v3.25.4
Consolidated Statements of Operations (unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2025
Dec. 31, 2024
Interest and dividend income:        
Interest and fees on loans $ 10,702 $ 9,245 $ 21,104 $ 18,260
Interest and dividends on securities 1,167 755 2,280 1,521
Interest on federal funds sold and other interest-bearing deposits 545 507 967 956
Total interest and dividend income 12,414 10,507 24,351 20,737
Interest expense:        
Interest on deposits 4,876 4,942 9,546 9,951
Interest on Federal Home Loan Bank advances 1,475 1,534 3,000 2,988
Total interest expense 6,351 6,476 12,546 12,939
Net interest income 6,063 4,031 11,805 7,798
Provision for credit losses 388 238 68 1,400
Net interest income, after provision for credit losses 5,675 3,793 11,737 6,398
Non-interest income:        
Customer service fees 191 180 382 368
Income on bank owned life insurance 119 118 238 235
Loss on available for sale securities, net 0 0 (317) 0
Gain on marketable equity securities, net 0 52 0 223
Gain on sale of loans 8 0 0 0
Miscellaneous 64 38 130 63
Total non-interest income 382 388 433 889
Non-interest expense:        
Salaries and employee benefits 2,621 2,174 5,390 5,159
Occupancy and equipment, net 513 413 909 790
Data processing 381 305 789 652
Deposit insurance 160 207 370 428
Marketing and advertising 144 96 328 192
Net periodic pension and post retirement benefit, less service costs 0 0 (73) (723)
Other general and administrative 888 572 1,789 1,205
Total non-interest expense 4,707 3,767 9,502 7,703
Income (loss) before income taxes 1,350 414 2,668 (416)
Provision (benefit) for income taxes 276 41 632 (157)
Net income (loss) $ 1,074 $ 373 $ 2,036 $ (259)
Average common shares outstanding, basic 8,969,031   8,966,962  
Average common shares outstanding, diluted 8,969,031   8,966,962  
Net loss per share, basic $ 0.12   $ 0.23  
Net loss per share, diluted $ 0.12   $ 0.23