Loans

Schedule of changes in the allowance for loan losses


		Allowance for Credit Losses-Loans-Three Months Ended December 31, 2025
		(Dollars in thousands)

												Provision for
												(Recovery of)
												Credit
			Beginning									Losses-			Ending
			Balance			Charge-offs			Recoveries			Loans			Balance
			October 1, 2025												December 31, 2025
Commercial real estate		$	418		$	—		$	—		$	(51)		$	367
Commercial and industrial			14			—			—			(4)			10
Construction			5			—			—			(4)			1
One-to-four-family residential			979			—			—			121			1,100
Multi-family real estate			236			—			—			(29)			207
Consumer			17			—			1			—			18
Total loans		$	1,669		$	—		$	1		$	33		$	1,703


		Allowance for Credit Losses-Loans-Three Months Ended December 31, 2024
		(Dollars in thousands)

												Provision for
												(Recovery of)
												Credit
			Beginning									Losses-			Ending
			Balance			Charge-offs			Recoveries			Loans			Balance
			October 1, 2024												December 31, 2024
Commercial real estate		$	244		$	—		$	—		$	18		$	262
Commercial and industrial			15			—			—			(1)			14
Construction			—			—			—			—			—
One-to-four-family residential			1,210			—			—			(1)			1,209
Multi-family real estate			168			—			—			(11)			157
Consumer			5			—			1			3			9
Total loans		$	1,642		$	—		$	1		$	8		$	1,651


		Allowance for Credit Losses-Loans-Six Months Ended December 31, 2025
		(Dollars in thousands)

												Provision for
												(Recovery of)
												Credit
			Beginning									Losses-			Ending
			Balance			Charge-offs			Recoveries			Loans			Balance
			July 1, 2025												December 31, 2025
Commercial real estate		$	390		$	—		$	—		$	(23)		$	367
Commercial and industrial			11			—			—			(1)			10
Construction			4			—			—			(3)			1
One-to-four-family residential			1,123			—			—			(23)			1,100
Multi-family real estate			171			—			—			36			207
Consumer			9			—			2			7			18
Total loans		$	1,708		$	—		$	2		$	(7)		$	1,703


		Allowance for Credit Losses-Loans-Six Months Ended December 31, 2024
		(Dollars in thousands)

												Provision for
												(Recovery of)
												Credit
			Beginning									Losses-			Ending
			Balance			Charge-offs			Recoveries			Loans			Balance
			July 1, 2024												December 31, 2024
Commercial real estate		$	259		$	—		$	—		$	3		$	262
Commercial and industrial			16			—			—			(2)			14
Construction			28			—			—			(28)			—
One-to-four-family residential			1,314			—			—			(105)			1,209
Multi-family real estate			175			—			—			(18)			157
Consumer			5			—			1			3			9
Total loans		$	1,797		$	—		$	1		$	(147)		$	1,651

Summary of credit quality information by loan portfolio


																							Revolving
																							Loans
																				Revolving			Converted to
		2026			2025			2024			2023			2022			Prior			Loans			Term Loans			Total

		(Dollars in thousands)
Commercial real estate
Pass		$	10,166		$	27,727		$	2,034		$	3,236		$	22,246		$	24,596		$	161		$	—		$	90,166
Watch			—			—			—			653			—			—			—			—			653
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total commercial real estate		$	10,166		$	27,727		$	2,034		$	3,889		$	22,246		$	24,596		$	161		$	—		$	90,819

Commercial and industrial
Pass		$	432		$	380		$	72		$	398		$	902		$	1,466		$	9		$	—		$	3,659
Watch			—			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total commercial and industrial		$	432		$	380		$	72		$	398		$	902		$	1,466		$	9		$	—		$	3,659

Construction
Pass		$	—		$	800		$	—		$	—		$	—		$	—		$	—		$	—		$	800
Watch			—			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total construction		$	—		$	800		$	—		$	—		$	—		$	—		$	—		$	—		$	800

Multi-family real estate
Pass		$	12,629		$	3,627		$	1,241		$	2,547		$	15,569		$	16,034		$	32		$	—		$	51,679
Watch			—			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total multi-family real estate		$	12,629		$	3,627		$	1,241		$	2,547		$	15,569		$	16,034		$	32		$	—		$	51,679

