Note 3 - Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Dec. 31, 2024

Notes Tables

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

	December 31, 2024			June 30, 2024
Commercial & Industrial	$	130,306		$	127,782
Commercial real estate:
Owner occupied		158,080			163,856
Non-owner occupied		145,595			146,827
Farmland		40,606			38,898
Land Development		12,790			12,654
1 – 4 family residential real estate		196,742			196,098
Consumer		78,663			72,915
Subtotal		762,782			759,030
Unamortized deferred loan costs, net		13			84
Allowance for credit losses		(7,844	)		(7,930	)
Net Loans	$	754,951		$	751,184

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

	Commercial			Commercial								1-4 Family
	&			Real					Land			Residential
	Industrial			Estate			Farmland		Development			Real Estate		Consumer			Total
ACL beginning balance	$	1,088		$	3,678		$	87	$	183		$	2,018	$	894		$	7,948
Provision for expected credit losses		52			(200	)		6		(5	)		67		165			85
Charge-offs		(64	)		—			—		—			—		(156	)		(220	)
Recoveries		—			—			—		—			1		30			31
ACL ending balance	$	1,076		$	3,478		$	93	$	178		$	2,086	$	933		$	7,844

	Commercial			Commercial							1-4 Family
	&			Real					Land		Residential
	Industrial			Estate			Farmland		Development		Real Estate		Consumer			Total
ACL beginning balance	$	1,144		$	3,650		$	89	$	174	$	2,018	$	855		$	7,930
Provision for expected credit losses		(5	)		(172	)		4		4		66		265			162
Charge-offs		(64	)		—			—		—		—		(282	)		(346	)
Recoveries		1			—			—		—		2		95			98
ACL ending balance	$	1,076		$	3,478		$	93	$	178	$	2,086	$	933		$	7,844

												1-4 Family
	Commercial			Commercial								Residential
	&			Real					Land			Real
	Industrial			Estate		Farmland			Development			Estate		Consumer			Total
ACL beginning balance	$	974		$	3,951	$	91		$	266		$	1,638	$	862		$	7,782
Provision for expected credit losses		(19	)		180		(2	)		(20	)		56		130			325
Charge-offs		—			—		—			—			—		(137	)		(137	)
Recoveries		—			—		—			—			2		15			17
ACL ending balance	$	955		$	4,131	$	89		$	246		$	1,696	$	870		$	7,987

	Commercial			Commercial									1-4 Family
	&			Real						Land			Residential
	Industrial			Estate			Farmland			Development			Real Estate			Consumer			Total
ACL beginning balance	$	1,308		$	3,943		$	—		$	—		$	1,571		$	902		$	7,724
Cumulative effect of change in accounting principle		(455	)		(53	)		93			398			166			(97	)		52
Provision for expected credit losses		102			241			(4	)		(152	)		(43	)		221			365
Charge-offs		—			—			—			—			—			(243	)		(243	)
Recoveries		—			—			—			—			2			87			89
ACL ending balance	$	955		$	4,131		$	89		$	246		$	1,696		$	870		$	7,987

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2024
	Non-accrual Loans with no ACL		Total Non-accrual Loans		Interest income recognized During the periods presented on non-accrual loans
					Three-month Period		Six-month Period
Commercial & Industrial	$	192	$	192	$	—	$	—
Commercial real estate:
Owner occupied		—		—		10		16
1 – 4 family residential real estate		463		621		—		—
Total	$	655	$	813	$	10	$	16

	June 30, 2024				December 31, 2023
	Non-accrual		Total		Interest Income Recognized
	loans with		Non-accrual		During the periods presented
	no ACL		loans		on non-accrual loans
					Three-month Period		Six-month Period
Commercial & Industrial	$	51	$	308	$	—	$	—
Commercial real estate:
Owner occupied		189		189		—		—
1 – 4 family residential real estate		262		277		—		—
Total	$	502	$	774	$	—	$	—

Financing Receivable, Past Due [Table Text Block]

													Loans 90
	Days Past Due												Days Past
	30 – 59		60 - 89		90 Days or		Total		Loans Not				Due and
	Days		Days		Greater		Past Due		Past Due		Total		Accruing
Commercial & Industrial	$	209	$	174	$	192	$	575	$	129,752	$	130,327	$	—
Commercial real estate:
Owner occupied		—		—		—		—		157,789		157,789		—
Non-owner occupied		—		—		—		—		145,279		145,279		—
Farmland		—		—		—		—		40,471		40,471		—
Land development		—		—		—		—		12,759		12,759		—
1 – 4 family residential real estate		584		40		621		1,245		196,509		197,754		—
Consumer		517		136		17		670		77,746		78,416		17
Total	$	1,310	$	350	$	830	$	2,490	$	760,305	$	762,795	$	17

