Consolidated Balance Sheets - USD ($)	Jun. 30, 2023	Jun. 30, 2022
Assets
Cash and due from banks	$ 1,486,000	$ 1,609,000
Short-term investments	5,375,000	30,058,000
Total cash and cash equivalents	6,861,000	31,667,000
Securities available for sale, at fair value	146,000	199,000
Securities held to maturity, at amortized cost, fair value of $132,273 at June 30, 2023 and $133,593 at June 30, 2022	147,902,000	145,239,000
Federal Home Loan Bank stock, at cost	381,000	191,000
Loans, net of allowance for loan losses of $1,747 at June 30, 2023 and $1,747 at June 30, 2022	175,911,000	172,593,000
Premises and equipment, net	3,413,000	3,334,000
Accrued interest receivable	1,363,000	1,265,000
Bank-owned life insurance	10,402,000	10,144,000
Deferred tax asset	1,079,000	1,079,000
Operating lease right of use asset	953,000	0
Other Assets	596,000	472,000
Total assets	349,007,000	366,183,000
Deposits
Non-interest bearing	32,760,000	31,168,000
Interest bearing	230,616,000	255,907,000
Total deposits	263,376,000	287,075,000
Short-term borrowings	3,675,000	0
Mortgagors' escrow accounts	1,596,000	1,555,000
Operating lease liability	962,000	0
Accrued expenses and other liabilities	3,509,000	3,303,000
Total liabilities	273,118,000	291,933,000
Stockholders' Equity
Preferred Stock, $.01 par value, 10,000,000 shares authorized as of June 30, 2023 and June 30, 2022, and none outstanding	0	0
Common Stock, $.01 par value, 90,000,000 shares authorized as of June 30, 2023 and June 30, 2022, 6,632,642 issued and outstanding as of June 30, 2023 and 6,521,642 issued and outstanding as of June 30, 2022	65,000	65,000
Additional Paid in Capital	27,814,000	27,720,000
Retained earnings	50,416,000	48,970,000
Accumulated other comprehensive loss	(3,000)	0
Unearned compensation - ESOP, 241,986 and 250,536 shares unallocated at June 30, 2023 and june 30 2022, respectively	(2,403,000)	(2,505,000)
Total stockholders' equity	75,889,000	74,250,000
Total liabilities and stockholders' equity	$ 349,007,000	$ 366,183,000