Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Assets
Cash and due from banks	$ 1,481	$ 1,609
Short-term investments	14,260	30,058
Total cash and cash equivalents	15,741	31,667
Securities available for sale, at fair value	183	199
Securities held to maturity, at amortized cost, fair value of $133,775 at September 30, 2022 and $133,593 at June 30, 2022	152,141	145,239
Federal Home Loan Bank stock, at cost	191	191
Loans, net of allowance for loan losses of $1,747 at September 30, 2022 and $1,747 at June 30, 2022	175,245	172,593
Premises and equipment, net	3,310	3,334
Accrued interest receivable	1,306	1,265
Bank-owned life insurance	10,208	10,144
Deferred tax asset	1,139	1,079
Operating lease right of use asset	1,021	0
Other Assets	457	472
Total Assets	360,942	366,183
Deposits
Non-interest bearing	34,148	31,168
Interest bearing	245,904	255,907
Total deposits	280,052	287,075
Mortgagors' escrow accounts	1,618	1,555
Operating lease liability	1,023	0
Accrued expenses and other liabilities	3,332	3,303
Total liabilities	286,025	291,933
Stockholders' Equity
Preferred Stock, $.01 par value, 10,000,000 shares authorized as of September 30, 2022 and June 30, 2022, none issued and outstanding as of September 30, 2022 and June 30, 2022	0	0
Common Stock, $.01 par value, 90,000,000 shares authorized as of September 30, 2022 and June 30, 2022, 6,521,642 issued and outstanding as of September 30, 2022 and June 30, 2022	65	65
Additional Paid in Capital	27,718	27,720
Retained earnings	49,615	48,970
Accumulated other comprehensive income	(1)	0
Unearned compensation - ESOP	(2,480)	(2,505)
Total stockholders' equity	74,917	74,250
Total liabilities and stockholders' equity	$ 360,942	$ 366,183