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Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Operating Activities    
Net income $ 1,392 $ 633
Items not requiring (providing) cash    
Depreciation 159 154
Provision (credit) for credit losses on loans (42) 377
Accretion of premiums and discounts on securities (66) (30)
Deferred income taxes 36 (37)
Net realized gains on loan sales (116) (97)
Net realized losses on sales of available-for-sale securities 114 71
Loss on sale of foreclosed assets, net 97 0
Nontaxable bank-owned life insurance income, net (118) (113)
Originations of loans held for sale (5,702) (4,629)
Proceeds from sales of loans held for sale 5,463 4,851
ESOP compensation expense 121 85
Stock equity plan expense 46 49
Changes in    
Accrued interest receivable (148) (366)
Other assets (44) 1,149
Accrued interest payable (49) (253)
Post-retirement benefit obligation 4 0
Other liabilities (1,686) 322
Net cash provided by (used in) operating activities (539) 2,166
Investing Activities    
Purchases of available-for-sale securities (5,312) (4,353)
Proceeds from the sales of available-for-sale securities 2,016 4,665
Proceeds from maturities and pay-downs of available-for-sale securities 3,688 4,120
Net change in loans 14,717 (8,144)
Purchase of premises and equipment (43) (72)
Proceeds from the sale of foreclosed assets 28 0
Purchase of Federal Home Loan Bank stock 0 (427)
Redemption of Federal Home Loan Bank stock 330 168
Net cash provided by (used in) investing activities 15,424 (4,043)
Financing Activities    
Net decrease in demand deposits, money market, NOW and savings accounts (46,386) (44,388)
Net increase (decrease) in certificates of deposit, including brokered certificates 5,392 (5,630)
Net decrease in advances from borrowers for taxes and insurance (291) (458)
Proceeds from Federal Home Loan Bank advances 68,500 216,000
Repayments of Federal Home Loan Bank advances (53,500) (165,500)
Proceeds from other borrowings 1,750 23,100
Repayments of other borrowings (1,750) (23,175)
Net increase (decrease) in repurchase agreements (665) 141
Net cash provided by (used in) financing activities (26,950) 90
Net Decrease in Cash and Cash Equivalents (12,065) (1,787)
Cash and Cash Equivalents, Beginning of Period 20,092 9,571
Cash and Cash Equivalents, End of Period 8,027 7,784
Supplemental Cash Flows Information    
Interest paid 4,958 6,345
Income taxes paid (net of refunds) 230 0
Dividends payable $ 670 $ 670