Consumers Bancorp (CBKM) 10-Q 7 May 24 2024 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Mar. 31, 2024	May 06, 2024
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	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
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		3,116,244

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 16,052	$ 11,734
Federal funds sold and interest-bearing deposits in financial institutions	10,797	21
Total cash and cash equivalents	26,849	11,755
Certificates of deposit in other financial institutions	748	2,501
Securities, available-for-sale	265,646	279,605
Securities, held-to-maturity (fair value of $5,841 at March 31, 2024 and $6,294 at June 30, 2023)	6,428	6,970
Equity securities, at fair value	386	386
Federal bank and other restricted stocks, at cost	2,398	2,168
Loans held for sale	45	764
Total loans	742,584	710,362
Less allowance for credit losses	(7,911)	(7,724)
Net loans	734,673	702,638
Cash surrender value of life insurance	10,430	10,222
Premises and equipment, net	17,072	17,182
Goodwill	2,452	2,452
Core deposit intangible, net	372	414
Other real estate owned and repossessed assets	175	124
Accrued interest receivable and other assets	23,213	22,843
Total assets	1,090,887	1,060,024
LIABILITIES
Noninterest-bearing demand	228,057	250,906
Interest bearing demand	148,636	152,053
Savings	340,232	335,231
Time	258,205	214,343
Total deposits	975,130	952,533
Short-term borrowings	28,965	26,367
Federal Home Loan Bank advances	8,122	8,776
Accrued interest and other liabilities	16,573	16,864
Total liabilities	1,028,790	1,004,540
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; 3,164,883 and 3,144,739 shares issued as of March 31, 2024 and June 30, 2023, respectively)	21,091	20,769
Retained earnings	69,993	65,485
Treasury stock, at cost (48,639 common shares as of March 31, 2024 and June 30, 2023)	(695)	(809)
Accumulated other comprehensive loss	(28,292)	(29,961)
Total shareholders’ equity	62,097	55,484
Total liabilities and shareholders’ equity	$ 1,090,887	$ 1,060,024

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Held-to-maturity securities, fair value	$ 5,841	$ 6,294
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	350,000	350,000
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)	3,164,883	3,144,739
Treasury stock, shares (in shares)	48,639	48,639

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income
Loans, including fees	$ 10,288	$ 8,477	$ 30,150	$ 23,562
Securities, taxable	1,508	1,343	4,447	3,892
Securities, tax-exempt	447	564	1,370	1,747
Equity securities	8	8	25	25
Federal bank and other restricted stocks	45	34	128	104
Federal funds sold and other interest-bearing deposits	110	95	209	291
Total interest and dividend income	12,406	10,521	36,329	29,621
Interest expense
Deposits	4,282	2,084	11,644	3,808
Short-term borrowings	205	120	467	274
Federal Home Loan Bank advances	93	88	274	138
Total interest expense	4,580	2,292	12,385	4,220
Net interest income	7,826	8,229	23,944	25,401
Provision for credit losses on loans	15	160	380	795
Provision for credit losses on unfunded commitments	23	0	102	0
Net interest income after provision for credit losses	7,788	8,069	23,462	24,606
Noninterest income
Mortgage banking activity	79	96	247	250
Bank owned life insurance income	70	66	208	196
Securities losses, net	(1)	(2)	(80)	(17)
Net change in market value of equity securities	0	19	0	(14)
Other	96	79	280	265
Total noninterest income	1,219	1,176	3,618	3,462
Noninterest expenses
Salaries and employee benefits	3,604	3,512	10,786	10,542
Occupancy and equipment	921	783	2,567	2,364
Data processing expenses	204	195	599	579
Debit card processing expenses	298	275	918	824
Professional and director fees	267	210	732	797
FDIC assessments	210	159	587	398
Franchise taxes	121	97	314	379
Marketing and advertising	154	151	538	558
Telephone and network communications	90	88	267	270
Amortization of intangible	14	14	42	42
Other	637	560	1,866	1,689
Total noninterest expenses	6,520	6,044	19,216	18,442
Income before income taxes	2,487	3,201	7,864	9,626
Income tax expense	435	565	1,387	1,646
Net income	$ 2,052	$ 2,636	$ 6,477	$ 7,980
Basic and diluted earnings per share (in dollars per share)	$ 0.66	$ 0.86	$ 2.09	$ 2.6
Deposit Account [Member]
Noninterest income
Noninterest income (in scope of Topic 606)	$ 402	$ 386	$ 1,261	$ 1,175
Debit Card [Member]
Noninterest income
Noninterest income (in scope of Topic 606)	$ 573	$ 532	$ 1,702	$ 1,607

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Net income	$ 2,052	$ 2,636	$ 6,477	$ 7,980
Other comprehensive income (loss), net of tax:
Unrealized (losses) gains arising during the period	(3,772)	4,670	2,032	(6,041)
Reclassification adjustment for net losses included in income	1	2	80	17
Net unrealized (losses) gains	(3,771)	4,672	2,112	(6,024)
Income tax effect	792	(981)	(443)	1,265
Other comprehensive (loss) income	(2,979)	3,691	1,669	(4,759)
Total comprehensive (loss) income	$ (927)	$ 6,327	$ 8,146	$ 3,221

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, 2022	$ 20,287	$ 56,906	$ (1,117)	$ (22,106)	$ 53,970
Net income		7,980			7,980
Other comprehensive loss	0	0	0	(4,759)	(4,759)
Restricted stock expense	101	0		0	101
Issuance of 3,680 shares associated with dividend reinvestment plan and stock purchase plan	177				177
Cash dividends declared		(1,569)			(1,569)
Other comprehensive income	0	0	0	(4,759)	(4,759)
Vesting of shares associated with restricted 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 loss	0	0	0	3,691	3,691
Restricted stock expense	34	0		0	34
Issuance of 3,680 shares associated with dividend reinvestment plan and stock purchase plan	59				59
Cash dividends declared		(524)			(524)
Other comprehensive income	0	0	0	3,691	3,691
Balance at Mar. 31, 2023	20,650	63,317	(809)	(26,865)	56,293
Balance (Accounting Standards Update 2016-13 [Member]) at Jun. 30, 2023	0	(285)	0	0	(285)
Balance at Jun. 30, 2023	20,769	65,485	(809)	(29,961)	55,484
Net income		6,477			6,477
Other comprehensive loss	0	0	0	1,669	1,669
Restricted stock expense	43	0		0	43
Issuance of 3,680 shares associated with dividend reinvestment plan and stock purchase plan	196				196
Cash dividends declared		(1,684)			(1,684)
Other comprehensive income	0	0	0	1,669	1,669
Vesting of shares associated with restricted stock awards	81	0	114	0	195
Issuance of 8,519 stock-based incentive plan shares, net of forfeitures	2	0	0	0	2
Balance at Mar. 31, 2024	21,091	69,993	(695)	(28,292)	62,097
Balance at Dec. 31, 2023	21,014	68,504	(695)	(25,313)	63,510
Net income		2,052			2,052
Other comprehensive loss				(2,979)	(2,979)
Restricted stock expense	15				15
Issuance of 3,680 shares associated with dividend reinvestment plan and stock purchase plan	62				62
Cash dividends declared		(563)			(563)
Other comprehensive income				(2,979)	(2,979)
Balance at Mar. 31, 2024	$ 21,091	$ 69,993	$ (695)	$ (28,292)	$ 62,097

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Shares issued associated with dividend reinvestment plan and stock purchase plan, shares (in shares)	3,680	3,092	11,625	9,036
Common stock, dividends, per share, declared (in dollars per share)	$ 0.18	$ 0.17	$ 0.54	$ 0.51
Shares associated with stock awards (in shares)			10,283	26,743
Shares, Share-Based Payment Arrangement, after Forfeiture (in shares)			8,519

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash flows from operating activities
Net cash from operating activities	$ 7,732	$ 10,662
Cash flow from investing activities
Purchases of securities, available-for-sale	(8,970)	(22,742)
Maturities, calls and principal pay downs of securities, available-for-sale	16,452	15,368
Sale of securities, available-for-sale	8,092	9,685
Principal pay downs of securities, held-to-maturity	542	536
Net decrease in certificates of deposit in other financial institutions	1,753	1,024
Net change in Federal Home Loan Bank stock, at cost	(230)	270
Net increase in loans	(32,519)	(77,592)
Premises and equipment purchases	(811)	(1,650)
Sale of other repossessed assets	0	11
Net cash used in investing activities	(15,691)	(75,090)
Cash flow from financing activities
Net increase in deposit accounts	22,597	67,837
Net change in short-term borrowings	2,598	2,304
Proceeds from Federal Home Loan Bank advances	18,300	16,400
Repayments of Federal Home Loan Bank advances	(18,954)	(16,466)
Proceeds from dividend reinvestment and stock purchase plan	196	177
Dividends paid	(1,684)	(1,569)
Net cash from financing activities	23,053	68,683
Increase in cash or cash equivalents	15,094	4,255
Cash and cash equivalents, beginning of period	11,755	20,952
Cash and cash equivalents, end of period	26,849	25,207
Supplemental disclosure of cash flow information:
Interest	11,823	4,011
Federal income taxes	1,575	1,515
Non-cash items:
Transfer from loans to repossessed assets	51	11
Issuance of treasury stock for vested restricted stock awards	$ 195	$ 393

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	9 Months Ended
	Mar. 31, 2024
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, 2023. not may The consolidated financial statements include the accounts of the Company and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation. Segment Information: one Reclassifications: no Adoption of New Accounting Standards: June 2016, 2016 13, 326 This guidance became effective for the Company on July 1, 2023 July 1, 2023 326 At adoption, the Company recognized an incremental allowance for credit losses on loans of $52 and a liability for off-balance sheet unfunded commitments of $308. Additionally, a $285 decrease to the retained earnings account associated with the increased estimated credit losses was recorded along with the $75 tax impact portion being recorded as part of the deferred tax asset in other assets on our Consolidated Balance Sheet. Allowance for Credit Losses (ACL) Topic 326 Portfolio Segmentation The allowance for credit losses consists of general and specific components. The general component covers loans within portfolio segments that are collectively evaluated for credit losses. Portfolio segmentation is the pooling of loans based upon similar risk characteristics so that quantitative methodologies and qualitative adjustment factors for estimating the allowance for credit losses can be applied to the pool of loans in each segment. The Company has identified six 1 4 Commercial & Industrial: Commercial loans are made for a wide variety of general business purposes, including financing for equipment, inventories and accounts receivable. The term of each commercial loan varies by its purpose. Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Current and projected cash flows are evaluated to determine the ability of the borrower to repay their obligations as agreed. Commercial loans are primarily made based on the identified cash flows of the borrower and on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not may may may Commercial Real Estate: Commercial real estate loans include mortgage loans to owners of owner-occupied commercial properties, commercial investment properties, and multi-family investment properties as well as loans originated to finance the construction of owner occupied and investment properties. Commercial real estate lending typically involves higher loan principal amounts, and the repayment of these loans is generally largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Current and projected cash flows are evaluated to determine the ability of the borrower to repay their obligations as agreed. Loans secured by existing commercial real estate have fixed or variable rates with amortization periods of up to 25 Commercial construction loans generally adjust with the prime rate during the construction period and may 25 may not Commercial real estate loans may may three Farmland: Farmland loans include loans to finance or refinance the acquisition or improvement of land used for agricultural purposes. The loans are secured by mortgages on the land and buildings, contain fixed and variable rates, and amortize over periods up to 30 may Land Development: Land Development loans include loans to finance the land acquisition and the infrastructure improvements necessary to develop saleable residential lots located within our primary market area. Land development loans are adjustable-rate loans with interest only periods generally up to three third Land development financing is considered to involve a higher degree of credit risk than long-term financing on improved real estate. Risk of loss on a development loan is dependent largely upon the accuracy of the initial estimate of development costs and of the respective values of the completed lots. If the estimate of value proves to be inaccurate, we may 1 4 one four no 85% thirty 18 may thirty Consumer: The Company originates direct and indirect consumer loans, primarily automobile loans, personal lines of credit, and unsecured consumer loans in its primary market areas. Credit approval for consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances as compared to real estate mortgage loans, and generally carry higher risks of default. Consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances and economic conditions. Consumer loans generally have fixed rates and amortization periods up to 84 The allowance for credit losses for portfolio segments is evaluated based upon periodic quantitative review of the collectability of the loans that correlates historical loan experience with reasonable and supportable forecasts using forward looking information. The Company utilizes a discounted cash flow (loss rate, expected loss) method to estimate the quantitative portion of the allowance for credit losses for all portfolio segments. For each portfolio segment, a loss driver analysis (LDA) is performed to identify appropriate loss indicators and create a regression model for use in forecasting cash flows. The LDA analysis utilizes peer data from the Federal Financial Institutions Examination Council’s (FFIEC) Call Report data for all segments. The Company has established a one one third Adjustments may Individually Evaluated Loans Loans that do not not third Reserve for Unfunded Commitments The reserve for unfunded commitments represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit over the contractual period in which we are exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by the Company. Any reserve for off-balance sheet credit exposures is reported as an other liability on our Consolidated Balance Sheet and is increased or decreased via the provision for credit losses account on our Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The reserve is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to be funded. Available-for-Sale (AFS) and Held-to-Maturity (HTM) Debt Securities For AFS securities in an unrealized loss position, management determines whether the Company intends to sell or if it is more likely than not not 326 30 not Since the adoption of CECL, the Company monitors the credit quality of HTM debt securities primarily through the financial condition of the issuer. Any allowance for credit losses on HTM securities would be a contra asset valuation account that would be deducted from the carrying amount of HTM securities to present the net amount expected to be collected and would be charged off against the allowance for credit losses when deemed uncollectible. Adjustments to the allowance for credit losses would be reported in the Company’s Consolidated Statements of Income in the provision for credit losses. Since all the HTM securities are non-rated municipal securities to local customers, management considers the financial condition of the issuer and whether issuers continue to make timely principal and interest payments under the contractual terms of the securities. At March 31, 2024 July 1, 2023, no Accrued Interest Receivable Upon adoption of ASU 2016 13 July 1, 2023, • Exclude accrued interest receivable that is included in the amortized cost of financing receivables and debt securities from related disclosure requirements. • Continue its policy to write off accrued interest receivable by reversing it from interest income. For commercial and real estate loans, accruing interest is typically discontinued and any balance is written off when the loan becomes 90 no 120 not • Not On July 1, 2023, 2022 02, 326 326 not Recent Accounting Pronouncements December 2023, No. 2023 09, 740 2023 09 2023 09 2023 09 December 15, 2024 2023 09 not

