Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2025	Jun. 30, 2025
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 17,677	$ 19,377
Federal funds sold and interest-bearing deposits in financial institutions	8,991	531
Total cash and cash equivalents	26,668	19,908
Securities, available-for-sale	268,900	273,875
Securities, held-to-maturity (fair value of $5,011 at September 30, 2025 and $5,026 at June 30, 2025)	5,058	5,167
Equity securities, at fair value	392	392
Federal bank and other restricted stocks, at cost	1,980	2,669
Loans held for sale	476	814
Total loans	834,882	813,458
Less allowance for credit losses	(8,709)	(8,470)
Net loans	826,173	804,988
Cash surrender value of life insurance	15,294	13,266
Premises and equipment, net	18,900	18,688
Goodwill	2,452	2,452
Core deposit intangible, net	287	301
Accrued interest receivable and other assets	21,402	22,488
Total assets	1,187,982	1,165,008
LIABILITIES
Noninterest-bearing demand	247,063	239,692
Interest bearing demand	161,003	153,571
Savings	396,889	379,091
Time	264,688	264,464
Total deposits	1,069,643	1,036,818
Short-term borrowings	19,800	15,511
Federal Home Loan Bank advances	4,038	22,551
Accrued interest and other liabilities	12,879	13,857
Total liabilities	1,106,360	1,088,737
Commitments and contingent liabilities	0	0
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 3,193,414 shares issued as of September 30, 2025 and June 30, 2025, respectively)	21,669	21,590
Retained earnings	79,791	77,818
Treasury stock, at cost (48,639 common shares as of September 30, 2025 and June 30, 2025)	(583)	(583)
Accumulated other comprehensive loss	(19,255)	(22,554)
Total shareholders’ equity	81,622	76,271
Total liabilities and shareholders’ equity	$ 1,187,982	$ 1,165,008