Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2025	Jun. 30, 2024
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 19,874	$ 17,709
Federal funds sold and interest-bearing deposits in financial institutions	14,561	14
Total cash and cash equivalents	34,435	17,723
Securities, available-for-sale	274,256	264,802
Securities, held-to-maturity (fair value of $5,270 at March 31, 2025 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	242	908
Total loans	767,829	759,114
Less allowance for credit losses	(8,047)	(7,930)
Net loans	759,782	751,184
Cash surrender value of life insurance	13,164	10,500
Premises and equipment, net	18,738	16,927
Goodwill	2,452	2,452
Core deposit intangible, net	315	357
Other real estate owned and repossessed assets	76	0
Accrued interest receivable and other assets	22,352	23,615
Total assets	1,133,769	1,097,089
LIABILITIES
Noninterest-bearing demand	237,557	225,087
Interest bearing demand	165,156	142,261
Savings	366,665	351,305
Time	256,131	254,327
Total deposits	1,025,509	972,980
Short-term borrowings	16,498	30,007
Federal Home Loan Bank advances	4,065	13,709
Accrued interest and other liabilities	14,240	16,708
Total liabilities	1,060,312	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 March 31, 2025 and June 30, 2024, respectively)	21,591	21,178
Retained earnings	76,123	71,534
Treasury stock, at cost (48,639 common shares as of March 31, 2025 and June 30, 2024)	(583)	(695)
Accumulated other comprehensive loss	(23,674)	(28,332)
Total shareholders’ equity	73,457	63,685
Total liabilities and shareholders’ equity	$ 1,133,769	$ 1,097,089