Consumers Bancorp (CBKM) 10-K 6 Sep 24 2024 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Jun. 30, 2024	Sep. 06, 2024	Dec. 31, 2023
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	033-79130
Entity Registrant Name	CONSUMERS BANCORP, INC.
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	34-1771400
Entity Address, Address Line One	614 East Lincoln Way
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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	false
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 46,964,879
Entity Common Stock, Shares Outstanding (in shares)		3,123,588
Auditor Name	Plante & Moran, PLLC
Auditor Location	Cleveland, OH
Auditor Firm ID	166
Entity Central Index Key	0001006830
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
ASSETS:
Cash on hand and noninterest-bearing deposits in financial institutions	$ 17,709	$ 11,734
Federal funds sold and interest-bearing deposits in financial institutions	14	21
Total cash and cash equivalents	17,723	11,755
Certificates of deposit in financial institutions	0	2,501
Securities, available-for-sale	264,802	279,605
Securities, held-to-maturity (fair value in 2024 of $5,530 and 2023 of $6,294)	6,054	6,970
Equity securities, at fair value	381	386
Federal bank and other restricted stocks, at cost	2,186	2,168
Loans held for sale	908	764
Total loans	759,114	710,362
Less allowance for credit losses	(7,930)	(7,724)
Net loans	751,184	702,638
Cash surrender value of life insurance	10,500	10,222
Premises and equipment, net	16,927	17,182
Goodwill	2,452	2,452
Core deposit intangible, net	357	414
Accrued interest receivable and other assets	23,615	22,967
Total assets	1,097,089	1,060,024
Deposits:
Noninterest-bearing demand	225,087	250,906
Interest bearing demand	142,261	152,053
Savings	351,305	335,231
Time	254,327	214,343
Total deposits	972,980	952,533
Short-term borrowings	30,007	26,367
Federal Home Loan Bank advances	13,709	8,776
Accrued interest payable and other liabilities	16,708	16,864
Total liabilities	1,033,404	1,004,540
Equity, Attributable to Parent [Abstract]
Preferred stock, no par value; 350,000 shares authorized	0	0
Common shares, no par value; 8,500,000 shares authorized; 3,172,227 and 3,144,739 shares issued as of June 30, 2024 and June 30, 2023, respectively	21,178	20,769
Retained earnings	71,534	65,485
Treasury stock, at cost (48,639 common shares at June 30, 2024 and 2023)	(695)	(809)
Accumulated other comprehensive loss	(28,332)	(29,961)
Total shareholders’ equity	63,685	55,484
Total liabilities and shareholders’ equity	$ 1,097,089	$ 1,060,024

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Debt Securities, Held-to-Maturity, Fair Value	$ 5,530	$ 6,294
Preferred Stock, No Par Value (in dollars per share)	$ 0	$ 0
Preferred Stock, Shares Authorized (in shares)	350,000	350,000
Common Stock, No 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)	3,172,227	3,144,739
Treasury Stock, Common, Shares (in shares)	48,639	48,639

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income:
Loans, including fees	$ 40,903	$ 32,754
Securities, taxable	5,985	5,338
Securities, tax-exempt	1,813	2,258
Equity securities	33	33
Federal bank and other restricted stocks	184	149
Federal funds sold and interest-bearing deposits	300	407
Total interest and dividend income	49,218	40,939
Interest expense:
Deposits	16,212	6,660
Short-term borrowings	702	397
Federal Home Loan Bank advances	312	167
Total interest expense	17,226	7,224
Net interest income	31,992	33,715
Provision for credit losses on loans	556	855
Provision for credit losses on unfunded commitments	63	0
Net interest income after provision for credit losses	31,373	32,860
Other income:
Noninterest income (in scope of Topic 606)	4,383	4,139
Bank owned life insurance income	278	263
Mortgage banking activity	347	345
Securities (losses) gains, net	(80)	14
Net change in market value of equity securities	(5)	(14)
Loss on disposition of other real estate owned and repossessed assets owned	(27)	0
Other	387	360
Total other income	4,896	4,747
Salaries and employee benefits	14,416	14,020
Occupancy and equipment	3,436	3,186
Data processing expenses	806	775
Debit card processing expenses	1,234	1,124
Professional and director fees	1,033	1,065
Federal Deposit Insurance Corporation assessments	801	608
Financial institutions tax	433	478
Marketing and advertising	731	740
Loan and collection expenses	212	211
Telephone and communications	357	362
Amortization of intangible	57	56
Other	2,328	2,060
Total other expenses	25,844	24,685
Income before income taxes	10,425	12,922
Income tax expense	1,845	2,248
Net income	$ 8,580	$ 10,674
Basic and diluted earnings per share (in dollars per share)	$ 2.76	$ 3.45
Deposit Account [Member]
Other income:
Noninterest income (in scope of Topic 606)	$ 1,684	$ 1,598
Debit Card [Member]
Other income:
Noninterest income (in scope of Topic 606)	$ 2,312	$ 2,181

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023
Net income		$ 8,580	$ 10,674
Other comprehensive income (loss), net of tax:
Unrealized gains (losses) arising during the period		1,981	(9,929)
Reclassification adjustment for losses (gains) included in income	[1],[2]	80	(14)
Net unrealized gain (loss)		2,061	(9,943)
Income tax effect		(432)	2,088
Other comprehensive income (loss)		1,629	(7,855)
Total comprehensive income		$ 10,209	$ 2,819
[1]Income tax expense[2]Securities gain, net

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - 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	0	10,674	0	0	10,674
Other comprehensive loss	0	0	0	(7,855)	(7,855)
Shares issued associated with dividend reinvestment plan and stock purchase plan	238	0	0	0	238
Shares associated with vested stock awards	85	0	308	0	393
Restricted stock expense	159				159
Cash dividends declared	0	(2,095)	0	0	(2,095)
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	0	8,580	0	0	8,580
Other comprehensive loss	0	0	0	1,629	1,629
Shares issued associated with dividend reinvestment plan and stock purchase plan	264			0	264
Shares associated with vested stock awards	81	0	114	0	195
Restricted stock expense	62	0	0	0	62
Cash dividends declared	0	(2,246)	0	0	(2,246)
Issuance of 8,519 stock-based incentive plan shares, net of forfeitures	2	0	0	0	2
Balance at Jun. 30, 2024	$ 21,178	$ 71,534	$ (695)	$ (28,332)	$ 63,685

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Shares issued associated with dividend reinvestment plan and stock purchase plan, shares (in shares)	15,811	12,683
Shares Issued, Shares, Share-Based Payment Arrangement, before Forfeiture (in shares)	10,283	26,743
Common Stock, Dividends, Per Share, Declared (in dollars per share)	$ 0.72	$ 0.68
Shares Issued, Shares, Share-Based Payment Arrangement, before Forfeiture (in shares)	10,283	26,743
Shares Issued, Shares, Share-Based Payment Arrangement, after Forfeiture (in shares)	8,519
Stock Issued During Period, Shares, Dividend Reinvestment Plan (in shares)	15,811	12,683

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Cash flows from operating activities:
Net income	$ 8,580	$ 10,674
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation	1,095	1,051
Securities amortization and accretion, net	527	818
Provision for credit losses	619	855
Loss on disposition of other real estate and repossessed assets owned	27	0
Mortgage banking activity	(347)	(345)
Deferred income tax (benefit) expense	(242)	(96)
Loss (gain) on sale of securities	80	(14)
Net change in market value of equity securities	5	14
Amortization of intangibles	57	56
Origination of loans held for sale	(20,774)	(20,762)
Proceeds from loans held for sale	20,977	21,508
Increase in cash surrender value of life insurance	(278)	(263)
Net change in other assets and other liabilities	(950)	(180)
Net cash flows from operating activities	9,376	13,316
Cash flows from investing activities:
Purchases	13,624	31,799
Maturities, calls and principal pay downs	21,790	21,322
Proceeds from sales of available-for-sale securities	8,092	16,472
Securities held-to-maturity:	916	904
Net decrease in certificates of deposit with other financial institutions	2,501	1,280
Proceeds from redemption of FHLB stock	967	357
Purchases of FHLB stock	(985)	0
Net increase in loans	(49,268)	(98,945)
Acquisition of premises and equipment	(983)	(1,821)
Proceeds from sale of other real estate and repossessed assets owned	148	11
Net cash flows from investing activities	(30,446)	(92,219)
Proceeds from Federal Home Loan Bank advances	23,900	17,000
Net increase in deposit accounts	20,447	65,971
Change in short-term borrowings	3,640	5,072
Repayments of Federal Home Loan Bank advances	(18,967)	(16,480)
Proceeds from dividend reinvestment and stock purchase plan	264	238
Dividends paid	(2,246)	(2,095)
Net cash flows from financing activities	27,038	69,706
Increase (decrease) in cash and cash equivalents	5,968	(9,197)
Cash and cash equivalents, beginning of year	11,755	20,952
Cash and cash equivalents, end of year	17,723	11,755
Supplemental disclosure of cash flow information:	16,655	6,929
Federal income taxes	2,169	2,495
Non-cash items:
Transfer from loans to other repossessed assets	51	11
Transfer from loans to other real estate owned	0	124
Issuance of treasury stock for stock awards	$ 195	$ 393

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Jun. 30, 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 Principles of Consolidation: Nature of Operations: Business Segment Information: one Acquisition: Use of Estimates: Cash and Cash Equivalents: Interest Bearing Deposits in Other Financial Institutions: Certificates of Deposit in Financial Institutions: Cash Reserves: zero Securities: Interest income includes amortization of purchase premiums and accretion of discounts. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. The Company has made a policy election to exclude accrued interest income from the amortized cost basis of debt securities and report accrued interest separately in other assets in the Consolidated Balance Sheets. A debt security is placed on nonaccrual status at the time we no longer expect to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest for a security placed on nonaccrual is reversed against interest income. Accordingly, we do not recognize an allowance for credit loss against accrued interest receivable. Allowance for Credit Losses Held-to-Maturity (HTM) Debt Securities Allowance for Credit Losses Available-for-Sale (AFS) Debt Securities Prior to the adoption of ASC 326 and the current expected credit loss model on July 1, 2023, management evaluated securities for other-than-temporary impairment (OTTI). The evaluation of securities included consideration given to the length of time and the extent to which the fair value had been less than cost, the financial condition and near-term prospects of the issuer, whether the market decline was affected by macroeconomic conditions and whether the Company had the intent to sell the security or it was more likely than not it would be required to sell the security before recovery of its amortized cost basis. Equity Securities: Federal Bank and Other Restricted Stocks: Loans Held for Sale: Mortgage Banking Derivatives: Loans: Interest income on commercial and mortgage loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in the process of collection. Consumer loans are typically charged off no later than 120 days past due unless the loan is in the process of collection. Past due status is determined by the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received on loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when the customer has exhibited the ability to repay and demonstrated this ability over at least a consecutive six-month period and future payments are reasonably assured. Loan Commitments and Related Financial Instruments: Concentrations of Credit Risk: Adoption of ASC 326: Allowance for Credit Losses: The allowance balance is estimated using relevant available information, from internal and external sources, related to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience of our peer group provides the basis for the estimation of expected credit losses. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments. The allowance for credit losses consists of general and specific components. The general component includes loans with similar risk characteristics that are collectively evaluated for credit losses. The allowance for credit losses for the general portfolio segments is evaluated based upon periodic quantitative review of the collectability of the loans that correlates historical loss 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-year reasonable and supportable forecast period with a one-year straight-line reversion to the long-term historical average. Key inputs into the discounted cash flow model include loan-level detail, including the amortized cost basis of individual loans, payment structure, and forecasted loss drivers. Since the Company has had very limited loss experience, management elected to utilize benchmark peer loss history data to estimate historical loss rates. Management worked with a third-party advisory firm to identify an appropriate peer group for each loan segment that shares similar characteristics. The Company uses the central tendency seasonally adjusted civilian unemployment rate forecast from the FOMC for all portfolio segments. Other key assumptions include a maturity assumption for loans without maturity dates and prepayment / curtailment rates specific to each loan segment. Prepayment and curtailment rates are calculated based on the Company’s own data. The Company has identified six portfolio segments of loans including Commercial & Industrial, Commercial Real Estate, Farmland, Land Development, 1 – 4 Family Residential Real Estate, and Consumer loans. Each segment has a distinct set of risk characteristics that are monitored by management. Below are the risk characteristics of the loan segments. Commercial & Industrial: Commercial Real Estate: Commercial construction loans generally adjust with the prime rate during the construction period and may convert to amortizing loans with maturities up to 25 years. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction through completion. The property owner’s and/or guarantor’s financial strength, expertise, credit history, and the projected cash flow of the property are considered during underwriting of construction loans. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner-occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction compared to the estimated cost (including interest) of construction. If the estimate of value proves to be inaccurate, there may not be sufficient funds to complete the project, or a completed project with an insufficient value to assure full repayment. We attempt to reduce such risks on construction loans by including a contingency amount in the financing package, through inspections of construction progress on the property, by reviewing the owner’s financial strength, the success of the owners’ and / or contractor’s past projects, and by requiring personal guarantees of the owners. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s commercial real estate portfolio are diverse in terms of type and are primarily located in our immediate and surrounding market area. This diversity helps reduce the Company’s exposure to adverse economic events that may affect any single market or industry. The three largest collateral concentrations within the commercial real estate non-owner-occupied portfolio are retail rental, office rental, and nursing home/assisted living facilities. The office rental segment includes a high percentage of medical facilities that require special build outs that would make it more costly for a tenant to change locations. Also, personal guarantees are typically obtained on commercial real estate loans. Commercial real estate loans are originated primarily in the area in which the bank operates. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. Farmland Land Development 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 be confronted with a project, when completed, having a value which is insufficient to assure full repayment. We attempt to reduce such risks on development loans by including a contingency amount in the financing package, through inspections of construction progress on the property, by reviewing the developers financial strength and past projects, and requiring personal guarantees. 1-4 Family Residential Real Estate Consumer In some cases, management may determine that an individual loan exhibits unique risk characteristics which differentiate the loan from other loans within the loan segments. In such cases, the loans are evaluated for expected credit losses on an individual basis and excluded from the general component. Specific reserves in the allowance for credit losses are determined by analyzing the borrower's ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other things. A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. The fair value of collateral supporting collateral dependent loans is evaluated on a quarterly basis. Individually evaluated loans include the third-party residential mortgage warehouse line-of-credit, nonaccrual loans, modified loans to borrowers experiencing financial difficulty, and other loans deemed appropriate by management. Specific reserves on non-performing loans are typically based on management’s best estimate of the fair value of collateral securing these loans, adjusted for selling costs as appropriate. The Company qualitatively adjusts model results for risk factors that are not inherently captured in the general component but are nonetheless relevant in assessing the expected credit losses within the loan portfolio. These adjustments may increase or decrease the estimate of expected credit losses based upon the assessed level of risk for each qualitative factor. Management's adjustments to the quantitative evaluation may be for trends in delinquencies, trends in the volume of loans, changes in underwriting standards, changes in the value of underlying collateral, the existence and effect of portfolio concentration, regulatory environment, economic conditions, Company management and the status of portfolio administration including the Company’s loan review function. Allowance for Loan Losses: The allowance consisted of specific and general components. The specific component related to loans that were individually classified as impaired. The general component covered non-classified loans and was based on historical loss experience adjusted for current factors. A loan was considered impaired when it was probable that the Company would be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms had been modified, resulting in a concession, and for which the borrower was experiencing financial difficulties, were considered troubled debt restructurings, and classified as impaired. Factors considered by management in determining impairment included payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experienced insignificant payment delays and payment shortfalls generally were not classified as impaired. Management determined the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment was evaluated collectively for smaller-balance loans of similar nature such as residential mortgage, consumer loans and on an individual loan basis for other loans. If a loan was impaired, a portion of the allowance was allocated so the loan was reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment was expected from the collateral. Loans were evaluated for impairment when payments were delayed, typically 90 days or more, or when it was probable that not all principal and interest amounts would be collected according to the original terms of the loan. Troubled debt restructurings were separately identified for impairment disclosures and were measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception. If a troubled debt restructuring was considered a collateral dependent loan, the loan was reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently defaulted, the Company determined the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covered non-impaired loans and was based on historical loss experience adjusted for current factors based on the risks present for each portfolio segment. The historical loss experience was determined by portfolio segment and was based on the actual loss history experienced by the Company over the most recent three-year period, depending on loan segment. This actual loss experience was supplemented with economic and other factors based on the risks present for each portfolio segment. These factors included consideration of the following: levels of and trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability and depth of lending management and other relevant staff; volume and severity of past due loans and other similar conditions; quality of the loan review system; value of underlying collateral for collateral dependent loans; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. Allowance for Credit Losses - Off-Balance Sheet Credit Exposures: Low Income Housing Tax Credits (LIHTC) Other Real Estate and Repossessed Assets Owned: Transfers of Financial Assets: Premises and Equipment: three thirty-nine Cash Surrender Value of Life Insurance: Goodwill and Other Intangible Assets: Long-Term Assets: Repurchase Agreements: Retirement Plans: Income Taxes: Earnings per Common Share: Stock-Based Compensation: Comprehensive Income: Loss Contingencies: Fair Value of Financial Instruments: Dividend Restrictions: Reclassifications: Accounting Pronouncements Adopted in Fiscal Year 2024: This guidance became effective for the Company on July 1, 2023 and was adopted using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. The Company’s results for periods beginning after July 1, 2023 are presented under ASC 326 while results for prior periods are presented in accordance with previously applicable accounting standards. 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. In March 2022, FASB issued ASU 2022-02, Financial Instruments – Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures. The guidance amended ASC 326 to eliminate the accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructuring activities by creditors when a borrower is experiencing financial difficulty. Specifically, rather than applying TDR recognition and measurement guidance, creditors are required to determine whether a modification results in a new loan or continuation of the existing loan. The ASU requires enhanced disclosures related to certain modifications of receivables made to borrowers experiencing financial difficulty and requires that an entity disclose current-period gross write-offs by year of origination within the vintage disclosures. The Company adopted ASU 2022-02 on July 1, 2023. The adoption of this ASU did not have a material impact on the Company’s financial statements. Recently Issued Accounting Pronouncements Not Yet Effective

