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

9 Months Ended

Mar. 31, 2025

Notes Tables

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

	March 31, 2025			June 30, 2024
Commercial & Industrial	$	98,918		$	127,782
Commercial real estate:
Owner occupied		159,116			163,856
Non-owner occupied		159,204			146,827
Farmland		41,158			38,898
Land Development		12,752			12,654
1 – 4 family residential real estate		199,215			196,098
Consumer		97,557			72,915
Subtotal		767,920			759,030
Unamortized deferred loan fees and costs, net		(91	)		84
Allowance for credit losses		(8,047	)		(7,930	)
Net Loans	$	759,782		$	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	$	1,076		$	3,478		$	93	$	178	$	2,086		$	933		$	7,844
Provision for expected credit losses		359			(170	)		12		20		(92	)		366			495
Charge-offs		(186	)		—			—		—		—			(167	)		(353	)
Recoveries		—			—			—		—		—			61			61
ACL ending balance	$	1,249		$	3,308		$	105	$	198	$	1,994		$	1,193		$	8,047

	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		354			(342	)		16		24		(26	)		631			657
Charge-offs		(250	)		—			—		—		—			(449	)		(699	)
Recoveries		1			—			—		—		2			156			159
ACL ending balance	$	1,249		$	3,308		$	105	$	198	$	1,994		$	1,193		$	8,047

											1-4 Family
	Commercial		Commercial								Residential
	&		Real					Land			Real
	Industrial		Estate			Farmland		Development			Estate		Consumer			Total
ACL beginning balance	$	955	$	4,131		$	89	$	246		$	1,696	$	870		$	7,987
Provision for expected credit losses		122		(381	)		1		(78	)		276		75			15
Charge-offs		—		—			—		—			—		(138	)		(138	)
Recoveries		—		—			—		—			1		46			47
ACL ending balance	$	1,077	$	3,750		$	90	$	168		$	1,973	$	853		$	7,911

	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		224			(140	)		(3	)		(230	)		233		296			380
Charge-offs		—			—			—			—			—		(381	)		(381	)
Recoveries		—			—			—			—			3		133			136
ACL ending balance	$	1,077		$	3,750		$	90		$	168		$	1,973	$	853		$	7,911

Financing Receivable, Nonaccrual [Table Text Block]

	March 31, 2025
	Non-accrual		Total		Interest income recognized
	loans with		Non-accrual		During the periods presented
	no ACL		Loans		on non-accrual loans
					Three-month Period		Nine-month Period
Commercial & Industrial	$	327	$	327	$	—	$	—
Commercial real estate:
Owner occupied		—		—		—		16
1 – 4 family residential real estate		450		608		—		—
Total	$	777	$	935	$	—	$	16

	June 30, 2024				March 31, 2024
	Non-accrual		Total		Interest Income Recognized
	loans with		Non-accrual		During the periods presented
	no ACL		loans		on non-accrual loans
					Three-month Period		Nine-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	$	132	$	—	$	335	$	467	$	98,474	$	98,941	$	8
Commercial real estate:
Owner occupied		564		—		—		564		158,261		158,825		—
Non-owner occupied		—		—		—		—		158,839		158,839		—
Farmland		—		—		—		—		41,020		41,020		—
Land development		—		—		—		—		12,724		12,724		—
1 – 4 family residential real estate		879		31		380		1,290		198,963		200,253		—
Consumer		238		92		9		339		96,888		97,227		9
Total	$	1,813	$	123	$	724	$	2,660	$	765,169	$	767,829	$	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]

March 31, 2025:	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	$	18,405	$	14,259	$	18,795	$	18,345	$	5,226	$	5,429	$	17,125	$	91	$	97,675
Special Mention		—		410		55		212		280		85		216		—		1,258
Substandard		—		8		—		—		—		—		—		—		8
Doubtful		—		—		—		—		—		—		—		—		—
Total Commercial & Industrial	$	18,405	$	14,677	$	18,850	$	18,557	$	5,506	$	5,514	$	17,341	$	91	$	98,941
Current year-to-date gross write-offs	$	49	$	37	$	—	$	—	$	64	$	—	$	—	$	100	$	250
Commercial real estate:
Owner occupied:
Pass	$	7,599	$	11,862	$	21,620	$	27,051	$	19,708	$	50,725	$	8,701	$	124	$	147,390
Special Mention		—		7,595		—		—		626		2,681		372		—		11,274
Substandard		—		—		—		—		—		161		—		—		161
Doubtful		—		—		—		—		—		—		—		—		—
Total owner occupied	$	7,599	$	19,457	$	21,620	$	27,051	$	20,334	$	53,567	$	9,073	$	124	$	158,825
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Non-owner occupied:
Pass	$	22,307	$	14,018	$	36,143	$	18,863	$	22,267	$	43,865	$	1,376	$	—	$	158,839
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total non-owner occupied	$	22,307	$	14,018	$	36,143	$	18,863	$	22,267	$	43,865	$	1,376	$	—	$	158,839
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Farmland:
Pass	$	5,025	$	1,761	$	5,724	$	5,697	$	5,140	$	16,809	$	733	$	131	$	41,020
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	5,025	$	1,761	$	5,724	$	5,697	$	5,140	$	16,809	$	733	$	131	$	41,020
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Land Development:
Pass	$	—	$	7,106	$	1,964	$	331	$	451	$	678	$	2,194	$	—	$	12,724
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Land Development	$	—	$	7,106	$	1,964	$	331	$	451	$	678	$	2,194	$	—	$	12,724
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total:
Pass	$	53,336	$	49,006	$	84,246	$	70,287	$	52,792	$	117,506	$	30,129	$	346	$	457,648
Special Mention		—		8,005		55		212		906		2,766		588		—		12,532
Substandard		—		8		—		—		—		161		—		—		169
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	53,336	$	57,019	$	84,301	$	70,499	$	53,698	$	120,433	$	30,717	$	346	$	470,349

													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	$	11,970	$	19,431	$	19,817	$	27,839	$	51,121	$	42,824	$	26,577	$	66	$	199,645
Nonperforming		—		—		187		201		—		220		—		—		608
Total 1-4 family residential real estate	$	11,970	$	19,431	$	20,004	$	28,040	$	51,121	$	43,044	$	26,577	$	66	$	200,253
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer:
Performing	$	45,496	$	22,618	$	18,293	$	8,115	$	2,316	$	286	$	94	$	—	$	97,218
Nonperforming		—		—		5		4		—		—		—		—		9
Total consumer	$	45,496	$	22,618	$	18,298	$	8,119	$	2,316	$	286	$	94	$	—	$	97,227
Current year-to-date gross write-offs	$	25	$	26	$	160	$	220	$	16	$	2	$	—	$	—	$	449
Total:
Performing	$	57,466	$	42,049	$	38,110	$	35,954	$	53,437	$	43,110	$	26,671	$	66	$	296,863
Nonperforming		—		—		192		205		—		220		—		—		617
Total	$	57,466	$	42,049	$	38,302	$	36,159	$	53,437	$	43,330	$	26,671	$	66	$	297,480

													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