Greene County Bancorp (GCBC) 10-Q 10 Nov 22 2023 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Sep. 30, 2022	Nov. 09, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--06-30
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	0-25165
Entity Registrant Name	GREENE COUNTY BANCORP, INC.
Entity Central Index Key	0001070524
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	14-1809721
Entity Address, Address Line One	302 Main Street
Entity Address, City or Town	Catskill
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12414
City Area Code	518
Local Phone Number	943-2600
Title of 12(b) Security	Common Stock, $0.10 par value
Trading Symbol	GCBC
Security Exchange Name	NASDAQ
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		8,513,414

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
ASSETS
Total cash and cash equivalents	$ 66,924	$ 69,009
Long term certificates of deposit	3,856	4,107
Securities available-for-sale, at fair value	333,603	408,062
Securities held-to-maturity, at amortized cost (fair value $673,436 at September 30, 2022; $710,453 at June 30, 2022)	752,869	761,852
Equity securities, at fair value	254	273
Federal Home Loan Bank stock, at cost	2,445	6,803
Loans	1,349,929	1,251,987
Allowance for loan losses	(22,147)	(22,761)
Unearned origination fees and costs, net	69	129
Net loans receivable	1,327,851	1,229,355
Premises and equipment, net	14,303	14,362
Bank owned life insurance	54,034	53,695
Accrued interest receivable	10,536	8,917
Foreclosed real estate	0	68
Prepaid expenses and other assets	17,546	15,237
Total assets	2,584,221	2,571,740
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	183,186	187,697
Interest-bearing deposits	2,143,677	2,024,907
Total deposits	2,326,863	2,212,604
Borrowings from Federal Home Loan Bank, short-term	23,400	123,700
Subordinated notes payable, net	49,356	49,310
Accrued expenses and other liabilities	25,016	28,412
Total liabilities	2,424,635	2,414,026
SHAREHOLDERS' EQUITY
Preferred stock, Authorized - 1,000,000 shares; Issued - None	0	0
Common stock, par value $0.10 per share; Authorized - 12,000,000 shares; Issued - 8,611,340; Outstanding - 8,513,414 shares at September 30, 2022, and June 30, 2022	861	861
Additional paid-in capital	11,017	11,017
Retained earnings	173,617	165,127
Accumulated other comprehensive loss	(25,001)	(18,383)
Treasury stock, at cost 97,926 shares at September 30, 2022, and June 30, 2022	(908)	(908)
Total shareholders' equity	159,586	157,714
Total liabilities and shareholders' equity	$ 2,584,221	$ 2,571,740

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
ASSETS
Securities held-to-maturity, fair value	$ 673,436	$ 710,453
SHAREHOLDERS' EQUITY
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.1	$ 0.1
Common stock, shares authorized (in shares)	12,000,000	12,000,000
Common stock, shares issued (in shares)	8,611,340	8,611,340
Common stock, shares outstanding (in shares)	8,513,414	8,513,414
Treasury stock, shares (in shares)	97,926	97,926

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Interest income:
Loans	$ 13,382	$ 12,067
Investment securities - taxable	664	343
Mortgage-backed securities	1,490	1,070
Investment securities - tax exempt	3,077	2,091
Interest-bearing deposits and federal funds sold	27	42
Total interest income	18,640	15,613
Interest expense:
Interest on deposits	2,010	848
Interest on borrowings	796	366
Total interest expense	2,806	1,214
Net interest income	15,834	14,399
Provision for loan losses	(499)	988
Net interest income after provision for loan losses	16,333	13,411
Noninterest income:
Service charges on deposit accounts	1,217	1,069
Debit card fees	1,142	1,083
Investment services	180	213
E-commerce fees	26	33
Bank owned life insurance	340	301
Other operating income	193	230
Total noninterest income	3,098	2,929
Noninterest expense:
Salaries and employee benefits	5,428	4,737
Occupancy expense	524	505
Equipment and furniture expense	158	156
Service and data processing fees	702	638
Computer software, supplies and support	381	378
Advertising and promotion	76	101
FDIC insurance premiums	242	220
Legal and professional fees	451	396
Other	835	830
Total noninterest expense	8,797	7,961
Income before provision for income taxes	10,634	8,379
Provision for income taxes	1,598	1,265
Net income	$ 9,036	$ 7,114
Basic earnings per share (in dollars per share)	$ 1.06	$ 0.84
Diluted earnings per share (in dollars per share)	$ 1.06	$ 0.84
Basic average shares outstanding (in shares)	8,513,414	8,513,414
Diluted average shares outstanding (in shares)	8,513,414	8,513,414
Dividends per share (in dollars per share)	$ 0.14	$ 0.13

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Consolidated Statements of Comprehensive Income [Abstract]
Net Income	$ 9,036	$ 7,114
Other comprehensive loss:
Unrealized holding losses on available-for-sale securities, gross	(9,031)	(1,848)
Tax effect	(2,413)	(494)
Unrealized holding losses on available-for-sale securities, net	(6,618)	(1,354)
Total other comprehensive loss, net of taxes	(6,618)	(1,354)
Comprehensive income	$ 2,418	$ 5,760

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Jun. 30, 2021	$ 861	$ 11,017	$ 139,775	$ (1,161)	$ (908)	$ 149,584
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividends declared			(508)			(508)
Net Income			7,114			7,114
Other comprehensive loss, net of taxes				(1,354)		(1,354)
Balance at Sep. 30, 2021	861	11,017	146,381	(2,515)	(908)	154,836
Balance at Jun. 30, 2022	861	11,017	165,127	(18,383)	(908)	157,714
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividends declared			(546)			(546)
Net Income			9,036			9,036
Other comprehensive loss, net of taxes				(6,618)		(6,618)
Balance at Sep. 30, 2022	$ 861	$ 11,017	$ 173,617	$ (25,001)	$ (908)	$ 159,586

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net Income	$ 9,036	$ 7,114
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	213	205
Deferred income tax benefit	(262)	(355)
Net amortization of investment premiums and discounts	755	860
Net amortization (accretion) of deferred loan costs and fees	76	(1,388)
Amortization of subordinated debt issuance costs	46	25
Provision for loan losses	(499)	988
Bank owned life insurance income	(340)	(301)
Net loss on equity securities	19	10
Loss on sale of foreclosed real estate	5	0
Net (decrease) increase in accrued income taxes	(72)	239
Net increase in accrued interest receivable	(1,619)	(524)
Net decrease in prepaid expenses and other assets	439	776
Net decrease in accrued expense and other liabilities	(3,396)	(752)
Net cash provided by operating activities	4,401	6,897
Securities available-for-sale:
Proceeds from maturities	80,476	71,939
Purchases of securities	(22,256)	(102,400)
Proceeds from principal payments on securities	6,898	6,646
Securities held-to-maturity:
Proceeds from maturities	21,539	9,322
Purchases of securities	(21,292)	(95,756)
Proceeds from principal payments on securities	8,297	7,077
Net redemption of Federal Home Loan Bank Stock	4,358	0
Maturity of long-term certificates of deposit	245	180
Purchase of bank owned life insurance	0	(7,000)
Net increase in loans receivable	(98,073)	(10,469)
Proceeds from sale of foreclosed real estate	63	0
Purchases of premises and equipment	(154)	(229)
Net cash used by investing activities	(19,899)	(120,690)
Cash flows from financing activities:
Net decrease in short-term FHLB advances	(100,300)	0
Net decrease in short-term advances from other banks	0	(3,000)
Net proceeds from subordinated notes payable	0	29,501
Payment of cash dividends	(546)	(508)
Net increase in deposits	114,259	51,354
Net cash provided by financing activities	13,413	77,347
Net decrease in cash and cash equivalents	(2,085)	(36,446)
Cash and cash equivalents at beginning of period	69,009	149,775
Cash and cash equivalents at end of period	66,924	113,329
Cash paid during period for:
Interest	3,266	1,374
Income taxes	$ 1,932	$ 1,381

Basis of Presentation

Basis of Presentation	3 Months Ended
	Sep. 30, 2022
Basis of Presentation [Abstract]
Basis of Presentation	(1) Basis of Presentation Within the accompanying unaudited consolidated statements of financial condition, and related notes to the consolidated financial statements, June 30, 2022 data were derived from the audited consolidated financial statements of Greene County Bancorp, Inc. (the “Company”) and its wholly owned subsidiaries, The Bank of Greene County (the “Bank”) and Greene Risk Management, Inc., and the Bank’s wholly owned subsidiaries, Greene County Commercial Bank (the “Commercial Bank”) and Greene Property Holdings, Ltd. The consolidated financial statements at and for the three months ended September 30, 2022 and 2021 are unaudited. The financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and notes required by GAAP for complete financial statements. To the extent that information and notes required by GAAP for complete financial statements are contained in or are consistent with the audited financial statements incorporated by reference to Greene County Bancorp, Inc.’s Annual Report on Form 10-K for the year ended June 30, 2022, such information and notes have not been duplicated herein. In the opinion of management, all adjustments (consisting of only normal recurring items) necessary for a fair presentation of the financial position and results of operations and cash flows at and for the periods presented have been included. The Company had no material reclassifications from amounts in the prior year’s consolidated financial statements to conform to the current year’s presentation. All material inter-company accounts and transactions have been eliminated in the consolidation. The results of operations and other data for the three months ended September 30, 2022 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2023. These consolidated financial statements consider events that occurred through the date the consolidated financial statements were issued and should be read in conjunction with the audited consolidated financial statements and notes included in the Company’s Annual Report on Form 10-K.

