Debt Instrument [Line Items]
Line of credit	$ 5,500,000

Income Taxes - Income Taxes Exp

Income Taxes - Income Taxes Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Current tax expense (benefit):
Federal	$ (15)	$ 21
State	31	78
Total current tax expense	16	99
Deferred tax benefit:
Federal	200	184
Total deferred tax expense	200	184
Expense for income taxes	$ 216	$ 283

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Assets:
Deferred Compensation	$ 213	$ 227
Allowance for loan losses	570	447
Net operating loss carryforward	720	859
Investment securities, unrealized losses	1,000
Nonaccrual interest	62	46
Equity incentive plan	17
Other	101	101
Total deferred tax assets	2,683	1,680
Liabilities:
Pension	(2,246)	(2,332)
Intangible assets	(198)	(210)
Investment securities, unrealized gains		(105)
Mortgage servicing rights	(3)	(3)
Depreciation	(89)	(143)
Other	(3)	(5)
Total deferred tax liabilities	(2,539)	(2,798)
Net deferred tax asset (liability)	144
Net deferred tax asset (liability)		(1,118)
Net Income (Loss) Attributable to Parent	1,087	$ 1,413
Seneca Cayuga Bancorp
Liabilities:
Operating Loss Carryforwards	1,000
Operating loss carryforwards, without expiry	$ 2,500

Income Taxes -Reconciliation of

Income Taxes -Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Taxes
Federal statutory income tax rate	21%	21%
State tax, net of federal benefit	4%	3.60%
Bank owned life insurance and other permanent differences	1%	(0.10%)
Tax exempt income	(6.30%)	(4.70%)
Other	(3.10%)	(3.10%)
Effective income tax rate	16.60%	16.70%
Base-year tax bad debt reserves	$ 332,000	$ 332,000

Employee Benefit Plans - 401(k)

Employee Benefit Plans - 401(k) Plan (Details) - 401(k) Plan	12 Months Ended
	Dec. 31, 2022 USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer matching contribution	25%
Vesting period for matching contribution	5 years
Expense attributable to contributions made by the Company	$ 57,000
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Voluntary contributions by participating employees	15%
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Voluntary contributions by participating employees	1%

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Plan Description (Details)	12 Months Ended
	Dec. 31, 2022 plan age
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Age to qualify for defined pension plans	21
Service period to qualify for defined pension plans	1 year
Defined Benefit Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of pension plans | plan	2
Age to qualify for defined pension plans	21
Service period to qualify for defined pension plans	1 year
Vesting Period	5 years

Employee Benefit Plans - Change

Employee Benefit Plans - Changes in benefit obligation, plan asset and funded status (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Change in plan assets:
Fair value of plan assets at beginning of year	$ 11,107,000
Fair value of plan assets at end of year	10,697,000	$ 11,107,000
Generations Bank Plan
Change in benefit obligations:
Benefit obligations at beginning of year	12,110,000	12,005,000
Service cost	431,000	458,000
Interest cost	409,000	420,000
Actuarial (gain) loss	(3,996,000)	289,000
Benefits paid	(951,000)	(1,062,000)
Benefit obligations at end of year	8,003,000	12,110,000
Change in plan assets:
Fair value of plan assets at beginning of year	20,281,000	18,332,000
Actual (loss) return on plan assets	(3,492,000)	2,646,000
Benefits paid	(951,000)	(1,062,000)
Employer contributions	329,000	365,000
Fair value of plan assets at end of year	16,167,000	20,281,000
Funded Status	8,164,000	8,171,000
Medina Savings and Loan Plan
Change in benefit obligations:
Benefit obligations at beginning of year	3,301,000	3,501,000
Service cost	33,000	31,000
Interest cost	110,000	130,000
Actuarial (gain) loss	792,000	(26,000)
Benefits reimbursed (paid)	(326,000)	(387,000)
Benefit obligations at end of year	2,326,000	3,301,000
Change in plan assets:
Fair value of plan assets at beginning of year	6,237,000	5,894,000
Actual (loss) return on plan assets	(1,052,000)	712,000
Benefits reimbursed (paid)	(326,000)	(386,000)
Employer contributions		17,000
Fair value of plan assets at end of year	4,859,000	6,237,000
Funded Status	$ 2,533,000	$ 2,936,000

