Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2023		Jun. 30, 2023
ASSETS
Cash and due from banks	$ 12,147		$ 15,305
Interest-bearing deposits	163,933		181,140
Total cash and cash equivalents	176,080		196,445
Long-term certificates of deposit	3,822		4,576
Securities available-for-sale, at fair value	307,809		281,133
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $485 at December 31, 2023	700,853		726,363
Equity securities, at fair value	325		306
Federal Home Loan Bank stock, at cost	7,654		1,682
Loans receivable	1,457,175	[1],[2]	1,408,866
Allowance for credit losses on loans	(20,309)		(21,212)
Net loans receivable	1,436,866		1,387,654
Premises and equipment, net	15,232		15,028
Bank-owned life insurance	56,003		55,063
Accrued interest receivable	14,499		12,249
Foreclosed real estate	302		302
Prepaid expenses and other assets	17,243		17,482
Total assets	2,736,688		2,698,283
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	137,424		159,039
Interest-bearing deposits	2,197,413		2,278,122
Total deposits	2,334,837		2,437,161
Borrowings from Federal Home Loan Bank, short-term	125,000		0
Borrowings from Federal Home Loan Bank, long-term	4,374		0
Subordinated notes payable, net	49,588		49,495
Accrued expenses and other liabilities	27,593		28,344
Total liabilities	2,541,392		2,515,000
SHAREHOLDERS' EQUITY
Preferred stock, Authorized - 1,000,000 shares; Issued - None	0		0
Common stock, par value $0.10 per share; Authorized - 36,000,000 shares; Issued - 17,222,680 shares at December 31, 2023 and June 30, 2023; Outstanding - 17,026,828 shares at December 31, 2023, and June 30, 2023	1,722		1,722
Additional paid-in capital	10,156		10,156
Retained earnings	203,396		193,721
Accumulated other comprehensive loss	(19,070)		(21,408)
Treasury stock, at cost 195,852 shares at December 31, 2023, and June 30, 2023	(908)		(908)
Total shareholders' equity	195,296		183,283
Total liabilities and shareholders' equity	$ 2,736,688		$ 2,698,283

[1] Loan balances exclude accrued interest receivable of $6.4 million at December 31, 2023, which is included in accrued interest receivable in the consolidated statement of financial condition.

[2] Loan balances include net deferred fees/cost of $54,000 at December 31, 2023.