Note 2 - Securities

Note 2 - Securities	9 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 2 – Securities Debt securities The following tables summarize the amortized cost, fair value, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on the Company’s debt securities available-for-sale and gross unrecognized losses on the Company’s debt securities held-to-maturity as of March 31, 2024 June 30, 2023: Available for-Sale Amortized Gross Gross Fair March 31, 2024 Obligations of U.S. Treasury $ 6,465 $ — $ (273 ) $ 6,192 Obligations of U.S. government-sponsored entities and agencies 28,327 7 (3,450 ) 24,884 Obligations of state and political subdivisions 86,510 88 (7,651 ) 78,947 U.S. Government-sponsored mortgage-backed securities–residential 96,885 — (14,736 ) 82,149 U.S. Government-sponsored mortgage-backed securities– commercial 8,589 — (1,743 ) 6,846 U.S. Government-sponsored collateralized mortgage obligations– residential 57,621 108 (5,692 ) 52,037 Other debt securities 17,062 — (2,471 ) 14,591 Total securities available-for-sale $ 301,459 $ 203 $ (36,016 ) $ 265,646 Held-to-Maturity Amortized Gross Gross Losses Fair March 31, 2024 Obligations of state and political subdivisions $ 6,428 $ — $ (587 ) $ 5,841 Available-for-sale Amortized Gross Gross Fair June 30, 2023 Obligation of U.S Treasury $ 8,941 $ — $ (533 ) $ 8,408 Obligations of U.S. government-sponsored entities and agencies 29,430 7 (3,745 ) 25,692 Obligations of state and political subdivisions 92,891 63 (8,982 ) 83,972 U.S. Government-sponsored mortgage-backed securities - residential 104,689 12 (15,066 ) 89,635 U.S. Government-sponsored mortgage-backed securities - commercial 8,604 — (1,809 ) 6,795 U.S. Government-sponsored collateralized mortgage obligations – residential 55,800 8 (5,738 ) 50,070 Other debt securities 17,175 — (2,142 ) 15,033 Total securities available-for-sale $ 317,530 $ 90 $ (38,015 ) $ 279,605 Held-to-maturity Amortized Gross Gross Losses Fair June 30, 2023 Obligations of state and political subdivisions $ 6,970 $ — $ (676 ) $ 6,294 Proceeds from the sale of available-for-sale securities were as follows: Three Months Ended March 31, Nine Months Ended March 31, 2024 2023 2024 2023 Proceeds from sales $ 4,090 $ 5,977 $ 8,092 $ 9,685 Gross realized gains 14 35 14 43 Gross realized losses 15 37 94 60 The income tax benefit related to the net realized losses for the three March 31, 2024 2023 nine March 31, 2024 nine March 31, 2023. The amortized cost and fair values of debt securities as of March 31, 2024, may not Available-for-Sale Amortized Cost Estimated Fair Value Due in one year or less $ 10,850 $ 10,664 Due after one year through five years 27,761 22,452 Due after five years through ten years 32,458 32,954 Due after ten years 67,295 58,544 Total 138,364 124,614 U.S. Government-sponsored mortgage-backed and related securities 163,095 141,032 Total securities available-for-sale $ 301,459 $ 265,646 Held-to-Maturity Due in one year or less $ 86 $ 85 Due after one year through five years 2,634 2,555 Due after five years through ten years 3,708 3,201 Total securities held-to-maturity $ 6,428 $ 5,841 Securities with a carrying value of approximately $156,460 and $137,896 were pledged at March 31, 2024 June 30, 2023, The following table summarizes the debt securities with unrealized and unrecognized losses as of March 31, 2024 June 30, 2023, Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized March 31, 2024 Obligation of U.S. Treasury $ — $ — $ 6,192 $ (273 ) $ 6,192 $ (273 ) Obligations of U.S. government-sponsored entities and agencies 877 (6 ) 23,006 (3,444 ) 23,883 (3,450 ) Obligations of state and political subdivisions 6,250 (85 ) 63,934 (7,566 ) 70,184 (7,651 ) U.S. Government-sponsored mortgage-backed securities – residential 3,426 (45 ) 78,723 (14,691 ) 82,149 (14,736 ) U.S. Government-sponsored mortgage-backed securities – commercial — — 6,846 (1,743 ) 6,846 (1,743 ) Collateralized mortgage obligations - residential 12,626 (171 ) 32,818 (5,521 ) 45,444 (5,692 ) Other debt securities — — 14,591 (2,471 ) 14,591 (2,471 ) Total temporarily impaired $ 23,179 $ (307 ) $ 226,110 $ (35,709 ) $ 249,289 $ (36,016 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized March 31, 2024 Obligations of state and political subdivisions $ — $ — $ 5,841 $ (587 ) $ 5,841 $ (587 ) Total temporarily impaired $ — $ — $ 5,841 $ (587 ) $ 5,841 $ (587 ) Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2023 Obligations of U.S. Treasury $ — $ — $ 8,408 $ (533 ) $ 8,408 $ (533 ) Obligations of U.S. government-sponsored entities and agencies 1,008 (10 ) 23,551 (3,735 ) 24,559 (3,745 ) Obligations of state and political subdivisions 16,009 (344 ) 62,492 (8,638 ) 78,501 (8,982 ) Mortgage-backed securities – residential 3,334 (84 ) 85,096 (14,982 ) 88,430 (15,066 ) Mortgage-backed securities – commercial — — 6,795 (1,809 ) 6,795 (1,809 ) Collateralized mortgage obligations - residential 22,039 (638 ) 27,023 (5,100 ) 49,062 (5,738 ) Other debt securities — — 15,033 (2,142 ) 15,033 (2,142 ) Total temporarily impaired $ 42,390 $ (1,076 ) $ 228,398 $ (36,939 ) $ 270,788 $ (38,015 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized June 30, 2023 Obligations of state and political subdivisions $ — $ — $ 6,294 $ (676 ) $ 6,294 $ (676 ) Total temporarily impaired $ — $ — $ 6,294 $ (676 ) $ 6,294 $ (676 ) At March 31, 2024, March 31, 2024, no not The Company’s mortgage-backed securities and collateralized mortgage obligations were issued by U.S. government-sponsored entities and agencies. The Company does not March 31, 2024, one Ba2 not not not not Equity Securities The Company owned equity securities with an amortized cost of $400 as of March 31, 2024, June 30, 2023. three nine March 31, 2024 2023. three nine March 31, 2024 2023. Three Months Ended March 31, Nine Months Ended March 31, 2024 2023 2024 2023 Unrealized gain (loss) recognized on equity securities held at the end of the period $ — $ 19 $ — $ (14 )

