Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2025	Jun. 30, 2024
ASSETS
Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $10,380 and $25,505 at June 30, 2025 and June 30, 2024, respectively)	$ 17,347	$ 34,948
Securities Available-for-Sale (amortized cost June 30, 2025: $36,695; June 30, 2024: $30,347, respectively)	34,246	27,037
Securities Held-to-Maturity (fair value June 30, 2025: $51,139; June 30, 2024: $54,450, respectively)	61,334	67,302
Other Securities	650	1,614
Loans Held-for-Sale	1,540	1,733
Loans Receivable, Net of Allowance for Credit Losses (June 30, 2025: $4,484; June 30, 2024: $4,574, respectively)	461,004	470,852
Accrued Interest Receivable	1,836	1,775
Premises and Equipment, Net	17,266	18,303
Bank Owned Life Insurance	6,926	6,810
Goodwill	2,990	2,990
Core Deposit Intangible	915	1,199
Deferred Tax Asset	1,163	1,181
Real Estate Owned	970	418
Other Assets	1,305	1,350
Total Assets	609,492	637,512
Deposits:
Non-interest bearing	122,416	130,334
Interest-bearing	423,874	443,673
Total Deposits	546,290	574,007
Advances from Borrowers for Taxes and Insurance	543	521
Other Borrowings	4,000	7,000
Other Accrued Expenses and Liabilities	3,454	3,181
Total Liabilities	554,287	584,709
SHAREHOLDERS' EQUITY
Preferred Stock - $0.01 Par Value; 10,000,000 Shares Authorized: None Issued and Outstanding	0	0
Common Stock - $0.01 Par Value; 40,000,000 Shares Authorized: 3,084,764 and 3,142,168 Shares Issued and Outstanding at June 30, 2025 and June 30, 2024, respectively	32	32
Additional Paid-in Capital	42,187	41,739
Unearned ESOP Stock	(321)	(408)
Retained Earnings	15,241	14,055
Accumulated Other Comprehensive Loss	(1,934)	(2,615)
Total Shareholders' Equity	55,205	52,803
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 609,492	$ 637,512