Long-term advances with remaining maturities less than one year totaled $10.4 million at June 30, 2025, at a weighted average rate of 4.51%, consist of four fixed-rate advances with various maturity dates during the year ending June 30, 2026. There were no long-term advances having a maturity of greater than one year at June 30, 2025. There were no overnight advances at June 30, 2025.

Long-term advances or advances having a maturity greater than one year totaled $10.4 million at June 30, 2024, at a weighted average rate of 4.51%, consist of four fixed-rate advances with various maturity dates during the year ending June 30, 2026. There were no short-term advances or advances having a maturity of less than one year at June 30, 2024. There were no overnight advances at June 30, 2024.

Selected information for such borrowings is as follows:



	June 30, 2025		June 30, 2024
(Dollars in thousands)
Average daily balance	$	10,350	$	9,091
Maximum amount outstanding at any month end		10,350		19,100

At June 30, 2025, the Bank had an available line of credit in the amount of $2,354,000 with the FHLB at an interest rate that adjusts daily. Borrowings under the line are limited to 2% of the Company’s total assets. At June 30, 2025 and 2024 there were no funds advanced under the line of credit. All borrowings from the FHLB are secured by a blanket lien on qualified collateral, defined principally as first mortgage loans on owner-occupied one- to four-family residential properties.

The Bank has an available line of credit under the Federal Reserve Bank Borrower-in-Custody program offered through the Discount Window. Under the terms of the credit line at June 30, 2025 and June 30, 2024, the Bank has pledged certain qualifying securities with a fair market value of $28,777,000 and $28,478,000, respectively. The line bears a variable interest rate equal to the federal funds rate plus 0.50%. At June 30, 2025 and 2024, there was no outstanding balance under this program.