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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2025
Dec. 31, 2024
Interest and dividend income        
Loans, including fees $ 12,556 $ 10,918 $ 24,642 $ 21,857
Securities, taxable 1,658 1,628 3,380 3,199
Securities, tax-exempt 492 439 976 880
Equity securities 8 9 17 17
Other equity securities 49 43 84 83
Federal funds sold and other interest-bearing deposits 45 178 101 333
Total interest and dividend income 14,808 13,215 29,200 26,369
Interest expense        
Deposits 4,772 4,757 9,482 9,635
Short-term borrowings 100 118 177 318
Federal Home Loan Bank advances 31 21 91 54
Total interest expense 4,903 4,896 9,750 10,007
Net interest income 9,905 8,319 19,450 16,362
Provision for credit losses on loans 175 85 495 162
Provision for credit losses on unfunded commitments 145 40 110 (5)
Net interest income after provision for credit losses 9,585 8,194 18,845 16,205
Noninterest income        
Mortgage banking activity 141 57 269 190
Bank owned life insurance income 124 100 232 192
Securities losses, net (10) 0 (7) 0
Other 218 108 337 209
Total noninterest income 1,583 1,362 3,052 2,755
Noninterest expenses        
Salaries and employee benefits 4,597 3,819 8,830 7,583
Occupancy and equipment 1,087 895 2,093 1,779
Data processing expenses 223 210 446 421
Debit card processing expenses 388 311 781 673
Professional and director fees 307 275 624 581
FDIC assessments 209 207 405 414
Franchise taxes 135 120 287 240
Marketing and advertising 202 198 453 375
Telephone and network communications 85 79 167 168
Amortization of intangible 14 14 28 28
Other 671 653 1,422 1,207
Total noninterest expenses 7,918 6,781 15,536 13,469
Income before income taxes 3,250 2,775 6,361 5,491
Income tax expense 495 488 972 968
Net income $ 2,755 $ 2,287 $ 5,389 $ 4,523
Basic and diluted earnings per share (in dollars per share) $ 0.87 $ 0.73 $ 1.71 $ 1.45
Deposit Account [Member]        
Noninterest income        
Noninterest income (in scope of Topic 606) $ 448 $ 444 $ 889 $ 894
Debit Card [Member]        
Noninterest income        
Noninterest income (in scope of Topic 606) $ 662 $ 653 $ 1,332 $ 1,270