Consumers Bancorp (CBKM) 10-Q 12 May 23 2023 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Mar. 31, 2023	May 10, 2023
Document Information [Line Items]
Entity Central Index Key	0001006830
Entity Registrant Name	CONSUMERS BANCORP INC /OH/
Amendment Flag	false
Current Fiscal Year End Date	--06-30
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Document Transition Report	false
Entity File Number	033-79130
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	34-1771400
Entity Address, Address Line One	614 East Lincoln Way, P.O. Box 256
Entity Address, City or Town	Minerva
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44657
City Area Code	330
Local Phone Number	868-7701
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		3,092,453

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 12,502	$ 11,254
Federal funds sold and interest-bearing deposits in financial institutions	12,705	9,698
Total cash and cash equivalents	25,207	20,952
Certificates of deposit in other financial institutions	2,757	3,781
Securities, available-for-sale	287,335	296,347
Securities, held-to-maturity (fair value of $6,939 at March 31, 2023 and $7,831 at June 30, 2022)	7,338	7,874
Equity securities, at fair value	386	400
Federal bank and other restricted stocks, at cost	2,255	2,525
Loans held for sale	999	1,165
Total loans	689,292	611,843
Less allowance for loan losses	(7,823)	(7,160)
Net loans	681,469	604,683
Cash surrender value of life insurance	10,155	9,959
Premises and equipment, net	17,327	16,521
Goodwill	2,452	2,452
Core deposit intangible, net	428	470
Accrued interest receivable and other assets	11,261	10,184
Total assets	1,049,369	977,313
LIABILITIES
Noninterest-bearing demand	258,913	257,665
Interest bearing demand	159,614	157,462
Savings	342,996	369,054
Time	192,876	102,381
Total deposits	954,399	886,562
Short-term borrowings	23,599	21,295
Federal Home Loan Bank advances	8,190	8,256
Accrued interest and other liabilities	6,888	7,230
Total liabilities	993,076	923,343
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 3,141,092 and 3,132,056 shares issued as of March 31, 2023 and June 30, 2022, respectively)	20,650	20,287
Retained earnings	63,317	56,906
Treasury stock, at cost (48,639 and 75,382 common shares as of March 31, 2023 and June 30, 2022, respectively)	(809)	(1,117)
Accumulated other comprehensive loss	(26,865)	(22,106)
Total shareholders’ equity	56,293	53,970
Total liabilities and shareholders’ equity	$ 1,049,369	$ 977,313

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Held-to-maturity securities, fair value	$ 6,939	$ 7,831
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	350,000	350,000
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	8,500,000	8,500,000
Common stock, shares issued (in shares)	3,141,092	3,132,056
Treasury stock, shares (in shares)	48,639	75,382

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income
Loans, including fees	$ 8,477	$ 6,775	$ 23,562	$ 21,340
Securities, taxable	1,343	903	3,892	2,420
Securities, tax-exempt	564	516	1,747	1,502
Equity securities	8	8	25	25
Federal bank and other restricted stocks	34	19	104	59
Federal funds sold and other interest-bearing deposits	95	31	291	124
Total interest and dividend income	10,521	8,252	29,621	25,470
Interest expense
Deposits	2,084	274	3,808	844
Short-term borrowings	120	1	274	4
Federal Home Loan Bank advances	88	62	138	189
Total interest expense	2,292	337	4,220	1,037
Net interest income	8,229	7,915	25,401	24,433
Provision for loan losses	160	85	795	545
Net interest income after provision for loan losses	8,069	7,830	24,606	23,888
Noninterest income
Mortgage banking activity	96	122	250	551
Bank owned life insurance income	66	63	196	193
Securities gains (losses), net	(2)	0	(17)	2
Net change in market value of equity securities	19	0	(14)	0
Other	79	81	265	259
Total noninterest income	1,176	1,120	3,462	3,614
Noninterest expenses
Salaries and employee benefits	3,512	3,400	10,542	9,916
Occupancy and equipment	783	792	2,364	2,228
Data processing expenses	195	198	579	604
Debit card processing expenses	275	246	824	773
Professional and director fees	210	162	797	664
FDIC assessments	159	159	398	429
Franchise taxes	97	137	379	403
Marketing and advertising	151	142	558	520
Telephone and network communications	88	90	270	292
Amortization of intangible	14	14	42	40
Other	560	497	1,689	1,449
Total noninterest expenses	6,044	5,837	18,442	17,318
Income before income taxes	3,201	3,113	9,626	10,184
Income tax expense	565	528	1,646	1,772
Net income	$ 2,636	$ 2,585	$ 7,980	$ 8,412
Basic and diluted earnings per share (in dollars per share)	$ 0.86	$ 0.85	$ 2.60	$ 2.77
Deposit Account [Member]
Noninterest income
Noninterest income (in scope of Topic 606)	$ 386	$ 362	$ 1,175	$ 1,086
Debit Card [Member]
Noninterest income
Noninterest income (in scope of Topic 606)	$ 532	$ 492	$ 1,607	$ 1,523

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Mar. 31, 2023		Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Net income	$ 2,636		$ 2,585	$ 7,980	$ 8,412
Other comprehensive income (loss), net of tax:
Unrealized holding gains on available-for-sale securities arising during the period, before tax	4,670		(16,891)	(6,041)	(19,379)
Reclassification adjustment for (gains) losses included in income	2	[1],[2]	0	17	(2)
Net unrealized gains (losses)	4,672		(16,891)	(6,024)	(19,381)
Income tax effect	(981)		3,548	1,265	4,070
Net current period other comprehensive gain, net	3,691		(13,343)	(4,759)	(15,311)
Total comprehensive income (loss)	$ 6,327		$ (10,758)	$ 3,221	$ (6,899)
[1]Income tax expense[2]Securities (gains) losses, net

Condensed Consolidated Statemen

Condensed Consolidated Statements of Changes In Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Treasury Stock, Common [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Jun. 30, 2021	$ 20,011	$ 47,663	$ (1,324)	$ 3,550	$ 69,900
Net income		8,412			8,412
Other comprehensive income (loss)				(15,311)	(15,311)
Shares issued associated with dividend reinvestment plan and stock purchase plan	116				116
Cash dividends declared		(1,460)			(1,460)
Shares associated with stock awards	102		207		309
Balance at Mar. 31, 2022	20,229	54,615	(1,117)	(11,761)	61,966
Balance at Dec. 31, 2021	20,175	52,518	(1,117)	1,582	73,158
Net income		2,585			2,585
Other comprehensive income (loss)				(13,343)	(13,343)
Shares issued associated with dividend reinvestment plan and stock purchase plan	54	0	0	0	54
Cash dividends declared		(488)			(488)
Balance at Mar. 31, 2022	20,229	54,615	(1,117)	(11,761)	61,966
Balance at Jun. 30, 2022	20,287	56,906	(1,117)	(22,106)	53,970
Net income		7,980			7,980
Other comprehensive income (loss)	0	0	0	(4,759)	(4,759)
Restricted stock expense	101	0		0	101
Shares issued associated with dividend reinvestment plan and stock purchase plan	177				177
Cash dividends declared		(1,569)			(1,569)
Shares associated with stock awards	85	0	308	0	393
Balance at Mar. 31, 2023	20,650	63,317	(809)	(26,865)	56,293
Balance at Dec. 31, 2022	20,557	61,205	(809)	(30,556)	50,397
Net income		2,636			2,636
Other comprehensive income (loss)	0	0	0	3,691	3,691
Restricted stock expense	34	0		0	34
Shares issued associated with dividend reinvestment plan and stock purchase plan	59				59
Cash dividends declared		(524)			(524)
Balance at Mar. 31, 2023	$ 20,650	$ 63,317	$ (809)	$ (26,865)	$ 56,293

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Changes In Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Shares issued associated with dividend reinvestment plan and stock purchase plan, shares (in shares)	3,092	2,260	9,036	5,081
Common stock, dividends, per share, declared (in dollars per share)	$ 0.17	$ 0.16	$ 0.51	$ 0.48
Shares associated with stock awards (in shares)			26,743	20,571

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities
Net cash from operating activities	$ 10,662	$ 11,723
Cash flow from investing activities
Purchases of securities, available-for-sale	(22,742)	(111,050)
Maturities, calls and principal pay downs of securities, available-for-sale	15,368	24,473
Sale of securities, available-for-sale	9,685	1,000
Principal pay downs of securities, held-to-maturity	536	976
Net decrease in certificates of deposit in other financial institutions	1,024	1,784
Net change in Federal Home Loan Bank stock, at cost	270	(53)
Net increase in loans	(77,592)	(17,327)
Acquisition, net cash received	0	66,552
Premises and equipment purchases	(1,650)	(1,147)
Disposal of premises and equipment	0	30
Sale of Other Real Estate Owned	0	83
Sale of other repossessed assets	11	0
Net cash from investing activities	(75,090)	(34,679)
Cash flow from financing activities
Net increase in deposit accounts	67,837	59,247
Net change in short-term borrowings	2,304	(369)
Proceeds from Federal Home Loan Bank advances	16,400	0
Repayments of Federal Home Loan Bank advances	(16,466)	(1,779)
Proceeds from dividend reinvestment and stock purchase plan	177	116
Dividends paid	(1,569)	(1,460)
Net cash from financing activities	68,683	55,755
Increase in cash or cash equivalents	4,255	32,799
Cash and cash equivalents, beginning of period	20,952	18,529
Cash and cash equivalents, end of period	25,207	51,328
Supplemental disclosure of cash flow information:
Interest	4,011	1,025
Federal income taxes	1,515	1,380
Non-cash items:
Transfer from loans to repossessed assets	11	83
Issuance of treasury stock for vested stock awards	393	309
Branch acquisition:
Goodwill	2,452
Net noncash liabilities assumed	0	(66,552)
CFBank Branches [Member]
Branch acquisition:
Securities, available-for-sale	0	15,602
Loans	0	19,943
Premises and equipment	0	413
Goodwill	0	1,616
Core deposit intangible	0	295
Accrued interest receivable and other assets	0	216
Total noncash assets acquired	0	38,085
Deposits	0	104,538
Other liabilities	0	99
Total liabilities assumed	$ 0	$ 104,637

