Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 16,052	$ 11,734
Federal funds sold and interest-bearing deposits in financial institutions	10,797	21
Total cash and cash equivalents	26,849	11,755
Certificates of deposit in other financial institutions	748	2,501
Securities, available-for-sale	265,646	279,605
Securities, held-to-maturity (fair value of $5,841 at March 31, 2024 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	2,398	2,168
Loans held for sale	45	764
Total loans	742,584	710,362
Less allowance for credit losses	(7,911)	(7,724)
Net loans	734,673	702,638
Cash surrender value of life insurance	10,430	10,222
Premises and equipment, net	17,072	17,182
Goodwill	2,452	2,452
Core deposit intangible, net	372	414
Other real estate owned and repossessed assets	175	124
Accrued interest receivable and other assets	23,213	22,843
Total assets	1,090,887	1,060,024
LIABILITIES
Noninterest-bearing demand	228,057	250,906
Interest bearing demand	148,636	152,053
Savings	340,232	335,231
Time	258,205	214,343
Total deposits	975,130	952,533
Short-term borrowings	28,965	26,367
Federal Home Loan Bank advances	8,122	8,776
Accrued interest and other liabilities	16,573	16,864
Total liabilities	1,028,790	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; 3,164,883 and 3,144,739 shares issued as of March 31, 2024 and June 30, 2023, respectively)	21,091	20,769
Retained earnings	69,993	65,485
Treasury stock, at cost (48,639 common shares as of March 31, 2024 and June 30, 2023)	(695)	(809)
Accumulated other comprehensive loss	(28,292)	(29,961)
Total shareholders’ equity	62,097	55,484
Total liabilities and shareholders’ equity	$ 1,090,887	$ 1,060,024