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Deposits
 12 Months Ended
Jun. 30, 2025
Deposits [Abstract]  
Deposits
Note 6.
Deposits

Deposits at June 30, 2025 and 2024 are summarized as follows:
 
Weighted
  
Weighted
                        
 
Average
  
Average
                        
 
Rate at
  
Rate at
  
2025
    
2024
  
 
6/30/2025
  
6/30/2024
  
Amount
    
Percent
    
Amount
    
Percent
  
         
(Dollars in Thousands)
  
             
Non-Interest Bearing
    
0.00
%
    
0.00
%
  
$
122,416
      
22.41
%
  
$
130,334
      
22.71
%
NOW Accounts
    
1.15
%
    
0.66
%
    
67,119
      
12.29
%
    
66,613
      
11.60
%
Money Market
    
2.03
%
    
2.57
%
    
73,771
      
13.50
%
    
85,525
      
14.90
%
Savings Accounts
    
1.76
%
    
1.35
%
    
95,627
      
17.50
%
    
76,643
      
13.35
%
                     
358,933
      
65.70
%
    
359,115
      
62.56
%
                                                 
Certificates of Deposit
    
3.50
%
    
4.37
%
    
187,357
      
34.30
%
    
214,892
      
37.44
%
                                                 
          Total Deposits
                  
$
546,290
      
100.00
%
  
$
574,007
      
100.00
%

The composition of certificates of deposit accounts by interest rate is as follows:
   
2025
    
2024
  
  
  
Amount
    
Percent
    
Amount
    
Percent
  
    
(Dollars in Thousands)
  
       
0.00% to 0.99%
  
$
9,207
      
4.91
%
  
$
13,964
      
6.50
%
1.00% to 1.99%
    
6
      
0.00
%
    
1,323
      
0.62
%
2.00% to 2.99%
    
22,739
      
12.14
%
    
698
      
0.33
%
3.00% to 3.99%
    
84,775
      
45.25
%
    
2,137
      
0.99
%
4.00% to 4.99%     64,248       34.29 %     146,242       68.05 %
5.00% to 5.99%     6,382       3.41 %     50,528       23.51 %
                                 
   Total Certificate Accounts
  
$
187,357
      
100.00
%
  
$
214,892
      
100.00
%


Maturities of certificates of deposit accounts at June 30, 2025 are scheduled as follows:

Year Ending
June 30,
  


Amount
  


Percent
  
Weighted
Average
Rate
  
   
(Dollars in Thousands)
      
               
2026
    
$
172,628
      
92.14
%
    
3.32
%
2027
      
11,622
      
6.20
%
    
0.16
%
2028
      
1,038
      
0.56
%
    
0.01
%
2029
      
1,070
      
0.57
%
    
0.01
%
2030
      
999
      
0.53
%
    
0.00
%
    Total
    
$
187,357
      
100.00
%
    
3.50
%

Interest expense on deposits for the years ended June 30, 2025 and 2024 was as follows:
   
2025
    
2024
  
   
(In Thousands)
  
             
NOW and Money Market
  
$
2,477
    
$
2,651
  
Savings
    
1,544
      
479
  
Certificates of Deposit
    
7,420
      
8,868
  
                 
   Total
  
$
11,441
    
$
11,998
  

The aggregate amount of time deposits in denominations of $250,000 or more at June 30, 2025 and 2024 was $55.6 million and $64.2 million, respectively. At June 30, 2025 and 2024, the Bank had no brokered certificates of deposits.