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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Interest and dividend income        
Loans, including fees $ 12,691 $ 10,550 $ 37,333 $ 32,407
Securities, taxable 1,577 1,740 4,957 4,939
Securities, tax-exempt 523 442 1,499 1,322
Equity securities 0 8 17 25
Other equity securities 35 40 119 123
Federal funds sold and other interest-bearing deposits 80 128 181 461
Total interest and dividend income 14,906 12,908 44,106 39,277
Interest expense        
Deposits 4,735 4,305 14,217 13,940
Short-term borrowings 88 65 265 383
Federal Home Loan Bank advances 17 19 108 73
Total interest expense 4,840 4,389 14,590 14,396
Net interest income 10,066 8,519 29,516 24,881
Provision for credit losses on loans 160 495 655 657
Provision for credit losses on unfunded commitments 50 15 160 10
Net interest income after provision for credit losses 9,856 8,009 28,701 24,214
Noninterest income        
Mortgage banking activity 95 72 364 262
Bank owned life insurance income 121 97 353 289
Securities losses, net 0 0 (7) 0
Other 146 107 483 316
Total noninterest income 1,432 1,278 4,484 4,033
Noninterest expenses        
Salaries and employee benefits 4,481 3,976 13,311 11,559
Occupancy and equipment 1,118 968 3,211 2,747
Data processing expenses 247 220 693 641
Debit card processing expenses 372 359 1,153 1,032
Professional and director fees 302 277 926 858
FDIC assessments 211 182 616 596
Franchise taxes 165 132 452 372
Marketing and advertising 245 234 698 609
Telephone and network communications 84 77 251 245
Amortization of intangible 14 14 42 42
Other 708 723 2,130 1,930
Total noninterest expenses 7,947 7,162 23,483 20,631
Income before income taxes 3,341 2,125 9,702 7,616
Income tax expense 524 274 1,496 1,242
Net income $ 2,817 $ 1,851 $ 8,206 $ 6,374
Basic and diluted earnings per share (in dollars per share) $ 0.9 $ 0.59 $ 2.61 $ 2.04
Deposit Account [Member]        
Noninterest income        
Noninterest income (in scope of Topic 606) $ 423 $ 416 $ 1,312 $ 1,310
Debit Card [Member]        
Noninterest income        
Noninterest income (in scope of Topic 606) $ 647 $ 586 $ 1,979 $ 1,856