v3.25.2
Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Interest Income    
Interest and fees on loans $ 37,628 $ 34,826
Securities    
Taxable 5,035 5,445
Tax-exempt 89 97
Federal Home Loan Bank dividends 457 378
Deposits with financial institutions 208 238
Total interest and dividend income 43,417 40,984
Interest Expense    
Deposits 17,865 17,653
Federal Home Loan Bank advances and repurchase agreements 4,211 4,752
Line of credit and other borrowings 527 850
Total interest expense 22,603 23,255
Net Interest Income 20,814 17,729
Provision (Credit) for Credit Losses (701) 32
Net Interest Income After Provision (Credit) for Credit Losses 21,515 17,697
Noninterest Income    
Insurance commissions 867 745
Brokerage commissions 720 650
Net realized losses on sale of available-for-sale securities (71) 0
Mortgage banking income, net 274 338
Gain on sale of loans 295 266
Bank-owned life insurance income, net 458 506
Other 1,664 1,207
Total noninterest income 4,944 4,386
Noninterest Expense    
Compensation and benefits 13,204 12,012
Office occupancy 1,071 1,036
Equipment 2,287 2,185
Federal deposit insurance 476 574
Stationary, printing and office 98 58
Advertising 382 409
Professional services 520 426
Supervisory examination 115 101
Audit and accounting services 189 175
Organizational dues and subscriptions 56 55
Insurance bond premiums 253 235
Telephone and postage 169 157
Loss (gain) on sale of foreclosed assets (8) 1
Other 1,730 2,304
Total noninterest expense 20,542 19,728
Income Before Income Tax 5,917 2,355
Provision for Income Taxes 1,613 565
Net Income $ 4,304 $ 1,790
Earnings Per Share:    
Basic $ 1.37 $ 0.57
Diluted 1.37 0.57
Dividends Paid Per Share $ 0.4 $ 0.4
Customer Service Fees [Member]    
Noninterest Income    
Noninterest income $ 481 $ 416
Other Service Charges and Fees [Member]    
Noninterest Income    
Noninterest income $ 256 $ 258