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CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Cash flows from operating activities:    
Net income $ 6,611 $ 11,417
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,316 1,383
Provision for credit losses 1,870 (280)
Net (accretion) amortization on securities (820) 333
ESOP compensation 229 261
Loss (earnings) on bank-owned life insurance 124 (406)
Proceeds from sale of loans 92 100
Net loss on sale of loans 8  
Net gain on equity securities (349) (228)
Net loss on securities transactions 5,645  
Deferred tax expense 4 765
Increase in accrued interest receivable (484) (2,897)
(Increase) decrease in other assets (1,214) 442
Decrease in other liabilities (1,545) (550)
Changes in operating leases 12 11
Net cash provided by operating activities 11,499 10,351
Cash flows from investing activities:    
Proceeds from maturities, paydowns and calls of securities available for sale 71,780 68,787
Proceeds from sales of securities available for sale 74,462 0
Purchases of securities available for sale (26,597) (101,137)
Proceeds from maturities and paydowns of securities held to maturity 1,958 5,694
Purchases of securities held to maturity (1,801) (6,038)
Net (purchases) redemptions of FHLBNY stock (50) 40
Net increase in loans receivable (119,033) (65,365)
Purchases of premises and equipment (534) (78)
Proceeds from bank-owned life insurance death benefit   1,143
Cash paid for acquisitions (1,980)  
Net cash used in investing activities (1,795) (96,954)
Cash flows from financing activities:    
Net decrease in deposits (19,756) (141,901)
Net decrease in mortgagors' escrow deposits (618) (188)
Payments on acquisition contingent consideration (124)  
Repayment of finance lease liability (50) (50)
Net cash used in financing activities (20,548) (142,139)
Net decrease in cash and cash equivalents (10,844) (228,742)
Cash and cash equivalents at beginning of period 150,478 376,060
Cash and cash equivalents at end of period 139,634 147,318
Cash paid during the period for:    
Interest 9,579 1,349
Income taxes 3,000 2,050
Non-cash investing and financing activity:    
Loans transferred to other real estate owned 51  
Acquisition contingent consideration payable 1,499  
Right of use assets obtained in exchange for new operating lease liabilities $ 199  
Adoption of lease accounting standard:    
Right of use assets   6,535
Lease liabilities   $ 6,883