Consumers Bancorp (CBKM) 10-Q 8 Nov 24 2024 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Sep. 30, 2024	Nov. 08, 2024
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 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, P.O. Box 256
Entity Address, City or Town	Minerva
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44657
City Area Code	330
Local Phone Number	868-7701
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		3,127,770
Entity Central Index Key	0001006830
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 20,296	$ 17,709
Federal funds sold and interest-bearing deposits in financial institutions	6,629	14
Total cash and cash equivalents	26,925	17,723
Securities, available-for-sale	272,757	264,802
Securities, held-to-maturity (fair value of $5,625 at September 30, 2024 and $5,530 at June 30, 2024)	5,948	6,054
Equity securities, at fair value	381	381
Federal bank and other restricted stocks, at cost	2,072	2,186
Loans held for sale	2,240	908
Total loans	766,473	759,114
Less allowance for credit losses	(7,948)	(7,930)
Net loans	758,525	751,184
Cash surrender value of life insurance	12,967	10,500
Premises and equipment, net	17,631	16,927
Goodwill	2,452	2,452
Core deposit intangible, net	343	357
Accrued interest receivable and other assets	21,612	23,615
Total assets	1,123,853	1,097,089
LIABILITIES
Noninterest-bearing demand	238,543	225,087
Interest bearing demand	142,459	142,261
Savings	354,272	351,305
Time	263,618	254,327
Total deposits	998,892	972,980
Short-term borrowings	27,101	30,007
Federal Home Loan Bank advances	8,087	13,709
Accrued interest and other liabilities	16,472	16,708
Total liabilities	1,050,552	1,033,404
Commitments and contingent liabilities	0	0
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 3,164,883 and 3,144,739 shares issued as of March 31, 2024 and June 30, 2023, respectively)	21,350	21,178
Retained earnings	73,176	71,534
Treasury stock, at cost (48,639 common shares as of March 31, 2024 and June 30, 2023)	(644)	(695)
Accumulated other comprehensive loss	(20,581)	(28,332)
Total shareholders’ equity	73,301	63,685
Total liabilities and shareholders’ equity	$ 1,123,853	$ 1,097,089

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Debt Securities, Held-to-Maturity, Fair Value	$ 5,625	$ 5,530
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	350,000	350,000
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	8,500,000	8,500,000
Common stock, shares issued (in shares)	3,176,409	3,172,227
Treasury stock, shares (in shares)	48,639	48,639

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income
Loans, including fees	$ 10,939	$ 9,697
Securities, taxable	1,571	1,449
Securities, tax-exempt	441	469
Equity securities	8	8
Federal bank and other restricted stocks	40	41
Federal funds sold and other interest-bearing deposits	155	71
Total interest and dividend income	13,154	11,735
Interest expense
Deposits	4,878	3,417
Short-term borrowings	200	126
Federal Home Loan Bank advances	33	38
Total interest expense	5,111	3,581
Net interest income	8,043	8,154
Provision for credit losses on loans	77	40
Provision for credit losses on unfunded commitments	(45)	79
Net interest income after provision for credit losses	8,011	8,035
Noninterest income
Mortgage banking activity	133	98
Bank owned life insurance income	92	68
Securities losses, net	0	(79)
Other	101	92
Total noninterest income	1,393	1,157
Noninterest expenses
Salaries and employee benefits	3,764	3,498
Occupancy and equipment	884	784
Data processing expenses	211	196
Debit card processing expenses	362	312
Professional and director fees	306	236
FDIC assessments	207	189
Franchise taxes	40	96
Marketing and advertising	177	228
Telephone and network communications	89	88
Amortization of intangible	14	14
Other	634	624
Total noninterest expenses	6,688	6,265
Income before income taxes	2,716	2,927
Income tax expense	480	517
Net income	$ 2,236	$ 2,410
Basic and diluted earnings per share (in dollars per share)	$ 0.72	$ 0.78
Deposit Account [Member]
Noninterest income
Noninterest income (in scope of Topic 606)	$ 450	$ 426
Debit Card [Member]
Noninterest income
Noninterest income (in scope of Topic 606)	$ 617	$ 552

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Net income	$ 2,236	$ 2,410
Other comprehensive income (loss), net of tax:
Unrealized gains (losses) arising during the period	9,813	(9,852)
Reclassification adjustment for net losses included in income	0	79	[1],[2]
Net unrealized gains (losses)	9,813	(9,773)
Income tax effect	(2,062)	2,053
Other comprehensive income (loss)	7,751	(7,720)
Total comprehensive income (loss)	$ 9,987	$ (5,310)
[1]Income tax expense[2]Securities (gains) losses, net

Condensed Consolidated Statemen

Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Treasury Stock, Common [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Jun. 30, 2023	$ 20,769	$ 65,200	$ (809)	$ (29,961)	$ 55,199
Net income	0	2,410	0	0	2,410
Other comprehensive loss	0	0	0	(7,720)	(7,720)
Restricted stock expense	47	0	62	0	109
Restricted stock expense	50	0	0	0	50
Issuance of shares associated with dividend reinvestment plan and stock purchase plan	65	0	0	0	65
Cash dividends declared	0	(560)	0	0	(560)
Balance at Sep. 30, 2023	20,933	67,050	(747)	(37,681)	49,555
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
Net income	0	2,236	0	0	2,236
Other comprehensive loss	0	0	0	7,751	7,751
Restricted stock expense	27	0	51	0	78
Restricted stock expense	73	0	0	0	73
Issuance of shares associated with dividend reinvestment plan and stock purchase plan	72	0	0	0	72
Cash dividends declared	0	(594)	0	0	(594)
Balance at Sep. 30, 2024	$ 21,350	$ 73,176	$ (644)	$ (20,581)	$ 73,301

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Shares Issued, Shares, Share-Based Payment Arrangement, before Forfeiture (in shares)	3,553	5,676
Issuance of shares associated with dividend reinvestment plan and stock purchase plan (in shares)	4,182	3,786
Cash dividends declared (in dollars per share)	$ 0.19	$ 0.18
Shares Issued, Shares, Share-Based Payment Arrangement, after Forfeiture (in shares)		8,519
Stock Issued During Period, Shares, Dividend Reinvestment Plan (in shares)	4,182	3,786

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities
Net cash from operating activities	$ 1,142	$ 3,654
Cash flow from investing activities
Purchases of securities, available-for-sale	(6,631)	(1,603)
Maturities, calls and principal pay downs of securities, available-for-sale	8,423	6,168
Sale of securities, available-for-sale	0	4,002
Principal pay downs of securities, held-to-maturity	106	104
Net decrease in certificates of deposit in other financial institutions	0	8
Net change in Federal Home Loan Bank stock, at cost	114	186
Net increase in loans	(7,418)	(7,593)
Purchase of bank owned life insurance	(2,375)	0
Premises and equipment purchases	(1,021)	(332)
Net cash used in (from) investing activities	(8,802)	940
Cash flow from financing activities
Net increase in deposit accounts	25,912	8,841
Net change in short-term borrowings	(2,906)	(4,422)
Repayments of Federal Home Loan Bank advances	(5,622)	(630)
Proceeds from dividend reinvestment and stock purchase plan	72	65
Dividends paid	(594)	(560)
Net cash from financing activities	16,862	3,294
Increase in cash or cash equivalents	9,202	7,888
Cash and cash equivalents, beginning of period	17,723	11,755
Cash and cash equivalents, end of period	26,925	19,643
Supplemental disclosure of cash flow information:
Interest	4,993	3,418
Federal income taxes	(600)	(9)
Non-cash items:
Issuance of treasury stock for vested restricted stock awards	$ 78	$ 109

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	3 Months Ended
	Sep. 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 Nature of Operations: Basis of Presentation The consolidated financial statements include the accounts of the Company and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation. Segment Information: Reclassifications: CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts)

Note 2 - Securities

Note 2 - Securities	3 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 2 – Securities Debt securities The following tables summarize the amortized cost, fair value, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on the Company’s debt securities available-for-sale and gross unrecognized losses on the Company’s debt securities held-to-maturity as of September 30, 2024 and June 30, 2024: Available for-Sale Amortized Gross Gross Fair September 30, 2024 Obligations of U.S. Treasury $ 6,476 $ — $ (112 ) $ 6,364 Obligations of U.S. government-sponsored entities and agencies 27,596 37 (2,569 ) 25,064 Obligations of state and political subdivisions 83,247 52 (5,880 ) 77,419 U.S. Government-sponsored mortgage-backed securities–residential 90,975 17 (11,248 ) 79,744 U.S. Government-sponsored mortgage-backed securities– commercial 8,581 — (1,407 ) 7,174 U.S. Government-sponsored collateralized mortgage obligations– residential 64,673 475 (4,436 ) 60,712 Other debt securities 17,260 — (980 ) 16,280 Total securities available-for-sale $ 298,808 $ 581 $ (26,632 ) $ 272,757 Held-to-Maturity Amortized Gross Gross Fair September 30, 2024 Obligations of state and political subdivisions $ 5,948 $ — $ (323 ) $ 5,625 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 securities available-for-sale $ 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 CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) Proceeds from the sale of available-for-sale securities were as follows: Three Months Ended September 30, 2024 2023 Proceeds from sales $ — $ 4,002 Gross realized gains — — Gross realized losses — 79 The income tax benefit related to the net realized losses amounted to $16 for the three-month period ended September 30, 2023. The amortized cost and fair values of debt securities as of September 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, are shown separately. Available-for-Sale Amortized Cost Estimated Fair Value Due in one year or less $ 8,646 $ 8,615 Due after one year through five years 29,037 27,827 Due after five years through ten years 36,871 34,574 Due after ten years 60,025 54,111 Total 134,579 125,127 U.S. Government-sponsored mortgage-backed and related securities 164,229 147,630 Total securities available-for-sale $ 298,808 $ 272,757 Held-to-Maturity Due in one year or less $ 43 $ 43 Due after one year through five years 2,303 2,256 Due after five years through ten years 3,602 3,326 Total securities held-to-maturity $ 5,948 $ 5,625 Securities with a carrying value of approximately $158,873 and $153,908 were pledged at September 30, 2024 and June 30, 2024, respectively, to secure public deposits and commitments as required or permitted by law. CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) The following table summarizes the debt securities with unrealized and unrecognized losses as of September 30, 2024 and June 30, 2024, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized September 30, 2024 Obligation of U.S. Treasury $ — $ — $ 6,364 $ (112 ) $ 6,364 $ (112 ) Obligations of U.S. government-sponsored entities and agencies — — 23,513 (2,569 ) 23,513 (2,569 ) Obligations of state and political subdivisions 11,673 (1,062 ) 59,953 (4,818 ) 71,626 (5,880 ) U.S. Government-sponsored mortgage-backed securities – residential 5,343 (229 ) 74,401 (11,019 ) 79,744 (11,248 ) U.S. Government-sponsored mortgage-backed securities – commercial — — 7,174 (1,407 ) 7,174 (1,407 ) Collateralized mortgage obligations - residential 4,802 (49 ) 36,796 (4,387 ) 41,598 (4,436 ) Other debt securities — — 16,030 (980 ) 16,030 (980 ) Total $ 21,818 $ (1,340 ) $ 224,231 $ (25,292 ) $ 246,049 $ (26,632 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized September 30, 2024 Obligations of state and political subdivisions $ — $ — $ 5,625 $ (323 ) $ 5,625 $ (323 ) Total $ — $ — $ 5,625 $ (323 ) $ 5,625 $ (323 ) Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2024 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 Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized June 30, 2024 Obligations of state and political subdivisions $ — $ — $ 5,530 $ (524 ) $ 5,530 $ (524 ) Total $ — $ — $ 5,530 $ (524 ) $ 5,530 $ (524 ) CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) At September 30, 2024, the Company’s portfolio consisted of 416 securities, 388 of which were available-for-sale and 4 of which were held-to-maturity securities in unrealized or unrecognized loss positions. As of September 30, 2024, no allowance for credit losses has been recognized on securities in an unrealized loss position as management does not believe any of the securities are impaired due to reasons of credit quality. This is based upon our analysis of the underlying risk characteristics, including credit ratings, and other qualitative factors related to our available-for-sale securities. 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 September 30, 2024, 97.4% of the municipal bonds held in the available-for-sale portfolio had a S&P or Moody’s investment grade rating, and 2.6% 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. 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. Equity Securities The Company owned equity securities with an amortized cost of $400 and a fair value of $381 as of September 30, 2024, and June 30, 2024. Changes in the fair value of these securities are included in noninterest income on the consolidated statements of income. There were no net unrealized gains or losses on equity securities recognized in earnings and there were no sales of equity securities during the three-month periods ended September 30, 2024 and 2023.

