Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net Income	$ 13,751	$ 12,176
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	524	440
Deferred income tax benefit	(2,031)	(48)
Net (accretion) amortization of investment premiums and discounts	(329)	657
Net amortization of deferred loan costs and fees	191	177
Amortization of subordinated debt issuance costs	93	93
Provision for credit losses	1,112	627
Bank-owned life insurance income	(1,285)	(936)
Net gain on equity securities	(43)	(19)
Net (decrease) increase in accrued income taxes	(140)	678
Net increase in accrued interest receivable	(2,354)	(2,250)
Net decrease (increase) in prepaid expenses and other assets	186	(1,060)
Net decrease in accrued expense and other liabilities	(2,215)	(2,275)
Net cash provided by operating activities	7,460	8,260
Securities available-for-sale:
Proceeds from maturities	88,417	82,091
Purchases of securities	(164,699)	(107,484)
Proceeds from principal payments on securities	54,751	1,757
Securities held-to-maturity:
Proceeds from maturities	19,598	27,168
Purchases of securities	(109,516)	(13,824)
Proceeds from principal payments on securities	9,235	11,185
Net purchase of Federal Home Loan Bank Stock	(3,373)	(5,972)
Maturity of long-term certificates of deposit	250	745
Surrender of bank owned life insurance	0	23,100
Purchase of bank owned life insurance	0	(23,104)
Net increase in loans receivable	(52,327)	(48,702)
Purchases of premises and equipment	(334)	(644)
Net cash used in investing activities	(157,998)	(53,684)
Cash flows from financing activities:
Net increase in short-term advances	78,800	125,000
Proceeds from term advances	0	4,374
Repayment of long-term advances	(27,180)	0
Payment of cash dividends	(3,070)	(1,991)
Net increase (decrease) in deposits	78,036	(102,324)
Net cash provided by financing activities	126,586	25,059
Net decrease in cash and cash equivalents	(23,952)	(20,365)
Cash and cash equivalents at beginning of period	190,395	196,445
Cash and cash equivalents at end of period	166,443	176,080
Cash paid during period for:
Interest	30,399	24,354
Income taxes	$ 664	$ 1,000