Employee Benefit Plans - Amount

Employee Benefit Plans - Amounts in AOCL (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Generations Bank Plan
Amounts recognized in accumulated other comprehensive loss
Unrecognized net (gain) loss	$ 2,952,000	$ 1,924,000
Tax effect	620,000	404,000
Amounts recognized in accumulated other comprehensive loss	2,332,000	1,520,000
Accumulated benefit obligation	7,187,000	10,683,000
Medina Savings and Loan Plan
Amounts recognized in accumulated other comprehensive loss
Unrecognized net (gain) loss	292,000	(429,000)
Tax effect	61,000	(90,000)
Amounts recognized in accumulated other comprehensive loss	231,000	(339,000)
Accumulated benefit obligation	$ 2,298,000	$ 3,234,000

Employee Benefit Plans - Assump

Employee Benefit Plans - Assumptions to determine benefit obligations (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Assumptions used to determine benefit obligations
Bond Price Based On Recent Market Transaction Period	75 days
Generations Bank Plan
Assumptions used to determine benefit obligations
Weighted average discount rate	6.02%	3.42%
Rate of increase in future compensation levels	4%	4%
Medina Savings and Loan Plan
Assumptions used to determine benefit obligations
Weighted average discount rate	6.01%	3.44%
Rate of increase in future compensation levels	4%	4%

Employee Benefit Plans - Defi_2

Employee Benefit Plans - Defined Benefit Plan - Net periodic pension benefit (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Net periodic expenses recognized in income:
Net actuarial (gain) loss	$ 1,748,000	$ (1,098,000)
Generations Bank Plan
Net periodic expenses recognized in income:
Service cost	431,000	458,000
Interest cost	$ 409,000	$ 420,000
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Labor and Related Expense	Labor and Related Expense
Expected return on plan assets	$ (1,533,000)	$ (1,481,000)
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Expected Return (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Labor and Related Expense	Labor and Related Expense
Amortization of net losses		$ 114,000
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax	Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax
Net periodic pension benefit	$ (693,000)	$ (489,000)
Net actuarial (gain) loss	1,028,000	(875,000)
Amortization of net actuarial loss		(114,000)
Total recognized in other comprehensive (income) loss	1,028,000	(989,000)
Total recognized in net periodic pension benefit and other comprehensive (income) loss	335,000	(1,478,000)
Amortization expenses	161,000
Medina Savings and Loan Plan
Net periodic expenses recognized in income:
Service cost	33,000	31,000
Interest cost	110,000	130,000
Expected return on plan assets	(460,000)	(464,000)
Net periodic pension benefit	(317,000)	(303,000)
Net actuarial (gain) loss	720,000	(222,000)
Total recognized in other comprehensive (income) loss	720,000	(222,000)
Total recognized in net periodic pension benefit and other comprehensive (income) loss	403,000	$ (525,000)
Amortization expenses	$ 0

Employee Benefit Plans - Defi_3

Employee Benefit Plans - Defined Benefit Plan - Assumptions to determine expense (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Generations Bank Plan
Weighted-average assumptions were used to determine net periodic pension expense
Weighted average discount rate	3.42%	3.55%
Long-term rate of return on plan assets	7.50%	8%
Rate of increase in future compensation levels	4%	4%
Medina Savings and Loan Plan
Weighted-average assumptions were used to determine net periodic pension expense
Weighted average discount rate	3.44%	3.83%
Long-term rate of return on plan assets	7.50%	8%
Rate of increase in future compensation levels	4%	3%

Employee Benefit Plans - Defi_4

Employee Benefit Plans - Defined Benefit Plan - Expected benefit payments (Details)	Dec. 31, 2022 USD ($)
Generations Bank Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expects to contribute in 2023	$ 361,000
Expected benefit payments to be paid to participants
2023	358,000
2024	379,000
2025	392,000
2026	391,000
2027	424,000
2028-2032	3,466,000
Medina Savings and Loan Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expects to contribute in 2023	0
Expected benefit payments to be paid to participants
2023	188,000
2024	186,000
2025	184,000
2026	183,000
2027	192,000
2028-2032	$ 916,000

