CONSOLIDATED STATEMENTS OF CONDITION (unaudited) - USD ($) $ in Thousands	Dec. 31, 2023	Jun. 30, 2023
Assets
Cash and due from banks	$ 32,638	$ 33,584
Federal funds sold	3,238	2,167
Interest-earning deposits with banks	103,758	114,727
Cash and cash equivalents	139,634	150,478
Securities available for sale, at fair value		431,667
Securities available for sale, at fair value	320,397
Securities held to maturity, (fair value of $21,744 at June 30, 2023)		23,949
Securities held to maturity, net of allowance for credit losses of $238 at December 31, 2023 (fair value of $22,273 at December 31, 2023)	23,554
Equity securities, at fair value	2,763	2,413
Federal Home Loan Bank of New York stock	1,246	1,196
Loans receivable	1,285,149
Allowance for credit losses	(21,362)
Net loans receivable	1,263,787
Loans receivable		1,166,638
Allowance for loan losses		(22,469)
Net loans receivable		1,144,169
Accrued interest receivable	7,678	7,194
Premises and equipment, net	41,105	41,617
Bank-owned life insurance	16,198	16,322
Goodwill	10,879	8,799
Other intangible assets, net	3,216	2,096
Other assets	22,430	26,291
Total assets	1,852,887	1,856,191
Deposits:
Non-interest bearing deposits	473,698	526,119
Interest bearing deposits	1,048,397	1,015,732
Total deposits	1,522,095	1,541,851
Mortgagors' escrow deposits	7,270	7,888
Other liabilities	39,726	39,752
Total liabilities	1,569,091	1,589,491
Commitments and contingent liabilities - See Note 9
Shareholders' Equity
Preferred stock ($0.01 par value, 5,000,000 shares authorized, no shares issued or outstanding as of December 31, 2023 and June 30, 2023)
Common stock ($0.01 par value, 75,000,000 shares authorized, 25,977,679 shares issued and outstanding as of December 31, 2023 and June 30, 2023)	260	260
Additional paid in capital	113,432	113,543
Retained earnings	180,156	173,038
Unallocated common stock of Employee Stock Ownership Plan ("ESOP")	(10,233)	(10,573)
Accumulated other comprehensive income (loss)	181	(9,568)
Total shareholders' equity	283,796	266,700
Total liabilities and shareholders' equity	$ 1,852,887	$ 1,856,191