Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2022	Jun. 30, 2021
ASSETS:
Cash on hand and noninterest-bearing deposits in financial institutions	$ 11,254	$ 8,902
Federal funds sold and interest-bearing deposits in financial institutions	9,698	9,627
Total cash and cash equivalents	20,952	18,529
Certificates of deposit in financial institutions	3,781	5,825
Securities, available-for-sale	296,347	207,760
Securities, held-to-maturity (fair value 2022 $7,831 and 2021 $8,352)	7,874	7,996
Equity securities, at fair value	400	424
Federal bank and other restricted stocks, at cost	2,525	2,472
Loans held for sale	1,165	1,457
Total loans	611,843	566,427
Less allowance for loan losses	(7,160)	(6,471)
Net loans	604,683	559,956
Cash surrender value of life insurance	9,959	9,702
Premises and equipment, net	16,521	15,793
Goodwill	2,452	836
Core deposit intangible, net	470	229
Accrued interest receivable and other assets	10,184	2,825
Total assets	977,313	833,804
LIABILITIES:
Noninterest-bearing demand	257,665	229,102
Interest bearing demand	157,462	127,447
Savings	369,054	282,761
Time	102,381	87,539
Total deposits	886,562	726,849
Short-term borrowings	21,295	12,203
Federal Home Loan Bank advances	8,256	18,050
Accrued interest payable and other liabilities	7,230	6,802
Total liabilities	923,343	763,904
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; 3,132,056 and 3,124,053 shares issued as of June 30, 2022 and June 30, 2021, respectively	20,287	20,011
Retained earnings	56,906	47,663
Treasury stock, at cost (75,382 and 95,953 common shares at June 30, 2022 and 2021, respectively)	(1,117)	(1,324)
Accumulated other comprehensive income (loss)	(22,106)	3,550
Total shareholders’ equity	53,970	69,900
Total liabilities and shareholders’ equity	$ 977,313	$ 833,804