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Credit Losses	3 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 – Loans and Allowance for Credit Losses The following table presents loans by major category. September 30, 2024 June 30, 2024 Commercial & Industrial $ 125,100 $ 127,782 Commercial real estate: Owner occupied 166,027 163,856 Non-owner occupied 151,219 146,827 Farmland 38,481 38,898 Land Development 13,377 12,654 1 – 4 family residential real estate 196,098 196,098 Consumer 76,101 72,915 Subtotal 766,403 759,030 Unamortized deferred loan costs, net 70 84 Allowance for credit losses (7,948 ) (7,930 ) Net Loans $ 758,525 $ 751,184 CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) The following table presents the activity in the allowance for credit losses by portfolio segment for the three months ended September 30, 2024. Commercial Commercial 1-4 Family & Real Land Residential Industrial Estate Farmland Development Real Estate Consumer Total ACL beginning balance $ 1,144 $ 3,650 $ 89 $ 174 $ 2,018 $ 855 $ 7,930 Provision for expected credit losses (57 ) 28 (2 ) 9 (1 ) 100 77 Charge-offs — — — — — (126 ) (126 ) Recoveries 1 — — — 1 65 67 ACL ending balance $ 1,088 $ 3,678 $ 87 $ 183 $ 2,018 $ 894 $ 7,948 The following table presents the activity in the allowance for credit losses by portfolio segment for the three months ended September 30, 2023. Commercial Commercial 1-4 Family & Real Land Residential Industrial Estate Farmland Development Real 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 121 61 (2 ) (132 ) (99 ) 91 40 Charge-offs — — — — — (106 ) (106 ) Recoveries — — — — — 72 72 ACL ending balance $ 974 $ 3,951 $ 91 $ 266 $ 1,638 $ 862 $ 7,782 The following table presents the amortized cost of non-accrual loans by class as of September 30, 2024 and the interest income recognized on non-accrual loans for the three month period ended September 30, 2024: September 30, 2024 Interest Income Non-accrual Total Recognized during loans with Non-accrual the period on no ACL loans non-accrual loans Commercial & Industrial $ 50 $ 306 $ — Commercial real estate: Owner occupied 138 138 6 1 – 4 family residential real estate 452 467 — Total $ 640 $ 911 $ 6 The following table presents the amortized cost of non-accrual loans by class as of June 30, 2024 and the interest income recognized on non-accrual loans for the three month period ended September 30, 2023: June 30, 2024 Three months ended September 30, 2023 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 — 1 – 4 family residential real estate 262 277 — Total $ 502 $ 774 $ — CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) The following table presents the aging of the amortized cost of past due loans as of September 30, 2024 by class of loans: Loans 90 Days Past Due Days Past 30 – 59 Days 60 - 89 Days 90 Days or Greater Total Loans Not Total Due and Commercial & Industrial $ — $ — $ 256 $ 256 $ 124,840 $ 125,096 $ — Commercial real estate: Owner occupied 195 — 138 333 165,397 165,730 — Non-owner occupied — — — — 150,925 150,925 — Farmland — — — — 38,379 38,379 — Land development — — — — 13,341 13,341 — 1 – 4 family residential real estate 397 189 215 801 196,343 197,144 — Consumer 481 156 8 645 75,213 75,858 8 Total $ 1,073 $ 345 $ 617 $ 2,035 $ 764,438 $ 766,473 $ 8 The above table of past due loans includes the recorded investment in non-accrual loans of $117 in the loans not past due category, $185 in the loans 60-89 days past due category and $609 in the 90 days or greater category. 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 Days 60 - 89 Days 90 Days or Greater Total Loans Not Total Due and 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 loans not past due category and $587 in the 90 days or greater category. 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 three-month periods ended September 30, 2024 and 2023. CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) 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: September 30, 2024: Real Estate Other ACL Commercial & Industrial $ — $ 256 $ 66 Commercial real estate: Owner occupied 139 — — Total loans $ 139 $ 256 $ 66 June 30, 2024: Real Estate Other ACL Commercial & Industrial $ — $ 257 $ 67 Commercial real estate: Owner occupied 189 — — Total loans $ 189 $ 257 $ 67 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. Substandard. Doubtful. Not Rated. CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) Based on the most recent analysis performed, the following tables present the amortized cost by internal risk category and class of loans as of September 30, 2024: Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2025 2024 2023 2022 2021 Prior Cost Basis To Term Total Commercial & Industrial Pass $ 2,136 $ 16,633 $ 21,992 $ 26,746 $ 6,577 $ 6,511 $ 43,284 $ 92 $ 123,971 Special Mention — 145 63 189 9 112 536 — 1,054 Substandard — — — — 7 — — — 7 Doubtful — — — — — — 64 — 64 Total Commercial & Industrial $ 2,136 $ 16,778 $ 22,055 $ 26,935 $ 6,593 $ 6,623 $ 43,884 $ 92 $ 125,096 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate: Owner occupied: Pass $ 1,643 $ 19,029 $ 20,128 $ 34,157 $ 20,961 $ 55,894 $ 12,223 $ 136 $ 164,171 Special Mention — — — — 640 504 152 — 1,296 Substandard — — — — — 249 — — 249 Doubtful — — — — 14 — — — 14 Total owner occupied $ 1,643 $ 19,029 $ 20,128 $ 34,157 $ 21,615 $ 56,647 $ 12,375 $ 136 $ 165,730 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-owner occupied: Pass $ 2,823 $ 19,797 $ 36,753 $ 22,091 $ 23,278 $ 45,465 $ 718 $ — $ 150,925 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total non-owner occupied $ 2,823 $ 19,797 $ 36,753 $ 22,091 $ 23,278 $ 45,465 $ 718 $ — $ 150,925 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Farmland: Pass $ 408 $ 1,792 $ 5,805 $ 5,818 $ 5,248 $ 18,203 $ 962 $ 139 $ 38,375 Special Mention — — — — — 4 — — 4 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Farmland $ 408 $ 1,792 $ 5,805 $ 5,818 $ 5,248 $ 18,207 $ 962 $ 139 $ 38,379 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Land Development: Pass $ 257 $ 6,304 $ 1,991 $ 345 $ 468 $ 756 $ 3,220 $ — $ 13,341 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Land Development $ 257 $ 6,304 $ 1,991 $ 345 $ 468 $ 756 $ 3,220 $ — $ 13,341 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total: Pass $ 7,267 $ 63,555 $ 86,669 $ 89,157 $ 56,532 $ 126,829 $ 60,407 $ 367 $ 490,783 Special Mention — 145 63 189 649 620 688 — 2,354 Substandard — — — — 7 249 — — 256 Doubtful — — — — 14 — 64 — 78 Total $ 7,267 $ 63,700 $ 86,732 $ 89,346 $ 57,202 $ 127,698 $ 61,159 $ 367 $ 493,471 CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) 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 September 30, 2024: Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2025 2024 2023 2022 2021 Prior Cost Basis To Term Total 1 4 family residential real estate: Performing $ 2,957 $ 17,783 $ 23,047 $ 29,005 $ 53,329 $ 45,784 $ 24,697 $ 75 $ 196,677 Nonperforming — — 129 273 — 65 — — 467 Total 1-4 family residential real estate $ 2,957 $ 17,783 $ 23,176 $ 29,278 $ 53,329 $ 45,849 $ 24,697 $ 75 $ 197,144 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Performing $ 10,353 $ 27,211 $ 23,004 $ 10,980 $ 3,544 $ 580 $ 178 $ — $ 75,850 Nonperforming — — — 8 — — — — 8 Total consumer $ 10,353 $ 27,211 $ 23,004 $ 10,988 $ 3,544 $ 580 $ 178 $ — $ 75,858 Current year-to-date gross write-offs $ 6 $ 23 $ 19 $ 76 $ — $ 2 $ — $ — $ 126 Total: Performing $ 13,310 $ 44,994 $ 46,051 $ 39,985 $ 56,873 $ 46,364 $ 24,875 $ 75 $ 272,527 Nonperforming — — 129 281 — 65 — — 475 Total $ 13,310 $ 44,994 $ 46,180 $ 40,266 $ 56,873 $ 46,429 $ 24,875 $ 75 $ 273,002 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: Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total Commercial & Industrial 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 $ — $ — $ — $ — $ — $ — $ — $ — $ — CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total 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: Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans 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 CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts)