Nature of Operations

Nature of Operations	3 Months Ended
	Sep. 30, 2022
Nature of Operations [Abstract]
Nature of Operations	(2) Nature of Operations The Company’s primary business is the ownership and operation of its subsidiaries. At September 30, 2022, the Bank has 17 full-service offices and an operations center located in its market area consisting of the Hudson Valley and Capital District Regions of New York State. The Bank is primarily engaged in the business of attracting deposits from the general public in the Bank’s market area, and investing such deposits, together with other sources of funds, in loans and investment securities. The Commercial Bank’s primary business is to attract deposits from, and provide banking services to, local municipalities. Greene Property Holdings, Ltd. was formed as a New York corporation that has elected under the Internal Revenue Code to be a real estate investment trust. Currently, certain mortgages and loan notes held by the Bank are transferred and beneficially owned by Greene Property Holdings, Ltd. The Bank continues to service these loans. Greene Risk Management, Inc. was formed in December 2014 as a pooled captive insurance company subsidiary of the Company, incorporated in the State of Nevada. The purpose of this company is to provide additional insurance coverage for the Company and its subsidiaries related to the operations of the Company for which insurance may not be economically feasible.

Use of Estimates

Use of Estimates	3 Months Ended
	Sep. 30, 2022
Use of Estimates [Abstract]
Use of Estimates	(3) Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could materially differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the assessment of other-than-temporary security impairment. While management uses available information to recognize losses on loans, future additions to the allowance for loan losses (the “Allowance”) may be necessary, based on changes in economic conditions, asset quality or other factors. In addition, various regulatory authorities, as an integral part of their examination process, periodically review the Allowance. Such authorities may require the Company to recognize additions to the Allowance based on their judgments of information available to them at the time of their examination. The Company makes an assessment to determine whether there have been any events or economic circumstances to indicate that a security on which there is an unrealized loss is impaired on an other-than-temporary basis. The Company considers many factors including the severity and duration of the impairment; the intent and ability of the Company to hold the security for a period of time sufficient for a recovery in value; recent events specific to the issuer or industry; and for debt securities, intent to sell the security, whether it is more likely than not we will be required to sell the security before recovery, whether loss is expected, external credit ratings and recent downgrades. Securities on which there is an unrealized loss that is deemed to be other-than-temporary are written down to fair value through earnings.

