Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 15,557	$ 11,734
Federal funds sold and interest-bearing deposits in financial institutions	4,086	21
Total cash and cash equivalents	19,643	11,755
Certificates of deposit in other financial institutions	2,493	2,501
Securities, available-for-sale	261,030	279,605
Securities, held-to-maturity (fair value of $6,123 at September 30, 2023 and $6,294 at June 30, 2023)	6,866	6,970
Equity securities, at fair value	386	386
Federal bank and other restricted stocks, at cost	1,982	2,168
Loans held for sale	0	764
Total loans	717,921	710,362
Less allowance for credit losses	(7,782)	(7,724)
Net loans	710,139	702,638
Cash surrender value of life insurance	10,290	10,222
Premises and equipment, net	17,197	17,182
Goodwill	2,452	2,452
Core deposit intangible, net	400	414
Accrued interest receivable and other assets	24,638	22,967
Total assets	1,057,516	1,060,024
LIABILITIES
Noninterest-bearing demand	236,565	250,906
Interest bearing demand	151,661	152,053
Savings	342,684	335,231
Time	230,464	214,343
Total deposits	961,374	952,533
Short-term borrowings	21,945	26,367
Federal Home Loan Bank advances	8,146	8,776
Accrued interest and other liabilities	16,496	16,864
Total liabilities	1,007,961	1,004,540
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; 3,157,044 and 3,144,739 shares issued as of September 30, 2023 and June 30, 2023, respectively)	20,933	20,769
Retained earnings	67,050	65,485
Treasury stock, at cost (48,639 and 48,639 common shares as of September 30, 2023 and June 30, 2023, respectively)	(747)	(809)
Accumulated other comprehensive loss	(37,681)	(29,961)
Total shareholders’ equity	49,555	55,484
Total liabilities and shareholders’ equity	$ 1,057,516	$ 1,060,024