Loans (Tables)

3 Months Ended

Sep. 30, 2022

Loans and Leases Receivable Disclosure [Line Items]

Summary of loans by major category

A summary of loans by major category follows:

	Unaudited
	September 30, 2022		June 30, 2022
Commercial real estate	$	84,854,449	$	80,603,153
Commercial and industrial		9,209,475		8,778,723
Construction		7,687,275		10,582,488
One-to-four-family residential		56,367,980		51,890,948
Multi-family real estate		35,287,008		33,944,903
Consumer		2,137,459		2,100,259
Total loans		195,543,646		187,900,474
Deferred loan fees		(85,298)		(75,552)
Allowance for loan losses		(2,058,869)		(2,195,050)
Loans, net	$	193,399,479	$	185,629,872

Schedule of changes in the allowance for loan losses

	Commercial		Commercial				One-to-Four		MultiFamily
	Real Estate		and Industrial		Construction		Residential		Real Estate		Consumer		Unallocated		Total
September 30, 2022
Allowance for credit losses
Balance at beginning of year	$	1,591,644	$	32,701	$	55,029	$	263,951	$	233,371	$	601	$	17,753	$	2,195,050
Charge-offs		(136,753)		—		—		—		—		—		—		(136,753)
Recoveries		—		—		—		—		—		572		—		572
Provisions		109,130		(5,303)		(30,238)		(41,667)		(17,238)		(553)		(14,131)		—
Balance at September 30, 2022	$	1,564,021	$	27,398	$	24,791	$	222,284	$	216,133	$	620	$	3,622	$	2,058,869
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively evaluated for impairment		1,564,021		27,398		24,791		222,284		216,133		620		3,622		2,058,869
Balance at end of period	$	1,564,021	$	27,398	$	24,791	$	222,284	$	216,133	$	620	$	3,622	$	2,058,869
Loans
Individually evaluated for impairment	$	23,549	$	—	$	—	$	132,507	$	—	$	—	$	—	$	156,056
Collectively evaluated for impairment		84,830,900		9,209,475		7,687,275		56,235,473		35,287,008		2,137,459		—		195,387,590
	$	84,854,449	$	9,209,475	$	7,687,275	$	56,367,980	$	35,287,008	$	2,137,459	$	—	$	195,543,646

	Commercial		Commercial				One-to-Four		MultiFamily
	Real Estate		and Industrial		Construction		Residential		Real Estate		Consumer		Unallocated		Total
June 30, 2022
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively evaluated for impairment		1,591,644		32,701		55,029		263,951		233,371		601		17,753		2,195,050
Balance at end of period	$	1,591,644	$	32,701	$	55,029	$	263,951	$	233,371	$	601	$	17,753	$	2,195,050
Loans
Individually evaluated for impairment	$	—	$	—	$	—	$	193,385	$	—	$	—	$	—	$	193,385
Collectively evaluated for impairment		80,603,153		8,778,723		10,582,488		51,697,563		33,944,903		2,100,259				187,707,089
Balance at end of period	$	80,603,153	$	8,778,723	$	10,582,488	$	51,890,948	$	33,944,903	$	2,100,259	$	—	$	187,900,474

	Commercial		Commercial				One-to-Four		MultiFamily
September 30, 2021	Real Estate		and Industrial		Construction		Residential		Real Estate		Consumer		Unallocated		Total
Allowance for credit losses
Balance at beginning of period	$	1,036,301	$	157,533	$	59,649	$	409,395	$	134,216	$	4,896	$	384,192	$	2,186,182
Charge-offs		—		—		—		—		—		—		—		—
Recoveries		—		—		—		—		—		1,124		—		1,124
Provisions		187,549		(89,036)		(9,003)		(53,138)		(47,734)		(102)		11,464		—
Balance at September 30, 2021	$	1,223,850	$	68,497	$	50,646	$	356,257	$	86,482	$	5,918	$	395,656	$	2,187,306

Summary of aging of the past due loans by loan class within the portfolio segments