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	Note 1 – Summary of Significant Accounting Policies Nature of Operations: Basis of Presentation 10 not 10 June 30, 2022. not may The consolidated financial statements include the accounts of the Corporation and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation. Segment Information: one Reclassifications: no Recently Issued Accounting Pronouncements Not June 2016, 2016 13, 326 326 2016 13 2016 13 December 15, 2019. December 15, 2018, July 2019, January 2023 October 16, 2019, December 15, 2022 The Corporation is evaluating how adopting this new guidance will impact the consolidated financial statements and the Corporation’s current systems and processes. Management has analyzed and finalized its pool segmentation, established the peer group that will be used as the source of loss experience data, and has started back testing in preparation for adoption of the new methodology. Management plans to use the Net Present Value of Discounted Cash Flow methodology for all loan pools and expects the implementation of ASU No. 2016 13 10%. not one In March 2022, 2022 02, 326 326 326 2016 13 December 15, 2022. not

Note 2 - Acquisition

Note 2 - Acquisition	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Business Combination Disclosure [Text Block]	Note 2 – Acquisition On July 16, 2021, two The following table summarizes the estimated fair values of the assets acquired and liabilities assumed by the Corporation at the date of the branch acquisition. The core deposit intangible will be amortized over ten not Assets acquired: Cash and cash equivalents $ 515 Securities, available-for-sale 15,602 Loans 19,943 Premises and equipment 413 Core deposit intangible 295 Accrued interest receivable 216 Total assets acquired 36,984 Liabilities assumed: Noninterest-bearing deposits 10,535 Interest-bearing deposits 94,003 Other liabilities 99 Total liabilities assumed 104,637 Fair value of net liabilities assumed (67,653 ) Cash received 66,037 Goodwill $ 1,616 The acquired assets and liabilities were measured at estimated fair values. Management made certain estimates and exercised judgement in accounting for the branch acquisition. The fair value of loans was estimated using discounted contractual cash flows. The book balance of the loans at the time of the branch acquisition was $20,325. The fair value disclosed above reflects a credit-related adjustment of $(388) and an adjustment for other factors of $6. Loans evidencing credit deterioration since origination, purchased credit impaired loans, included in loans receivable were immaterial. Acquisition costs of $144 pre-tax, or $118 after-tax, were recorded during the first 2022.

Note 3 - Securities

Note 3 - Securities	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 3 – Securities Debt securities The following tables summarize the Corporation’s debt securities as of March 31, 2023 June 30, 2022: Available for-Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2023 Obligations of U.S. Treasury $ 8,933 $ — $ (499 ) $ 8,434 Obligations of U.S. government-sponsored entities and agencies 30,600 8 (3,362 ) 27,246 Obligations of state and political subdivisions 99,955 185 (8,082 ) 92,058 U.S. Government-sponsored mortgage-backed securities–residential 106,444 21 (14,244 ) 92,221 U.S. Government-sponsored mortgage-backed securities– commercial 8,608 — (1,652 ) 6,956 U.S. Government-sponsored collateralized mortgage obligations– residential 49,577 51 (4,780 ) 44,848 Other debt securities 17,224 — (1,652 ) 15,572 Total securities available-for-sale $ 321,341 $ 265 $ (34,271 ) $ 287,335 Held-to-Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value March 31, 2023 Obligations of state and political subdivisions $ 7,338 $ — $ (399 ) $ 6,939 Available-for-sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value June 30, 2022 Obligation of U.S Treasury $ 8,909 $ — $ (462 ) $ 8,447 Obligations of U.S. government-sponsored entities and agencies 28,689 — (2,424 ) 26,265 Obligations of state and political subdivisions 105,977 129 (8,749 ) 97,357 U.S. Government-sponsored mortgage-backed securities – residential 113,812 13 (11,642 ) 102,183 U.S. Government-sponsored mortgage-backed securities – commercial 8,623 — (1,322 ) 7,301 U.S. Government-sponsored collateralized mortgage obligations – residential 40,952 1 (2,774 ) 38,179 Other debt securities 17,367 — (752 ) 16,615 Total available-for-sale securities $ 324,329 $ 143 $ (28,125 ) $ 296,347 Held-to-maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value June 30, 2022 Obligations of state and political subdivisions $ 7,874 $ 47 $ (90 ) $ 7,831 Proceeds from the sale of available-for-sale securities were as follows: Three Months Ended March 31, Nine Months Ended March 31, 2023 2022 2023 2022 Proceeds from sales $ 5,977 $ — $ 9,685 $ 1,000 Gross realized gains 35 — 43 2 Gross realized losses 37 — 60 — The income tax benefit related to the net realized loss amounted to $4 for the nine March 31, 2023. three March 31, 2023 nine March 31, 2022. The amortized cost and fair values of debt securities as of March 31, 2023, may not Available-for-Sale Amortized Cost Estimated Fair Value Due in one year or less $ 5,247 $ 5,121 Due after one year through five years 29,863 28,596 Due after five years through ten years 52,185 46,942 Due after ten years 69,417 62,651 Total 156,712 143,310 U.S. Government-sponsored mortgage-backed and related securities 164,629 144,025 Total securities available-for-sale $ 321,341 $ 287,335 Held-to-Maturity Due after one year through five years $ 171 $ 170 Due after five years through ten years 3,289 3,210 Due after ten years 3,878 3,559 Total securities held-to-maturity $ 7,338 $ 6,939 Securities with a carrying value of approximately $131,005 and $126,679 were pledged at March 31, 2023 June 30, 2022, The following table summarizes the securities with unrealized losses as of March 31, 2023 June 30, 2022, Less than 12 Months 12 Months or more Total Available-for-sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss March 31, 2023 Obligation of U.S. Treasury $ — $ — $ 8,434 $ (499 ) $ 8,434 $ (499 ) Obligations of U.S. government-sponsored entities and agencies 5,624 (346 ) 19,421 (3,016 ) 25,045 (3,362 ) Obligations of state and political subdivisions 31,090 (1,102 ) 46,129 (6,980 ) 77,219 (8,082 ) U.S. Government-sponsored mortgage-backed securities – residential 11,095 (742 ) 78,403 (13,502 ) 89,498 (14,244 ) U.S. Government-sponsored mortgage-backed securities – commercial — — 6,956 (1,652 ) 6,956 (1,652 ) Collateralized mortgage obligations - residential 22,560 (1,250 ) 16,697 (3,530 ) 39,257 (4,780 ) Other debt securities 940 (60 ) 14,632 (1,592 ) 15,572 (1,652 ) Total temporarily impaired $ 71,309 $ (3,500 ) $ 190,672 $ (30,771 ) $ 261,981 $ (34,271 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss March 31, 2023 Obligations of state and political subdivisions $ 3,729 $ (320 ) $ 3,210 $ (79 ) $ 6,939 $ (399 ) Total temporarily impaired $ 3,729 $ (320 ) $ 3,210 $ (79 ) $ 6,939 $ (399 ) Less than 12 Months 12 Months or more Total Available-for-sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2022 Obligations of U.S. Treasury $ 8,447 $ (462 ) $ — $ — $ 8,447 $ (462 ) Obligations of U.S. government-sponsored entities and agencies 26,265 (2,424 ) — — 26,265 (2,424 ) Obligations of state and political subdivisions 80,445 (8,331 ) 2,047 (418 ) 82,492 (8,749 ) Mortgage-backed securities – residential 76,526 (7,586 ) 24,569 (4,056 ) 101,095 (11,642 ) Mortgage-backed securities – commercial 7,301 (1,322 ) — — 7,301 (1,322 ) Collateralized mortgage obligations - residential 30,729 (2,308 ) 2,713 (466 ) 33,442 (2,774 ) Other debt securities 16,156 (711 ) 459 (41 ) 16,615 (752 ) Total temporarily impaired $ 245,869 $ (23,144 ) $ 29,788 $ (4,981 ) $ 275,657 $ (28,125 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2022 Obligations of state and political subdivisions $ 3,522 $ (90 ) — $ — $ 3,522 $ (90 ) Total temporarily impaired $ 3,522 $ (90 ) $ — $ — $ 3,522 $ (90 ) Management evaluates securities for other-than-temporary impairment (OTTI) on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The securities portfolio is evaluated for OTTI by segregating the portfolio into two 320, Accounting for Certain Investments in Debt and Equity Securities In determining OTTI under the ASC Topic 320 1 2 3 4 not At March 31, 2023, March 31, 2023, not not not not not March 31, 2023, Equity Securities The Corporation owned equity securities with an amortized cost of $400 as of March 31, 2023, June 30, 2022. three nine March 31, 2023 2022. three nine March 31, 2023 2022. Three Months Ended March 31, Nine Months Ended March 31, 2023 2022 2023 2022 Unrealized gain (loss) recognized on equity securities held at the end of the period $ 19 $ — $ (14 ) $ —

