XML 14 R4.htm IDEA: XBRL DOCUMENT v3.25.3
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Interest and dividend income    
Loans, including fees $ 12,086 $ 10,939
Securities, taxable 1,722 1,571
Securities, tax-exempt 484 441
Equity securities 9 8
Federal bank and other restricted stocks 35 40
Federal funds sold and other interest-bearing deposits 56 155
Total interest and dividend income 14,392 13,154
Interest expense    
Deposits 4,710 4,878
Short-term borrowings 77 200
Federal Home Loan Bank advances 60 33
Total interest expense 4,847 5,111
Net interest income 9,545 8,043
Provision for credit losses on loans 320 77
Provision for credit losses on unfunded commitments (35) (45)
Net interest income after provision for credit losses 9,260 8,011
Noninterest income    
Mortgage banking activity 128 133
Bank owned life insurance income 108 92
Securities losses, net 3 0
Other 119 101
Total noninterest income 1,469 1,393
Noninterest expenses    
Salaries and employee benefits 4,233 3,764
Occupancy and equipment 1,006 884
Data processing expenses 223 211
Debit card processing expenses 393 362
Professional and director fees 317 306
FDIC assessments 196 207
Franchise taxes 152 120
Marketing and advertising 251 177
Telephone and network communications 82 89
Amortization of intangible 14 14
Other 751 554
Total noninterest expenses 7,618 6,688
Income before income taxes 3,111 2,716
Income tax expense 477 480
Net income $ 2,634 $ 2,236
Basic and diluted earnings per share (in dollars per share) $ 0.84 $ 0.72
Deposit Account [Member]    
Noninterest income    
Noninterest income (in scope of Topic 606) $ 441 $ 450
Debit Card [Member]    
Noninterest income    
Noninterest income (in scope of Topic 606) $ 670 $ 617