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Deposits (Tables)

12 Months Ended

Jun. 30, 2025

Deposits.

Schedule of deposits


		June 30, 2025					June 30, 2024
(Dollars in Thousands)		Interest Rate		Amount			Interest Rate		Amount
Checking deposits – noninterest-bearing		—		$	83,566		—		$	95,627
Checking deposits – interest-bearing⁽¹⁾		0.00% - 0.20%			240,597		0.00% - 0.20%			254,624
Savings deposits⁽¹⁾		0.00% - 4.64%			230,610		0.00% - 4.64%			238,878
Money market deposits⁽¹⁾		0.00% - 2.96%			21,703		0.00% - 4.64%			25,324
Time deposits:
$250 and under⁽¹⁾⁽²⁾		0.00% - 5.15%			221,475		0.00% - 5.35%			226,110
Over $250		0.12% - 4.83%			90,821		0.10% - 5.12%			47,785
Total deposits⁽³⁾				$	888,772				$	888,348
Weighted average interest rate on deposits					1.34	%				1.29	%

(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 $131.0 million and $131.8 million at June 30, 2025 and 2024, respectively.

(3)	Includes uninsured deposits of approximately $158.7 million (of which $53.8 million are collateralized) and $122.7 million (of which $9.0 million are collateralized) at June 30, 2025 and 2024, respectively.

Schedule of aggregate annual maturities of time deposits


		June 30,
(In Thousands)		2025			2024
One year or less		$	278,268		$	245,713
Over one to two years			25,264			19,604
Over two to three years			3,019			3,779
Over three to four years			2,058			1,896
Over four to five years			3,339			1,649
Over five years			348			1,254
Total time deposits		$	312,296		$	273,895

Schedule of interest expense on deposits


		Year Ended June 30,
(In Thousands)		2025			2024
Checking deposits – interest-bearing		$	105		$	118
Savings deposits			500			313
Money market deposits			85			172
Time deposits			10,536			9,063
Total interest expense on deposits		$	11,226		$	9,666