Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2024		Jun. 30, 2023
ASSETS
Cash and due from banks	$ 11,234		$ 15,305
Interest-bearing deposits	244,589		181,140
Total cash and cash equivalents	255,823		196,445
Long-term certificates of deposit	3,083		4,576
Securities available-for-sale, at fair value	345,519		281,133
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $498 at March 31, 2024	700,371		726,363
Equity securities, at fair value	343		306
Federal Home Loan Bank stock, at cost	2,219		1,682
Loans receivable	1,477,635	[1],[2]	1,408,866
Allowance for credit losses on loans	(20,382)		(21,212)
Net loans receivable	1,457,253		1,387,654
Premises and equipment, net	15,651		15,028
Bank-owned life insurance	56,618		55,063
Accrued interest receivable	16,762		12,249
Foreclosed real estate	302		302
Prepaid expenses and other assets	17,567		17,482
Total assets	2,871,511		2,698,283
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	131,452		159,039
Interest-bearing deposits	2,425,655		2,278,122
Total deposits	2,557,107		2,437,161
Borrowings, short-term	2,000		0
Borrowings, long-term	34,156		0
Subordinated notes payable, net	49,635		49,495
Accrued expenses and other liabilities	29,428		28,344
Total liabilities	2,672,326		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 March 31, 2024 and June 30, 2023; Outstanding - 17,026,828 shares at March 31, 2024, and June 30, 2023	1,722		1,722
Additional paid-in capital	10,156		10,156
Retained earnings	208,632		193,721
Accumulated other comprehensive loss	(20,417)		(21,408)
Treasury stock, at cost 195,852 shares at March 31, 2024, and June 30, 2023	(908)		(908)
Total shareholders' equity	199,185		183,283
Total liabilities and shareholders' equity	$ 2,871,511		$ 2,698,283

[1] Loan balances exclude accrued interest receivable of $6.7 million at March 31, 2024, which is included in accrued interest receivable in the consolidated statement of financial condition.

[2] Loan balances include net deferred fees/cost of $167 at March 31, 2024.