Note 4 - Loans

Note 4 - Loans	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 4 – Loans Major classifications of loans were as follows: March 31, 2023 June 30, 2022 Commercial $ 99,203 $ 87,008 Commercial real estate: Construction 18,340 15,158 Other 319,955 291,847 1 – 4 Family residential real estate: Owner occupied 153,760 142,244 Non-owner occupied 24,254 26,029 Construction 7,264 4,317 Consumer 66,290 44,964 Subtotal 689,066 611,567 Net deferred loan fees and costs 226 276 Allowance for loan losses (7,823 ) (7,160 ) Net Loans $ 681,469 $ 604,683 The following table presents the activity in the allowance for loan losses by portfolio segment for the three March 31, 2023: 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 1,006 $ 4,084 $ 1,677 $ 908 $ 7,675 Provision for loan losses 132 (103 ) 70 61 160 Loans charged-off — — — (56 ) (56 ) Recoveries — — — 44 44 Total ending allowance balance $ 1,138 $ 3,981 $ 1,747 $ 957 $ 7,823 The following table presents the activity in the allowance for loan losses by portfolio segment for the nine March 31, 2023: 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 960 $ 3,927 $ 1,645 $ 628 $ 7,160 Provision for loan losses 178 53 106 458 795 Loans charged-off — — (6 ) (247 ) (253 ) Recoveries — 1 2 118 121 Total ending allowance balance $ 1,138 $ 3,981 $ 1,747 $ 957 $ 7,823 The following table presents the activity in the allowance for loan losses by portfolio segment for the three March 31, 2022: 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 976 $ 4,049 $ 1,490 $ 417 $ 6,932 Provision for loan losses 48 (58 ) (16 ) 111 85 Loans charged-off — — (1 ) (30 ) (31 ) Recoveries 2 — — 9 11 Total ending allowance balance $ 1,026 $ 3,991 $ 1,473 $ 507 $ 6,997 The following table presents the activity in the allowance for loan losses by portfolio segment for the nine March 31, 2022: 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 904 $ 3,949 $ 1,307 $ 311 $ 6,471 Provision for loan losses 99 40 191 215 545 Loans charged-off — — (41 ) (77 ) (118 ) Recoveries 23 2 16 58 99 Total ending allowance balance $ 1,026 $ 3,991 $ 1,473 $ 507 $ 6,997 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2023. 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Ending allowance for loan losses balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment — 42 75 — 117 Originated loans collectively evaluated for impairment 1,138 3,939 1,672 957 7,706 Total ending allowance balance $ 1,138 $ 3,981 $ 1,747 $ 957 $ 7,823 Recorded investment in loans: Loans individually evaluated for impairment $ 315 $ 38 $ 45 $ — $ 398 Acquired loans collectively evaluated for impairment 650 7,443 23,778 1,605 33,476 Originated loans collectively evaluated for impairment 98,501 330,864 162,953 64,661 656,979 Total ending loans balance $ 99,466 $ 338,345 $ 186,776 $ 66,266 $ 690,853 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2022. 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment 1 62 85 — 148 Originated loans collectively evaluated for impairment 959 3,865 1,560 628 7,012 Total ending allowance balance $ 960 $ 3,927 $ 1,645 $ 628 $ 7,160 Recorded investment in loans: Loans individually evaluated for impairment $ 276 $ 42 $ 155 $ — $ 473 Acquired loans collectively evaluated for impairment 665 10,095 27,731 3,051 41,542 Originated loans collectively evaluated for impairment 86,310 296,776 146,058 41,898 571,042 Total ending loans balance $ 87,251 $ 306,913 $ 173,944 $ 44,949 $ 613,057 The following table presents information related to unpaid principal balance, recorded investment and interest income associated with loans individually evaluated for impairment by class of loans as of March 31, 2023 nine March 31, 2023: As of March 31, 2023 Nine Months ended March 31, 2023 Unpaid Allowance for Loan Average Interest Cash Basis Principal Recorded Losses Recorded Income Interest Balance Investment Allocated Investment Recognized Recognized With no related allowance recorded: Commercial $ 407 $ 315 $ — $ 303 $ 27 $ 27 Commercial real estate: Other 78 38 — 40 5 5 1-4 Family residential real estate: Owner occupied 44 18 — 20 2 2 Non-owner occupied 27 27 — 42 — — Total $ 556 $ 398 $ — $ 405 $ 34 $ 34 The following table presents information related to average recorded investment and interest income associated with loans individually evaluated for impairment by class of loans for the three March 31, 2023: Average Interest Cash Basis Recorded Income Interest Investment Recognized Recognized With no related allowance recorded: Commercial $ 315 $ 9 $ 9 Commercial real estate: Other 39 1 1 1-4 Family residential real estate: Owner occupied 18 — — Non-owner occupied 27 — — Total $ 399 $ 10 $ 10 The following table presents information related to unpaid principal balance, recorded investment and interest income associated with loans individually evaluated for impairment by class of loans as of June 30, 2022 nine March 31, 2022: As of June 30, 2022 Nine Months ended March 31, 2022 Unpaid Allowance for Loan Average Interest Cash Basis Principal Recorded Losses Recorded Income Interest Balance Investment Allocated Investment Recognized Recognized With no related allowance recorded: Commercial $ 414 $ 276 $ — $ 294 $ — $ — Commercial real estate: Other 83 42 — 620 104 104 1-4 Family residential real estate: Owner occupied 48 22 — 242 4 4 Non-owner occupied 193 133 — 114 75 75 With an allowance recorded: Commercial — — — 126 6 6 Total $ 738 $ 473 $ — $ 1,396 $ 189 $ 189 The following table presents information related to average recorded investment and interest income associated with loans individually evaluated for impairment by class of loans for the three March 31, 2022: Average Interest Cash Basis Recorded Income Interest Investment Recognized Recognized With no related allowance recorded: Commercial $ 289 $ — $ — Commercial real estate: Other 255 2 2 1-4 Family residential real estate: Owner occupied 91 1 1 Non-owner occupied 13 — — With an allowance recorded: Commercial 120 2 2 Total $ 768 $ 5 $ 5 The following table presents the recorded investment in non-accrual and loans past due over 90 March 31, 2023 June 30, 2022: March 31, 2023 June 30, 2022 Loans Past Due Loans Past Due Over 90 Days Over 90 Days Still Still Non-accrual Accruing Non-accrual Accruing Commercial $ — $ — $ 276 $ 9 Commercial Real Estate: Other — 53 — — 1 – 4 Family residential: Owner occupied 18 — 22 — Non-owner occupied 27 — 133 — Consumer — 100 — — Total $ 45 $ 153 $ 431 $ 9 Non-accrual loans and loans past due 90 The following table presents the aging of the recorded investment in past due loans as of March 31, 2023 Days Past Due 30 –59 60 - 89 90 Days or Total Loans Not Days Days Greater Past Due Past Due Total Commercial $ — $ — $ — $ — $ 99,466 $ 99,466 Commercial real estate: Construction — — — — 18,361 18,361 Other — — 53 53 319,931 319,984 1-4 Family residential: Owner occupied 522 127 — 649 154,527 155,176 Non-owner occupied 3 — 27 30 24,235 24,265 Construction — — — — 7,335 7,335 Consumer 352 99 100 551 65,715 66,266 Total $ 877 $ 226 $ 180 $ 1,283 $ 689,570 $ 690,853 The above table of past due loans includes the recorded investment in non-accrual loans of $27 in the 90 not The following table presents the aging of the recorded investment in past due loans as of June 30, 2022 Days Past Due 30 – 59 60 - 89 90 Days or Total Loans Not Days Days Greater Past Due Past Due Total Commercial $ — $ — $ 9 $ 9 $ 87,242 $ 87,251 Commercial real estate: Construction — — — — 15,138 15,138 Other 52 — — 52 291,723 291,775 1-4 Family residential: Owner occupied 125 — — 125 143,381 143,506 Non-owner occupied — — 27 27 26,036 26,063 Construction — — — — 4,375 4,375 Consumer 381 79 — 460 44,489 44,949 Total $ 558 $ 79 $ 36 $ 673 $ 612,384 $ 613,057 The above table of past due loans includes the recorded investment in non-accrual loans of $27 in the 90 not Troubled Debt Restructurings: The Corporation has certain loans that have been modified in order to maximize collection of loan balances that are classified as TDRs. A modified loan is usually classified as a TDR if, for economic reasons, management grants a concession to the original terms and conditions of the loan to a borrower who is experiencing financial difficulties that it would not As of March 31, 2023 June 30, 2022, March 31, 2023 June 30, 2022, not March 31, 2023 June 30, 2022 no During the three nine March 31, 2023 2022, three nine March 31, 2023 2022. There were no loans classified as troubled debt restructurings for which there was a payment default within 12 three nine March 31, 2023 2022. 90 Credit Quality Indicators: The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, current economic trends and other relevant information. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes loans with a total outstanding loan relationship greater than $100 and non-homogeneous loans, such as commercial and commercial real estate loans. Management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt and affirms the risk ratings for the loans and leases in their respective portfolio on an annual basis. The Corporation uses the following definitions for risk ratings: Special Mention. may Substandard. not Doubtful. Loans not not $100 1 4 not As of March 31, 2023 Special Not Pass Mention Substandard Doubtful Rated Commercial $ 97,687 $ 1,059 $ 556 $ — $ 164 Commercial real estate: Construction 18,361 — — — — Other 311,540 3,452 4,352 — 640 1-4 Family residential real estate: Owner occupied 2,272 — 18 18 152,868 Non-owner occupied 23,818 53 109 27 258 Construction 2,860 — — — 4,475 Consumer 1,646 — — — 64,620 Total $ 458,184 $ 4,564 $ 5,035 $ 45 $ 223,025 As of June 30, 2022, As of June 30, 2022 Special Not Pass Mention Substandard Doubtful Rated Commercial $ 86,265 $ 350 $ 178 $ 276 $ 182 Commercial real estate: Construction 15,138 — — — — Other 283,877 2,500 4,711 — 687 1-4 Family residential real estate: Owner occupied 1,321 — — 22 142,163 Non-owner occupied 25,606 59 — 133 265 Construction 1,234 — — — 3,141 Consumer 605 — — — 44,344 Total $ 414,046 $ 2,909 $ 4,889 $ 431 $ 190,782