Note 3 - Securities

Note 3 - Securities	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 2 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 June 30, 2024 and June 30, 2023: Available-for-sale Amortized Gross Gross Fair June 30, 2024 Obligation of U.S Treasury $ 6,471 $ — $ (219 ) $ 6,252 Obligations of U.S. government-sponsored entities and agencies 28,019 4 (3,356 ) 24,667 Obligations of state and political subdivisions 85,917 46 (8,233 ) 77,730 U.S. Government-sponsored mortgage-backed securities - residential 94,303 — (14,936 ) 79,367 U.S. Government-sponsored mortgage-backed securities - commercial 8,584 — (1,752 ) 6,832 U.S. Government-sponsored collateralized mortgage obligations – residential 60,333 92 (5,757 ) 54,668 Other debt securities 17,039 — (1,753 ) 15,286 Total available-for-sale securities $ 300,666 $ 142 $ (36,006 ) $ 264,802 Held-to-maturity Amortized Gross Gross Losses Fair June 30, 2024 Obligations of state and political subdivisions $ 6,054 $ — $ (524 ) $ 5,530 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 available-for-sale securities $ 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 sales of available-for-sale securities during fiscal year 2024 and fiscal year 2023 were as follows: 2024 2023 Proceeds from sales $ 8,092 $ 16,472 Gross realized gains 14 87 Gross realized losses (94 ) (73 ) The income tax benefit related to the net realized losses amounted to $17 in fiscal year 2024 and the income tax provision related to the net realized gains amounted to $3 in fiscal year 2023. The amortized cost and fair values of debt securities at June 30, 2024 by expected maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date, primarily mortgage-backed securities and collateralized mortgage obligations, are shown separately. Available-for-sale Amortized Cost Fair Value Due in one year or less $ 10,882 $ 10,768 Due after one year through five years 27,808 26,073 Due after five years through ten years 47,465 42,536 Due after ten years 51,291 44,558 Total 137,446 123,935 U.S. Government-sponsored mortgage-backed and related securities 163,220 140,867 Total $ 300,666 $ 264,802 Held-to-maturity Amortized Cost Fair Value Due in one year or less $ 43 $ 42 Due after one year through five years 2,303 2,229 Due after five years through ten years 3,708 3,259 Total $ 6,054 $ 5,530 Securities with a carrying value of approximately $153,908 and $137,896 were pledged at June 30, 2024 and 2023, respectively, to secure public deposits and commitments as required or permitted by law. At June 30, 2024 and 2023, there were no holdings of securities of any one issuer, other than obligations of U.S. government-sponsored entities and agencies, with an aggregate book value greater than 10% of shareholders’ equity. The following table summarizes the securities with unrealized and unrecognized losses at June 30, 2024 and 2023, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position: Less than 12 Months 12 Months or more Total June 30, 2024 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-sale Obligations of U.S Treasury $ — $ — $ 6,252 $ (219 ) $ 6,252 $ (219 ) Obligations of U.S. government-sponsored entities and agencies 153 (4 ) 22,899 (3,352 ) 23,052 (3,356 ) Obligations of state and political subdivisions 8,110 (148 ) 63,612 (8,085 ) 71,722 (8,233 ) Mortgage-backed securities – residential 1,010 (3 ) 78,357 (14,933 ) 79,367 (14,936 ) Mortgage-backed securities – commercial — — 6,832 (1,752 ) 6,832 (1,752 ) Collateralized mortgage obligations - residential 10,363 (96 ) 36,049 (5,661 ) 46,412 (5,757 ) Other debt securities — — 15,286 (1,753 ) 15,286 (1,753 ) Total $ 19,636 $ (251 ) $ 229,287 $ (35,755 ) $ 248,923 $ (36,006 ) Less than 12 Months 12 Months or more Total June 30, 2024 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-maturity Obligations of state and political subdivisions $ — $ — $ 5,530 $ (524 ) $ 5,530 $ (524 ) Less than 12 Months 12 Months or more Total June 30, 2023 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-sale 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 $ 42,390 $ (1,076 ) $ 228,398 $ (36,939 ) $ 270,788 $ (38,015 ) Less than 12 Months 12 Months or more Total June 30, 2023 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-maturity Obligations of state and political subdivisions $ — $ — $ 6,294 $ (676 ) $ 6,294 $ (676 ) As of June 30, 2024, there were 410 available-for-sale securities, of which 385 were in an unrealized loss position. Also, there were four The Company’s mortgage-backed securities and collateralized mortgage obligations were issued by U.S. government-sponsored entities and agencies. The Company does not own any private label mortgage-backed securities. The Company’s municipal bond portfolio consists of tax-exempt and taxable general obligation and revenue bonds to a broad range of counties, towns, school districts, and other essential service providers. As of June 30, 2024, 98.2% of the municipal bonds held in the available-for-sale portfolio had a S&P or Moody’s investment grade rating, and 1.8% were non-rated issues. The municipal bonds in the held-to-maturity portfolio are all non-rated issues to local entities that are also deposit customers. The other debt securities consist of subordinated notes issued by other bank holding companies. The issuers of all securities owned by the Company continue to make timely principal and interest payments under the securities’ contractual terms. The unrealized losses related to these securities have not been recognized into income because the decline in fair value is not attributed to credit quality, management does not intend to sell the securities, and it is not likely that management will be required to sell the securities prior to their anticipated recovery. The unrealized losses on these securities are primarily due to increases in market interest rates over the yields available at the time the underlying securities were purchased and increased credit spreads. The securities’ fair value is expected to recover as the securities approach their maturity date or repricing date or if market yields for such investments decline. As of June 30, 2024, the Company owned equity securities with an amortized cost of $400. The following table presents the net unrealized gains and losses on equity securities recognized in earnings for the twelve months ended June 30, 2024 and 2023. There were no 2024 2023 Unrealized loss recognized on equity securities held at the end of the period $ (5 ) $ (14 ) Total unrealized losses recognized on equity securities still held at the reporting date (19 ) (14 )

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Credit Losses	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES Major classifications of loans were as follows as of June 30: 2024 2023 Commercial & Industrial $ 127,782 $ 112,558 Commercial real estate: Owner occupied 163,856 151,005 Non-owner occupied 146,827 140,002 Farmland 38,898 40,606 Land development 12,654 11,004 1-4 family residential real estate 196,098 189,312 Consumer 72,915 65,617 Subtotal 759,030 710,104 Unamortized deferred loan costs, net 84 258 Allowance for credit losses (7,930 ) (7,724 ) Net loans $ 751,184 $ 702,638 The following table presents the activity in the allowance for credit losses by portfolio segment for year ended June 30, 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 297 (240 ) (4 ) (224 ) 277 450 556 Charge-offs (6 ) — — — — (560 ) (566 ) Recoveries — — — — 4 160 164 ACL ending balance $ 1,144 $ 3,650 $ 89 $ 174 $ 2,018 $ 855 $ 7,930 Upon adoption of ASC 326, the Company updated its classifications of loans and its determination of credit losses. For the year ended June 30, 2023, Farmland and Land Development loans were included within Commercial Real Estate. For the year ended June 30, 2024, these loan classes have been separately presented. The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended June 30, 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 348 15 (72 ) 564 855 Loans charged-off — — (6 ) (441 ) (447 ) Recoveries — 1 4 151 156 Total ending allowance balance $ 1,308 $ 3,943 $ 1,571 $ 902 $ 7,724 The following table presents the amortized cost of non-accrual loans by class as of June 30, 2024: June 30, 2024 Interest Income Non-accrual Total Recognized during loans with Non-accrual the period on no ACL loans non-accrual loans Commercial & Industrial $ 51 $ 308 $ — Commercial real estate: Owner occupied 189 189 75 1 – 4 family residential real estate 262 277 7 Total $ 502 $ 774 $ 82 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 June 30, 2024 by class of loans: 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 $ — $ — $ 308 $ 308 $ 127,503 $ 127,811 $ — Commercial real estate: Owner occupied 311 — 189 500 163,043 163,543 — Non-owner occupied — — — — 146,529 146,529 — Farmland — — — — 38,799 38,799 — Land development — — — — 12,615 12,615 — 1 – 4 family residential real estate 294 — 158 452 196,691 197,143 68 Consumer 575 98 16 689 71,985 72,674 16 Total $ 1,180 $ 98 $ 671 $ 1,949 $ 757,165 $ 759,114 $ 84 The above table of past due loans includes the recorded investment in non-accrual loans of $187 in the loan not past due category and $587 in the 90 days or greater category. The following table presents the aging of the recorded investment in past due loans as of June 30, 2023 by class of loans: 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 The above table of past due loans includes the recorded investment in non-accrual loans of $54 in the 90 days or greater category. Also, included in the recorded investment in loans is $1,598 of accrued interest receivable. 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. The Company uses the following definitions for risk ratings: Pass. Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Not Rated. Based on the most recent analysis performed, the following tables present the amortized cost by internal risk category and class of commercial loans as of June 30, 2024: Revolving Revolving Loans Loans Term Loans by Origination Year Amortized Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total Commercial Pass $ 43,540 $ 24,263 $ 28,588 $ 7,370 $ 3,448 $ 3,954 $ 14,868 $ 93 $ 126,124 Special Mention 151 67 569 12 — 61 755 — 1,615 Substandard — — — 8 — — — — 8 Doubtful — — — — — — 64 — 64 Total Commercial & Industrial $ 43,691 $ 24,330 $ 29,157 $ 7,390 $ 3,448 $ 4,015 $ 15,687 $ 93 $ 127,811 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ 6 $ — $ — $ 6 Commercial real estate: Owner occupied: Pass $ 16,207 $ 20,615 $ 34,572 $ 21,405 $ 14,877 $ 41,035 $ 11,684 $ — $ 160,395 Special Mention — — — 650 320 1,708 151 — 2,829 Substandard — — — — — 254 — — 254 Doubtful — — — 14 — 51 — — 65 Total owner occupied $ 16,207 $ 20,615 $ 34,572 $ 22,069 $ 15,197 $ 43,048 $ 11,835 $ — $ 163,543 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-owner occupied: Pass $ 16,395 $ 37,241 $ 22,324 $ 23,564 $ 11,616 $ 34,570 $ 819 $ — $ 146,529 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total non-owner occupied $ 16,395 $ 37,241 $ 22,324 $ 23,564 $ 11,616 $ 34,570 $ 819 $ — $ 146,529 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Farmland: Pass $ 1,543 $ 5,854 $ 5,867 $ 5,309 $ 2,280 $ 16,591 $ 1,201 $ 143 $ 38,788 Special Mention — — — — — 11 — — 11 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Farmland $ 1,543 $ 5,854 $ 5,867 $ 5,309 $ 2,280 $ 16,602 $ 1,201 $ 143 $ 38,799 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Land Development: Pass $ 4,449 $ 2,005 $ 353 $ 512 $ 285 $ 504 $ 4,507 $ — $ 12,615 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Land Development $ 4,449 $ 2,005 $ 353 $ 512 $ 285 $ 504 $ 4,507 $ — $ 12,615 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total: Pass $ 82,134 $ 89,978 $ 91,704 $ 58,160 $ 32,506 $ 96,654 $ 33,079 $ 236 $ 484,451 Special Mention 151 67 569 662 320 1,780 906 — 4,455 Substandard — — — 8 — 254 — — 262 Doubtful — — — 14 — 51 64 — 129 Total $ 82,285 $ 90,045 $ 92,273 $ 58,844 $ 32,826 $ 98,739 $ 34,049 $ 236 $ 489,297 Management monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due 90 days or more and loans on nonaccrual are considered nonperforming. The following table presents the amortized cost of residential real estate and consumer loans based on payment status as of June 30, 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 $ 16,675 $ 23,451 $ 29,857 $ 54,816 $ 18,891 $ 28,792 $ 24,235 $ 81 $ 196,798 Nonperforming — — 277 — — 68 — — 345 Total 1-4 family residential real estate $ 16,675 $ 23,451 $ 30,134 $ 54,816 $ 18,891 $ 28,860 $ 24,235 $ 81 $ 197,143 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Performing $ 29,800 $ 25,179 $ 12,422 $ 4,241 $ 586 $ 236 $ 194 $ — $ 72,658 Nonperforming 8 — 8 — — — — — 16 Total consumer $ 29,808 $ 25,179 $ 12,430 $ 4,241 $ 586 $ 236 $ 194 $ — $ 72,674 Current year-to-date gross write-offs $ 63 $ 140 $ 265 $ 56 $ 35 $ 1 $ — $ — $ 560 Total: Performing $ 46,475 $ 48,630 $ 42,279 $ 59,057 $ 19,477 $ 29,028 $ 24,429 $ 81 $ 269,456 Nonperforming 8 — 285 — — 68 — — 361 Total $ 46,483 $ 48,630 $ 42,564 $ 59,057 $ 19,477 $ 29,096 $ 24,429 $ 81 $ 269,817 As of June 30, 2023 the recorded investment by risk category of loans by class of loans was as follows: Pass Special Mention Substandard Doubtful Not Rated Total Commercial $ 110,928 $ 1,174 $ 573 $ — $ 151 112,826 Commercial real estate: Construction 23,996 — — — — 23,996 Other 310,427 7,097 468 51 662 318,705 1-4 Family residential real estate: Owner occupied 2,013 — 17 — 156,407 158,437 Non-owner occupied 23,474 50 105 3 256 23,888 Construction 3,227 — — — 5,287 8,514 Consumer 597 — — — 64,997 65,594 Total $ 474,662 $ 8,321 $ 1,163 $ 54 $ 227,760 711,960 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 provide multiple types of concessions on one loan. If principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for credit losses. There were no modifications of loans to borrowers in financial distress completed during the twelve-month period ended June 30, 2024. As of June 30, 2023, under previous accounting guidance for troubled debt restructurings (TDRs), the Company had $351 of loans classified as TDRs. There were no specific reserves allocated to these loans and TDRs were also included as impaired loans. For the year ended June 30, 2023, there were no loans modified that were classified as a TDR and there were no loans classified as TDRs for which there was a payment default within 12 months following the modification. A loan was considered in payment default once it was 90 days contractually past due under the modified terms. Collateral Dependent Loans A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. The following table presents the amortized cost of collateral dependent loans and the related allowance for credit losses allocated to these loans: June 30, 2024: Real Estate Other ACL Commercial & Industrial $ — $ 257 $ 67 Commercial real estate: Owner occupied 189 — — Total loans $ 189 $ 257 $ 67 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. Included in the recorded investment in loans is $1,598 of accrued interest receivable. 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment — 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 loans individually evaluated for impairment by class of loans as of and for the year ended June 30, 2023: Unpaid Allowance for Average Interest Cash Basis Principal Recorded Loan Losses Recorded Income Interest Balance Investment Allocated Investment Recognized Recognized With no related allowance recorded: Commercial $ 404 $ 314 $ — $ 306 $ 37 $ 37 Commercial real estate: Other 127 88 — 52 6 6 1-4 Family residential real estate: Owner occupied 24 — — 38 2 2 Non-owner occupied 3 3 — 29 — — Total $ 558 $ 405 $ — $ 425 $ 45 $ 45

Note 4 - Premises and Equipment

Note 4 - Premises and Equipment	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	NOTE 4 PREMISES AND EQUIPMENT Major classifications of premises and equipment were as follows as of June 30: 2024 2023 Land $ 2,417 $ 2,417 Land improvements 472 414 Building and leasehold improvements 15,944 15,973 Furniture, fixture and equipment 8,411 7,600 Total premises and equipment 27,244 26,404 Accumulated depreciation and amortization (10,317 ) (9,222 ) Premises and equipment, net $ 16,927 $ 17,182 Depreciation expenses were $1,095 and $1,051 for the years ended June 30, 2024 and 2023, respectively. As of June 30, 2024, the Company leased real estate for seven office locations and various equipment under operating lease agreements. The lease agreements have maturity dates ranging from one year or less to May 31, 2035, including extension periods. Lease agreements for three locations have a lease term of 12 months or less and are therefore considered short-term leases. Most leases include one or more options to renew. The exercise of lease renewal options is typically at our sole discretion. The majority of renewals to extend the lease terms are included in our right-of-use assets and lease liabilities as they are reasonably certain of exercise. As most of our leases do not provide an implicit rate, we use the fully collateralized FHLB borrowing rate, commensurate with the lease terms based on the information available at the lease commencement date in determining the present value of the lease payments. The weighted average remaining life of the lease term for the leases with a term over 12 months was 7.25 years as of June 30, 2024 and the weighted-average discount rate was 1.94%. Rent expense for all the operating leases was $245 and $254 for the twelve-month periods ended June 30, 2024 and 2023, respectively. As of June 30, 2024, the right-of-use asset, included in premises and equipment other liabilities Total estimated rental commitments for the operating leases with a term over 12 months were as follows as of June 30, 2024: Period Ending June 30 2025 $ 163 2026 125 2027 115 2028 115 2029 88 Thereafter 255 Total undiscounted cash flows $ 861 Less: present value discount $ (52 ) Total lease liabilities $ 809

Note 5 - Goodwill and Acquired

Note 5 - Goodwill and Acquired Intangible Assets	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	NOTE 5 GOODWILL AND ACQUIRED INTANGIBLE ASSETS The balance of goodwill was $2,452 as of June 30, 2024 and 2023. The following table summarizes the Company’s acquired intangible assets as of June 30, 2024 and 2023. June 30, 2024 June 30, 2023 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Core deposit intangible $ 565 $ 208 $ 565 $ 151 Goodwill is not amortized but is evaluated for impairment on an annual basis or whenever events or changes in circumstances indicate the asset might be impaired. Impairment exists when a reporting unit’s carrying amount exceeds its fair value. For the goodwill impairment analysis, the Company is the only reporting unit. Management performed a quantitative impairment assessment at April 30, 2024. The assessment estimated fair value on an income approach that incorporated a discounted cash flow model that involved management assumptions based upon future growth and earnings projections. The results of the assessment indicated no The core deposit intangible asset is amortized on a straight-line basis over ten

Note 6 - Deposits

Note 6 - Deposits	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	NOTE 6 DEPOSITS Interest-bearing deposits as of June 30, 2024 and 2023 were as follows: 2024 2023 Demand $ 142,261 $ 152,053 Savings and money market 351,305 335,231 Time: $250 and over 59,233 46,822 Other 195,094 167,521 Total $ 747,893 $ 701,627 Scheduled maturities of time deposits at June 30, 2024 were as follows: Twelve Months Ending June 30 2025 $ 243,472 2026 8,842 2027 1,240 2028 411 2029 271 Thereafter 91 $ 254,327

Note 7 - Short-term Borrowings

Note 7 - Short-term Borrowings	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 7 SHORT-TERM BORROWINGS Short-term borrowings consisted of federal funds purchased, repurchase agreements, a loan from the Federal Reserve Bank’s Bank Term Funding Program, and a line of credit for the Company. Information concerning all short-term borrowings at June 30, 2024 and 2023, maturing in less than one year is summarized as follows: 2024 2023 Balance at June 30 $ 30,007 $ 26,367 Average balance during the year 27,041 22,603 Maximum month-end balance 36,902 26,367 Average interest rate during the year 2.60 % 1.76 % Weighted average rate, June 30 2.97 % 2.20 % In fiscal year 2024, the Company obtained a loan from the Federal Reserve Bank’s Bank Term Funding Program for $10,000. Also, the Company has an unsecured $5,000 line of credit to provide capital support to the holding company. The outstanding balance on the line of credit was zero Overnight and Continuous 2024 2023 U.S. government-sponsored entities and agencies pledged $ 3,835 $ 3,730 Residential mortgage-backed securities pledged 17,911 19,648 Commercial mortgage-backed securities 3,401 3,641 Total pledged $ 25,147 $ 27,019 Repurchase agreements $ 18,307 $ 23,783 Total interest expense on short-term borrowings was $702 and $397 for the years ended June 30, 2024 and 2023, respectively.