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Credit Losses	9 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 – Loans and Allowance for Credit Losses The following table presents loans by major category. March 31, 2024 June 30, 2023 Commercial & Industrial $ 115,402 $ 112,558 Commercial real estate: Owner occupied 159,732 151,005 Non-owner occupied 151,555 140,002 Farmland 39,150 40,606 Land Development 12,138 11,004 1 – 4 family residential real estate 191,884 189,312 Consumer 72,600 65,617 Subtotal 742,461 710,104 Unamortized deferred loan costs, net 123 258 Allowance for credit losses (7,911 ) (7,724 ) Net Loans $ 734,673 $ 702,638 The following table presents the activity in the allowance for credit losses by portfolio segment for the three March 31, 2024. 1-4 Family Commercial Commercial Residential & Real Land Real Industrial Estate Farmland Development Estate Consumer Total ACL beginning balance $ 955 $ 4,131 $ 89 $ 246 $ 1,696 $ 870 $ 7,987 Provision for expected credit losses 122 (381 ) 1 (78 ) 276 75 15 Charge-offs — — — — — (138 ) (138 ) Recoveries — — — — 1 46 47 ACL ending balance $ 1,077 $ 3,750 $ 90 $ 168 $ 1,973 $ 853 $ 7,911 The following table presents the activity in the allowance for credit losses by portfolio segment for the nine March 31, 2024. 1-4 Family Commercial Commercial Residential & Real Land Real Industrial Estate Farmland Development Estate Consumer Total ACL beginning balance $ 1,308 $ 3,943 $ — $ — $ 1,571 $ 902 $ 7,724 Cumulative effect of change in accounting principle (455 ) (53 ) 93 398 166 (97 ) 52 Provision for expected credit losses 224 (140 ) (3 ) (230 ) 233 296 380 Charge-offs — — — — — (381 ) (381 ) Recoveries — — — — 3 133 136 ACL ending balance $ 1,077 $ 3,750 $ 90 $ 168 $ 1,973 $ 853 $ 7,911 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 amortized cost of non-accrual loans by class as of March 31, 2024: March 31, 2024 Interest Income Non-accrual Total Recognized during loans with Non-accrual the period on no ACL loans non-accrual loans Commercial & Industrial $ 332 $ 332 $ — Commercial real estate: Owner occupied 429 429 — 1 – 4 family residential real estate 264 264 — Total $ 1,025 $ 1,025 $ — The following table presents the recorded investment of non-accrual loans by class as of June 30, 2023: June 30, 2023 Non-accrual Commercial Real Estate: Other $ 51 1 – 4 family residential: Non-owner occupied 3 Total $ 54 The following table presents the aging of the amortized cost of past due loans as of March 31, 2024 Loans 90 Days Past Due Days Past 30 59 60 89 90 Days or Total Loans Not Due and Days Days Greater Past Due Past Due Total Accruing Commercial & Industrial $ 6 $ 54 $ 332 $ 392 $ 115,054 $ 115,446 $ — Commercial real estate: Owner occupied — — 429 429 159,032 159,461 — Non-owner occupied — — — — 151,230 151,230 — Farmland — — — — 39,050 39,050 — Land development — — — — 12,095 12,095 — 1 – 4 family residential real estate 793 22 73 888 192,055 192,943 — Consumer 584 168 66 818 71,541 72,359 66 Total $ 1,383 $ 244 $ 900 $ 2,527 $ 740,057 $ 742,584 $ 66 The following table presents the aging of the recorded investment in past due loans as of June 30, 2023 Loans 90 Days Past Due Days Past 30 59 60 89 90 Days or Total Loans Not Due and Days Days Greater Past Due Past Due Total Accruing Commercial & Industrial $ — $ — $ — $ — $ 112,826 $ 112,826 $ — Commercial real estate: Construction — — — — 23,996 23,996 — Other — — 51 51 318,654 318,705 — 1-4 family residential: Owner occupied 17 124 — 141 158,296 158,437 — Non-owner occupied — — 3 3 23,885 23,888 — Construction — — — — 8,514 8,514 — Consumer 438 120 50 608 64,986 65,594 50 Total $ 455 $ 244 $ 104 $ 803 $ 711,157 $ 711,960 $ 50 Credit Quality Indicators: The Company 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. At the time of origination, the Company analyzes all commercial loans individually and classifies the loans by credit risk. Management regularly monitors commercial loans for any changes in the borrowers’ ability to service their debt and completes an annual review to confirm the risk rating for those loans with total outstanding loan relationships greater than $500. Pass. may may not Special Mention. may Substandard. not Doubtful. Not not Based on the most recent analysis performed, the following tables present the amortized cost by internal risk category and class of loans as of March 31, 2024: Revolving Revolving Loans Loans Term Loans by Origination Year Amortized Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total Commercial & Industrial Pass $ 27,006 $ 25,565 $ 30,303 $ 7,883 $ 3,805 $ 4,550 $ 14,280 $ — $ 113,392 Special Mention — — 365 69 12 43 1,182 — 1,671 Substandard — — — — — — — 300 300 Doubtful — — — — — — 83 — 83 Total Commercial & Industrial $ 27,006 $ 25,565 $ 30,668 $ 7,952 $ 3,817 $ 4,593 $ 15,545 $ 300 $ 115,446 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate: Owner occupied: Pass $ 14,605 $ 20,372 $ 34,929 $ 22,648 $ 15,268 $ 41,645 $ 7,005 $ — $ 156,472 Special Mention — — — — 332 2,156 152 — 2,640 Substandard — — — — — 260 — — 260 Doubtful — — — 38 — 51 — — 89 Total owner occupied $ 14,605 $ 20,372 $ 34,929 $ 22,686 $ 15,600 $ 44,112 $ 7,157 $ — $ 159,461 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-owner occupied: Pass $ 14,101 $ 38,508 $ 22,535 $ 25,135 $ 11,717 $ 35,148 $ 685 $ — $ 147,829 Special Mention — — — 3,401 — — — — 3,401 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total non-owner occupied $ 14,101 $ 38,508 $ 22,535 $ 28,536 $ 11,717 $ 35,148 $ 685 $ — $ 151,230 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Farmland: Pass $ 1,349 $ 5,876 $ 5,910 $ 5,356 $ 2,321 $ 16,469 $ 977 $ — $ 38,258 Special Mention — — — — — 792 — — 792 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Farmland $ 1,349 $ 5,876 $ 5,910 $ 5,356 $ 2,321 $ 17,261 $ 977 $ — $ 39,050 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Land Development: Pass $ 3,384 $ 2,015 $ 358 $ 520 $ 294 $ 526 $ 4,998 $ — $ 12,095 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Land Development $ 3,384 $ 2,015 $ 358 $ 520 $ 294 $ 526 $ 4,998 $ — $ 12,095 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total: Pass $ 60,445 $ 92,336 $ 94,035 $ 61,542 $ 33,405 $ 98,338 $ 27,945 $ — $ 468,046 Special Mention — — 365 3,470 344 2,991 1,334 — 8,504 Substandard — — — — — 260 — 300 560 Doubtful — — — 38 — 51 83 — 172 Total $ 60,445 $ 92,336 $ 94,400 $ 65,050 $ 33,749 $ 101,640 $ 29,362 $ 300 $ 477,282 Management monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due 90 March 31, 2024: Revolving Revolving Loans Loans Term Loans by Origination Year Amortized Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total 1 4 family residential real estate: Performing $ 13,403 $ 22,831 $ 30,691 $ 51,646 $ 19,600 $ 29,952 $ 24,556 $ — $ 192,679 Nonperforming — — 192 — — 72 — — 264 Total 1-4 family residential real estate $ 13,403 $ 22,831 $ 30,883 $ 51,646 $ 19,600 $ 30,024 $ 24,556 $ — $ 192,943 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Performing $ 24,104 $ 27,871 $ 14,053 $ 4,951 $ 766 $ 355 $ 193 $ — $ 72,293 Nonperforming — 4 62 — — — — — 66 Total consumer $ 24,104 $ 27,875 $ 14,115 $ 4,951 $ 766 $ 355 $ 193 $ — $ 72,359 Current year-to-date gross write-offs $ 31 $ 115 $ 144 $ 54 $ 36 $ 1 $ — $ — $ 381 Total: Performing $ 37,507 $ 50,702 $ 44,744 $ 56,597 $ 20,366 $ 30,307 $ 24,749 $ — $ 264,972 Nonperforming — 4 254 — — 72 — — 330 Total $ 37,507 $ 50,706 $ 44,998 $ 56,597 $ 20,366 $ 30,379 $ 24,749 $ — $ 265,302 Based on the most recent analysis performed, the following table presents the recorded investment by risk category and by class of loans as of June 30, 2023: Special Not Pass Mention Substandard Doubtful Rated Commercial & Industrial $ 110,928 $ 1,174 $ 573 $ — $ 151 Commercial real estate: Construction 23,996 — — — — Other 310,427 7,097 468 51 662 1-4 Family residential real estate: Owner occupied 2,013 — 17 — 156,407 Non-owner occupied 23,474 50 105 3 256 Construction 3,227 — — — 5,287 Consumer 597 — — — 64,997 Total $ 474,662 $ 8,321 $ 1,163 $ 54 $ 227,760 Modifications to Borrowers Experiencing Financial Difficulty Occasionally, the Company modifies loans to borrowers experiencing financial difficulty to maximize collection of loan balances by providing principal forgiveness, term extension, an other-than insignificant payment delay, or an interest rate reduction. In some cases, the Company may one There were no nine March 31, 2024. Impaired Loans The following impaired loan information relates to required disclosures under the previous incurred loan loss methodology and are only presented with prior period information. 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, 2023. 1-4 Family Commercial Commercial Residential & Real Real Industrial Estate Estate Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment — 40 74 — 114 Originated loans collectively evaluated for impairment 1,308 3,903 1,497 902 7,610 Total ending allowance balance $ 1,308 $ 3,943 $ 1,571 $ 902 $ 7,724 Recorded investment in loans: Loans individually evaluated for impairment $ 314 $ 88 $ 3 $ — $ 405 Acquired loans collectively evaluated for impairment 622 6,953 23,038 1,230 31,843 Originated loans collectively evaluated for impairment 111,890 335,660 167,798 64,364 679,712 Total ending loans balance $ 112,826 $ 342,701 $ 190,839 $ 65,594 $ 711,960 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, 2023 nine March 31, 2023: As of June 30, 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 & Industrial $ 404 $ 314 $ — $ 303 $ 27 $ 27 Commercial real estate: Other 127 88 — 40 5 5 1-4 Family residential real estate: Owner occupied 24 — — 20 2 2 Non-owner occupied 3 3 — 42 — — Total $ 558 $ 405 $ — $ 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

Note 4 - Fair Value

Note 4 - Fair Value	9 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 4 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, 2024 2024 Level 1 Level 2 Level 3 Assets: Obligations of U.S. Treasury $ 6,192 $ 6,192 $ — $ — Obligations of U.S. government-sponsored entities and agencies 24,884 — 24,884 — Obligations of state and political subdivisions 78,947 — 78,947 — U.S. Government-sponsored mortgage-backed securities – residential 82,149 — 82,149 — U.S. Government-sponsored mortgage-backed securities – commercial 6,846 — 6,846 — U.S. Government-sponsored collateralized mortgage obligations - residential 52,037 — 52,037 — Other debt securities 14,591 — 14,591 — Equity securities 386 — 386 — Balance at June 30, Fair Value Measurements at June 30, 2023 2023 Level 1 Level 2 Level 3 Assets: Obligations of U.S. treasury $ 8,408 $ 8,408 $ — $ — Obligations of U.S. government-sponsored entities and agencies 25,692 — 25,692 — Obligations of state and political subdivisions 83,972 — 83,972 — U.S. government-sponsored mortgage-backed securities - residential 89,635 — 89,635 — U.S. government-sponsored mortgage-backed securities - commercial 6,795 — 6,795 — U.S. government-sponsored collateralized mortgage obligations - residential 50,070 — 50,070 — Other debt securities 15,033 — 15,033 — Equity securities 386 — 386 — There were no 1 2 three nine March 31, 2024. Certain assets and liabilities are measured at fair value on a non-recurring basis; that is, the instruments are not may 326 Collateral Dependent Loans: may 3 no March 31, 2024. no June 30, 2023. Other Real Estate and Repossessed Assets Owned: March 31, 2024 June 30, 2023. March 31, 2024 June 30, 2023 The following table shows the estimated fair values of financial instruments that are reported at amortized cost in the Company’s consolidated balance sheets, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2024 June 30, 2023 Carrying Estimated Carrying Estimated Financial Assets: Level 1 inputs: Cash and cash equivalents $ 26,849 $ 26,849 $ 11,755 $ 11,755 Level 2 inputs: Certificates of deposit in other financial institutions 748 748 2,501 2,450 Loans held for sale 45 45 764 774 Accrued interest receivable 3,459 3,459 3,024 3,024 Level 3 inputs: Securities held-to-maturity 6,428 5,841 6,970 6,294 Loans, net 734,673 693,747 702,638 656,737 Financial Liabilities: Level 2 inputs: Demand and savings deposits 716,925 716,925 738,190 738,190 Time deposits 258,205 257,197 214,343 211,856 Short-term borrowings 28,965 28,965 26,367 26,367 Federal Home Loan Bank advances 8,122 7,071 8,776 7,678 Accrued interest payable 906 906 344 344 The assumptions used to estimate fair value are described as follows: Cash and cash equivalents: 1 Certificates of deposits in other financial institutions: 2 Accrued interest receivable and payable, demand and savings deposits and short-term borrowings 2 Loans held for sale: third 2 Loans: no 3 Securities held-to-maturity: 3 Time deposits: March 31, 2024 2023 2 not Federal Home Loan Bank advances: March 31, 2024 2023 2 Federal bank and other restricted stocks, at cost: not Off-balance sheet commitments: not not

Note 5 - Affordable Housing Tax

Note 5 - Affordable Housing Tax Credit Partnership	9 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Investments in Affordable Housing Tax Credits Projects [Text Block]	NOTE 5 AFFORDABLE HOUSING TAX CREDIT PARTNERSHIP In April 2023, 42 not The Company uses the proportional amortization method to account for its investment. The investment is included in other assets and the unfunded commitment is included in other liabilities. As a limited partner, there is no The following table summarizes the balances of the affordable housing tax credit investment and related unfunded commitment at March 31, 2024 June 30, 2023. March 31, 2024 June 30, 2023 Affordable housing tax credit investment $ 10,250 $ 10,250 Less: amortization (233 ) — Net affordable housing tax credit investment $ 10,017 $ 10,250 Unfunded commitments $ 8,279 $ 9,668 The following summarizes other information relating to the affordable housing tax credit investment for the three nine March 31, 2024 2023. Three Months Ended March 31, Nine Months Ended March 31, 2024 2023 2024 2023 Tax credits and other tax benefits recognized $ 249 $ — $ 272 $ — Proportional amortization expense included in provision for income taxes 231 — 233 —

Note 6 - Earnings Per Share

Note 6 - Earnings Per Share	9 Months Ended
	Mar. 31, 2024
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, 2024. three nine March 31, 2023. For the Three Months Ended March 31, For the Nine Months Ended March 31, 2024 2023 2024 2023 Basic: Net income available to common shareholders $ 2,052 $ 2,636 $ 6,477 $ 7,980 Weighted average common shares outstanding 3,115,723 3,078,595 3,104,994 3,072,336 Basic income per share $ 0.66 $ 0.86 $ 2.09 $ 2.60 Diluted: Net income available to common shareholders $ 2,052 $ 2,636 $ 6,477 $ 7,980 Weighted average common shares outstanding 3,115,723 3,078,595 3,104,994 3,072,336 Dilutive effect of restricted stock — 1,218 — — Total common shares and dilutive potential common shares 3,115,723 3,079,813 3,104,994 3,072,336 Dilutive income per share $ 0.66 $ 0.86 $ 2.09 $ 2.60

Note 7 - Accumulated Other Comp

Note 7 - Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Mar. 31, 2024
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 nine March 31, 2024 2023, Pretax Tax Effect After-tax Balance as of December 31, 2023 $ (32,042 ) $ 6,729 $ (25,313 ) Unrealized holding losses on available-for-sale securities arising during the period (3,772 ) 792 (2,980 ) Amounts reclassified from accumulated other comprehensive income 1 — 1 Net current period other comprehensive loss (3,771 ) 792 (2,979 ) Balance as of March 31, 2024 $ (35,813 ) $ 7,521 $ (28,292 ) 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 income 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 June 30, 2023 $ (37,925 ) $ 7,964 $ (29,961 ) Unrealized holding gains on available-for-sale securities arising during the period 2,032 (426 ) 1,606 Amounts reclassified from accumulated other comprehensive loss 80 (17 ) 63 (a)(b) Net current period other comprehensive income 2,112 (443 ) 1,669 Balance as of March 31, 2024 $ (35,813 ) $ 7,521 $ (28,292 ) 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 loss 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 ) (a) Securities (gains) losses, net (b) Income tax expense

