Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2023	Jun. 30, 2022
ASSETS:
Cash on hand and noninterest-bearing deposits in financial institutions	$ 11,734	$ 11,254
Federal funds sold and interest-bearing deposits in financial institutions	21	9,698
Total cash and cash equivalents	11,755	20,952
Certificates of deposit in financial institutions	2,501	3,781
Securities, available-for-sale	279,605	296,347
Securities, held-to-maturity (fair value 2023 $6,294 and 2022 $7,831)	6,970	7,874
Equity securities, at fair value	386	400
Federal bank and other restricted stocks, at cost	2,168	2,525
Loans held for sale	764	1,165
Total loans	710,362	611,843
Less allowance for loan losses	(7,724)	(7,160)
Net loans	702,638	604,683
Cash surrender value of life insurance	10,222	9,959
Premises and equipment, net	17,182	16,521
Goodwill	2,452	2,452
Core deposit intangible, net	414	470
Accrued interest receivable and other assets	22,967	10,184
Total assets	1,060,024	977,313
LIABILITIES:
Noninterest-bearing demand	250,906	257,665
Interest bearing demand	152,053	157,462
Savings	335,231	369,054
Time	214,343	102,381
Total deposits	952,533	886,562
Short-term borrowings	26,367	21,295
Federal Home Loan Bank advances	8,776	8,256
Accrued interest payable and other liabilities	16,864	7,230
Total liabilities	1,004,540	923,343
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; 3,144,739 and 3,132,056 shares issued as of June 30, 2023 and June 30, 2022, respectively	20,769	20,287
Retained earnings	65,485	56,906
Treasury stock, at cost (48,639 and 75,382 common shares at June 30, 2023 and 2022, respectively)	(809)	(1,117)
Accumulated other comprehensive loss	(29,961)	(22,106)
Total shareholders’ equity	55,484	53,970
Total liabilities and shareholders’ equity	$ 1,060,024	$ 977,313