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Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($)
Jun. 30, 2025
Jun. 30, 2024
Deferred Tax Assets [Abstract]    
Loss reserves $ 2,163,000 $ 2,387,000
Non-accrued interest 146,000 175,000
Deferred compensation 1,520,000 2,388,000
Accrued vacation 197,000 187,000
Depreciation 239,000 174,000
State tax 179,000 203,000
Unrealized loss on investment securities 0 4,000
Lease liability 536,000 448,000
Other 258,000 208,000
Total deferred tax assets 5,238,000 6,174,000
Deferred Tax Liabilities [Abstract]    
FHLB - San Francisco stock dividends (645,000) (645,000)
Prepaid expenses (66,000) (39,000)
Unrealized gain on investment securities (6,000) 0
Unrealized gain on interest-only strips (2,000) (3,000)
Unrealized gain on other equity investments (232,000) 0
Right-of-use asset (526,000) (432,000)
Deferred loan costs, net (4,593,000) (4,449,000)
Total deferred tax liabilities (6,070,000) (5,568,000)
Net deferred tax liabilities $ (832,000)  
Net deferred tax assets   $ 606,000