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended	9 Months Ended
	Mar. 31, 2024	Mar. 31, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]		Item 5 – Other Information None
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Mar. 31, 2024
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, 2023. not may The consolidated financial statements include the accounts of the Company 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]	Adoption of New Accounting Standards: June 2016, 2016 13, 326 This guidance became effective for the Company on July 1, 2023 July 1, 2023 326 At adoption, the Company recognized an incremental allowance for credit losses on loans of $52 and a liability for off-balance sheet unfunded commitments of $308. Additionally, a $285 decrease to the retained earnings account associated with the increased estimated credit losses was recorded along with the $75 tax impact portion being recorded as part of the deferred tax asset in other assets on our Consolidated Balance Sheet.
Credit Loss, Financial Instrument [Policy Text Block]	Allowance for Credit Losses (ACL) Topic 326 Portfolio Segmentation The allowance for credit losses consists of general and specific components. The general component covers loans within portfolio segments that are collectively evaluated for credit losses. Portfolio segmentation is the pooling of loans based upon similar risk characteristics so that quantitative methodologies and qualitative adjustment factors for estimating the allowance for credit losses can be applied to the pool of loans in each segment. The Company has identified six 1 4 Commercial & Industrial: Commercial loans are made for a wide variety of general business purposes, including financing for equipment, inventories and accounts receivable. The term of each commercial loan varies by its purpose. Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Current and projected cash flows are evaluated to determine the ability of the borrower to repay their obligations as agreed. Commercial loans are primarily made based on the identified cash flows of the borrower and on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not may may may Commercial Real Estate: Commercial real estate loans include mortgage loans to owners of owner-occupied commercial properties, commercial investment properties, and multi-family investment properties as well as loans originated to finance the construction of owner occupied and investment properties. Commercial real estate lending typically involves higher loan principal amounts, and the repayment of these loans is generally largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Current and projected cash flows are evaluated to determine the ability of the borrower to repay their obligations as agreed. Loans secured by existing commercial real estate have fixed or variable rates with amortization periods of up to 25 Commercial construction loans generally adjust with the prime rate during the construction period and may 25 may not Commercial real estate loans may may three Farmland: Farmland loans include loans to finance or refinance the acquisition or improvement of land used for agricultural purposes. The loans are secured by mortgages on the land and buildings, contain fixed and variable rates, and amortize over periods up to 30 may Land Development: Land Development loans include loans to finance the land acquisition and the infrastructure improvements necessary to develop saleable residential lots located within our primary market area. Land development loans are adjustable-rate loans with interest only periods generally up to three third Land development financing is considered to involve a higher degree of credit risk than long-term financing on improved real estate. Risk of loss on a development loan is dependent largely upon the accuracy of the initial estimate of development costs and of the respective values of the completed lots. If the estimate of value proves to be inaccurate, we may 1 4 one four no 85% thirty 18 may thirty Consumer: The Company originates direct and indirect consumer loans, primarily automobile loans, personal lines of credit, and unsecured consumer loans in its primary market areas. Credit approval for consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances as compared to real estate mortgage loans, and generally carry higher risks of default. Consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances and economic conditions. Consumer loans generally have fixed rates and amortization periods up to 84 The allowance for credit losses for portfolio segments is evaluated based upon periodic quantitative review of the collectability of the loans that correlates historical loan experience with reasonable and supportable forecasts using forward looking information. The Company utilizes a discounted cash flow (loss rate, expected loss) method to estimate the quantitative portion of the allowance for credit losses for all portfolio segments. For each portfolio segment, a loss driver analysis (LDA) is performed to identify appropriate loss indicators and create a regression model for use in forecasting cash flows. The LDA analysis utilizes peer data from the Federal Financial Institutions Examination Council’s (FFIEC) Call Report data for all segments. The Company has established a one one third Adjustments may Individually Evaluated Loans Loans that do not not third Reserve for Unfunded Commitments The reserve for unfunded commitments represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit over the contractual period in which we are exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by the Company. Any reserve for off-balance sheet credit exposures is reported as an other liability on our Consolidated Balance Sheet and is increased or decreased via the provision for credit losses account on our Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The reserve is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to be funded. Available-for-Sale (AFS) and Held-to-Maturity (HTM) Debt Securities For AFS securities in an unrealized loss position, management determines whether the Company intends to sell or if it is more likely than not not 326 30 not Since the adoption of CECL, the Company monitors the credit quality of HTM debt securities primarily through the financial condition of the issuer. Any allowance for credit losses on HTM securities would be a contra asset valuation account that would be deducted from the carrying amount of HTM securities to present the net amount expected to be collected and would be charged off against the allowance for credit losses when deemed uncollectible. Adjustments to the allowance for credit losses would be reported in the Company’s Consolidated Statements of Income in the provision for credit losses. Since all the HTM securities are non-rated municipal securities to local customers, management considers the financial condition of the issuer and whether issuers continue to make timely principal and interest payments under the contractual terms of the securities. At March 31, 2024 July 1, 2023, no Accrued Interest Receivable Upon adoption of ASU 2016 13 July 1, 2023, • Exclude accrued interest receivable that is included in the amortized cost of financing receivables and debt securities from related disclosure requirements. • Continue its policy to write off accrued interest receivable by reversing it from interest income. For commercial and real estate loans, accruing interest is typically discontinued and any balance is written off when the loan becomes 90 no 120 not • Not On July 1, 2023, 2022 02, 326 326 not
Recent Accounting Pronouncements [Policy Text Block]	Recent Accounting Pronouncements December 2023, No. 2023 09, 740 2023 09 2023 09 2023 09 December 15, 2024 2023 09 not

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	9 Months Ended
	Mar. 31, 2024
Notes Tables
Marketable Securities [Table Text Block]	Available for-Sale Amortized Gross Gross Fair March 31, 2024 Obligations of U.S. Treasury $ 6,465 $ — $ (273 ) $ 6,192 Obligations of U.S. government-sponsored entities and agencies 28,327 7 (3,450 ) 24,884 Obligations of state and political subdivisions 86,510 88 (7,651 ) 78,947 U.S. Government-sponsored mortgage-backed securities–residential 96,885 — (14,736 ) 82,149 U.S. Government-sponsored mortgage-backed securities– commercial 8,589 — (1,743 ) 6,846 U.S. Government-sponsored collateralized mortgage obligations– residential 57,621 108 (5,692 ) 52,037 Other debt securities 17,062 — (2,471 ) 14,591 Total securities available-for-sale $ 301,459 $ 203 $ (36,016 ) $ 265,646 Held-to-Maturity Amortized Gross Gross Losses Fair March 31, 2024 Obligations of state and political subdivisions $ 6,428 $ — $ (587 ) $ 5,841 Available-for-sale Amortized Gross Gross Fair June 30, 2023 Obligation of U.S Treasury $ 8,941 $ — $ (533 ) $ 8,408 Obligations of U.S. government-sponsored entities and agencies 29,430 7 (3,745 ) 25,692 Obligations of state and political subdivisions 92,891 63 (8,982 ) 83,972 U.S. Government-sponsored mortgage-backed securities - residential 104,689 12 (15,066 ) 89,635 U.S. Government-sponsored mortgage-backed securities - commercial 8,604 — (1,809 ) 6,795 U.S. Government-sponsored collateralized mortgage obligations – residential 55,800 8 (5,738 ) 50,070 Other debt securities 17,175 — (2,142 ) 15,033 Total securities available-for-sale $ 317,530 $ 90 $ (38,015 ) $ 279,605 Held-to-maturity Amortized Gross Gross Losses Fair June 30, 2023 Obligations of state and political subdivisions $ 6,970 $ — $ (676 ) $ 6,294
Schedule of Realized Gain (Loss) [Table Text Block]	Three Months Ended March 31, Nine Months Ended March 31, 2024 2023 2024 2023 Proceeds from sales $ 4,090 $ 5,977 $ 8,092 $ 9,685 Gross realized gains 14 35 14 43 Gross realized losses 15 37 94 60
Investments Classified by Contractual Maturity Date [Table Text Block]	Available-for-Sale Amortized Cost Estimated Fair Value Due in one year or less $ 10,850 $ 10,664 Due after one year through five years 27,761 22,452 Due after five years through ten years 32,458 32,954 Due after ten years 67,295 58,544 Total 138,364 124,614 U.S. Government-sponsored mortgage-backed and related securities 163,095 141,032 Total securities available-for-sale $ 301,459 $ 265,646 Held-to-Maturity Due in one year or less $ 86 $ 85 Due after one year through five years 2,634 2,555 Due after five years through ten years 3,708 3,201 Total securities held-to-maturity $ 6,428 $ 5,841
Schedule of Unrealized Losses on Investments [Table Text Block]	Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized March 31, 2024 Obligation of U.S. Treasury $ — $ — $ 6,192 $ (273 ) $ 6,192 $ (273 ) Obligations of U.S. government-sponsored entities and agencies 877 (6 ) 23,006 (3,444 ) 23,883 (3,450 ) Obligations of state and political subdivisions 6,250 (85 ) 63,934 (7,566 ) 70,184 (7,651 ) U.S. Government-sponsored mortgage-backed securities – residential 3,426 (45 ) 78,723 (14,691 ) 82,149 (14,736 ) U.S. Government-sponsored mortgage-backed securities – commercial — — 6,846 (1,743 ) 6,846 (1,743 ) Collateralized mortgage obligations - residential 12,626 (171 ) 32,818 (5,521 ) 45,444 (5,692 ) Other debt securities — — 14,591 (2,471 ) 14,591 (2,471 ) Total temporarily impaired $ 23,179 $ (307 ) $ 226,110 $ (35,709 ) $ 249,289 $ (36,016 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized March 31, 2024 Obligations of state and political subdivisions $ — $ — $ 5,841 $ (587 ) $ 5,841 $ (587 ) Total temporarily impaired $ — $ — $ 5,841 $ (587 ) $ 5,841 $ (587 ) Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2023 Obligations of U.S. Treasury $ — $ — $ 8,408 $ (533 ) $ 8,408 $ (533 ) Obligations of U.S. government-sponsored entities and agencies 1,008 (10 ) 23,551 (3,735 ) 24,559 (3,745 ) Obligations of state and political subdivisions 16,009 (344 ) 62,492 (8,638 ) 78,501 (8,982 ) Mortgage-backed securities – residential 3,334 (84 ) 85,096 (14,982 ) 88,430 (15,066 ) Mortgage-backed securities – commercial — — 6,795 (1,809 ) 6,795 (1,809 ) Collateralized mortgage obligations - residential 22,039 (638 ) 27,023 (5,100 ) 49,062 (5,738 ) Other debt securities — — 15,033 (2,142 ) 15,033 (2,142 ) Total temporarily impaired $ 42,390 $ (1,076 ) $ 228,398 $ (36,939 ) $ 270,788 $ (38,015 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized June 30, 2023 Obligations of state and political subdivisions $ — $ — $ 6,294 $ (676 ) $ 6,294 $ (676 ) Total temporarily impaired $ — $ — $ 6,294 $ (676 ) $ 6,294 $ (676 )
Unrealized Gain (Loss) on Investments [Table Text Block]	Three Months Ended March 31, Nine Months Ended March 31, 2024 2023 2024 2023 Unrealized gain (loss) recognized on equity securities held at the end of the period $ — $ 19 $ — $ (14 )

