Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Dec. 31, 2023	Jun. 30, 2023
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 12,526	$ 11,734
Federal funds sold and interest-bearing deposits in financial institutions	259	21
Total cash and cash equivalents	12,785	11,755
Certificates of deposit in other financial institutions	2,237	2,501
Securities, available-for-sale	276,133	279,605
Securities, held-to-maturity (fair value of $5,900 at December 31, 2023 and $6,294 at June 30, 2023)	6,428	6,970
Equity securities, at fair value	386	386
Federal bank and other restricted stocks, at cost	2,724	2,168
Loans held for sale	997	764
Total loans	735,227	710,362
Less allowance for credit losses	(7,987)	(7,724)
Net loans	727,240	702,638
Cash surrender value of life insurance	10,360	10,222
Premises and equipment, net	17,093	17,182
Goodwill	2,452	2,452
Core deposit intangible, net	386	414
Other real estate owned and repossessed assets	124	124
Accrued interest receivable and other assets	21,999	22,843
Total assets	1,081,344	1,060,024
LIABILITIES
Noninterest-bearing demand	222,671	250,906
Interest bearing demand	140,003	152,053
Savings	331,502	335,231
Time	254,372	214,343
Total deposits	948,548	952,533
Short-term borrowings	25,390	26,367
Federal Home Loan Bank advances	26,434	8,776
Accrued interest and other liabilities	17,462	16,864
Total liabilities	1,017,834	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; 3,161,203 and 3,144,739 shares issued as of December 31, 2023 and June 30, 2023, respectively)	21,014	20,769
Retained earnings	68,504	65,485
Treasury stock, at cost (48,639 common shares as of December 31, 2023 and June 30, 2023)	(695)	(809)
Accumulated other comprehensive loss	(25,313)	(29,961)
Total shareholders’ equity	63,510	55,484
Total liabilities and shareholders’ equity	$ 1,081,344	$ 1,060,024