Note 8 - Federal Home Loan Bank

Note 8 - Federal Home Loan Bank Advances	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Federal Home Loan Bank Advances, Disclosure [Text Block]	NOTE 8 FEDERAL HOME LOAN BANK ADVANCES A summary of Federal Home Loan Bank (FHLB) advances were as follows: June 30, 2024 June 30, 2023 Stated Interest Rate Range Weighted Average Weighted Average Advance Type From To Amount Rate Amount Rate Fixed rate, amortizing 1.37 % 1.37 % $ 109 1.37 % $ 176 1.37 % Fixed rate 0.90 1.18 8,000 1.04 8,000 1.04 Variable rate 5.46 5.46 5,600 5.46 600 5.19 Each fixed rate advance has a prepayment penalty equal to the present value of 100% of the lost cash flow based upon the difference between the contract rate on the advance and the current rate on a comparable new advance. The following table is a summary of the scheduled principal payments for all advances as of June 30, 2024: Twelve Months Ending June 30 Principal 2025 $ 9,600 2026 109 2027 — 2028 — 2029 — Thereafter 4,000 Total $ 13,709 Pursuant to collateral agreements with FHLB, advances are secured by all the stock invested in the FHLB and certain qualifying first mortgage and multi-family loans. The advances were collateralized by $182,257 and $169,993 of first mortgage and multi-family loans under a blanket lien arrangement at June 30, 2024 and 2023, respectively. Based on this collateral, the Bank was eligible to borrow up to a total of $99,814 in additional advances at June 30, 2024.

Note 9 - Employee Benefit Plans

Note 9 - Employee Benefit Plans	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Compensation and Employee Benefit Plans [Text Block]	NOTE 9 EMPLOYEE BENEFIT PLANS The Bank maintains a 401(k) savings and retirement plan that permits eligible employees to make before- or after-tax contributions to the plan, subject to the dollar limits from Internal Revenue Service regulations. The Bank matches 100% of the employee’s voluntary contributions to the plan based on the amount of each participant’s contributions up to a maximum of 4% of eligible compensation. All regular full-time and part-time employees who complete 90 days of service and are at least 18 years of age are eligible to participate. Amounts charged to operations were $417 and $390 for the years ended June 30, 2024 and 2023, respectively. The Bank maintains a nonqualified Salary Continuation Plan (SCP) to reward and encourage certain Bank executives to remain employees of the Bank. The SCP is considered an unfunded plan for tax and Employee Retirement Income Security Act (ERISA) purposes and all obligations arising under the SCP are payable from the general assets of the Company. The estimated present value of future benefits to be paid to certain current and former executives totaled $3,997 as of June 30, 2024 and $3,687 as of June 30, 2023 and is included in other liabilities. For purposes of calculating the present value of future benefits, a discount rate of 6.0% was used to project the liability through June 30, 2024 and 5.75% was used at June 30, 2023. For the years ended June 30, 2024 and 2023, $452 and $256, respectively, have been charged to expense in connection with the SCP. Distributions to participants were $142 for the fiscal year ended June 30, 2024 and $133 for the fiscal year ended June 30, 2023. The Amended and Restated 2010 Omnibus Incentive Plan (2010 Plan) is a nonqualified share-based compensation plan. The 2010 Plan was established to promote alignment between key employees’ performance and the Company’s shareholder interests by motivating performance through the award of stock-based compensation. The purpose of the 2010 Plan was to attract, retain, and motivate talented employees and compensate outside directors for their service to the Company. The 2010 Plan was approved by the Company’s shareholders. The Compensation Committee of the Company’s Board of Directors has sole authority to select the employees, establish the awards to be issued, and approve the terms and conditions of each award contract. Under the 2010 Plan, the Company could grant, among other things, nonqualified stock options, incentive stock options, stock appreciation rights, restricted stock, restricted stock units, or any combination thereof to any employee and outside director. Each award was evidenced by an award agreement that specifies the number of shares awarded, the vesting period, the performance requirements, and such other provisions as the Compensation Committee determines. Upon a change-in-control of the Company, as defined in the 2010 Plan, all outstanding awards immediately vest. The Company has granted restricted stock awards and restricted stock units to certain employees and directors. Restricted stock units and awards are issued at no cost to the recipient and can be settled in shares or cash at the end of the vesting period depending on the type of award. Restricted stock awards are made at the end of the measurement period once certain specified performance targets as established by the Compensation Committee are achieved with some awards fully vesting on the date of grant and others vesting 25% on the grant date, with the remaining vesting 25% per year over a three-year three-year The following table summarizes the status of the restricted stock awards and restricted stock units: Restricted Stock Awards Weighted- Average Grant Date Fair Value Per Share Restricted Stock Units Weighted- Average Grant Date Fair Value Per Share Outstanding at June 30, 2023 23,044 $ 19.46 9,078 $ 18.74 Granted — — — — Vested (10,283 ) 19.24 (3,027 ) 18.74 Non-vested at June 30, 2024 12,761 $ 19.65 6,051 $ 18.74 There was $229 in expense recognized in fiscal year 2024 and $579 in expense recognized in fiscal year 2023 in connection with the restricted stock units and awards. As of June 30, 2024, there was $240 of total unrecognized compensation expense related to non-vested shares and a weighted-average expense recognition period of 1.3 years.

Note 10 - Income Taxes

Note 10 - Income Taxes	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Income Tax Disclosure [Text Block]	NOTE 10 INCOME TAXES The provision for income taxes consisted of the following for the years ended June 30, calculated utilizing a statutory federal income tax rate of 21.0%: 2024 2023 Current income taxes $ 2,087 $ 2,344 Deferred income tax benefit (242 ) (96 ) Total income tax expense $ 1,845 $ 2,248 The net deferred income tax asset (liability) consisted of the following components at June 30: 2024 2023 Deferred tax assets: Allowance for credit losses $ 1,743 $ 1,622 Deferred compensation 1,026 986 Partnership investment 154 — Deferred income 132 31 Non-accrual loan interest income 22 20 Net unrealized securities loss 7,532 7,964 Other 3 3 Gross deferred tax asset 10,612 10,626 Deferred tax liabilities: Depreciation (776 ) (783 ) Loan fees (663 ) (640 ) FHLB stock dividends (102 ) (102 ) Prepaid expenses (176 ) (150 ) Intangible assets (258 ) (199 ) Gross deferred tax liabilities (1,975 ) (1,874 ) Net deferred asset $ 8,637 $ 8,752 The difference between the provision for income taxes and amounts computed by applying the statutory income tax rate of 21.0% to income before taxes consisted of the following for the years ended June 30: 2024 2023 Income taxes computed at the statutory rate on pretax income $ 2,189 $ 2,714 Tax exempt income (221 ) (400 ) Cash surrender value income (58 ) (55 ) Affordable housing tax credit (66 ) — Tax credit (16 ) (17 ) Other non-deductible expenses 17 6 Total income tax expense $ 1,845 $ 2,248 The effective tax rate was 17.7% for the year ended June 30, 2024 compared to 17.4% for the year ended June 30, 2023. At June 30, 2024 and June 30, 2023, the Company had no no no The Company and the Bank are subject to U.S. federal income tax as an income-based tax and a capital-based financial institutions tax in the State of Ohio. The Company and the Bank are no longer subject to examination by taxing authorities for years before 2020

Note 11 - Related Party Transac

Note 11 - Related Party Transactions	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	NOTE 11 RELATED PARTY TRANSACTIONS In the ordinary course of business, the Bank has granted loans to certain executive officers, directors, and their affiliates. A summary of activity during the year ended June 30, 2024 of related party loans were as follows: Principal balance, July 1 $ 2,657 New loans, net of refinancing 185 Repayments (729 ) Principal balance, June 30 $ 2,113 Deposits from executive officers, directors and their affiliates totaled $5,569 at June 30, 2024 and $6,100 at June 30, 2023.

Note 12 - Regulatory Matters

Note 12 - Regulatory Matters	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	NOTE 12 REGULATORY MATTERS Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective-action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements. The prompt corrective action regulations provide five classifications, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and plans for capital restoration are required. As of fiscal year-end 2024 and 2023, the Company met the definition of a Small Bank Holding Company and, therefore, was exempt from maintaining consolidated regulatory capital ratios. Instead, regulatory capital ratios only apply at the subsidiary bank level. The Basel III Capital Rules include a capital conservation buffer of 2.5% that is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets above the minimum but below the conservation buffer will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes as of June 30, 2024, the Bank met all capital adequacy requirements to which it was subject. The following table presents actual and required capital ratios as of June 30, 2024 and June 30, 2023 for the Bank: Actual Minimum Capital Required – Basel III (1) Minimum Required To Be Considered Well Capitalized Amount Ratio Amount Ratio Amount Ratio June 30, 2024 Common equity Tier 1 to risk-weighted assets $ 89.2 11.07 % $ 36.2 4.50 % $ 52.4 6.50 % Tier 1 capital to risk weighted assets 89.2 11.07 48.3 6.00 64.4 8.00 Total capital to risk weighted assets 97.2 12.07 64.4 8.00 80.6 10.00 Tier 1 capital to average assets 89.2 7.98 44.7 4.00 55.9 5.00 Actual Minimum Capital Required - Basel III (1) Minimum Required To Be Considered Well Capitalized Amount Ratio Amount Ratio Amount Ratio June 30, 2023 Common equity Tier 1 to risk-weighted assets $ 83.5 11.05 % $ 34.0 4.50 % $ 49.1 6.50 % Tier 1 capital to risk weighted assets 83.5 11.05 45.4 6.00 60.5 8.00 Total capital to risk weighted assets 91.2 12.07 60.5 8.00 75.6 10.00 Tier 1 capital to average assets 83.5 7.72 43.3 4.00 54.1 5.00 (1) These amounts exclude the capital conservation buffer. As of the latest regulatory examination, the Bank was categorized as well capitalized. There are no conditions or events since that examination that management believes may have changed the Bank’s category. The Company’s principal source of funds for dividend payment is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net profits, combined with the retained net profits of the preceding two years, subject to the capital requirements described above. As of June 30, 2024 the Bank could, without prior approval, declare a dividend of approximately $18,593.

Note 13 - Commitments With Off-

Note 13 - Commitments With Off-balance Sheet Risk	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Commitments with Off-Balance Sheet Risk Disclosure [Text Block]	NOTE 13 COMMITMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to commitments to extend credit in the normal course of business to meet the financing needs of its customers. Commitments are agreements to lend to customers providing that there are no violations of any condition established in the contract. Commitments to extend credit have a fixed expiration date or other termination clause. These instruments involve elements of credit and interest rate risk more than the amount recognized in the statements of financial position. The Bank uses the same credit policies in making commitments to extend credit as it does for on-balance sheet instruments. The Bank evaluates each customer’s credit on a case-by-case basis. The amount of collateral obtained is based on management’s credit evaluation of the customer. The amount of commitments to extend credit and the exposure to credit loss for non-performance by the customer (before considering collateral) was $144,616 and $142,767 as of June 30, 2024 and 2023, respectively. As of June 30, 2024, $130,955 of the commitments carried variable rates and $13,661 carried fixed rates with interest rates ranging from 3.05% to 10.50% with maturity dates from July 2024 to January 2056. As of June 30, 2023, $126,698 of the commitments carried variable rates and $16,069 carried fixed rates with interest rates ranging from 3.05% to 11.00% with maturity dates from July 2023 to August 2060. Financial standby letters of credit were $1,180 and $1,178 as of June 30, 2024 and 2023, respectively. In addition, commitments to extend credit of $11,298 and $11,834 as of June 30, 2024 and 2023, respectively, were available to checking account customers related to the overdraft protection program. Since some loan commitments expire without being used, the amount does not necessarily represent future cash commitments.

Note 14 - Fair Value

Note 14 - Fair Value	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 14 FAIR VALUE 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 levels of inputs that may be used to measure fair values: Level 1: Level 2: Level 3: Financial assets and financial liabilities measured at fair value on a recurring basis include the following: Securities available-for-sale and equity securities: 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: Fair Value Measurements at June 30, 2024 Using Assets: Balance at June 30, 2024 Level 1 Level 2 Level 3 Obligations of U.S. treasury $ 6,252 $ 6,252 $ — — Obligations of U.S. government-sponsored entities and agencies 24,667 — 24,667 — Obligations of states and political subdivisions 77,730 — 77,730 — U.S. government-sponsored mortgage-backed securities - residential 79,367 — 79,367 — U.S. government-sponsored mortgage-backed securities - commercial 6,832 — 6,832 — U.S. government-sponsored collateralized mortgage obligations 54,668 — 54,668 — Other debt securities 15,286 — 15,286 — Equity securities 381 — 381 — Fair Value Measurements at June 30, 2023 Using Assets: Balance at June 30, 2023 Level 1 Level 2 Level 3 Obligations of U.S. treasury $ 8,408 $ 8,408 $ — — Obligations of U.S. government-sponsored entities and agencies 25,692 — 25,692 — Obligations of states 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 50,070 — 50,070 — Other debt securities 15,033 — 15,033 — Equity securities 386 — 386 — There were no transfers between Level 1 and Level 2 during the 2024 or the 2023 fiscal year. Certain assets and liabilities are measured at fair value on a non-recurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances. Assets and liabilities measured at fair value on a non-recurring basis include the following: Collateral Dependent Loans: Other Real Estate and Repossessed Assets Owned: no 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: 2024 2023 Carrying Estimated Carrying Estimated Financial Assets: Level 1 inputs: Cash and cash equivalents $ 17,723 $ 17,723 $ 11,755 $ 11,755 Level 2 inputs: Certificates of deposit in other financial institutions — — 2,501 2,450 Loans held for sale 908 920 764 774 Accrued interest receivable 3,560 3,560 3,024 3,024 Level 3 inputs: Securities held-to-maturity 6,054 5,530 6,970 6,294 Loans, net 751,184 714,205 702,638 656,737 Financial Liabilities: Level 2 inputs: Demand and savings deposits 718,653 718,653 738,190 738,190 Time deposits 254,327 253,458 214,343 211,856 Short-term borrowings 30,007 30,007 26,367 26,367 Federal Home Loan Bank advances 13,709 12,672 8,776 7,678 Accrued interest payable 915 915 344 344 The assumptions used to estimate fair value are described as follows: Cash and cash equivalents: Certificates of deposit in other financial institutions: Accrued interest receivable and payable, demand and savings deposits and short-term borrowings Loans held for sale: Loans: Securities held-to-maturity: Time deposits: Federal Home Loan Bank advances: Federal bank and other restricted stocks, at cost: Off-balance sheet commitments:

Note 15 - Affordable Tax Credit

Note 15 - Affordable Tax Credit Partnership	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Investments in Affordable Housing Tax Credits Projects [Text Block]	NOTE 15 AFFORDABLE HOUSING TAX CREDIT PARTNERSHIP In April 2023, the Company invested in a limited partnership that will in turn invest in qualified affordable housing projects that will generate tax benefits for the limited partner investors, including federal low-income housing tax credits pursuant to Section 42 of the Internal Revenue Code. This partnership investment is an unconsolidated Variable Interest Entity (VIE) for which the Company holds an interest in but is not the primary beneficiary of the VIE. The purpose of this investment is to achieve a satisfactory return on capital, to facilitate the sale of additional affordable housing product offerings, and to assist in achieving goals associated with the Community Reinvestment Act. The primary activities of the limited partnership include the identification, development, and operation of multi-family housing that is leased to qualifying residential tenants. Generally, these types of investments are funded through a combination of debt and equity. 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 recourse to the Company by the creditors of the limited partnership; however, the tax credits are generally subject to recapture should the partnership fail to comply with the applicable government regulations. The following table summarizes the balances of the affordable housing tax credit investment and related unfunded commitment at June 30, 2024 and June 30, 2023. June 30, 2024 June 30, 2023 Affordable housing tax credit investment $ 10,250 $ 10,250 Less: amortization (397 ) — Net affordable housing tax credit investment $ 9,853 $ 10,250 Unfunded commitments $ 8,279 $ 9,668 The following summarizes other information relating to the affordable housing tax credit investment for the twelve- month periods ended June 30, 2024 and 2023. Twelve Months Ended June 30, 2024 2023 Tax credits and other tax benefits recognized $ 463 $ — Proportional amortization expense included in provision for income taxes 397 —

Note 16 - Parent Company Financ

Note 16 - Parent Company Financial Statements	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	NOTE 16 PARENT COMPANY FINANCIAL STATEMENTS The condensed financial information of Consumers Bancorp. Inc. (parent company only) follows: Condensed Balance Sheets June 30, June 30, Assets: Cash $ 29 $ 26 Equity securities, at fair value 381 386 Other assets 51 22 Investment in subsidiary 63,349 56,328 Total assets $ 63,810 $ 56,762 Liabilities and Shareholders’ Equity: Short-term borrowings $ — $ 1,200 Other liabilities 125 78 Shareholders’ equity 63,685 55,484 Total liabilities & shareholders’ equity $ 63,810 $ 56,762 Condensed Statements of Income and Comprehensive Income Year Ended Year Ended Cash dividends from Bank subsidiary $ 3,205 $ 1,575 Dividend income 33 33 Net change in market value of equity securities (5 ) (14 ) Other income — 14 Interest expense (43 ) (75 ) Other expense (371 ) (295 ) Income before income taxes and equity in undistributed net income of subsidiary 2,819 1,238 Income tax benefit (84 ) (76 ) Income before equity in undistributed net income of Bank subsidiary 2,903 1,314 Equity in undistributed net income of subsidiary 5,677 9,360 Net income $ 8,580 $ 10,674 Comprehensive income $ 10,209 $ 2,819 Condensed Statements of Cash Flows Year Ended Year Ended Cash flows from operating activities: Net income $ 8,580 $ 10,674 Equity in undistributed net income of Bank subsidiary (5,677 ) (9,360 ) Net change in market value of equity securities 5 14 Change in other assets and liabilities 18 (3 ) Net cash flows from operating activities 2,926 1,325 Cash flows from financing activities: Dividends paid (2,246 ) (2,095 ) Restricted stock expense 62 159 Issuance of stock-based incentive plan shares 2 — Net change in short-term borrowings (1,200 ) (70 ) Proceeds from dividend reinvestment and stock purchase plan 264 238 Issuance of treasury stock for stock awards 195 393 Net cash flows from financing activities (2,923 ) (1,375 ) Change in cash and cash equivalents 3 (50 ) Beginning cash and cash equivalents 26 76 Ending cash and cash equivalents $ 29 $ 26

