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Borrowings | 3 Months Ended
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Sep. 30, 2025
Borrowings |
Borrowings | Note 8- Borrowings ​ There was $15.0 million in borrowings from the Federal Home Loan Bank of Chicago (FHLB) as of September 30, 2025. The borrowings at September 30, 2025 consisted of three - $5.0 million 5-year term callable putable advances with maturity dates in September 2028, October 2028 and February 2030 which have call dates beginning in December 2025, October 2025 and November 2025, respectively. These putable advances can be called quarterly until maturity at the option of the FHLB. If any advance is terminated requiring repayment prior to stated maturity, the FHLB will offer replacement funding at the then-prevailing rate of interest for an advance product then offered by the FHLB, subject to normal FHLB credit and collateral requirements. There was $15.0 million in borrowings from the Federal Home Loan Bank of Chicago (FHLB) as of June 30, 2025. The borrowings at June 30, 2025 consisted of three - $5.0 million 5-year term callable putable advances with maturity dates in September 2028, October 2028 and February 2030 which have call dates beginning in September, 2025, October, 2025 and August 2025, respectively. These putable advances can be called quarterly until maturity at the option of the FHLB. If any advance is terminated requiring repayment prior to stated maturity, the FHLB will offer replacement funding at the then-prevailing rate of interest for an advance product then offered by the FHLB, subject to normal FHLB credit and collateral requirements. The Company maintains a collateral pledge agreement with the FHLB covering secured advances whereby the Company has agreed to retain, free of all other pledges, liens, and encumbrances, commercial, commercial real estate, and residential loans. The advances reprice daily at market rates. The pledged loans are discounted at a factor of 24% to 38% when aggregating the amount of loans required by the pledge agreement. The amount of eligible collateral was $74,222,799 and $70,573,734 as of September 30, 2025 and June 30, 2025, respectively. Based on eligible collateral, net of outstanding borrowings, the Company had available $58.4 million to borrow from the FHLB as of September 30, 2025. There was FHLB stock of $1,329,413 pledged as of September 30, 2025 and June 30, 2025, respectively. The Company also has $17,034,286 available to borrow from the Federal Reserve Bank which is pledged by multi-family loans and an unsecured Federal Funds purchasing limit of $5.0 million with the Bank’s correspondent bank as of September 30, 2025. There were no borrowings under these arrangements at September 30, 2025. ​ ​

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