													Loans 90
	Days Past Due												Days Past
	30 – 59		60 - 89		90 Days or		Total		Loans Not				Due and
	Days		Days		Greater		Past Due		Past Due		Total		Accruing
Commercial & Industrial	$	—	$	—	$	308	$	308	$	127,503	$	127,811	$	—
Commercial real estate:
Owner occupied		311		—		189		500		163,043		163,543		—
Non-owner occupied		—		—		—		—		146,529		146,529		—
Farmland		—		—		—		—		38,799		38,799		—
Land development		—		—		—		—		12,615		12,615		—
1 – 4 family residential real estate		294		—		158		452		196,691		197,143		68
Consumer		575		98		16		689		71,985		72,674		16
Total	$	1,180	$	98	$	671	$	1,949	$	757,165	$	759,114	$	84

Schedule of Collateral Dependent Loans by Portfolio Segment and Collateral Type [Table Text Block]

December 31, 2024:	Real Estate		Other		ACL
1 – 4 family residential real estate	$	158	$	—	$	71
Total loans	$	158	$	—	$	71

June 30, 2024:	Real Estate		Other		ACL
Commercial & Industrial	$	—	$	257	$	67
Commercial real estate:
Owner occupied		189		—		—
Total loans	$	189	$	257	$	67

Financing Receivable Credit Quality Indicators [Table Text Block]

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2025		2024		2023		2022		2021		Prior		Cost Basis		To Term		Total
Commercial & Industrial
Pass	$	8,762	$	15,256	$	20,636	$	25,213	$	5,737	$	5,789	$	47,038	$	92	$	128,523
Special Mention		—		434		59		223		289		98		536		—		1,639
Substandard		—		65		—		—		—		—		—		—		65
Doubtful		—		—		—		—		—		—		100		—		100
Total Commercial & Industrial	$	8,762	$	15,755	$	20,695	$	25,436	$	6,026	$	5,887	$	47,674	$	92	$	130,327
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	64	$	—	$	—	$	—	$	64
Commercial real estate:
Owner occupied:
Pass	$	3,159	$	12,184	$	19,394	$	27,586	$	20,295	$	52,251	$	11,663	$	130	$	146,662
Special Mention		—		7,243		—		—		633		2,851		234		—		10,961
Substandard		—		—		—		—		—		166		—		—		166
Doubtful		—		—		—		—		—		—		—		—		—
Total owner occupied	$	3,159	$	19,427	$	19,394	$	27,586	$	20,928	$	55,268	$	11,897	$	130	$	157,789
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Non-owner occupied:
Pass	$	5,207	$	14,094	$	36,502	$	21,610	$	22,605	$	44,580	$	681	$	—	$	145,279
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total non-owner occupied	$	5,207	$	14,094	$	36,502	$	21,610	$	22,605	$	44,580	$	681	$	—	$	145,279
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Farmland:
Pass	$	3,015	$	1,782	$	5,772	$	5,750	$	5,191	$	17,693	$	1,133	$	135	$	40,471
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	3,015	$	1,782	$	5,772	$	5,750	$	5,191	$	17,693	$	1,133	$	135	$	40,471
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Land Development:
Pass	$	—	$	7,087	$	1,978	$	338	$	460	$	714	$	2,182	$	—	$	12,759
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Land Development	$	—	$	7,087	$	1,978	$	338	$	460	$	714	$	2,182	$	—	$	12,759
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total:
Pass	$	20,143	$	50,403	$	84,282	$	80,497	$	54,288	$	121,027	$	62,697	$	357	$	473,694
Special Mention		—		7,677		59		223		922		2,949		770		—		12,600
Substandard		—		65		—		—		—		166		—		—		231
Doubtful		—		—		—		—		—		—		100		—		100
Total	$	20,143	$	58,145	$	84,341	$	80,720	$	55,210	$	124,142	$	63,567	$	357	$	486,625