Employee Benefit Plans - Defi_5

Employee Benefit Plans - Defined Benefit Plan - Investment Policies and Strategies (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	$ 11,107,000	$ 10,697,000
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Target allocation		65%
Debt securities
Defined Benefit Plan Disclosure [Line Items]
Target allocation		35%
Generations Bank Plan
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	20,281,000	$ 16,167,000	$ 18,332,000
Generations Bank Plan | Equity Income Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,631,000	1,369,000
Generations Bank Plan | Large Cap S&P 500 Index Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	3,280,000	2,631,000
Generations Bank Plan | Blue Chip Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,635,000	1,308,000
Generations Bank Plan | Mid-Cap Value Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,038,000	843,000
Generations Bank Plan | Mid-Cap S&P 400 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,458,000	1,159,000
Generations Bank Plan | Mid-Cap Growth Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,030,000	777,000
Generations Bank Plan | Small-Cap Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,248,000	977,000
Generations Bank Plan | Small-Cap S&P 600 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,247,000	947,000
Generations Bank Plan | Intern'l Emerging Markets Separate Acct-Z
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	818,000	672,000
Generations Bank Plan | Liquid Assets Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	24,000	20,000
Generations Bank Plan | LDI Short Durations Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	982,000	778,000
Generations Bank Plan | Core Fixed Income Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,961,000	1,560,000
Generations Bank Plan | Core Plus Bond Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	3,929,000	3,126,000
Generations Bank Plan | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	20,281,000	16,167,000
Generations Bank Plan | Level 2 | Equity Income Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,631,000	1,369,000
Generations Bank Plan | Level 2 | Large Cap S&P 500 Index Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	3,280,000	2,631,000
Generations Bank Plan | Level 2 | Blue Chip Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,635,000	1,308,000
Generations Bank Plan | Level 2 | Mid-Cap Value Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,038,000	843,000
Generations Bank Plan | Level 2 | Mid-Cap S&P 400 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,458,000	1,159,000
Generations Bank Plan | Level 2 | Mid-Cap Growth Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,030,000	777,000
Generations Bank Plan | Level 2 | Small-Cap Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,248,000	977,000
Generations Bank Plan | Level 2 | Small-Cap S&P 600 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,247,000	947,000
Generations Bank Plan | Level 2 | Intern'l Emerging Markets Separate Acct-Z
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	818,000	672,000
Generations Bank Plan | Level 2 | Liquid Assets Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	24,000	20,000
Generations Bank Plan | Level 2 | LDI Short Durations Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	982,000	778,000
Generations Bank Plan | Level 2 | Core Fixed Income Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,961,000	1,560,000
Generations Bank Plan | Level 2 | Core Plus Bond Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	3,929,000	3,126,000
Medina Savings and Loan Plan
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	6,237,000	4,859,000	$ 5,894,000
Medina Savings and Loan Plan | Equity Income Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	500,000	411,000
Medina Savings and Loan Plan | Large Cap S&P 500 Index Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	996,000	789,000
Medina Savings and Loan Plan | Blue Chip Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	494,000	392,000
Medina Savings and Loan Plan | Mid-Cap Value Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	316,000	253,000
Medina Savings and Loan Plan | Mid-Cap S&P 400 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	442,000	348,000
Medina Savings and Loan Plan | Mid-Cap Growth Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	309,000	233,000
Medina Savings and Loan Plan | Small-Cap Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	379,000	293,000
Medina Savings and Loan Plan | Small-Cap S&P 600 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	380,000	284,000
Medina Savings and Loan Plan | Intern'l Emerging Markets Separate Acct-Z
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	251,000	202,000
Medina Savings and Loan Plan | Liquid Assets Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	16,000	15,000
Medina Savings and Loan Plan | LDI Short Durations Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	308,000	233,000
Medina Savings and Loan Plan | Core Fixed Income Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	615,000	468,000
Medina Savings and Loan Plan | Core Plus Bond Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	1,231,000	938,000
Medina Savings and Loan Plan | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	6,237,000	4,859,000
Medina Savings and Loan Plan | Level 2 | Equity Income Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	500,000	411,000
Medina Savings and Loan Plan | Level 2 | Large Cap S&P 500 Index Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	996,000	789,000
Medina Savings and Loan Plan | Level 2 | Blue Chip Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	494,000	392,000
Medina Savings and Loan Plan | Level 2 | Mid-Cap Value Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	316,000	253,000
Medina Savings and Loan Plan | Level 2 | Mid-Cap S&P 400 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	442,000	348,000
Medina Savings and Loan Plan | Level 2 | Mid-Cap Growth Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	309,000	233,000
Medina Savings and Loan Plan | Level 2 | Small-Cap Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	379,000	293,000
Medina Savings and Loan Plan | Level 2 | Small-Cap S&P 600 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	380,000	284,000
Medina Savings and Loan Plan | Level 2 | Intern'l Emerging Markets Separate Acct-Z
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	251,000	202,000
Medina Savings and Loan Plan | Level 2 | Liquid Assets Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	16,000	15,000
Medina Savings and Loan Plan | Level 2 | LDI Short Durations Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	308,000	233,000
Medina Savings and Loan Plan | Level 2 | Core Fixed Income Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	615,000	468,000
Medina Savings and Loan Plan | Level 2 | Core Plus Bond Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of planned assets	$ 1,231,000	$ 938,000
Medina Savings and Loan Plan | Equity securities | Equity Income Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	80%
Medina Savings and Loan Plan | Equity securities | Mid-Cap Value Separate Account -Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	80%
Medina Savings and Loan Plan | Equity securities | Small-Cap S&P 600 Index Separate Account Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	25%
Medina Savings and Loan Plan | Equity securities | Intern'l Emerging Markets Separate Acct-Z
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	25%
Percentage of revenue from goods or services produced	50%
Medina Savings and Loan Plan | Equity securities | Liquid Assets Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Threshold weighted average portfolio maturity period	60 days
Medina Savings and Loan Plan | Equity securities | Minimum | LDI Short Durations Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	80%
Medina Savings and Loan Plan | Equity securities | Minimum | Core Fixed Income Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of portfolio duration	75%
Medina Savings and Loan Plan | Equity securities | Minimum | Money Market
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	25%
Medina Savings and Loan Plan | Equity securities | Maximum | Core Fixed Income Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of portfolio duration	125%
Medina Savings and Loan Plan | Stocks of blue chip companies | Blue Chip Separate Account-Z [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of investment	80%

