CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss)	$ 1,092,099	$ (399,339)
Adjustments to reconcile net income (loss) to net cash flows used in operating activities
Provision for loan losses	135,000	0
Depreciation	552,952	555,421
Amortization and accretion	60,556	83,120
Origination of mortgage loans held for sale	(334,927,997)	(105,923,418)
Proceeds from sales of mortgage loans held for sale	328,437,843	106,782,850
Gain on sale of mortgage loans held for sale	(5,120,325)	(1,522,595)
(Gain) loss on sale of other real estate owned, net	(117,657)	23,265
Deferred income tax (benefit) expense	0	(334,198)
Income tax valuation allowance	0	364,787
Loss on sale or disposal of assets, net	1,650	0
Changes in assets and liabilities:
Accrued interest receivable and other assets	(631,800)	304,219
Accrued interest payable and other liabilities	5,779,637	(520,181)
Net cash flows used in operating activities	(4,738,042)	(586,069)
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities or calls of securities available for sale	3,937,991	1,791,443
Purchase of securities available for sale	(3,394,432)	(875,000)
Change in loans	22,237,069	3,706,548
Change from redemption of FHLB stock	715,500	9,000
Change in interest bearing deposits in banks	960,851	(3,516,556)
Proceeds from sale of other real estate owned	1,158,306	333,387
Charge-offs and (capital expenditures) on other real estate owned	952,353	(61,071)
Proceeds from sale of premises and equipment	8,000	0
Purchase of premises and equipment, net	(357,369)	(468,269)
Net cash flows provided by investing activities	26,218,269	919,482
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	21,510,072	(9,902,021)
FHLB advance proceeds	1,087,350,000	1,026,380,000
FHLB advance repayments	(1,122,550,000)	(1,028,180,000)
Change in advance payments by borrowers for property taxes and insurance	(315,028)	(480,339)
Net proceeds from issuance of common stock	0	11,345,571
Net cash flows used in financing activities	(14,004,956)	(836,789)
Net Change in Cash and Cash Equivalents	7,475,271	(503,376)
CASH AND CASH EQUIVALENTS - BEGINNING OF YEAR	5,630,770	6,134,146
CASH AND CASH EQUIVALENTS - END OF YEAR	13,106,041	5,630,770
SUPPLEMENTAL CASH FLOW DISCLOSURES
Cash paid for interest	1,830,030	1,536,928
Loans transferred to other real estate owned	$ 200,856	$ 418,849