One-to-four-family residential
Performing		$	12,297		$	9,474		$	2,606		$	6,042		$	9,310		$	24,089		$	—		$	—		$	63,818
Non-performing			—			—			—			123			—			67			—			—			190
Total one-to-four-family		$	12,297		$	9,474		$	2,606		$	6,165		$	9,310		$	24,156		$	—		$	—		$	64,008

Consumer
Performing		$	—		$	156		$	32		$	25		$	58		$	—		$	2,496		$	—		$	2,767
Non-performing			—			—			—			—			—			—			—			—			—
Total consumer		$	—		$	156		$	32		$	25		$	58		$	—		$	2,496		$	—		$	2,767

Total loans		$	35,524		$	42,164		$	5,985		$	13,024		$	48,085		$	66,252		$	2,698		$	—		$	213,732


																							Revolving
																							Loans
																				Revolving			Converted to
		2025			2024			2023			2022			2021			Prior			Loans			Term Loans			Total

		(Dollars in thousands)
Commercial real estate
Pass		$	27,952		$	4,203		$	4,041		$	25,549		$	18,297		$	11,029		$	139		$	—		$	91,210
Watch			—			—			657			—			—			—			—			—			657
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total commercial real estate		$	27,952		$	4,203		$	4,698		$	25,549		$	18,297		$	11,029		$	139		$	—		$	91,867

Commercial and industrial
Pass		$	415		$	64		$	513		$	1,125		$	1,483		$	264		$	12		$	—		$	3,876
Watch			—			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total commercial and industrial		$	415		$	64		$	513		$	1,125		$	1,483		$	264		$	12		$	—		$	3,876

Construction
Pass		$	733		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	733
Watch			—			—			—			—			—			—			—			—			—
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total construction		$	733		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	733

Multi-family real estate
Pass		$	5,444		$	1,617		$	7,696		$	16,275		$	13,043		$	3,193		$	46		$	—		$	47,314
Watch			—			—			494			—			—			—			—			—			494
Special Mention			—			—			—			—			—			—			—			—			—
Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total multi-family real estate		$	5,444		$	1,617		$	8,190		$	16,275		$	13,043		$	3,193		$	46		$	—		$	47,808

One-to-four-family residential
Performing		$	9,565		$	3,196		$	6,667		$	10,699		$	9,886		$	16,250		$	—		$	—		$	56,263
Non-performing			—			—			—			—			—			67			—			—			67
Total one-to-four-family		$	9,565		$	3,196		$	6,667		$	10,699		$	9,886		$	16,317		$	—		$	—		$	56,330

Consumer
Performing		$	179		$	38		$	31		$	85		$	—		$	—		$	1,624		$	—		$	1,957
Non-performing			—			—			—			—			—			—			—			—			—
Total consumer		$	179		$	38		$	31		$	85		$	—		$	—		$	1,624		$	—		$	1,957

Total loans		$	44,288		$	9,118		$	20,099		$	53,733		$	42,709		$	30,803		$	1,821		$	—		$	202,571

Schedule of amortized cost basis of loans on nonaccrual status and the related allowance


	December 31, 2025
		Nonaccrual loans	Loans Past Due
	Without an Allowance		Over 90 Days			Interest Income
	For Credit Loss		Still Accruing			Three Months Ended		Six Months Ended
Commercial real estate	$	—	$	—		$	—	$	—
Commercial and industrial		—		—			—		—
Construction		—		—			—		—
One-to-four-family residential		190,013		—			—		—
Multi-family real estate		—		—			—		—
Consumer		—		—			—		—
Total loans	$	190,013	$	—		$	—	$	—


	June 30, 2025
		Nonaccrual loans	Loans Past Due
	Without an Allowance		Over 90 Days		Interest Income
	For Credit Loss		Still Accruing			Year Ended
Commercial real estate	$	—	$	—		$	—
Commercial and industrial		—		—			—
Construction		—		—			—
One-to-four-family residential		66,645		—			2,492
Multi-family real estate		—		—			—
Consumer		—		—			—
Total loans	$	66,645	$	—		$	2,492