Employee Benefit Plans - Defi_6

Employee Benefit Plans - Defined Benefit Plan - Long - Term Rate of Return (Details) - Defined Benefit Plan	12 Months Ended
	Dec. 31, 2022
Equities and fixed income securities
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Long-term inflation rate	3%
Equities and fixed income securities | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected rate of return	6%
Equities and fixed income securities | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected rate of return	10%
Equity securities | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Long-Term Rate of Return	5%
Equity securities | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Long-Term Rate of Return	9%
Debt securities | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Long-Term Rate of Return	2%
Debt securities | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Long-Term Rate of Return	6%

Employee Benefit Plans - Employ

Employee Benefit Plans - Employee Stock Ownership Plan (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares	Jan. 13, 2021	Jan. 12, 2021 shares	Jul. 10, 2006 shares	Jul. 06, 2006 shares
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
ESOP expense | $	$ 51,000	$ 48,000
Exchange ratio of shares			0.9980
Employee Stock Ownership Plan
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Total shares	112,554
Released shares	99,036	94,534
Unreleased shares	103,550
ESOP expense | $	$ 51,000
Unearned shares | $	103,550
Unearned shares value | $	1,100,000
Fair value of shares | $	$ 1,100,000	$ 1,100,000
Fair value per share | $ / shares	$ 10.80	$ 11.91
Exchange ratio of shares		0.9981
Employee Stock Ownership Plan | Wall Street Journal prime lending rate
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Interest rate	3.25%
Employee Stock Ownership Plan 2006
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Total shares						93,315
Released shares		90,032			90,032
Unreleased shares		3,104			3,104
Employee Stock Ownership Plan 2021
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Total shares				109,450
Released shares	4,502	9,004

Employee Benefit Plans - Direct

Employee Benefit Plans - Directors Retirement Plan (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Defined Contribution Plan Disclosure [Line Items]
Stock held in rabbi trust	$ 698,000	$ 654,000
Cost of securities	13,000	$ 350,000
Directors' Retirement Plan
Defined Contribution Plan Disclosure [Line Items]
Stock held in rabbi trust	270,000
Fair value of the stock held in trust	390,000
Unrealized loss on securities	77,000
Expense attributable to contributions made	23,000
Cost of securities	363,000
Supplemental Executive Retirement Plan
Defined Contribution Plan Disclosure [Line Items]
Fair value of the stock held in trust	354,000
Unrealized loss on securities	36,000
Expense attributable to contributions made	31,000
Cost of securities	$ 335,000

Employee Benefit Plans - Supple

Employee Benefit Plans - Supplemental Executive Retirement Plan (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Defined Contribution Plan Disclosure [Line Items]
Cost of securities	$ 13,000	$ 350,000
Supplemental Executive Retirement Plan
Defined Contribution Plan Disclosure [Line Items]
Fair value of the stock held in trust	354,000
Unrealized loss on securities	36,000
Expense attributable to contributions made	31,000
Cost of securities	$ 335,000

Stock-Based Compensation - Stoc

Stock-Based Compensation - Stock option activity (Details)	12 Months Ended
	Dec. 31, 2022 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Grants | shares	132,977
Outstanding at year end | shares	132,977
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Grants | $ / shares	$ 11.61
Outstanding at year end | $ / shares	$ 11.61