	Still Accruing
	30-59 Days		60-89 Days		Over 90 Days		Nonaccrual
	Past Due		Past Due		Past Due		Balance
September 30, 2022
Commercial real estate	$	—	$	—	$	—	$	—
Commercial and industrial		—		—		—		—
Construction		—		—		—		—
One-to-four-family residential		30,248		70,216		—		5,762
Multi-family real estate		—		—		—		—
Consumer		—		—		—		—
Total	$	30,248	$	70,216	$	—	$	5,762

	Still Accruing
	30-59 Days		60-89 Days		Over 90 Days		Nonaccrual
	Past Due		Past Due		Past Due		Balance
June 30, 2022
Commercial real estate	$	—	$	—	$	—	$	—
Commercial and industrial		—		—		—		—
Construction		—		—		—		—
One-to-four-family residential		70,485		—		50,818		63,785
Multi-family real estate		—		—		—		—
Consumer		—		—		—		—
Total	$	70,485	$	—	$	50,818	$	63,785

Summary of individually impaired loans by class of loans

							For the Three Months Ended
							September 30, 2022
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance (1)		Allowance		Investment		Recognized
September 30, 2022
With no related allowance recorded
Commercial real estate	$	23,549	$	23,549	$	—	$	327,580	$	7,648
One-to-four-family residential		132,507		132,507		—		137,975		1,502
	$	156,056	$	156,056	$	—	$	465,555	$	9,150

							For the Three Months Ended
							September 30, 2022
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance (1)		Allowance		Investment		Recognized
With an allowance recorded
Commercial and industrial	$	—	$	—	$	—	$	—	$	—
Commercial real estate		—		—		—		—		—
One-to-four-family residential		—		—		—		—		—
Consumer		—		—		—		—		—
	$	—	$	—	$	—	$	—	$	—

(1) Represents the borrower's loan obligation, gross of any previously charged-off amounts.

							For the Year Ended
							June 30, 2022
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance (1)		Allowance		Investment		Recognized
June 30, 2022
With no related allowance recorded
One-to-four-family residential	$	193,385	$	193,385	$	—	$	199,080	$	13,428
	$	193,385	$	193,385	$	—	$	199,080	$	13,428

							For the Year Ended
							June 30, 2022
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance (1)		Allowance		Investment		Recognized
With an allowance recorded
Commercial and industrial	$	—	$	—	$	—	$	—	$	—
One-to-four-family residential		—		—		—		—		—
Consumer		—		—		—		—		—
	$	—	$	—	$	—	$	—	$	—

(1) Represents the borrower's loan obligation, gross of any previously charged-off amounts.

Commercial Real Estate And Commercial Portfolio

Loans and Leases Receivable Disclosure [Line Items]

Summary of credit quality information by loan portfolio

			Special Mention/
	Pass		Watch		Substandard		Doubtful		Total
September 30, 2022
Commercial real estate	$	83,452,195	$	1,378,705	$	23,549	$	—	$	84,854,449
Commercial and industrial		9,209,475		—		—		—		9,209,475
Construction		7,687,275		—		—		—		7,687,275
	$	100,348,945	$	1,378,705	$	23,549	$	—	$	101,751,199

			Special Mention/
	Pass		Watch		Substandard		Doubtful		Total
June 30, 2022
Commercial real estate	$	79,214,378	$	1,388,775	$	—	$	—	$	80,603,153
Commercial and industrial		8,778,723		—		—		—		8,778,723
Construction		10,582,488		—		—		—		10,582,488
	$	98,575,589	$	1,388,775	$	—	$	—	$	99,964,364

Residential Real Estate And Consumer Portfolio

Loans and Leases Receivable Disclosure [Line Items]

Summary of credit quality information by loan portfolio

	Performing		Nonperforming		Total
September 30, 2022
One-to-four-family residential	$	56,362,218	$	5,762	$	56,367,980
Multi-family real estate		35,287,008		—		35,287,008
Consumer		2,137,459		—		2,137,459
	$	93,786,685	$	5,762	$	93,792,447

	Performing		Nonperforming		Total
June 30, 2022
One-to-four-family residential	$	51,827,163	$	63,785	$	51,890,948
Multi-family real estate		33,944,903		—		33,944,903
Consumer		2,100,259		—		2,100,259
	$	87,872,325	$	63,785	$	87,936,110