Note 4 - Fair Value

Note 4 - Fair Value	3 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 4 - 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: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Financial assets and financial liabilities measured at fair value on a recurring basis include the following: Securities available-for-sale: Assets and liabilities measured at fair value on a recurring basis are summarized below, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Balance at September 30, Fair Value Measurements at September 30, 2024 2024 Level 1 Level 2 Level 3 Assets: Obligations of U.S. Treasury $ 6,364 $ 6,364 $ — $ — Obligations of U.S. government-sponsored entities and agencies 25,064 — 25,064 — Obligations of state and political subdivisions 77,419 — 77,419 — U.S. Government-sponsored mortgage-backed securities – residential 79,744 — 79,744 — U.S. Government-sponsored mortgage-backed securities – commercial 7,174 — 7,174 — U.S. Government-sponsored collateralized mortgage obligations - residential 60,712 — 60,712 — Other debt securities 16,280 — 16,280 — Equity securities 381 — 381 — CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) Balance at June 30, Fair Value Measurements at June 30, 2024 2024 Level 1 Level 2 Level 3 Assets: Obligations of U.S. treasury $ 6,252 $ 6,252 $ — $ — Obligations of U.S. government-sponsored entities and agencies 24,667 — 24,667 — Obligations of state 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 - residential 54,668 — 54,668 — Other debt securities 15,286 — 15,286 — Equity securities 381 — 381 — There were no transfers between Level 1 and Level 2 during the three-month period ended September 30, 2024. 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 that may be recorded at fair value on a nonrecurring basis include individually evaluated collateral dependent loans , other real estate owned, and other repossessed assets. Collateral Dependent Loans: Other Real Estate and Repossessed Assets Owned: no no CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) 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: September 30, 2024 June 30, 2024 Carrying Estimated Carrying Estimated Financial Assets: Level 1 inputs: Cash and cash equivalents $ 26,925 $ 26,925 $ 17,723 $ 17,723 Level 2 inputs: Loans held for sale 2,240 2,277 908 920 Accrued interest receivable 3,382 3,382 3,560 3,560 Level 3 inputs: Securities held-to-maturity 5,948 5,625 6,054 5,530 Loans, net 758,525 732,187 751,184 714,205 Financial Liabilities: Level 2 inputs: Demand and savings deposits 735,274 735,274 718,653 718,653 Time deposits 263,618 263,095 254,327 253,458 Short-term borrowings 27,101 27,101 30,007 30,007 Federal Home Loan Bank advances 8,087 7,379 13,709 12,672 Accrued interest payable 1,033 1,033 915 915 The assumptions used to estimate fair value are described as follows: Cash and cash equivalents: Accrued interest receivable and payable, demand and savings deposits and short-term borrowings Loans held for sale: Loans: Securities held-to-maturity: Time deposits: CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts) Federal Home Loan Bank advances: Federal bank and other restricted stocks, at cost: Off-balance sheet commitments:

Note 5 - Affordable Housing Tax

Note 5 - Affordable Housing Tax Credit Partnership	3 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Investments in Affordable Housing Tax Credits Projects [Text Block]	NOTE 5 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 September 30, 2024 and June 30, 2024. September 30, 2024 June 30, 2024 Affordable housing tax credit investment $ 10,250 $ 10,250 Less: amortization (519 ) (397 ) Net affordable housing tax credit investment $ 9,731 $ 9,853 Unfunded commitments $ 8,055 $ 8,279 The following summarizes other information relating to the affordable housing tax credit investment for the three-month periods ended September 30, 2024 and 2023. Three Months Ended September 30, 2024 2023 Tax credits and other tax benefits recognized $ 143 $ 15 Proportional amortization expense included in provision for income taxes 122 1 CONSUMERS BANCORP, INC. Notes to the Consolidated Financial Statements (Unaudited) (continued) (Dollars in thousands, except per share amounts)

Note 6 - Earnings Per Share

Note 6 - Earnings Per Share	3 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 6 – Earnings Per Share Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period and is equal to net income divided by the weighted average number of shares outstanding during the period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares that may be issued upon the vesting of restricted stock awards. There were 9,897 and 21,082 shares of restricted stock that were anti-dilutive for the three- month periods ended September 30, 2024 and 2023, respectively. The following table details the calculation of basic and diluted earnings per share: For the Three Months Ended September 30, 2024 2023 Basic: Net income available to common shareholders $ 2,236 $ 2,410 Weighted average common shares outstanding 3,119,603 3,092,945 Basic income per share $ 0.72 $ 0.78 Diluted: Net income available to common shareholders $ 2,236 $ 2,410 Weighted average common shares outstanding 3,119,603 3,092,945 Dilutive effect of restricted stock — — Total common shares and dilutive potential common shares 3,119,603 3,092,945 Dilutive income per share $ 0.72 $ 0.78

Note 7 - Accumulated Other Comp

Note 7 - Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Sep. 30, 2024
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 7 – Accumulated Other Comprehensive Income (Loss) The components of other comprehensive income related to unrealized gains and losses on available-for-sale securities for the three- month periods ended September 30, 2024 and 2023, were as follows: Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2024 $ (35,864 ) $ 7,532 $ (28,332 ) Unrealized holding gains on available-for-sale securities arising during the period 9,813 (2,062 ) 7,751 Balance as of September 30, 2024 $ (26,051 ) $ 5,470 $ (20,581 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2023 $ (37,925 ) $ 7,964 $ (29,961 ) Unrealized holding losses on available-for-sale securities arising during the period (9,852 ) 2,069 (7,783 ) Amounts reclassified from accumulated other comprehensive loss 79 (16 ) 63 (a)(b) Net current period other comprehensive loss (9,773 ) 2,053 (7,720 ) Balance as of September 30, 2023 $ (47,698 ) $ 10,017 $ (37,681 ) (a) Securities (gains) losses, net (b) Income tax expense

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]	Item 5 – Other Information None
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Nature of Operations [Policy Text Block]	Nature of Operations:
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation The consolidated financial statements include the accounts of the Company and the Bank. All significant inter-company transactions and accounts have been eliminated in consolidation.
Segment Reporting, Policy [Policy Text Block]	Segment Information:
Reclassification, Comparability Adjustment [Policy Text Block]	Reclassifications:

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	3 Months Ended
	Sep. 30, 2024
Notes Tables
Marketable Securities [Table Text Block]	Available for-Sale Amortized Gross Gross Fair September 30, 2024 Obligations of U.S. Treasury $ 6,476 $ — $ (112 ) $ 6,364 Obligations of U.S. government-sponsored entities and agencies 27,596 37 (2,569 ) 25,064 Obligations of state and political subdivisions 83,247 52 (5,880 ) 77,419 U.S. Government-sponsored mortgage-backed securities–residential 90,975 17 (11,248 ) 79,744 U.S. Government-sponsored mortgage-backed securities– commercial 8,581 — (1,407 ) 7,174 U.S. Government-sponsored collateralized mortgage obligations– residential 64,673 475 (4,436 ) 60,712 Other debt securities 17,260 — (980 ) 16,280 Total securities available-for-sale $ 298,808 $ 581 $ (26,632 ) $ 272,757 Held-to-Maturity Amortized Gross Gross Fair September 30, 2024 Obligations of state and political subdivisions $ 5,948 $ — $ (323 ) $ 5,625 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 securities available-for-sale $ 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
Schedule of Realized Gain (Loss) [Table Text Block]	Three Months Ended September 30, 2024 2023 Proceeds from sales $ — $ 4,002 Gross realized gains — — Gross realized losses — 79
Investments Classified by Contractual Maturity Date [Table Text Block]	Available-for-Sale Amortized Cost Estimated Fair Value Due in one year or less $ 8,646 $ 8,615 Due after one year through five years 29,037 27,827 Due after five years through ten years 36,871 34,574 Due after ten years 60,025 54,111 Total 134,579 125,127 U.S. Government-sponsored mortgage-backed and related securities 164,229 147,630 Total securities available-for-sale $ 298,808 $ 272,757 Held-to-Maturity Due in one year or less $ 43 $ 43 Due after one year through five years 2,303 2,256 Due after five years through ten years 3,602 3,326 Total securities held-to-maturity $ 5,948 $ 5,625
Gain (Loss) on Securities [Table Text Block]	Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized September 30, 2024 Obligation of U.S. Treasury $ — $ — $ 6,364 $ (112 ) $ 6,364 $ (112 ) Obligations of U.S. government-sponsored entities and agencies — — 23,513 (2,569 ) 23,513 (2,569 ) Obligations of state and political subdivisions 11,673 (1,062 ) 59,953 (4,818 ) 71,626 (5,880 ) U.S. Government-sponsored mortgage-backed securities – residential 5,343 (229 ) 74,401 (11,019 ) 79,744 (11,248 ) U.S. Government-sponsored mortgage-backed securities – commercial — — 7,174 (1,407 ) 7,174 (1,407 ) Collateralized mortgage obligations - residential 4,802 (49 ) 36,796 (4,387 ) 41,598 (4,436 ) Other debt securities — — 16,030 (980 ) 16,030 (980 ) Total $ 21,818 $ (1,340 ) $ 224,231 $ (25,292 ) $ 246,049 $ (26,632 ) Less than 12 Months 12 Months or more Total Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized September 30, 2024 Obligations of state and political subdivisions $ — $ — $ 5,625 $ (323 ) $ 5,625 $ (323 ) Total $ — $ — $ 5,625 $ (323 ) $ 5,625 $ (323 ) Less than 12 Months 12 Months or more Total Available-for-sale Fair Unrealized Fair Unrealized Fair Unrealized June 30, 2024 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 Held to Maturity Fair Unrecognized Fair Unrecognized Fair Unrecognized June 30, 2024 Obligations of state and political subdivisions $ — $ — $ 5,530 $ (524 ) $ 5,530 $ (524 ) Total $ — $ — $ 5,530 $ (524 ) $ 5,530 $ (524 )