Note 17 - Earnings Per Share

Note 17 - Earnings Per Share	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 17 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 be issued upon the vesting of restricted stock awards and restricted stock units. There were 6,642 shares of restricted stock and 6,051 restricted stock units that were anti-dilutive for the year ending June 30, 2024. There were 14,800 shares of restricted stock and 9,078 restricted stock units that were anti-dilutive for the year ending June 30, 2023. The following table details the calculation of basic and diluted earnings per share: For the year Ended June 30, 2024 2023 Basic: Net income available to common shareholders $ 8,580 $ 10,674 Weighted average common shares outstanding 3,109,263 3,090,187 Basic income per share $ 2.76 $ 3.45 Diluted: Net income available to common shareholders $ 8,580 $ 10,674 Weighted average common shares outstanding 3,109,263 3,090,187 Dilutive effect of restricted stock — — Total common shares and dilutive potential common shares 3,109,263 3,090,187 Dilutive income per share $ 2.76 $ 3.45

Note 18 - Accumulated Other Com

Note 18 - Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	NOTE 18 ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The components of other comprehensive income related to unrealized gains (losses) on available-for-sale securities for the periods ended June 30, 2024 and June 30, 2023, were as follows: 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 loss on available-for-sale securities arising during the period $ (9,929 ) $ 2,085 $ (7,844 ) Amounts reclassified from accumulated other comprehensive income (14 ) 3 (11 ) (a)(b) Net current period other comprehensive loss (9,943 ) 2,088 (7,855 ) Balance as of June 30, 2023 $ (37,925 ) $ 7,964 $ (29,961 ) Unrealized holding gain on available-for-sale securities arising during the period $ 1,981 $ (415 ) $ 1,566 Amounts reclassified from accumulated other comprehensive loss 80 (17 ) 63 (a)(b) Net current period other comprehensive income 2,061 (432 ) 1,629 Balance as of June 30, 2024 $ (35,864 ) $ 7,532 $ (28,332 ) (a) Securities gain, net (b) Income tax expense

Note 19 - Revenue Recognition

Note 19 - Revenue Recognition	12 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	NOTE 19 REVENUE RECOGNITION The Company accounts for revenues from contracts with customers under ASC 606, Revenue from Contracts with Customers. Interest income, net securities gains (losses), gains from the sale of mortgage loans and bank-owned life insurance are not included within the scope of ASC 606. For the revenue streams in the scope of ASC 606, service charges on deposits and electronic banking fees, there are no significant judgments related to the amount and timing of revenue recognition. All the Company's revenue from contracts with customers is recognized within noninterest income. Service charges on deposit accounts: Interchange income: Other income The following table presents the Company's sources of noninterest income for the years ended June 30, 2024 and 2023. For the year Ended June 30, 2024 2023 Noninterest income In scope of Topic 606: Service charges on deposit accounts $ 1,684 $ 1,598 Debit card interchange income 2,312 2,181 Other income 387 360 Noninterest income (in scope of Topic 606) 4,383 4,139 Noninterest income (out-of-scope of Topic 606) 513 608 Total noninterest income $ 4,896 $ 4,747

Insider Trading Arrangements

Insider Trading Arrangements	12 Months Ended
	Jun. 30, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]	Item 9B 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)	12 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	Principles of Consolidation:
Nature of Operations [Policy Text Block]	Nature of Operations:
Segment Reporting, Policy [Policy Text Block]	Business Segment Information: one
Business Combinations Policy [Policy Text Block]	Acquisition:
Use of Estimates, Policy [Policy Text Block]	Use of Estimates:
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents:
Interest Bearing Deposits in Other Financial Institutions [Policy Text Block]	Interest Bearing Deposits in Other Financial Institutions:
Certificate of Deposits in Financial Institutions [Policy Text Block]	Certificates of Deposit in Financial Institutions:
Cash Reserves [Policy Text Block]	Cash Reserves: zero
Marketable Securities, Policy [Policy Text Block]	Securities: Interest income includes amortization of purchase premiums and accretion of discounts. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. The Company has made a policy election to exclude accrued interest income from the amortized cost basis of debt securities and report accrued interest separately in other assets in the Consolidated Balance Sheets. A debt security is placed on nonaccrual status at the time we no longer expect to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest for a security placed on nonaccrual is reversed against interest income. Accordingly, we do not recognize an allowance for credit loss against accrued interest receivable. Allowance for Credit Losses Held-to-Maturity (HTM) Debt Securities Allowance for Credit Losses Available-for-Sale (AFS) Debt Securities Prior to the adoption of ASC 326 and the current expected credit loss model on July 1, 2023, management evaluated securities for other-than-temporary impairment (OTTI). The evaluation of securities included consideration given to the length of time and the extent to which the fair value had been less than cost, the financial condition and near-term prospects of the issuer, whether the market decline was affected by macroeconomic conditions and whether the Company had the intent to sell the security or it was more likely than not it would be required to sell the security before recovery of its amortized cost basis.
Equity Securities [Policy Text Block]	Equity Securities:
Federal Home Loan Bank FHLB Stock [Policy Text Block]	Federal Bank and Other Restricted Stocks:
Financing Receivable, Held-for-Sale [Policy Text Block]	Loans Held for Sale:
Derivatives, Policy [Policy Text Block]	Mortgage Banking Derivatives:
Policy Loans Receivable, Policy [Policy Text Block]	Loans: Interest income on commercial and mortgage loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in the process of collection. Consumer loans are typically charged off no later than 120 days past due unless the loan is in the process of collection. Past due status is determined by the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received on loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when the customer has exhibited the ability to repay and demonstrated this ability over at least a consecutive six-month period and future payments are reasonably assured.
Loan Commitments, Policy [Policy Text Block]	Loan Commitments and Related Financial Instruments:
Concentration Risk, Credit Risk, Policy [Policy Text Block]	Concentrations of Credit Risk: Adoption of ASC 326:
Credit Loss, Financial Instrument [Policy Text Block]	Allowance for Credit Losses: The allowance balance is estimated using relevant available information, from internal and external sources, related to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience of our peer group provides the basis for the estimation of expected credit losses. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments. The allowance for credit losses consists of general and specific components. The general component includes loans with similar risk characteristics that are collectively evaluated for credit losses. The allowance for credit losses for the general portfolio segments is evaluated based upon periodic quantitative review of the collectability of the loans that correlates historical loss 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-year reasonable and supportable forecast period with a one-year straight-line reversion to the long-term historical average. Key inputs into the discounted cash flow model include loan-level detail, including the amortized cost basis of individual loans, payment structure, and forecasted loss drivers. Since the Company has had very limited loss experience, management elected to utilize benchmark peer loss history data to estimate historical loss rates. Management worked with a third-party advisory firm to identify an appropriate peer group for each loan segment that shares similar characteristics. The Company uses the central tendency seasonally adjusted civilian unemployment rate forecast from the FOMC for all portfolio segments. Other key assumptions include a maturity assumption for loans without maturity dates and prepayment / curtailment rates specific to each loan segment. Prepayment and curtailment rates are calculated based on the Company’s own data. The Company has identified six portfolio segments of loans including Commercial & Industrial, Commercial Real Estate, Farmland, Land Development, 1 – 4 Family Residential Real Estate, and Consumer loans. Each segment has a distinct set of risk characteristics that are monitored by management. Below are the risk characteristics of the loan segments. Commercial & Industrial: Commercial Real Estate: Commercial construction loans generally adjust with the prime rate during the construction period and may convert to amortizing loans with maturities up to 25 years. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction through completion. The property owner’s and/or guarantor’s financial strength, expertise, credit history, and the projected cash flow of the property are considered during underwriting of construction loans. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner-occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction compared to the estimated cost (including interest) of construction. If the estimate of value proves to be inaccurate, there may not be sufficient funds to complete the project, or a completed project with an insufficient value to assure full repayment. We attempt to reduce such risks on construction loans by including a contingency amount in the financing package, through inspections of construction progress on the property, by reviewing the owner’s financial strength, the success of the owners’ and / or contractor’s past projects, and by requiring personal guarantees of the owners. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s commercial real estate portfolio are diverse in terms of type and are primarily located in our immediate and surrounding market area. This diversity helps reduce the Company’s exposure to adverse economic events that may affect any single market or industry. The three largest collateral concentrations within the commercial real estate non-owner-occupied portfolio are retail rental, office rental, and nursing home/assisted living facilities. The office rental segment includes a high percentage of medical facilities that require special build outs that would make it more costly for a tenant to change locations. Also, personal guarantees are typically obtained on commercial real estate loans. Commercial real estate loans are originated primarily in the area in which the bank operates. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. Farmland Land Development 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 be confronted with a project, when completed, having a value which is insufficient to assure full repayment. We attempt to reduce such risks on development loans by including a contingency amount in the financing package, through inspections of construction progress on the property, by reviewing the developers financial strength and past projects, and requiring personal guarantees. 1-4 Family Residential Real Estate Consumer In some cases, management may determine that an individual loan exhibits unique risk characteristics which differentiate the loan from other loans within the loan segments. In such cases, the loans are evaluated for expected credit losses on an individual basis and excluded from the general component. Specific reserves in the allowance for credit losses are determined by analyzing the borrower's ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other things. A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. The fair value of collateral supporting collateral dependent loans is evaluated on a quarterly basis. Individually evaluated loans include the third-party residential mortgage warehouse line-of-credit, nonaccrual loans, modified loans to borrowers experiencing financial difficulty, and other loans deemed appropriate by management. Specific reserves on non-performing loans are typically based on management’s best estimate of the fair value of collateral securing these loans, adjusted for selling costs as appropriate. The Company qualitatively adjusts model results for risk factors that are not inherently captured in the general component but are nonetheless relevant in assessing the expected credit losses within the loan portfolio. These adjustments may increase or decrease the estimate of expected credit losses based upon the assessed level of risk for each qualitative factor. Management's adjustments to the quantitative evaluation may be for trends in delinquencies, trends in the volume of loans, changes in underwriting standards, changes in the value of underlying collateral, the existence and effect of portfolio concentration, regulatory environment, economic conditions, Company management and the status of portfolio administration including the Company’s loan review function.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses: The allowance consisted of specific and general components. The specific component related to loans that were individually classified as impaired. The general component covered non-classified loans and was based on historical loss experience adjusted for current factors. A loan was considered impaired when it was probable that the Company would be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms had been modified, resulting in a concession, and for which the borrower was experiencing financial difficulties, were considered troubled debt restructurings, and classified as impaired. Factors considered by management in determining impairment included payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experienced insignificant payment delays and payment shortfalls generally were not classified as impaired. Management determined the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment was evaluated collectively for smaller-balance loans of similar nature such as residential mortgage, consumer loans and on an individual loan basis for other loans. If a loan was impaired, a portion of the allowance was allocated so the loan was reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment was expected from the collateral. Loans were evaluated for impairment when payments were delayed, typically 90 days or more, or when it was probable that not all principal and interest amounts would be collected according to the original terms of the loan. Troubled debt restructurings were separately identified for impairment disclosures and were measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception. If a troubled debt restructuring was considered a collateral dependent loan, the loan was reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently defaulted, the Company determined the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covered non-impaired loans and was based on historical loss experience adjusted for current factors based on the risks present for each portfolio segment. The historical loss experience was determined by portfolio segment and was based on the actual loss history experienced by the Company over the most recent three-year period, depending on loan segment. This actual loss experience was supplemented with economic and other factors based on the risks present for each portfolio segment. These factors included consideration of the following: levels of and trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability and depth of lending management and other relevant staff; volume and severity of past due loans and other similar conditions; quality of the loan review system; value of underlying collateral for collateral dependent loans; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	Allowance for Credit Losses - Off-Balance Sheet Credit Exposures:
Investments in Affordable Housing Tax Credits Projects [Policy Text Block]	Low Income Housing Tax Credits (LIHTC)
Financing Receivable, Held-for-Investment, Foreclosed Asset [Policy Text Block]	Other Real Estate and Repossessed Assets Owned:
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	Transfers of Financial Assets:
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment: three thirty-nine
Cash Surrender Value of Life Insurance [Policy Text Block]	Cash Surrender Value of Life Insurance:
Goodwill and Intangible Assets, Policy [Policy Text Block]	Goodwill and Other Intangible Assets:
Long-term Assets [Policy Text Block]	Long-Term Assets:
Repurchase and Resale Agreements Policy [Policy Text Block]	Repurchase Agreements:
Pension and Other Postretirement Plans, Policy [Policy Text Block]	Retirement Plans:
Income Tax, Policy [Policy Text Block]	Income Taxes:
Earnings Per Share, Policy [Policy Text Block]	Earnings per Common Share:
Share-Based Payment Arrangement [Policy Text Block]	Stock-Based Compensation:
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income:
Malpractice Loss Contingency, Policy [Policy Text Block]	Loss Contingencies:
Fair Value of Financial Instruments, Policy [Policy Text Block]	Fair Value of Financial Instruments:
Dividend Restrictions [Policy Text Block]	Dividend Restrictions:
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications:
New Accounting Pronouncements, Policy [Policy Text Block]	Accounting Pronouncements Adopted in Fiscal Year 2024: This guidance became effective for the Company on July 1, 2023 and was adopted using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. The Company’s results for periods beginning after July 1, 2023 are presented under ASC 326 while results for prior periods are presented in accordance with previously applicable accounting standards. 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. In March 2022, FASB issued ASU 2022-02, Financial Instruments – Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures. The guidance amended ASC 326 to eliminate the accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructuring activities by creditors when a borrower is experiencing financial difficulty. Specifically, rather than applying TDR recognition and measurement guidance, creditors are required to determine whether a modification results in a new loan or continuation of the existing loan. The ASU requires enhanced disclosures related to certain modifications of receivables made to borrowers experiencing financial difficulty and requires that an entity disclose current-period gross write-offs by year of origination within the vintage disclosures. The Company adopted ASU 2022-02 on July 1, 2023. The adoption of this ASU did not have a material impact on the Company’s financial statements. Recently Issued Accounting Pronouncements Not Yet Effective

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Marketable Securities [Table Text Block]	Available-for-sale Amortized Gross Gross Fair June 30, 2024 Obligation of U.S Treasury $ 6,471 $ — $ (219 ) $ 6,252 Obligations of U.S. government-sponsored entities and agencies 28,019 4 (3,356 ) 24,667 Obligations of state and political subdivisions 85,917 46 (8,233 ) 77,730 U.S. Government-sponsored mortgage-backed securities - residential 94,303 — (14,936 ) 79,367 U.S. Government-sponsored mortgage-backed securities - commercial 8,584 — (1,752 ) 6,832 U.S. Government-sponsored collateralized mortgage obligations – residential 60,333 92 (5,757 ) 54,668 Other debt securities 17,039 — (1,753 ) 15,286 Total available-for-sale securities $ 300,666 $ 142 $ (36,006 ) $ 264,802 Held-to-maturity Amortized Gross Gross Losses Fair June 30, 2024 Obligations of state and political subdivisions $ 6,054 $ — $ (524 ) $ 5,530 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 available-for-sale securities $ 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]	2024 2023 Proceeds from sales $ 8,092 $ 16,472 Gross realized gains 14 87 Gross realized losses (94 ) (73 )
Investments Classified by Contractual Maturity Date [Table Text Block]	Available-for-sale Amortized Cost Fair Value Due in one year or less $ 10,882 $ 10,768 Due after one year through five years 27,808 26,073 Due after five years through ten years 47,465 42,536 Due after ten years 51,291 44,558 Total 137,446 123,935 U.S. Government-sponsored mortgage-backed and related securities 163,220 140,867 Total $ 300,666 $ 264,802 Held-to-maturity Amortized Cost Fair Value Due in one year or less $ 43 $ 42 Due after one year through five years 2,303 2,229 Due after five years through ten years 3,708 3,259 Total $ 6,054 $ 5,530
Gain (Loss) on Securities [Table Text Block]	Less than 12 Months 12 Months or more Total June 30, 2024 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-sale Obligations of U.S Treasury $ — $ — $ 6,252 $ (219 ) $ 6,252 $ (219 ) Obligations of U.S. government-sponsored entities and agencies 153 (4 ) 22,899 (3,352 ) 23,052 (3,356 ) Obligations of state and political subdivisions 8,110 (148 ) 63,612 (8,085 ) 71,722 (8,233 ) Mortgage-backed securities – residential 1,010 (3 ) 78,357 (14,933 ) 79,367 (14,936 ) Mortgage-backed securities – commercial — — 6,832 (1,752 ) 6,832 (1,752 ) Collateralized mortgage obligations - residential 10,363 (96 ) 36,049 (5,661 ) 46,412 (5,757 ) Other debt securities — — 15,286 (1,753 ) 15,286 (1,753 ) Total $ 19,636 $ (251 ) $ 229,287 $ (35,755 ) $ 248,923 $ (36,006 ) Less than 12 Months 12 Months or more Total June 30, 2024 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-maturity Obligations of state and political subdivisions $ — $ — $ 5,530 $ (524 ) $ 5,530 $ (524 ) Less than 12 Months 12 Months or more Total June 30, 2023 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-sale 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 $ 42,390 $ (1,076 ) $ 228,398 $ (36,939 ) $ 270,788 $ (38,015 ) Less than 12 Months 12 Months or more Total June 30, 2023 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-maturity Obligations of state and political subdivisions $ — $ — $ 6,294 $ (676 ) $ 6,294 $ (676 )
Unrealized Gain (Loss) on Investments [Table Text Block]	2024 2023 Unrealized loss recognized on equity securities held at the end of the period $ (5 ) $ (14 ) Total unrealized losses recognized on equity securities still held at the reporting date (19 ) (14 )

