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

6 Months Ended

Dec. 31, 2025

Notes Tables

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

	December 31, 2025			June 30, 2025
Commercial & Industrial	$	139,162		$	113,513
Commercial real estate:
Owner occupied		166,362			162,674
Non-owner occupied		176,397			163,768
Farmland		46,315			42,050
Land Development		16,017			17,535
1 – 4 family residential real estate		208,667			201,602
Consumer		119,472			112,316
Total loans		872,392			813,458
Allowance for credit losses		(8,777	)		(8,470	)
Net Loans	$	863,615		$	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	$	1,303		$	3,537	$	119	$	263		$	2,038		$	1,449		$	8,709
Provision for expected credit losses		3			113		10		(21	)		(25	)		95			175
Charge-offs		(7	)		—		—		—			—			(133	)		(140	)
Recoveries		—			—		—		—			—			33			33
ACL ending balance	$	1,299		$	3,650	$	129	$	242		$	2,013		$	1,444		$	8,777

	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		57			204		11		(24	)		3		244			495
Charge-offs		(7	)		—		—		—			—		(256	)		(263	)
Recoveries		—			—		—		—			—		75			75
ACL ending balance	$	1,299		$	3,650	$	129	$	242		$	2,013	$	1,444		$	8,777

												1-4 Family
	Commercial			Commercial								Residential
	&			Real					Land			Real
	Industrial			Estate			Farmland		Development			Estate		Consumer			Total
ACL beginning balance	$	1,088		$	3,678		$	87	$	183		$	2,018	$	894		$	7,948
Provision for expected credit losses		52			(200	)		6		(5	)		67		165			85
Charge-offs		(64	)		—			—		—			—		(156	)		(220	)
Recoveries		—			—			—		—			1		30			31
ACL ending balance	$	1,076		$	3,478		$	93	$	178		$	2,086	$	933		$	7,844

											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		(5	)		(172	)		4		4		66		265			162
Charge-offs		(64	)		—			—		—		—		(282	)		(346	)
Recoveries		1			—			—		—		2		95			98
ACL ending balance	$	1,076		$	3,478		$	93	$	178	$	2,086	$	933		$	7,844

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2025
	Non-accrual		Total		Interest income recognized
	loans with		Non-accrual		During the periods presented
	no ACL		Loans		on non-accrual loans
					Three-month Period		Six-month Period
Commercial & Industrial	$	332	$	332	$	—	$	—
1 – 4 family residential real estate		563		563		—		2
Total	$	895	$	895	$	—	$	2

	June 30, 2025				December 31, 2024
	Non-accrual		Total		Interest Income Recognized
	loans with		Non-accrual		During the periods presented
	no ACL		loans		on non-accrual loans
					Three-month Period		Six-month Period
Commercial & Industrial	$	332	$	332	$	—	$	—
Commercial real estate:
Owner occupied		—		—		10		16
1 – 4 family residential real estate		440		598		—		—
Total	$	772	$	930	$	10	$	16

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	$	—	$	—	$	332	$	332	$	138,830	$	139,162	$	—
Commercial real estate:
Owner occupied		—		—		—		—		166,362		166,362		—
Non-owner occupied		—		—		—		—		176,397		176,397		—
Farmland		—		—		—		—		46,315		46,315		—
Land development		—		—		—		—		16,017		16,017		—
1 – 4 family residential real estate		917		329		496		1,742		206,925		208,667		—
Consumer		184		52		74		310		119,162		119,472		74
Total	$	1,101	$	381	$	902	$	2,384	$	870,008	$	872,392	$	74

													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	$	18,944	$	30,170	$	11,330	$	14,198	$	13,726	$	7,427	$	41,700	$	90	$	137,585
Special Mention		—		—		—		4		—		391		729		—		1,124
Substandard		—		—		—		—		—		—		200		—		200
Doubtful		—		—		43		—		129		81		—		—		253
Total Commercial & Industrial	$	18,944	$	30,170	$	11,373	$	14,202	$	13,855	$	7,899	$	42,629	$	90	$	139,162
Current year-to-date gross write-offs	$	—	$	7	$	—	$	—	$	—	$	—	$	—	$	—	$	7
Commercial real estate:
Owner occupied:
Pass	$	8,830	$	13,917	$	15,454	$	20,794	$	25,490	$	64,590	$	4,802	$	—	$	153,877
Special Mention		—		2,296		1,613		—		—		443		8		—		4,360
Substandard		—		—		5,880		—		—		2,010		235		—		8,125
Doubtful		—		—		—		—		—		—		—		—		—
Total owner occupied	$	8,830	$	16,213	$	22,947	$	20,794	$	25,490	$	67,043	$	5,045	$	—	$	166,362
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Non-owner occupied:
Pass	$	23,530	$	25,273	$	10,502	$	35,427	$	18,266	$	61,946	$	1,453	$	—	$	176,397
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total non-owner occupied	$	23,530	$	25,273	$	10,502	$	35,427	$	18,266	$	61,946	$	1,453	$	—	$	176,397
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Farmland:
Pass	$	2,534	$	9,473	$	1,751	$	5,616	$	5,099	$	20,235	$	1,489	$	118	$	46,315
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Farmland	$	2,534	$	9,473	$	1,751	$	5,616	$	5,099	$	20,235	$	1,489	$	118	$	46,315
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

													Revolving		Revolving
													Loans		Loans
	Term Loans by Fiscal Year of Origination												Amortized		Converted
	2026		2025		2024		2023		2022		Prior		Cost Basis		To Term		Total
Land Development:
Pass	$	643	$	5,482	$	6,380	$	1,921	$	310	$	727	$	554	$	—	$	16,017
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total Land Development	$	643	$	5,482	$	6,380	$	1,921	$	310	$	727	$	554	$	—	$	16,017
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total:
Pass	$	54,481	$	84,315	$	45,417	$	77,956	$	62,891	$	154,925	$	49,998	$	208	$	530,191
Special Mention		—		2,296		1,613		4		—		834		737		—		5,484
Substandard		—		—		5,880		—		—		2,010		435		—		8,325
Doubtful		—		—		43		—		129		81		—		—		253
Total	$	54,481	$	86,611	$	52,953	$	77,960	$	63,020	$	157,850	$	51,170	$	208	$	544,253

													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	$	12,360	$	22,775	$	17,314	$	18,686	$	26,477	$	80,378	$	30,114	$	—	$	208,104
Nonperforming		—		—		—		183		175		205		—		—		563
Total 1-4 family residential real estate	$	12,360	$	22,775	$	17,314	$	18,869	$	26,652	$	80,583	$	30,114	$	—	$	208,667
Current year-to-date gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer:
Performing	$	28,246	$	56,687	$	16,386	$	12,074	$	4,797	$	1,199	$	7	$	—	$	119,396
Nonperforming		—		56		—		—		—		20		—		—		76
Total consumer	$	28,246	$	56,743	$	16,386	$	12,074	$	4,797	$	1,219	$	7	$	—	$	119,472
Current year-to-date gross write-offs	$	11	$	4	$	16	$	105	$	96	$	24	$	—	$	—	$	256
Total:
Performing	$	40,606	$	79,462	$	33,700	$	30,760	$	31,274	$	81,577	$	30,121	$	—	$	327,500
Nonperforming		—		56		—		183		175		225		—		—		639
Total	$	40,606	$	79,518	$	33,700	$	30,943	$	31,449	$	81,802	$	30,121	$	—	$	328,139

													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	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
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