v3.25.4
Consolidated Statements of Cash Flows (unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities:    
Net Income (Loss) $ 2,036 $ (259)
Adjustments to reconcile net income (loss) to net cash provided by (used) by operating activities:    
Provision for credit losses 68 1,400
Net amortization of securities 24 185
Depreciation and amortization 544 421
Increase in cash surrender value of bank owned life insurance (238) (235)
Amortization (accretion) of net deferred loan origination fees 38 (34)
Losses on sale of securities available for sale, net 317 0
Gain on marketable equity securities, net 0 (223)
Deferred tax provision 288 0
Net change in:    
Accrued interest receivable (299) 31
Other assets 588 (707)
Accrued expenses and other liabilities (458) (856)
Net cash provided (used) by operating activities 2,908 (277)
Activity in securities available for sale:    
Maturities, calls and prepayments 4,683 11,889
Sales 7,195 0
Purchases (27,743) (13,500)
Activity in securities held to maturity:    
Maturities, calls and prepayments 3,219 9,714
Purchases (4,954) (7,002)
Purchase (redemption) of Federal Home Loan Bank stock 116 (280)
Loan originations, net of principal payments (49,797) (44,824)
Purchase of premises and equipment, net (53) (137)
Net cash used by investing activities (67,334) (44,140)
Cash flows from financing activities:    
Net increase in deposits 67,140 25,599
Net change in short-term Federal Home Loan Bank advances 1,000 6,049
Proceeds from long-term Federal Home Loan Bank advances 0 20,000
Repayment of long-term Federal Home Loan Bank advances (4,404) (10,000)
Net increase in mortgagors' escrow accounts 231 203
Net cash provided by financing activities 63,967 41,851
Net change in cash and cash equivalents (459) (2,566)
Cash and cash equivalents at beginning of year 55,244 44,114
Cash and cash equivalents at end of year 54,785 41,548
Supplemental cash flow information:    
Interest paid on deposits 9,625 10,042
Interest paid on Federal Home Loan Bank advances 3,026 3,311
Income taxes paid, net of (refunds) $ 911 $ 30