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, 2024 June 30, 2024 Commercial & Industrial $ 125,100 $ 127,782 Commercial real estate: Owner occupied 166,027 163,856 Non-owner occupied 151,219 146,827 Farmland 38,481 38,898 Land Development 13,377 12,654 1 – 4 family residential real estate 196,098 196,098 Consumer 76,101 72,915 Subtotal 766,403 759,030 Unamortized deferred loan costs, net 70 84 Allowance for credit losses (7,948 ) (7,930 ) Net Loans $ 758,525 $ 751,184
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Commercial Commercial 1-4 Family & Real Land Residential Industrial Estate Farmland Development Real Estate Consumer Total ACL beginning balance $ 1,144 $ 3,650 $ 89 $ 174 $ 2,018 $ 855 $ 7,930 Provision for expected credit losses (57 ) 28 (2 ) 9 (1 ) 100 77 Charge-offs — — — — — (126 ) (126 ) Recoveries 1 — — — 1 65 67 ACL ending balance $ 1,088 $ 3,678 $ 87 $ 183 $ 2,018 $ 894 $ 7,948 Commercial Commercial 1-4 Family & Real Land Residential Industrial Estate Farmland Development Real 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 121 61 (2 ) (132 ) (99 ) 91 40 Charge-offs — — — — — (106 ) (106 ) Recoveries — — — — — 72 72 ACL ending balance $ 974 $ 3,951 $ 91 $ 266 $ 1,638 $ 862 $ 7,782
Financing Receivable, Nonaccrual [Table Text Block]	September 30, 2024 Interest Income Non-accrual Total Recognized during loans with Non-accrual the period on no ACL loans non-accrual loans Commercial & Industrial $ 50 $ 306 $ — Commercial real estate: Owner occupied 138 138 6 1 – 4 family residential real estate 452 467 — Total $ 640 $ 911 $ 6 June 30, 2024 Three months ended September 30, 2023 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 — 1 – 4 family residential real estate 262 277 — Total $ 502 $ 774 $ —
Financing Receivable, Past Due [Table Text Block]	Loans 90 Days Past Due Days Past 30 – 59 Days 60 - 89 Days 90 Days or Greater Total Loans Not Total Due and Commercial & Industrial $ — $ — $ 256 $ 256 $ 124,840 $ 125,096 $ — Commercial real estate: Owner occupied 195 — 138 333 165,397 165,730 — Non-owner occupied — — — — 150,925 150,925 — Farmland — — — — 38,379 38,379 — Land development — — — — 13,341 13,341 — 1 – 4 family residential real estate 397 189 215 801 196,343 197,144 — Consumer 481 156 8 645 75,213 75,858 8 Total $ 1,073 $ 345 $ 617 $ 2,035 $ 764,438 $ 766,473 $ 8 Loans 90 Days Past Due Days Past 30 – 59 Days 60 - 89 Days 90 Days or Greater Total Loans Not Total Due and 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
Schedule of Collateral Dependent Loans by Portfolio Segment and Collateral Type [Table Text Block]	September 30, 2024: Real Estate Other ACL Commercial & Industrial $ — $ 256 $ 66 Commercial real estate: Owner occupied 139 — — Total loans $ 139 $ 256 $ 66 June 30, 2024: Real Estate Other ACL Commercial & Industrial $ — $ 257 $ 67 Commercial real estate: Owner occupied 189 — — Total loans $ 189 $ 257 $ 67
Financing Receivable Credit Quality Indicators [Table Text Block]	Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2025 2024 2023 2022 2021 Prior Cost Basis To Term Total Commercial & Industrial Pass $ 2,136 $ 16,633 $ 21,992 $ 26,746 $ 6,577 $ 6,511 $ 43,284 $ 92 $ 123,971 Special Mention — 145 63 189 9 112 536 — 1,054 Substandard — — — — 7 — — — 7 Doubtful — — — — — — 64 — 64 Total Commercial & Industrial $ 2,136 $ 16,778 $ 22,055 $ 26,935 $ 6,593 $ 6,623 $ 43,884 $ 92 $ 125,096 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate: Owner occupied: Pass $ 1,643 $ 19,029 $ 20,128 $ 34,157 $ 20,961 $ 55,894 $ 12,223 $ 136 $ 164,171 Special Mention — — — — 640 504 152 — 1,296 Substandard — — — — — 249 — — 249 Doubtful — — — — 14 — — — 14 Total owner occupied $ 1,643 $ 19,029 $ 20,128 $ 34,157 $ 21,615 $ 56,647 $ 12,375 $ 136 $ 165,730 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-owner occupied: Pass $ 2,823 $ 19,797 $ 36,753 $ 22,091 $ 23,278 $ 45,465 $ 718 $ — $ 150,925 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total non-owner occupied $ 2,823 $ 19,797 $ 36,753 $ 22,091 $ 23,278 $ 45,465 $ 718 $ — $ 150,925 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Farmland: Pass $ 408 $ 1,792 $ 5,805 $ 5,818 $ 5,248 $ 18,203 $ 962 $ 139 $ 38,375 Special Mention — — — — — 4 — — 4 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Farmland $ 408 $ 1,792 $ 5,805 $ 5,818 $ 5,248 $ 18,207 $ 962 $ 139 $ 38,379 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Land Development: Pass $ 257 $ 6,304 $ 1,991 $ 345 $ 468 $ 756 $ 3,220 $ — $ 13,341 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total Land Development $ 257 $ 6,304 $ 1,991 $ 345 $ 468 $ 756 $ 3,220 $ — $ 13,341 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total: Pass $ 7,267 $ 63,555 $ 86,669 $ 89,157 $ 56,532 $ 126,829 $ 60,407 $ 367 $ 490,783 Special Mention — 145 63 189 649 620 688 — 2,354 Substandard — — — — 7 249 — — 256 Doubtful — — — — 14 — 64 — 78 Total $ 7,267 $ 63,700 $ 86,732 $ 89,346 $ 57,202 $ 127,698 $ 61,159 $ 367 $ 493,471 Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2025 2024 2023 2022 2021 Prior Cost Basis To Term Total 1 4 family residential real estate: Performing $ 2,957 $ 17,783 $ 23,047 $ 29,005 $ 53,329 $ 45,784 $ 24,697 $ 75 $ 196,677 Nonperforming — — 129 273 — 65 — — 467 Total 1-4 family residential real estate $ 2,957 $ 17,783 $ 23,176 $ 29,278 $ 53,329 $ 45,849 $ 24,697 $ 75 $ 197,144 Current year-to-date gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Performing $ 10,353 $ 27,211 $ 23,004 $ 10,980 $ 3,544 $ 580 $ 178 $ — $ 75,850 Nonperforming — — — 8 — — — — 8 Total consumer $ 10,353 $ 27,211 $ 23,004 $ 10,988 $ 3,544 $ 580 $ 178 $ — $ 75,858 Current year-to-date gross write-offs $ 6 $ 23 $ 19 $ 76 $ — $ 2 $ — $ — $ 126 Total: Performing $ 13,310 $ 44,994 $ 46,051 $ 39,985 $ 56,873 $ 46,364 $ 24,875 $ 75 $ 272,527 Nonperforming — — 129 281 — 65 — — 475 Total $ 13,310 $ 44,994 $ 46,180 $ 40,266 $ 56,873 $ 46,429 $ 24,875 $ 75 $ 273,002 Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total Commercial & Industrial 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 $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans Converted 2024 2023 2022 2021 2020 Prior Cost Basis To Term Total 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 Term Loans by Fiscal Year of Origination Revolving Loans Amortized Revolving Loans 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

Note 4 - Fair Value (Tables)

Note 4 - Fair Value (Tables)	3 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Balance at September 30, Fair Value Measurements at September 30, 2024 2024 Level 1 Level 2 Level 3 Assets: Obligations of U.S. Treasury $ 6,364 $ 6,364 $ — $ — Obligations of U.S. government-sponsored entities and agencies 25,064 — 25,064 — Obligations of state and political subdivisions 77,419 — 77,419 — U.S. Government-sponsored mortgage-backed securities – residential 79,744 — 79,744 — U.S. Government-sponsored mortgage-backed securities – commercial 7,174 — 7,174 — U.S. Government-sponsored collateralized mortgage obligations - residential 60,712 — 60,712 — Other debt securities 16,280 — 16,280 — Equity securities 381 — 381 — Balance at June 30, Fair Value Measurements at June 30, 2024 2024 Level 1 Level 2 Level 3 Assets: Obligations of U.S. treasury $ 6,252 $ 6,252 $ — $ — Obligations of U.S. government-sponsored entities and agencies 24,667 — 24,667 — Obligations of state 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 - residential 54,668 — 54,668 — Other debt securities 15,286 — 15,286 — Equity securities 381 — 381 —
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 2024 June 30, 2024 Carrying Estimated Carrying Estimated Financial Assets: Level 1 inputs: Cash and cash equivalents $ 26,925 $ 26,925 $ 17,723 $ 17,723 Level 2 inputs: Loans held for sale 2,240 2,277 908 920 Accrued interest receivable 3,382 3,382 3,560 3,560 Level 3 inputs: Securities held-to-maturity 5,948 5,625 6,054 5,530 Loans, net 758,525 732,187 751,184 714,205 Financial Liabilities: Level 2 inputs: Demand and savings deposits 735,274 735,274 718,653 718,653 Time deposits 263,618 263,095 254,327 253,458 Short-term borrowings 27,101 27,101 30,007 30,007 Federal Home Loan Bank advances 8,087 7,379 13,709 12,672 Accrued interest payable 1,033 1,033 915 915

Note 5 - Affordable Housing T_2

Note 5 - Affordable Housing Tax Credit Partnership (Tables)	3 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Investments in Affordable Housing Projects [Table Text Block]	September 30, 2024 June 30, 2024 Affordable housing tax credit investment $ 10,250 $ 10,250 Less: amortization (519 ) (397 ) Net affordable housing tax credit investment $ 9,731 $ 9,853 Unfunded commitments $ 8,055 $ 8,279
Schedule of Other Investments in Affordable Housing Projects [Table Text Block]	Three Months Ended September 30, 2024 2023 Tax credits and other tax benefits recognized $ 143 $ 15 Proportional amortization expense included in provision for income taxes 122 1

Note 6 - Earnings Per Share (Ta

Note 6 - Earnings Per Share (Tables)	3 Months Ended
	Sep. 30, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended September 30, 2024 2023 Basic: Net income available to common shareholders $ 2,236 $ 2,410 Weighted average common shares outstanding 3,119,603 3,092,945 Basic income per share $ 0.72 $ 0.78 Diluted: Net income available to common shareholders $ 2,236 $ 2,410 Weighted average common shares outstanding 3,119,603 3,092,945 Dilutive effect of restricted stock — — Total common shares and dilutive potential common shares 3,119,603 3,092,945 Dilutive income per share $ 0.72 $ 0.78

Note 7 - Accumulated Other Co_2

Note 7 - Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Sep. 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, 2024 $ (35,864 ) $ 7,532 $ (28,332 ) Unrealized holding gains on available-for-sale securities arising during the period 9,813 (2,062 ) 7,751 Balance as of September 30, 2024 $ (26,051 ) $ 5,470 $ (20,581 ) Pretax Tax Effect After-tax Affected Line Item in Consolidated Statements of Income Balance as of June 30, 2023 $ (37,925 ) $ 7,964 $ (29,961 ) Unrealized holding losses on available-for-sale securities arising during the period (9,852 ) 2,069 (7,783 ) Amounts reclassified from accumulated other comprehensive loss 79 (16 ) 63 (a)(b) Net current period other comprehensive loss (9,773 ) 2,053 (7,720 ) Balance as of September 30, 2023 $ (47,698 ) $ 10,017 $ (37,681 )

