Consolidated Statements of Financial Condition - USD ($) $ in Thousands		Jun. 30, 2024		Jun. 30, 2023
ASSETS
Cash and due from banks		$ 13,897		$ 15,305
Interest-bearing deposits		176,498		181,140
Total cash and cash equivalents		190,395		196,445
Long-term certificates of deposit		2,831		4,576
Securities available-for-sale, at fair value		350,001		281,133
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $483 at June 30, 2024		690,354		726,363
Equity securities, at fair value		328		306
Federal Home Loan Bank stock, at cost		7,296		1,682
Loans receivable		1,499,473	[1],[2]	1,408,866
Allowance for credit losses on loans	[3]	(19,244)		(21,212)
Net loans receivable		1,480,229		1,387,654
Premises and equipment, net		15,606		15,028
Bank-owned life insurance		57,249		55,063
Accrued interest receivable		14,269		12,249
Foreclosed real estate		0		302
Prepaid expenses and other assets		17,230		17,482
Total assets		2,825,788		2,698,283
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest bearing deposits		125,442		159,039
Interest bearing deposits		2,263,780		2,278,122
Total deposits		2,389,222		2,437,161
Borrowings, short-term		115,300		0
Borrowings, long-term		34,156		0
Subordinated notes payable, net		49,681		49,495
Accrued expenses and other liabilities		31,429		28,344
Total liabilities		2,619,788		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 June 30, 2024 and June 30, 2023 Outstanding - 17,026,828 shares at June 30, 2024 and June 30, 2023		1,722		1,722
Additional paid-in capital		10,156		10,156
Retained earnings		214,740		193,721
Accumulated other comprehensive loss		(19,710)		(21,408)
Treasury stock, at cost 195,852 shares at June 30, 2024 and June 30, 2023		(908)		(908)
Total shareholders' equity		206,000		183,283
Total liabilities and shareholders' equity		$ 2,825,788		$ 2,698,283

[1] Loan balances exclude accrued interest receivable of $6.2 million at June 30, 2024, which is included in accrued interest receivable in the consolidated statement of financial condition.

[2] Loan balances include net deferred fees/cost of $(42,000) at June 30, 2024.

[3] Effective July 1, 2023, the allowance calculation is based upon the CECL methodology.  Prior to July 1, 2023, the allowance calculation was based upon the incurred loss methodology.