XML 15 R4.htm IDEA: XBRL DOCUMENT v3.25.3
Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Interest income    
Loans, including fees $ 4,695 $ 4,265
Mortgage-backed securities 98 81
Interest-bearing deposits and other 259 274
Total interest income 5,052 4,620
Interest expense    
Interest-bearing demand deposits 30 9
Savings 49 50
Certificates of deposit 1,990 1,876
Deposits 2,069 1,935
Borrowings 479 815
Total interest expense 2,548 2,750
Net interest income 2,504 1,870
Provision for credit losses 15
Net interest income after provision for credit losses 2,504 1,855
Non-interest income    
Earnings on bank-owned life insurance 22 22
Net gain on sales of loans 65 60
Other 66 55
Total non-interest income 153 137
Non-interest expense    
Employee compensation and benefits 1,204 1,186
Data processing 226 164
Occupancy and equipment 136 137
FDIC insurance premiums 61 63
Voice and data communications 33 34
Advertising 43 42
Outside service fees 160 70
Auditing and accounting 95 80
Regulatory assessments 23 23
Foreclosure and real estate owned expenses (net) 26 21
Franchise and other taxes 31 28
Other 166 165
Total non-interest expense 2,204 2,013
Income (loss) before income taxes 453 (21)
Income tax expense (benefit) 109 (6)
NET INCOME (LOSS) $ 344 $ (15)
EARNINGS (LOSS) PER SHARE    
Basic (in Dollars per share) $ 0.04 $ 0
Diluted (in Dollars per share) 0.04 0
DIVIDENDS PER SHARE (in Dollars per share) $ 0 $ 0