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v3.25.2

Loans (Tables) | 12 Months Ended
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Jun. 30, 2025
Loans [Abstract] |
Schedule of Loan Portfolio | The composition of the loan portfolio at June 30 was as follows:
(in thousands) |  | 2025 |  |  | 2024 |
Residential real estate |  |  |  |  |  |
One- to four-family |  | $ | 251,338 |  |  | $ | 256,216 |
Multi-family |  |  | 15,505 |  |  |  | 15,815 |
Construction |  |  | 9,314 |  |  |  | 13,815 |
Land |  |  | 1,508 |  |  |  | 964 |
Farm |  |  | 3,023 |  |  |  | 1,169 |
Nonresidential real estate |  |  | 31,698 |  |  |  | 34,308 |
Commercial and industrial |  |  | 691 |  |  |  | 700 |
Consumer and other |  |  |  |  |  |  |  |
Loans on deposits |  |  | 813 |  |  |  | 819 |
Home equity |  |  | 14,643 |  |  |  | 10,644 |
Automobile |  |  | 134 |  |  |  | 117 |
Unsecured |  |  | 751 |  |  |  | 585 |
|  |  | 329,418 |  |  |  | 335,152 |
Allowance for credit losses |  |  | (2,170 | ) |  |  | (2,127 | )
|  | $ | 327,248 |  |  | $ | 333,025 |
Schedule of Amortized Cost Basis of Collateral-Dependent Loans by Portfolio Class | The following tables present the amortized cost basis of collateral-dependent loans by portfolio class as of June 30, 2025 and June 30, 2024. The recorded investment in loans excludes accrued interest receivable due to immateriality.
(in thousands) |  | Amortized Cost Basis |  |  | Ending allowance on collateral- dependent loans |
Loans individually evaluated for impairment: |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |
One- to four-family |  | $ | 1,856 |  |  | $ |  |
Nonresidential real estate |  |  | 927 |  |  |  | – |
|  | $ | 2,783 |  |  |  | – |
(in thousands) |  | Amortized Cost Basis |  |  | Ending allowance on collateral- dependent loans |
Loans individually evaluated for impairment: |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |
One- to four-family |  | $ | 2,674 |  |  | $ | – |
Nonresidential real estate |  |  | 1,925 |  |  |  | – |
Commercial and industrial |  |  | – |  |  |  | – |
|  | $ | 4,599 |  |  |  | – |
Schedule of Allowance for Loan Losses and the Recorded Investment in Loans |
(in thousands) |  | Loans individually evaluated |  |  | Loans acquired with deteriorated credit quality* |  |  | Ending loans balance |  |  | Ending allowance attributed to loans |
Loans individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,720 |  |  | $ | 136 |  |  | $ | 1,856 |  |  | $ | - |
Nonresidential real estate |  |  | 927 |  |  |  | - |  |  |  | 927 |  |  |  | - |
|  |  | 2,647 |  |  |  | 136 |  |  |  | 2,783 |  |  |  | - |
Loans collectivelly evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 249,482 |  |  | $ | 1,690 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 15,505 |  |  |  | 86 |
Construction |  |  |  |  |  |  |  |  |  |  | 9,314 |  |  |  | 70 |
Land |  |  |  |  |  |  |  |  |  |  | 1,508 |  |  |  | 24 |
Farm |  |  |  |  |  |  |  |  |  |  | 3,023 |  |  |  | 16 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 30,771 |  |  |  | 230 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  | 691 |  |  |  | 7 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 813 |  |  |  | - |
Home equity |  |  |  |  |  |  |  |  |  |  | 14,643 |  |  |  | 36 |
Automobile |  |  |  |  |  |  |  |  |  |  | 134 |  |  |  | 1 |
Unsecured |  |  |  |  |  |  |  |  |  |  | 751 |  |  |  | 10 |
|  |  |  |  |  |  |  |  |  |  | 326,635 |  |  |  | 2,170 |
|  |  |  |  |  |  |  |  |  | $ | 329,418 |  |  | $ | 2,170 |
(in thousands) |  | Loans individually evaluated |  |  | Loans acquired with deteriorated credit quality* |  |  | Ending loans balance |  |  | Ending allowance attributed to loans |
Loans individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 2,674 |  |  | $ | 175 |  |  | $ | 2,849 |  |  | $ | - |
Nonresidential real estate |  |  | 1,925 |  |  |  | - |  |  |  | 1,925 |  |  |  | - |
|  |  | 4,599 |  |  |  | 175 |  |  |  | 4,744 |  |  |  | - |
Loans collectivelly evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 253,367 |  |  | $ | 1661 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 15,815 |  |  |  | 100 |
Construction |  |  |  |  |  |  |  |  |  |  | 13,815 |  |  |  | 122 |
Land |  |  |  |  |  |  |  |  |  |  | 964 |  |  |  | 28 |
Farm |  |  |  |  |  |  |  |  |  |  | 1,169 |  |  |  | 4 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 32,383 |  |  |  | 192 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  | 700 |  |  |  | 3 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 819 |  |  |  | - |
Home equity |  |  |  |  |  |  |  |  |  |  | 10,644 |  |  |  | 14 |
Automobile |  |  |  |  |  |  |  |  |  |  | 117 |  |  |  | - |
Unsecured |  |  |  |  |  |  |  |  |  |  | 585 |  |  |  | 3 |
|  |  |  |  |  |  |  |  |  |  | 330,378 |  |  |  | 2,127 |
|  |  |  |  |  |  |  |  |  | $ | 335,152 |  |  | $ | 2,127 |
* | These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration since acquisition.