Note 5 - Fair Value

Note 5 - Fair Value	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 5 Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three may Level 1: Level 2: 1 not Level 3: Financial assets and financial liabilities measured at fair value on a recurring basis include the following: Securities available-for-sale: 1 not 2 not 3 Assets and liabilities measured at fair value on a recurring basis are summarized below, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Balance at March 31, Fair Value Measurements at March 31, 2023 2023 Level 1 Level 2 Level 3 Assets: Obligations of U.S. Treasury $ 8,434 $ — $ 8,434 $ — Obligations of U.S. government-sponsored entities and agencies 27,246 — 27,246 — Obligations of state and political subdivisions 92,058 — 92,058 — U.S. Government-sponsored mortgage-backed securities – residential 92,221 — 92,221 — U.S. Government-sponsored mortgage-backed securities – commercial 6,956 — 6,956 — U.S. Government-sponsored collateralized mortgage obligations - residential 44,848 — 44,848 — Other debt securities 15,572 — 15,572 — Equity securities 386 — 386 — Balance at June 30, Fair Value Measurements at June 30, 2022 2022 Level 1 Level 2 Level 3 Assets: Obligations of U.S. treasury $ 8,447 $ — $ 8,447 $ — Obligations of U.S. government-sponsored entities and agencies 26,265 — 26,265 — Obligations of state and political subdivisions 97,357 — 97,357 — U.S. government-sponsored mortgage-backed securities - residential 102,183 — 102,183 — U.S. government-sponsored mortgage-backed securities - commercial 7,301 — 7,301 — U.S. government-sponsored collateralized mortgage obligations - residential 38,179 — 38,179 — Other debt securities 16,615 — 16,615 — Equity securities 400 — 400 — There were no 1 2 three nine March 31, 2023. Certain assets and liabilities are measured at fair value on a non-recurring basis; that is, the instruments are not Impaired Loans: may 3 March 31, 2023 June 30, 2022 three nine March 31, 2023 2022. Other Real Estate and Repossessed Assets Owned: March 31, 2023 June 30, 2022. The following table shows the estimated fair values of financial instruments that are reported at amortized cost in the Corporation’s consolidated balance sheets, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2023 June 30, 2022 Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Financial Assets: Level 1 inputs: Cash and cash equivalents $ 25,207 $ 25,207 $ 20,952 $ 20,952 Level 2 inputs: Certificates of deposit in other financial institutions 2,757 2,660 3,781 3,847 Loans held for sale 999 1,015 1,165 1,188 Accrued interest receivable 3,020 3,020 2,703 2,703 Level 3 inputs: Securities held-to-maturity 7,338 6,939 7,874 7,831 Loans, net 681,469 627,732 604,683 577,708 Financial Liabilities: Level 2 inputs: Demand and savings deposits 761,523 761,523 784,181 784,181 Time deposits 192,876 189,745 102,381 102,622 Short-term borrowings 23,599 23,599 21,295 21,295 Federal Home Loan Bank advances 8,190 7,156 8,256 7,215 Accrued interest payable 258 258 49 49

Note 6 - Earnings Per Share

Note 6 - Earnings Per Share	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 6 – Earnings Per Share Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period and is equal to net income divided by the weighted average number of shares outstanding during the period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares that may three nine March 31, 2023. three March 31, 2022 nine March 31, 2022. For the Three Months Ended March 31, For the Nine Months Ended March 31, 2023 2022 2023 2022 Basic: Net income available to common shareholders $ 2,636 $ 2,585 $ 7,980 $ 8,412 Weighted average common shares outstanding 3,078,595 3,039,049 3,072,336 3,036,473 Basic income per share $ 0.86 $ 0.85 $ 2.60 $ 2.77 Diluted: Net income available to common shareholders $ 2,636 $ 2,585 $ 7,980 $ 8,412 Weighted average common shares outstanding 3,078,595 3,039,049 3,072,336 3,036,473 Dilutive effect of restricted stock 1,218 503 — 275 Total common shares and dilutive potential common shares 3,079,813 3,039,552 3,072,336 3,036,748 Dilutive income per share $ 0.86 $ 0.85 $ 2.60 $ 2.77

Note 7 - Accumulated Other Comp

Note 7 - Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 7 – Accumulated Other Comprehensive Income (Loss) The components of other comprehensive income related to unrealized gains and losses on available-for-sale securities for the three March 31, 2023 2022, Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of December 31, 2022 $ (38,678 ) $ 8,122 $ (30,556 ) Unrealized holding gains on available-for-sale securities arising during the period 4,670 (981 ) 3,689 Amounts reclassified from accumulated other comprehensive income 2 — 2 (a)(b) Net current period other comprehensive gain 4,672 (981 ) 3,691 Balance as of March 31, 2023 $ (34,006 ) $ 7,141 $ (26,865 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of December 31, 2021 $ 2,003 $ (421 ) $ 1,582 Net current period other comprehensive loss (16,891 ) 3,548 (13,343 ) (a)(b) Balance as of March 31, 2022 $ (14,888 ) $ 3,127 $ (11,761 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2022 $ (27,982 ) $ 5,876 $ (22,106 ) Unrealized holding losses on available-for-sale securities arising during the period (6,041 ) 1,269 (4,772 ) Amounts reclassified from accumulated other comprehensive income 17 (4 ) 13 (a)(b) Net current period other comprehensive loss (6,024 ) 1,265 (4,759 ) Balance as of March 31, 2023 $ (34,006 ) $ 7,141 $ (26,865 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2021 $ 4,493 $ (943 ) $ 3,550 Unrealized holding losses on available-for-sale securities arising during the period (19,379 ) 4,070 (15,309 ) Amounts reclassified from accumulated other comprehensive income (2 ) — (2 ) (a)(b) Net current period other comprehensive loss (19,381 ) 4,070 (15,311 ) Balance as of March 31, 2022 $ (14,888 ) $ 3,127 $ (11,761 ) (a) Securities (gains) losses, net (b) Income tax expense

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Mar. 31, 2023
Accounting Policies [Abstract]
Nature of Operations [Policy Text Block]	Nature of Operations:
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation 10 not 10 June 30, 2022. not may The consolidated financial statements include the accounts of the Corporation and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation.
Segment Reporting, Policy [Policy Text Block]	Segment Information: one
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications: no
New Accounting Pronouncements, Policy [Policy Text Block]	Recently Issued Accounting Pronouncements Not June 2016, 2016 13, 326 326 2016 13 2016 13 December 15, 2019. December 15, 2018, July 2019, January 2023 October 16, 2019, December 15, 2022 The Corporation is evaluating how adopting this new guidance will impact the consolidated financial statements and the Corporation’s current systems and processes. Management has analyzed and finalized its pool segmentation, established the peer group that will be used as the source of loss experience data, and has started back testing in preparation for adoption of the new methodology. Management plans to use the Net Present Value of Discounted Cash Flow methodology for all loan pools and expects the implementation of ASU No. 2016 13 10%. not one In March 2022, 2022 02, 326 326 326 2016 13 December 15, 2022. not

Note 2 - Acquisition (Tables)

Note 2 - Acquisition (Tables)	9 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]	Assets acquired: Cash and cash equivalents $ 515 Securities, available-for-sale 15,602 Loans 19,943 Premises and equipment 413 Core deposit intangible 295 Accrued interest receivable 216 Total assets acquired 36,984 Liabilities assumed: Noninterest-bearing deposits 10,535 Interest-bearing deposits 94,003 Other liabilities 99 Total liabilities assumed 104,637 Fair value of net liabilities assumed (67,653 ) Cash received 66,037 Goodwill $ 1,616

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	9 Months Ended
	Mar. 31, 2023
Notes Tables
Marketable Securities [Table Text Block]	Available for-Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2023 Obligations of U.S. Treasury $ 8,933 $ — $ (499 ) $ 8,434 Obligations of U.S. government-sponsored entities and agencies 30,600 8 (3,362 ) 27,246 Obligations of state and political subdivisions 99,955 185 (8,082 ) 92,058 U.S. Government-sponsored mortgage-backed securities–residential 106,444 21 (14,244 ) 92,221 U.S. Government-sponsored mortgage-backed securities– commercial 8,608 — (1,652 ) 6,956 U.S. Government-sponsored collateralized mortgage obligations– residential 49,577 51 (4,780 ) 44,848 Other debt securities 17,224 — (1,652 ) 15,572 Total securities available-for-sale $ 321,341 $ 265 $ (34,271 ) $ 287,335 Held-to-Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value March 31, 2023 Obligations of state and political subdivisions $ 7,338 $ — $ (399 ) $ 6,939 Available-for-sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value June 30, 2022 Obligation of U.S Treasury $ 8,909 $ — $ (462 ) $ 8,447 Obligations of U.S. government-sponsored entities and agencies 28,689 — (2,424 ) 26,265 Obligations of state and political subdivisions 105,977 129 (8,749 ) 97,357 U.S. Government-sponsored mortgage-backed securities – residential 113,812 13 (11,642 ) 102,183 U.S. Government-sponsored mortgage-backed securities – commercial 8,623 — (1,322 ) 7,301 U.S. Government-sponsored collateralized mortgage obligations – residential 40,952 1 (2,774 ) 38,179 Other debt securities 17,367 — (752 ) 16,615 Total available-for-sale securities $ 324,329 $ 143 $ (28,125 ) $ 296,347 Held-to-maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value June 30, 2022 Obligations of state and political subdivisions $ 7,874 $ 47 $ (90 ) $ 7,831
Schedule of Realized Gain (Loss) [Table Text Block]	Three Months Ended March 31, Nine Months Ended March 31, 2023 2022 2023 2022 Proceeds from sales $ 5,977 $ — $ 9,685 $ 1,000 Gross realized gains 35 — 43 2 Gross realized losses 37 — 60 —
Investments Classified by Contractual Maturity Date [Table Text Block]	Available-for-Sale Amortized Cost Estimated Fair Value Due in one year or less $ 5,247 $ 5,121 Due after one year through five years 29,863 28,596 Due after five years through ten years 52,185 46,942 Due after ten years 69,417 62,651 Total 156,712 143,310 U.S. Government-sponsored mortgage-backed and related securities 164,629 144,025 Total securities available-for-sale $ 321,341 $ 287,335 Held-to-Maturity Due after one year through five years $ 171 $ 170 Due after five years through ten years 3,289 3,210 Due after ten years 3,878 3,559 Total securities held-to-maturity $ 7,338 $ 6,939
Schedule of Unrealized Loss on Investments [Table Text Block]	Less than 12 Months 12 Months or more Total Available-for-sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss March 31, 2023 Obligation of U.S. Treasury $ — $ — $ 8,434 $ (499 ) $ 8,434 $ (499 ) Obligations of U.S. government-sponsored entities and agencies 5,624 (346 ) 19,421 (3,016 ) 25,045 (3,362 ) Obligations of state and political subdivisions 31,090 (1,102 ) 46,129 (6,980 ) 77,219 (8,082 ) U.S. Government-sponsored mortgage-backed securities – residential 11,095 (742 ) 78,403 (13,502 ) 89,498 (14,244 ) U.S. Government-sponsored mortgage-backed securities – commercial — — 6,956 (1,652 ) 6,956 (1,652 ) Collateralized mortgage obligations - residential 22,560 (1,250 ) 16,697 (3,530 ) 39,257 (4,780 ) Other debt securities 940 (60 ) 14,632 (1,592 ) 15,572 (1,652 ) Total temporarily impaired $ 71,309 $ (3,500 ) $ 190,672 $ (30,771 ) $ 261,981 $ (34,271 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss March 31, 2023 Obligations of state and political subdivisions $ 3,729 $ (320 ) $ 3,210 $ (79 ) $ 6,939 $ (399 ) Total temporarily impaired $ 3,729 $ (320 ) $ 3,210 $ (79 ) $ 6,939 $ (399 ) Less than 12 Months 12 Months or more Total Available-for-sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2022 Obligations of U.S. Treasury $ 8,447 $ (462 ) $ — $ — $ 8,447 $ (462 ) Obligations of U.S. government-sponsored entities and agencies 26,265 (2,424 ) — — 26,265 (2,424 ) Obligations of state and political subdivisions 80,445 (8,331 ) 2,047 (418 ) 82,492 (8,749 ) Mortgage-backed securities – residential 76,526 (7,586 ) 24,569 (4,056 ) 101,095 (11,642 ) Mortgage-backed securities – commercial 7,301 (1,322 ) — — 7,301 (1,322 ) Collateralized mortgage obligations - residential 30,729 (2,308 ) 2,713 (466 ) 33,442 (2,774 ) Other debt securities 16,156 (711 ) 459 (41 ) 16,615 (752 ) Total temporarily impaired $ 245,869 $ (23,144 ) $ 29,788 $ (4,981 ) $ 275,657 $ (28,125 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2022 Obligations of state and political subdivisions $ 3,522 $ (90 ) — $ — $ 3,522 $ (90 ) Total temporarily impaired $ 3,522 $ (90 ) $ — $ — $ 3,522 $ (90 )
Unrealized Gain (Loss) on Investments [Table Text Block]	Three Months Ended March 31, Nine Months Ended March 31, 2023 2022 2023 2022 Unrealized gain (loss) recognized on equity securities held at the end of the period $ 19 $ — $ (14 ) $ —