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Credit Losses (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	2024 2023 Commercial & Industrial $ 127,782 $ 112,558 Commercial real estate: Owner occupied 163,856 151,005 Non-owner occupied 146,827 140,002 Farmland 38,898 40,606 Land development 12,654 11,004 1-4 family residential real estate 196,098 189,312 Consumer 72,915 65,617 Subtotal 759,030 710,104 Unamortized deferred loan costs, net 84 258 Allowance for credit losses (7,930 ) (7,724 ) Net loans $ 751,184 $ 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 $ 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 297 (240 ) (4 ) (224 ) 277 450 556 Charge-offs (6 ) — — — — (560 ) (566 ) Recoveries — — — — 4 160 164 ACL ending balance $ 1,144 $ 3,650 $ 89 $ 174 $ 2,018 $ 855 $ 7,930 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 348 15 (72 ) 564 855 Loans charged-off — — (6 ) (441 ) (447 ) Recoveries — 1 4 151 156 Total ending allowance balance $ 1,308 $ 3,943 $ 1,571 $ 902 $ 7,724 June 30, 2024 Interest Income Non-accrual Total Recognized during loans with Non-accrual the period on no ACL loans non-accrual loans Commercial & Industrial $ 51 $ 308 $ — Commercial real estate: Owner occupied 189 189 75 1 – 4 family residential real estate 262 277 7 Total $ 502 $ 774 $ 82 1-4 Family Commercial Residential Real Real Commercial Estate Estate Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Acquired loans collectively evaluated for impairment — 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]	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 $ — $ — $ 308 $ 308 $ 127,503 $ 127,811 $ — Commercial real estate: Owner occupied 311 — 189 500 163,043 163,543 — Non-owner occupied — — — — 146,529 146,529 — Farmland — — — — 38,799 38,799 — Land development — — — — 12,615 12,615 — 1 – 4 family residential real estate 294 — 158 452 196,691 197,143 68 Consumer 575 98 16 689 71,985 72,674 16 Total $ 1,180 $ 98 $ 671 $ 1,949 $ 757,165 $ 759,114 $ 84 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 Pass $ 43,540 $ 24,263 $ 28,588 $ 7,370 $ 3,448 $ 3,954 $ 14,868 $ 93 $ 126,124 Special Mention 151 67 569 12 — 61 755 — 1,615 Substandard — — — 8 — — — — 8 Doubtful — — — — — — 64 — 64 Total Commercial & Industrial $ 43,691 $ 24,330 $ 29,157 $ 7,390 $ 3,448 $ 4,015 $ 15,687 $ 93 $ 127,811 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ 6 $ — $ — $ 6 Commercial real estate: Owner occupied: Pass $ 16,207 $ 20,615 $ 34,572 $ 21,405 $ 14,877 $ 41,035 $ 11,684 $ — $ 160,395 Special Mention — — — 650 320 1,708 151 — 2,829 Substandard — — — — — 254 — — 254 Doubtful — — — 14 — 51 — — 65 Total owner occupied $ 16,207 $ 20,615 $ 34,572 $ 22,069 $ 15,197 $ 43,048 $ 11,835 $ — $ 163,543 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-owner occupied: Pass $ 16,395 $ 37,241 $ 22,324 $ 23,564 $ 11,616 $ 34,570 $ 819 $ — $ 146,529 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total non-owner occupied $ 16,395 $ 37,241 $ 22,324 $ 23,564 $ 11,616 $ 34,570 $ 819 $ — $ 146,529 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Farmland: Pass $ 1,543 $ 5,854 $ 5,867 $ 5,309 $ 2,280 $ 16,591 $ 1,201 $ 143 $ 38,788 Special Mention — — — — — 11 — — 11 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Farmland $ 1,543 $ 5,854 $ 5,867 $ 5,309 $ 2,280 $ 16,602 $ 1,201 $ 143 $ 38,799 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Land Development: Pass $ 4,449 $ 2,005 $ 353 $ 512 $ 285 $ 504 $ 4,507 $ — $ 12,615 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Land Development $ 4,449 $ 2,005 $ 353 $ 512 $ 285 $ 504 $ 4,507 $ — $ 12,615 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total: Pass $ 82,134 $ 89,978 $ 91,704 $ 58,160 $ 32,506 $ 96,654 $ 33,079 $ 236 $ 484,451 Special Mention 151 67 569 662 320 1,780 906 — 4,455 Substandard — — — 8 — 254 — — 262 Doubtful — — — 14 — 51 64 — 129 Total $ 82,285 $ 90,045 $ 92,273 $ 58,844 $ 32,826 $ 98,739 $ 34,049 $ 236 $ 489,297 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 $ 16,675 $ 23,451 $ 29,857 $ 54,816 $ 18,891 $ 28,792 $ 24,235 $ 81 $ 196,798 Nonperforming — — 277 — — 68 — — 345 Total 1-4 family residential real estate $ 16,675 $ 23,451 $ 30,134 $ 54,816 $ 18,891 $ 28,860 $ 24,235 $ 81 $ 197,143 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Performing $ 29,800 $ 25,179 $ 12,422 $ 4,241 $ 586 $ 236 $ 194 $ — $ 72,658 Nonperforming 8 — 8 — — — — — 16 Total consumer $ 29,808 $ 25,179 $ 12,430 $ 4,241 $ 586 $ 236 $ 194 $ — $ 72,674 Current year-to-date gross write-offs $ 63 $ 140 $ 265 $ 56 $ 35 $ 1 $ — $ — $ 560 Total: Performing $ 46,475 $ 48,630 $ 42,279 $ 59,057 $ 19,477 $ 29,028 $ 24,429 $ 81 $ 269,456 Nonperforming 8 — 285 — — 68 — — 361 Total $ 46,483 $ 48,630 $ 42,564 $ 59,057 $ 19,477 $ 29,096 $ 24,429 $ 81 $ 269,817 Pass Special Mention Substandard Doubtful Not Rated Total Commercial $ 110,928 $ 1,174 $ 573 $ — $ 151 112,826 Commercial real estate: Construction 23,996 — — — — 23,996 Other 310,427 7,097 468 51 662 318,705 1-4 Family residential real estate: Owner occupied 2,013 — 17 — 156,407 158,437 Non-owner occupied 23,474 50 105 3 256 23,888 Construction 3,227 — — — 5,287 8,514 Consumer 597 — — — 64,997 65,594 Total $ 474,662 $ 8,321 $ 1,163 $ 54 $ 227,760 711,960
Schedule of Collateral Dependent Loans by Portfolio Segment and Collateral Type [Table Text Block]	June 30, 2024: Real Estate Other ACL Commercial & Industrial $ — $ 257 $ 67 Commercial real estate: Owner occupied 189 — — Total loans $ 189 $ 257 $ 67
Impaired Financing Receivable [Table Text Block]	Unpaid Allowance for Average Interest Cash Basis Principal Recorded Loan Losses Recorded Income Interest Balance Investment Allocated Investment Recognized Recognized With no related allowance recorded: Commercial $ 404 $ 314 $ — $ 306 $ 37 $ 37 Commercial real estate: Other 127 88 — 52 6 6 1-4 Family residential real estate: Owner occupied 24 — — 38 2 2 Non-owner occupied 3 3 — 29 — — Total $ 558 $ 405 $ — $ 425 $ 45 $ 45

Note 4 - Premises and Equipme_2

Note 4 - Premises and Equipment (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Property, Plant and Equipment [Table Text Block]	2024 2023 Land $ 2,417 $ 2,417 Land improvements 472 414 Building and leasehold improvements 15,944 15,973 Furniture, fixture and equipment 8,411 7,600 Total premises and equipment 27,244 26,404 Accumulated depreciation and amortization (10,317 ) (9,222 ) Premises and equipment, net $ 16,927 $ 17,182
Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]	Period Ending June 30 2025 $ 163 2026 125 2027 115 2028 115 2029 88 Thereafter 255 Total undiscounted cash flows $ 861 Less: present value discount $ (52 ) Total lease liabilities $ 809

Note 5 - Goodwill and Acquire_2

Note 5 - Goodwill and Acquired Intangible Assets (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Intangible Assets and Goodwill [Table Text Block]	June 30, 2024 June 30, 2023 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Core deposit intangible $ 565 $ 208 $ 565 $ 151

Note 6 - Deposits (Tables)

Note 6 - Deposits (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Deposit Liabilities, Type [Table Text Block]	2024 2023 Demand $ 142,261 $ 152,053 Savings and money market 351,305 335,231 Time: $250 and over 59,233 46,822 Other 195,094 167,521 Total $ 747,893 $ 701,627
Schedule of Time Deposit Maturities [Table Text Block]	Twelve Months Ending June 30 2025 $ 243,472 2026 8,842 2027 1,240 2028 411 2029 271 Thereafter 91 $ 254,327

Note 7 - Short-term Borrowings

Note 7 - Short-term Borrowings (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Short-Term Debt [Table Text Block]	2024 2023 Balance at June 30 $ 30,007 $ 26,367 Average balance during the year 27,041 22,603 Maximum month-end balance 36,902 26,367 Average interest rate during the year 2.60 % 1.76 % Weighted average rate, June 30 2.97 % 2.20 %
Schedule of Repurchase Agreements [Table Text Block]	Overnight and Continuous 2024 2023 U.S. government-sponsored entities and agencies pledged $ 3,835 $ 3,730 Residential mortgage-backed securities pledged 17,911 19,648 Commercial mortgage-backed securities 3,401 3,641 Total pledged $ 25,147 $ 27,019 Repurchase agreements $ 18,307 $ 23,783

Note 8 - Federal Home Loan Ba_2

Note 8 - Federal Home Loan Bank Advances (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Federal Home Loan Bank, Advance, Branch of FHLBank [Table Text Block]	June 30, 2024 June 30, 2023 Stated Interest Rate Range Weighted Average Weighted Average Advance Type From To Amount Rate Amount Rate Fixed rate, amortizing 1.37 % 1.37 % $ 109 1.37 % $ 176 1.37 % Fixed rate 0.90 1.18 8,000 1.04 8,000 1.04 Variable rate 5.46 5.46 5,600 5.46 600 5.19
Schedule of Principal Payments [Table Text Block]	Twelve Months Ending June 30 Principal 2025 $ 9,600 2026 109 2027 — 2028 — 2029 — Thereafter 4,000 Total $ 13,709

Note 9 - Employee Benefit Pla_2

Note 9 - Employee Benefit Plans (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Share-Based Payment Arrangement, Restricted Stock Unit, Activity [Table Text Block]	Restricted Stock Awards Weighted- Average Grant Date Fair Value Per Share Restricted Stock Units Weighted- Average Grant Date Fair Value Per Share Outstanding at June 30, 2023 23,044 $ 19.46 9,078 $ 18.74 Granted — — — — Vested (10,283 ) 19.24 (3,027 ) 18.74 Non-vested at June 30, 2024 12,761 $ 19.65 6,051 $ 18.74

Note 10 - Income Taxes (Tables)

Note 10 - Income Taxes (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	2024 2023 Current income taxes $ 2,087 $ 2,344 Deferred income tax benefit (242 ) (96 ) Total income tax expense $ 1,845 $ 2,248
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	2024 2023 Deferred tax assets: Allowance for credit losses $ 1,743 $ 1,622 Deferred compensation 1,026 986 Partnership investment 154 — Deferred income 132 31 Non-accrual loan interest income 22 20 Net unrealized securities loss 7,532 7,964 Other 3 3 Gross deferred tax asset 10,612 10,626 Deferred tax liabilities: Depreciation (776 ) (783 ) Loan fees (663 ) (640 ) FHLB stock dividends (102 ) (102 ) Prepaid expenses (176 ) (150 ) Intangible assets (258 ) (199 ) Gross deferred tax liabilities (1,975 ) (1,874 ) Net deferred asset $ 8,637 $ 8,752
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	2024 2023 Income taxes computed at the statutory rate on pretax income $ 2,189 $ 2,714 Tax exempt income (221 ) (400 ) Cash surrender value income (58 ) (55 ) Affordable housing tax credit (66 ) — Tax credit (16 ) (17 ) Other non-deductible expenses 17 6 Total income tax expense $ 1,845 $ 2,248

Note 11 - Related Party Trans_2

Note 11 - Related Party Transactions (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Related Party Transactions [Table Text Block]	Principal balance, July 1 $ 2,657 New loans, net of refinancing 185 Repayments (729 ) Principal balance, June 30 $ 2,113

Note 12 - Regulatory Matters (T

Note 12 - Regulatory Matters (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Capital Required – Basel III (1) Minimum Required To Be Considered Well Capitalized Amount Ratio Amount Ratio Amount Ratio June 30, 2024 Common equity Tier 1 to risk-weighted assets $ 89.2 11.07 % $ 36.2 4.50 % $ 52.4 6.50 % Tier 1 capital to risk weighted assets 89.2 11.07 48.3 6.00 64.4 8.00 Total capital to risk weighted assets 97.2 12.07 64.4 8.00 80.6 10.00 Tier 1 capital to average assets 89.2 7.98 44.7 4.00 55.9 5.00 Actual Minimum Capital Required - Basel III (1) Minimum Required To Be Considered Well Capitalized Amount Ratio Amount Ratio Amount Ratio June 30, 2023 Common equity Tier 1 to risk-weighted assets $ 83.5 11.05 % $ 34.0 4.50 % $ 49.1 6.50 % Tier 1 capital to risk weighted assets 83.5 11.05 45.4 6.00 60.5 8.00 Total capital to risk weighted assets 91.2 12.07 60.5 8.00 75.6 10.00 Tier 1 capital to average assets 83.5 7.72 43.3 4.00 54.1 5.00

Note 14 - Fair Value (Tables)

Note 14 - Fair Value (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at June 30, 2024 Using Assets: Balance at June 30, 2024 Level 1 Level 2 Level 3 Obligations of U.S. treasury $ 6,252 $ 6,252 $ — — Obligations of U.S. government-sponsored entities and agencies 24,667 — 24,667 — Obligations of states and political subdivisions 77,730 — 77,730 — U.S. government-sponsored mortgage-backed securities - residential 79,367 — 79,367 — U.S. government-sponsored mortgage-backed securities - commercial 6,832 — 6,832 — U.S. government-sponsored collateralized mortgage obligations 54,668 — 54,668 — Other debt securities 15,286 — 15,286 — Equity securities 381 — 381 — Fair Value Measurements at June 30, 2023 Using Assets: Balance at June 30, 2023 Level 1 Level 2 Level 3 Obligations of U.S. treasury $ 8,408 $ 8,408 $ — — Obligations of U.S. government-sponsored entities and agencies 25,692 — 25,692 — Obligations of states 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 50,070 — 50,070 — Other debt securities 15,033 — 15,033 — Equity securities 386 — 386 —
Fair Value, by Balance Sheet Grouping [Table Text Block]	2024 2023 Carrying Estimated Carrying Estimated Financial Assets: Level 1 inputs: Cash and cash equivalents $ 17,723 $ 17,723 $ 11,755 $ 11,755 Level 2 inputs: Certificates of deposit in other financial institutions — — 2,501 2,450 Loans held for sale 908 920 764 774 Accrued interest receivable 3,560 3,560 3,024 3,024 Level 3 inputs: Securities held-to-maturity 6,054 5,530 6,970 6,294 Loans, net 751,184 714,205 702,638 656,737 Financial Liabilities: Level 2 inputs: Demand and savings deposits 718,653 718,653 738,190 738,190 Time deposits 254,327 253,458 214,343 211,856 Short-term borrowings 30,007 30,007 26,367 26,367 Federal Home Loan Bank advances 13,709 12,672 8,776 7,678 Accrued interest payable 915 915 344 344

Note 15 - Affordable Tax Cred_2

Note 15 - Affordable Tax Credit Partnership (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Investments in Affordable Housing Projects [Table Text Block]	June 30, 2024 June 30, 2023 Affordable housing tax credit investment $ 10,250 $ 10,250 Less: amortization (397 ) — Net affordable housing tax credit investment $ 9,853 $ 10,250 Unfunded commitments $ 8,279 $ 9,668 Twelve Months Ended June 30, 2024 2023 Tax credits and other tax benefits recognized $ 463 $ — Proportional amortization expense included in provision for income taxes 397 —

Note 16 - Parent Company Fina_2

Note 16 - Parent Company Financial Statements (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets June 30, June 30, Assets: Cash $ 29 $ 26 Equity securities, at fair value 381 386 Other assets 51 22 Investment in subsidiary 63,349 56,328 Total assets $ 63,810 $ 56,762 Liabilities and Shareholders’ Equity: Short-term borrowings $ — $ 1,200 Other liabilities 125 78 Shareholders’ equity 63,685 55,484 Total liabilities & shareholders’ equity $ 63,810 $ 56,762
Condensed Income Statement [Table Text Block]	Condensed Statements of Income and Comprehensive Income Year Ended Year Ended Cash dividends from Bank subsidiary $ 3,205 $ 1,575 Dividend income 33 33 Net change in market value of equity securities (5 ) (14 ) Other income — 14 Interest expense (43 ) (75 ) Other expense (371 ) (295 ) Income before income taxes and equity in undistributed net income of subsidiary 2,819 1,238 Income tax benefit (84 ) (76 ) Income before equity in undistributed net income of Bank subsidiary 2,903 1,314 Equity in undistributed net income of subsidiary 5,677 9,360 Net income $ 8,580 $ 10,674 Comprehensive income $ 10,209 $ 2,819
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Year Ended Year Ended Cash flows from operating activities: Net income $ 8,580 $ 10,674 Equity in undistributed net income of Bank subsidiary (5,677 ) (9,360 ) Net change in market value of equity securities 5 14 Change in other assets and liabilities 18 (3 ) Net cash flows from operating activities 2,926 1,325 Cash flows from financing activities: Dividends paid (2,246 ) (2,095 ) Restricted stock expense 62 159 Issuance of stock-based incentive plan shares 2 — Net change in short-term borrowings (1,200 ) (70 ) Proceeds from dividend reinvestment and stock purchase plan 264 238 Issuance of treasury stock for stock awards 195 393 Net cash flows from financing activities (2,923 ) (1,375 ) Change in cash and cash equivalents 3 (50 ) Beginning cash and cash equivalents 26 76 Ending cash and cash equivalents $ 29 $ 26

Note 17 - Earnings Per Share (T

Note 17 - Earnings Per Share (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the year Ended June 30, 2024 2023 Basic: Net income available to common shareholders $ 8,580 $ 10,674 Weighted average common shares outstanding 3,109,263 3,090,187 Basic income per share $ 2.76 $ 3.45 Diluted: Net income available to common shareholders $ 8,580 $ 10,674 Weighted average common shares outstanding 3,109,263 3,090,187 Dilutive effect of restricted stock — — Total common shares and dilutive potential common shares 3,109,263 3,090,187 Dilutive income per share $ 2.76 $ 3.45

Note 18 - Accumulated Other C_2

Note 18 - Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2022 $ (27,982 ) $ 5,876 $ (22,106 ) Unrealized holding loss on available-for-sale securities arising during the period $ (9,929 ) $ 2,085 $ (7,844 ) Amounts reclassified from accumulated other comprehensive income (14 ) 3 (11 ) (a)(b) Net current period other comprehensive loss (9,943 ) 2,088 (7,855 ) Balance as of June 30, 2023 $ (37,925 ) $ 7,964 $ (29,961 ) Unrealized holding gain on available-for-sale securities arising during the period $ 1,981 $ (415 ) $ 1,566 Amounts reclassified from accumulated other comprehensive loss 80 (17 ) 63 (a)(b) Net current period other comprehensive income 2,061 (432 ) 1,629 Balance as of June 30, 2024 $ (35,864 ) $ 7,532 $ (28,332 )

Note 19 - Revenue Recognition (

Note 19 - Revenue Recognition (Tables)	12 Months Ended
	Jun. 30, 2024
Notes Tables
Disaggregation of Revenue [Table Text Block]	For the year Ended June 30, 2024 2023 Noninterest income In scope of Topic 606: Service charges on deposit accounts $ 1,684 $ 1,598 Debit card interchange income 2,312 2,181 Other income 387 360 Noninterest income (in scope of Topic 606) 4,383 4,139 Noninterest income (out-of-scope of Topic 606) 513 608 Total noninterest income $ 4,896 $ 4,747

