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Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2025
Dec. 31, 2024
Interest income        
Loans, including fees $ 4,884 $ 4,437 $ 9,579 $ 8,702
Mortgage-backed securities 107 76 205 157
Interest-bearing deposits and other 185 271 444 544
Total interest income 5,176 4,784 10,228 9,403
Interest expense        
Interest-bearing demand deposits 25 9 55 18
Savings 49 50 98 100
Certificates of deposit 1,943 1,936 3,933 3,812
Deposits 2,017 1,995 4,086 3,930
Borrowings 503 751 982 1,566
Total interest expense 2,520 2,746 5,068 5,496
Net interest income 2,656 2,038 5,160 3,907
Provision for credit losses 10 10 15
Net interest income after provision for credit losses 2,646 2,038 5,150 3,892
Non-interest income        
Earnings on bank-owned life insurance 22 22 44 43
Net gain on sales of loans 101 81 166 141
Net gain on sales of real estate owned 5 5
Other 55 63 121 119
Total non-interest income 178 171 331 308
Non-interest expense        
Employee compensation and benefits 1,311 1,211 2,515 2,396
Data processing 225 107 451 271
Occupancy and equipment 134 136 270 273
FDIC insurance premiums 79 75 140 138
Voice and data communications 33 32 66 66
Advertising 56 49 99 91
Outside service fees 234 155 394 225
Auditing and accounting 96 86 191 167
Regulatory assessments 23 23 46 46
Foreclosure and real estate owned expenses, net 19 19 45 41
Franchise and other taxes 40 42 71 70
Legal Fees 124 181 148 229
Other 49 87 191 202
Total non-interest expense 2,423 2,203 4,627 4,215
Income (loss) before income taxes 401 6 854 (15)
Income tax expense (benefit) 97 (7) 206 (13)
NET INCOME (LOSS) $ 304 $ 13 $ 648 $ (2)
EARNINGS (LOSS) PER SHARE        
Basic (in Dollars per share) $ 0.04 $ 0 $ 0.08 $ 0
Diluted (in Dollars per share) 0.04 0 0.08 0
DIVIDENDS PER SHARE (in Dollars per share) $ 0 $ 0 $ 0 $ 0