Schedule of Impaired Loans by Class of Loans | The following table presents impaired loans by class of loans as of and for the years ended June 30, 2025 and 2024:
(in thousands) |  | Unpaid Principal Balance and Recorded Investment |  |  | Allowance for Loan Losses Allocated |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |
June 30, 2025: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,856 |  |  | $ | - |  |  | $ | 1,873 |  |  | $ | 91 |  |  | $ | 91 |
Nonresidential real estate |  |  | 927 |  |  |  | - |  |  |  | 1,181 |  |  |  | 38 |  |  |  | 38 |
|  | $ | 2,783 |  |  | $ | - |  |  | $ | 3,054 |  |  | $ | 129 |  |  | $ | 129 |
June 30, 2024: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 2,849 |  |  | $ | - |  |  | $ | 3,146 |  |  | $ | 104 |  |  | $ | 104 |
Nonresidential real estate |  |  | 1,925 |  |  |  | - |  |  |  | 1,893 |  |  |  | 54 |  |  |  | 54 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | - |  |  |  | - |  |  |  | 89 |  |  |  | - |  |  |  | - |
|  | $ | 4,774 |  |  | $ | - |  |  | $ | 5,128 |  |  | $ | 158 |  |  | $ | 158 |
Schedule of Investment in Nonaccrual and Loans Past Due | The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of June 30, 2025 and 2024.
|  | June 30, 2025 |  |  | June 30, 2024 |
(in thousands) |  | Nonaccrual |  |  | Loans Past Due Over 89 Days Still Accruing |  |  | Nonaccrual |  |  | Loans Past Due Over 89 Days Still Accruing |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,924 |  |  | $ | 592 |  |  | $ | 2,678 |  |  | $ | 221 |
Construction |  |  | 291 |  |  |  | - |  |  |  | - |  |  |  | - |
Nonresidential real estate |  |  | 927 |  |  |  | - |  |  |  | 969 |  |  |  | - |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 131 |  |  |  | - |  |  |  | - |  |  |  | 28 |
|  | $ | 3,273 |  |  | $ | 592 |  |  | $ | 3,647 |  |  | $ | 249 |
Schedule of Principal Balance Outstanding in Past Due Loans | The following tables present the aging of the principal balance outstanding past due loans as of June 30, 2025 and 2024, by class of loans
(in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or Greater |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,731 |  |  | $ | 687 |  |  | $ | 1,000 |  |  | $ | 5,418 |  |  | $ | 245,920 |  |  | $ | 251,338 |
Multi-family |  |  | - |  |  |  | 246 |  |  |  | - |  |  |  | 246 |  |  |  | 15,259 |  |  |  | 15,505 |
Construction |  |  | 127 |  |  |  | - |  |  |  | 291 |  |  |  | 418 |  |  |  | 8,896 |  |  |  | 9,314 |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,508 |  |  |  | 1,508 |
Farm |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,023 |  |  |  | 3,023 |
Nonresidential real estate |  |  | 1,704 |  |  |  | 25 |  |  |  | - |  |  |  | 1,729 |  |  |  | 29,969 |  |  |  | 31,698 |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 691 |  |  |  | 691 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 813 |  |  |  | 813 |
Home equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 14,643 |  |  |  | 14,643 |
Automobile |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 134 |  |  |  | 134 |
Unsecured |  |  | 23 |  |  |  |  |  |  |  | - |  |  |  | 23 |  |  |  | 728 |  |  |  | 751 |
|  | $ | 5,585 |  |  | $ | 958 |  |  | $ | 1,291 |  |  | $ | 7,834 |  |  | $ | 321,584 |  |  | $ | 329,418 |
(in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or Greater |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 4,517 |  |  | $ | 847 |  |  | $ | 1,080 |  |  | $ | 6,444 |  |  | $ | 249,772 |  |  | $ | 256,216 |
Multi-family |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 15,815 |  |  |  | 15,815 |
Construction |  |  | 1,085 |  |  |  | 60 |  |  |  | - |  |  |  | 1,145 |  |  |  | 12,670 |  |  |  | 13,815 |
Land |  |  | 55 |  |  |  | - |  |  |  | - |  |  |  | 55 |  |  |  | 909 |  |  |  | 964 |
Farm |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,169 |  |  |  | 1,169 |
