Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Assets
Cash and due from banks	$ 1,475	$ 1,708
Short-term investments (defined in footnotes)	46,358	38,970
Total cash and cash equivalents	47,833	40,678
Certificates of deposit	980	980
Securities available for sale	254	2,294
Securities held to maturity, at amortized cost, fair value of $123,736 at December 31, 2021 and $107,391 at June 30, 2021	122,931	105,114
Federal Home Loan Bank stock, at cost	453	453
Loans, net of allowance for loan losses of $1,737 at December 31, 2021 and $1,722 at June 30, 2021	172,931	174,433
Premises and equipment, net	3,337	3,459
Accrued interest receivable	1,112	1,146
Bank-owned life insurance	10,008	9,250
Deferred tax asset	592	665
Other Assets	1,398	382
Assets	361,829	338,854
Deposits
Non-interest bearing	52,378	30,129
Interest bearing	255,182	254,505
Total deposits	307,560	284,634
Short-term borrowings	288	918
Mortgagors' escrow accounts	1,650	1,572
Accrued expenses and other liabilities	2,991	3,085
Total liabilities	312,489	290,209
Commitments and contingencies (Note 9)
Retained earnings	49,334	48,628
Accumulated other comprehensive income	6	17
Total retained earnings	49,340	48,645
Liabilities and Retained Earnings	$ 361,829	$ 338,854