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual) $ in Thousands	12 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)
Number of Reportable Segments	1
Cash Reserve Deposit Required and Made Federal Reserve Banks	$ 0	$ 0
Bank Owned Life Insurance	19,215	19,167
Cash Surrender Value of Life Insurance	$ 10,500	$ 10,222
Software and Software Development Costs [Member]
Property, Plant and Equipment, Useful Life (Year)	3 years
Building [Member]
Property, Plant and Equipment, Useful Life (Year)	39 years 6 months

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) $ in Thousands		12 Months Ended
		Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	[1],[2]	$ (17)	$ 3
Debt Securities, Available-for-Sale, Restricted		$ 153,908	137,896
Available-for-sale, Qualitative Disclosure, Number of Positions		410
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions		385
Held-to-maturity, Qualitative Disclosure, Number of Positions		4
Equity Securities, FV-NI, Cost		$ 400
Equity Securities, FV-NI, Realized Gain (Loss)		$ 0	$ 0
[1]Income tax expense[2]Securities gain, net

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	Jun. 30, 2024	Jun. 30, 2023
Available-for-sale securities, amortized cost	$ 300,666	$ 317,530
Held-to-maturity, amortized cost	6,054	6,970
Available-for-sale securities, gross unrealized gains	142	90
Available-for-sale securities, gross unrealized losses	(36,006)	(38,015)
Available-for-sale securities, fair value	264,802	279,605
Held-to-maturity, fair value	5,530	6,294
US Treasury Securities [Member]
Available-for-sale securities, amortized cost	6,471	8,941
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(219)	(533)
Available-for-sale securities, fair value	6,252	8,408
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, amortized cost	85,917	92,891
Held-to-maturity, amortized cost	6,054	6,970
Available-for-sale securities, gross unrealized gains	46	63
Held-to-maturity, gross unrecognized gains	0	0
Available-for-sale securities, gross unrealized losses	(8,233)	(8,982)
Held-to-maturity, gross unrecognized losses	(524)	(676)
Available-for-sale securities, fair value	77,730	83,972
Held-to-maturity, fair value	5,530	6,294
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale securities, amortized cost	28,019	29,430
Available-for-sale securities, gross unrealized gains	4	7
Available-for-sale securities, gross unrealized losses	(3,356)	(3,745)
Available-for-sale securities, fair value	24,667	25,692
Residential Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	94,303	104,689
Available-for-sale securities, gross unrealized gains	0	12
Available-for-sale securities, gross unrealized losses	(14,936)	(15,066)
Available-for-sale securities, fair value	79,367	89,635
Commercial Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	8,584	8,604
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(1,752)	(1,809)
Available-for-sale securities, fair value	6,832	6,795
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, amortized cost	60,333	55,800
Available-for-sale securities, gross unrealized gains	92	8
Available-for-sale securities, gross unrealized losses	(5,757)	(5,738)
Available-for-sale securities, fair value	54,668	50,070
Other Debt Obligations [Member]
Available-for-sale securities, amortized cost	17,039	17,175
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(1,753)	(2,142)
Available-for-sale securities, fair value	$ 15,286	$ 15,033

Note 2 - Securities - Proceeds

Note 2 - Securities - Proceeds From Sales and Calls of Available-for-sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Proceeds from sales	$ 8,092	$ 16,472
Gross realized gains	14	87
Gross realized losses	$ (94)	$ (73)

Note 2 - Securities - Amortiz_2

Note 2 - Securities - Amortized Cost and Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$ 10,882
Due in one year or less, Net Carrying Amount	43
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value	10,768
Due in one year or less, Fair Value	42
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	27,808
Due after one year through five years, Net Carrying Amount	2,303
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	26,073
Due after one year through five years, Fair Value	2,229
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	47,465
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount	3,708
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	42,536
Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value	3,259
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	51,291
Held-to-maturity Securities	6,054	$ 6,970
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	44,558
Held-to-maturity Securities, Fair Value	5,530	6,294
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis	137,446
Available-for-sale Securities, Debt Maturities, Single Maturity Date	123,935
Total available-for-sale securities, Amortized Cost Basis	300,666	317,530
Total available-for-sale securities	264,802	$ 279,605
U.S. Government-sponsored Mortgage-backed and Related Securities [Member]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	163,220
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	$ 140,867

Note 2 - Securities - Securitie

Note 2 - Securities - Securities With Unrealized and Unrecognized Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 19,636	$ 42,390
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(251)	(1,076)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	229,287	228,398
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(35,755)	(36,939)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	248,923	270,788
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(36,006)	(38,015)
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	6,252	8,408
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(219)	(533)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,252	8,408
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(219)	(533)
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	8,110	16,009
Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(148)	(344)
Held-to-maturity, 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	63,612	62,492
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	5,530	6,294
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(8,085)	(8,638)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Aggregate Loss	(524)	(676)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	71,722	78,501
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Fair Value	5,530	6,294
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(8,233)	(8,982)
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss	(524)	(676)
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	153	1,008
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(4)	(10)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	22,899	23,551
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(3,352)	(3,735)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	23,052	24,559
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(3,356)	(3,745)
Residential Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	1,010	3,334
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(3)	(84)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	78,357	85,096
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(14,933)	(14,982)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	79,367	88,430
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(14,936)	(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	6,832	6,795
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,752)	(1,809)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,832	6,795
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1,752)	(1,809)
Collateralized Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	10,363	22,039
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(96)	(638)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	36,049	27,023
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(5,661)	(5,100)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	46,412	49,062
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(5,757)	(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	15,286	15,033
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,753)	(2,142)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	15,286	15,033
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (1,753)	$ (2,142)

Note 2 - Securities - Unrealize

Note 2 - Securities - Unrealized Gains and Losses on Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Unrealized loss recognized on equity securities held at the end of the period	$ (5)	$ (14)
Equity Securities [Member]
Total unrealized losses recognized on equity securities still held at the reporting date	$ (19)	$ (14)

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Credit Losses (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Nonaccrual	$ 774	$ 54
Interest Receivable		1,598
Financing Receivable, Modified, Accumulated		351
Financial Asset, Not Past Due [Member]
Nonaccrual	187
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Nonaccrual	$ 587	$ 54

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Credit Losses - Major Classifications (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2022
Gross loans	$ 759,030	$ 710,104
Unamortized deferred loan costs, net	84	258
Less allowance for credit losses	(7,930)	(7,724)	$ (7,160)
Net loans	751,184	702,638
Commercial Portfolio Segment [Member]
Gross loans	127,782	112,558
Less allowance for credit losses		(1,308)	(960)
Commercial Real Estate Portfolio Segment [Member]
Less allowance for credit losses	(3,650)	(3,943)	(3,927)
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Gross loans	163,856	151,005
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Gross loans	146,827	140,002
Farmland [Member]
Gross loans	38,898	40,606
Less allowance for credit losses	(89)	0
Land Development [Member]
Gross loans	12,654	11,004
Less allowance for credit losses	(174)	0
Residential Portfolio Segment [Member]
Gross loans	196,098	189,312
Less allowance for credit losses	(2,018)	(1,571)	(1,645)
Consumer Portfolio Segment [Member]
Gross loans	72,915	65,617
Less allowance for credit losses	$ (855)	$ (902)	$ (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	12 Months Ended
	Sep. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Balance	$ 7,724	$ 7,724	$ 7,160
Nonaccrual, No Allowance		502
Individually evaluated for impairment			0
Nonaccrual		774	54
Nonaccrual, Interest Income		82
Provision for expected credit losses		556	855
Charge-offs		(566)	(447)
Recoveries		164	156
Total ending allowance balance		7,930	7,724
Balance		7,930	7,724
Loans individually evaluated for impairment			405
Total ending loans balance		759,114	711,960
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	52	52
Total ending allowance balance			52
Balance			52
Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment			114
Acquired loans collectively evaluated for impairment			31,843
Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment			7,610
Acquired loans collectively evaluated for impairment			679,712
Commercial & Industrial [Member]
Balance	1,308	1,308
Nonaccrual, No Allowance		51
Nonaccrual		308
Nonaccrual, Interest Income		0
Provision for expected credit losses		297
Charge-offs		(6)
Recoveries		0
Total ending allowance balance		1,144	1,308
Balance		1,144	1,308
Commercial & Industrial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	(455)	(455)
Total ending allowance balance			(455)
Balance			(455)
Commercial Portfolio Segment [Member]
Balance	1,308	1,308	960
Individually evaluated for impairment			0
Provision for expected credit losses			348
Charge-offs	(6)		0
Recoveries			0
Total ending allowance balance			1,308
Balance			1,308
Loans individually evaluated for impairment			314
Total ending loans balance	127,811	127,811	112,826
Commercial Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment			0
Acquired loans collectively evaluated for impairment			622
Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment			1,308
Acquired loans collectively evaluated for impairment			111,890
Commercial Real Estate Portfolio Segment [Member]
Balance	3,943	3,943	3,927
Individually evaluated for impairment			0
Provision for expected credit losses		(240)	15
Charge-offs		0	0
Recoveries		0	1
Total ending allowance balance		3,650	3,943
Balance		3,650	3,943
Loans individually evaluated for impairment			88
Total ending loans balance			342,701
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	(53)	(53)
Total ending allowance balance			(53)
Balance			(53)
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment			40
Acquired 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
Acquired loans collectively evaluated for impairment			335,660
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Nonaccrual, No Allowance		189
Nonaccrual		189
Nonaccrual, Interest Income		75
Charge-offs	0
Total ending loans balance	163,543	163,543
Residential Portfolio Segment [Member]
Balance	1,571	1,571	1,645
Nonaccrual, No Allowance		262
Individually evaluated for impairment			0
Nonaccrual		277
Nonaccrual, Interest Income		7
Provision for expected credit losses		277	(72)
Charge-offs		0	(6)
Recoveries		4	4
Total ending allowance balance		2,018	1,571
Balance		2,018	1,571
Loans individually evaluated for impairment			3
Total ending loans balance		197,143	190,839
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	166	166
Total ending allowance balance			166
Balance			166
Residential Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment			74
Acquired loans collectively evaluated for impairment			23,038
Residential Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment			1,497
Acquired loans collectively evaluated for impairment			167,798
Residential Portfolio Segment [Member] | Owner Occupied Loans [Member]
Total ending loans balance			158,437
Consumer Portfolio Segment [Member]
Balance	902	902	628
Individually evaluated for impairment			0
Provision for expected credit losses		450	564
Charge-offs		(560)	(441)
Recoveries		160	151
Total ending allowance balance		855	902
Balance		855	902
Loans individually evaluated for impairment			0
Total ending loans balance		72,674	65,594
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	(97)	(97)
Total ending allowance balance			(97)
Balance			(97)
Consumer Portfolio Segment [Member] | Financial Asset Acquired [Member]
Acquired loans collectively evaluated for impairment			0
Acquired loans collectively evaluated for impairment			1,230
Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]
Acquired loans collectively evaluated for impairment			902
Acquired loans collectively evaluated for impairment			64,364
Farmland [Member]
Balance	0	0
Provision for expected credit losses		(4)
Charge-offs	0	0
Recoveries		0
Total ending allowance balance		89	0
Balance		89	0
Total ending loans balance	38,799	38,799
Farmland [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	93	93
Total ending allowance balance			93
Balance			93
Land Development [Member]
Balance	0	0
Provision for expected credit losses		(224)
Charge-offs	0	0
Recoveries		0
Total ending allowance balance		174	0
Balance		174	0
Total ending loans balance	12,615	12,615
Land Development [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	$ 398	$ 398
Total ending allowance balance			398
Balance			$ 398

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Credit Losses - Non-accrual Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Nonaccrual	$ 774	$ 54
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Nonaccrual		51
Residential Portfolio Segment [Member]
Nonaccrual	$ 277
Residential Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Nonaccrual		$ 3

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Credit Losses - Loans Past Due (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023	Jun. 30, 2023
Recorded investment	$ 759,114		$ 711,960
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	84		50
Recorded investment	759,114		711,960
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	84		50
Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	1,180		455
Recorded investment	1,180		455
Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	98		244
Recorded investment	98		244
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	671		104
Recorded investment	671		104
Financial Asset, Past Due [Member]
Recorded investment	1,949		803
Recorded investment	1,949		803
Financial Asset, Not Past Due [Member]
Recorded investment	757,165		711,157
Recorded investment	757,165		711,157
Commercial Portfolio Segment [Member]
Recorded investment	127,811	$ 127,811	112,826
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0		0
Recorded investment	127,811	127,811	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	0		0
Recorded investment	0		0
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0		0
Recorded investment	0		0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	308		0
Recorded investment	308		0
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	308		0
Recorded investment	308		0
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	127,503		112,826
Recorded investment	127,503		112,826
Commercial Real Estate Portfolio Segment [Member]
Recorded investment			342,701
Recorded investment			342,701
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
Recorded investment			23,996
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Recorded investment	163,543	163,543
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Recorded investment	163,543	163,543
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	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
Recorded investment			318,705
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	146,529	146,529
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Recorded investment	146,529	146,529
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] | Construction Loans [Member]
Recorded investment			0
Recorded investment			0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	311
Recorded investment	311
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment			0
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
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Recorded investment			0
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
Recorded investment	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
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
Recorded investment	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
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	189
Recorded investment	189
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
Recorded investment			51
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
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Construction Loans [Member]
Recorded investment			0
Recorded investment			0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	500
Recorded investment	500
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment			51
Recorded investment			51
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Construction Loans [Member]
Recorded investment			23,996
Recorded investment			23,996
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	163,043
Recorded investment	163,043
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Other Commercial Real Estate Loans [Member]
Recorded investment			318,654
Recorded investment			318,654
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	146,529
Recorded investment	146,529
Residential Portfolio Segment [Member]
Recorded investment	197,143		190,839
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	68
Recorded investment	197,143		190,839
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	68
Residential Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment			8,514
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Recorded investment			8,514
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Residential Portfolio Segment [Member] | Owner Occupied Loans [Member]
Recorded investment			158,437
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Recorded investment			158,437
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Residential Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Recorded investment			23,888
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Recorded investment			23,888
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	294
Recorded investment	294
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment			17
Recorded investment			17
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0
Recorded investment	0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment			124
Recorded investment			124
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	158
Recorded investment	158
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment			3
Recorded investment			3
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	452
Recorded investment	452
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Construction Loans [Member]
Recorded investment			0
Recorded investment			0
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment			141
Recorded investment			141
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment			3
Recorded investment			3
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	196,691
Recorded investment	196,691
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Construction Loans [Member]
Recorded investment			8,514
Recorded investment			8,514
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment			158,296
Recorded investment			158,296
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment			23,885
Recorded investment			23,885
Farmland [Member]
Recorded investment	38,799	38,799
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Recorded investment	38,799	38,799
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
Recorded investment	0
Farmland [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0
Recorded investment	0
Farmland [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0
Recorded investment	0
Farmland [Member] | Financial Asset, Past Due [Member]
Recorded investment	0
Recorded investment	0
Farmland [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	38,799
Recorded investment	38,799
Consumer Portfolio Segment [Member]
Recorded investment	72,674		65,594
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	16		50
Recorded investment	72,674		65,594
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	16		50
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	575		438
Recorded investment	575		438
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	98		120
Recorded investment	98		120
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	16		50
Recorded investment	16		50
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	689		608
Recorded investment	689		608
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	71,985		64,986
Recorded investment	71,985		$ 64,986
Land Development [Member]
Recorded investment	12,615	12,615
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0
Recorded investment	12,615	$ 12,615
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
Recorded investment	0
Land Development [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0
Recorded investment	0
Land Development [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0
Recorded investment	0
Land Development [Member] | Financial Asset, Past Due [Member]
Recorded investment	0
Recorded investment	0
Land Development [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	12,615
Recorded investment	$ 12,615

