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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 6 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Statement of Cash Flows [Abstract]    
Net income (loss) $ (536,000) $ 747,000
Adjustments to reconcile net income to net cash provided by operating activities    
Depreciation 119,000 132,000
Accretion of purchased loan credit discount (11,000) (23,000)
Amortization of deferred loan origination costs (fees) 1,000 (3,000)
Amortization of premiums on investment securities (11,000) (11,000)
Net gain on sale of loans (6,000) (6,000)
Net (gain) loss on sale of real estate owned (4,000)
Net (gain) loss on sale of property & equipment (10,000)
ESOP compensation expense 5,000
Earnings on bank-owned life insurance (42,000) (41,000)
Provision for loan losses 15,000 113,000
Origination of loans held for sale (782,000) (157,000)
Proceeds from loans held for sale 518,000 315,000
Deferred Income Taxes (192,000)
Accrued interest receivable (176,000) (191,000)
Prepaid expenses and other assets (195,000) (51,000)
Accrued interest payable 97,000 3,000
Other liabilities 113,000 (47,000)
Income taxes 28,000
Net cash used in operating activities (1,092,000) 803,000
Purchase of investments available for sale (4,974,000)
Maturities of time deposits in other financial institutions
Securities maturities, prepayments and calls:    
Held to maturity 37,000 33,000
Available for sale 1,301,000 1,468,000
Proceeds from sale of FHLB stock 532,000 1,549,000
Purchase of FHLB stock (152,000) (44,000)
Loans originated for investment, net of principal collected (12,338,000) (24,468,000)
Proceeds from sale of property and equipment held for sale 180,000
Proceeds from sale of real estate owned 64,000
Additions to premises and equipment, net (45,000) (116,000)
Net cash provided by (used in) investing activities (10,601,000) (26,372,000)
Net increase (decrease) in deposits 18,320,000 (30,474,000)
Payments by borrowers for taxes and insurance, net (459,000) (495,000)
Proceeds from Federal Home Loan Bank advances 48,800,000 94,800,000
Repayments on Federal Home Loan Bank advances (47,879,000) (55,638,000)
Treasury stock purchased (108,000)
Dividends paid on common stock (671,000) (685,000)
Net cash provided by financing activities 18,111,000 7,400,000
Net increase (decrease) in cash and cash equivalents 6,418,000 (18,169,000)
Beginning cash and cash equivalents 8,167,000 25,823,000
Ending cash and cash equivalents 14,584,000 7,654,000
Cash paid during the period for:    
Income taxes 125,000 200,000
Interest on deposits and borrowings $ 4,236,000 $ 1,133,000