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional information (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Grants | shares	132,977
Vesting period	5 years
Stock based compensation expense | $	$ 54,000
Restricted shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares granted to directors | shares	53,191
Stock based compensation expense | $	$ 74,000

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 10, 2020
Actual amount
Common Equity Tier 1 Capital,	$ 41,127	$ 41,287
Total Capital (to Risk-Weighted Assets)	43,624	43,128
Tier 1 Capital* (to Risk-Weighted Assets)	41,127	41,287
Core Capital (to Total Adjusted Assets)	$ 41,127	$ 41,287
Actual Ratio
Common Equity Tier 1 Capital	0.1387	0.1482
Total Capital (to Risk-Weighted Assets)	0.1471	0.1548
Tier 1 Capital* (to Risk-Weighted Assets)	0.1387	0.1482
Core Capital (to Total Adjusted Assets)	0.1098	0.1099
Excess capital to risk weighted assets	0.10	0.10
Minimum For Capital Adequacy Purposes, Amount
Common Equity Tier 1 Capital,	$ 13,347	$ 12,534
Total Capital (to Risk-Weighted Assets)	23,727	22,282
Tier 1 Capital* (to Risk-Weighted Assets)	17,795	16,712
Core Capital (to Total Adjusted Assets)	$ 14,989	$ 15,034
Minimum For Capital Adequacy Purposes, Ratio
Common Equity Tier 1 Capital,	0.0450	0.0450
Total Capital (to Risk-Weighted Assets)	0.0800	0.0800
Tier 1 Capital* (to Risk-Weighted Assets)	0.0600	0.0600
Core Capital (to Total Adjusted Assets)	0.0400	0.0400
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Amount
Common Equity Tier 1 Capital,	$ 19,278	$ 18,104
Total Capital (to Risk-Weighted Assets)	29,659	27,853
Tier 1 Capital* (to Risk-Weighted Assets)	23,727	22,282
Core Capital (to Total Adjusted Assets)	$ 18,736	$ 18,792
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Ratio
Common Equity Tier 1 Capital,	0.0650	0.0650
Total Capital (to Risk-Weighted Assets)	0.1000	0.1000
Tier 1 Capital* (to Risk-Weighted Assets)	0.0800	0.0800
Core Capital (to Total Adjusted Assets)	0.0500	0.0500
Required leverage ratio			0.080
Required total capital ratio			0.120

Dividends and Restrictions - (D

Dividends and Restrictions - (Details)	Dec. 31, 2022 USD ($)
Dividends and Restrictions
Amount of retained earnings legally available for payment of dividend	$ 3,028,000

Commitments and Contingencies -

Commitments and Contingencies - Credit Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies
Loan commitments with fixed interest rate	$ 9,600	$ 3,800
Loan commitments with variable interest rate	11,600	15,300
Commitments to grant loans
Commitments and Contingencies
Credit risk for financial instruments	6,400	3,524
Unfunded commitments under lines of credit
Commitments and Contingencies
Credit risk for financial instruments	$ 14,789	$ 15,568

Commitments and Contingencies_2

Commitments and Contingencies - Commitments to Originate (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies
Outstanding principal balance	$ 303,880,000	$ 278,120,000
MPF Program
Commitments and Contingencies
Outstanding principal balance	8,600,000
Recourse back to bank for loans sold	707,000
First loss account allocated to bank	92,000
MPF Program, Inclusive of USDA Loans
Commitments and Contingencies
Outstanding principal balance	$ 68,600,000

Commitments and Contingencies_3

Commitments and Contingencies - Lease Commitments (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies
Operating lease expense	$ 0	$ 19,000
Future minimum lease commitments
Future minimum lease commitments	$ 0

Concentrations of Credit Risk (

Concentrations of Credit Risk (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Concentrations of Credit Risk
Cash not subject to FDIC limits	$ 2,818,000	$ 15,228,000

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related Party Transactions
Beginning balance	$ 2,490	$ 2,527
Originations		173
Payments and change in status	(445)	(210)
Ending balance	2,045	2,490
Deposits owned by related parties
Related Party Transactions
Deposits owned by related parties	$ 3,600	$ 2,200

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Revenue from Contracts with Customers
Revenues	$ 2,026	$ 2,291
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenues	628	563
Debit card interchange and surcharge income
Revenue from Contracts with Customers
Revenues	758	855
Insurance commissions
Revenue from Contracts with Customers
Revenues	451	722
Loan servicing fees
Revenue from Contracts with Customers
Revenues	$ 189	$ 151