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Credit Losses (Tables)	9 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, 2024 June 30, 2023 Commercial & Industrial $ 115,402 $ 112,558 Commercial real estate: Owner occupied 159,732 151,005 Non-owner occupied 151,555 140,002 Farmland 39,150 40,606 Land Development 12,138 11,004 1 – 4 family residential real estate 191,884 189,312 Consumer 72,600 65,617 Subtotal 742,461 710,104 Unamortized deferred loan costs, net 123 258 Allowance for credit losses (7,911 ) (7,724 ) Net Loans $ 734,673 $ 702,638
Financing Receivable, Allowance for Credit Loss [Table Text Block]	1-4 Family Commercial Commercial Residential & Real Land Real Industrial Estate Farmland Development Estate Consumer Total ACL beginning balance $ 955 $ 4,131 $ 89 $ 246 $ 1,696 $ 870 $ 7,987 Provision for expected credit losses 122 (381 ) 1 (78 ) 276 75 15 Charge-offs — — — — — (138 ) (138 ) Recoveries — — — — 1 46 47 ACL ending balance $ 1,077 $ 3,750 $ 90 $ 168 $ 1,973 $ 853 $ 7,911 1-4 Family Commercial Commercial Residential & Real Land Real Industrial Estate Farmland Development Estate Consumer Total ACL beginning balance $ 1,308 $ 3,943 $ — $ — $ 1,571 $ 902 $ 7,724 Cumulative effect of change in accounting principle (455 ) (53 ) 93 398 166 (97 ) 52 Provision for expected credit losses 224 (140 ) (3 ) (230 ) 233 296 380 Charge-offs — — — — — (381 ) (381 ) Recoveries — — — — 3 133 136 ACL ending balance $ 1,077 $ 3,750 $ 90 $ 168 $ 1,973 $ 853 $ 7,911 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 Commercial Residential & Real Real Industrial Estate Estate Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment — 40 74 — 114 Originated loans collectively evaluated for impairment 1,308 3,903 1,497 902 7,610 Total ending allowance balance $ 1,308 $ 3,943 $ 1,571 $ 902 $ 7,724 Recorded investment in loans: Loans individually evaluated for impairment $ 314 $ 88 $ 3 $ — $ 405 Acquired loans collectively evaluated for impairment 622 6,953 23,038 1,230 31,843 Originated loans collectively evaluated for impairment 111,890 335,660 167,798 64,364 679,712 Total ending loans balance $ 112,826 $ 342,701 $ 190,839 $ 65,594 $ 711,960
Financing Receivable, Nonaccrual [Table Text Block]	March 31, 2024 Interest Income Non-accrual Total Recognized during loans with Non-accrual the period on no ACL loans non-accrual loans Commercial & Industrial $ 332 $ 332 $ — Commercial real estate: Owner occupied 429 429 — 1 – 4 family residential real estate 264 264 — Total $ 1,025 $ 1,025 $ — June 30, 2023 Non-accrual Commercial Real Estate: Other $ 51 1 – 4 family residential: Non-owner occupied 3 Total $ 54
Financing Receivable, Past Due [Table Text Block]	Loans 90 Days Past Due Days Past 30 59 60 89 90 Days or Total Loans Not Due and Days Days Greater Past Due Past Due Total Accruing Commercial & Industrial $ 6 $ 54 $ 332 $ 392 $ 115,054 $ 115,446 $ — Commercial real estate: Owner occupied — — 429 429 159,032 159,461 — Non-owner occupied — — — — 151,230 151,230 — Farmland — — — — 39,050 39,050 — Land development — — — — 12,095 12,095 — 1 – 4 family residential real estate 793 22 73 888 192,055 192,943 — Consumer 584 168 66 818 71,541 72,359 66 Total $ 1,383 $ 244 $ 900 $ 2,527 $ 740,057 $ 742,584 $ 66 Loans 90 Days Past Due Days Past 30 59 60 89 90 Days or Total Loans Not Due and Days Days Greater Past Due Past Due Total Accruing Commercial & Industrial $ — $ — $ — $ — $ 112,826 $ 112,826 $ — Commercial real estate: Construction — — — — 23,996 23,996 — Other — — 51 51 318,654 318,705 — 1-4 family residential: Owner occupied 17 124 — 141 158,296 158,437 — Non-owner occupied — — 3 3 23,885 23,888 — Construction — — — — 8,514 8,514 — Consumer 438 120 50 608 64,986 65,594 50 Total $ 455 $ 244 $ 104 $ 803 $ 711,157 $ 711,960 $ 50
Financing Receivable Credit Quality Indicators [Table Text Block]	Revolving Revolving Loans Loans Term Loans by Origination Year Amortized Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total Commercial & Industrial Pass $ 27,006 $ 25,565 $ 30,303 $ 7,883 $ 3,805 $ 4,550 $ 14,280 $ — $ 113,392 Special Mention — — 365 69 12 43 1,182 — 1,671 Substandard — — — — — — — 300 300 Doubtful — — — — — — 83 — 83 Total Commercial & Industrial $ 27,006 $ 25,565 $ 30,668 $ 7,952 $ 3,817 $ 4,593 $ 15,545 $ 300 $ 115,446 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate: Owner occupied: Pass $ 14,605 $ 20,372 $ 34,929 $ 22,648 $ 15,268 $ 41,645 $ 7,005 $ — $ 156,472 Special Mention — — — — 332 2,156 152 — 2,640 Substandard — — — — — 260 — — 260 Doubtful — — — 38 — 51 — — 89 Total owner occupied $ 14,605 $ 20,372 $ 34,929 $ 22,686 $ 15,600 $ 44,112 $ 7,157 $ — $ 159,461 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-owner occupied: Pass $ 14,101 $ 38,508 $ 22,535 $ 25,135 $ 11,717 $ 35,148 $ 685 $ — $ 147,829 Special Mention — — — 3,401 — — — — 3,401 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total non-owner occupied $ 14,101 $ 38,508 $ 22,535 $ 28,536 $ 11,717 $ 35,148 $ 685 $ — $ 151,230 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Farmland: Pass $ 1,349 $ 5,876 $ 5,910 $ 5,356 $ 2,321 $ 16,469 $ 977 $ — $ 38,258 Special Mention — — — — — 792 — — 792 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Farmland $ 1,349 $ 5,876 $ 5,910 $ 5,356 $ 2,321 $ 17,261 $ 977 $ — $ 39,050 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Land Development: Pass $ 3,384 $ 2,015 $ 358 $ 520 $ 294 $ 526 $ 4,998 $ — $ 12,095 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Land Development $ 3,384 $ 2,015 $ 358 $ 520 $ 294 $ 526 $ 4,998 $ — $ 12,095 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total: Pass $ 60,445 $ 92,336 $ 94,035 $ 61,542 $ 33,405 $ 98,338 $ 27,945 $ — $ 468,046 Special Mention — — 365 3,470 344 2,991 1,334 — 8,504 Substandard — — — — — 260 — 300 560 Doubtful — — — 38 — 51 83 — 172 Total $ 60,445 $ 92,336 $ 94,400 $ 65,050 $ 33,749 $ 101,640 $ 29,362 $ 300 $ 477,282 Revolving Revolving Loans Loans Term Loans by Origination Year Amortized Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total 1 4 family residential real estate: Performing $ 13,403 $ 22,831 $ 30,691 $ 51,646 $ 19,600 $ 29,952 $ 24,556 $ — $ 192,679 Nonperforming — — 192 — — 72 — — 264 Total 1-4 family residential real estate $ 13,403 $ 22,831 $ 30,883 $ 51,646 $ 19,600 $ 30,024 $ 24,556 $ — $ 192,943 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Performing $ 24,104 $ 27,871 $ 14,053 $ 4,951 $ 766 $ 355 $ 193 $ — $ 72,293 Nonperforming — 4 62 — — — — — 66 Total consumer $ 24,104 $ 27,875 $ 14,115 $ 4,951 $ 766 $ 355 $ 193 $ — $ 72,359 Current year-to-date gross write-offs $ 31 $ 115 $ 144 $ 54 $ 36 $ 1 $ — $ — $ 381 Total: Performing $ 37,507 $ 50,702 $ 44,744 $ 56,597 $ 20,366 $ 30,307 $ 24,749 $ — $ 264,972 Nonperforming — 4 254 — — 72 — — 330 Total $ 37,507 $ 50,706 $ 44,998 $ 56,597 $ 20,366 $ 30,379 $ 24,749 $ — $ 265,302 Special Not Pass Mention Substandard Doubtful Rated Commercial & Industrial $ 110,928 $ 1,174 $ 573 $ — $ 151 Commercial real estate: Construction 23,996 — — — — Other 310,427 7,097 468 51 662 1-4 Family residential real estate: Owner occupied 2,013 — 17 — 156,407 Non-owner occupied 23,474 50 105 3 256 Construction 3,227 — — — 5,287 Consumer 597 — — — 64,997 Total $ 474,662 $ 8,321 $ 1,163 $ 54 $ 227,760
Impairment of Recorded Investments and Interest Income [Table Text Block]	As of June 30, 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 & Industrial $ 404 $ 314 $ — $ 303 $ 27 $ 27 Commercial real estate: Other 127 88 — 40 5 5 1-4 Family residential real estate: Owner occupied 24 — — 20 2 2 Non-owner occupied 3 3 — 42 — — Total $ 558 $ 405 $ — $ 405 $ 34 $ 34
Average Recorded Investment and Interest Income Associated with Loans [Table Text Block]	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

Note 4 - Fair Value (Tables)

Note 4 - Fair Value (Tables)	9 Months Ended
	Mar. 31, 2024
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, 2024 2024 Level 1 Level 2 Level 3 Assets: Obligations of U.S. Treasury $ 6,192 $ 6,192 $ — $ — Obligations of U.S. government-sponsored entities and agencies 24,884 — 24,884 — Obligations of state and political subdivisions 78,947 — 78,947 — U.S. Government-sponsored mortgage-backed securities – residential 82,149 — 82,149 — U.S. Government-sponsored mortgage-backed securities – commercial 6,846 — 6,846 — U.S. Government-sponsored collateralized mortgage obligations - residential 52,037 — 52,037 — Other debt securities 14,591 — 14,591 — Equity securities 386 — 386 — Balance at June 30, Fair Value Measurements at June 30, 2023 2023 Level 1 Level 2 Level 3 Assets: Obligations of U.S. treasury $ 8,408 $ 8,408 $ — $ — Obligations of U.S. government-sponsored entities and agencies 25,692 — 25,692 — Obligations of state and political subdivisions 83,972 — 83,972 — U.S. government-sponsored mortgage-backed securities - residential 89,635 — 89,635 — U.S. government-sponsored mortgage-backed securities - commercial 6,795 — 6,795 — U.S. government-sponsored collateralized mortgage obligations - residential 50,070 — 50,070 — Other debt securities 15,033 — 15,033 — Equity securities 386 — 386 —
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2024 June 30, 2023 Carrying Estimated Carrying Estimated Financial Assets: Level 1 inputs: Cash and cash equivalents $ 26,849 $ 26,849 $ 11,755 $ 11,755 Level 2 inputs: Certificates of deposit in other financial institutions 748 748 2,501 2,450 Loans held for sale 45 45 764 774 Accrued interest receivable 3,459 3,459 3,024 3,024 Level 3 inputs: Securities held-to-maturity 6,428 5,841 6,970 6,294 Loans, net 734,673 693,747 702,638 656,737 Financial Liabilities: Level 2 inputs: Demand and savings deposits 716,925 716,925 738,190 738,190 Time deposits 258,205 257,197 214,343 211,856 Short-term borrowings 28,965 28,965 26,367 26,367 Federal Home Loan Bank advances 8,122 7,071 8,776 7,678 Accrued interest payable 906 906 344 344

Note 5 - Affordable Housing T_2

Note 5 - Affordable Housing Tax Credit Partnership (Tables)	9 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Investments in Affordable Housing Projects [Table Text Block]	March 31, 2024 June 30, 2023 Affordable housing tax credit investment $ 10,250 $ 10,250 Less: amortization (233 ) — Net affordable housing tax credit investment $ 10,017 $ 10,250 Unfunded commitments $ 8,279 $ 9,668 Three Months Ended March 31, Nine Months Ended March 31, 2024 2023 2024 2023 Tax credits and other tax benefits recognized $ 249 $ — $ 272 $ — Proportional amortization expense included in provision for income taxes 231 — 233 —

Note 6 - Earnings Per Share (Ta

Note 6 - Earnings Per Share (Tables)	9 Months Ended
	Mar. 31, 2024
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, 2024 2023 2024 2023 Basic: Net income available to common shareholders $ 2,052 $ 2,636 $ 6,477 $ 7,980 Weighted average common shares outstanding 3,115,723 3,078,595 3,104,994 3,072,336 Basic income per share $ 0.66 $ 0.86 $ 2.09 $ 2.60 Diluted: Net income available to common shareholders $ 2,052 $ 2,636 $ 6,477 $ 7,980 Weighted average common shares outstanding 3,115,723 3,078,595 3,104,994 3,072,336 Dilutive effect of restricted stock — 1,218 — — Total common shares and dilutive potential common shares 3,115,723 3,079,813 3,104,994 3,072,336 Dilutive income per share $ 0.66 $ 0.86 $ 2.09 $ 2.60