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	12 Months Ended
	Sep. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, gross		$ 759,114	$ 711,960
Recorded investment		759,114	711,960
Allowance for Credit Loss, Writeoff		566	447
Pass [Member]
Financing Receivable, gross			474,662
Recorded investment			474,662
Special Mention [Member]
Financing Receivable, gross			8,321
Recorded investment			8,321
Substandard [Member]
Financing Receivable, gross			1,163
Recorded investment			1,163
Doubtful [Member]
Financing Receivable, gross			54
Recorded investment			54
Not Rated [Member]
Financing Receivable, gross			227,760
Recorded investment			227,760
Commercial Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	$ 43,691
Financing Receivable, gross	127,811	127,811	112,826
Year Two, Originated, Fiscal Year before Current Fiscal Year	24,330
Year Three, Originated, Two Years before Current Fiscal Year	29,157
Year Four, Originated, Three Years before Current Fiscal Year	7,390
Year Five, Originated, Four Years before Current Fiscal Year	3,448
Originated, More than Five Years before Current Fiscal Year	4,015
Revolving	15,687
Revolving, Converted to Term Loan	93
Recorded investment	127,811	127,811	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	6
Revolving, Writeoff	0
Revolving, Converted to Term Loan, Writeoff	0
Allowance for Credit Loss, Writeoff	6		0
Commercial Portfolio Segment [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	43,540
Financing Receivable, gross	126,124		110,928
Year Two, Originated, Fiscal Year before Current Fiscal Year	24,263
Year Three, Originated, Two Years before Current Fiscal Year	28,588
Year Four, Originated, Three Years before Current Fiscal Year	7,370
Year Five, Originated, Four Years before Current Fiscal Year	3,448
Originated, More than Five Years before Current Fiscal Year	3,954
Revolving	14,868
Revolving, Converted to Term Loan	93
Recorded investment	126,124		110,928
Commercial Portfolio Segment [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	151
Financing Receivable, gross	1,615		1,174
Year Two, Originated, Fiscal Year before Current Fiscal Year	67
Year Three, Originated, Two Years before Current Fiscal Year	569
Year Four, Originated, Three Years before Current Fiscal Year	12
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	61
Revolving	755
Revolving, Converted to Term Loan	0
Recorded investment	1,615		1,174
Commercial Portfolio Segment [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	8		573
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	8
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	8		573
Commercial Portfolio Segment [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	64		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	64
Revolving, Converted to Term Loan	0
Recorded investment	64		0
Commercial Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, gross			151
Recorded investment			151
Residential Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year		16,675
Financing Receivable, gross		197,143	190,839
Year Two, Originated, Fiscal Year before Current Fiscal Year		23,451
Year Three, Originated, Two Years before Current Fiscal Year		30,134
Year Four, Originated, Three Years before Current Fiscal Year		54,816
Year Five, Originated, Four Years before Current Fiscal Year		18,891
Originated, More than Five Years before Current Fiscal Year		28,860
Revolving		24,235
Revolving, Converted to Term Loan		81
Recorded investment		197,143	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	6
Residential Portfolio Segment [Member] | Construction Loans [Member]
Financing Receivable, gross			8,514
Recorded investment			8,514
Residential Portfolio Segment [Member] | Owner Occupied Loans [Member]
Financing Receivable, gross			158,437
Recorded investment			158,437
Residential Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, gross			23,888
Recorded investment			23,888
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year		16,675
Financing Receivable, gross		196,798
Year Two, Originated, Fiscal Year before Current Fiscal Year		23,451
Year Three, Originated, Two Years before Current Fiscal Year		29,857
Year Four, Originated, Three Years before Current Fiscal Year		54,816
Year Five, Originated, Four Years before Current Fiscal Year		18,891
Originated, More than Five Years before Current Fiscal Year		28,792
Revolving		24,235
Revolving, Converted to Term Loan		81
Recorded investment		196,798
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year		0
Financing Receivable, gross		345
Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Year Three, Originated, Two Years before Current Fiscal Year		277
Year Four, Originated, Three Years before Current Fiscal Year		0
Year Five, Originated, Four Years before Current Fiscal Year		0
Originated, More than Five Years before Current Fiscal Year		68
Revolving		0
Revolving, Converted to Term Loan		0
Recorded investment		345
Residential Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Financing Receivable, gross			3,227
Recorded investment			3,227
Residential Portfolio Segment [Member] | Pass [Member] | Owner Occupied Loans [Member]
Financing Receivable, gross			2,013
Recorded investment			2,013
Residential Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, gross			23,474
Recorded investment			23,474
Residential Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Residential Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Residential Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, gross			50
Recorded investment			50
Residential Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Residential Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Loans [Member]
Financing Receivable, gross			17
Recorded investment			17
Residential Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, gross			105
Recorded investment			105
Residential Portfolio Segment [Member] | Doubtful [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Residential Portfolio Segment [Member] | Doubtful [Member] | Owner Occupied Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Residential Portfolio Segment [Member] | Doubtful [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, gross			3
Recorded investment			3
Residential Portfolio Segment [Member] | Not Rated [Member] | Construction Loans [Member]
Financing Receivable, gross			5,287
Recorded investment			5,287
Residential Portfolio Segment [Member] | Not Rated [Member] | Owner Occupied Loans [Member]
Financing Receivable, gross			156,407
Recorded investment			156,407
Residential Portfolio Segment [Member] | Not Rated [Member] | Non-owner Occupied Loans [Member]
Financing Receivable, gross			256
Recorded investment			256
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, gross			342,701
Recorded investment			342,701
Allowance for Credit Loss, Writeoff		0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Financing Receivable, gross			23,996
Recorded investment			23,996
Commercial Real Estate Portfolio Segment [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, gross			318,705
Recorded investment			318,705
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	16,207
Financing Receivable, gross	163,543	163,543
Year Two, Originated, Fiscal Year before Current Fiscal Year	20,615
Year Three, Originated, Two Years before Current Fiscal Year	34,572
Year Four, Originated, Three Years before Current Fiscal Year	22,069
Year Five, Originated, Four Years before Current Fiscal Year	15,197
Originated, More than Five Years before Current Fiscal Year	43,048
Revolving	11,835
Revolving, Converted to Term Loan	0
Recorded investment	163,543	163,543
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	16,395
Financing Receivable, gross	146,529	146,529
Year Two, Originated, Fiscal Year before Current Fiscal Year	37,241
Year Three, Originated, Two Years before Current Fiscal Year	22,324
Year Four, Originated, Three Years before Current Fiscal Year	23,564
Year Five, Originated, Four Years before Current Fiscal Year	11,616
Originated, More than Five Years before Current Fiscal Year	34,570
Revolving	819
Revolving, Converted to Term Loan	0
Recorded investment	146,529	146,529
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, gross			23,996
Recorded investment			23,996
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, gross			310,427
Recorded investment			310,427
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	16,207
Financing Receivable, gross	160,395
Year Two, Originated, Fiscal Year before Current Fiscal Year	20,615
Year Three, Originated, Two Years before Current Fiscal Year	34,572
Year Four, Originated, Three Years before Current Fiscal Year	21,405
Year Five, Originated, Four Years before Current Fiscal Year	14,877
Originated, More than Five Years before Current Fiscal Year	41,035
Revolving	11,684
Revolving, Converted to Term Loan	0
Recorded investment	160,395
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	16,395
Financing Receivable, gross	146,529
Year Two, Originated, Fiscal Year before Current Fiscal Year	37,241
Year Three, Originated, Two Years before Current Fiscal Year	22,324
Year Four, Originated, Three Years before Current Fiscal Year	23,564
Year Five, Originated, Four Years before Current Fiscal Year	11,616
Originated, More than Five Years before Current Fiscal Year	34,570
Revolving	819
Revolving, Converted to Term Loan	0
Recorded investment	146,529
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, gross			7,097
Recorded investment			7,097
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	2,829
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	650
Year Five, Originated, Four Years before Current Fiscal Year	320
Originated, More than Five Years before Current Fiscal Year	1,708
Revolving	151
Revolving, Converted to Term Loan	0
Recorded investment	2,829
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, gross			468
Recorded investment			468
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	254
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	254
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	254
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, gross			51
Recorded investment			51
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	65
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	14
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	51
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	65
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member] | Construction Loans [Member]
Financing Receivable, gross			0
Recorded investment			0
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member] | Other Commercial Real Estate Loans [Member]
Financing Receivable, gross			662
Recorded investment			662
Consumer Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year		29,808
Financing Receivable, gross		72,674	65,594
Year Two, Originated, Fiscal Year before Current Fiscal Year		25,179
Year Three, Originated, Two Years before Current Fiscal Year		12,430
Year Four, Originated, Three Years before Current Fiscal Year		4,241
Year Five, Originated, Four Years before Current Fiscal Year		586
Originated, More than Five Years before Current Fiscal Year		236
Revolving		194
Revolving, Converted to Term Loan		0
Recorded investment		72,674	65,594
Year One, Originated, Current Fiscal Year, Writeoff		63
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		140
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		265
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		56
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		35
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		560	441
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year		29,800
Financing Receivable, gross		72,658
Year Two, Originated, Fiscal Year before Current Fiscal Year		25,179
Year Three, Originated, Two Years before Current Fiscal Year		12,422
Year Four, Originated, Three Years before Current Fiscal Year		4,241
Year Five, Originated, Four Years before Current Fiscal Year		586
Originated, More than Five Years before Current Fiscal Year		236
Revolving		194
Revolving, Converted to Term Loan		0
Recorded investment		72,658
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year		8
Financing Receivable, gross		16
Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Year Three, Originated, Two Years before Current Fiscal Year		8
Year Four, Originated, Three Years before Current Fiscal Year		0
Year Five, Originated, Four Years before Current Fiscal Year		0
Originated, More than Five Years before Current Fiscal Year		0
Revolving		0
Revolving, Converted to Term Loan		0
Recorded investment		16
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, gross			597
Recorded investment			597
Consumer Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, gross			0
Recorded investment			0
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, gross			0
Recorded investment			0
Consumer Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, gross			0
Recorded investment			0
Consumer Portfolio Segment [Member] | Not Rated [Member]
Financing Receivable, gross			64,997
Recorded investment			$ 64,997
Residential Rea Estate and Consumer Segments [Member]
Year One, Originated, Current Fiscal Year		46,483
Financing Receivable, gross		269,817
Year Two, Originated, Fiscal Year before Current Fiscal Year		48,630
Year Three, Originated, Two Years before Current Fiscal Year		42,564
Year Four, Originated, Three Years before Current Fiscal Year		59,057
Year Five, Originated, Four Years before Current Fiscal Year		19,477
Originated, More than Five Years before Current Fiscal Year		29,096
Revolving		24,429
Revolving, Converted to Term Loan		81
Recorded investment		269,817
Residential Rea Estate and Consumer Segments [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year		46,475
Financing Receivable, gross		269,456
Year Two, Originated, Fiscal Year before Current Fiscal Year		48,630
Year Three, Originated, Two Years before Current Fiscal Year		42,279
Year Four, Originated, Three Years before Current Fiscal Year		59,057
Year Five, Originated, Four Years before Current Fiscal Year		19,477
Originated, More than Five Years before Current Fiscal Year		29,028
Revolving		24,429
Revolving, Converted to Term Loan		81
Recorded investment		269,456
Residential Rea Estate and Consumer Segments [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year		8
Financing Receivable, gross		361
Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Year Three, Originated, Two Years before Current Fiscal Year		285
Year Four, Originated, Three Years before Current Fiscal Year		0
Year Five, Originated, Four Years before Current Fiscal Year		0
Originated, More than Five Years before Current Fiscal Year		68
Revolving		0
Revolving, Converted to Term Loan		0
Recorded investment		361
Farmland [Member]
Year One, Originated, Current Fiscal Year	1,543
Financing Receivable, gross	38,799	38,799
Year Two, Originated, Fiscal Year before Current Fiscal Year	5,854
Year Three, Originated, Two Years before Current Fiscal Year	5,867
Year Four, Originated, Three Years before Current Fiscal Year	5,309
Year Five, Originated, Four Years before Current Fiscal Year	2,280
Originated, More than Five Years before Current Fiscal Year	16,602
Revolving	1,201
Revolving, Converted to Term Loan	143
Recorded investment	38,799	38,799
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	1,543
Financing Receivable, gross	38,788
Year Two, Originated, Fiscal Year before Current Fiscal Year	5,854
Year Three, Originated, Two Years before Current Fiscal Year	5,867
Year Four, Originated, Three Years before Current Fiscal Year	5,309
Year Five, Originated, Four Years before Current Fiscal Year	2,280
Originated, More than Five Years before Current Fiscal Year	16,591
Revolving	1,201
Revolving, Converted to Term Loan	143
Recorded investment	38,788
Farmland [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	11
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	11
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	11
Farmland [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Farmland [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Land Development [Member]
Year One, Originated, Current Fiscal Year	4,449
Financing Receivable, gross	12,615	12,615
Year Two, Originated, Fiscal Year before Current Fiscal Year	2,005
Year Three, Originated, Two Years before Current Fiscal Year	353
Year Four, Originated, Three Years before Current Fiscal Year	512
Year Five, Originated, Four Years before Current Fiscal Year	285
Originated, More than Five Years before Current Fiscal Year	504
Revolving	4,507
Revolving, Converted to Term Loan	0
Recorded investment	12,615	12,615
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	4,449
Financing Receivable, gross	12,615
Year Two, Originated, Fiscal Year before Current Fiscal Year	2,005
Year Three, Originated, Two Years before Current Fiscal Year	353
Year Four, Originated, Three Years before Current Fiscal Year	512
Year Five, Originated, Four Years before Current Fiscal Year	285
Originated, More than Five Years before Current Fiscal Year	504
Revolving	4,507
Revolving, Converted to Term Loan	0
Recorded investment	12,615
Land Development [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Land Development [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Land Development [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	0
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	0
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	0
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member]
Year One, Originated, Current Fiscal Year	82,285
Financing Receivable, gross	489,297
Year Two, Originated, Fiscal Year before Current Fiscal Year	90,045
Year Three, Originated, Two Years before Current Fiscal Year	92,273
Year Four, Originated, Three Years before Current Fiscal Year	58,844
Year Five, Originated, Four Years before Current Fiscal Year	32,826
Originated, More than Five Years before Current Fiscal Year	98,739
Revolving	34,049
Revolving, Converted to Term Loan	236
Recorded investment	489,297
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	82,134
Financing Receivable, gross	484,451
Year Two, Originated, Fiscal Year before Current Fiscal Year	89,978
Year Three, Originated, Two Years before Current Fiscal Year	91,704
Year Four, Originated, Three Years before Current Fiscal Year	58,160
Year Five, Originated, Four Years before Current Fiscal Year	32,506
Originated, More than Five Years before Current Fiscal Year	96,654
Revolving	33,079
Revolving, Converted to Term Loan	236
Recorded investment	484,451
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	151
Financing Receivable, gross	4,455
Year Two, Originated, Fiscal Year before Current Fiscal Year	67
Year Three, Originated, Two Years before Current Fiscal Year	569
Year Four, Originated, Three Years before Current Fiscal Year	662
Year Five, Originated, Four Years before Current Fiscal Year	320
Originated, More than Five Years before Current Fiscal Year	1,780
Revolving	906
Revolving, Converted to Term Loan	0
Recorded investment	4,455
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	262
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	8
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	254
Revolving	0
Revolving, Converted to Term Loan	0
Recorded investment	262
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0
Financing Receivable, gross	129
Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Year Three, Originated, Two Years before Current Fiscal Year	0
Year Four, Originated, Three Years before Current Fiscal Year	14
Year Five, Originated, Four Years before Current Fiscal Year	0
Originated, More than Five Years before Current Fiscal Year	51
Revolving	64
Revolving, Converted to Term Loan	0
Recorded investment	$ 129

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Credit Losses - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023	Jun. 30, 2023	Jun. 30, 2022
Recorded investment	$ 759,114		$ 711,960
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	7,930		7,724	$ 7,160
Real Estate [Member]
Recorded investment	189
Other Pledged Collateral [Member]
Recorded investment	257
Collateral Pledged [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	67
Commercial Portfolio Segment [Member]
Recorded investment	127,811	$ 127,811	112,826
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss			1,308	960
Commercial Portfolio Segment [Member] | Real Estate [Member]
Recorded investment	0
Commercial Portfolio Segment [Member] | Other Pledged Collateral [Member]
Recorded investment	257
Commercial Portfolio Segment [Member] | Collateral Pledged [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	67
Commercial Real Estate Portfolio Segment [Member]
Recorded investment			342,701
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	3,650		$ 3,943	$ 3,927
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member]
Recorded investment	189
Commercial Real Estate Portfolio Segment [Member] | Other Pledged Collateral [Member]
Recorded investment	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	$ 0

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Credit Losses - Impaired Loans (Details) $ in Thousands	12 Months Ended
	Jun. 30, 2023 USD ($)
Impaired Financing Receivable, Related Allowance	$ 0
Impaired Financing Receivable, Related Allowance	0
Impaired Financing Receivable, Unpaid Principal Balance	558
Impaired Financing Receivable, Recorded Investment	405
Impaired Financing Receivable, Average Recorded Investment	425
Impaired Financing Receivable, Interest Income, Accrual Method	45
Impaired Financing Receivable, Interest Income, Cash Basis Method	45
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, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	306
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	37
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	37
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	404
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	314
Impaired Financing Receivable, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	306
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	37
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	37
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, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	52
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	6
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	6
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	127
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	88
Impaired Financing Receivable, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	52
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	6
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	6
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, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	38
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	2
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	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, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	38
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	2
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	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, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	29
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	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, Related Allowance	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	29
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	$ 0

Note 4 - Premises and Equipme_3

Note 4 - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Depreciation	$ 1,095	$ 1,051
Operating Lease, Weighted Average Remaining Lease Term (Year)	7 years 3 months
Operating Lease, Weighted Average Discount Rate, Percent	1.94%
Operating Lease, Expense	$ 245	$ 254
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises and equipment, net
Operating Lease, Right-of-Use Asset	$ 777
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities
Operating Lease, Liability	$ 809

Note 4 - Premises and Equipme_4

Note 4 - Premises and Equipment - Major Classifications of Premises and Equipment (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Premises and equipment, gross	$ 27,244	$ 26,404
Accumulated depreciation and amortization	(10,317)	(9,222)
Premises and equipment, net	16,927	17,182
Land [Member]
Premises and equipment, gross	2,417	2,417
Land Improvements [Member]
Premises and equipment, gross	472	414
Building And Leasehold Improvements [Member]
Premises and equipment, gross	15,944	15,973
Furniture and Fixtures [Member]
Premises and equipment, gross	$ 8,411	$ 7,600

Note 4 - Premises and Equipme_5

Note 4 - Premises and Equipment - Maturities of Lease Liabilities (Details) $ in Thousands	Jun. 30, 2024 USD ($)
2025	$ 163
2026	125
2027	115
2028	115
2029	88
Thereafter	255
Total undiscounted cash flows	861
Less: present value discount	$ (52)
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities
Operating Lease, Liability	$ 809

Note 5 - Goodwill and Acquire_3

Note 5 - Goodwill and Acquired Intangible Assets (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Goodwill	$ 2,452	$ 2,452
Goodwill, Impairment Loss	0
Amortization of Intangible Assets	57	$ 56
Finite-Lived Intangible Asset, Expected Amortization, Year One	57
Finite-Lived Intangible Asset, Expected Amortization, Year Two	57
Finite-Lived Intangible Asset, Expected Amortization, Year Three	57
Finite-Lived Intangible Asset, Expected Amortization, Year Four	57
Finite-Lived Intangible Asset, Expected Amortization, after Year Four	$ 129
Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)	10 years

Note 5 - Goodwill and Acquire_4

Note 5 - Goodwill and Acquired Intangible Assets - Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Core deposit intangible	$ 565	$ 565
Core Deposits [Member]
Core deposit intangible	$ 208	$ 151

Note 6 - Deposits - Interest-be

Note 6 - Deposits - Interest-bearing Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Interest bearing demand	$ 142,261	$ 152,053
Savings and money market	351,305	335,231
$250 and over	59,233	46,822
Other	195,094	167,521
Total	$ 747,893	$ 701,627

Note 6 - Deposits - Maturities

Note 6 - Deposits - Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
2025	$ 243,472
2026	8,842
2027	1,240
2028	411
2029	271
Thereafter	91
Total	$ 254,327	$ 214,343

Note 7 - Short-term Borrowing_2

Note 7 - Short-term Borrowings (Details Textual) - USD ($)	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Interest Expense, Short-Term Borrowings	$ 702,000	$ 397,000
Unsecured Debt [Member]
Line of Credit Facility, Maximum Borrowing Capacity		5,000,000
Long-Term Line of Credit	0	$ 1,200,000
Federal Reserve Bank's Bank Term Funding Program [Member]
Debt Instrument, Face Amount	$ 10,000

Note 7 - Short-term Borrowing_3

Note 7 - Short-term Borrowings - Summary of Short-term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Short-term borrowings	$ 30,007	$ 26,367
Average balance during the year	27,041	22,603
Maximum month-end balance	$ 36,902	$ 26,367
Average interest rate during the year	2.60%	1.76%
Weighted average rate, June 30	2.97%	2.20%

Note 8 - Short-term Borrowings

Note 8 - Short-term Borrowings - Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Securities, available-for-sale	$ 264,802	$ 279,605
Repurchase agreements	18,307	23,783
Asset Pledged as Collateral [Member] | Securities Sold under Agreements to Repurchase [Member]
Securities, available-for-sale	25,147	27,019
US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	24,667	25,692
US Government-sponsored Enterprises Debt Securities [Member] | Asset Pledged as Collateral [Member] | Securities Sold under Agreements to Repurchase [Member]
Securities, available-for-sale	3,835	3,730
Residential Mortgage-Backed Securities [Member]
Securities, available-for-sale	79,367	89,635
Residential Mortgage-Backed Securities [Member] | Asset Pledged as Collateral [Member] | Securities Sold under Agreements to Repurchase [Member]
Securities, available-for-sale	17,911	19,648
Commercial Mortgage-Backed Securities [Member]
Securities, available-for-sale	6,832	6,795
Commercial Mortgage-Backed Securities [Member] | Asset Pledged as Collateral [Member] | Securities Sold under Agreements to Repurchase [Member]
Securities, available-for-sale	$ 3,401	$ 3,641