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual) $ in Thousands		3 Months Ended
		Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($)	Jun. 30, 2024 USD ($)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	[1],[2]	$ (16)
Debt Securities, Available-for-Sale, Restricted			$ 158,873	$ 153,908
Available-for-sale, Qualitative Disclosure, Number of Positions			416
Available-for-sale, Qualitative Disclosure, Number of Positions			388
Held-to-maturity, Qualitative Disclosure, Number of Positions			4
Equity Securities, FV-NI, Cost			$ 400	400
Equity Securities, FV-NI			$ 381	$ 381
US States and Political Subdivisions Debt Securities [Member] | Rated [Member]
Percent of Available for Sale Debt Securities Portfolio			97.40%
US States and Political Subdivisions Debt Securities [Member] | Non-rated [Member]
Percent of Available for Sale Debt Securities Portfolio			2.60%
Maximum [Member]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax		$ (16)
[1]Income tax expense[2]Securities (gains) losses, 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	Sep. 30, 2024	Jun. 30, 2024
Available-for-sale securities, amortized cost	$ 298,808	$ 300,666
Held-to-maturity, amortized cost	5,948	6,054
Available-for-sale securities, gross unrealized gains	581	142
Available-for-sale securities, gross unrealized losses	(26,632)	(36,006)
Available-for-sale securities, fair value	272,757	264,802
Held-to-maturity, fair value	5,625	5,530
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, amortized cost	83,247	85,917
Held-to-maturity, amortized cost	5,948	6,054
Available-for-sale securities, gross unrealized gains	52	46
Held-to-maturity, gross unrecognized gains	0	0
Available-for-sale securities, gross unrealized losses	(5,880)	(8,233)
Held-to-maturity, gross unrecognized losses	(323)	(524)
Available-for-sale securities, fair value	77,419	77,730
Held-to-maturity, fair value	5,625	5,530
US Treasury Securities [Member]
Available-for-sale securities, amortized cost	6,476	6,471
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(112)	(219)
Available-for-sale securities, fair value	6,364	6,252
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale securities, amortized cost	27,596	28,019
Available-for-sale securities, gross unrealized gains	37	4
Available-for-sale securities, gross unrealized losses	(2,569)	(3,356)
Available-for-sale securities, fair value	25,064	24,667
Residential Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	90,975	94,303
Available-for-sale securities, gross unrealized gains	17	0
Available-for-sale securities, gross unrealized losses	(11,248)	(14,936)
Available-for-sale securities, fair value	79,744	79,367
Commercial Mortgage-Backed Securities [Member]
Available-for-sale securities, amortized cost	8,581	8,584
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(1,407)	(1,752)
Available-for-sale securities, fair value	7,174	6,832
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, amortized cost	64,673	60,333
Available-for-sale securities, gross unrealized gains	475	92
Available-for-sale securities, gross unrealized losses	(4,436)	(5,757)
Available-for-sale securities, fair value	60,712	54,668
Other Debt Obligations [Member]
Available-for-sale securities, amortized cost	17,260	17,039
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(980)	(1,753)
Available-for-sale securities, fair value	$ 16,280	$ 15,286

Note 2 - Securities - Proceeds

Note 2 - Securities - Proceeds From Sales and Calls of Available-for-sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Proceeds from sales	$ 0	$ 4,002
Gross realized gains	0	0
Gross realized losses	$ 0	$ 79

Note 2 - Securities - Amortiz_2

Note 2 - Securities - Amortized Cost and Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$ 8,646
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value	8,615
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	29,037
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	27,827
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	36,871
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	34,574
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	60,025
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	54,111
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis	134,579
Available-for-sale Securities, Debt Maturities, Single Maturity Date	125,127
Total securities available-for-sale	298,808	$ 300,666
Total securities available-for-sale	272,757	264,802
Held-to-maturity Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	43
Held-to-maturity Securities, Debt Maturities, Next Twelve Months, Fair value	43
Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	2,303
Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value	2,256
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount	3,602
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Fair Value	3,326
Held-to-maturity Securities, Amortized Cost Basis	5,948	6,054
Held-to-maturity Securities, Fair Value	5,625	$ 5,530
U.S. Government-sponsored Mortgage-backed and Related Securities [Member]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	164,229
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	$ 147,630

Note 2 - Securities - Securitie

Note 2 - Securities - Securities With Unrealized and Unrecognized Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 21,818	$ 19,636
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,340)	(251)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	224,231	229,287
Obligations of state and political subdivisions	5,625	5,530
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(25,292)	(35,755)
Obligations of state and political subdivisions	(323)	(524)
Obligations of state and political subdivisions	5,625	5,530
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	246,049	248,923
Obligations of state and political subdivisions	5,625	5,530
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(26,632)	(36,006)
Obligations of state and political subdivisions	(323)	(524)
Obligations of state and political subdivisions	5,625	5,530
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	6,364	6,252
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(112)	(219)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,364	6,252
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(112)	(219)
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	11,673	8,110
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,062)	(148)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	59,953	63,612
Obligations of state and political subdivisions	5,625	5,530
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(4,818)	(8,085)
Obligations of state and political subdivisions	(323)	(524)
Obligations of state and political subdivisions	5,625	5,530
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	71,626	71,722
Obligations of state and political subdivisions	5,625	5,530
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(5,880)	(8,233)
Obligations of state and political subdivisions	(323)	(524)
Obligations of state and political subdivisions	5,625	5,530
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	153
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	(4)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	23,513	22,899
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(2,569)	(3,352)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	23,513	23,052
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(2,569)	(3,356)
Residential Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	5,343	1,010
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(229)	(3)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	74,401	78,357
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(11,019)	(14,933)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	79,744	79,367
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(11,248)	(14,936)
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	7,174	6,832
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,407)	(1,752)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	7,174	6,832
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1,407)	(1,752)
Collateralized Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	4,802	10,363
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(49)	(96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	36,796	36,049
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(4,387)	(5,661)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	41,598	46,412
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(4,436)	(5,757)
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	16,030	15,286
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(980)	(1,753)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	16,030	15,286
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (980)	$ (1,753)

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Credit Losses (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Nonaccrual	$ 911		$ 774
Financial Asset, Not Past Due [Member]
Financing Receivable, Nonaccrual	117	$ 187
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Nonaccrual	185
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Nonaccrual	$ 609	$ 587

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Credit Losses - Major Classifications (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023	Jun. 30, 2023
Gross loans	$ 766,403	$ 759,030
Unamortized deferred loan costs, net	70	84
Less allowance for credit losses	(7,948)	(7,930)	$ (7,782)	$ (7,724)
Net loans	758,525	751,184
Commercial Portfolio Segment [Member]
Gross loans	125,100	127,782
Commercial Real Estate Portfolio Segment [Member]
Less allowance for credit losses	(3,678)	(3,650)	(3,951)	(3,943)
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Gross loans	166,027	163,856
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Gross loans	151,219	146,827
Farmland [Member]
Gross loans	38,481	38,898
Less allowance for credit losses	(87)	(89)	(91)	0
Land Development [Member]
Gross loans	13,377	12,654
Less allowance for credit losses	(183)	(174)	(266)	0
Residential Portfolio Segment [Member]
Gross loans	196,098	196,098
Less allowance for credit losses	(2,018)	(2,018)	(1,638)	(1,571)
Consumer Portfolio Segment [Member]
Gross loans	76,101	72,915
Less allowance for credit losses	$ (894)	$ (855)	$ (862)	$ (902)

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, 2024	Sep. 30, 2023	Jun. 30, 2024
Balance	$ 7,930	$ 7,724	$ 7,724
Provision for expected credit losses	77	40
Charge-offs	(126)	(106)
Recoveries	67	72
Balance	7,948	7,782	7,930
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		52	52
Commercial & Industrial [Member]
Balance	1,144	1,308	1,308
Provision for expected credit losses	(57)	121
Charge-offs	0	0
Recoveries	1	0
Balance	1,088	974	1,144
Commercial & Industrial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		(455)	(455)
Commercial Real Estate Portfolio Segment [Member]
Balance	3,650	3,943	3,943
Provision for expected credit losses	28	61
Charge-offs	0	0
Recoveries	0	0
Balance	3,678	3,951	3,650
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		(53)	(53)
Farmland [Member]
Balance	89	0	0
Provision for expected credit losses	(2)	(2)
Charge-offs	0	0	0
Recoveries	0	0
Balance	87	91	89
Farmland [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		93	93
Land Development [Member]
Balance	174	0	0
Provision for expected credit losses	9	(132)
Charge-offs	0	0	0
Recoveries	0	0
Balance	183	266	174
Land Development [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		398	398
Residential Portfolio Segment [Member]
Balance	2,018	1,571	1,571
Provision for expected credit losses	(1)	(99)
Charge-offs	0	0	0
Recoveries	1	0
Balance	2,018	1,638	2,018
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		166	166
Consumer Portfolio Segment [Member]
Balance	855	902	902
Provision for expected credit losses	100	91
Charge-offs	(126)	(106)	(560)
Recoveries	65	72
Balance	$ 894	862	855
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance		$ (97)	$ (97)

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Credit Losses - Non-accrual Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Jun. 30, 2023
Nonaccrual, No Allowance	$ 640	$ 502
Nonaccrual	911	774
Nonaccrual, Interest Income	6	0
Commercial & Industrial [Member]
Nonaccrual, No Allowance	50	51
Nonaccrual	306	308
Nonaccrual, Interest Income	0	0
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Nonaccrual, No Allowance	138	189
Nonaccrual	138	189
Nonaccrual, Interest Income	6	0
Residential Portfolio Segment [Member]
Nonaccrual, No Allowance	452	262
Nonaccrual	467	277
Nonaccrual, Interest Income	$ 0	$ 0

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Credit Losses - Loans Past Due (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Recorded investment	$ 766,473	$ 759,114
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	8	84
Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	1,073	1,180
Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	345	98
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	617	671
Financial Asset, Past Due [Member]
Recorded investment	2,035	1,949
Financial Asset, Not Past Due [Member]
Recorded investment	764,438	757,165
Commercial Portfolio Segment [Member]
Recorded investment	125,096	127,811
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
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	256	308
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	256	308
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	124,840	127,503
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Recorded investment	165,730	163,543
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Recorded investment	150,925	146,529
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	195	311
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	138	189
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	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	333	500
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Owner Occupied Loans [Member]
Recorded investment	165,397	163,043
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Non-owner Occupied Loans [Member]
Recorded investment	150,925	146,529
Farmland [Member]
Recorded investment	38,379	38,799
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Farmland [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	0	0
Farmland [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0	0
Farmland [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0	0
Farmland [Member] | Financial Asset, Past Due [Member]
Recorded investment	0	0
Farmland [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	38,379	38,799
Land Development [Member]
Recorded investment	13,341	12,615
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Land Development [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	0	0
Land Development [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	0	0
Land Development [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	0	0
Land Development [Member] | Financial Asset, Past Due [Member]
Recorded investment	0	0
Land Development [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	13,341	12,615
Residential Portfolio Segment [Member]
Recorded investment	197,144	197,143
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	68
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	397	294
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	189	0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	215	158
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	801	452
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	196,343	196,691
Consumer Portfolio Segment [Member]
Recorded investment	75,858	72,674
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	8	16
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Recorded investment	481	575
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Recorded investment	156	98
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Recorded investment	8	16
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Recorded investment	645	689
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Recorded investment	$ 75,213	$ 71,985