Note 4 - Loans (Tables)

Note 4 - Loans (Tables)	9 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, 2023 June 30, 2022 Commercial $ 99,203 $ 87,008 Commercial real estate: Construction 18,340 15,158 Other 319,955 291,847 1 – 4 Family residential real estate: Owner occupied 153,760 142,244 Non-owner occupied 24,254 26,029 Construction 7,264 4,317 Consumer 66,290 44,964 Subtotal 689,066 611,567 Net deferred loan fees and costs 226 276 Allowance for loan losses (7,823 ) (7,160 ) Net Loans $ 681,469 $ 604,683
Financing Receivable, Allowance for Credit Loss [Table Text Block]	1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 1,006 $ 4,084 $ 1,677 $ 908 $ 7,675 Provision for loan losses 132 (103 ) 70 61 160 Loans charged-off — — — (56 ) (56 ) Recoveries — — — 44 44 Total ending allowance balance $ 1,138 $ 3,981 $ 1,747 $ 957 $ 7,823 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 960 $ 3,927 $ 1,645 $ 628 $ 7,160 Provision for loan losses 178 53 106 458 795 Loans charged-off — — (6 ) (247 ) (253 ) Recoveries — 1 2 118 121 Total ending allowance balance $ 1,138 $ 3,981 $ 1,747 $ 957 $ 7,823 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 976 $ 4,049 $ 1,490 $ 417 $ 6,932 Provision for loan losses 48 (58 ) (16 ) 111 85 Loans charged-off — — (1 ) (30 ) (31 ) Recoveries 2 — — 9 11 Total ending allowance balance $ 1,026 $ 3,991 $ 1,473 $ 507 $ 6,997 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Beginning balance $ 904 $ 3,949 $ 1,307 $ 311 $ 6,471 Provision for loan losses 99 40 191 215 545 Loans charged-off — — (41 ) (77 ) (118 ) Recoveries 23 2 16 58 99 Total ending allowance balance $ 1,026 $ 3,991 $ 1,473 $ 507 $ 6,997 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Ending allowance for loan losses balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment — 42 75 — 117 Originated loans collectively evaluated for impairment 1,138 3,939 1,672 957 7,706 Total ending allowance balance $ 1,138 $ 3,981 $ 1,747 $ 957 $ 7,823 Recorded investment in loans: Loans individually evaluated for impairment $ 315 $ 38 $ 45 $ — $ 398 Acquired loans collectively evaluated for impairment 650 7,443 23,778 1,605 33,476 Originated loans collectively evaluated for impairment 98,501 330,864 162,953 64,661 656,979 Total ending loans balance $ 99,466 $ 338,345 $ 186,776 $ 66,266 $ 690,853 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment 1 62 85 — 148 Originated loans collectively evaluated for impairment 959 3,865 1,560 628 7,012 Total ending allowance balance $ 960 $ 3,927 $ 1,645 $ 628 $ 7,160 Recorded investment in loans: Loans individually evaluated for impairment $ 276 $ 42 $ 155 $ — $ 473 Acquired loans collectively evaluated for impairment 665 10,095 27,731 3,051 41,542 Originated loans collectively evaluated for impairment 86,310 296,776 146,058 41,898 571,042 Total ending loans balance $ 87,251 $ 306,913 $ 173,944 $ 44,949 $ 613,057
Impaired Financing Receivables [Table Text Block]	As of March 31, 2023 Nine Months ended March 31, 2023 Unpaid Allowance for Loan Average Interest Cash Basis Principal Recorded Losses Recorded Income Interest Balance Investment Allocated Investment Recognized Recognized With no related allowance recorded: Commercial $ 407 $ 315 $ — $ 303 $ 27 $ 27 Commercial real estate: Other 78 38 — 40 5 5 1-4 Family residential real estate: Owner occupied 44 18 — 20 2 2 Non-owner occupied 27 27 — 42 — — Total $ 556 $ 398 $ — $ 405 $ 34 $ 34 Average Interest Cash Basis Recorded Income Interest Investment Recognized Recognized With no related allowance recorded: Commercial $ 315 $ 9 $ 9 Commercial real estate: Other 39 1 1 1-4 Family residential real estate: Owner occupied 18 — — Non-owner occupied 27 — — Total $ 399 $ 10 $ 10 As of June 30, 2022 Nine Months ended March 31, 2022 Unpaid Allowance for Loan Average Interest Cash Basis Principal Recorded Losses Recorded Income Interest Balance Investment Allocated Investment Recognized Recognized With no related allowance recorded: Commercial $ 414 $ 276 $ — $ 294 $ — $ — Commercial real estate: Other 83 42 — 620 104 104 1-4 Family residential real estate: Owner occupied 48 22 — 242 4 4 Non-owner occupied 193 133 — 114 75 75 With an allowance recorded: Commercial — — — 126 6 6 Total $ 738 $ 473 $ — $ 1,396 $ 189 $ 189 Average Interest Cash Basis Recorded Income Interest Investment Recognized Recognized With no related allowance recorded: Commercial $ 289 $ — $ — Commercial real estate: Other 255 2 2 1-4 Family residential real estate: Owner occupied 91 1 1 Non-owner occupied 13 — — With an allowance recorded: Commercial 120 2 2 Total $ 768 $ 5 $ 5
Financing Receivable, Past Due [Table Text Block]	March 31, 2023 June 30, 2022 Loans Past Due Loans Past Due Over 90 Days Over 90 Days Still Still Non-accrual Accruing Non-accrual Accruing Commercial $ — $ — $ 276 $ 9 Commercial Real Estate: Other — 53 — — 1 – 4 Family residential: Owner occupied 18 — 22 — Non-owner occupied 27 — 133 — Consumer — 100 — — Total $ 45 $ 153 $ 431 $ 9 Days Past Due 30 –59 60 - 89 90 Days or Total Loans Not Days Days Greater Past Due Past Due Total Commercial $ — $ — $ — $ — $ 99,466 $ 99,466 Commercial real estate: Construction — — — — 18,361 18,361 Other — — 53 53 319,931 319,984 1-4 Family residential: Owner occupied 522 127 — 649 154,527 155,176 Non-owner occupied 3 — 27 30 24,235 24,265 Construction — — — — 7,335 7,335 Consumer 352 99 100 551 65,715 66,266 Total $ 877 $ 226 $ 180 $ 1,283 $ 689,570 $ 690,853 Days Past Due 30 – 59 60 - 89 90 Days or Total Loans Not Days Days Greater Past Due Past Due Total Commercial $ — $ — $ 9 $ 9 $ 87,242 $ 87,251 Commercial real estate: Construction — — — — 15,138 15,138 Other 52 — — 52 291,723 291,775 1-4 Family residential: Owner occupied 125 — — 125 143,381 143,506 Non-owner occupied — — 27 27 26,036 26,063 Construction — — — — 4,375 4,375 Consumer 381 79 — 460 44,489 44,949 Total $ 558 $ 79 $ 36 $ 673 $ 612,384 $ 613,057
Financing Receivable Credit Quality Indicators [Table Text Block]	As of March 31, 2023 Special Not Pass Mention Substandard Doubtful Rated Commercial $ 97,687 $ 1,059 $ 556 $ — $ 164 Commercial real estate: Construction 18,361 — — — — Other 311,540 3,452 4,352 — 640 1-4 Family residential real estate: Owner occupied 2,272 — 18 18 152,868 Non-owner occupied 23,818 53 109 27 258 Construction 2,860 — — — 4,475 Consumer 1,646 — — — 64,620 Total $ 458,184 $ 4,564 $ 5,035 $ 45 $ 223,025 As of June 30, 2022 Special Not Pass Mention Substandard Doubtful Rated Commercial $ 86,265 $ 350 $ 178 $ 276 $ 182 Commercial real estate: Construction 15,138 — — — — Other 283,877 2,500 4,711 — 687 1-4 Family residential real estate: Owner occupied 1,321 — — 22 142,163 Non-owner occupied 25,606 59 — 133 265 Construction 1,234 — — — 3,141 Consumer 605 — — — 44,344 Total $ 414,046 $ 2,909 $ 4,889 $ 431 $ 190,782

Note 5 - Fair Value (Tables)