Note 7 - Accumulated Other Co_2

Note 7 - Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Pretax Tax Effect After-tax Balance as of December 31, 2023 $ (32,042 ) $ 6,729 $ (25,313 ) Unrealized holding losses on available-for-sale securities arising during the period (3,772 ) 792 (2,980 ) Amounts reclassified from accumulated other comprehensive income 1 — 1 Net current period other comprehensive loss (3,771 ) 792 (2,979 ) Balance as of March 31, 2024 $ (35,813 ) $ 7,521 $ (28,292 ) 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 income 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 June 30, 2023 $ (37,925 ) $ 7,964 $ (29,961 ) Unrealized holding gains on available-for-sale securities arising during the period 2,032 (426 ) 1,606 Amounts reclassified from accumulated other comprehensive loss 80 (17 ) 63 (a)(b) Net current period other comprehensive income 2,112 (443 ) 1,669 Balance as of March 31, 2024 $ (35,813 ) $ 7,521 $ (28,292 ) 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 loss 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 )

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Jul. 01, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022
Financing Receivable, Allowance for Credit Loss	$ 7,911	$ 7,987		$ 7,724	$ 7,823	$ 7,675	$ 7,160
Retained Earnings (Accumulated Deficit)	$ 69,993			65,485
Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss				$ 52
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss			$ 52
Off-Balance-Sheet, Credit Loss, Liability			308
Retained Earnings (Accumulated Deficit)			(285)
Deferred Tax Asset, Tax Deferred Expense, Reserve and Accrual, Financing Receivable, Allowance for Credit Loss			$ 75

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ 0	$ 0	$ (17)	$ (4)
Debt Securities, Available-for-Sale, Restricted	$ 156,460		$ 156,460		$ 137,896
Qualitative Disclosure, Number of Positions	411		411
Available-for-sale, Qualitative Disclosure, Number of Positions	379		379
Held-to-maturity, Qualitative Disclosure, Number of Positions	4		4
Equity Securities, FV-NI, Cost	$ 400		$ 400		$ 400
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	98.60%		98.60%
US States and Political Subdivisions Debt Securities [Member] | Non-rated [Member]
Percent of Available for Sale Debt Securities Portfolio	1.40%		1.40%
Other Debt Obligations [Member] | Moody's, Ba2 Rating [Member]
Debt Securities, Available-for-Sale, Amortized Cost, after Allowance for Credit Loss	$ 2,000		$ 2,000
Maximum [Member]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ (1)	$ (1)

Note 2 - Securities - Amortized

Note 2 - Securities - Amortized Cost and Fair Value of Securities Available-for-sale and Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Available-for-sale securities, amortized cost	$ 301,459	$ 317,530
Available-for-sale securities, gross unrealized gains	203	90
Available-for-sale securities, gross unrealized losses	(36,016)	(38,015)
Available-for-sale securities, fair value	265,646	279,605
Held-to-maturity, amortized cost	6,428	6,970
Held-to-maturity, fair value	5,841	6,294
US Treasury Securities [Member]
Available-for-sale securities, amortized cost	6,465	8,941
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(273)	(533)
Available-for-sale securities, fair value	6,192	8,408
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, amortized cost	86,510	92,891
Available-for-sale securities, gross unrealized gains	88	63
Available-for-sale securities, gross unrealized losses	(7,651)	(8,982)
Available-for-sale securities, fair value	78,947	83,972
Held-to-maturity, amortized cost	6,428	6,970
Held-to-maturity, gross unrecognized gains	0	0
Held-to-maturity, gross unrecognized losses	(587)	(676)
Held-to-maturity, fair value	5,841	6,294
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale securities, amortized cost	28,327	29,430
Available-for-sale securities, gross unrealized gains	7	7
Available-for-sale securities, gross unrealized losses	(3,450)	(3,745)
Available-for-sale securities, fair value	24,884	25,692
Residential Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	96,885	104,689
Available-for-sale securities, gross unrealized gains	0	12
Available-for-sale securities, gross unrealized losses	(14,736)	(15,066)
Available-for-sale securities, fair value	82,149	89,635
Commercial Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	8,589	8,604
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(1,743)	(1,809)
Available-for-sale securities, fair value	6,846	6,795
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, amortized cost	57,621	55,800
Available-for-sale securities, gross unrealized gains	108	8
Available-for-sale securities, gross unrealized losses	(5,692)	(5,738)
Available-for-sale securities, fair value	52,037	50,070
Other Debt Obligations [Member]
Available-for-sale securities, amortized cost	17,062	17,175
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(2,471)	(2,142)
Available-for-sale securities, fair value	$ 14,591	$ 15,033

Note 2 - Securities - Proceeds

Note 2 - Securities - Proceeds From Sales and Calls of Available-for-sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Proceeds from sales	$ 4,090	$ 5,977	$ 8,092	$ 9,685
Gross realized gains	14	35	14	43
Gross realized losses	$ 15	$ 37	$ 94	$ 60

Note 2 - Securities - Amortiz_2

Note 2 - Securities - Amortized Cost and Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$ 10,850
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value	10,664
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	27,761
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	22,452
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	32,458
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	32,954
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	67,295
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	58,544
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis	138,364
Available-for-sale Securities, Debt Maturities, Single Maturity Date	124,614
Total securities available-for-sale	301,459	$ 317,530
Total securities available-for-sale	265,646	279,605
Due in one year or less, Net Carrying Amount	86
Due in one year or less, Fair Value	85
Due after one year through five years, Net Carrying Amount	2,634
Due after one year through five years, Fair Value	2,555
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount	3,708
Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value	3,201
Total securities held-to-maturity	6,428	6,970
Held-to-maturity Securities, Fair Value	5,841	$ 6,294
U.S. Government-sponsored Mortgage-backed and Related Securities [Member]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	163,095
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	$ 141,032

Note 2 - Securities - Securitie

Note 2 - Securities - Securities With Unrealized and Unrecognized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 23,179	$ 42,390
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(307)	(1,076)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	226,110	228,398
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(35,709)	(36,939)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	249,289	270,788
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(36,016)	(38,015)
Obligations of state and political subdivisions	5,841	6,294
Obligations of state and political subdivisions	(587)	(676)
Obligations of state and political subdivisions	5,841	6,294
Obligations of state and political subdivisions	(587)	(676)
Obligations of state and political subdivisions	5,841	6,294
Obligations of state and political subdivisions	5,841	6,294
US Treasury Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,192	8,408
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(273)	(533)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,192	8,408
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(273)	(533)
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	6,250	16,009
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(85)	(344)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	63,934	62,492
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(7,566)	(8,638)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	70,184	78,501
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(7,651)	(8,982)
Obligations of state and political subdivisions	5,841	6,294
Obligations of state and political subdivisions	(587)	(676)
Obligations of state and political subdivisions	5,841	6,294
Obligations of state and political subdivisions	(587)	(676)
Obligations of state and political subdivisions	5,841	6,294
Obligations of state and political subdivisions	5,841	6,294
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	877	1,008
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(6)	(10)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	23,006	23,551
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(3,444)	(3,735)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	23,883	24,559
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(3,450)	(3,745)
Residential Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	3,426	3,334
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(45)	(84)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	78,723	85,096
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(14,691)	(14,982)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	82,149	88,430
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(14,736)	(15,066)
Commercial Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,846	6,795
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,743)	(1,809)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,846	6,795
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1,743)	(1,809)
Collateralized Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	12,626	22,039
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(171)	(638)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	32,818	27,023
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(5,521)	(5,100)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	45,444	49,062
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(5,692)	(5,738)
Other Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	14,591	15,033
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(2,471)	(2,142)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	14,591	15,033
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (2,471)	$ (2,142)

Note 2 - Securities - Unrealize

Note 2 - Securities - Unrealized Gains and Losses on Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Unrealized gain (loss) recognized on equity securities held at the end of the period	$ 0	$ 19	$ 0	$ (14)

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Credit Losses (Details Textual) $ in Thousands	Jun. 30, 2023 USD ($)
Interest Receivable	$ 1,598

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Credit Losses - Major Classifications (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022
Gross loans	$ 742,461		$ 710,104
Unamortized deferred loan costs, net	123		258
Less allowance for credit losses	(7,911)	$ (7,987)	(7,724)	$ (7,823)	$ (7,675)	$ (7,160)
Net loans	734,673		702,638
Commercial Portfolio Segment [Member]
Gross loans	115,402		112,558
Less allowance for credit losses			(1,308)	(1,138)	(1,006)	(960)
Commercial Real Estate Portfolio Segment [Member]
Less allowance for credit losses	(3,750)	(4,131)	(3,943)	(3,981)	(4,084)	(3,927)
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Gross loans	159,732		151,005
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Gross loans	151,555		140,002
Farmland [Member]
Gross loans	39,150		40,606
Less allowance for credit losses	(90)	(89)	0
Land Development [Member]
Gross loans	12,138		11,004
Less allowance for credit losses	(168)	(246)	0
Residential Portfolio Segment [Member]
Gross loans	191,884		189,312
Less allowance for credit losses	(1,973)	(1,696)	(1,571)	(1,747)	(1,677)	(1,645)
Consumer Portfolio Segment [Member]
Gross loans	72,600		65,617
Less allowance for credit losses	$ (853)	$ (870)	$ (902)	$ (957)	$ (908)	$ (628)

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Credit Losses - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Jun. 30, 2023
Balance	$ 7,987	$ 7,675	$ 7,724	$ 7,160
Provision for expected credit losses	15	160	380	795
Charge-offs	(138)	(56)	(381)	(253)
Recoveries	47	44	136	121
Balance	7,911	7,823	7,911	7,823
Individually evaluated for impairment					$ 0
Total ending allowance balance	7,911	7,823	7,911	7,823	7,724
Loans individually evaluated for impairment					405
Total ending loans balance	742,584		742,584		711,960
Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment					114
Loans collectively evaluated for impairment					31,843
Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment					7,610
Loans collectively evaluated for impairment					679,712
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			52
Total ending allowance balance					52
Commercial & Industrial [Member]
Balance	955		1,308
Provision for expected credit losses	122		224
Charge-offs	0		0
Recoveries	0		0
Balance	1,077		1,077
Total ending allowance balance	1,077		1,077		1,308
Commercial & Industrial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			(455)
Total ending allowance balance					(455)
Commercial Real Estate Portfolio Segment [Member]
Balance	4,131	4,084	3,943	3,927
Provision for expected credit losses	(381)	(103)	(140)	53
Charge-offs	0	0	0	0
Recoveries	0	0	0	1
Balance	3,750	3,981	3,750	3,981
Individually evaluated for impairment					0
Total ending allowance balance	3,750	3,981	3,750	3,981	3,943
Loans individually evaluated for impairment					88
Total ending loans balance					342,701
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment					40
Loans collectively evaluated for impairment					6,953
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment					3,903
Loans collectively evaluated for impairment					335,660
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			(53)
Total ending allowance balance					(53)
Farmland [Member]
Balance	89		0
Provision for expected credit losses	1		(3)
Charge-offs	0		0
Recoveries	0		0
Balance	90		90
Total ending allowance balance	90		90		0
Total ending loans balance	39,050		39,050
Farmland [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			93
Total ending allowance balance					93
Land Development [Member]
Balance	246		0
Provision for expected credit losses	(78)		(230)
Charge-offs	0		0
Recoveries	0		0
Balance	168		168
Total ending allowance balance	168		168		0
Total ending loans balance	12,095		12,095
Land Development [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			398
Total ending allowance balance					398
Residential Portfolio Segment [Member]
Balance	1,696	1,677	1,571	1,645
Provision for expected credit losses	276	70	233	106
Charge-offs	0	0	0	(6)
Recoveries	1	0	3	2
Balance	1,973	1,747	1,973	1,747
Individually evaluated for impairment					0
Total ending allowance balance	1,973	1,747	1,973	1,747	1,571
Loans individually evaluated for impairment					3
Total ending loans balance	192,943		192,943		190,839
Residential Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment					74
Loans collectively evaluated for impairment					23,038
Residential Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment					1,497
Loans collectively evaluated for impairment					167,798
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			166
Total ending allowance balance					166
Consumer Portfolio Segment [Member]
Balance	870	908	902	628
Provision for expected credit losses	75	61	296	458
Charge-offs	(138)	(56)	(381)	(247)
Recoveries	46	44	133	118
Balance	853	957	853	957
Individually evaluated for impairment					0
Total ending allowance balance	853	957	853	957	902
Loans individually evaluated for impairment					0
Total ending loans balance	72,359		72,359		65,594
Consumer Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment					0
Loans collectively evaluated for impairment					1,230
Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment					902
Loans collectively evaluated for impairment					64,364
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			(97)
Total ending allowance balance					(97)
Commercial Portfolio Segment [Member]
Balance		1,006	1,308	960
Provision for expected credit losses		132		178
Charge-offs		0	0	0
Recoveries		0		0
Balance		1,138		1,138
Individually evaluated for impairment					0
Total ending allowance balance		$ 1,138		$ 1,138	1,308
Loans individually evaluated for impairment					314
Total ending loans balance	$ 115,446		$ 115,446		112,826
Commercial Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment					0
Loans collectively evaluated for impairment					622
Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment					1,308
Loans collectively evaluated for impairment					$ 111,890

