Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 20,296	$ 17,709
Federal funds sold and interest-bearing deposits in financial institutions	6,629	14
Total cash and cash equivalents	26,925	17,723
Securities, available-for-sale	272,757	264,802
Securities, held-to-maturity (fair value of $5,625 at September 30, 2024 and $5,530 at June 30, 2024)	5,948	6,054
Equity securities, at fair value	381	381
Federal bank and other restricted stocks, at cost	2,072	2,186
Loans held for sale	2,240	908
Total loans	766,473	759,114
Less allowance for credit losses	(7,948)	(7,930)
Net loans	758,525	751,184
Cash surrender value of life insurance	12,967	10,500
Premises and equipment, net	17,631	16,927
Goodwill	2,452	2,452
Core deposit intangible, net	343	357
Accrued interest receivable and other assets	21,612	23,615
Total assets	1,123,853	1,097,089
LIABILITIES
Noninterest-bearing demand	238,543	225,087
Interest bearing demand	142,459	142,261
Savings	354,272	351,305
Time	263,618	254,327
Total deposits	998,892	972,980
Short-term borrowings	27,101	30,007
Federal Home Loan Bank advances	8,087	13,709
Accrued interest and other liabilities	16,472	16,708
Total liabilities	1,050,552	1,033,404
Commitments and contingent liabilities	0	0
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)	21,350	21,178
Retained earnings	73,176	71,534
Treasury stock, at cost (48,639 common shares as of March 31, 2024 and June 30, 2023)	(644)	(695)
Accumulated other comprehensive loss	(20,581)	(28,332)
Total shareholders’ equity	73,301	63,685
Total liabilities and shareholders’ equity	$ 1,123,853	$ 1,097,089