v3.26.1
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Cash flows from operating activities:    
Net Income $ 743 $ 495
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Provision for credit losses 30 27
Net amortization of deferred fees on loans 60 54
Net amortization of securities premiums and discounts (287) (418)
Depreciation 150 151
Net realized gains on sale of securities available-for-sale (AFS) (2)  
Net amortization of core deposit intangible 243 278
Net realized losses on disposal of premises and equipment 2  
Net realized gains on sale of foreclosed assets (39)  
ESOP expense for shares committed to be released 53 42
Proceeds from bank owned life insurance death benefit 566  
Gain on bank owned life insurance death benefit (103)  
Earnings on investment in bank owned life insurance (137) (125)
Stock based compensation expense 67 15
Net change in accrued interest receivable and other assets (1,102) (395)
Net change in accrued interest payable and other liabilities 723 507
Net cash provided by operating activities 967 631
Securities available for sale:    
Proceeds from sales of securities (AFS) 1,711  
Proceeds from maturities and principal reductions of securities (AFS) 13,655 3,886
Purchases of securities (AFS) (9,189) (1,179)
Redemptions of FHLB stock 141 10
Net increase in loans receivable (3,941) (1,876)
Additions to premises and equipment (330) (105)
Proceeds from the sale of foreclosed assets 197  
Net cash provided by investing activities 2,244 736
Cash flows from financing activities:    
Net increase/(decrease) in deposits 901 (488)
Net change in short-term borrowings (3,000)  
Advance payments by borrowers for property taxes and insurance, net 992 761
Proceeds from stock option exercises 22  
Repurchase of authorized stock (255) (632)
Cash dividends paid to common stock shareholders (191) (173)
Net cash used in financing activities (1,531) (532)
Net increase in cash and cash equivalents 1,680 835
Cash and cash equivalents - Beginning of Period 4,659 6,370
Cash and cash equivalents - End of Period 6,339 7,205
Supplemental disclosures:    
Cash paid during the period for interest 1,157 1,132
Loans receivable transferred to foreclosed assets during the period $ 60 $ 117