Securities

Securities	3 Months Ended
	Sep. 30, 2022
Securities [Abstract]
Securities	(4) Securities Securities at September 30, 2022 consisted of the following: (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities available-for-sale: U.S. government sponsored enterprises $ 13,064 $ - $ 2,400 $ 10,664 U.S. treasury securities 20,131 - 2,505 17,626 State and political subdivisions 189,759 40 895 188,904 Mortgage-backed securities-residential 31,994 - 4,826 27,168 Mortgage-backed securities-multi-family 93,359 - 20,123 73,236 Corporate debt securities 17,891 - 1,886 16,005 Total securities available-for-sale 366,198 40 32,635 333,603 Securities held-to-maturity: U.S. treasury securities 33,644 - 2,701 30,943 State and political subdivisions 493,463 1,437 52,136 442,764 Mortgage-backed securities-residential 40,901 - 4,023 36,878 Mortgage-backed securities-multi-family 164,925 - 20,875 144,050 Corporate debt securities 19,895 2 1,137 18,760 Other securities 41 - - 41 Total securities held-to-maturity 752,869 1,439 80,872 673,436 Total securities $ 1,119,067 $ 1,479 $ 113,507 $ 1,007,039 Securities at June 30, 2022 consisted of the following: (In thousands) Amortized Cost Gross Unrealized Gross Unrealized Estimated Fair Value Securities available-for-sale: U.S. government sponsored enterprises $ 13,066 $ - $ 1,747 $ 11,319 U.S. treasury securities 20,158 - 1,731 18,427 State and political subdivisions 247,978 374 276 248,076 Mortgage-backed securities-residential 33,186 - 3,289 29,897 Mortgage-backed securities-multi-family 99,353 - 15,644 83,709 Corporate debt securities 17,884 - 1,250 16,634 Total securities available-for-sale 431,625 374 23,937 408,062 Securities held-to-maturity: U.S. treasury securities 33,623 - 1,643 31,980 State and political subdivisions 493,897 2,760 35,747 460,910 Mortgage-backed securities-residential 42,461 1 2,242 40,220 Mortgage-backed securities-multi-family 171,921 2 13,895 158,028 Corporate debt securities 19,900 16 651 19,265 Other securities 50 - - 50 Total securities held-to-maturity 761,852 2,779 54,178 710,453 Total securities $ 1,193,477 $ 3,153 $ 78,115 $ 1,118,515 The Company’s current policies generally limit securities investments to U.S. Government and securities of government sponsored enterprises, federal funds sold, municipal bonds, corporate debt obligations, subordinated debt of banks and certain mutual funds. In addition, the Company’s policies permit investments in mortgage-backed securities, including securities issued and guaranteed by Fannie Mae, Freddie Mac, and GNMA, and collateralized mortgage obligations issued by these entities. As of September 30, 2022, all mortgage-backed securities including collateralized mortgage obligations were securities of government sponsored enterprises, no private-label mortgage-backed securities or collateralized mortgage obligations were held in the securities portfolio. The Company’s investments in state and political subdivisions securities generally are municipal obligations that are general obligations supported by the general taxing authority of the issuer, and in some cases are insured. The obligations issued by school districts are supported by state aid. Primarily, these investments are issued by municipalities within New York State. The Company’s current securities investment strategy utilizes a risk management approach of diversified investing among three categories: short-, intermediate- and long-term. The emphasis of this approach is to increase overall investment securities yields while managing interest rate risk. The Company will only invest in high quality securities as determined by management’s analysis at the time of purchase. The Company generally does not engage in any derivative or hedging transactions, such as interest rate swaps or caps. The following table shows fair value and gross unrealized losses, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2022. Less Than 12 Months More Than 12 Months Total (In thousands, except number of securities) Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Number of Securities available-for-sale: U.S. government sponsored enterprises $ 9,087 $ 1,977 4 $ 1,577 $ 423 1 $ 10,664 $ 2,400 5 U.S. treasury securities 17,626 2,505 8 - - - 17,626 2,505 8 State and political subdivisions 166,656 895 130 - - - 166,656 895 130 Mortgage-backed securities-residential 25,817 4,555 29 1,351 271 1 27,168 4,826 30 Mortgage-backed securities-multi-family 60,166 15,341 25 13,070 4,782 7 73,236 20,123 32 Corporate debt securities 16,005 1,886 16 - - - 16,005 1,886 16 Total securities available-for-sale 295,357 27,159 212 15,998 5,476 9 311,355 32,635 221 Securities held-to-maturity: U.S. treasury securities 30,943 2,701 9 - - - 30,943 2,701 9 State and political subdivisions 386,038 51,224 4,691 2,601 912 27 388,639 52,136 4,718 Mortgage-backed securities-residential 36,878 4,023 33 - - - 36,878 4,023 33 Mortgage-backed securities-multi-family 144,050 20,875 66 - - - 144,050 20,875 66 Corporate debt securities 11,260 1,137 12 - - - 11,260 1,137 12 Total securities held-to-maturity 609,169 79,960 4,811 2,601 912 27 611,770 80,872 4,838 Total securities $ 904,526 $ 107,119 5,023 $ 18,599 $ 6,388 36 $ 923,125 $ 113,507 5,059 The following table shows fair value and gross unrealized losses, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at June 30, 2022. Less Than 12 Months More Than 12 Months Total (In thousands, except number of securities) Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Losses Number of Securities Securities available-for-sale: U.S. government sponsored enterprises $ 11,319 $ 1,747 5 $ - $ - - $ 11,319 $ 1,747 5 U.S. treasury securities 18,427 1,731 8 - - - 18,427 1,731 8 State and political subdivisions 140,324 276 148 - - - 140,324 276 148 Mortgage-backed securities-residential 29,872 3,289 27 - - - 29,872 3,289 27 Mortgage-backed securities-multi-family 71,631 12,868 29 12,078 2,776 5 83,709 15,644 34 Corporate debt securities 16,634 1,250 16 - - - 16,634 1,250 16 Total securities available-for-sale 288,207 21,161 233 12,078 2,776 5 300,285 23,937 238 Securities held-to-maturity: U.S. treasury securities 31,980 1,643 9 - - - 31,980 1,643 9 State and political subdivisions 353,837 35,564 2,362 735 183 5 354,572 35,747 2,367 Mortgage-backed securities-residential 39,865 2,242 27 - - - 39,865 2,242 27 Mortgage-backed securities-multi-family 155,726 13,895 68 - - - 155,726 13,895 68 Corporate debt securities 10,751 651 11 - - - 10,751 651 11 Total securities held-to-maturity 592,159 53,995 2,477 735 183 5 592,894 54,178 2,482 Total securities $ 880,366 $ 75,156 2,710 $ 12,813 $ 2,959 10 $ 893,179 $ 78,115 2,720 When the fair value of a held-to-maturity or available-for-sale security is less than its amortized cost basis, an assessment is made as to whether other-than-temporary impairment (“OTTI”) is present. The Company considers numerous factors when determining whether a potential OTTI exists and the period over which the debt security is expected to recover. The principal factors considered are (1) the length of time and the extent to which the fair value has been less than the amortized cost basis, (2) the financial condition of the issuer (and guarantor, if any) and adverse conditions specifically related to the security, industry or geographic area, (3) failure of the issuer of the security to make scheduled interest or principal payments, (4) any changes to the rating of the security by a rating agency, and (5) the presence of credit enhancements, if any, including the guarantee of the federal government or any of its agencies. For debt securities, OTTI is considered to have occurred if (1) the Company intends to sell the security before recovery of its amortized cost basis, (2) it is more likely than not the Company will be required to sell the security before recovery of its amortized cost basis, or (3) if the present value of expected cash flows is not sufficient to recover the entire amortized cost basis. In determining the present value of expected cash flows, the Company discounts the expected cash flows at the effective interest rate implicit in the security at the date of acquisition. In estimating cash flows expected to be collected, the Company uses available information with respect to security prepayment speeds, default rates and severity. In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. For debt securities, credit-related OTTI is recognized in earnings while noncredit-related OTTI on securities not expected to be sold is recognized in other comprehensive income/loss (“OCI”). Credit-related OTTI is measured as the difference between the present value of an impaired security’s expected cash flows and its amortized cost basis. Noncredit-related OTTI is measured as the difference between the fair value of the security and its amortized cost less any credit-related losses recognized. For securities classified as held-to-maturity, the amount of OTTI recognized in OCI is accreted to the credit-adjusted expected cash flow amounts of the securities over future periods. For equity securities, the entire amount of OTTI is recognized in earnings. During the quarter ended September 30, 2022, interest rates have increased, causing the unrealized loss on debt securities to increase, which does not indicate OTTI. Management has evaluated securities considering the other factors as outlined above, and based on this evaluation the Company does not consider these investments to be other-than-temporarily impaired at September 30, 2022. There were no transfers of securities available-for-sale to held-to-maturity during the three months ended September 30, 2022 or 2021. During the three months ended September 30, 2022 and 2021, there were no sales of securities and no gains or losses were recognized. There was no other-than-temporary impairment loss recognized during the three months ended September 30, 2022 and 2021. The estimated fair values of debt securities at September 30, 2022, by contractual maturity are shown below. Expected maturities may differ from contractual maturities, because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. (In thousands) Available-for-sale debt securities Amortized Cost Fair Value Within one year $ 189,675 $ 188,822 After one year through five years 25,056 22,495 After five years through ten years 24,614 20,701 After ten years 1,500 1,181 Total 240,845 233,199 Mortgage-backed securities 125,353 100,404 Total available-for-sale securities 366,198 333,603 Held-to-maturity debt securities Within one year 65,466 64,499 After one year through five years 168,220 160,831 After five years through ten years 137,726 126,601 After ten years 175,631 140,577 Total 547,043 492,508 Mortgage-backed securities 205,826 180,928 Total held-to-maturity securities 752,869 673,436 Total debt securities $ 1,119,067 $ 1,007,039 At September 30, 2022 and June 30, 2022, securities with an aggregate fair value of $839.0 million and $892.9 million, respectively, were pledged as collateral for deposits in excess of FDIC insurance limits for various municipalities placing deposits with the Commercial Bank. At September 30, 2022 and June 30, 2022, securities with an aggregate fair value of $16.7 million and $17.4 million, respectively, were pledged as collateral for potential borrowings at the Federal Reserve Bank discount window. The Company did not participate in any securities lending programs during the three months ended September 30, 2022 or 2021. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. This stock is restricted in that it can only be sold to the FHLB or to another member institution, and all sales of FHLB stock must be at par. As a result of these restrictions, FHLB stock is carried at cost. FHLB stock is held as a long-term investment and its value is determined based on the ultimate recoverability of the par value. Impairment of this investment is evaluated quarterly and is a matter of judgment that reflects management’s view of the FHLB’s long-term performance, which includes factors such as the following: its operating performance; the severity and duration of declines in the fair value of its net assets related to its capital stock amount; its commitment to make payments required by law or regulation and the level of such payments in relation to its operating performance; the impact of legislative and regulatory changes on the FHLB, and accordingly, on the members of the FHLB; and its liquidity and funding position. After evaluating these considerations, the Company concluded that the par value of its investment in FHLB stock will be recovered and, therefore, no other-than-temporary impairment charge was recorded during the three months ended September 30, 2022 or 2021.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	3 Months Ended