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Credit Losses - Non-accrual Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Jun. 30, 2023
Nonaccrual, No Allowance	$ 1,025
Nonaccrual	1,025	$ 54
Nonaccrual, Interest Income	0
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Nonaccrual		51
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Nonaccrual, No Allowance	429
Nonaccrual	429
Nonaccrual, Interest Income	0
Residential Portfolio Segment [Member]
Nonaccrual, No Allowance	264
Nonaccrual	264
Nonaccrual, Interest Income	0
Residential Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Nonaccrual		$ 3
Commercial & Industrial [Member]
Nonaccrual, No Allowance	332
Nonaccrual	332
Nonaccrual, Interest Income	$ 0

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Credit Losses - Loans Past Due (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Recorded investment	$ 742,584	$ 711,960
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	66	50
Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	1,383	455
Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	244	244
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	900	104
Financial Asset, Past Due [Member]
Recorded investment	2,527	803
Financial Asset, Not Past Due [Member]
Recorded investment	740,057	711,157
Commercial Portfolio Segment [Member]
Recorded investment	115,446	112,826
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	6	0
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	54	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	332	0
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	392	0
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	115,054	112,826
Commercial Real Estate Portfolio Segment [Member]
Recorded investment		342,701
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Recorded investment	159,461	158,437
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment		23,996
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Recorded investment	151,230	23,888
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment		318,705
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	0	17
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment		0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	0	124
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Non-owner Occupied 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
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	429	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
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0	3
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		51
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	429	141
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0	3
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment		51
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	159,032	158,296
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Construction Loans [Member]
Recorded investment		23,996
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	151,230	23,885
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment		318,654
Farmland [Member]
Recorded investment	39,050
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Farmland [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	0
Farmland [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0
Farmland [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0
Farmland [Member] | Financial Asset, Past Due [Member]
Recorded investment	0
Farmland [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	39,050
Land Development [Member]
Recorded investment	12,095
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Land Development [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	0
Land Development [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0
Land Development [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0
Land Development [Member] | Financial Asset, Past Due [Member]
Recorded investment	0
Land Development [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	12,095
Residential Portfolio Segment [Member]
Recorded investment	192,943	190,839
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Residential Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment		8,514
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	793
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	22
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	73
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	888
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Construction Loans [Member]
Recorded investment		0
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	192,055
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Construction Loans [Member]
Recorded investment		8,514
Consumer Portfolio Segment [Member]
Recorded investment	72,359	65,594
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	66	50
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	584	438
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	168	120
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	66	50
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	818	608
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	$ 71,541	$ 64,986

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Credit Losses - Recorded Investment by Risk Category (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Jun. 30, 2023
Total loan	$ 742,584		$ 742,584		$ 711,960
Allowance for Credit Loss, Writeoff	138	$ 56	381	$ 253
Financing Receivable, Net	734,673		734,673		702,638
Pass [Member]
Financing Receivable, Net					474,662
Special Mention [Member]
Financing Receivable, Net					8,321
Substandard [Member]
Financing Receivable, Net					1,163
Doubtful [Member]
Financing Receivable, Net					54
Not Rated [Member]
Financing Receivable, Net					227,760
Commercial Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	27,006		27,006
Year Two, Originated, Fiscal Year before Current Fiscal Year	25,565		25,565
Year Three, Originated, Two Years before Current Fiscal Year	30,668		30,668
Year Four, Originated, Three Years before Current Fiscal Year	7,952		7,952
Year Five, Originated, Four Years before Current Fiscal Year	3,817		3,817
Originated, More than Five Years before Current Fiscal Year	4,593		4,593
Revolving	15,545		15,545
Revolving, Converted to Term Loan	300		300
Total loan	115,446		115,446		112,826
Year One, Originated, Current Fiscal Year, Writeoff			0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff		0	0	0
Commercial Portfolio Segment [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	27,006		27,006
Year Two, Originated, Fiscal Year before Current Fiscal Year	25,565		25,565
Year Three, Originated, Two Years before Current Fiscal Year	30,303		30,303
Year Four, Originated, Three Years before Current Fiscal Year	7,883		7,883
Year Five, Originated, Four Years before Current Fiscal Year	3,805		3,805
Originated, More than Five Years before Current Fiscal Year	4,550		4,550
Revolving	14,280		14,280
Revolving, Converted to Term Loan	0		0
Total loan	113,392		113,392
Financing Receivable, Net					110,928
Commercial Portfolio Segment [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	365		365
Year Four, Originated, Three Years before Current Fiscal Year	69		69
Year Five, Originated, Four Years before Current Fiscal Year	12		12
Originated, More than Five Years before Current Fiscal Year	43		43
Revolving	1,182		1,182
Revolving, Converted to Term Loan	0		0
Total loan	1,671		1,671
Financing Receivable, Net					1,174
Commercial Portfolio Segment [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	300		300
Total loan	300		300
Financing Receivable, Net					573
Commercial Portfolio Segment [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	83		83
Revolving, Converted to Term Loan	0		0
Total loan	83		83
Financing Receivable, Net					0
Commercial Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Net					151
Residential Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	13,403		13,403
Year Two, Originated, Fiscal Year before Current Fiscal Year	22,831		22,831
Year Three, Originated, Two Years before Current Fiscal Year	30,883		30,883
Year Four, Originated, Three Years before Current Fiscal Year	51,646		51,646
Year Five, Originated, Four Years before Current Fiscal Year	19,600		19,600
Originated, More than Five Years before Current Fiscal Year	30,024		30,024
Revolving	24,556		24,556
Revolving, Converted to Term Loan	0		0
Total loan	192,943		192,943		190,839
Year One, Originated, Current Fiscal Year, Writeoff			0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff	0	0	0	6
Residential Portfolio Segment [Member] | Construction Loans [Member]
Total loan					8,514
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	13,403		13,403
Year Two, Originated, Fiscal Year before Current Fiscal Year	22,831		22,831
Year Three, Originated, Two Years before Current Fiscal Year	30,691		30,691
Year Four, Originated, Three Years before Current Fiscal Year	51,646		51,646
Year Five, Originated, Four Years before Current Fiscal Year	19,600		19,600
Originated, More than Five Years before Current Fiscal Year	29,952		29,952
Revolving	24,556		24,556
Revolving, Converted to Term Loan	0		0
Total loan	192,679		192,679
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	192		192
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	72		72
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	264		264
Residential Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Financing Receivable, Net					3,227
Residential Portfolio Segment [Member] | Pass [Member] | Owner Occupied Loans [Member]
Financing Receivable, Net					2,013
Residential Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, Net					23,474
Residential Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Residential Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Loans [Member]
Financing Receivable, Net					0
Residential Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, Net					50
Residential Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Residential Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Loans [Member]
Financing Receivable, Net					17
Residential Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, Net					105
Residential Portfolio Segment [Member] | Doubtful [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Residential Portfolio Segment [Member] | Doubtful [Member] | Owner Occupied Loans [Member]
Financing Receivable, Net					0
Residential Portfolio Segment [Member] | Doubtful [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, Net					3
Residential Portfolio Segment [Member] | Not Rated [Member] | Construction Loans [Member]
Financing Receivable, Net					5,287
Residential Portfolio Segment [Member] | Not Rated [Member] | Owner Occupied Loans [Member]
Financing Receivable, Net					156,407
Residential Portfolio Segment [Member] | Not Rated [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, Net					256
Commercial Real Estate Portfolio Segment [Member]
Total loan					342,701
Allowance for Credit Loss, Writeoff	0	0	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Total loan					23,996
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Total loan					318,705
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	14,605		14,605
Year Two, Originated, Fiscal Year before Current Fiscal Year	20,372		20,372
Year Three, Originated, Two Years before Current Fiscal Year	34,929		34,929
Year Four, Originated, Three Years before Current Fiscal Year	22,686		22,686
Year Five, Originated, Four Years before Current Fiscal Year	15,600		15,600
Originated, More than Five Years before Current Fiscal Year	44,112		44,112
Revolving	7,157		7,157
Revolving, Converted to Term Loan	0		0
Total loan	159,461		159,461		158,437
Year One, Originated, Current Fiscal Year, Writeoff			0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff			0
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	14,101		14,101
Year Two, Originated, Fiscal Year before Current Fiscal Year	38,508		38,508
Year Three, Originated, Two Years before Current Fiscal Year	22,535		22,535
Year Four, Originated, Three Years before Current Fiscal Year	28,536		28,536
Year Five, Originated, Four Years before Current Fiscal Year	11,717		11,717
Originated, More than Five Years before Current Fiscal Year	35,148		35,148
Revolving	685		685
Revolving, Converted to Term Loan	0		0
Total loan	151,230		151,230		23,888
Year One, Originated, Current Fiscal Year, Writeoff			0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff			0
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Financing Receivable, Net					23,996
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net					310,427
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	14,605		14,605
Year Two, Originated, Fiscal Year before Current Fiscal Year	20,372		20,372
Year Three, Originated, Two Years before Current Fiscal Year	34,929		34,929
Year Four, Originated, Three Years before Current Fiscal Year	22,648		22,648
Year Five, Originated, Four Years before Current Fiscal Year	15,268		15,268
Originated, More than Five Years before Current Fiscal Year	41,645		41,645
Revolving	7,005		7,005
Revolving, Converted to Term Loan	0		0
Total loan	156,472		156,472
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	14,101		14,101
Year Two, Originated, Fiscal Year before Current Fiscal Year	38,508		38,508
Year Three, Originated, Two Years before Current Fiscal Year	22,535		22,535
Year Four, Originated, Three Years before Current Fiscal Year	25,135		25,135
Year Five, Originated, Four Years before Current Fiscal Year	11,717		11,717
Originated, More than Five Years before Current Fiscal Year	35,148		35,148
Revolving	685		685
Revolving, Converted to Term Loan	0		0
Total loan	147,829		147,829
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net					7,097
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	332		332
Originated, More than Five Years before Current Fiscal Year	2,156		2,156
Revolving	152		152
Revolving, Converted to Term Loan	0		0
Total loan	2,640		2,640
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	3,401		3,401
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	3,401		3,401
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net					468
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	260		260
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	260		260
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net					51
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	38		38
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	51		51
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	89		89
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member] | Construction Loans [Member]
Financing Receivable, Net					0
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, Net					662
Consumer Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	24,104		24,104
Year Two, Originated, Fiscal Year before Current Fiscal Year	27,875		27,875
Year Three, Originated, Two Years before Current Fiscal Year	14,115		14,115
Year Four, Originated, Three Years before Current Fiscal Year	4,951		4,951
Year Five, Originated, Four Years before Current Fiscal Year	766		766
Originated, More than Five Years before Current Fiscal Year	355		355
Revolving	193		193
Revolving, Converted to Term Loan	0		0
Total loan	72,359		72,359		65,594
Year One, Originated, Current Fiscal Year, Writeoff			31
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			115
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			144
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			54
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			36
Originated, More than Five Years before Current Fiscal Year, Writeoff			1
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff	138	$ 56	381	$ 247
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	24,104		24,104
Year Two, Originated, Fiscal Year before Current Fiscal Year	27,871		27,871
Year Three, Originated, Two Years before Current Fiscal Year	14,053		14,053
Year Four, Originated, Three Years before Current Fiscal Year	4,951		4,951
Year Five, Originated, Four Years before Current Fiscal Year	766		766
Originated, More than Five Years before Current Fiscal Year	355		355
Revolving	193		193
Revolving, Converted to Term Loan	0		0
Total loan	72,293		72,293
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	4		4
Year Three, Originated, Two Years before Current Fiscal Year	62		62
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	66		66
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Net					597
Consumer Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Net					0
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Net					0
Consumer Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Net					0
Consumer Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, Net					$ 64,997
Residential Rea Estate and Consumer Segments [Member]
Year One, Originated, Current Fiscal Year	37,507		37,507
Year Two, Originated, Fiscal Year before Current Fiscal Year	50,706		50,706
Year Three, Originated, Two Years before Current Fiscal Year	44,998		44,998
Year Four, Originated, Three Years before Current Fiscal Year	56,597		56,597
Year Five, Originated, Four Years before Current Fiscal Year	20,366		20,366
Originated, More than Five Years before Current Fiscal Year	30,379		30,379
Revolving	24,749		24,749
Revolving, Converted to Term Loan	0		0
Total loan	265,302		265,302
Residential Rea Estate and Consumer Segments [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	37,507		37,507
Year Two, Originated, Fiscal Year before Current Fiscal Year	50,702		50,702
Year Three, Originated, Two Years before Current Fiscal Year	44,744		44,744
Year Four, Originated, Three Years before Current Fiscal Year	56,597		56,597
Year Five, Originated, Four Years before Current Fiscal Year	20,366		20,366
Originated, More than Five Years before Current Fiscal Year	30,307		30,307
Revolving	24,749		24,749
Revolving, Converted to Term Loan	0		0
Total loan	264,972		264,972
Residential Rea Estate and Consumer Segments [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	4		4
Year Three, Originated, Two Years before Current Fiscal Year	254		254
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	72		72
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	330		330
Farmland [Member]
Year One, Originated, Current Fiscal Year	1,349		1,349
Year Two, Originated, Fiscal Year before Current Fiscal Year	5,876		5,876
Year Three, Originated, Two Years before Current Fiscal Year	5,910		5,910
Year Four, Originated, Three Years before Current Fiscal Year	5,356		5,356
Year Five, Originated, Four Years before Current Fiscal Year	2,321		2,321
Originated, More than Five Years before Current Fiscal Year	17,261		17,261
Revolving	977		977
Revolving, Converted to Term Loan	0		0
Total loan	39,050		39,050
Year One, Originated, Current Fiscal Year, Writeoff			0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff	0		0
Farmland [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	1,349		1,349
Year Two, Originated, Fiscal Year before Current Fiscal Year	5,876		5,876
Year Three, Originated, Two Years before Current Fiscal Year	5,910		5,910
Year Four, Originated, Three Years before Current Fiscal Year	5,356		5,356
Year Five, Originated, Four Years before Current Fiscal Year	2,321		2,321
Originated, More than Five Years before Current Fiscal Year	16,469		16,469
Revolving	977		977
Revolving, Converted to Term Loan	0		0
Total loan	38,258		38,258
Farmland [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	792		792
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	792		792
Farmland [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Farmland [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Land Development [Member]
Year One, Originated, Current Fiscal Year	3,384		3,384
Year Two, Originated, Fiscal Year before Current Fiscal Year	2,015		2,015
Year Three, Originated, Two Years before Current Fiscal Year	358		358
Year Four, Originated, Three Years before Current Fiscal Year	520		520
Year Five, Originated, Four Years before Current Fiscal Year	294		294
Originated, More than Five Years before Current Fiscal Year	526		526
Revolving	4,998		4,998
Revolving, Converted to Term Loan	0		0
Total loan	12,095		12,095
Year One, Originated, Current Fiscal Year, Writeoff			0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Revolving, Writeoff			0
Revolving, Converted to Term Loan, Writeoff			0
Allowance for Credit Loss, Writeoff	0		0
Land Development [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	3,384		3,384
Year Two, Originated, Fiscal Year before Current Fiscal Year	2,015		2,015
Year Three, Originated, Two Years before Current Fiscal Year	358		358
Year Four, Originated, Three Years before Current Fiscal Year	520		520
Year Five, Originated, Four Years before Current Fiscal Year	294		294
Originated, More than Five Years before Current Fiscal Year	526		526
Revolving	4,998		4,998
Revolving, Converted to Term Loan	0		0
Total loan	12,095		12,095
Land Development [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Land Development [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Land Development [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Total loan	0		0
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member]
Year One, Originated, Current Fiscal Year	60,445		60,445
Year Two, Originated, Fiscal Year before Current Fiscal Year	92,336		92,336
Year Three, Originated, Two Years before Current Fiscal Year	94,400		94,400
Year Four, Originated, Three Years before Current Fiscal Year	65,050		65,050
Year Five, Originated, Four Years before Current Fiscal Year	33,749		33,749
Originated, More than Five Years before Current Fiscal Year	101,640		101,640
Revolving	29,362		29,362
Revolving, Converted to Term Loan	300		300
Total loan	477,282		477,282
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	60,445		60,445
Year Two, Originated, Fiscal Year before Current Fiscal Year	92,336		92,336
Year Three, Originated, Two Years before Current Fiscal Year	94,035		94,035
Year Four, Originated, Three Years before Current Fiscal Year	61,542		61,542
Year Five, Originated, Four Years before Current Fiscal Year	33,405		33,405
Originated, More than Five Years before Current Fiscal Year	98,338		98,338
Revolving	27,945		27,945
Revolving, Converted to Term Loan	0		0
Total loan	468,046		468,046
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	365		365
Year Four, Originated, Three Years before Current Fiscal Year	3,470		3,470
Year Five, Originated, Four Years before Current Fiscal Year	344		344
Originated, More than Five Years before Current Fiscal Year	2,991		2,991
Revolving	1,334		1,334
Revolving, Converted to Term Loan	0		0
Total loan	8,504		8,504
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	260		260
Revolving	0		0
Revolving, Converted to Term Loan	300		300
Total loan	560		560
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	38		38
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	51		51
Revolving	83		83
Revolving, Converted to Term Loan	0		0
Total loan	$ 172		$ 172

