At or For the Year Ended June 30,

(In Thousands, Except Per Share Information)

2025

2024

Interest income

$

56,624

$

54,730

Interest expense

21,155

19,807

Net interest income

35,469

34,923

Recovery of credit losses

(666)

(63)

Net interest income, after recovery of credit losses

36,135

34,986

Non-interest income

3,531

3,941

Non-interest expense

30,793

28,540

Income before taxes

8,873

10,387

Provision for income taxes

2,618

3,036

Net income

$

6,255

$

7,351

Diluted earnings per share

$

0.93

$

1.06

Return on average assets

0.50

%

0.57

%

Return on average equity

4.79

%

5.62

%

Net interest margin

2.93

%

2.78

%

Efficiency ratio

78.96

%

73.44

%

Loans held for investment growth

(0.69)

%

(2.29)

%

Deposit growth

0.05

%

(6.55)

%

Loans held for investment as a percentage of total deposits

117.66

%

118.53

%

Core deposits as a percentage of total deposits

64.86

%

69.17

%

Tier 1 leverage capital ratio

10.11

%

10.02

%

Non-performing assets as a percentage of total assets

0.11

%

0.20

%