	Sep. 30, 2022
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	(5) Loans and Allowance for Loan Losses Loan segments and classes at September 30, 2022 and June 30, 2022 are summarized as follows: (In thousands) September 30, 2022 June 30, 2022 Residential real estate: Residential real estate $ 368,142 $ 360,824 Residential construction and land 18,226 15,298 Multi-family 67,088 63,822 Commercial real estate: Commercial real estate 677,622 595,635 Commercial construction 81,599 83,748 Consumer loan: Home equity 19,520 17,877 Consumer installment 4,546 4,512 Commercial loans 113,186 110,271 Total gross loans 1,349,929 1,251,987 Allowance for loan losses (22,147 ) (22,761 ) Deferred fees and cost, net 69 129 Loans receivable, net $ 1,327,851 $ 1,229,355 Management closely monitors the quality of the loan portfolio and has established a loan review process designed to help grade the quality and profitability of the Company’s loan portfolio. The credit quality grade helps management make a consistent assessment of each loan relationship’s credit risk. Consistent with regulatory guidelines, the Company provides for the classification of loans considered being of lesser quality. Such ratings coincide with the “Substandard,” “Doubtful” and “Loss” classifications used by federal regulators in their examination of financial institutions. Generally, an asset is considered Substandard if it is inadequately protected by the current net worth and paying capacity of the obligors and/or the collateral pledged. Substandard assets include those characterized by the distinct possibility that the insured financial institution will sustain some loss if the deficiencies are not corrected. Assets classified as Doubtful have all the weaknesses inherent in assets classified Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable. Assets classified as Loss are those considered uncollectible and of such little value that their continuance as assets without the establishment of a full loss reserve and/or charge-off is not warranted. Assets that do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories but otherwise possess weaknesses are designated “Special Mention.” When the Company classifies problem assets as either Substandard or Doubtful, it generally establishes a specific valuation allowance or “loss reserve” in an amount deemed prudent by management. General allowances represent loss allowances that have been established to recognize the inherent risk associated with lending activities, but which, unlike specific allowances, have not been allocated to particular loans. When the Company identifies problem loans as being impaired, it is required to evaluate whether the Company will be able to collect all amounts due either through repayments or the liquidation of the underlying collateral. If it is determined that impairment exists, the Company is required either to establish a specific allowance for losses equal to the amount of impairment of the assets, or to charge-off such amount. The Company’s determination as to the classification of its loans and the amount of its valuation allowance is subject to review by its regulatory agencies, which can order the establishment of additional general or specific loss allowances. The Company reviews its portfolio quarterly to determine whether any assets require classification in accordance with applicable regulations. The Company primarily has four segments within its loan portfolio that it considers when measuring credit quality: residential real estate loans, commercial real estate loans, consumer loans and commercial loans. The residential real estate portfolio consists of residential, construction, and multi-family loan classes. Commercial real estate loans consist of commercial real estate and commercial construction loan classes. Consumer loans consist of home equity loan and consumer installment loan classes. The inherent risk within the loan portfolio varies depending upon each of these loan types. Residential mortgage loans, including home equity loans, which are collateralized by residences are generally made in amounts up to 85.0% of the appraised value of the property. In the event of default by the borrower the Company will acquire and liquidate the underlying collateral. By originating the loan at a loan-to-value ratio of 85.0% or less, the Company limits its risk of loss in the event of default. However, the market values of the collateral may be adversely impacted by declines in the economy. Home equity loans may have an additional inherent risk if the Company does not hold the first mortgage. The Company may stand in a secondary position in the event of collateral liquidation resulting in a greater chance of insufficiency to meet all obligations. Construction lending generally involves a greater degree of risk than other residential mortgage lending. The repayment of the construction loan is, to a great degree, dependent upon the successful and timely completion of the construction of the subject property within specified cost limits. The Company completes inspections during the construction phase prior to any disbursements. The Company limits its risk during the construction as disbursements are not made until the required work for each advance has been completed. Construction delays may further impair the borrower’s ability to repay the loan. Loans collateralized by commercial real estate, and multi-family dwellings, such as apartment buildings generally are larger than residential loans and involve a greater degree of risk. Commercial real estate loans often involve large loan balances to single borrowers or groups of related borrowers. Payments on these loans depend to a large degree on the results of operations and management of the properties or underlying businesses, and may be affected to a greater extent by adverse conditions in the real estate market or the economy in general. Accordingly, the nature of commercial real estate loans makes them more difficult for management to monitor and evaluate. Consumer loans generally have shorter terms and higher interest rates than residential mortgage loans. In addition, consumer loans expand the products and services offered by the Company to better meet the financial services needs of its customers. Consumer loans generally involve greater credit risk than residential mortgage loans because of the difference in the nature of the underlying collateral. Repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance because of the greater likelihood of damage, loss or depreciation in the underlying collateral. The remaining deficiency often does not warrant further substantial collection efforts against the borrower beyond obtaining a deficiency judgment. In addition, consumer loan collections depend on the borrower’s personal financial stability. Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered on such loans. Commercial lending generally involves greater risk than residential mortgage lending and involves risks that are different from those associated with residential and commercial real estate mortgage lending. Real estate lending is generally considered to be collateral-based, with loan amounts based on fixed loan-to-collateral values, and liquidation of the underlying real estate collateral is viewed as the primary source of repayment in the event of borrower default. Although commercial loans may be collateralized by equipment or other business assets, the liquidation of collateral in the event of a borrower default is often an insufficient source of repayment because equipment and other business assets may be obsolete or of limited use, among other things. Accordingly, the repayment of a commercial loan depends primarily on the creditworthiness of the borrower (and any guarantors), while liquidation of collateral is a secondary and often insufficient source of repayment. The Company has formed relationships with other community banks within our region to participate in larger commercial loan relationships. These types of loans are generally considered to be riskier due to the size and complexity of the loan relationship. By entering into a participation agreement with the other bank, the Company can obtain the loan relationship while limiting its exposure to credit loss. Management completes its due diligence in underwriting these loans and monitors the servicing of these loans. Loan balances by internal credit quality indicator at September 30, 2022 are shown below. ( In thousands Performing Special Mention Substandard Total Residential real estate $ 362,984 $ 25 $ 5,133 $ 368,142 Residential construction and land 18,226 - - 18,226 Multi-family 66,998 90 - 67,088 Commercial real estate 642,999 8,758 25,865 677,622 Commercial construction 81,599 - - 81,599 Home equity 19,013 - 507 19,520 Consumer installment 4,536 - 10 4,546 Commercial loans 108,033 579 4,574 113,186 Total gross loans $ 1,304,388 $ 9,452 $ 36,089 $ 1,349,929 Loan balances by internal credit quality indicator at June 30, 2022 are shown below. (In thousands Performing Special Mention Substandard Total Residential real estate $ 355,474 $ 28 $ 5,322 $ 360,824 Residential construction and land 15,297 - 1 15,298 Multi-family 63,730 92 - 63,822 Commercial real estate 555,451 13,777 26,407 595,635 Commercial construction 83,748 - - 83,748 Home equity 17,369 - 508 17,877 Consumer installment 4,500 - 12 4,512 Commercial loans 104,364 996 4,911 110,271 Total gross loans $ 1,199,933 $ 14,893 $ 37,161 $ 1,251,987 The Company had no loans classified doubtful or loss at September 30, 2022 or June 30, 2022. During the quarter ended September 30, 2022, the Company upgraded commercial real estate loans and commercial loans from special mention to pass, due to improvements in borrower cash flows and improving financial performance. In total there were 10 commercial real estate loans and 3 commercial loans that have been upgraded to pass from special mention. There were also loan payoffs during the quarter ended September 30, 2022, comprised of 1 commercial real estate loan and 2 commercial loans that were classified as substandard. This was offset by 5 commercial real estate loans downgraded to substandard and special mention during the current quarter. At September 30, 2022, these loans were all performing. Management continues to monitor these loan relationships closely. Nonaccrual Loans Management places loans on nonaccrual status once the loans have become 90 days or more delinquent. A nonaccrual loan is defined as a loan in which collectability is questionable and therefore interest on the loan will no longer be recognized on an accrual basis. A loan is not placed back on accrual status until the borrower has demonstrated the ability and willingness to make timely payments on the loan. A loan does not have to be 90 days delinquent in order to be classified as nonaccrual. Loans on nonaccrual status totaled $5.4 million at September 30, 2022 of which $480,000 were in the process of foreclosure. At September 30, 2022, there were four residential loans totaling $378,000 and one commercial real estate loan for $102,000 in the process of foreclosure. Included in nonaccrual loans were $4.7 