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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Interest Income    
Loans $ 66,331 $ 62,769
Taxable investment securities 14,384 16,265
Tax-exempt investment securities 71 87
Other interest-earning assets 2,466 2,047
Total Interest Income 83,252 81,168
Interest Expense    
Deposits 35,018 27,567
Borrowings 15,788 14,441
Total Interest Expense 50,806 42,008
Net Interest Income 32,446 39,160
Provision for credit losses 108 245
Net Interest Income after Provision for Credit Losses 32,338 38,915
Non-Interest Income    
Fees and service charges 635 748
Gain on sale of loans 200 215
Income from bank owned life insurance 2,567 1,666
Electronic banking fees and charges 391 367
Other income 833 1,014
Total Non-Interest Income 4,626 4,010
Non-Interest Expense    
Salaries and employee benefits 17,498 17,761
Net occupancy expense of premises 2,798 2,758
Equipment and systems 3,860 3,801
Advertising and marketing 342 228
Federal deposit insurance premium 1,563 1,524
Directors' compensation 361 393
Other expense 3,364 3,309
Total Non-Interest Expense 29,786 29,774
Income before Income Taxes 7,178 13,151
Income tax expense 1,086 3,309
Net Income $ 6,092 $ 9,842
Net Income per Common Share (EPS)    
Basic (in dollars per share) $ 0.10 $ 0.16
Diluted (in dollars per share) $ 0.10 $ 0.16
Weighted Average Number of Common Shares Outstanding    
Basic (in shares) 62,389 63,014
Diluted (in shares) 62,420 63,061