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Deposits | 12 Months Ended
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Jun. 30, 2024
Deposits. |
Deposits | Note 6: Deposits ​ Deposits at June 30, 2024 and 2023 consisted of the following: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2024 | ​ | June 30, 2023 |
(Dollars in Thousands) |  | Interest Rate |  | Amount |  | Interest Rate |  | Amount |
Checking deposits – noninterest-bearing |  | — | ​ | $ | 95,627 |  | — | ​ | $ | 103,006 | ​
Checking deposits – interest-bearing(1) |  | 0.00% - 0.20% | ​ |  | 254,624 |  | 0.00% - 0.20% | ​ |  | 302,872 | ​
Savings deposits(1) |  | 0.00% - 4.64% | ​ |  | 238,878 |  | 0.00% - 0.70% | ​ |  | 290,204 | ​
Money market deposits(1) |  | 0.00% - 4.64% | ​ |  | 25,324 |  | 0.00% - 2.00% | ​ |  | 33,551 | ​
Time deposits: |  |  | ​ |  |  |  |  | ​ |  |  | ​
$250 and under(1)(2) |  | 0.00% - 5.35% | ​ |  | 226,110 |  | 0.00% - 5.25% | ​ |  | 192,147 | ​
Over $250 |  | 0.10% - 5.12% | ​ |  | 47,785 |  | 0.10% - 5.35% | ​ |  | 28,791 | ​
Total deposits(3) | ​ | ​ | ​ | $ | 888,348 |  | ​ | ​ | $ | 950,571 | ​
Weighted average interest rate on deposits |  | ​ | ​ |  | 1.29 | % | ​ | ​ |  | 0.73 | %
​
(1) | Certain interest-bearing checking, savings, money market and time deposits require a minimum balance to earn interest.
(2) | Includes brokered certificates of deposit of $131.8 million and $106.4 million at June 30, 2024 and 2023, respectively.
(3) | Includes uninsured deposits of approximately $122.7 million and $140.1 million at June 30, 2024 and 2023, respectively.
​ The aggregate annual maturities of time deposits at June 30, 2024 and 2023 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30,
(In Thousands) |  | 2024 |  | 2023
One year or less | ​ | $ | 245,713 | ​ | $ | 166,501
Over one to two years | ​ |  | 19,604 | ​ |  | 37,062
Over two to three years | ​ |  | 3,779 | ​ |  | 9,922
Over three to four years | ​ |  | 1,896 | ​ |  | 3,069
Over four to five years | ​ |  | 1,649 | ​ |  | 2,578
Over five years | ​ |  | 1,254 | ​ |  | 1,806
Total time deposits | ​ | $ | 273,895 | ​ | $ | 220,938
​ Interest expense on deposits for the years indicated is summarized as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended June 30,
(In Thousands) |  | 2024 |  | 2023
Checking deposits – interest-bearing | ​ | $ | 118 | ​ | $ | 140
Savings deposits | ​ |  | 313 | ​ |  | 168
Money market deposits | ​ |  | 172 | ​ |  | 87
Time deposits | ​ |  | 9,063 | ​ |  | 2,751
Total interest expense on deposits | ​ | $ | 9,666 | ​ | $ | 3,146
​ At June 30, 2024, the Bank had related party deposits of approximately $6.3 million, compared to $8.1 million at June 30, 2023. At June 30, 2024 and 2023, deposits with negative balances (i.e. overdrafts) that were reclassified to loans held for investment totaled $24,000 and $15,000, respectively. The Bank is required to maintain reserve balances with the Federal Reserve Bank of San Francisco. Effective March 26, 2020, the FRB lowered the reserve ratios on transaction accounts maintained at a depository institution to zero percent so there was no required reserve balance at June 30, 2024 and 2023.

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- Definition The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 1 -SubTopic 405 -Topic 942 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478353/942-405-50-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(12)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph e -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Publisher SEC + Details
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