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

3 Months Ended

Sep. 30, 2025

Notes Tables

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

	September 30, 2025			June 30, 2025
Commercial & Industrial	$	117,508		$	113,513
Commercial real estate:
Owner occupied		166,400			162,674
Non-owner occupied		164,452			163,768
Farmland		44,984			42,050
Land Development		17,022			17,535
1 – 4 family residential real estate		206,741			201,602
Consumer		117,775			112,316
Total loans		834,882			813,458
Allowance for credit losses		(8,709	)		(8,470	)
Net Loans	$	826,173		$	804,988

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	$	1,249	$	3,446	$	118	$	266		$	2,010	$	1,381		$	8,470
Provision for expected credit losses		54		91		1		(3	)		28		149			320
Charge-offs		—		—		—		—			—		(123	)		(123	)
Recoveries		—		—		—		—			—		42			42
ACL ending balance	$	1,303	$	3,537	$	119	$	263		$	2,038	$	1,449		$	8,709

											1-4 Family
	Commercial			Commercial							Residential
	&			Real					Land		Real
	Industrial			Estate		Farmland			Development		Estate			Consumer			Total
ACL beginning balance	$	1,144		$	3,650	$	89		$	174	$	2,018		$	855		$	7,930
Provision for expected credit losses		(57	)		28		(2	)		9		(1	)		100			77
Charge-offs		—			—		—			—		—			(126	)		(126	)
Recoveries		1			—		—			—		1			65			67
ACL ending balance	$	1,088		$	3,678	$	87		$	183	$	2,018		$	894		$	7,948

Financing Receivable, Nonaccrual [Table Text Block]

	September 30, 2025				Three months ended September 30, 2025
					Interest income
	Non-accrual		Total		recognized during
	loans with		Non-accrual		the period on
	no ACL		Loans		non-accrual loans
Commercial & Industrial	$	332	$	332	$	—
1 – 4 family residential real estate		412		570		2
Total	$	744	$	902	$	2

	June 30, 2025					Three months ended September 30, 2024
					Interest Income
	Non-accrual		Total		recognized during
	loans with		Non-accrual		the period on
	no ACL		loans		non-accrual loans
Commercial & Industrial	$	332	$	332	$	—
Commercial real estate:
Owner occupied		—		—		6
1 – 4 family residential real estate		440		598		—
Total	$	772	$	930	$	6

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	$	—	$	82	$	332	$	414	$	117,094	$	117,508	$	—
Commercial real estate:
Owner occupied		—		—		—		—		166,400		166,400		—
Non-owner occupied		—		—		—		—		164,452		164,452		—
Farmland		—		—		—		—		44,984		44,984		—
Land development		—		—		—		—		17,022		17,022		—
1 – 4 family residential real estate		7		487		470		964		205,777		206,741		—
Consumer		288		104		62		454		117,321		117,775		62
Total	$	295	$	673	$	864	$	1,832	$	833,050	$	834,882	$	62

													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	$	77	$	48	$	332	$	457	$	113,056	$	113,513	$	—
Commercial real estate:
Owner occupied		—		—		—		—		162,674		162,674		—
Non-owner occupied		—		—		—		—		163,768		163,768		—
Farmland		—		—		—		—		42,050		42,050		—
Land development		—		—		—		—		17,535		17,535		—
1 – 4 family residential real estate		57		161		374		592		201,010		201,602		—
Consumer		245		33		101		379		111,937		112,316		101
Total	$	379	$	242	$	807	$	1,428	$	812,030	$	813,458	$	101

Financing Receivable Credit Quality Indicators [Table Text Block]

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2026		2025		2024		2023		2022		Prior		Cost Basis		To Term		Total
Commercial & Industrial
Pass	$	8,631	$	32,252	$	12,539	$	15,779	$	15,230	$	8,397	$	22,957	$	90	$	115,875
Special Mention		—		—		141		65		141		486		800		—		1,633
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Commercial & Industrial	$	8,631	$	32,252	$	12,680	$	15,844	$	15,371	$	8,883	$	23,757	$	90	$	117,508
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Owner occupied:
Pass	$	4,283	$	13,819	$	16,134	$	21,054	$	26,010	$	66,397	$	5,647	$	—	$	153,344
Special Mention		—		2,309		7,537		—		—		2,975		160		—		12,981
Substandard		—		—		—		—		—		75		—		—		75
Doubtful		—		—		—		—		—		—		—		—		—
Total owner occupied	$	4,283	$	16,128	$	23,671	$	21,054	$	26,010	$	69,447	$	5,807	$	—	$	166,400
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Non-owner occupied:
Pass	$	8,032	$	27,008	$	10,903	$	35,459	$	18,467	$	63,003	$	1,580	$	—	$	164,452
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total non-owner occupied	$	8,032	$	27,008	$	10,903	$	35,459	$	18,467	$	63,003	$	1,580	$	—	$	164,452
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Farmland:
Pass	$	746	$	8,830	$	1,756	$	5,650	$	5,597	$	20,613	$	1,670	$	122	$	44,984
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	746	$	8,830	$	1,756	$	5,650	$	5,597	$	20,613	$	1,670	$	122	$	44,984
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Land Development:
Pass	$	462	$	5,342	$	7,133	$	1,936	$	317	$	750	$	1,082	$	—	$	17,022
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Land Development	$	462	$	5,342	$	7,133	$	1,936	$	317	$	750	$	1,082	$	—	$	17,022
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total:
Pass	$	22,154	$	87,251	$	48,465	$	79,878	$	65,621	$	159,160	$	32,936	$	212	$	495,677
Special Mention		—		2,309		7,678		65		141		3,461		960		—		14,614
Substandard		—		—		—		—		—		75		—		—		75
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	22,154	$	89,560	$	56,143	$	79,943	$	65,762	$	162,696	$	33,896	$	212	$	510,366

