Consolidated Statements of Financial Condition - USD ($) $ in Thousands		Sep. 30, 2024	Jun. 30, 2024
ASSETS
Cash and due from banks		$ 24,824	$ 13,897
Interest-bearing deposits		188,645	176,498
Total cash and cash equivalents		213,469	190,395
Long-term certificates of deposit		2,579	2,831
Securities available-for-sale, at fair value		364,526	350,001
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $466 and $483 at September 30, 2024 and June 30, 2024		701,919	690,354
Equity securities, at fair value		339	328
Federal Home Loan Bank stock, at cost		4,795	7,296
Loans receivable	[1],[2]	1,501,212	1,499,473
Allowance for credit losses on loans		(19,781)	(19,244)
Net loans receivable		1,481,431	1,480,229
Premises and equipment, net		15,498	15,606
Bank-owned life insurance		57,898	57,249
Accrued interest receivable		14,909	14,269
Foreclosed real estate		0	0
Prepaid expenses and other assets		17,258	17,230
Total assets		2,874,621	2,825,788
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits		132,897	125,442
Interest bearing deposits		2,352,977	2,263,780
Total deposits		2,485,874	2,389,222
Borrowings, short-term		63,000	115,300
Borrowings, long-term		29,781	34,156
Subordinated notes payable, net		49,727	49,681
Accrued expenses and other liabilities		29,941	31,429
Total liabilities		2,658,323	2,619,788
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 September 30, 2024 and June 30, 2024; Outstanding - 17,026,828 shares at September 30, 2024, and June 30, 2024		1,722	1,722
Additional paid-in capital		10,156	10,156
Retained earnings		219,468	214,740
Accumulated other comprehensive loss		(14,140)	(19,710)
Treasury stock, at cost 195,852 shares at September 30, 2024 and June 30, 2024		(908)	(908)
Total shareholders' equity		216,298	206,000
Total liabilities and shareholders' equity		$ 2,874,621	$ 2,825,788

[1] Loan balances exclude accrued interest receivable of $6.5 million and $6.2 million at September 30, 2024 and June 30, 2024, respectively, which is included in accrued interest receivable in the consolidated statement of financial condition.

[2] Loan balances include net deferred fees/costs of ($181,000) and ($42,000) at September 30, 2024 and June 30, 2024, respectively.