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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
6 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Cash flows from operating activities:    
Net loss $ (2) $ (536)
Adjustments to reconcile net loss to net cash from operating activities    
Depreciation 103 119
Accretion of purchased loan credit discount (11)
Amortization of deferred loan origination costs (fees) (13) 1
Amortization of premiums on investment securities (10) (11)
Net gain on sale of loans (141) (6)
Net (gain) loss on sale of real estate owned (4)
Earnings on bank-owned life insurance (43) (42)
Provision for credit losses 15 15
Origination of loans held for sale (3,656) (782)
Proceeds from loans held for sale 3,791 518
Deferred Income Taxes 30 (192)
Increase (decrease) in cash, due to changes in:    
Accrued interest receivable (95) (176)
Prepaid expenses and other assets (52) (195)
Accrued interest payable 302 97
Other liabilities (189) 113
Net cash provided by (used in) operating activities 40 (1,092)
Securities maturities, prepayments and calls:    
Held to maturity 22 37
Available for sale 1,111 1,301
Proceeds from sale of FHLB stock 133 532
Purchase of FHLB stock (342) (152)
Loans originated for investment, net of principal collected 2,791 (12,338)
Proceeds from sale of real estate owned 64
Additions to premises and equipment, net (83) (45)
Net cash provided by (used in) investing activities 3,632 (10,601)
Cash flows from financing activities:    
Net increase in deposits 6,916 18,320
Payments by borrowers for taxes and insurance, net (703) (459)
Proceeds from Federal Home Loan Bank advances 14,446 48,800
Repayments on Federal Home Loan Bank advances (21,642) (47,879)
Dividends paid on common stock (671)
Net cash provided by (used in) financing activities (983) 18,111
Net increase in cash and cash equivalents 2,689 6,418
Beginning cash and cash equivalents 18,287 8,167
Ending cash and cash equivalents 20,976 14,584
Cash paid during the period for:    
Income taxes 125
Interest on deposits and borrowings $ 5,194 $ 4,236