Note 5 - Fair Value (Tables)	9 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Balance at March 31, Fair Value Measurements at March 31, 2023 2023 Level 1 Level 2 Level 3 Assets: Obligations of U.S. Treasury $ 8,434 $ — $ 8,434 $ — Obligations of U.S. government-sponsored entities and agencies 27,246 — 27,246 — Obligations of state and political subdivisions 92,058 — 92,058 — U.S. Government-sponsored mortgage-backed securities – residential 92,221 — 92,221 — U.S. Government-sponsored mortgage-backed securities – commercial 6,956 — 6,956 — U.S. Government-sponsored collateralized mortgage obligations - residential 44,848 — 44,848 — Other debt securities 15,572 — 15,572 — Equity securities 386 — 386 — Balance at June 30, Fair Value Measurements at June 30, 2022 2022 Level 1 Level 2 Level 3 Assets: Obligations of U.S. treasury $ 8,447 $ — $ 8,447 $ — Obligations of U.S. government-sponsored entities and agencies 26,265 — 26,265 — Obligations of state and political subdivisions 97,357 — 97,357 — U.S. government-sponsored mortgage-backed securities - residential 102,183 — 102,183 — U.S. government-sponsored mortgage-backed securities - commercial 7,301 — 7,301 — U.S. government-sponsored collateralized mortgage obligations - residential 38,179 — 38,179 — Other debt securities 16,615 — 16,615 — Equity securities 400 — 400 —
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2023 June 30, 2022 Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Financial Assets: Level 1 inputs: Cash and cash equivalents $ 25,207 $ 25,207 $ 20,952 $ 20,952 Level 2 inputs: Certificates of deposit in other financial institutions 2,757 2,660 3,781 3,847 Loans held for sale 999 1,015 1,165 1,188 Accrued interest receivable 3,020 3,020 2,703 2,703 Level 3 inputs: Securities held-to-maturity 7,338 6,939 7,874 7,831 Loans, net 681,469 627,732 604,683 577,708 Financial Liabilities: Level 2 inputs: Demand and savings deposits 761,523 761,523 784,181 784,181 Time deposits 192,876 189,745 102,381 102,622 Short-term borrowings 23,599 23,599 21,295 21,295 Federal Home Loan Bank advances 8,190 7,156 8,256 7,215 Accrued interest payable 258 258 49 49

Note 6 - Earnings Per Share (Ta

Note 6 - Earnings Per Share (Tables)	9 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended March 31, For the Nine Months Ended March 31, 2023 2022 2023 2022 Basic: Net income available to common shareholders $ 2,636 $ 2,585 $ 7,980 $ 8,412 Weighted average common shares outstanding 3,078,595 3,039,049 3,072,336 3,036,473 Basic income per share $ 0.86 $ 0.85 $ 2.60 $ 2.77 Diluted: Net income available to common shareholders $ 2,636 $ 2,585 $ 7,980 $ 8,412 Weighted average common shares outstanding 3,078,595 3,039,049 3,072,336 3,036,473 Dilutive effect of restricted stock 1,218 503 — 275 Total common shares and dilutive potential common shares 3,079,813 3,039,552 3,072,336 3,036,748 Dilutive income per share $ 0.86 $ 0.85 $ 2.60 $ 2.77

Note 7 - Accumulated Other Co_2

Note 7 - Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of December 31, 2022 $ (38,678 ) $ 8,122 $ (30,556 ) Unrealized holding gains on available-for-sale securities arising during the period 4,670 (981 ) 3,689 Amounts reclassified from accumulated other comprehensive income 2 — 2 (a)(b) Net current period other comprehensive gain 4,672 (981 ) 3,691 Balance as of March 31, 2023 $ (34,006 ) $ 7,141 $ (26,865 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of December 31, 2021 $ 2,003 $ (421 ) $ 1,582 Net current period other comprehensive loss (16,891 ) 3,548 (13,343 ) (a)(b) Balance as of March 31, 2022 $ (14,888 ) $ 3,127 $ (11,761 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2022 $ (27,982 ) $ 5,876 $ (22,106 ) Unrealized holding losses on available-for-sale securities arising during the period (6,041 ) 1,269 (4,772 ) Amounts reclassified from accumulated other comprehensive income 17 (4 ) 13 (a)(b) Net current period other comprehensive loss (6,024 ) 1,265 (4,759 ) Balance as of March 31, 2023 $ (34,006 ) $ 7,141 $ (26,865 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2021 $ 4,493 $ (943 ) $ 3,550 Unrealized holding losses on available-for-sale securities arising during the period (19,379 ) 4,070 (15,309 ) Amounts reclassified from accumulated other comprehensive income (2 ) — (2 ) (a)(b) Net current period other comprehensive loss (19,381 ) 4,070 (15,311 ) Balance as of March 31, 2022 $ (14,888 ) $ 3,127 $ (11,761 )

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual) - Unfunded Loan Commitment [Member]	Mar. 31, 2023
Minimum [Member]
Financing Receivable, Allowance for Credit Loss to Outstanding, Percent	0.25%
Maximum [Member]
Financing Receivable, Allowance for Credit Loss to Outstanding, Percent	0.50%

Note 2 - Acquisition (Details T

Note 2 - Acquisition (Details Textual) - Two Branches from CFBank [Member] - USD ($) $ in Thousands		3 Months Ended
	Jul. 16, 2021	Sep. 30, 2021
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits	$ 104,538
Business Combination, Consideration Transferred, Deposit Premium, Percent	1.75%
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities	$ 15,602
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans Receivable, Net	19,943
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans, Book Value	20,325
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Credit Related Adjustment	(388)
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Loan Factors	$ 6
Business Combination, Acquisition Related Costs		$ 144
Business Combination, Acquisition Related Costs, Net of Tax		$ 118
Core Deposits [Member]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life (Year)	10 years

Note 2 - Acquisition - Assets A

Note 2 - Acquisition - Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	Jul. 16, 2021	Mar. 31, 2023	Jun. 30, 2022	Mar. 31, 2022
Goodwill		$ 2,452	$ 2,452
CFBank Branches [Member]
Cash and cash equivalents	$ 515
Securities, available-for-sale	15,602	0		$ 15,602
Loans	19,943
Premises and equipment	413	0		413
Core deposit intangible	295
Accrued interest receivable	216
Total assets acquired	36,984	0		38,085
Noninterest-bearing deposits	10,535
Interest-bearing deposits	94,003
Other liabilities	99
Total liabilities assumed	104,637	0		104,637
Fair value of net liabilities assumed	(67,653)
Cash received	66,037
Goodwill	$ 1,616	$ 0		$ 1,616

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual)	3 Months Ended			9 Months Ended
	Mar. 31, 2023 USD ($)		Mar. 31, 2022 USD ($)	Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($)	Jun. 30, 2022 USD ($)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ 0	[1],[2]		$ 4,000	$ 0
Debt Securities, Available-for-Sale, Restricted	$ 131,005			$ 131,005		$ 126,679,000
Available-for-sale, Qualitative Disclosure, Number of Positions	381			381
Held-to-maturity, Qualitative Disclosure, Number of Positions	4			4
Equity Securities, FV-NI, Cost	$ 400,000			$ 400,000		$ 400,000
Equity Securities, FV-NI, Realized Gain (Loss), Total	$ 0		$ 0	$ 0	0
US States and Political Subdivisions Debt Securities [Member] | Rated [Member]
Percent of Available for Sale Debt Securities Portfolio	98.70%			98.70%
US States and Political Subdivisions Debt Securities [Member] | Non-rated [Member]
Percent of Available for Sale Debt Securities Portfolio	1.30%			1.30%
Maximum [Member]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ (1,000)				$ 1,000
[1]Income tax expense[2]Securities (gains) losses, net

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities Available-for-sale and Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Available-for-sale securities, amortized cost	$ 321,341	$ 324,329
Available-for-sale securities, gross unrealized gains	265	143
Available-for-sale securities, gross unrealized losses	(34,271)	(28,125)
Available-for-sale securities, fair value	287,335	296,347
Held-to-maturity, amortized cost	7,338	7,874
Held-to-maturity, fair value	6,939	7,831
US Treasury Securities [Member]
Available-for-sale securities, amortized cost	8,933	8,909
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(499)	(462)
Available-for-sale securities, fair value	8,434	8,447
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, amortized cost	99,955	105,977
Available-for-sale securities, gross unrealized gains	185	129
Available-for-sale securities, gross unrealized losses	(8,082)	(8,749)
Available-for-sale securities, fair value	92,058	97,357
Held-to-maturity, amortized cost	7,338	7,874
Held-to-maturity, gross unrecognized gains	0	47
Held-to-maturity, gross unrecognized losses	(399)	(90)
Held-to-maturity, fair value	6,939	7,831
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale securities, amortized cost	30,600	28,689
Available-for-sale securities, gross unrealized gains	8	0
Available-for-sale securities, gross unrealized losses	(3,362)	(2,424)
Available-for-sale securities, fair value	27,246	26,265
Residential Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	106,444	113,812
Available-for-sale securities, gross unrealized gains	21	13
Available-for-sale securities, gross unrealized losses	(14,244)	(11,642)
Available-for-sale securities, fair value	92,221	102,183
Commercial Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	8,608	8,623
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(1,652)	(1,322)
Available-for-sale securities, fair value	6,956	7,301
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, amortized cost	49,577	40,952
Available-for-sale securities, gross unrealized gains	51	1
Available-for-sale securities, gross unrealized losses	(4,780)	(2,774)
Available-for-sale securities, fair value	44,848	38,179
Other Debt Obligations [Member]
Available-for-sale securities, amortized cost	17,224	17,367
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(1,652)	(752)
Available-for-sale securities, fair value	$ 15,572	$ 16,615

Note 3 - Securities - Proceeds

Note 3 - Securities - Proceeds From Sales and Calls of Available-for-sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Proceeds from sales	$ 5,977	$ 0	$ 9,685	$ 1,000
Gross realized gains	35	0	43	2
Gross realized losses	$ 37	$ 0	$ 60	$ 0

Note 3 - Securities - Amortiz_2

Note 3 - Securities - Amortized Cost and Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$ 5,247
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value	5,121
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	29,863
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	28,596
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	52,185
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	46,942
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	69,417
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	62,651
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis	156,712
Available-for-sale Securities, Debt Maturities, Single Maturity Date	143,310
Total securities available-for-sale	321,341	$ 324,329
Total securities available-for-sale	287,335	296,347
Due after one year through five years, Net Carrying Amount	171
Due after one year through five years, Fair Value	170
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount	3,289
Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value	3,210
Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount	3,878
Held-to-maturity Securities, Debt Maturities, after Ten Years, Fair Value	3,559
Held-to-maturity Securities	7,338	7,874
Held-to-maturity Securities, Fair Value	6,939	$ 7,831
U.S. Government-sponsored Mortgage-backed and Related Securities [Member]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	164,629
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	$ 144,025

