Consolidated Balance Sheets (Unaudited) - USD ($)	Dec. 31, 2024	Jun. 30, 2024
Assets
Cash and due from banks	$ 1,506,000	$ 1,339,000
Short-term investments	27,323,000	25,620,000
Total cash and cash equivalents	28,829,000	26,959,000
Securities available for sale, at fair value	103,000	113,000
Securities held to maturity, net of allowance for credit losses of $119 and $149, fair value of $135,388 and $133,420 at December 31, 2024 and June 30, 2024, respectively	147,917,000	146,994,000
Federal Home Loan Bank stock, at cost	704,000	704,000
Loans, net of allowance for credit losses of $1,407 and $1,553 at December 31, 2024 and June 30, 2024, respectively	167,152,000	170,438,000
Premises and equipment, net	3,130,000	3,246,000
Accrued interest receivable	1,355,000	1,398,000
Bank-owned life insurance	10,809,000	10,670,000
Deferred tax asset	1,193,000	1,245,000
Operating lease right of use asset	812,000	860,000
Other assets	754,000	812,000
Total Assets	362,758,000	363,439,000
Deposits
Non-interest bearing	27,991,000	34,124,000
Interest-bearing	242,367,000	236,717,000
Total deposits	270,358,000	270,841,000
Federal Home Loan Bank of Boston advances	10,350,000	10,350,000
Mortgagors' escrow accounts	1,684,000	1,525,000
Operating lease liability	833,000	877,000
Accrued expenses and other liabilities	3,862,000	3,796,000
Total liabilities	287,087,000	287,389,000
Stockholders' Equity
Preferred Stock, $.01 par value, 10,000,000 shares authorized, none outstanding	0	0
Common Stock, $.01 par value, 90,000,000 shares authorized, 6,558,407 issued and outstanding as of December 31, 2024 and 6,621,152 issued and outstanding as of June 30, 2024	65,000	65,000
Additional paid-in capital	28,302,000	28,139,000
Treasury stock at cost, 74,235 and 11,490 shares at December 31, 2024 and June 30, 2024, respectively	(504,000)	(78,000)
Retained earnings	50,058,000	50,226,000
Accumulated other comprehensive loss	0	(1,000)
Unearned compensation - ESOP, 224,970 and 230,084 shares unallocated at December 31, 2024 and June 30, 2024, respectively	(2,250,000)	(2,301,000)
Total stockholders' equity	75,671,000	76,050,000
Total liabilities and stockholders' equity	$ 362,758,000	$ 363,439,000