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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
9 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Cash flows from operating activities    
Net cash from operating activities $ 6,394,000 $ 7,732,000
Cash flow from investing activities    
Purchases of securities, available-for-sale (32,890,000) (8,970,000)
Maturities, calls and principal pay downs of securities, available-for-sale 29,260,000 16,452,000
Sale of securities, available-for-sale 0 8,092,000
Principal pay downs of securities, held-to-maturity 550,000 542,000
Net decrease in certificates of deposit in other financial institutions 0 1,753,000
Net change in Federal Home Loan Bank stock, at cost 114,000 (230,000)
Net increase in loans (9,332,000) (32,519,000)
Purchase of bank owned life insurance (2,375,000) 0
Premises and equipment purchases (2,747,000) (811,000)
Net cash used in investing activities (17,420,000) (15,691,000)
Cash flow from financing activities    
Net increase (decrease) in deposit accounts 52,529,000 22,597,000
Net change in short-term borrowings (13,509,000) 2,598,000
Proceeds from Federal Home Loan Bank advances 0 18,300
Repayments of Federal Home Loan Bank advances (9,644,000) (18,954,000)
Proceeds from dividend reinvestment and stock purchase plan 147,000 196,000
Dividends paid (1,785,000) (1,684,000)
Net cash from financing activities 27,738,000 23,053,000
Increase in cash or cash equivalents 16,712,000 15,094,000
Cash and cash equivalents, beginning of period 17,723,000 11,755,000
Cash and cash equivalents, end of period 34,435,000 26,849,000
Supplemental disclosure of cash flow information:    
Interest 14,558,000 11,823,000
Federal income taxes 1,330,000 1,575,000
Non-cash items:    
Transfer from loans to repossessed assets 76,000 51,000
Issuance of treasury stock for vested restricted stock awards $ 164,000 $ 195,000