million of loans which were less than 90 days past due at September 30, 2022, but have a recent history of delinquency greater than 90 days past due. These loans will be returned to accrual status once they have demonstrated a history of timely payments. Included in total loans past due were $1.2 million of loans which were making payments pursuant to forbearance agreements. Under the forbearance agreements, the customers have made arrangements with the Bank to bring the loans current over a specified period of time (resulting in an insignificant delay in repayment). During this term of the forbearance agreement, the Bank has agreed not to continue foreclosure proceedings. Loans on nonaccrual status totaled $6.3 million at June 30, 2022 of which $528,000 were in the process of foreclosure. At June 30, 2022, there were three residential loans in the process of foreclosure totaling $426,000 and one commercial real estate loan for $102,000 in the process of foreclosure. Included in nonaccrual loans were $4.4 million of loans which were less than 90 days past due at June 30, 2022, but have a recent history of delinquency greater than 90 days past due. The decrease in nonperforming loans during the period was primarily due to $543,000 in loan repayments, $134,000 in loans returning to performing status, $7,000 in charge-offs, and $286,000 in principal payments received, partially offset by $83,000 of loans placed into nonperforming status. The following table sets forth information regarding delinquent and/or nonaccrual loans at September 30, 2022: (In thousands) 30-59 days past due 60-89 days past due 90 days or more past due Total past due Current Total Loans Loans on Non- accrual Residential real estate $ - $ 1,680 $ 389 $ 2,069 $ 366,073 $ 368,142 $ 2,733 Residential construction and land - - - - 18,226 18,226 - Multi-family - - - - 67,088 67,088 - Commercial real estate - 90 123 213 677,409 677,622 796 Commercial construction - - - - 81,599 81,599 - Home equity 48 39 140 227 19,293 19,520 187 Consumer installment 30 1 - 31 4,515 4,546 - Commercial loans - 94 34 128 113,058 113,186 1,715 Total gross loans $ 78 $ 1,904 $ 686 $ 2,668 $ 1,347,261 $ 1,349,929 $ 5,431 The following table sets forth information regarding delinquent and/or nonaccrual loans at June 30, 2022: (In thousands) 30-59 days past due 60-89 days past due 90 days or more past due Total past due Current Total Loans Loans on Non- accrual Residential real estate $ 66 $ 1,676 $ 592 $ 2,334 $ 358,490 $ 360,824 $ 2,948 Residential construction and land - 1 - 1 15,297 15,298 1 Multi-family - - - - 63,822 63,822 - Commercial real estate - 385 1,147 1,532 594,103 595,635 1,269 Commercial construction - - - - 83,748 83,748 - Home equity 3 - 179 182 17,695 17,877 188 Consumer installment 22 17 - 39 4,473 4,512 7 Commercial loans - 28 19 47 110,224 110,271 1,904 Total gross loans $ 91 $ 2,107 $ 1,937 $ 4,135 $ 1,247,852 $ 1,251,987 $ 6,317 The Company had no accruing loans delinquent 90 days or more at September 30, 2022 and June 30, 2022. The borrowers have made arrangements with the Bank to bring the loans current within a specified time period and have made a series of payments as agreed. Impaired Loan Analysis The Company identifies impaired loans and measures the impairment in accordance with FASB ASC subtopic “ Receivables – Loan Impairment.” The tables below detail additional information on impaired loans at the date or periods indicated: As of September 30, 2022 For the three months ended September 30, 2022 (In thousands) Recorded Investment Unpaid Principal Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 1,004 $ 1,004 $ - $ 986 $ 9 Commercial real estate 60 60 - 63 2 Home equity 128 128 - 128 - Consumer installment 5 5 - 5 - Commercial loans 343 343 - 344 4 Total impaired loans with no allowance 1,540 1,540 - 1,526 15 With an allowance recorded: Residential real estate 1,932 1,932 578 1,939 9 Commercial real estate 3,214 3,214 1,070 3,229 44 Commercial construction 102 102 1 102 - Home equity 320 320 5 320 4 Commercial loans 2,926 2,926 993 3,008 58 Total impaired loans with allowance 8,494 8,494 2,647 8,598 115 Total impaired: Residential real estate 2,936 2,936 578 2,925 18 Commercial real estate 3,274 3,274 1,070 3,292 46 Commercial construction 102 102 1 102 - Home equity 448 448 5 448 4 Consumer installment 5 5 - 5 - Commercial loans 3,269 3,269 993 3,352 62 Total impaired loans $ 10,034 $ 10,034 $ 2,647 $ 10,124 $ 130 As of June 30, 2022 For the three months ended September 30, 2021 (In thousands) Recorded Investment Unpaid Principal Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 990 $ 990 $ - $ 221 $ - Commercial real estate 67 67 - 445 3 Home equity 128 128 - 128 - Consumer installment 5 5 - - - Commercial loans 346 346 - 98 - Impaired loans with no allowance 1,536 1,536 - 892 $ 3 With an allowance recorded: Residential real estate 1,953 1,953 588 718 5 Commercial real estate 3,698 3,698 1,118 780 10 Commercial construction 102 102 1 102 - Home equity 320 320 44 321 3 Commercial Loans 3,162 3,162 596 3,228 40 Impaired loans with allowance 9,235 9,235 2,347 5,149 58 Total impaired: Residential real estate 2,943 2,943 588 939 5 Commercial real estate 3,765 3,765 1,118 1,225 13 Commercial construction 102 102 1 102 - Home equity 448 448 44 449 3 Consumer installment 5 5 - - - Commercial loans 3,508 3,508 596 3,326 40 Total impaired loans $ 10,771 $ 10,771 $ 2,347 $ 6,041 $ 61 The table below details loans that have been modified as a troubled debt restructuring during the periods indicated. (D ollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Current outstanding Recorded Investment For the three months ended September 30,2022 Residential real estate 2 $ 778 $ 778 $ 778 Commercial loan 1 $ 379 $ 379 $ 379 For the year ended June 30,2022 Consumer Installment 1 $ 5 $ 5 $ 5 There were no loans that had been modified as a troubled debt restructuring during the three months ended September 30, 2021. There were no loans that had been modified as a troubled debt restructuring during the twelve months prior to June 30, 2022 or 2021, which have subsequently defaulted during the three months ended September 30, 2022 or 2021. Allowance for Loan Losses The allowance for loan losses is established through a provision for loan losses based on management’s evaluation of the risk inherent in the loan portfolio, the composition of the loan portfolio, specific impaired loans and current economic conditions. Such evaluation, which includes a review of certain identified loans on which full collectability may not be reasonably assured, considers among other matters, the estimated net realizable value or the fair value of the underlying collateral, economic conditions, payment status of the loan, historical loan loss experience and other factors that warrant recognition in providing for the loan loss allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to recognize additions to the allowance based on their judgment about information available to them at the time of their examination. The Company disaggregates its loan portfolio as noted in the below allowance for loan losses tables to evaluate for impairment collectively based on historical loss experience. The Company evaluates nonaccrual loans that are over $250 thousand and all trouble debt restructured loans individually for impairment, if it is probable that the Company will not be able to collect scheduled payments of principal and interest when due, according to the contractual terms of the loan agreements. Loans that are guaranteed, such as SBA loans, are excluded from the homogeneous pool of loans and no allowance is allocated to this segment of the portfolio. The measurement of impaired loans is generally based on the fair value of the underlying collateral. The Company charges loans off against the allowance for credit losses when it becomes evident that a loan cannot be collected within a reasonable amount of time or that it will cost the Company more than it will receive, and all possible avenues of repayment have been analyzed, including the potential of future cash flow, the value of the underlying collateral, and strength of any guarantors or co-borrowers. Generally, consumer loans and smaller business loans (not secured by real estate) in excess of 90 days are charged-off against the allowance for loan losses, unless equitable arrangements are made. Included within consumer installment loan charge-offs and recoveries are deposit accounts that have been overdrawn in excess of 60 days. With continued growth in the number of deposit accounts, charge-off activity within this category has also grown, as can be seen from the tables below. For loans secured by real estate, a charge-off is recorded when it is determined that the collection of all or a portion of a loan may not be collected and the amount of that loss can be reasonably estimated. The allowance for loan losses is increased by a provision for loan losses (which results in a charge to expense) and recoveries of loans previously charged off and is reduced by charge-offs. The following tables set forth the activity and allocation of the allowance for loan losses by loan class during and at the periods indicated. The allowance is allocated to each loan class based on historical loss experience, current economic conditions, and other considerations. Activity for the three months ended September 30, 2022 (In thousands) Balance at June 30, 2022 Charge-offs Recoveries Provision Balance at September 30, 2022 Residential real estate $ 2,373 $ - $ 3 $ 95 $ 2,471 Residential construction and land 141 - - 36 177 Multi-family 119 - - 40 159 Commercial real estate 16,221 - - (829 ) 15,392 Commercial construction 1,114 - - (70 ) 1,044 Home equity 89 - - (45 ) 44 Consumer installment 349 167 46 46 274 Commercial loans 2,355 4 7 228 2,586 Total $ 22,761 $ 171 $ 56 $ (499 ) $ 22,147 Allowance for Loan Losses Loans Receivable Ending Balance At September 30, 2022 Impairment Analysis Ending Balance At September 30, 2022 Impairment Analysis (In thousands) Individually Evaluated Collectively Evaluated Individually Evaluated Collectively Evaluated Residential real estate $ 578 $ 1,893 $ 2,936 $ 365,206 Residential construction and land - 177 - 18,226 Multi-family - 159 - 67,088 Commercial real estate 1,070 14,322 3,274 674,348 Commercial construction 1 1,043 102 81,497 Home equity 5 39 448 19,072 Consumer installment - 274 5 4,541 Commercial loans 993 1,593 3,269 109,917 Total $ 2,647 $ 19,500 $ 10,034 $ 1,339,895 Activity for the three months ended September 30, 2021 (In thousands) Balance at June 30, 2021 Charge-offs Recoveries Provision Balance at September 30, 2021 Residential real estate $ 2,012 $ - $ - $ (15 ) $ 1,997 Residential construction and land 106 - - 14 120 Multi-family 186 - - (86 ) 100 Commercial real estate 13,049 - - 1,249 14,298 Commercial construction 1,535 - - (337 ) 1,198 Home equity 165 - - (25 ) 140 Consumer installment 267 104 37 90 290 Commercial loans 2,348 97 1 98 2,350 Total $ 19,668 $ 201 $ 38 $ 988 $ 20,493 Allowance for Loan Losses Loans Receivable Ending Balance June 30, 2022 Impairment Analysis Ending Balance June 30, 2022 Impairment Analysis (In thousands) Individually Evaluated Collectively Evaluated Individually Evaluated Collectively Evaluated Residential real estate $ 588 $ 1,785 $ 2,943 $ 357,881 Residential construction and land - 141 - 15,298 Multi-family - 119 - 63,822 Commercial real estate 1,118 15,103 3,765 591,870 Commercial construction 1 1,113 102 83,646 Home equity 44 45 448 17,429 Consumer installment - 349 5 4,507 Commercial loans 596 1,759 3,508 106,763 Total $ 2,347 $ 20,414 $ 10,771 $ 1,241,216 Foreclosed real estate (FRE) FRE consists of properties acquired through mortgage loan foreclosure proceedings or in full or partial satisfaction of loans. The following table sets forth information regarding FRE at: (in thousands) September 30, 2022 June 30, 2022 Residential real estate $ - $ 68 Total foreclosed real estate $ - $ 68

