Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2021	Jun. 30, 2020
ASSETS:
Cash on hand and noninterest-bearing deposits in financial institutions	$ 8,902	$ 8,429
Federal funds sold and interest-bearing deposits in financial institutions	9,627	1,230
Total cash and cash equivalents	18,529	9,659
Certificates of deposit in financial institutions	5,825	11,635
Securities, available-for-sale	207,760	143,918
Securities, held-to-maturity (fair value 2021 $8,352 and 2020 $3,868)	7,996	3,541
Equity securities, at fair value	424
Federal bank and other restricted stocks, at cost	2,472	2,472
Loans held for sale	1,457	3,507
Total loans	566,427	542,861
Less allowance for loan losses	(6,471)	(5,678)
Net loans	559,956	537,183
Cash surrender value of life insurance	9,702	9,442
Premises and equipment, net	15,793	14,901
Goodwill	836	836
Core deposit intangible, net	229	256
Accrued interest receivable and other assets	2,825	3,470
Total assets	833,804	740,820
LIABILITIES:
Noninterest-bearing demand	229,102	190,233
Interest bearing demand	127,447	99,173
Savings	282,761	228,567
Time	87,539	115,382
Total deposits	726,849	633,355
Short-term borrowings	12,203	6,943
Federal Home Loan Bank advances	18,050	31,161
Accrued interest payable and other liabilities	6,802	6,121
Total liabilities	763,904	677,580
Commitments and contingent liabilities (Note 14)
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value; 350,000 shares authorized	0	0
Common shares, no par value; 8,500,000 shares authorized; 3,124,053 shares issued as of June 30, 2021 and June 30, 2020	20,011	19,974
Retained earnings	47,663	40,460
Treasury stock, at cost (95,953 and 108,475 common shares at June 30, 2021 and 2020, respectively)	(1,324)	(1,454)
Accumulated other comprehensive income	3,550	4,260
Total shareholders’ equity	69,900	63,240
Total liabilities and shareholders’ equity	$ 833,804	$ 740,820