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2025		2024		2023		2022		2021		Prior		Cost Basis		To Term		Total
1 – 4 family residential real estate:
Performing	$	9,839	$	18,124	$	20,080	$	28,372	$	52,337	$	43,892	$	24,419	$	70	$	197,133
Nonperforming		—		—		198		204		—		219		—		—		621
Total 1-4 family residential real estate	$	9,839	$	18,124	$	20,278	$	28,576	$	52,337	$	44,111	$	24,419	$	70	$	197,754
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer:
Performing	$	19,944	$	24,880	$	20,545	$	9,496	$	2,965	$	418	$	151	$	—	$	78,399
Nonperforming		—		—		17		—		—		—		—		—		17
Total consumer	$	19,944	$	24,880	$	20,562	$	9,496	$	2,965	$	418	$	151	$	—	$	78,416
Current year-to-date gross write-offs	$	14	$	23	$	88	$	152	$	3	$	2	$	—	$	—	$	282
Total:
Performing	$	29,783	$	43,004	$	40,625	$	37,868	$	55,302	$	44,310	$	24,570	$	70	$	275,532
Nonperforming		—		—		215		204		—		219		—		—		638
Total	$	29,783	$	43,004	$	40,840	$	38,072	$	55,302	$	44,529	$	24,570	$	70	$	276,170

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2024		2023		2022		2021		2020		Prior		Cost Basis		To Term		Total
Commercial & Industrial
Pass	$	43,540	$	24,263	$	28,588	$	7,370	$	3,448	$	3,954	$	14,868	$	93	$	126,124
Special Mention		151		67		569		12		—		61		755		—		1,615
Substandard		—		—		—		8		—		—		—		—		8
Doubtful		—		—		—		—		—		—		64		—		64
Total Commercial & Industrial	$	43,691	$	24,330	$	29,157	$	7,390	$	3,448	$	4,015	$	15,687	$	93	$	127,811
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	6	$	—	$	—	$	6
Commercial real estate:
Owner occupied:
Pass	$	16,207	$	20,615	$	34,572	$	21,405	$	14,877	$	41,035	$	11,684	$	—	$	160,395
Special Mention		—		—		—		650		320		1,708		151		—		2,829
Substandard		—		—		—		—		—		254		—		—		254
Doubtful		—		—		—		14		—		51		—		—		65
Total owner occupied	$	16,207	$	20,615	$	34,572	$	22,069	$	15,197	$	43,048	$	11,835	$	—	$	163,543
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Non-owner occupied:
Pass	$	16,395	$	37,241	$	22,324	$	23,564	$	11,616	$	34,570	$	819	$	—	$	146,529
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total non-owner occupied	$	16,395	$	37,241	$	22,324	$	23,564	$	11,616	$	34,570	$	819	$	—	$	146,529
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2024		2023		2022		2021		2020		Prior		Cost Basis		To Term		Total
Farmland:
Pass	$	1,543	$	5,854	$	5,867	$	5,309	$	2,280	$	16,591	$	1,201	$	143	$	38,788
Special Mention		—		—		—		—		—		11		—		—		11
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	1,543	$	5,854	$	5,867	$	5,309	$	2,280	$	16,602	$	1,201	$	143	$	38,799
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Land Development:
Pass	$	4,449	$	2,005	$	353	$	512	$	285	$	504	$	4,507	$	—	$	12,615
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Land Development	$	4,449	$	2,005	$	353	$	512	$	285	$	504	$	4,507	$	—	$	12,615
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total:
Pass	$	82,134	$	89,978	$	91,704	$	58,160	$	32,506	$	96,654	$	33,079	$	236	$	484,451
Special Mention		151		67		569		662		320		1,780		906		—		4,455
Substandard		—		—		—		8		—		254		—		—		262
Doubtful		—		—		—		14		—		51		64		—		129
Total	$	82,285	$	90,045	$	92,273	$	58,844	$	32,826	$	98,739	$	34,049	$	236	$	489,297

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2024		2023		2022		2021		2020		Prior		Cost Basis		To Term		Total
1 – 4 family residential real estate:
Performing	$	16,675	$	23,451	$	29,857	$	54,816	$	18,891	$	28,792	$	24,235	$	81	$	196,798
Nonperforming		—		—		277		—		—		68		—		—		345
Total 1-4 family residential real estate	$	16,675	$	23,451	$	30,134	$	54,816	$	18,891	$	28,860	$	24,235	$	81	$	197,143
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer:
Performing	$	29,800	$	25,179	$	12,422	$	4,241	$	586	$	236	$	194	$	—	$	72,658
Nonperforming		8		—		8		—		—		—		—		—		16
Total consumer	$	29,808	$	25,179	$	12,430	$	4,241	$	586	$	236	$	194	$	—	$	72,674
Current year-to-date gross write-offs	$	63	$	140	$	265	$	56	$	35	$	1	$	—	$	—	$	560
Total:
Performing	$	46,475	$	48,630	$	42,279	$	59,057	$	19,477	$	29,028	$	24,429	$	81	$	269,456
Nonperforming		8		—		285		—		—		68		—		—		361
Total	$	46,483	$	48,630	$	42,564	$	59,057	$	19,477	$	29,096	$	24,429	$	81	$	269,817