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Credit Losses - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023	Jun. 30, 2023
Recorded investment	$ 766,473	$ 759,114
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	7,948	7,930	$ 7,782	$ 7,724
Commercial Portfolio Segment [Member]
Recorded investment	125,096	127,811
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	3,678	3,650	$ 3,951	$ 3,943
Real Estate [Member]
Recorded investment	139	189
Real Estate [Member] | Commercial Portfolio Segment [Member]
Recorded investment	0	0
Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]
Recorded investment	139	189
Other Pledged Collateral [Member]
Recorded investment	256	257
Other Pledged Collateral [Member] | Commercial Portfolio Segment [Member]
Recorded investment	256	257
Other Pledged Collateral [Member] | Commercial Real Estate Portfolio Segment [Member]
Recorded investment	0	0
Collateral Pledged [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	66	67
Collateral Pledged [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	66	67
Collateral Pledged [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Collateral Dependent Loans With An Allowance for Credit Loss	$ 0	$ 0

Note 3 - Loans and Allowance _9

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, 2024	Sep. 30, 2023	Jun. 30, 2024
Recorded investment	$ 766,473		$ 759,114
Allowance for Credit Loss, Writeoff	126	$ 106
Recorded investment	766,473		759,114
Residential Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	2,957		16,675
Year Two, Originated, Fiscal Year before Current Fiscal Year	17,783		23,451
Year Three, Originated, Two Years before Current Fiscal Year	23,176		30,134
Year Four, Originated, Three Years before Current Fiscal Year	29,278		54,816
Year Five, Originated, Four Years before Current Fiscal Year	53,329		18,891
Originated, More than Five Years before Current Fiscal Year	45,849		28,860
Revolving	24,697		24,235
Revolving, Converted to Term Loan	75		81
Recorded investment	197,144		197,143
Year One, Originated, Current Fiscal Year, Writeoff	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0		0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0		0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	0		0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		0
Originated, More than Five Years before Current Fiscal Year, Writeoff	0		0
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	0	0	0
Year One, Originated, Current Fiscal Year	2,957		16,675
Year Two, Originated, Fiscal Year before Current Fiscal Year	17,783		23,451
Year Three, Originated, Two Years before Current Fiscal Year	23,176		30,134
Year Four, Originated, Three Years before Current Fiscal Year	29,278		54,816
Year Five, Originated, Four Years before Current Fiscal Year	53,329		18,891
Originated, More than Five Years before Current Fiscal Year	45,849		28,860
Recorded investment	197,144		197,143
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	2,957		16,675
Year Two, Originated, Fiscal Year before Current Fiscal Year	17,783		23,451
Year Three, Originated, Two Years before Current Fiscal Year	23,047		29,857
Year Four, Originated, Three Years before Current Fiscal Year	29,005		54,816
Year Five, Originated, Four Years before Current Fiscal Year	53,329		18,891
Originated, More than Five Years before Current Fiscal Year	45,784		28,792
Revolving	24,697		24,235
Revolving, Converted to Term Loan	75		81
Recorded investment	196,677		196,798
Year One, Originated, Current Fiscal Year	2,957		16,675
Year Two, Originated, Fiscal Year before Current Fiscal Year	17,783		23,451
Year Three, Originated, Two Years before Current Fiscal Year	23,047		29,857
Year Four, Originated, Three Years before Current Fiscal Year	29,005		54,816
Year Five, Originated, Four Years before Current Fiscal Year	53,329		18,891
Originated, More than Five Years before Current Fiscal Year	45,784		28,792
Recorded investment	196,677		196,798
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	129		277
Year Four, Originated, Three Years before Current Fiscal Year	273		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	65		68
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	467		345
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	129		277
Year Four, Originated, Three Years before Current Fiscal Year	273		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	65		68
Recorded investment	467		345
Commercial Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	2,136		43,691
Year Two, Originated, Fiscal Year before Current Fiscal Year	16,778		24,330
Year Three, Originated, Two Years before Current Fiscal Year	22,055		29,157
Year Four, Originated, Three Years before Current Fiscal Year	26,935		7,390
Year Five, Originated, Four Years before Current Fiscal Year	6,593		3,448
Originated, More than Five Years before Current Fiscal Year	6,623		4,015
Revolving	43,884		15,687
Revolving, Converted to Term Loan	92		93
Recorded investment	125,096		127,811
Year One, Originated, Current Fiscal Year, Writeoff	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0		0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0		0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	0		0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		0
Originated, More than Five Years before Current Fiscal Year, Writeoff	0		6
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	0		6
Year One, Originated, Current Fiscal Year	2,136		43,691
Year Two, Originated, Fiscal Year before Current Fiscal Year	16,778		24,330
Year Three, Originated, Two Years before Current Fiscal Year	22,055		29,157
Year Four, Originated, Three Years before Current Fiscal Year	26,935		7,390
Year Five, Originated, Four Years before Current Fiscal Year	6,593		3,448
Originated, More than Five Years before Current Fiscal Year	6,623		4,015
Recorded investment	125,096		127,811
Commercial Portfolio Segment [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	2,136		43,540
Year Two, Originated, Fiscal Year before Current Fiscal Year	16,633		24,263
Year Three, Originated, Two Years before Current Fiscal Year	21,992		28,588
Year Four, Originated, Three Years before Current Fiscal Year	26,746		7,370
Year Five, Originated, Four Years before Current Fiscal Year	6,577		3,448
Originated, More than Five Years before Current Fiscal Year	6,511		3,954
Revolving	43,284		14,868
Revolving, Converted to Term Loan	92		93
Recorded investment	123,971		126,124
Year One, Originated, Current Fiscal Year	2,136		43,540
Year Two, Originated, Fiscal Year before Current Fiscal Year	16,633		24,263
Year Three, Originated, Two Years before Current Fiscal Year	21,992		28,588
Year Four, Originated, Three Years before Current Fiscal Year	26,746		7,370
Year Five, Originated, Four Years before Current Fiscal Year	6,577		3,448
Originated, More than Five Years before Current Fiscal Year	6,511		3,954
Recorded investment	123,971		126,124
Commercial Portfolio Segment [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		151
Year Two, Originated, Fiscal Year before Current Fiscal Year	145		67
Year Three, Originated, Two Years before Current Fiscal Year	63		569
Year Four, Originated, Three Years before Current Fiscal Year	189		12
Year Five, Originated, Four Years before Current Fiscal Year	9		0
Originated, More than Five Years before Current Fiscal Year	112		61
Revolving	536		755
Revolving, Converted to Term Loan	0		0
Recorded investment	1,054		1,615
Year One, Originated, Current Fiscal Year	0		151
Year Two, Originated, Fiscal Year before Current Fiscal Year	145		67
Year Three, Originated, Two Years before Current Fiscal Year	63		569
Year Four, Originated, Three Years before Current Fiscal Year	189		12
Year Five, Originated, Four Years before Current Fiscal Year	9		0
Originated, More than Five Years before Current Fiscal Year	112		61
Recorded investment	1,054		1,615
Commercial Portfolio Segment [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		8
Year Five, Originated, Four Years before Current Fiscal Year	7		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	7		8
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		8
Year Five, Originated, Four Years before Current Fiscal Year	7		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	7		8
Commercial Portfolio Segment [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	64		64
Revolving, Converted to Term Loan	0		0
Recorded investment	64		64
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	64		64
Farmland [Member]
Year One, Originated, Current Fiscal Year	408		1,543
Year Two, Originated, Fiscal Year before Current Fiscal Year	1,792		5,854
Year Three, Originated, Two Years before Current Fiscal Year	5,805		5,867
Year Four, Originated, Three Years before Current Fiscal Year	5,818		5,309
Year Five, Originated, Four Years before Current Fiscal Year	5,248		2,280
Originated, More than Five Years before Current Fiscal Year	18,207		16,602
Revolving	962		1,201
Revolving, Converted to Term Loan	139		143
Recorded investment	38,379		38,799
Year One, Originated, Current Fiscal Year, Writeoff	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0		0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0		0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	0		0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		0
Originated, More than Five Years before Current Fiscal Year, Writeoff	0		0
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	0	0	0
Year One, Originated, Current Fiscal Year	408		1,543
Year Two, Originated, Fiscal Year before Current Fiscal Year	1,792		5,854
Year Three, Originated, Two Years before Current Fiscal Year	5,805		5,867
Year Four, Originated, Three Years before Current Fiscal Year	5,818		5,309
Year Five, Originated, Four Years before Current Fiscal Year	5,248		2,280
Originated, More than Five Years before Current Fiscal Year	18,207		16,602
Recorded investment	38,379		38,799
Farmland [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	408		1,543
Year Two, Originated, Fiscal Year before Current Fiscal Year	1,792		5,854
Year Three, Originated, Two Years before Current Fiscal Year	5,805		5,867
Year Four, Originated, Three Years before Current Fiscal Year	5,818		5,309
Year Five, Originated, Four Years before Current Fiscal Year	5,248		2,280
Originated, More than Five Years before Current Fiscal Year	18,203		16,591
Revolving	962		1,201
Revolving, Converted to Term Loan	139		143
Recorded investment	38,375		38,788
Year One, Originated, Current Fiscal Year	408		1,543
Year Two, Originated, Fiscal Year before Current Fiscal Year	1,792		5,854
Year Three, Originated, Two Years before Current Fiscal Year	5,805		5,867
Year Four, Originated, Three Years before Current Fiscal Year	5,818		5,309
Year Five, Originated, Four Years before Current Fiscal Year	5,248		2,280
Originated, More than Five Years before Current Fiscal Year	18,203		16,591
Recorded investment	38,375		38,788
Farmland [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	4		11
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	4		11
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	4		11
Recorded investment	4		11
Farmland [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Farmland [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Consumer Portfolio Segment [Member]
Year One, Originated, Current Fiscal Year	10,353		29,808
Year Two, Originated, Fiscal Year before Current Fiscal Year	27,211		25,179
Year Three, Originated, Two Years before Current Fiscal Year	23,004		12,430
Year Four, Originated, Three Years before Current Fiscal Year	10,988		4,241
Year Five, Originated, Four Years before Current Fiscal Year	3,544		586
Originated, More than Five Years before Current Fiscal Year	580		236
Revolving	178		194
Revolving, Converted to Term Loan	0		0
Recorded investment	75,858		72,674
Year One, Originated, Current Fiscal Year, Writeoff	6		63
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	23		140
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	19		265
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	76		56
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		35
Originated, More than Five Years before Current Fiscal Year, Writeoff	2		1
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	126	106	560
Year One, Originated, Current Fiscal Year	10,353		29,808
Year Two, Originated, Fiscal Year before Current Fiscal Year	27,211		25,179
Year Three, Originated, Two Years before Current Fiscal Year	23,004		12,430
Year Four, Originated, Three Years before Current Fiscal Year	10,988		4,241
Year Five, Originated, Four Years before Current Fiscal Year	3,544		586
Originated, More than Five Years before Current Fiscal Year	580		236
Recorded investment	75,858		72,674
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	10,353		29,800
Year Two, Originated, Fiscal Year before Current Fiscal Year	27,211		25,179
Year Three, Originated, Two Years before Current Fiscal Year	23,004		12,422
Year Four, Originated, Three Years before Current Fiscal Year	10,980		4,241
Year Five, Originated, Four Years before Current Fiscal Year	3,544		586
Originated, More than Five Years before Current Fiscal Year	580		236
Revolving	178		194
Revolving, Converted to Term Loan	0		0
Recorded investment	75,850		72,658
Year One, Originated, Current Fiscal Year	10,353		29,800
Year Two, Originated, Fiscal Year before Current Fiscal Year	27,211		25,179
Year Three, Originated, Two Years before Current Fiscal Year	23,004		12,422
Year Four, Originated, Three Years before Current Fiscal Year	10,980		4,241
Year Five, Originated, Four Years before Current Fiscal Year	3,544		586
Originated, More than Five Years before Current Fiscal Year	580		236
Recorded investment	75,850		72,658
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	0		8
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		8
Year Four, Originated, Three Years before Current Fiscal Year	8		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	8		16
Year One, Originated, Current Fiscal Year	0		8
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		8
Year Four, Originated, Three Years before Current Fiscal Year	8		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	8		16
Land Development [Member]
Year One, Originated, Current Fiscal Year	257		4,449
Year Two, Originated, Fiscal Year before Current Fiscal Year	6,304		2,005
Year Three, Originated, Two Years before Current Fiscal Year	1,991		353
Year Four, Originated, Three Years before Current Fiscal Year	345		512
Year Five, Originated, Four Years before Current Fiscal Year	468		285
Originated, More than Five Years before Current Fiscal Year	756		504
Revolving	3,220		4,507
Revolving, Converted to Term Loan	0		0
Recorded investment	13,341		12,615
Year One, Originated, Current Fiscal Year, Writeoff	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0		0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0		0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	0		0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		0
Originated, More than Five Years before Current Fiscal Year, Writeoff	0		0
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	0	0	0
Year One, Originated, Current Fiscal Year	257		4,449
Year Two, Originated, Fiscal Year before Current Fiscal Year	6,304		2,005
Year Three, Originated, Two Years before Current Fiscal Year	1,991		353