Note 3 - Securities - Securitie

Note 3 - Securities - Securities With Unrealized and Unrecognized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 71,309	$ 245,869
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(3,500)	(23,144)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	190,672	29,788
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(30,771)	(4,981)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	261,981	275,657
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(34,271)	(28,125)
Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	3,729	3,522
Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(320)	(90)
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	3,210	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Aggregate Loss	(79)	0
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Fair Value	6,939	3,522
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss	(399)	(90)
US Treasury Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	8,447
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	(462)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	8,434	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(499)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	8,434	8,447
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(499)	(462)
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	31,090	80,445
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,102)	(8,331)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	46,129	2,047
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(6,980)	(418)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	77,219	82,492
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(8,082)	(8,749)
Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	3,729	3,522
Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(320)	(90)
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	3,210	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Aggregate Loss	(79)	0
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Fair Value	6,939	3,522
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss	(399)	(90)
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	5,624	26,265
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(346)	(2,424)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	19,421	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(3,016)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	25,045	26,265
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(3,362)	(2,424)
Residential Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	11,095	76,526
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(742)	(7,586)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	78,403	24,569
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(13,502)	(4,056)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	89,498	101,095
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(14,244)	(11,642)
Commercial Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	7,301
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	(1,322)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,956	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,652)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,956	7,301
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1,652)	(1,322)
Collateralized Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	22,560	30,729
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,250)	(2,308)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	16,697	2,713
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(3,530)	(466)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	39,257	33,442
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(4,780)	(2,774)
Other Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	940	16,156
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(60)	(711)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	14,632	459
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,592)	(41)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	15,572	16,615
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (1,652)	$ (752)

Note 3 - Securities - Unrealize

Note 3 - Securities - Unrealized Gains and Losses on Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Unrealized gain (loss) recognized on equity securities held at the end of the period	$ 19	$ 0	$ (14)	$ 0

Note 4 - Loans (Details Textual

Note 4 - Loans (Details Textual) Pure in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($)	Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)	Jun. 30, 2022 USD ($)
Interest Receivable	$ 1,561		$ 1,561			$ 1,214
Financing Receivable, Nonaccrual	45		$ 45			431
Financing Receivable, Troubled Debt Restructuring					$ 354	318
Financing Receivable, Modifications, Number of Contracts			0
Financing Receivable, Modified, Increase (Decrease) from Modification	$ 0	$ 0	$ 0	$ 0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0	0	0
Threshold Amount of Loans Outstanding to Perform Credit Analysis	$ 100		$ 100
Financing Receivable, Modifications, Number of Contracts	0	0		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Nonaccrual	$ 27		27			27
Financial Asset, Not Past Due [Member]
Financing Receivable, Nonaccrual	$ 18		$ 18			$ 404

Note 4 - Loans - Major Classifi

Note 4 - Loans - Major Classifications (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021
Gross loans	$ 689,066		$ 611,567
Gross loans	689,066		611,567
Net deferred loan fees and costs	226		276
Allowance for loan losses	(7,823)	$ (7,675)	(7,160)	$ (6,997)	$ (6,932)	$ (6,471)
Net loans	681,469		604,683
Commercial Portfolio Segment [Member]
Gross loans	99,203		87,008
Gross loans	99,203		87,008
Allowance for loan losses	(1,138)	(1,006)	(960)	(1,026)	(976)	(904)
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses	(3,981)	(4,084)	(3,927)	(3,991)	(4,049)	(3,949)
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Gross loans	18,340		15,158
Gross loans	18,340		15,158
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Gross loans	319,955		291,847
Gross loans	319,955		291,847
Residential Portfolio Segment [Member]
Allowance for loan losses	(1,747)	(1,677)	(1,645)	(1,473)	(1,490)	(1,307)
Residential Portfolio Segment [Member] | Construction Loans [Member]
Gross loans	7,264		4,317
Gross loans	7,264		4,317
Residential Portfolio Segment [Member] | Residential Real Estate Owner Occupied Loans [Member]
Gross loans	153,760		142,244
Gross loans	153,760		142,244
Residential Portfolio Segment [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Gross loans	24,254		26,029
Gross loans	24,254		26,029
Consumer Portfolio Segment [Member]
Gross loans	66,290		44,964
Gross loans	66,290		44,964
Allowance for loan losses	$ (957)	$ (908)	$ (628)	$ (507)	$ (417)	$ (311)

Note 4 - Loans - Allowance for

Note 4 - Loans - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022	Jun. 30, 2022
Balance	$ 7,675	$ 6,932	$ 7,160	$ 6,471
Provision for loan losses	160	85	795	545
Loans charged-off	(56)	(31)	(253)	(118)
Recoveries	44	11	121	99
Balance	7,823	6,997	7,823	6,997
Individually evaluated for impairment	0		0		$ 0
Total ending allowance balance	7,823	6,997	7,823	6,997	7,160
Loans individually evaluated for impairment	398		398		473
Total ending loans balance	690,853		690,853		613,057
Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment	117		117		148
Loans collectively evaluated for impairment	33,476		33,476		41,542
Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment	7,706		7,706		7,012
Loans collectively evaluated for impairment	656,979		656,979		571,042
Commercial Portfolio Segment [Member]
Balance	1,006	976	960	904
Provision for loan losses	132	48	178	99
Loans charged-off	0	0	0	0
Recoveries	0	2	0	23
Balance	1,138	1,026	1,138	1,026
Individually evaluated for impairment	0		0		0
Total ending allowance balance	1,138	1,026	1,138	1,026	960
Loans individually evaluated for impairment	315		315		276
Total ending loans balance	99,466		99,466		87,251
Commercial Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment	0		0		1
Loans collectively evaluated for impairment	650		650		665
Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment	1,138		1,138		959
Loans collectively evaluated for impairment	98,501		98,501		86,310
Commercial Real Estate Portfolio Segment [Member]
Balance	4,084	4,049	3,927	3,949
Provision for loan losses	(103)	(58)	53	40
Loans charged-off	0	0	0	0
Recoveries	0	0	1	2
Balance	3,981	3,991	3,981	3,991
Individually evaluated for impairment	0		0		0
Total ending allowance balance	3,981	3,991	3,981	3,991	3,927
Loans individually evaluated for impairment	38		38		42
Total ending loans balance	338,345		338,345		306,913
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment	42		42		62
Loans collectively evaluated for impairment	7,443		7,443		10,095
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment	3,939		3,939		3,865
Loans collectively evaluated for impairment	330,864		330,864		296,776
Residential Portfolio Segment [Member]
Balance	1,677	1,490	1,645	1,307
Provision for loan losses	70	(16)	106	191
Loans charged-off	0	(1)	(6)	(41)
Recoveries	0	0	2	16
Balance	1,747	1,473	1,747	1,473
Individually evaluated for impairment	0		0		0
Total ending allowance balance	1,747	1,473	1,747	1,473	1,645
Loans individually evaluated for impairment	45		45		155
Total ending loans balance	186,776		186,776		173,944
Residential Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment	75		75		85
Loans collectively evaluated for impairment	23,778		23,778		27,731
Residential Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment	1,672		1,672		1,560
Loans collectively evaluated for impairment	162,953		162,953		146,058
Consumer Portfolio Segment [Member]
Balance	908	417	628	311
Provision for loan losses	61	111	458	215
Loans charged-off	(56)	(30)	(247)	(77)
Recoveries	44	9	118	58
Balance	957	507	957	507
Individually evaluated for impairment	0		0		0
Total ending allowance balance	957	$ 507	957	$ 507	628
Loans individually evaluated for impairment	0		0		0
Total ending loans balance	66,266		66,266		44,949
Consumer Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment	0		0		0
Loans collectively evaluated for impairment	1,605		1,605		3,051
Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment	957		957		628
Loans collectively evaluated for impairment	$ 64,661		$ 64,661		$ 41,898

Note 4 - Loans - Impaired Loans

Note 4 - Loans - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022	Jun. 30, 2022
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	$ 399
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	10
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	10
Impaired Financing Receivable, Unpaid Principal Balance	556		$ 556		$ 738
Impaired Financing Receivable, Recorded Investment	398		398		473
Impaired Financing Receivable, Related Allowance	0		0		0
Impaired Financing Receivable, Average Recorded Investment		$ 768	405	$ 1,396
Impaired Financing Receivable, Interest Income, Accrual Method		5	34	189
Impaired Financing Receivable, Interest Income, Cash Basis Method		5	34	189
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	399
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	10
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	10
Impaired Financing Receivable, Average Recorded Investment		768	405	1,396
Impaired Financing Receivable, Interest Income, Accrual Method		5	34	189
Impaired Financing Receivable, Interest Income, Cash Basis Method		5	34	189
Commercial Portfolio Segment [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	407		407		414
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	315		315		276
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	315	289	303	294
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	9	0	27	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	9	0	27	0
Impaired Financing Receivable, Related Allowance					0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	315	289	303	294
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	9	0	27	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	9	0	27	0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance					0
Impaired Financing Receivable, with Related Allowance, Recorded Investment					0
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		120		126
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method		2		6
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method		2		6
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment		120		126
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method		2		6
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method		2		6
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	78		78		83
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	38		38		42
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	39	255	40	620
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1	2	5	104
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	1	2	5	104
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	39	255	40	620
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1	2	5	104
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	1	2	5	104
Residential Portfolio Segment [Member] | Residential Real Estate Owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	44		44		48
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	18		18		22
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	18	91	20	242
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	1	2	4
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	1	2	4
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	18	91	20	242
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	1	2	4
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	1	2	4
Residential Portfolio Segment [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	27		27		193
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	27		27		$ 133
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	27	13	42	114
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	0	0	75
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	0	0	75
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	27	13	42	114
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	0	0	75
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	$ 0	$ 0	$ 0	$ 75