Fair Value Measurements and Fai

Fair Value Measurements and Fair Value of Financial Instruments	3 Months Ended
	Sep. 30, 2022
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value Measurements and Fair Value of Financial Instruments	(6) Fair Value Measurements and Fair Value of Financial Instruments Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of September 30, 2022 and 2021 and have not been re-evaluated or updated for purposes of these consolidated financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The FASB ASC Topic on “ Fair Value Measurement” Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2: Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability. An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. For assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used are as follows: Fair Value Measurements Using Quoted Prices In Active Markets For Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (In thousands) September 30, 2022 (Level 1) (Level 2) (Level 3) Assets: U.S. Government sponsored enterprises $ 10,664 $ - $ 10,664 $ - U.S. Treasury securities 17,626 - 17,626 - State and political subdivisions 188,904 - 188,904 - Mortgage-backed securities-residential 27,168 - 27,168 - Mortgage-backed securities-multi-family 73,236 - 73,236 - Corporate debt securities 16,005 - 16,005 - Securities available-for-sale $ 333,603 $ - $ 333,603 $ - Equity securities 254 254 - - Total securities measured at fair value $ 333,857 $ 254 $ 333,603 $ - Fair Value Measurements Using Quoted Prices In Active Markets For Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (In thousands) June 30, 2022 (Level 1) (Level 2) (Level 3) Assets: U.S. Government sponsored enterprises $ 11,319 $ - $ 11,319 $ - U.S. Treasury securities 18,427 - 18,427 - State and political subdivisions 248,076 - 248,076 - Mortgage-backed securities-residential 29,897 - 29,897 - Mortgage-backed securities-multi-family 83,709 - 83,709 - Corporate debt securities 16,634 - 16,634 - Securities available-for-sale 408,062 - 408,062 - Equity securities 273 273 - - Total securities measured at fair value $ 408,335 $ 273 $ 408,062 $ - Certain investments that are actively traded and have quoted market prices have been classified as Level 1 valuations. Other available-for-sale investment securities have been valued by reference to prices for similar securities or through model-based techniques in which all significant inputs are observable and, therefore, such valuations have been classified as Level 2. In addition to disclosures of the fair value of assets on a recurring basis, FASB ASC Topic on “ Fair Value Measurement” Receivables –Loan Impairment” Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell (“initial cost basis”). Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses. Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis. Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis. In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management’s plans for disposition. Either change could result in adjustment to lower the property value estimates indicated in the appraisals. These measurements are classified as Level 3 within the fair value hierarchy. Fair Value Measurements Using (In thousands) Recorded Investment Related Allowance Fair Value (Level 1) (Level 2) (Level 3) September 30 2022 Impaired loans $ 8,655 $ 2,647 $ 6,008 $ - $ - $ 6,008 June 30 2022 Impaired loans $ 9,401 $ 2,347 $ 7,054 $ - $ - $ 7,054 Foreclosed real estate 68 - 68 - - 68 The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were utilized to determine fair value: (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range Weighted Average September 30 2022 Impaired Loans $ 4,428 Appraisal of collateral (1) Appraisal adjustments (2) 7.06%-33.73 % 19.35 % Liquidation expenses (3) 3.98%-5.58 % 4.32 % 1,580 Discounted cash flow Discount rate 4.19%-11.95 % 6.39 % June 30 2022 Impaired loans $ 4,333 Appraisal of collateral (1) Appraisal adjustments (2) 7.06%-33.73 % 21.67 % Liquidation expenses (3) 3.98%-5.58 % 4.72 % 2,721 Discounted cash flow Discount rate 4.19%-11.95 % 6.21 % Foreclosed real estate 68 Appraisal of collateral (1) Appraisal adjustments (2) 10.46 % 10.46 % (1) Fair value is generally determined through independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable. (2) Appraisals may be adjusted downwards by management for qualitative factors such as economic conditions. Higher downward adjustments are caused by negative changes to the collateral or conditions in the real estate market, actual offers or sales contracts received or age of the appraisal. (3) Appraisals are adjusted downwards by management for qualitative factors such as the estimated costs to liquidate the collateral. No other financial assets or liabilities were re-measured during the year on a nonrecurring basis. The carrying amounts reported in the statements of financial condition for total cash and cash equivalents, long term certificates of deposit, accrued interest receivable and accrued interest payable approximate their fair values. Fair values of securities are based on quoted market prices (Level 1), where available, or matrix pricing (Level 2), which is a mathematical technique, used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. The carrying amount of Federal Home Loan Bank stock approximates fair value due to its restricted nature. The fair values for loans are measured using the “exit price” notion which is a reasonable estimate of what another party might pay in an orderly transaction. Fair values for variable rate loans that reprice frequently, with no significant credit risk, are based on carrying value. Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Fair values disclosed for demand and savings deposits are equal to carrying amounts at the reporting date. The carrying amounts for variable rate money market deposits approximate fair values at the reporting date. Fair values for long term certificates of deposit are estimated using discounted cash flows and interest rates currently being offered in the market on similar certificates. Fair value for Federal Home Loan Bank long term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings. The carrying value of short-term Federal Home Loan Bank borrowings approximates its fair value. Fair value for subordinated notes payable is estimated based on a discounted cash flow methodology or observations of recent highly-similar transactions. The fair value of commitments to extend credit is estimated based on an analysis of the interest rates and fees currently charged to enter into similar transactions, considering the remaining terms of the commitments and the credit-worthiness of the potential borrowers. At September 30, 2022 and June 30, 2022, the estimated fair values of these off-balance sheet financial instruments were immaterial, and are therefore excluded from the table below. The carrying amounts and estimated fair value of financial instruments are as follows: September 30, 2022 Fair Value Measurements Using (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 66,924 $ 66,924 $ 66,924 $ - $ - Long term certificates of deposit 3,856 3,703 - 3,703 - Securities available-for-sale 333,603 333,603 - 333,603 - Securities held-to-maturity 752,869 673,436 - 673,436 - Equity securities 254 254 254 - - Federal Home Loan Bank stock 2,445 2,445 - 2,445 - Net loans receivable 1,327,851 1,228,061 - - 1,228,061 Accrued interest receivable 10,536 10,536 - 10,536 - Deposits 2,326,863 2,326,913 - 2,326,913 - Borrowings 23,400 23,440 - 23,440 - Subordinated notes payable, net 49,356 45,621 - 45,621 - Accrued interest payable 143 143 - 143 - June 30, 2022 Fair Value Measurements Using (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 69,009 $ 69,009 $ 69,009 $ - $ - Long term certificates of deposit 4,107 3,993 - 3,993 - Securities available-for-sale 408,062 408,062 - 408,062 - Securities held-to-maturity 761,852 710,453 - 710,453 - Equity securities 273 273 273 - - Federal Home Loan Bank stock 6,803 6,803 - 6,803 - Net loans receivable 1,229,355 1,170,960 - - 1,170,960 Accrued interest receivable 8,917 8,917 - 8,917 - Deposits 2,212,604 2,212,743 - 2,212,743 - Borrowings 123,700 123,793 - 123,793 - Subordinated notes payable, net 49,310 49,168 - 49,168 - Accrued interest payable 603 603 - 603 -

Earnings Per Share

Earnings Per Share	3 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Share	(7) Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is computed in a manner similar to that of basic earnings per share except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding under the treasury stock method if all potentially dilutive common shares (such as stock options) issued became vested during the period. There were no dilutive or anti-dilutive securities or contracts outstanding during the three months ended September 30, 2022 and 2021. For the three months ended September 30, 2022 2021 Net Income $ 9,036,000 $ 7,114,000 Weighted Average Shares – Basic 8,513,414 8,513,414 Weighted Average Shares - Diluted 8,513,414 8,513,414 Earnings per share - Basic $ 1.06 $ 0.84 Earnings per share - Diluted $ 1.06 $ 0.84

Dividends

Dividends	3 Months Ended
	Sep. 30, 2022
Dividends [Abstract]
Dividends	(8) Dividends On July 20, 2022, the Company announced that its Board of Directors has approved a quarterly cash dividend of $0.14 per share on the Company’s common stock. The dividend reflects an annual cash dividend rate of $0.56 per share, which represents a 7.7% increase from the previous annual cash dividend rate of $0.52 per share. The dividend was payable to stockholders of record as of August 15, 2022, and was paid on August 31, 2022. Greene County Bancorp, MHC waived its right to receive this dividend.