Year Four, Originated, Three Years before Current Fiscal Year	345		512
Year Five, Originated, Four Years before Current Fiscal Year	468		285
Originated, More than Five Years before Current Fiscal Year	756		504
Recorded investment	13,341		12,615
Land Development [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	257		4,449
Year Two, Originated, Fiscal Year before Current Fiscal Year	6,304		2,005
Year Three, Originated, Two Years before Current Fiscal Year	1,991		353
Year Four, Originated, Three Years before Current Fiscal Year	345		512
Year Five, Originated, Four Years before Current Fiscal Year	468		285
Originated, More than Five Years before Current Fiscal Year	756		504
Revolving	3,220		4,507
Revolving, Converted to Term Loan	0		0
Recorded investment	13,341		12,615
Year One, Originated, Current Fiscal Year	257		4,449
Year Two, Originated, Fiscal Year before Current Fiscal Year	6,304		2,005
Year Three, Originated, Two Years before Current Fiscal Year	1,991		353
Year Four, Originated, Three Years before Current Fiscal Year	345		512
Year Five, Originated, Four Years before Current Fiscal Year	468		285
Originated, More than Five Years before Current Fiscal Year	756		504
Recorded investment	13,341		12,615
Land Development [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Land Development [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Land Development [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Commercial Real Estate Portfolio Segment [Member]
Allowance for Credit Loss, Writeoff	0	$ 0
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	1,643		16,207
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,029		20,615
Year Three, Originated, Two Years before Current Fiscal Year	20,128		34,572
Year Four, Originated, Three Years before Current Fiscal Year	34,157		22,069
Year Five, Originated, Four Years before Current Fiscal Year	21,615		15,197
Originated, More than Five Years before Current Fiscal Year	56,647		43,048
Revolving	12,375		11,835
Revolving, Converted to Term Loan	136		0
Recorded investment	165,730		163,543
Year One, Originated, Current Fiscal Year, Writeoff	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0		0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0		0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	0		0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		0
Originated, More than Five Years before Current Fiscal Year, Writeoff	0		0
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	0		0
Year One, Originated, Current Fiscal Year	1,643		16,207
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,029		20,615
Year Three, Originated, Two Years before Current Fiscal Year	20,128		34,572
Year Four, Originated, Three Years before Current Fiscal Year	34,157		22,069
Year Five, Originated, Four Years before Current Fiscal Year	21,615		15,197
Originated, More than Five Years before Current Fiscal Year	56,647		43,048
Recorded investment	165,730		163,543
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	2,823		16,395
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,797		37,241
Year Three, Originated, Two Years before Current Fiscal Year	36,753		22,324
Year Four, Originated, Three Years before Current Fiscal Year	22,091		23,564
Year Five, Originated, Four Years before Current Fiscal Year	23,278		11,616
Originated, More than Five Years before Current Fiscal Year	45,465		34,570
Revolving	718		819
Revolving, Converted to Term Loan	0		0
Recorded investment	150,925		146,529
Year One, Originated, Current Fiscal Year, Writeoff	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	0		0
Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	0		0
Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	0		0
Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	0		0
Originated, More than Five Years before Current Fiscal Year, Writeoff	0		0
Revolving, Writeoff	0		0
Revolving, Converted to Term Loan, Writeoff	0		0
Allowance for Credit Loss, Writeoff	0		0
Year One, Originated, Current Fiscal Year	2,823		16,395
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,797		37,241
Year Three, Originated, Two Years before Current Fiscal Year	36,753		22,324
Year Four, Originated, Three Years before Current Fiscal Year	22,091		23,564
Year Five, Originated, Four Years before Current Fiscal Year	23,278		11,616
Originated, More than Five Years before Current Fiscal Year	45,465		34,570
Recorded investment	150,925		146,529
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	1,643		16,207
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,029		20,615
Year Three, Originated, Two Years before Current Fiscal Year	20,128		34,572
Year Four, Originated, Three Years before Current Fiscal Year	34,157		21,405
Year Five, Originated, Four Years before Current Fiscal Year	20,961		14,877
Originated, More than Five Years before Current Fiscal Year	55,894		41,035
Revolving	12,223		11,684
Revolving, Converted to Term Loan	136		0
Recorded investment	164,171		160,395
Year One, Originated, Current Fiscal Year	1,643		16,207
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,029		20,615
Year Three, Originated, Two Years before Current Fiscal Year	20,128		34,572
Year Four, Originated, Three Years before Current Fiscal Year	34,157		21,405
Year Five, Originated, Four Years before Current Fiscal Year	20,961		14,877
Originated, More than Five Years before Current Fiscal Year	55,894		41,035
Recorded investment	164,171		160,395
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	2,823		16,395
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,797		37,241
Year Three, Originated, Two Years before Current Fiscal Year	36,753		22,324
Year Four, Originated, Three Years before Current Fiscal Year	22,091		23,564
Year Five, Originated, Four Years before Current Fiscal Year	23,278		11,616
Originated, More than Five Years before Current Fiscal Year	45,465		34,570
Revolving	718		819
Revolving, Converted to Term Loan	0		0
Recorded investment	150,925		146,529
Year One, Originated, Current Fiscal Year	2,823		16,395
Year Two, Originated, Fiscal Year before Current Fiscal Year	19,797		37,241
Year Three, Originated, Two Years before Current Fiscal Year	36,753		22,324
Year Four, Originated, Three Years before Current Fiscal Year	22,091		23,564
Year Five, Originated, Four Years before Current Fiscal Year	23,278		11,616
Originated, More than Five Years before Current Fiscal Year	45,465		34,570
Recorded investment	150,925		146,529
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		650
Year Five, Originated, Four Years before Current Fiscal Year	640		320
Originated, More than Five Years before Current Fiscal Year	504		1,708
Revolving	152		151
Revolving, Converted to Term Loan	0		0
Recorded investment	1,296		2,829
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		650
Year Five, Originated, Four Years before Current Fiscal Year	640		320
Originated, More than Five Years before Current Fiscal Year	504		1,708
Recorded investment	1,296		2,829
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	249		254
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	249		254
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	249		254
Recorded investment	249		254
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		14
Year Five, Originated, Four Years before Current Fiscal Year	14		0
Originated, More than Five Years before Current Fiscal Year	0		51
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	14		65
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		14
Year Five, Originated, Four Years before Current Fiscal Year	14		0
Originated, More than Five Years before Current Fiscal Year	0		51
Recorded investment	14		65
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Non-owner Occupied Loans [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	0		0
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	0		0
Recorded investment	0		0
Residential Rea Estate and Consumer Segments [Member]
Year One, Originated, Current Fiscal Year	13,310		46,483
Year Two, Originated, Fiscal Year before Current Fiscal Year	44,994		48,630
Year Three, Originated, Two Years before Current Fiscal Year	46,180		42,564
Year Four, Originated, Three Years before Current Fiscal Year	40,266		59,057
Year Five, Originated, Four Years before Current Fiscal Year	56,873		19,477
Originated, More than Five Years before Current Fiscal Year	46,429		29,096
Revolving	24,875		24,429
Revolving, Converted to Term Loan	75		81
Recorded investment	273,002		269,817
Year One, Originated, Current Fiscal Year	13,310		46,483
Year Two, Originated, Fiscal Year before Current Fiscal Year	44,994		48,630
Year Three, Originated, Two Years before Current Fiscal Year	46,180		42,564
Year Four, Originated, Three Years before Current Fiscal Year	40,266		59,057
Year Five, Originated, Four Years before Current Fiscal Year	56,873		19,477
Originated, More than Five Years before Current Fiscal Year	46,429		29,096
Recorded investment	273,002		269,817
Residential Rea Estate and Consumer Segments [Member] | Performing Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	13,310		46,475
Year Two, Originated, Fiscal Year before Current Fiscal Year	44,994		48,630
Year Three, Originated, Two Years before Current Fiscal Year	46,051		42,279
Year Four, Originated, Three Years before Current Fiscal Year	39,985		59,057
Year Five, Originated, Four Years before Current Fiscal Year	56,873		19,477
Originated, More than Five Years before Current Fiscal Year	46,364		29,028
Revolving	24,875		24,429
Revolving, Converted to Term Loan	75		81
Recorded investment	272,527		269,456
Year One, Originated, Current Fiscal Year	13,310		46,475
Year Two, Originated, Fiscal Year before Current Fiscal Year	44,994		48,630
Year Three, Originated, Two Years before Current Fiscal Year	46,051		42,279
Year Four, Originated, Three Years before Current Fiscal Year	39,985		59,057
Year Five, Originated, Four Years before Current Fiscal Year	56,873		19,477
Originated, More than Five Years before Current Fiscal Year	46,364		29,028
Recorded investment	272,527		269,456
Residential Rea Estate and Consumer Segments [Member] | Nonperforming Financial Instruments [Member]
Year One, Originated, Current Fiscal Year	0		8
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	129		285
Year Four, Originated, Three Years before Current Fiscal Year	281		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	65		68
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	475		361
Year One, Originated, Current Fiscal Year	0		8
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	129		285
Year Four, Originated, Three Years before Current Fiscal Year	281		0
Year Five, Originated, Four Years before Current Fiscal Year	0		0
Originated, More than Five Years before Current Fiscal Year	65		68
Recorded investment	475		361
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member]
Year One, Originated, Current Fiscal Year	7,267		82,285
Year Two, Originated, Fiscal Year before Current Fiscal Year	63,700		90,045
Year Three, Originated, Two Years before Current Fiscal Year	86,732		92,273
Year Four, Originated, Three Years before Current Fiscal Year	89,346		58,844
Year Five, Originated, Four Years before Current Fiscal Year	57,202		32,826
Originated, More than Five Years before Current Fiscal Year	127,698		98,739
Revolving	61,159		34,049
Revolving, Converted to Term Loan	367		236
Recorded investment	493,471		489,297
Year One, Originated, Current Fiscal Year	7,267		82,285
Year Two, Originated, Fiscal Year before Current Fiscal Year	63,700		90,045
Year Three, Originated, Two Years before Current Fiscal Year	86,732		92,273
Year Four, Originated, Three Years before Current Fiscal Year	89,346		58,844
Year Five, Originated, Four Years before Current Fiscal Year	57,202		32,826
Originated, More than Five Years before Current Fiscal Year	127,698		98,739
Recorded investment	493,471		489,297
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Pass [Member]
Year One, Originated, Current Fiscal Year	7,267		82,134
Year Two, Originated, Fiscal Year before Current Fiscal Year	63,555		89,978
Year Three, Originated, Two Years before Current Fiscal Year	86,669		91,704
Year Four, Originated, Three Years before Current Fiscal Year	89,157		58,160
Year Five, Originated, Four Years before Current Fiscal Year	56,532		32,506
Originated, More than Five Years before Current Fiscal Year	126,829		96,654
Revolving	60,407		33,079
Revolving, Converted to Term Loan	367		236
Recorded investment	490,783		484,451
Year One, Originated, Current Fiscal Year	7,267		82,134
Year Two, Originated, Fiscal Year before Current Fiscal Year	63,555		89,978
Year Three, Originated, Two Years before Current Fiscal Year	86,669		91,704
Year Four, Originated, Three Years before Current Fiscal Year	89,157		58,160
Year Five, Originated, Four Years before Current Fiscal Year	56,532		32,506
Originated, More than Five Years before Current Fiscal Year	126,829		96,654
Recorded investment	490,783		484,451
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Special Mention [Member]
Year One, Originated, Current Fiscal Year	0		151
Year Two, Originated, Fiscal Year before Current Fiscal Year	145		67
Year Three, Originated, Two Years before Current Fiscal Year	63		569
Year Four, Originated, Three Years before Current Fiscal Year	189		662
Year Five, Originated, Four Years before Current Fiscal Year	649		320
Originated, More than Five Years before Current Fiscal Year	620		1,780
Revolving	688		906
Revolving, Converted to Term Loan	0		0
Recorded investment	2,354		4,455
Year One, Originated, Current Fiscal Year	0		151
Year Two, Originated, Fiscal Year before Current Fiscal Year	145		67
Year Three, Originated, Two Years before Current Fiscal Year	63		569
Year Four, Originated, Three Years before Current Fiscal Year	189		662
Year Five, Originated, Four Years before Current Fiscal Year	649		320
Originated, More than Five Years before Current Fiscal Year	620		1,780
Recorded investment	2,354		4,455
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Substandard [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		8
Year Five, Originated, Four Years before Current Fiscal Year	7		0
Originated, More than Five Years before Current Fiscal Year	249		254
Revolving	0		0
Revolving, Converted to Term Loan	0		0
Recorded investment	256		262
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		8
Year Five, Originated, Four Years before Current Fiscal Year	7		0
Originated, More than Five Years before Current Fiscal Year	249		254
Recorded investment	256		262
Commercial, Commercial Real Estate, Farmland and Land Development Segment [Member] | Doubtful [Member]
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		14
Year Five, Originated, Four Years before Current Fiscal Year	14		0
Originated, More than Five Years before Current Fiscal Year	0		51
Revolving	64		64
Revolving, Converted to Term Loan	0		0
Recorded investment	78		129
Year One, Originated, Current Fiscal Year	0		0
Year Two, Originated, Fiscal Year before Current Fiscal Year	0		0
Year Three, Originated, Two Years before Current Fiscal Year	0		0
Year Four, Originated, Three Years before Current Fiscal Year	0		14
Year Five, Originated, Four Years before Current Fiscal Year	14		0
Originated, More than Five Years before Current Fiscal Year	0		51
Recorded investment	$ 78		$ 129

