Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 12,507	$ 11,254
Federal funds sold and interest-bearing deposits in financial institutions	13,008	9,698
Total cash and cash equivalents	25,515	20,952
Certificates of deposit in other financial institutions	3,769	3,781
Securities, available-for-sale	278,418	296,347
Securities, held-to-maturity (fair value of $7,122 at September 30, 2022 and $7,831 at June 30, 2022)	7,769	7,874
Equity securities, at fair value	376	400
Federal bank and other restricted stocks, at cost	2,267	2,525
Loans held for sale	433	1,165
Total loans	637,601	611,843
Less allowance for loan losses	(7,546)	(7,160)
Net loans	630,055	604,683
Cash surrender value of life insurance	10,024	9,959
Premises and equipment, net	16,413	16,521
Goodwill	2,452	2,452
Core deposit intangible, net	456	470
Accrued interest receivable and other assets	13,476	10,184
Total assets	991,423	977,313
LIABILITIES
Noninterest-bearing demand	261,296	257,665
Interest bearing demand	165,338	157,462
Savings	365,906	369,054
Time	119,543	102,381
Total deposits	912,083	886,562
Short-term borrowings	20,946	21,295
Federal Home Loan Bank advances	8,217	8,256
Accrued interest and other liabilities	6,719	7,230
Total liabilities	947,965	923,343
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 3,135,121 and 3,132,056 shares issued as of September 30, 2022 and June 30, 2022, respectively)	20,385	20,287
Retained earnings	58,922	56,906
Treasury stock, at cost (75,382 common shares as of September 30, 2022 and June 30, 2022)	(1,001)	(1,117)
Accumulated other comprehensive loss	(34,848)	(22,106)
Total shareholders’ equity	43,458	53,970
Total liabilities and shareholders’ equity	$ 991,423	$ 977,313