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss - Components (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Loss [Line Items]
Retirement plan net losses recognized in net periodic pension cost	$ 4,891	$ 5,299
Tax effect	$ 216	283
Amounts Reclassified From AOCI | Available-for-sale securities:
Accumulated Other Comprehensive Loss [Line Items]
Realized gain on sale of securities		(10)
Tax effect		2
Net income		(8)
Amounts Reclassified From AOCI | Defined benefit pension plan:
Accumulated Other Comprehensive Loss [Line Items]
Retirement plan net losses recognized in net periodic pension cost		114
Tax effect		(23)
Net income		$ 91

Fair Value Disclosures - Carryi

Fair Value Disclosures - Carrying amount and estimated fair value (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial assets:
Securities available-for-sale, at fair value	$ 33,050	$ 36,975
Securities held-to-maturity	1,301	1,721
Carrying Value
Financial assets:
Cash and cash equivalents	8,004	20,997
Securities available-for-sale, at fair value	33,050	36,975
Securities held-to-maturity	1,587	1,778
Equity securities	307	350
Loans receivable	303,880	278,120
FHLB stock	1,740	1,450
Accrued interest receivable	1,304	1,249
Financial liabilities:
Deposits	317,678	312,049
Short-term borrowings	16,200
Long-term borrowings	10,334	17,760
Accrued interest payable	162	35
Fair Value
Financial assets:
Cash and cash equivalents	8,004	20,997
Securities available-for-sale, at fair value	33,050	36,975
Securities held-to-maturity	1,301	1,721
Equity securities	307	350
Loans receivable	294,897	281,502
FHLB stock	1,740	1,450
Accrued interest receivable	1,304	1,249
Financial liabilities:
Deposits	304,343	313,970
Short-term borrowings	16,311
Long-term borrowings	15,081	21,985
Accrued interest payable	162	35
Level 1 | Fair Value
Financial assets:
Cash and cash equivalents	8,004	20,997
Equity securities	307	350
Accrued interest receivable	1,304	1,249
Financial liabilities:
Deposits	92,745	94,709
Accrued interest payable	162	35
Level 2 | Fair Value
Financial assets:
Securities available-for-sale, at fair value	31,335	33,965
Securities held-to-maturity	1,301	1,721
FHLB stock	1,740	1,450
Financial liabilities:
Short-term borrowings	16,311
Long-term borrowings	15,081	21,985
Level 3 | Fair Value
Financial assets:
Securities available-for-sale, at fair value	1,715	3,010
Loans receivable	294,897	281,502
Financial liabilities:
Deposits	$ 211,598	$ 219,261

Fair Value Disclosures - Fair v

Fair Value Disclosures - Fair value on a recurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities available-for-sale:
Debt investment securities	$ 33,050	$ 36,975
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	24	33
Corporate bonds
Securities available-for-sale:
Debt investment securities	18,194	18,043
Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	33,357	37,325
Recurring | Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	24	33
Recurring | Corporate bonds
Securities available-for-sale:
Debt investment securities	18,194	18,043
Recurring | Municipal bonds
Securities available-for-sale:
Debt investment securities	14,832	18,899
Recurring | Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	37	45
Recurring | Other mutual funds
Equity securities:
Equity investment securities, at fair value	270	305
Level 1 | Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	307	350
Level 1 | Recurring | Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	37	45
Level 1 | Recurring | Other mutual funds
Equity securities:
Equity investment securities, at fair value	270	305
Level 2 | Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	31,335	33,965
Level 2 | Recurring | Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	24	33
Level 2 | Recurring | Corporate bonds
Securities available-for-sale:
Debt investment securities	18,194	18,043
Level 2 | Recurring | Municipal bonds
Securities available-for-sale:
Debt investment securities	13,117	15,889
Level 3 | Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	1,715	3,010
Level 3 | Recurring | Municipal bonds
Securities available-for-sale:
Debt investment securities	$ 1,715	$ 3,010

Fair Value Disclosures - Change

Fair Value Disclosures - Changes in Level 3 assets measured at estimated fair value on a recurring basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Changes in Level 3 assets measured at estimated fair value on a recurring basis
Beginning balance	$ 3,010	$ 3,174
Included in other comprehensive income	$ (174)	$ 161
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment and Tax	OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment and Tax
Purchases	$ 85	$ 826
Principal payments/maturities	(1,206)	(1,151)
Ending balance	$ 1,715	$ 3,010

