v3.25.4
CONSOLIDATED BALANCE SHEETS - USD ($)
Dec. 31, 2025
Jun. 30, 2025
Assets    
Cash and due from banks $ 2,166,492 $ 2,242,736
Federal funds sold 11,491,000 12,143,000
Cash and cash equivalents 13,657,492 14,385,736
Interest earning deposits held in other financial institutions 176,326 237,247
Debt securities available for sale, at fair value 4,060,914 5,201,279
Debt securities held to maturity, at amortized cost (fair value $372,596 and $373,568) 465,336 483,787
Loans, net of allowance of $1,702,526 and $1,708,269, respectively 211,912,653 200,795,706
Accrued interest receivable 706,026 667,686
Foreclosed assets, net 996,373 996,373
Investment in restricted stock, at cost 1,329,413 1,329,413
Cash surrender value life insurance 9,384,116 9,242,673
Premises and equipment, net 3,707,059 3,883,537
Other assets 1,620,318 1,611,363
Total assets 248,016,026 238,834,800
Deposits    
Non-interest bearing 21,415,679 22,466,092
Interest bearing 156,971,774 152,774,734
Total deposits 178,387,453 175,240,826
Federal Home Loan Bank (FHLB) advances 19,000,000 15,000,000
Other liabilities 3,743,138 2,884,753
Total liabilities 201,130,591 193,125,579
Commitments and Contingent Liabilities (see note 13)
Stockholders' Equity    
Preferred stock, $.01 par value, 5,000,000 shares authorized, none issued
Common stock, $.01 par value, 20,000,000 shares authorized, 2,938,620 and 2,938,698 shares issued and outstanding at December 31, 2025 and June 30, 2025, respectively 28,962 28,962
Additional paid-in capital 22,753,704 22,647,140
Retained earnings 26,511,815 25,566,126
Unearned ESOP shares, at cost (2,005,296) (2,047,077)
Accumulated other comprehensive loss (403,750) (485,930)
Total stockholders' equity 46,885,435 45,709,221
Total liabilities and stockholders' equity $ 248,016,026 $ 238,834,800