Note 4 - Fair Value (Details Te

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

Note 4 - Fair Value - Assets an

Note 4 - Fair Value - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Securities, available-for-sale	$ 272,757	$ 264,802
Equity securities	381	381
US Treasury Securities [Member]
Securities, available-for-sale	6,364	6,252
US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	25,064	24,667
US States and Political Subdivisions Debt Securities [Member]
Securities, available-for-sale	77,419	77,730
Residential Mortgage-Backed Securities [Member]
Securities, available-for-sale	79,744	79,367
Commercial Mortgage-Backed Securities [Member]
Securities, available-for-sale	7,174	6,832
Other Debt Obligations [Member]
Securities, available-for-sale	16,280	15,286
Fair Value, Recurring [Member]
Equity securities	381	381
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	381
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	6,364	6,252
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale	6,364	6,252
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	25,064	24,667
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	25,064	24,667
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	77,419	77,730
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	77,419	77,730
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	79,744	79,367
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	79,744	79,367
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	7,174	6,832
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	7,174	6,832
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	60,712	54,668
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	60,712	54,668
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	16,280	15,286
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	16,280	15,286
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale	$ 0	$ 0

Note 4 - Fair Value - Estimated

Note 4 - Fair Value - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Held-to-maturity, fair value	$ 5,625	$ 5,530
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and cash equivalents	26,925	17,723
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	26,925	17,723
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Loans held for sale	2,240	908
Accrued interest receivable	3,382	3,560
Short-term borrowings	27,101	30,007
Federal Home Loan Bank advances	8,087	13,709
Accrued interest payable	1,033	915
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Demand and Savings Deposits [Member]
Demand and savings deposits	735,274	718,653
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Time Deposits [Member]
Demand and savings deposits	263,618	254,327
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Loans held for sale	2,277	920
Accrued interest receivable	3,382	3,560
Short-term borrowings	27,101	30,007
Federal Home Loan Bank advances	7,379	12,672
Accrued interest payable	1,033	915
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Demand and Savings Deposits [Member]
Demand and savings deposits	735,274	718,653
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Time Deposits [Member]
Demand and savings deposits	263,095	253,458
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Held-to-maturity, fair value	5,948	6,054
Loans, net	758,525	751,184
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Held-to-maturity, fair value	5,625	5,530
Loans, net	$ 732,187	$ 714,205

Note 5 - Affordable Housing T_3

Note 5 - Affordable Housing Tax Credit Partnership - Schedule of Investments in Affordable Housing Projects (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Jun. 30, 2023
Affordable housing tax credit investment	$ 10,250	$ 10,250
Less: amortization	(519)	(397)
Net affordable housing tax credit investment	9,731	9,853
Unfunded commitments	$ 8,055	$ 8,279

Note 5 - Affordable Housing T_4

Note 5 - Affordable Housing Tax Credit Partnership - Schedule of Other Investments in Affordable Housing Projects (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Tax credits and other tax benefits recognized	$ 143	$ 15
Proportional amortization expense included in provision for income taxes	$ 122	$ 1

Note 6 - Earnings Per Share (De

Note 6 - Earnings Per Share (Details Textual) - shares	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	9,897	21,082

Note 6 - Earnings Per Share - S

Note 6 - Earnings Per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Net income available to common shareholders	$ 2,236	$ 2,410
Weighted average common shares outstanding (in shares)	3,119,603	3,092,945
Basic income per share (in dollars per share)	$ 0.72	$ 0.78
Dilutive effect of restricted stock (in shares)	0	0
Total common shares and dilutive potential common shares (in shares)	3,119,603	3,092,945
Dilutive income per share (in dollars per share)	$ 0.72	$ 0.78

Note 7 - Accumulated Other Co_3

Note 7 - Accumulated Other Comprehensive Income (Loss) - Components of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		3 Months Ended
		Sep. 30, 2024	Sep. 30, 2023
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)
Unrealized gains (losses) arising during the period		9,813	(9,852)
Unrealized holding losses on available-for-sale securities arising during the period, tax		(2,062)	2,069
Unrealized holding losses on available-for-sale securities arising during the period, net		7,751	(7,783)
Accumulated other comprehensive income (loss), before tax		(26,051)	(47,698)
Reclassification adjustment for net losses included in income		0	79	[1],[2]
Accumulated other comprehensive income (loss), tax		5,470	10,017
Amounts reclassified from accumulated other comprehensive income, tax	[1],[2]		(16)
Accumulated other comprehensive income (loss), net		(20,581)	(37,681)
Amounts reclassified from accumulated other comprehensive income, net	[1],[2]		63
Net current period other comprehensive loss, before tax			(9,773)
Net current period other comprehensive loss, tax			(2,053)
Other comprehensive income (loss)		$ 7,751	$ (7,720)
[1]Income tax expense[2]Securities (gains) losses, net