Fair Value Disclosures - Summar

Fair Value Disclosures - Summarize assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	$ 4,159	$ 3,187
Foreclosed real estate & repossessed assets	12	27
Non - recurring
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans		391
Foreclosed real estate & repossessed assets	12	27
Non - recurring | Level 3
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans		391
Foreclosed real estate & repossessed assets	$ 12	$ 27

Fair Value Disclosures - Transf

Fair Value Disclosures - Transfers of assets in or out of any fair value measurement level (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value Disclosures
Transfers of assets, Level 1 to level 2	$ 0	$ 0
Transfers of assets, Level 2 to level 1	0	0
Transfers of assets in or out of level 3	$ 0	$ 0

Fair Value Disclosures - Quanti

Fair Value Disclosures - Quantitative information about Level 3 fair value measurements for assets - Recurring basis (Details) - Recurring - Weighted Average - Costs to Sell	Dec. 31, 2022	Dec. 31, 2021
Principal and interest payments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other investments	0	0
Carrying value.
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other investments	1	1

Fair Value Disclosures - Quan_2

Fair Value Disclosures - Quantitative information about Level 3 fair value measurements for assets - Non recurring basis (Details) - Non - recurring - Appraisal of collateral	Dec. 31, 2022	Dec. 31, 2021
Maximum | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.35	0.35
Maximum | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.15	0.15
Maximum | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.20	0.20
Maximum | Residential | 1-4 family residential | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Maximum | Residential | 1-4 family residential | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Maximum | Commercial and industrial | Other loans | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Maximum | Commercial and industrial | Other loans | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Maximum | Commercial and industrial | Other loans | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.20	0.20
Minimum | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Minimum | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Minimum | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.10	0.10
Minimum | Residential | 1-4 family residential | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum | Residential | 1-4 family residential | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum | Commercial and industrial | Other loans | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum | Commercial and industrial | Other loans | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum | Commercial and industrial | Other loans | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.10	0.10
Weighted Average | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.25)	(0.25)
Weighted Average | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.10)	(0.10)
Weighted Average | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.15)	(0.15)
Weighted Average | Residential | 1-4 family residential | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.20)	(0.20)
Weighted Average | Residential | 1-4 family residential | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.10)	(0.10)
Weighted Average | Commercial and industrial | Other loans | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.25)	(0.25)
Weighted Average | Commercial and industrial | Other loans | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.10)	(0.10)
Weighted Average | Commercial and industrial | Other loans | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.15)	(0.15)

Parent Company Only Financial_3

Parent Company Only Financial Information - Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and cash equivalents	$ 8,004	$ 20,997
Securities available-for-sale, at fair value	33,050	36,975
Equity investment securities, at fair value	307	350
Other assets	1,988	2,086
Total assets	386,293	378,949
Liabilities and Shareholders' Equity
Other liabilities	2,100	3,218
Shareholders' equity	37,328	43,479	$ 29,886
Total liabilities and shareholders' equity	386,293	378,949
Generations Bancorp NY, Inc.
Assets
Cash and cash equivalents	529	2,066
Securities available-for-sale, at fair value	981	316
Equity investment securities, at fair value	279
Investment in bank subsidiary	36,257	41,897
Other assets	61	42
Total assets	38,107	44,321
Liabilities and Shareholders' Equity
Deferred tax liability	72	72
Other liabilities	707	769
Shareholders' equity	37,328	43,480
Total liabilities and shareholders' equity	$ 38,107	$ 44,321

Parent Company Only Financial_4

Parent Company Only Financial Information - Statements of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income
Change in fair value on equity securities	$ (45)	$ 27
Expenses
Interest expense	1,934	1,684
Income (Loss) before taxes and equity in undistributed net income of bank subsidiary	1,303	1,696
Income tax expense	216	283
Income (Loss) before equity in undistributed net income of bank subsidiary	1,087	1,413
Net income	1,087	1,413
Generations Bancorp NY, Inc.
Income
Dividends from securities available-for-sale	47	23
Interest income	16
Change in fair value on equity securities	(37)	20
Total income	26	43
Expenses
Interest expense		9
Change in the fair value of the Directors Retirement Plan	(51)	127
Total expenses	(51)	136
Income (Loss) before taxes and equity in undistributed net income of bank subsidiary	77	(93)
Income tax expense	14	(16)
Income (Loss) before equity in undistributed net income of bank subsidiary	63	(77)
Equity in undistributed net income of bank subsidiary	1,024	1,490
Net income	$ 1,087	$ 1,413