Impact of Recent Accounting Pro

Impact of Recent Accounting Pronouncements	3 Months Ended
	Sep. 30, 2022
Impact of Recent Accounting Pronouncements [Abstract]
Impact of Recent Accounting Pronouncements	(9) Impact of Recent Accounting Pronouncements Accounting Pronouncements to be adopted in future periods In June 2016, the FASB issued an Update (ASU 2016-13) to its guidance on “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. ASU 2016-13 requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU also replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price (“gross up approach”) to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above. Further, the ASU made certain targeted amendments to the existing impairment model for available-for-sale (AFS) debt securities. For an AFS debt security for which there is neither the intent nor a more-likely-than-not requirement to sell, an entity will record credit losses as an allowance rather than a write-down of the amortized cost basis. An entity will apply the amendments in this Update through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (that is, a modified-retrospective approach). In November 2018, the FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, which aligns the implementation date for nonpublic entities’ annual financial statements with the implementation date for their interim financial statements and clarifies the scope of the guidance in the amendments in ASU 2016-13. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. The amendments to Topic 326 and other topics in ASU 2019-04 include items related to the amendments in ASU 2016-13 discussed at the June 2018 and November 2018 Credit Losses TRG meetings. The amendments clarify or address stakeholders’ specific issues about certain aspects of the amendments in ASU 2016-13 on a number of different topics, including the following: accrued interest, transfers between classifications or categories for loans and debt securities, recoveries, consideration of prepayments in determining the effective interest rate, consideration of estimated costs to sell when foreclosure is probable, vintage disclosures— line-of-credit arrangements converted to term loans, and contractual extensions and renewals. The effective dates and transition requirements for the amendments related to this Update are the same as the effective dates and transition requirements in ASU 2016-13. In November 2019, the FASB issued ASU 2019-11 Codification Improvements to Topic 326 Financial Instruments Credit Losses provides additional clarification to specific issues about certain aspects of the amendments in ASU 2016-13 related to measuring the allowance for loan losses under the new guidance. The Company is currently evaluating the potential impact on our consolidated results of operations or financial position. The initial adjustment will not be reported in earnings and therefore will not have any material impact on our consolidated results of operations, but it is expected that it will have an impact on our consolidated financial position at the date of adoption. At this time, we have not calculated the estimated impact that this Update will have on our allowance for credit losses, however, we anticipate it will have a significant impact on the methodology process we utilize to calculate the allowance. To date, the Company has implemented a detailed project plan, established a governance structure, selected a software vendor, hired resources to support the CECL modeling, incorporated data requirements and enhancements into our standard processes, selected portfolio segmentations and determined the credit loss methodology for each portfolio. We are in process of documenting accounting policy elections, processes and controls. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, excluding small reporting companies such as the Company, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. In November 2019, FASB issued ASU 2019-10, Financial Instruments – Credit Losses which amends the implementation effective date for small reporting companies, such as the Company, and non-public business entities, for fiscal years beginning after December 15, 2022. All entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company will implement this standard for the fiscal year beginning July 1, 202 3. In March 2020, the FASB issued an Update (ASU 2020-04), Reference Rate Reform (Topic 848). On January 7, 2021, the FASB issued (ASU 2021-01), which refines the scope of ASC 848 and clarifies some of its guidance. The ASU and related amendments provide temporary optional expedients and exceptions to the existing guidance for applying GAAP to affected contract modifications and hedge accounting relationships in the transition away from the London Interbank Offered Rate (“LIBOR”) or other interbank offered rate on financial reporting. The guidance also allows a one-time election to sell and/or reclassify to AFS or trading HTM debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective March 12, 2020 through December 31, 2022 and permits relief solely for reference rate reform actions and permits different elections over the effective date for legacy and new activity. The expedients and exceptions provided by the amendments do not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, that an entity has elected certain optional expedients for and that are retained through the end of the hedging relationship. The Company does not expect the impact of adopting the new guidance to have a material impact on the consolidated financial statements. The Company’s LIBOR exposure is minimal and limited to a couple of participation loans and risk participation agreements. The Company is working with the lead lenders to execute the required contract modifications. In March 2022, the FASB issued ASU No. 2022-02, amendments related to Troubled Debt Restructurings (TDRs) for all entities after they adopt ASU 2016-13 and amendments related to vintage disclosures that affect public business entities with investments in financing receivables, under Financial Instruments-Credit Losses (Topic 326). The ASU eliminates the guidance on TDRs and requires an evaluation on all loan modifications to determine if they result in a new loan or a continuation of the existing loan. The ASU also requires that entities disclose current-period gross charge-offs by year of origination and eliminates the recognition and measurement guidance for TDRs in Subtopic 310-40. The effective dates for the amendments in this Update are the same as the effective dates in |ASU 2016-13. The amendments in this Update should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. The Company will implement the Update with the adoption of ASU 2016-13 .

Employee Benefit Plans

Employee Benefit Plans	3 Months Ended
	Sep. 30, 2022
Employee Benefit Plans [Abstract]
Employee Benefit Plans	(10) Employee Benefit Plans Defined Benefit Plan The components of net periodic pension cost related to the defined benefit pension plan for the three months ended September 30, 2022 and 2021 were as follows: Three months ended September 30, (In thousands) 2022 2021 Interest cost $ 50 $ 42 Expected return on plan assets (55 ) (70 ) Amortization of net loss 27 32 Net periodic pension cost $ 22 $ 4 The interest cost, expected return on plan assets and amortization of net loss components are included in other noninterest expense on the consolidated statements of income. The Company does not anticipate that it will make any additional contributions to the defined benefit pension plan during fiscal 2023. SERP The Board of Directors of The Bank of Greene County adopted The Bank of Greene County Supplemental Executive Retirement Plan (the “SERP”), effective as of July 1, 2010. The SERP benefits certain key senior executives of the Bank who have been selected by the Board to participate. The SERP is intended to provide a benefit from the Bank upon vested retirement, death or disability or voluntary or involuntary termination of service (other than “for cause”). The SERP is more fully described in Note 9 of the consolidated financial statements for the year ended June 30, 2022. The net periodic pension costs related to the SERP for the three months ended September 30, 2022 and 2021 were $371,000 and $314,000, respectively. The total liability for the SERP was $10.6 million at September 30, 2022 and $9.9 million at June 30, 2022, and is included in accrued expenses and other liabilities. The total liability for the SERP includes both accumulated net periodic pension costs and participant contributions.

Stock-Based Compensation

Stock-Based Compensation	3 Months Ended
	Sep. 30, 2022
Stock-Based Compensation [Abstract]
Stock-Based Compensation	(11) Stock-Based Compensation Phantom Stock Option Plan and Long-term Incentive Plan The Greene County Bancorp, Inc. 2011 Phantom Stock Option and Long-term Incentive Plan (the “Plan”) was adopted effective July 1, 2011, to promote the long-term financial success of the Company and its subsidiaries by providing a means to attract, retain and reward individuals who contribute to such success and to further align their interests with those of the Company’s shareholders. The Plan is intended to provide benefits to employees and directors of the Company or any subsidiary as designated by the Compensation Committee of the Board of Directors of the Company (“Committee”). A phantom stock option represents the right to receive a cash payment on the date the award vests. The Plan is more fully described in Note 10 of the consolidated financial statements and notes thereto for the year ended June 30, 2022. A summary of the Company’s phantom stock option activity and related information for the Plan for the three months ended September 30, 2022 and 2021 were as follows: 2022 2021 Number of options outstanding at beginning of year 1,479,520 1,507,600 Options granted 403,600 475,120 Options forfeited - - Options paid in cash upon vesting (97,000 ) - Number of options outstanding at period end 1,786,120 1,982,720 (In thousands) 2022 2021 Cash paid out on options vested $ 510 $ - Compensation expense recognized $ 968 $ 810 The total liability for the Plan was $6.6 million and $6.1 million at September 30, 2022 and June 30, 2022, respectively, and is included in accrued expenses and other liabilities.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	3 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	(12) Accumulated Other Comprehensive Loss The components of accumulated other comprehensive loss at September 30, 2022 and 2021 are presented as follows: Activity for the three months ended September 30, 2022 and 2021 ( In thousands Unrealized gain (losses) on securities available-for- sale Pension Total Balance - June 30, 2021 $ 348 $ (1,509 ) $ (1,161 ) Other comprehensive loss before reclassification (1,354 ) - (1,354 ) Other comprehensive loss for the three months ended September 30, 2021 (1,354 ) - (1,354 ) Balance - September 30, 2021 $ (1,006 ) $ (1,509 ) $ (2,515 ) Balance – June 30, 2022 $ (17,268 ) $ (1,115 ) $ (18,383 ) Other comprehensive loss before reclassification (6,618 ) - (6,618 ) Other comprehensive loss for the three months ended September 30, 2022 (6,618 ) - (6,618 ) Balance - September 30, 2022 $ (23,886 ) $ (1,115 ) $ (25,001 )

Operating leases

Operating leases	3 Months Ended
	Sep. 30, 2022
Operating leases [Abstract]
Operating leases	(13) Operating leases The Company leases certain branch properties under long-term, operating lease agreements. The Company’s operating lease agreements contain non-lease components, which are accounted for separately. The Company’s lease agreements do not contain any residual value guarantee. The following includes quantitative data related to the Company’s operating leases as of September 30, 2022 and June 30, 2022, and for the three months ended September 30, 2022 and 2021: (In thousands, except weighted-average information). Operating lease amounts: September 30, 2022 June 30, 2022 Right-of-use assets $ 1,899 $ 1,980 Lease liabilities $ 1,961 $ 2,040 For the three months ended September 30, 2022 2021 (In thousands) Other information: Operating outgoing cash flows from operating leases $ 89 $ 87 Lease costs: Operating lease cost $ 81 $ 80 Variable lease cost $ 10 $ 10 The following is a schedule by year of the undiscounted cash flows of the operating lease liabilities, as of September 30, 2022: (in thousands) Within the twelve months ended 2023 $ 361 2024 376 2025 375 2026 346 2027 278 Thereafter 347 Total undiscounted cash flow 2,083 Less net present value adjustment (122 ) Lease Liability $ 1,961 Weighted-average remaining lease term (Years) 4.63 Weighted-average discount rate 2.14 % Right-of-use assets are included in prepaid expenses and other assets accrued expenses and other liabilities

