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Condensed Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2025
Jun. 30, 2025
ASSETS    
Cash and due from financial institutions $ 2,326 $ 2,342
Fed funds sold 3,266 8,577
Interest-bearing demand deposits 14,080 8,561
Cash and cash equivalents 19,672 19,480
Securities available-for-sale, at fair value 11,185 9,757
Securities held-to-maturity, at amortized cost-approximate fair value of $151 and $167 at December 31, 2025 and June 30, 2025, respectively 152 171
Loans held for sale 623 877
Loans, net of allowance for credit losses of $2,176 and $2,170 at December 31, 2025 and June 30, 2025, respectively 329,829 327,248
Office premises and equipment - at depreciated cost 4,184 4,211
Federal Home Loan Bank stock - at cost 3,805 3,980
Accrued interest receivable 1,469 1,438
Bank-owned life insurance 3,045 3,001
Prepaid income taxes 99
Prepaid expenses and other assets 1,215 1,048
Total assets 375,278 371,211
LIABILITIES AND SHAREHOLDERS’ EQUITY    
Savings 43,496 48,616
Certificates of deposit 199,452 199,575
Demand deposit accounts 30,246 29,372
Deposits 273,194 277,563
Federal Home Loan Bank advances 51,448 42,760
Advances by borrowers for taxes and insurance 255 869
Accrued interest payable 510 949
Accrued income tax 63
Deferred income taxes 122 30
Other liabilities 648 608
Total liabilities 326,177 322,842
Shareholders’ equity    
Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued
Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued 86 86
Additional paid-in capital 34,891 34,891
Retained earnings - restricted 18,154 17,506
Treasury shares at cost, 509,349 common shares at December 31, 2025 and June 30, 2025, respectively (3,969) (3,969)
Accumulated other comprehensive loss (61) (145)
Total shareholders’ equity 49,101 48,369
Total liabilities and shareholders’ equity $ 375,278 $ 371,211