Note 4 - Loans - Loans Past Due

Note 4 - Loans - Loans Past Due (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 45	$ 431
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	153	9
Recorded investment	690,853	613,057
Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	877	558
Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	226	79
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	27	27
Recorded investment	180	36
Financial Asset, Past Due [Member]
Recorded investment	1,283	673
Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	18	404
Recorded investment	689,570	612,384
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	0	276
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	9
Recorded investment	99,466	87,251
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	0	0
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0	9
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	0	9
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	99,466	87,242
Commercial Real Estate Portfolio Segment [Member]
Recorded investment	338,345	306,913
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	53	0
Recorded investment	319,984	291,775
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment	18,361	15,138
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment	0	52
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment	53	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment	53	52
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment	319,931	291,723
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Construction Loans [Member]
Recorded investment	18,361	15,138
Residential Portfolio Segment [Member]
Recorded investment	186,776	173,944
Residential Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment	7,335	4,375
Residential Portfolio Segment [Member] | Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	18	22
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Recorded investment	155,176	143,506
Residential Portfolio Segment [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	27	133
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Recorded investment	24,265	26,063
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Residential Real Estate Owner Occupied Loans [Member]
Recorded investment	522	125
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Recorded investment	3	0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Residential Real Estate Owner Occupied Loans [Member]
Recorded investment	127	0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Recorded investment	0	0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Real Estate Owner Occupied Loans [Member]
Recorded investment	0	0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Recorded investment	27	27
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Construction Loans [Member]
Recorded investment	0	0
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Residential Real Estate Owner Occupied Loans [Member]
Recorded investment	649	125
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Recorded investment	30	27
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Construction Loans [Member]
Recorded investment	7,335	4,375
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Residential Real Estate Owner Occupied Loans [Member]
Recorded investment	154,527	143,381
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Recorded investment	24,235	26,036
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	100	0
Recorded investment	66,266	44,949
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	352	381
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	99	79
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	100	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	551	460
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	$ 65,715	$ 44,489

Note 4 - Loans - Recorded Inves

Note 4 - Loans - Recorded Investment by Risk Category (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Financing Receivable, Net	$ 681,469	$ 604,683
Pass [Member]
Financing Receivable, Net	458,184	414,046
Special Mention [Member]
Financing Receivable, Net	4,564	2,909
Substandard [Member]
Financing Receivable, Net	5,035	4,889
Doubtful [Member]
Financing Receivable, Net	45	431
Not Rated [Member]
Financing Receivable, Net	223,025	190,782
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Net	97,687	86,265
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Net	1,059	350
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Net	556	178
Commercial Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Net	0	276
Commercial Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Net	164	182
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Financing Receivable, Net	18,361	15,138
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	311,540	283,877
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	3,452	2,500
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	4,352	4,711
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	640	687
Residential Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Financing Receivable, Net	2,860	1,234
Residential Portfolio Segment [Member] | Pass [Member] | Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	2,272	1,321
Residential Portfolio Segment [Member] | Pass [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	23,818	25,606
Residential Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Residential Portfolio Segment [Member] | Special Mention [Member] | Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	0	0
Residential Portfolio Segment [Member] | Special Mention [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	53	59
Residential Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Residential Portfolio Segment [Member] | Substandard [Member] | Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	18	0
Residential Portfolio Segment [Member] | Substandard [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	109	0
Residential Portfolio Segment [Member] | Doubtful [Member] | Construction Loans [Member]
Financing Receivable, Net	0	0
Residential Portfolio Segment [Member] | Doubtful [Member] | Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	18	22
Residential Portfolio Segment [Member] | Doubtful [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	27	133
Residential Portfolio Segment [Member] | Not Rated [Member] | Construction Loans [Member]
Financing Receivable, Net	4,475	3,141
Residential Portfolio Segment [Member] | Not Rated [Member] | Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	152,868	142,163
Residential Portfolio Segment [Member] | Not Rated [Member] | Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	258	265
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Net	1,646	605
Consumer Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Net	0	0
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Net	0	0
Consumer Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Net	0	0
Consumer Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Net	$ 64,620	$ 44,344

Note 5 - Fair Value (Details Te

Note 5 - Fair Value (Details Textual) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022	Jun. 30, 2022
Impaired Financing Receivable, Related Allowance	$ 0		$ 0		$ 0
Other Real Estate Owned, Fair Value Disclosure	0		0		0
Fair Value, Nonrecurring [Member] | Impaired Loans [Member]
Impaired Financing Receivable, Related Allowance	0		0		$ 0
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)	$ 0	$ 0	$ 0	$ 0

Note 5 - Fair Value - Assets an

Note 5 - Fair Value - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Securities, available-for-sale	$ 287,335	$ 296,347
Equity securities	386	400
US Treasury Securities [Member]
Securities, available-for-sale	8,434	8,447
US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	27,246	26,265
US States and Political Subdivisions Debt Securities [Member]
Securities, available-for-sale	92,058	97,357
Residential Mortgage-Backed Securities [Member]
Securities, available-for-sale	92,221	102,183
Commercial Mortgage-Backed Securities [Member]
Securities, available-for-sale	6,956	7,301
Other Debt Obligations [Member]
Securities, available-for-sale	15,572	16,615
Fair Value, Recurring [Member]
Equity securities	386	400
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Equity securities	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Equity securities	386	400
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Equity securities	0	0
Fair Value, Recurring [Member] | US Treasury Securities [Member]
Securities, available-for-sale	8,434	8,447
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	8,434	8,447
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	27,246	26,265
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	27,246	26,265
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities, available-for-sale	92,058	97,357
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	92,058	97,357
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Residential Mortgage-Backed Securities [Member]
Securities, available-for-sale	92,221	102,183
Fair Value, Recurring [Member] | Residential Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Residential Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	92,221	102,183
Fair Value, Recurring [Member] | Residential Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Commercial Mortgage-Backed Securities [Member]
Securities, available-for-sale	6,956	7,301
Fair Value, Recurring [Member] | Commercial Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Commercial Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	6,956	7,301
Fair Value, Recurring [Member] | Commercial Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities, available-for-sale	44,848	38,179
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	44,848	38,179
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Securities, available-for-sale	15,572	16,615
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	15,572	16,615
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	$ 0	$ 0

Note 5 - Fair Value - Estimated

Note 5 - Fair Value - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Held-to-maturity, fair value	$ 6,939	$ 7,831
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and cash equivalents	25,207	20,952
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	25,207	20,952
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Certificates of deposit in other financial institutions	2,757	3,781
Loans held for sale	999	1,165
Accrued interest receivable	3,020	2,703
Short-term borrowings	23,599	21,295
Federal Home Loan Bank advances	8,190	8,256
Accrued interest payable	258	49
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Demand and Savings Deposits [Member]
Demand and savings deposits	761,523	784,181
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Time Deposits [Member]
Demand and savings deposits	192,876	102,381
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Certificates of deposit in other financial institutions	2,660	3,847
Loans held for sale	1,015	1,188
Accrued interest receivable	3,020	2,703
Short-term borrowings	23,599	21,295
Federal Home Loan Bank advances	7,156	7,215
Accrued interest payable	258	49
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Demand and Savings Deposits [Member]
Demand and savings deposits	761,523	784,181
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Time Deposits [Member]
Demand and savings deposits	189,745	102,622
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Held-to-maturity, fair value	7,338	7,874
Loans, net	681,469	604,683
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Held-to-maturity, fair value	6,939	7,831
Loans, net	$ 627,732	$ 577,708

Note 6 - Earnings Per Share (De

Note 6 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	5,328	0	5,328	8,878

Note 6 - Earnings Per Share - S

Note 6 - Earnings Per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Net income available to common shareholders	$ 2,636	$ 2,585	$ 7,980	$ 8,412
Weighted average common shares outstanding (in shares)	3,078,595	3,039,049	3,072,336	3,036,473
Basic income per share (in dollars per share)	$ 0.86	$ 0.85	$ 2.60	$ 2.77
Dilutive effect of restricted stock (in shares)	1,218	503	0	275
Total common shares and dilutive potential common shares (in shares)	3,079,813	3,039,552	3,072,336	3,036,748
Dilutive income per share (in dollars per share)	$ 0.86	$ 0.85	$ 2.60	$ 2.77

Note 7 - Accumulated Other Co_3

Note 7 - Accumulated Other Comprehensive Income (Loss) - Components of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Mar. 31, 2023		Mar. 31, 2022	Mar. 31, 2023	Mar. 31, 2022
Balance as of December 31, 2022	$ (38,678)		$ 2,003	$ (27,982)	$ 4,493
Balance as of December 31, 2022	8,122		(421)	5,876	(943)
Balance as of December 31, 2022	(30,556)		1,582	(22,106)	3,550
Unrealized holding gains on available-for-sale securities arising during the period, before tax	4,670		(16,891)	(6,041)	(19,379)
Unrealized holding gains on available-for-sale securities arising during the period, tax	(981)			1,269	4,070
Unrealized holding gains on available-for-sale securities arising during the period, net	3,689			(4,772)	(15,309)
Amounts reclassified from accumulated other comprehensive income, before tax	2	[1],[2]	0	17	(2)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	0	[1],[2]		4	0
Amounts reclassified from accumulated other comprehensive income, net	2	[1],[2]		13	(2)
Net current period other comprehensive gain, before tax	4,672		(16,891)	(6,024)	(19,381)
Net current period other comprehensive gain, tax	(981)		3,548	1,265	4,070
Net current period other comprehensive gain, net	3,691		(13,343)	(4,759)	(15,311)
Accumulated other comprehensive income (loss), before tax	(34,006)		(14,888)	(34,006)	(14,888)
Accumulated other comprehensive income (loss), tax	7,141		3,127	7,141	3,127
Accumulated other comprehensive income (loss), net	(26,865)		(11,761)	(26,865)	(11,761)
Net current period other comprehensive loss, before tax	4,672		(16,891)	(6,024)	(19,381)
Net current period other comprehensive loss, tax	(981)		3,548	1,265	4,070
Net current period other comprehensive loss, net	3,691		$ (13,343)	(4,759)	(15,311)
Amounts reclassified from accumulated other comprehensive income, tax	$ 0	[1],[2]		$ (4)	$ 0
[1]Income tax expense[2]Securities (gains) losses, net