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Condensed Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2024
Jun. 30, 2024
Assets    
Cash and due from banks $ 5,683 $ 9,276
Interest-bearing demand deposits 223 295
Cash and cash equivalents 5,906 9,571
Interest-bearing time deposits in banks 250 250
Available-for-sale securities 182,890 190,475
Loans, net of allowance for credit losses of $7,346 and $7,499 at December 31, 2024 and June 30, 2024, respectively 647,664 639,297
Premises and equipment, net of accumulated depreciation of $9,506 and $9,196 at December 31, 2024 and June 30, 2024, respectively 10,413 10,580
Federal Home Loan Bank stock, at cost 5,670 4,499
Accrued interest receivable 3,979 3,457
Bank-owned life insurance 15,119 14,892
Mortgage servicing rights 1,478 1,491
Deferred income taxes 10,240 10,483
Other 1,540 2,750
Total assets $ 885,149 $ 887,745
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Accrued interest receivable Accrued interest receivable
Deposits    
Demand $ 37,812 $ 103,314
Savings, NOW and money market 319,559 304,230
Certificates of deposit 294,968 290,633
Brokered certificates of deposit 29,787 29,000
Total deposits 682,126 727,177
Repurchase agreements 18,439 17,772
Federal Home Loan Bank advances 98,999 32,999
Other borrowings 0 25,250
Advances from borrowers for taxes and insurance 785 968
Accrued post-retirement benefit obligation 2,259 2,256
Accrued interest payable 2,201 3,009
Allowance for credit losses on off-balance sheet credit exposures 64 98
Other 4,337 4,300
Total liabilities 809,210 813,829
Commitments and Contingencies
Stockholders' Equity    
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,351,526 and 3,353,026 shares issued and outstanding at December 31, 2024 and June 30, 2024, respectively 33 33
Additional paid-in capital 52,101 51,913
Unearned ESOP shares, at cost, 125,093 and 134,715 shares at December 31, 2024 and June 30, 2024, respectively (1,251) (1,347)
Retained earnings 45,085 43,876
Accumulated other comprehensive loss, net of tax (20,029) (20,559)
Total stockholders' equity 75,939 73,916
Total liabilities and stockholders' equity $ 885,149 $ 887,745