Parent Company Only Financial_5

Parent Company Only Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Operating Activities
Net income	$ 1,087	$ 1,413
Change in fair value on equity securities	45	(27)
Net amortization of premiums and discounts on investment securities	(159)	(324)
ESOP expense	51	48
Stock-based compensation	128
Net cash provided by operating activities	2,947	3,402
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(3,685)	(27,122)
Net cash used in investing activities	(28,427)	(12,655)
FINANCING ACTIVITIES
Net proceeds from stock offering and conversion		13,151
Purchase of common stock of SERP	(31)	(14)
Purchase of common stock for Directors Retirement Plan	(13)	(13)
Net cash provided by financing activities	12,487	3,420
Net change in cash and cash equivalents	(12,993)	(5,833)
Cash and cash equivalents at beginning of period	20,997	26,830
Cash and cash equivalents at end of period	8,004	20,997
Generations Bancorp NY, Inc.
Operating Activities
Net income	1,087	1,413
Equity in undistributed net income of bank subsidiary	(1,024)	(1,490)
Change in fair value on equity securities	37	(20)
Net amortization of premiums and discounts on investment securities	1
ESOP expense	51	48
Stock-based compensation	128
Net change in other assets	(20)	888
Net change in other liabilities	(39)	(70)
Net cash provided by operating activities	219	769
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(1,090)
Capital Infusion in Subsidiary		(7,750)
Net cash used in investing activities	(1,090)	(7,750)
FINANCING ACTIVITIES
Net proceeds from stock offering and conversion		13,151
Net proceeds from (repayment of) advances on note payable		(1,851)
Repayments received on sub-debt		(1,235)
Purchase of common stock for ESOP		(1,104)
Effect of stock repurchase plan	(1,872)
Cash dividend from bank subsidiary	1,250
Purchase of common stock of SERP	(31)	(14)
Purchase of common stock for Directors Retirement Plan	(13)	(13)
Net cash provided by financing activities	(666)	8,934
Net change in cash and cash equivalents	(1,537)	1,953
Cash and cash equivalents at beginning of period	2,066	113
Cash and cash equivalents at end of period	$ 529	$ 2,066

Segment Information - Operation

Segment Information - Operations (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) segment	Dec. 31, 2021 USD ($) segment
Segment Reporting Information [Line Items]
Number of Reportable Segments | segment	3	3
Net interest income	$ 11,370	$ 11,919
Provision for loan losses	631	540
Net interest income after provision for loan losses	10,739	11,379
Total noninterest income	2,117	2,726
Compensation and benefits	4,891	5,299
Other noninterest expense	(1,178)	(1,313)
Income before income tax expense (benefit)	1,303	1,696
Income tax expense	216	283
Net income	1,087	1,413
Operating segment
Segment Reporting Information [Line Items]
Net interest income	11,370	11,919
Provision for loan losses	631	540
Net interest income after provision for loan losses	10,739	11,379
Total noninterest income	2,117	2,727
Compensation and benefits	(4,891)	(5,299)
Other noninterest expense	(6,662)	(7,111)
Income before income tax expense (benefit)	1,303	1,696
Income tax expense	216	283
Net income	1,087	1,413
Operating segment | Community Banking Activities
Segment Reporting Information [Line Items]
Net interest income	11,103	11,669
Provision for loan losses	631	540
Net interest income after provision for loan losses	10,472	11,129
Total noninterest income	1,675	1,998
Compensation and benefits	(4,786)	(4,923)
Other noninterest expense	(6,543)	(6,876)
Income before income tax expense (benefit)	818	1,328
Income tax expense	183	254
Net income	635	1,074
Operating segment | Insurance Activities
Segment Reporting Information [Line Items]
Total noninterest income	442	729
Compensation and benefits	(105)	(376)
Other noninterest expense	(39)	(149)
Income before income tax expense (benefit)	298	204
Net income	298	204
Operating segment | Municipal Banking Activities
Segment Reporting Information [Line Items]
Net interest income	267	250
Net interest income after provision for loan losses	267	250
Other noninterest expense	(80)	(86)
Income before income tax expense (benefit)	187	164
Income tax expense	33	29
Net income	$ 154	$ 135

Segment Information - Assets (D

Segment Information - Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Consolidated total assets	$ 386,293	$ 378,949
Operating segment
Segment Reporting Information [Line Items]
Consolidated total assets	402,776	395,225
Elimination of intercompany balances
Segment Reporting Information [Line Items]
Consolidated total assets	$ (16,483)	$ (16,276)