Nonresidential real estate |  |  | 840 |  |  |  | - |  |  |  | - |  |  |  | 840 |  |  |  | 33,468 |  |  |  | 34,308 |
Commercial and industrial |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | 4 |  |  |  | 696 |  |  |  | 700 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 819 |  |  |  | 819 |
Home equity |  |  | - |  |  |  | - |  |  |  | 28 |  |  |  | 28 |  |  |  | 10,616 |  |  |  | 10,644 |
Automobile |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 117 |  |  |  | 117 |
Unsecured |  |  | 14 |  |  |  | - |  |  |  | - |  |  |  | 14 |  |  |  | 571 |  |  |  | 585 |
|  | $ | 6,515 |  |  | $ | 907 |  |  | $ | 1,108 |  |  | $ | 8,530 |  |  | $ | 326,662 |  |  | $ | 335,152 |
As of June 30, 2025, and 2024, and based on the most recent analysis performed, the risk category of loans by class of loans was as follows:
(in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 246,533 |  |  | $ | 96 |  |  | $ | 4,709 |  |  | $ | - |
Multi-family |  |  | 15,505 |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | 9,023 |  |  |  | - |  |  |  | 291 |  |  |  | - |
Land |  |  | 1,480 |  |  |  | - |  |  |  | 28 |  |  |  | - |
Farm |  |  | 3,023 |  |  |  | - |  |  |  | - |  |  |  | - |
Nonresidential real estate |  |  | 30,195 |  |  |  | 576 |  |  |  | 927 |  |  |  | - |
Commercial and industrial |  |  | 691 |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 813 |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity |  |  | 14,643 |  |  |  | - |  |  |  | - |  |  |  | - |
Automobile |  |  | 134 |  |  |  | - |  |  |  | - |  |  |  | - |
Unsecured |  |  | 620 |  |  |  | - |  |  |  | 131 |  |  |  | - |
|  | $ | 322,660 |  |  | $ | 672 |  |  | $ | 6,086 |  |  | $ | - |
(in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 250,485 |  |  | $ | 667 |  |  | $ | 5,064 |  |  | $ | - |
Multi-family |  |  | 15,815 |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | 13,815 |  |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | 936 |  |  |  | - |  |  |  | 28 |  |  |  | - |
Farm |  |  | 1,169 |  |  |  | - |  |  |  | - |  |  |  | - |
Nonresidential real estate |  |  | 32,253 |  |  |  | 130 |  |  |  | 1,925 |  |  |  | - |
Commercial and industrial |  |  | 700 |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 819 |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity |  |  | 10,490 |  |  |  | - |  |  |  | 154 |  |  |  | - |
Automobile |  |  | 117 |  |  |  | - |  |  |  | - |  |  |  | - |
Unsecured |  |  | 585 |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 327,184 |  |  | $ | 797 |  |  | $ | 7,171 |  |  | $ | - |
Schedule of Risk Category of Loans by Class of Loans | As of June 30, 2025, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  |  |  |
(in thousands) |  | Term Loans Amortized Cost by Origination Fiscal Year |  |  | Loans Amortized |  |  |  |
As of June 30, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Cost Basis |  |  | Total |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 30,263 |  |  | $ | 30,777 |  |  | $ | 46,914 |  |  | $ | 40,661 |  |  | $ | 38,891 |  |  | $ | 59,027 |  |  | $ | - |  |  | $ | 246,533 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 96 |  |  |  | - |  |  |  | 96 |
Substandard |  |  | 345 |  |  |  | 194 |  |  |  | - |  |  |  | -- |  |  |  | 350 |  |  |  | 3,820 |  |  |  | - |  |  |  | 4,709 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 30,608 |  |  | $ | 30,971 |  |  | $ | 46,914 |  |  | $ | 40,661 |  |  | $ | 39,241 |  |  | $ | 62,943 |  |  | $ | - |  |  | $ | 251,338 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Multi-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,185 |  |  | $ | 395 |  |  | $ | 5,840 |  |  | $ | 5,226 |  |  | $ | 1,202 |  |  | $ | 1,657 |  |  | $ | - |  |  | $ | 15,505 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 1,185 |  |  | $ | 395 |  |  | $ | 5,840 |  |  | $ | 5,226 |  |  | $ | 