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Investment Securities (Tables)

9 Months Ended

Mar. 31, 2025

Investment Securities

Schedule of available-for-sale securities reconciliation


					Gross			Gross			Estimated
		Amortized			Unrealized			Unrealized			Fair			Carrying
March 31, 2025		Cost			Gains			(Losses)			Value			Value
(In Thousands)
Held to maturity
U.S. government sponsored enterprise MBS⁽¹⁾		$	109,718		$	130		$	(11,548)		$	98,300		$	109,718
U.S. government sponsored enterprise CMO⁽²⁾			3,571			—			(138)			3,433			3,571
U.S. SBA securities⁽³⁾			328			—			(2)			326			328
Total investment securities - held to maturity			113,617			130			(11,688)			102,059			113,617

Available for sale
U.S. government agency MBS⁽¹⁾			1,112			8			(1)			1,119			1,119
U.S. government sponsored enterprise MBS⁽¹⁾			472			10			—			482			482
Private issue CMO⁽²⁾			80			—			—			80			80
Total investment securities - available for sale			1,664			18			(1)			1,681			1,681
Total investment securities		$	115,281		$	148		$	(11,689)		$	103,740		$	115,298

(1)Mortgage-Backed Securities (“MBS”).

(2)Collateralized Mortgage Obligations (“CMO”).

(3)Small Business Administration (“SBA”).


					Gross			Gross			Estimated
		Amortized			Unrealized			Unrealized			Fair			Carrying
June 30, 2024		Cost			Gains			(Losses)			Value			Value
(In Thousands)
Held to maturity
U.S. government sponsored enterprise MBS		$	125,883		$	76		$	(15,481)		$	110,478		$	125,883
U.S. government sponsored enterprise CMO			3,713			—			(253)			3,460			3,713
U.S. SBA securities			455			—			—			455			455
Total investment securities - held to maturity			130,051			76			(15,734)			114,393			130,051

Available for sale
U.S. government agency MBS			1,222			—			(14)			1,208			1,208
U.S. government sponsored enterprise MBS			548			5			—			553			553
Private issue CMO			91			—			(3)			88			88
Total investment securities - available for sale			1,861			5			(17)			1,849			1,849
Total investment securities		$	131,912		$	81		$	(15,751)		$	116,242		$	131,900

Schedule of investments with unrealized loss position


As of March 31, 2025		Unrealized Holding Losses						Unrealized Holding Losses						Unrealized Holding Losses
(In Thousands)		Less Than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
Description of Securities		Value			Losses			Value			Losses			Value			Losses
Held to maturity
U.S. government sponsored enterprise MBS		$	—		$	—		$	93,864		$	11,548		$	93,864		$	11,548
U.S. government sponsored enterprise CMO			—			—			3,434			138			3,434			138
U.S. SBA securities			325			2			—			—			325			2
Total investment securities - held to maturity			325			2			97,298			11,686			97,623			11,688

Available for sale
U.S government agency MBS			38			—			175			1			213			1
Private issue CMO			—			—			17			—			17			—
Total investment securities - available for sale			38			—			192			1			230			1
Total investment securities		$	363		$	2			97,490		$	11,687		$	97,853		$	11,689


As of June 30, 2024		Unrealized Holding Losses						Unrealized Holding Losses						Unrealized Holding Losses
(In Thousands)		Less Than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
Description of Securities		Value			Losses			Value			Losses			Value			Losses
Held to maturity
U.S. government sponsored enterprise MBS		$	—		$	—		$	105,530		$	15,481		$	105,530		$	15,481
U.S. government sponsored enterprise CMO			—			—			3,460			253			3,460			253
U.S. SBA securities			455			—			—			—			455			—
Total investment securities - held to maturity			455			—			108,990			15,734			109,445			15,734

Available for sale
U.S government agency MBS			91			—			1,117			14			1,208			14
U.S. government sponsored enterprise MBS			—			—			8			—			8			—
Private issue CMO			—			—			88			3			88			3
Total investment securities - available for sale			91			—			1,213			17			1,304			17
Total investment securities		$	546		$	—		$	110,203		$	15,751		$	110,749		$	15,751

Schedule of investments classified by contractual maturity


		March 31, 2025						June 30, 2024
					Estimated						Estimated
		Amortized			Fair			Amortized			Fair
(In Thousands)		Cost			Value			Cost			Value
Held to maturity
Due in one year or less		$	183		$	182		$	349		$	343
Due after one through five years			2,850			2,787			4,328			4,167
Due after five through ten years			41,149			38,375			49,331			44,830
Due after ten years			69,435			60,715			76,043			65,053
Total investment securities - held to maturity			113,617			102,059			130,051			114,393

Available for sale
Due in one year or less			—			—			—			—
Due after one through five years			—			—			—			—
Due after five through ten years			1,511			1,527			1,055			1,053
Due after ten years			153			154			806			796
Total investment securities - available for sale			1,664			1,681			1,861			1,849
Total investment securities		$	115,281		$	103,740		$	131,912		$	116,242