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Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2025
Dec. 31, 2024
Interest income:        
Loans $ 22,413 $ 19,480 $ 44,386 $ 38,723
Investment securities - tax exempt 5,422 4,943 10,688 9,411
Investment securities - taxable 4,752 3,598 8,662 6,967
Interest-bearing deposits and federal funds sold 910 1,397 1,384 2,086
Total interest income 33,497 29,418 65,120 57,187
Interest expense:        
Interest on deposits 13,925 14,738 27,288 28,544
Interest on borrowings 513 612 1,253 1,439
Total interest expense 14,438 15,350 28,541 29,983
Net interest income 19,059 14,068 36,579 27,204
Provision for credit losses 199 478 1,456 1,112
Net interest income after provision for credit losses 18,860 13,590 35,123 26,092
Noninterest income:        
Service charges on deposit accounts 1,306 1,273 2,604 2,499
Debit card fees 1,103 1,063 2,203 2,164
Investment services 271 252 548 500
E-commerce fees 29 34 56 71
Bank-owned life insurance 674 637 1,326 1,285
Net loss on sale of securities available-for-sale (576) 0 (576) 0
Other operating income 349 616 981 1,093
Total noninterest income 3,156 3,875 7,142 7,612
Noninterest expense:        
Salaries and employee benefits 6,223 5,653 12,379 11,531
Occupancy expense 656 615 1,309 1,251
Equipment and furniture expense 214 193 419 343
Service and data processing fees 781 773 1,568 1,540
Computer software, supplies and support 558 404 998 759
Advertising and promotion 147 127 247 204
FDIC insurance premiums 370 347 737 669
Legal and professional fees 479 245 885 609
Other 1,031 1,029 1,978 2,030
Total noninterest expense 10,459 9,386 20,520 18,936
Income before provision for income taxes 11,557 8,079 21,745 14,768
Provision for income taxes 1,265 589 2,583 1,017
Net income $ 10,292 $ 7,490 $ 19,162 $ 13,751
Basic earnings per share (in Dollars per share) $ 0.6 $ 0.44 $ 1.13 $ 0.81
Diluted earnings per share (in Dollars per share) $ 0.6 $ 0.44 $ 1.13 $ 0.81
Basic average shares outstanding (in Shares) 17,026,828 17,026,828 17,026,828 17,026,828
Diluted average shares outstanding (in Shares) 17,026,828 17,026,828 17,026,828 17,026,828