1,202 |  |  | $ | 1,657 |  |  | $ | - |  |  | $ | 15,505 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 5,241 |  |  | $ | 3,392 |  |  | $ | 282 |  |  | $ | - |  |  | $ | 108 |  |  | $ | - |  |  | $ | - |  |  | $ | 9,023 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | 291 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 291 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 5,241 |  |  | $ | 3,683 |  |  | $ | 282 |  |  | $ | - |  |  | $ | 108 |  |  | $ | - |  |  | $ | - |  |  | $ | 9,314 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 355 |  |  | $ | 581 |  |  | $ | 288 |  |  | $ | 207 |  |  | $ | 49 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,480 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | 28 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 28 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 383 |  |  | $ | 581 |  |  | $ | 288 |  |  | $ | 207 |  |  | $ | 49 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,508 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Farm |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,510 |  |  | $ | - |  |  | $ | - |  |  | $ | 212 |  |  | $ | - |  |  | $ | 301 |  |  | $ | - |  |  | $ | 3,023 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 2,510 |  |  | $ | - |  |  | $ | - |  |  | $ | 212 |  |  | $ | - |  |  | $ | 301 |  |  | $ | - |  |  | $ | 3,023 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,662 |  |  | $ | 7,245 |  |  | $ | 1,169 |  |  | $ | 2,360 |  |  | $ | 2,822 |  |  | $ | 13,937 |  |  | $ | - |  |  | $ | 30,195 |
Special mention |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 551 |  |  |  | - |  |  |  | 576 |
Substandard |  |  | - |  |  |  | - |  |  |  | 722 |  |  |  | - |  |  |  | - |  |  |  | 205 |  |  |  | - |  |  |  | 927 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 2,687 |  |  | $ | 7,245 |  |  | $ | 1,891 |  |  | $ | 2,360 |  |  | $ | 2,822 |  |  | $ | 14,693 |  |  | $ | - |  |  | $ | 31,698 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 545 |  |  | $ | 130 |  |  | $ | 16 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 691 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 545 |  |  | $ | 130 |  |  | $ | 16 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 691 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Share Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 138 |  |  | $ | 57 |  |  | $ | 81 |  |  | $ | - |  |  | $ | 6 |  |  | $ | 531 |  |  | $ | - |  |  | $ | 813 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 138 |  |  | $ | 57 |  |  | $ | 81 |  |  | $ | - |  |  | $ | 6 |  |  | $ | 531 |  |  | $ | - |  |  | $ | 813 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Home Equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 14,643 |  |  | $ | 14,643 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 14,643 |  |  | $ | 14,643 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 69 |  |  | $ | 40 |  |  | $ | 2 |  |  | $ | 18 |  |  | $ | 1 |  |  | $ | 4 |  |  | $ | - |  |  | $ | 134 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 69 |  |  | $ | 40 |  |  | $ | 2 |  |  | $ | 18 |  |  | $ | 1 |  |  | $ | 4 |  |  | $ | - |  |  | $ | 134 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Unsecured |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 340 |  |  | $ | 52 |  |  | $ | 17 |  |  | $ | 21 |  |  | $ | 161 |  |  | $ | 29 |  |  | $ | - |  |  | $ | 620 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | 131 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 131 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 471 |  |  | $ | 52 |  |  | $ | 17 |  |  | $ | 21 |  |  | $ | 161 |  |  | $ | 29 |  |  | $ | - |  |  | $ | 751 |
Current period gross charge offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Schedule of Allowance for Loan Losses by Portfolio Segment | The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended June 30, 2025 and 2024:
