Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Dec. 31, 2024	Jun. 30, 2024
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 20,354	$ 17,709
Federal funds sold and interest-bearing deposits in financial institutions	28	14
Total cash and cash equivalents	20,382	17,723
Securities, available-for-sale	269,905	264,802
Securities, held-to-maturity (fair value of $5,294 at December 31, 2024 and $5,530 at June 30, 2024)	5,504	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	718	908
Total loans	762,795	759,114
Less allowance for credit losses	(7,844)	(7,930)
Net loans	754,951	751,184
Cash surrender value of life insurance	13,067	10,500
Premises and equipment, net	18,625	16,927
Goodwill	2,452	2,452
Core deposit intangible, net	329	357
Accrued interest receivable and other assets	22,807	23,615
Total assets	1,111,193	1,097,089
LIABILITIES
Noninterest-bearing demand	231,345	225,087
Interest bearing demand	150,078	142,261
Savings	352,480	351,305
Time	263,755	254,327
Total deposits	997,658	972,980
Short-term borrowings	20,868	30,007
Federal Home Loan Bank advances	8,076	13,709
Accrued interest and other liabilities	15,051	16,708
Total liabilities	1,041,653	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; 3,180,572 and 3,172,227 shares issued as of December 31, 2024 and June 30, 2024, respectively)	21,521	21,178
Retained earnings	74,867	71,534
Treasury stock, at cost (48,639 common shares as of December 31, 2024 and June 30, 2024)	(583)	(695)
Accumulated other comprehensive loss	(26,265)	(28,332)
Total shareholders’ equity	69,540	63,685
Total liabilities and shareholders’ equity	$ 1,111,193	$ 1,097,089