Note 4 - Loans (Tables)

12 Months Ended

Jun. 30, 2023

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	2023			2022
Commercial	$	112,558		$	87,008
Commercial real estate:
Construction		23,981			15,158
Other		318,636			291,847
1 – 4 Family residential real estate:
Owner occupied		156,989			142,244
Non-owner occupied		23,880			26,029
Construction		8,443			4,317
Consumer		65,617			44,964
Subtotal		710,104			611,567
Net deferred loan fees and costs		258			276
Allowance for loan losses		(7,724	)		(7,160	)
Net loans	$	702,638		$	604,683

Financing Receivable, Allowance for Credit Loss [Table Text Block]

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate			Consumer			Total
Allowance for loan losses:
Beginning balance	$	960	$	3,927	$	1,645		$	628		$	7,160
Provision for loan losses		348		15		(72	)		564			855
Loans charged-off		—		—		(6	)		(441	)		(447	)
Recoveries		—		1		4			151			156
Total ending allowance balance	$	1,308	$	3,943	$	1,571		$	902		$	7,724

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total
Allowance for loan losses:
Beginning balance	$	904	$	3,949		$	1,307		$	311		$	6,471
Provision for loan losses		33		(24	)		359			367			735
Loans charged-off		—		—			(41	)		(132	)		(173	)
Recoveries		23		2			20			82			127
Total ending allowance balance	$	960	$	3,927		$	1,645		$	628		$	7,160

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Acquired loans collectively evaluated for impairment		—		40		74		—		114
Originated loans collectively evaluated for impairment		1,308		3,903		1,497		902		7,610
Total ending allowance balance	$	1,308	$	3,943	$	1,571	$	902	$	7,724
Recorded investment in loans:
Loans individually evaluated for impairment	$	314	$	88	$	3	$	—	$	405
Acquired loans collectively evaluated for impairment		622		6,953		23,038		1,230		31,843
Originated loans collectively evaluated for impairment		111,890		335,660		167,798		64,364		679,712
Total ending loans balance	$	112,826	$	342,701	$	190,839	$	65,594	$	711,960

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Acquired loans collectively evaluated for impairment		1		62		85		—		148
Originated loans collectively evaluated for impairment		959		3,865		1,560		628		7,012
Total ending allowance balance	$	960	$	3,927	$	1,645	$	628	$	7,160
Recorded investment in loans:
Loans individually evaluated for impairment	$	276	$	42	$	155	$	—	$	473
Acquired loans collectively evaluated for impairment		665		10,095		27,731		3,051		41,542
Originated loans collectively evaluated for impairment		86,310		296,776		146,058		41,898		571,042
Total ending loans balance	$	87,251	$	306,913	$	173,944	$	44,949	$	613,057

Impaired Financing Receivables [Table Text Block]

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	404	$	314	$	—	$	306	$	37	$	37
Commercial real estate:
Other		127		88		—		52		6		6
1-4 Family residential real estate:
Owner occupied		24		—		—		38		2		2
Non-owner occupied		3		3		—		29		—		—
Total	$	558	$	405	$	—	$	425	$	45	$	45

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	414	$	276	$	—	$	291	$	—	$	—
Commercial real estate:
Other		83		42		—		518		193		193
1-4 Family residential real estate:
Owner occupied		48		22		—		187		8		8
Non-owner occupied		193		133		—		93		75		75
With an allowance recorded:
Commercial		—		—		—		113		6		6
Total	$	738	$	473	$	—	$	1,202	$	282	$	282

Financing Receivable, Past Due [Table Text Block]

	June 30, 2023				June 30, 2022
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	—	$	—	$	276	$	9
Commercial real estate:
Other		51		—		—		—
1 – 4 Family residential:
Owner occupied		—		—		22		—
Non-owner occupied		3		—		133		—
Consumer		—		50		—		—
Total	$	54	$	50	$	431	$	9

	Days Past Due
	30 – 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	112,826	$	112,826
Commercial real estate:
Construction		—		—		—		—		23,996		23,996
Other		—		—		51		51		318,654		318,705
1-4 Family residential:
Owner occupied		17		124		—		141		158,296		158,437
Non-owner occupied		—		—		3		3		23,885		23,888
Construction		—		—		—		—		8,514		8,514
Consumer		438		120		50		608		64,986		65,594
Total	$	455	$	244	$	104	$	803	$	711,157	$	711,960

	Days Past Due
	30 – 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	9	$	9	$	87,242	$	87,251
Commercial real estate:
Construction		—		—		—		—		15,138		15,138
Other		52		—		—		52		291,723		291,775
1-4 Family residential:
Owner occupied		125		—		—		125		143,381		143,506
Non-owner occupied		—		—		27		27		26,036		26,063
Construction		—		—		—		—		4,375		4,375
Consumer		381		79		—		460		44,489		44,949
Total	$	558	$	79	$	36	$	673	$	612,384	$	613,057

Financing Receivable Credit Quality Indicators [Table Text Block]

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	110,928	$	1,174	$	573	$	—	$	151
Commercial real estate:
Construction		23,996		—		—		—		—
Other		310,427		7,097		468		51		662
1-4 Family residential real estate:
Owner occupied		2,013		—		17		—		156,407
Non-owner occupied		23,474		50		105		3		256
Construction		3,227		—		—		—		5,287
Consumer		597		—		—		—		64,997
Total	$	474,662	$	8,321	$	1,163	$	54	$	227,760

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	86,265	$	350	$	178	$	276	$	182
Commercial real estate:
Construction		15,138		—		—		—		—
Other		283,877		2,500		4,711		—		687
1-4 Family residential real estate:
Owner occupied		1,321		—		—		22		142,163
Non-owner occupied		25,606		59		—		133		265
Construction		1,234		—		—		—		3,141
Consumer		605		—		—		—		44,344
Total	$	414,046	$	2,909	$	4,889	$	431	$	190,782