(in thousands) |  | Beginning Balance June 30, 2024 |  |  | Provision for (recovery of) credit losses on loans |  |  | Loans charged off |  |  | Recoveries |  |  | Credit Losses for Unfunded Liabilities |  |  | Ending balance |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 1,661 |  |  | $ | 29 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1,690 |
Multi-family |  |  | 100 |  |  |  | (14 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 86 |
Construction |  |  | 122 |  |  |  | (49 | ) |  |  | - |  |  |  | - |  |  |  | (3 | ) |  |  | 70 |
Land |  |  | 28 |  |  |  | (4 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 24 |
Farm |  |  | 4 |  |  |  | 12 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 16 |
Nonresidential real estate |  |  | 192 |  |  |  | 38 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 230 |
Commercial and industrial |  |  | 3 |  |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity |  |  | 14 |  |  |  | 15 |  |  |  | - |  |  |  | 7 |  |  |  | - |  |  |  | 36 |
Automobile |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1 |
Unsecured |  |  | 3 |  |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10 |
|  | $ | 2,127 |  |  | $ | 39 |  |  | $ | - |  |  | $ | 7 |  |  | $ | (3 | ) |  | $ | 2,170 |
(in thousands) |  | Pre-ASC 326 Adoption |  |  | Impact of ASC 326 Adoption |  |  | As Reported Under ASC 326 |  |  | Provision for (recovery of) credit losses on loans |  |  | Loans charged off |  |  | Recoveries |  |  | Credit Losses for Unfunded Liabilities |  |  | Ending balance |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 857 |  |  | $ | 740 |  |  | $ | 1,597 |  |  | $ | 82 |  |  | $ | (18 | ) |  | $ | - |  |  | $ | - |  |  | $ | 1,661 |
Multi-family |  |  | 278 |  |  |  | (145 | ) |  |  | 133 |  |  |  | (33 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 100 |
Construction |  |  | 41 |  |  |  | 97 |  |  |  | 138 |  |  |  | (12 | ) |  |  | - |  |  |  | - |  |  |  | (4 | ) |  |  | 122 |
Land |  |  | 1 |  |  |  | 14 |  |  |  | 15 |  |  |  | 13 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 28 |
Farm |  |  | 4 |  |  |  | 2 |  |  |  | 6 |  |  |  | (2 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4 |
Nonresidential real estate |  |  | 405 |  |  |  | (221 | ) |  |  | 184 |  |  |  | 8 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 192 |
Commercial and industrial |  |  | 23 |  |  |  | (18 | ) |  |  | 5 |  |  |  | (2 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1 |  |  |  | (1 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity |  |  | 23 |  |  |  | 28 |  |  |  | 51 |  |  |  | (31 | ) |  |  | (8 | ) |  |  | 4 |  |  |  | (2 | ) |  |  | 14 |
Automobile |  |  | - |  |  |  | 1 |  |  |  | 1 |  |  |  | (1 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Unsecured |  |  | 1 |  |  |  | - |  |  |  | 1 |  |  |  | 2 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |
|  | $ | 1,634 |  |  | $ | 497 |  |  | $ | 2,131 |  |  | $ | 24 |  |  | $ | (26 | ) |  | $ | 4 |  |  | $ | (6 | ) |  | $ | 2,127 |
Schedule of Purchased Loans | The carrying amount of those loans, net of a purchase credit discount of $25,000 and $25,000, at June 30, 2025 and 2024, respectively, was as follows:
(in thousands) |  | 2025 |  |  | 2024 |
Residential real estate |  |  |  |  |  |
One- to four-family |  | $ | 134 |  |  | $ | 175 |
Schedule of Accretable Yield, or Income Expected to be Collected | Accretable yield, or income expected to be collected on loans purchased during fiscal year 2013, for the years ended June 30 was as follows:
(in thousands) |  | 2025 |  |  | 2024 |
Balance at beginning of year |  | $ | 260 |  |  | $ | 294 |
Accretion of income |  |  | (33 | ) |  |  | (34 | )
Balance at end of year |  | $ | 227 |  |  | $ | 260 |

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