CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended		12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Jun. 30, 2024	Jun. 30, 2023
Cash flows from operating activities:
Net income	$ 9,600,000	$ 6,611,000	$ 15,260,000	$ 21,948,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,253,000	1,316,000	2,596,000	2,698,000
Provision for credit losses	220,000	1,870,000	2,700,000
Net (accretion) amortization on securities	(1,345,000)	(820,000)	(1,863,000)	53,000
ESOP compensation	283,000	229,000	472,000	513,000
Loss (earnings) on bank-owned life insurance	53,000	124,000	313,000	(300,000)
Net gain on sale or write-down of other real estate owned	(35,000)		(55,000)
Proceeds from sale of loans	3,024,000	92,000	92,000	100,000
Net (gain) loss on sale of loans	(33,000)	8,000	9,000	(2,000)
Loss on sale, disposal or impairment of premise and equipment, net	1,199,000		288,000
Net gain on equity securities		(349,000)	(735,000)	(374,000)
Net (gain) loss on securities available for sale transactions	(165,000)	5,645,000	5,645,000
Stock-based compensation expense	687,000		154,000
Deferred tax expense	342,000	4,000	(188,000)	855,000
Increase in accrued interest receivable	(378,000)	(484,000)	(365,000)	(2,571,000)
(Increase) decrease in other assets	(1,418,000)	(1,214,000)	1,992,000	3,754,000
Income (decrease) in other liabilities	3,560,000	(1,545,000)	(2,488,000)	(426,000)
Changes in operating leases	6,000	12,000	20,000	21,000
Net cash provided by operating activities	16,853,000	11,499,000	23,847,000	26,269,000
Cash flows from investing activities:
Proceeds from maturities, paydowns and calls of securities available for sale	77,696,000	71,780,000	143,550,000	187,722,000
Proceeds from sales of securities available for sale	350,000	74,462,000	74,462,000	0
Purchases of securities available for sale	(140,157,000)	(26,597,000)	(32,687,000)	(141,484,000)
Proceeds from maturities and paydowns of securities held to maturity	2,414,000	1,958,000	2,651,000	2,770,000
Purchases of securities held to maturity	(2,678,000)	(1,801,000)	(4,054,000)	(2,767,000)
Proceeds from sales of equity securities			3,149,000	0
Net purchases of FHLBNY and FRBNY stock	(1,737,000)	(50,000)	(2,350,000)	(105,000)
Net increase in loans receivable	(93,473,000)	(119,033,000)	(200,057,000)	(161,701,000)
Purchases of premises and equipment	(753,000)	(534,000)	(838,000)	(451,000)
Proceeds from the sale of premises and equipment	2,250,000
Proceeds from bank-owned life insurance death benefit				1,143,000
Proceeds from sale of other real estate owned	188,000		106,000
Cash paid for acquisitions		(1,980,000)	(1,980,000)
Net cash used in investing activities	(155,900,000)	(1,795,000)	(18,048,000)	(114,873,000)
Cash flows from financing activities:
Net increase (decrease) in deposits	35,931,000	(19,756,000)	8,401,000	(138,432,000)
Net (decreases) increase in mortgagors' escrow deposits	(1,604,000)	(618,000)	1,813,000	2,302,000
FHLBNY advances, net	40,000,000
Payments on acquisition contingent consideration	(750,000)	(124,000)	(124,000)	(734,000)
Repurchase of common stock	(3,146,000)		(1,075,000)
Repayment of finance lease liability	(53,000)	(50,000)	(102,000)	(114,000)
Net cash provided by (used in) financing activities	70,378,000	(20,548,000)	8,913,000	(136,978,000)
Net (decrease) increase in cash and cash equivalents	(68,669,000)	(10,844,000)	14,712,000	(225,582,000)
Cash and cash equivalents at beginning of period	165,190,000	150,478,000	150,478,000	376,060,000
Cash and cash equivalents at end of period	96,521,000	139,634,000	165,190,000	150,478,000
Cash paid during the period for:
Interest	13,356,000	9,579,000	21,751,000	5,435,000
Income taxes	$ 2,700,000	3,000,000	5,000,000	4,800,000
Non-cash investing and financing activity:
Loans transferred to other real estate owned		51,000	204,000
Acquisition contingent consideration payable		1,499,000	1,499,000
Right of use assets obtained in exchange for new finance lease liabilities			26,000
Right of use assets obtained in exchange for new operating lease liabilities		$ 199,000	$ 199,000
Adoption of lease accounting standard:
Right of use assets				6,535,000
Lease liabilities				$ 6,883,000