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Credit Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Mar. 31, 2023	Mar. 31, 2023	Jun. 30, 2023
Impaired Financing Receivable, Interest Income, Cash Basis Method	$ 10	$ 10	$ 558
Impaired Financing Receivable, Recorded Investment			405
Impaired Financing Receivable, Related Allowance			0
Impaired Financing Receivable, Average Recorded Investment	399	405
Impaired Financing Receivable, Interest Income, Accrual Method	10	34
Impaired Financing Receivable, Interest Income, Cash Basis Method		34
Commercial Portfolio Segment [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			404
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			314
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	315	303
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	9	27
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	9	27
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			404
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			314
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	315	303
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	9	27
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	9	27
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			127
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			88
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	39	40
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1	5
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	1	5
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			127
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			88
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	39	40
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1	5
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	1	5
Residential Portfolio Segment [Member] | Owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			24
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	18	20
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	2
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	2
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			24
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	18	20
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	2
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	2
Residential Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			3
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			3
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	27	42
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	0
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance			3
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			$ 3
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	27	42
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	$ 0	$ 0

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Credit Losses - Average Recorded Investment and Interest Income (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Mar. 31, 2023	Mar. 31, 2023	Jun. 30, 2023
Impaired Financing Receivable, Average Recorded Investment	$ 399	$ 405
Impaired Financing Receivable, Interest Income, Accrual Method	10	34
Impaired Financing Receivable, Interest Income, Cash Basis Method	10	10	$ 558
Commercial Portfolio Segment [Member]
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	315	303
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	9	27
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	9	27
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	39	40
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1	5
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	1	5
Residential Portfolio Segment [Member] | Owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	18	20
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	2
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	2
Residential Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	27	42
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	$ 0	$ 0

Note 4 - Fair Value (Details Te

Note 4 - Fair Value (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Other Real Estate	$ 124	$ 124
Repossessed Assets	51
Fair Value, Nonrecurring [Member]
Assets, Fair Value Disclosure	$ 0	$ 0

Note 4 - Fair Value - Assets an

Note 4 - Fair Value - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Securities, available-for-sale	$ 265,646	$ 279,605
Equity securities	386	386
US Treasury Securities [Member]
Securities, available-for-sale	6,192	8,408
US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	24,884	25,692
US States and Political Subdivisions Debt Securities [Member]
Securities, available-for-sale	78,947	83,972
Residential Mortgage-Backed Securities [Member]
Securities, available-for-sale	82,149	89,635
Commercial Mortgage-Backed Securities [Member]
Securities, available-for-sale	6,846	6,795
Other Debt Obligations [Member]
Securities, available-for-sale	14,591	15,033
Fair Value, Recurring [Member]
Equity securities	386	386
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	386
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	6,192	8,408
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	6,192	8,408
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	0	0
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	24,884	25,692
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	24,884	25,692
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	78,947	83,972
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	78,947	83,972
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	82,149	89,635
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	82,149	89,635
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	6,846	6,795
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	6,846	6,795
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 Security, Issued by US Government-Sponsored Enterprise [Member]
Securities, available-for-sale	52,037	50,070
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member] | Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	52,037	50,070
Fair Value, Recurring [Member] | Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [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	14,591	15,033
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	14,591	15,033
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	$ 0	$ 0

Note 4 - Fair Value - Estimated

Note 4 - Fair Value - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2023
Held-to-maturity, fair value	$ 5,841	$ 6,294
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and cash equivalents	26,849	11,755
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	26,849	11,755
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Certificates of deposit in other financial institutions	748	2,501
Loans held for sale	45	764
Accrued interest receivable	3,459	3,024
Short-term borrowings	28,965	26,367
Federal Home Loan Bank advances	8,122	8,776
Accrued interest payable	906	344
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Demand and Savings Deposits [Member]
Demand and savings deposits	716,925	738,190
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Time Deposits [Member]
Demand and savings deposits	258,205	214,343
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Certificates of deposit in other financial institutions	748	2,450
Loans held for sale	45	774
Accrued interest receivable	3,459	3,024
Short-term borrowings	28,965	26,367
Federal Home Loan Bank advances	7,071	7,678
Accrued interest payable	906	344
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Demand and Savings Deposits [Member]
Demand and savings deposits	716,925	738,190
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Time Deposits [Member]
Demand and savings deposits	257,197	211,856
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Held-to-maturity, fair value	6,428	6,970
Loans, net	734,673	702,638
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Held-to-maturity, fair value	5,841	6,294
Loans, net	$ 693,747	$ 656,737

Note 5 - Affordable Housing T_3

Note 5 - Affordable Housing Tax Credit Partnership - Schedule of Investments In Affordable Housing Projects (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Jun. 30, 2023
Affordable housing tax credit investment	$ 10,250		$ 10,250		$ 10,250
Less: amortization	(231)	$ 0	(233)	$ 0	0
Net affordable housing tax credit investment	10,017		10,017		10,250
Unfunded commitments	8,279		8,279		9,668
Tax credits and other tax benefits recognized	249	0	272	0
Proportional amortization expense included in provision for income taxes	$ 231	$ 0	$ 233	$ 0	$ 0

Note 6 - Earnings Per Share (De

Note 6 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	15,489	5,328	15,489	5,328

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, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Net income available to common shareholders	$ 2,052	$ 2,636	$ 6,477	$ 7,980
Weighted average common shares outstanding (in shares)	3,115,723	3,078,595	3,104,994	3,072,336
Basic income per share (in dollars per share)	$ 0.66	$ 0.86	$ 2.09	$ 2.6
Dilutive effect of restricted stock (in shares)	0	1,218	0	0
Total common shares and dilutive potential common shares (in shares)	3,115,723	3,079,813	3,104,994	3,072,336
Dilutive income per share (in dollars per share)	$ 0.66	$ 0.86	$ 2.09	$ 2.6

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, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Accumulated other comprehensive income (loss), before tax	$ (32,042)	$ (38,678)	$ (37,925)	$ (27,982)
Accumulated other comprehensive income (loss), tax	6,729	8,122	7,964	5,876
Accumulated other comprehensive income (loss), net	(25,313)	(30,556)	(29,961)	(22,106)
Unrealized holding losses on available-for-sale securities arising during the period, before tax	(3,772)	4,670	2,032	(6,041)
Unrealized holding losses on available-for-sale securities arising during the period, tax	792	(981)	(426)	1,269
Unrealized holding losses on available-for-sale securities arising during the period, net	(2,980)	3,689	1,606	(4,772)
Amounts reclassified from accumulated other comprehensive income, before tax	1	2	80	17
Amounts reclassified from accumulated other comprehensive income, tax	0	0	(17)	(4)
Amounts reclassified from accumulated other comprehensive income, net	1	2	63	13
Net current period other comprehensive loss, before tax	(3,771)	4,672	2,112	(6,024)
Net current period other comprehensive loss, tax	792	(981)	(443)	1,265
Other comprehensive income	(2,979)	3,691	1,669	(4,759)
Accumulated other comprehensive income (loss), before tax	(35,813)	(34,006)	(35,813)	(34,006)
Accumulated other comprehensive income (loss), tax	7,521	7,141	7,521	7,141
Accumulated other comprehensive income (loss), net	$ (28,292)	$ (26,865)	$ (28,292)	$ (26,865)