Note 8 - Federal Home Loan Ba_3

Note 8 - Federal Home Loan Bank Advances (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Prepayment Penalty for Advances Received, Percentage of Lost Cash Flow	100%
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	$ 99,814
First Mortgage Loans [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 182,257	$ 169,993

Note 8 - Federal Home Loan Ba_4

Note 8 - Federal Home Loan Bank Advances - Summary of Federal Home Loan Bank (FHLB) Advances (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
FHLB advance amount	$ 13,709
Fixed Rate Amortizing FHLB Advances [Member]
FHLB advance amount	$ 109	$ 176
Weighted average rate	1.37%	1.37%
Fixed Rate Amortizing FHLB Advances [Member] | Minimum [Member]
Stated Interest rate range	1.37%
Fixed Rate Amortizing FHLB Advances [Member] | Maximum [Member]
Stated Interest rate range	1.37%
Fixed Rate FHLB Advances [Member]
FHLB advance amount	$ 8,000	$ 8,000
Weighted average rate	1.04%	1.04%
Fixed Rate FHLB Advances [Member] | Minimum [Member]
Stated Interest rate range	0.90%
Fixed Rate FHLB Advances [Member] | Maximum [Member]
Stated Interest rate range	1.18%
Variable Rate FHLB Advances [Member]
FHLB advance amount	$ 5,600	$ 600
Weighted average rate	5.46%	5.19%
Variable Rate FHLB Advances [Member] | Minimum [Member]
Stated Interest rate range	5.46%
Variable Rate FHLB Advances [Member] | Maximum [Member]
Stated Interest rate range	5.46%

Note 8 - Federal Home Loan Ba_5

Note 8 - Federal Home Loan Bank Advances - Summary of the Scheduled Principal Payments (Details) $ in Thousands	Jun. 30, 2024 USD ($)
2025	$ 9,600
2026	109
2027	0
2028	0
2029	0
Thereafter	4,000
Total	$ 13,709

Note 9 - Employee Benefit Pla_3

Note 9 - Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage	100%
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	4%
Defined Contribution Plan, Cost	$ 417	$ 390
Defined Benefit Plan, Accumulated Benefit Obligation	$ 3,997	$ 3,687
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	6%	5.75%
Defined Benefit Plan, Other Cost (Credit)	$ 452	$ 256
Defined Benefit Plan, Plan Assets, Contributions by Employer	$ 142	133
Restricted Stock Units (RSUs) [Member] | Directors and Senior Management [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage	100%
Restricted Stock [Member]
Share-Based Payment Arrangement, Expense	$ 229	$ 579
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 240
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)	1 year 3 months 18 days
Share-Based Payment Arrangement, Tranche One [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage	25%
Share-Based Payment Arrangement, Tranche Three [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage	25%
Share-based Payment Arrangement, Tranche Two, Three and Tour[Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period (Year)	3 years

Note 9 - Employee Benefit Pla_4

Note 9 - Employee Benefit Plans - Summary of the Restricted Stock Awards (Details)	12 Months Ended
	Jun. 30, 2024 $ / shares shares
Restricted Stock [Member]
Restricted Stock Awards, Outstanding, Beginning Balance (in shares) | shares	23,044
Weighted-Average Grant Date Fair Value Per Share, Outstanding at Beginning Period (in dollars per share) | $ / shares	$ 19.46
Restricted Stock Awards, Granted (in shares) | shares	0
Weighted-Average Grant Date Fair Value Per Share, Granted (in dollars per share) | $ / shares	$ 0
Restricted Stock Awards, Vested (in shares) | shares	(10,283)
Weighted-Average Grant Date Fair Value Per Share, Vested (in dollars per share) | $ / shares	$ 19.24
Restricted Stock Awards, Outstanding, Ending Balance (in shares) | shares	12,761
Weighted-Average Grant Date Fair Value Per Share, Outstanding at Ending Period (in dollars per share) | $ / shares	$ 19.65
Restricted Stock Units (RSUs) [Member]
Restricted Stock Awards, Outstanding, Beginning Balance (in shares) | shares	9,078
Weighted-Average Grant Date Fair Value Per Share, Outstanding at Beginning Period (in dollars per share) | $ / shares	$ 18.74
Restricted Stock Awards, Granted (in shares) | shares	0
Weighted-Average Grant Date Fair Value Per Share, Granted (in dollars per share) | $ / shares	$ 0
Restricted Stock Awards, Vested (in shares) | shares	(3,027)
Weighted-Average Grant Date Fair Value Per Share, Vested (in dollars per share) | $ / shares	$ 18.74
Restricted Stock Awards, Outstanding, Ending Balance (in shares) | shares	6,051
Weighted-Average Grant Date Fair Value Per Share, Outstanding at Ending Period (in dollars per share) | $ / shares	$ 18.74

Note 10 - Income Taxes (Details

Note 10 - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21%
Effective Income Tax Rate Reconciliation, Percent	17.70%	17.40%
Unrecognized Tax Benefits	$ 0	$ 0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense	0	0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued	$ 0	$ 0
Open Tax Year	2020 2021 2022 2023 2024

Note 10 - Income Taxes - Provis

Note 10 - Income Taxes - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Current income taxes	$ 2,087	$ 2,344
Deferred income tax benefit	(242)	(96)
Total income tax expense	$ 1,845	$ 2,248

Note 11 - Income Taxes - Net De

Note 11 - Income Taxes - Net Deferred Income Tax Asset (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Allowance for loan losses	$ 1,743	$ 1,622
Deferred compensation	1,026	986
Partnership investment	154	0
Deferred income	132	31
Non-accrual loan interest income	22	20
Net unrealized securities loss	7,532	7,964
Other	3	3
Gross deferred tax asset	10,612	10,626
Depreciation	(776)	(783)
Loan fees	(663)	(640)
FHLB stock dividends	(102)	(102)
Prepaid expenses	(176)	(150)
Intangible assets	(258)	(199)
Gross deferred tax liabilities	(1,975)	(1,874)
Net deferred asset	$ 8,637	$ 8,752

Note 10 - Income Taxes - Schedu

Note 10 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Income taxes computed at the statutory rate on pretax income	$ 2,189	$ 2,714
Tax exempt income	(221)	(400)
Cash surrender value income	(58)	(55)
Affordable housing tax credit	(66)	0
Tax credit	(16)	(17)
Other non-deductible expenses	17	6
Total income tax expense	$ 1,845	$ 2,248

Note 11 - Related Party Trans_3

Note 11 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Executive Officers, Directors and Their Affiliates [Member]
Related Party Deposit Liabilities	$ 5,569	$ 6,100

Note 11 - Related Party Trans_4

Note 11 - Related Party Transactions - Loans to Related Parties (Details) - Executive Officers, Directors and Their Affiliates [Member] $ in Thousands	12 Months Ended
	Jun. 30, 2024 USD ($)
Balance	$ 2,657
New loans, net of refinancing	185
Repayments	(729)
Balance	$ 2,113

Note 12 - Regulatory Matters (D

Note 12 - Regulatory Matters (Details Textual) $ in Thousands	Jun. 30, 2024 USD ($)
Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum	0.025
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 18,593

Note 12 - Regulatory Matters -

Note 12 - Regulatory Matters - Schedule of Compliance With Regulatory Capital Requirements Under Banking Regulations (Details) - USD ($)	Jun. 30, 2024		Jun. 30, 2023
Common Equity Tier One Risk Based Capital	$ 89,200		$ 83,500
Common Equity Tier One Risk Based Capital to Risk Weighted Assets	11.07%		11.05%
Common Equity Tier One Risk Based Capital Required for Capital Adequacy	$ 36,200	[1]	$ 34,000
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	[1]	4.50%
Common Equity Tier One Risk Based Capital Required to be Well Capitalized	$ 52,400		$ 49,100
Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%		6.50%
Tier One Risk Based Capital	$ 89,200		$ 83,500
Tier 1 capital to risk weighted assets Bank	0.1107		0.1105
Tier One Risk Based Capital Required for Capital Adequacy	$ 48,300	[1]	$ 45,400
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.06	[1]	0.06
Tier One Risk Based Capital Required to be Well Capitalized	$ 64,400		$ 60,500
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.08		0.08
Capital	$ 97,200		$ 91,200
Capital to Risk Weighted Assets	0.1207		0.1207
Capital Required for Capital Adequacy	$ 64,400	[1]	$ 60,500
Capital Required for Capital Adequacy to Risk Weighted Assets	0.08	[1]	0.08
Capital Required to be Well Capitalized	$ 80,600		$ 75,600
Capital Required to be Well Capitalized to Risk Weighted Assets	0.10		0.10
Tier One Leverage Capital	$ 89,200		$ 83,500
Tier One Leverage Capital to Average Assets	0.0798		0.0772
Tier One Leverage Capital Required for Capital Adequacy	$ 44,700	[1]	$ 43,300
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.04	[1]	0.04
Tier One Leverage Capital Required to be Well Capitalized	$ 55,900		$ 54,100
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	0.05		0.05
[1]These amounts exclude the capital conservation buffer.

Note 13 - Commitments With Of_2

Note 13 - Commitments With Off-balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 144,616	$ 142,767
Loans and Leases Receivable, Commitments, Variable Rates	130,955	126,698
Loans and Leases Receivable, Commitments, Fixed Rates	13,661	16,069
Commitments to Extend Credit [Member]
Fair Value Disclosure, off-Balance-Sheet Risks, Face Amount, Liability	11,298	11,834
Financial Standby Letter of Credit [Member]
Fair Value Disclosure, off-Balance-Sheet Risks, Face Amount, Liability	$ 1,180	$ 1,178
Minimum [Member]
Loans and Leases Receivable Commitments Fixed Rates Percentage	3.05%	3.05%
Maximum [Member]
Loans and Leases Receivable Commitments Fixed Rates Percentage	10.50%	11%

Note 14 - Fair Value (Details T

Note 14 - Fair Value (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Other Real Estate	$ 0	$ 124

Note 14 - Fair Value - Assets a

Note 14 - Fair Value - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Securities, available-for-sale	$ 264,802	$ 279,605
Equity securities	381	386
US Treasury Securities [Member]
Securities, available-for-sale	6,252	8,408
US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	24,667	25,692
US States and Political Subdivisions Debt Securities [Member]
Securities, available-for-sale	77,730	83,972
Residential Mortgage-Backed Securities [Member]
Securities, available-for-sale	79,367	89,635
Commercial Mortgage-Backed Securities [Member]
Securities, available-for-sale	6,832	6,795
Other Debt Obligations [Member]
Securities, available-for-sale	15,286	15,033
Fair Value, Recurring [Member]
Equity securities	381	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	381	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	6,252	8,408
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	6,252	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	24,667	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	24,667	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	77,730	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	77,730	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	79,367	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	79,367	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	6,832	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	6,832	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	54,668	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	54,668	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	15,286	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	15,286	15,033
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	$ 0	$ 0

Note 14 - Fair Value - Estimate

Note 14 - Fair Value - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Held-to-maturity, fair value	$ 5,530	$ 6,294
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	17,723	11,755
Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Certificates of deposit in other financial institutions	0	2,501
Loans held for sale	908	764
Accrued interest receivable	3,560	3,024
Short-term borrowings	30,007	26,367
Federal Home Loan Bank advances	13,709	8,776
Accrued interest payable	915	344
Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Demand and Savings Deposits [Member]
Deposits	718,653	738,190
Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Time Deposits [Member]
Deposits	254,327	214,343
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Held-to-maturity, fair value	6,054	6,970
Loans, net	751,184	702,638
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	17,723	11,755
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Certificates of deposit in other financial institutions	0	2,450
Loans held for sale	920	774
Accrued interest receivable	3,560	3,024
Short-term borrowings	30,007	26,367
Federal Home Loan Bank advances	12,672	7,678
Accrued interest payable	915	344
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Demand and Savings Deposits [Member]
Deposits	718,653	738,190
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member] | Time Deposits [Member]
Deposits	253,458	211,856
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Held-to-maturity, fair value	5,530	6,294
Loans, net	$ 714,205	$ 656,737

Note 15 - Affordable Tax Cred_3

Note 15 - Affordable Tax Credit Partnership - Investments in Affordable Housing Projects (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable and other assets	Accrued interest receivable and other assets
Investment Program Proportional Amortization Method Elected Income Tax Credit and Other Income Tax Benefit Before Amortization Statement of Cash Flows Extensible Enumeration Not Disclosed Flag	Yes	Yes
Affordable housing tax credit investment	$ 10,250	$ 10,250
Investment Program Proportional Amortization Method, Elected Income Tax Credit and Other Income Tax Benefit Before Amortization. Statement of Income or Comprehensive Income, Extensible Enumeration Not Disclosed Flag	Yes	Yes
Investment Program Proportional Amortization Method, Applied Income Tax Credit and Other Tax Benefit, Amortization, Statement of Income or Comprehensive Income, Extensible Enumeration Not Disclosed Flag	Yes	Yes
Tax credits and other tax benefits recognized	$ 463	$ 0
Less: amortization	(397)	0
Net affordable housing tax credit investment	$ 9,853	$ 10,250
Investment Program Proportional Amortization Method Applied Income Tax Credit and Other Tax Benefit Amortization Statement of Cash Flows Extensible Enumeration Not Disclosed Flag	Yes	Yes
Unfunded commitments	$ 8,279	$ 9,668
Proportional amortization expense included in provision for income taxes	$ 397	$ 0

Note 16 - Parent Company Fina_3

Note 16 - Parent Company Financial Statements - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2022
Total assets	$ 1,097,089	$ 1,060,024
Short-term borrowings	30,007	26,367
Shareholders’ equity	63,685	55,484	$ 53,970
Total liabilities & shareholders’ equity	1,097,089	1,060,024
Parent Company [Member]
Cash	29	26
Equity securities, at fair value	381	386
Other assets	51	22
Investment in subsidiary	63,349	56,328
Total assets	63,810	56,762
Short-term borrowings	0	1,200
Other liabilities	125	78
Shareholders’ equity	63,685	55,484
Total liabilities & shareholders’ equity	$ 63,810	$ 56,762

Note 16 - Parent Company Fina_4

Note 16 - Parent Company Financial Statements - Condensed Statements of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Equity securities	$ 33	$ 33
Net change in market value of equity securities	(5)	(14)
Income tax expense	1,845	2,248
Net income	8,580	10,674
Comprehensive income	10,209	2,819
Parent Company [Member]
Cash dividends from Bank subsidiary	3,205	1,575
Equity securities	33	33
Net change in market value of equity securities	(5)	(14)
Other income	0	14
Interest expense	(43)	(75)
Other expense	(371)	(295)
Income before income taxes and equity in undistributed net income of subsidiary	2,819	1,238
Income tax expense	(84)	(76)
Income before equity in undistributed net income of Bank subsidiary	2,903	1,314
Equity in undistributed net income of subsidiary	5,677	9,360
Net income	8,580	10,674
Comprehensive income	$ 10,209	$ 2,819

Note 16 - Parent Company Fina_5

Note 16 - Parent Company Financial Statements - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Net income	$ 8,580	$ 10,674
Net change in market value of equity securities	5	14
Net cash flows from operating activities	9,376	13,316
Net change in short-term borrowings	3,640	5,072
Proceeds from dividend reinvestment and stock purchase plan	264	238
Net cash flows from financing activities	27,038	69,706
Change in cash and cash equivalents	5,968	(9,197)
Parent Company [Member]
Net income	8,580	10,674
Equity in undistributed net income of Bank subsidiary	(5,677)	(9,360)
Net change in market value of equity securities	5	14
Change in other assets and liabilities	18	(3)
Net cash flows from operating activities	2,926	1,325
Dividends paid	(2,246)	(2,095)
Restricted stock expense	62	159
Issuance of stock-based incentive plan shares	2	0
Net change in short-term borrowings	(1,200)	(70)
Proceeds from dividend reinvestment and stock purchase plan	264	238
Issuance of treasury stock for stock awards	195	393
Net cash flows from financing activities	(2,923)	(1,375)
Change in cash and cash equivalents	3	(50)
Beginning cash and cash equivalents	26	76
Ending cash and cash equivalents	$ 29	$ 26

Note 17 - Earnings Per Share (D

Note 17 - Earnings Per Share (Details Textual) - shares	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	6,642	14,800
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	6,051	9,078

Note 17 - Earnings Per Share -

Note 17 - Earnings Per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Net income available to common shareholders	$ 8,580	$ 10,674
Weighted average common shares outstanding (in shares)	3,109,263	3,090,187
Basic income per share (in dollars per share)	$ 2.76	$ 3.45
Dilutive effect of restricted stock (in shares)	0	0
Total common shares and dilutive potential common shares (in shares)	3,109,263	3,090,187
Dilutive income per share (in dollars per share)	$ 2.76	$ 3.45

Note 18 - Accumulated Other C_3

Note 18 - Accumulated Other Comprehensive Income (Loss) - Components of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023
Accumulated other comprehensive income (loss), before tax		$ (37,925)	$ (27,982)
Accumulated other comprehensive income (loss), tax		7,964	5,876
Accumulated other comprehensive income (loss), net		(29,961)	(22,106)
Unrealized holding loss on available-for-sale securities arising during the period, before tax		1,981	(9,929)
Unrealized holding loss on available-for-sale securities arising during the period, tax		(415)	2,085
Unrealized holding loss on available-for-sale securities arising during the period, net		1,566	(7,844)
Amounts reclassified from accumulated other comprehensive income, before tax	[1],[2]	80	(14)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	[1],[2]	(17)	3
Amounts reclassified from accumulated other comprehensive income, net	[1],[2]	63	(11)
Net current period other comprehensive loss, before tax		2,061	(9,943)
Net current period other comprehensive loss, tax		(432)	2,088
Other comprehensive income (loss)		1,629	(7,855)
Accumulated other comprehensive income (loss), before tax		(35,864)	(37,925)
Accumulated other comprehensive income (loss), tax		7,532	7,964
Accumulated other comprehensive income (loss), net		$ (28,332)	$ (29,961)
[1]Income tax expense[2]Securities gain, net

Note 19 - Revenue Recognition -

Note 19 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Service charges on deposit accounts	$ 4,383	$ 4,139
Noninterest income (out-of-scope of Topic 606)	4,896	4,747
Deposit Account [Member]
Service charges on deposit accounts	1,684	1,598
Debit Card [Member]
Service charges on deposit accounts	2,312	2,181
Financial Service, Other [Member]
Service charges on deposit accounts	387	360
Product and Service, Out of Scope of ASC 606 [Member]
Noninterest income (out-of-scope of Topic 606)	$ 513	$ 608