CONSOLIDATED STATEMENTS OF INCOME - USD ($) |
3 Months Ended | 6 Months Ended | ||||||
|---|---|---|---|---|---|---|---|---|
Dec. 31, 2025 |
Dec. 31, 2024 |
[1] | Dec. 31, 2025 |
Dec. 31, 2024 |
[1] | |||
| Interest Income | ||||||||
| Loans, including fees | $ 2,756,794 | $ 2,037,941 | $ 5,377,900 | $ 4,113,820 | ||||
| Debt securities | 31,321 | 44,868 | 88,135 | 91,331 | ||||
| Other | 162,578 | 184,416 | 360,073 | 374,271 | ||||
| Total interest income | 2,950,693 | 2,267,225 | 5,826,108 | 4,579,422 | ||||
| Interest Expense | ||||||||
| Deposits | 751,897 | 763,506 | 1,534,116 | 1,534,861 | ||||
| Borrowings and other | 140,990 | 97,622 | 281,162 | 218,370 | ||||
| Total interest expense | 892,887 | 861,128 | 1,815,278 | 1,753,231 | ||||
| Net Interest Income | 2,057,806 | 1,406,097 | 4,010,830 | 2,826,191 | ||||
| Provision for (Recovery of) Credit Losses | 33,000 | 8,000 | (7,000) | (147,000) | ||||
| Net Interest Income After Provision for (Recovery of) Credit Losses | 2,024,806 | 1,398,097 | 4,017,830 | 2,973,191 | ||||
| Non-Interest Income | ||||||||
| Service charges on deposit accounts | 34,171 | 28,920 | 67,279 | 60,559 | ||||
| Mortgage banking income | 66,120 | 76,755 | 147,382 | 164,668 | ||||
| Increase in cash value of life insurance | 71,550 | 67,193 | 141,443 | 134,189 | ||||
| Other income | 18,106 | 7,433 | 23,521 | 14,119 | ||||
| Total non-interest income | 189,947 | 180,301 | 379,625 | 373,535 | ||||
| Non-Interest Expenses | ||||||||
| Salaries and employee benefits | 903,919 | 834,453 | 1,801,791 | 1,669,641 | ||||
| Occupancy and equipment expenses | 210,042 | 210,273 | 426,021 | 450,730 | ||||
| Data processing and office | 26,843 | 99,660 | 126,186 | 214,394 | ||||
| Professional fees | 257,236 | 185,010 | 449,757 | 341,629 | ||||
| Marketing expenses | 21,816 | 13,933 | 43,266 | 28,645 | ||||
| Foreclosed assets, net | 13,495 | 5,228 | 29,730 | 22,800 | ||||
| Other expenses | 192,799 | 177,195 | 384,782 | 350,735 | ||||
| Total non-interest expenses | 1,626,150 | 1,525,752 | 3,261,533 | 3,078,574 | ||||
| Income Before Provision for Income Taxes | 588,603 | 52,646 | 1,135,922 | 268,152 | ||||
| Provision for Income Taxes | 87,207 | 1,519 | 190,233 | 42,118 | ||||
| Net Income | $ 501,396 | $ 51,127 | $ 945,689 | $ 226,034 | ||||
| Net income per common share-basic | $ 0.19 | $ 0.02 | $ 0.35 | $ 0.08 | ||||
| Net income per common share-diluted | $ 0.19 | $ 0.02 | $ 0.35 | $ 0.08 | ||||
| Weighted average number of common shares outstanding-basic | 2,686,037 | 2,792,641 | 2,684,856 | 2,793,235 | ||||
| Weighted average number of common shares outstanding-diluted | 2,698,863 | 2,793,938 | 2,694,021 | 2,793,235 | ||||
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- Definition Income from mortgage banking. No definition available.
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- Definition Service charges on deposit accounts relate to fees generated from a variety of deposit products and services rendered to customers. Charges include, but are not limited to, overdraft fees, non-sufficient fund fees, dormant fees and monthly service charges. Such fees are recognized concurrent with the event on a daily basis or on a monthly basis depending upon the customer's cycle date. No definition available.
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- Definition Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of expense recognized during the period for the foreclosure on real estate assets. No definition available.
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- Definition Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The amount of expenses incurred in the period for information technology and data processing products and services. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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- Definition The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Aggregate amount of interest expense on all borrowings. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Aggregate amount of interest expense on all deposits. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of interest expense classified as operating. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- References No definition available.
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- Definition Amount of interest income, amortization of premium and accretion of discount on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale); classified as operating. No definition available.
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- Definition Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of interest income (expense) classified as operating. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Expenditures for planning and executing the conception, pricing, promotion, and distribution of ideas, goods, and services. Costs of public relations and corporate promotions are typically considered to be marketing costs. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition The portion of profit or loss for the period, net of income taxes, which is attributable to the parent. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Total aggregate amount of all noninterest expense. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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- Definition The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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- Definition Amount of revenue earned, classified as other, excluding interest income. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount, after discount, accretion and premium amortization, of interest income and dividend income classified as other. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of noninterest expense classified as other. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Amount of credit loss expense (reversal of expense) for financing receivable. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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