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2026		2025		2024		2023		2022		Prior		Cost Basis		To Term		Total
1 – 4 family residential real estate:
Performing	$	7,126	$	21,816	$	17,577	$	19,030	$	26,894	$	82,529	$	31,139	$	58	$	206,169
Nonperforming		—		—		—		185		177		210		—		—		572
Total 1-4 family residential real estate	$	7,126	$	21,816	$	17,577	$	19,215	$	27,071	$	82,739	$	31,139	$	58	$	206,741
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer:
Performing	$	14,985	$	63,065	$	18,327	$	13,980	$	5,836	$	1,566	$	—	$	—	$	117,759
Nonperforming		—		—		—		—		—		16		—		—		16
Total consumer	$	14,985	$	63,065	$	18,327	$	13,980	$	5,836	$	1,582	$	—	$	—	$	117,775
Current year-to-date gross write-offs	$	5	$	4	$	16	$	49	$	38	$	11	$	—	$	—	$	123
Total:
Performing	$	22,111	$	84,881	$	35,904	$	33,010	$	32,730	$	84,095	$	31,139	$	58	$	323,928
Nonperforming		—		—		—		185		177		226		—		—		588
Total	$	22,111	$	84,881	$	35,904	$	33,195	$	32,907	$	84,321	$	31,139	$	58	$	324,516

													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	$	31,506	$	13,318	$	17,215	$	16,821	$	4,604	$	4,677	$	23,164	$	91	$	111,396
Special Mention		—		411		80		183		375		145		923		—		2,117
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Commercial & Industrial	$	31,506	$	13,729	$	17,295	$	17,004	$	4,979	$	4,822	$	24,087	$	91	$	113,513
Current year-to-date gross write-offs	$	49	$	40	$	—	$	—	$	64	$	—	$	—	$	100	$	253
Commercial real estate:
Owner occupied:
Pass	$	12,350	$	16,042	$	21,391	$	26,435	$	19,268	$	48,946	$	4,452	$	—	$	148,884
Special Mention		2,320		7,582		—		—		619		2,701		411		—		13,633
Substandard		—		—		—		—		—		157		—		—		157
Doubtful		—		—		—		—		—		—		—		—		—
Total owner occupied	$	14,670	$	23,624	$	21,391	$	26,435	$	19,887	$	51,804	$	4,863	$	—	$	162,674
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Non-owner occupied:
Pass	$	28,937	$	13,970	$	35,895	$	18,667	$	21,883	$	42,916	$	1,500	$	—	$	163,768
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total non-owner occupied	$	28,937	$	13,970	$	35,895	$	18,667	$	21,883	$	42,916	$	1,500	$	—	$	163,768
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2025		2024		2023		2022		2021		Prior		Cost Basis		To Term		Total
Farmland:
Pass	$	6,063	$	1,759	$	5,696	$	5,648	$	5,084	$	16,448	$	1,225	$	127	$	42,050
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	6,063	$	1,759	$	5,696	$	5,648	$	5,084	$	16,448	$	1,225	$	127	$	42,050
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Land Development:
Pass	$	4,922	$	7,912	$	1,950	$	324	$	332	$	494	$	1,601	$	—	$	17,535
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Land Development	$	4,922	$	7,912	$	1,950	$	324	$	332	$	494	$	1,601	$	—	$	17,535
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total:
Pass	$	83,778	$	53,001	$	82,147	$	67,895	$	51,171	$	113,481	$	31,942	$	218	$	483,633
Special Mention		2,320		7,993		80		183		994		2,846		1,334		—		15,750
Substandard		—		—		—		—		—		157		—		—		157
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	86,098	$	60,994	$	82,227	$	68,078	$	52,165	$	116,484	$	33,276	$	218	$	499,540

													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	$	20,297	$	18,547	$	19,403	$	27,391	$	45,186	$	41,453	$	28,663	$	63	$	201,003
Nonperforming		—		—		185		199		—		215		—		—		599
Total 1-4 family residential real estate	$	20,297	$	18,547	$	19,588	$	27,590	$	45,186	$	41,668	$	28,663	$	63	$	201,602
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer:
Performing	$	66,567	$	20,500	$	16,079	$	6,950	$	1,838	$	186	$	95	$	—	$	112,215
Nonperforming		—		—		72		29		—		—		—		—		101
Total consumer	$	66,567	$	20,500	$	16,151	$	6,979	$	1,838	$	186	$	95	$	—	$	112,316
Current year-to-date gross write-offs	$	49	$	26	$	199	$	251	$	19	$	2	$	—	$	—	$	546
Total:
Performing	$	86,864	$	39,047	$	35,482	$	34,341	$	47,024	$	41,639	$	28,758	$	63	$	313,218
Nonperforming		—		—		257		228		—		215		—		—		700
Total	$	86,864	$	39,047	$	35,739	$	34,569	$	47,024	$	41,854	$	28,758	$	63	$	313,918