Commitments and Contingent Liab

Commitments and Contingent Liabilities	3 Months Ended
	Sep. 30, 2022
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	(14) Commitments and Contingent Liabilities In the normal course of business there are various commitments and contingent liabilities outstanding pertaining to the granting of loans and the lines of credit, which are not reflected in the accompanying consolidated financial statements. The Company’s unfunded loan commitments and unused lines of credit are as follows: (In thousands) September 30, 2022 June 30, 2022 Unfunded loan commitments $ 147,171 $ 213,420 Unused lines of credit 90,083 85,971 Standby letters of credit 889 189 Total commitments $ 238,143 $ 299,580 Commitments to extend credit in the form of loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being fully drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral, if any, required upon an extension of credit is based on management’s evaluation of customer credit. Commitments to extend mortgage credit are primarily collateralized by first liens on real estate. Collateral on extensions of commercial lines of credit vary but may include accounts receivable, inventory, property, plant and equipment, and income producing commercial property.

Subsequent events

Subsequent events	3 Months Ended
	Sep. 30, 2022
Subsequent events [Abstract]
Subsequent events	(15) Subsequent events On October 19, 2022, the Board of Directors announced a cash dividend for the quarter ended September 30, 2022 of $0.14 per share on Greene County Bancorp, Inc.’s common stock. The dividend reflects an annual cash dividend rate of $0.56 per share, which was the same rate as the dividend declared during the previous quarter. The dividend will be payable to stockholders of record as of November 15, 2022, and is expected to be paid on November 30, 2022. The Greene County Bancorp, MHC intends to waive its receipt of this dividend.

Basis of Presentation (Policies

Basis of Presentation (Policies)	3 Months Ended
	Sep. 30, 2022
Basis of Presentation [Abstract]
Basis of Presentation	Within the accompanying unaudited consolidated statements of financial condition, and related notes to the consolidated financial statements, June 30, 2022 data were derived from the audited consolidated financial statements of Greene County Bancorp, Inc. (the “Company”) and its wholly owned subsidiaries, The Bank of Greene County (the “Bank”) and Greene Risk Management, Inc., and the Bank’s wholly owned subsidiaries, Greene County Commercial Bank (the “Commercial Bank”) and Greene Property Holdings, Ltd. The consolidated financial statements at and for the three months ended September 30, 2022 and 2021 are unaudited. The financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and notes required by GAAP for complete financial statements. To the extent that information and notes required by GAAP for complete financial statements are contained in or are consistent with the audited financial statements incorporated by reference to Greene County Bancorp, Inc.’s Annual Report on Form 10-K for the year ended June 30, 2022, such information and notes have not been duplicated herein. In the opinion of management, all adjustments (consisting of only normal recurring items) necessary for a fair presentation of the financial position and results of operations and cash flows at and for the periods presented have been included. The Company had no material reclassifications from amounts in the prior year’s consolidated financial statements to conform to the current year’s presentation. All material inter-company accounts and transactions have been eliminated in the consolidation. The results of operations and other data for the three months ended September 30, 2022 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2023. These consolidated financial statements consider events that occurred through the date the consolidated financial statements were issued and should be read in conjunction with the audited consolidated financial statements and notes included in the Company’s Annual Report on Form 10-K.

Use of Estimates (Policies)

Use of Estimates (Policies)	3 Months Ended
	Sep. 30, 2022
Use of Estimates [Abstract]
Use of Estimates	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could materially differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the assessment of other-than-temporary security impairment. While management uses available information to recognize losses on loans, future additions to the allowance for loan losses (the “Allowance”) may be necessary, based on changes in economic conditions, asset quality or other factors. In addition, various regulatory authorities, as an integral part of their examination process, periodically review the Allowance. Such authorities may require the Company to recognize additions to the Allowance based on their judgments of information available to them at the time of their examination. The Company makes an assessment to determine whether there have been any events or economic circumstances to indicate that a security on which there is an unrealized loss is impaired on an other-than-temporary basis. The Company considers many factors including the severity and duration of the impairment; the intent and ability of the Company to hold the security for a period of time sufficient for a recovery in value; recent events specific to the issuer or industry; and for debt securities, intent to sell the security, whether it is more likely than not we will be required to sell the security before recovery, whether loss is expected, external credit ratings and recent downgrades. Securities on which there is an unrealized loss that is deemed to be other-than-temporary are written down to fair value through earnings.

Securities (Policies)

Securities (Policies)	3 Months Ended
	Sep. 30, 2022
Securities [Abstract]
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. This stock is restricted in that it can only be sold to the FHLB or to another member institution, and all sales of FHLB stock must be at par. As a result of these restrictions, FHLB stock is carried at cost. FHLB stock is held as a long-term investment and its value is determined based on the ultimate recoverability of the par value. Impairment of this investment is evaluated quarterly and is a matter of judgment that reflects management’s view of the FHLB’s long-term performance, which includes factors such as the following: its operating performance; the severity and duration of declines in the fair value of its net assets related to its capital stock amount; its commitment to make payments required by law or regulation and the level of such payments in relation to its operating performance; the impact of legislative and regulatory changes on the FHLB, and accordingly, on the members of the FHLB; and its liquidity and funding position. After evaluating these considerations, the Company concluded that the par value of its investment in FHLB stock will be recovered and, therefore, no other-than-temporary impairment charge was recorded during the three months ended September 30, 2022 or 2021.

Impact of Recent Accounting P_2

Impact of Recent Accounting Pronouncements (Policies)	3 Months Ended
	Sep. 30, 2022
Impact of Recent Accounting Pronouncements [Abstract]
Impact of Recent Accounting Pronouncements	Accounting Pronouncements to be adopted in future periods In June 2016, the FASB issued an Update (ASU 2016-13) to its guidance on “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. ASU 2016-13 requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU also replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price (“gross up approach”) to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above. Further, the ASU made certain targeted amendments to the existing impairment model for available-for-sale (AFS) debt securities. For an AFS debt security for which there is neither the intent nor a more-likely-than-not requirement to sell, an entity will record credit losses as an allowance rather than a write-down of the amortized cost basis. An entity will apply the amendments in this Update through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (that is, a modified-retrospective approach). In November 2018, the FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, which aligns the implementation date for nonpublic entities’ annual financial statements with the implementation date for their interim financial statements and clarifies the scope of the guidance in the amendments in ASU 2016-13. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. The amendments to Topic 326 and other topics in ASU 2019-04 include items related to the amendments in ASU 2016-13 discussed at the June 2018 and November 2018 Credit Losses TRG meetings. The amendments clarify or address stakeholders’ specific issues about certain aspects of the amendments in ASU 2016-13 on a number of different topics, including the following: accrued interest, transfers between classifications or categories for loans and debt securities, recoveries, consideration of prepayments in determining the effective interest rate, consideration of estimated costs to sell when foreclosure is probable, vintage disclosures— line-of-credit arrangements converted to term loans, and contractual extensions and renewals. The effective dates and transition requirements for the amendments related to this Update are the same as the effective dates and transition requirements in ASU 2016-13. In November 2019, the FASB issued ASU 2019-11 Codification Improvements to Topic 326 Financial Instruments Credit Losses provides additional clarification to specific issues about certain aspects of the amendments in ASU 2016-13 related to measuring the allowance for loan losses under the new guidance. The Company is currently evaluating the potential impact on our consolidated results of operations or financial position. The initial adjustment will not be reported in earnings and therefore will not have any material impact on our consolidated results of operations, but it is expected that it will have an impact on our consolidated financial position at the date of adoption. At this time, we have not calculated the estimated impact that this Update will have on our allowance for credit losses, however, we anticipate it will have a significant impact on the methodology process we utilize to calculate the allowance. To date, the Company has implemented a detailed project plan, established a governance structure, selected a software vendor, hired resources to support the CECL modeling, incorporated data requirements and enhancements into our standard processes, selected portfolio segmentations and determined the credit loss methodology for each portfolio. We are in process of documenting accounting policy elections, processes and controls. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, excluding small reporting companies such as the Company, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. In November 2019, FASB issued ASU 2019-10, Financial Instruments – Credit Losses which amends the implementation effective date for small reporting companies, such as the Company, and non-public business entities, for fiscal years beginning after December 15, 2022. All entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company will implement this standard for the fiscal year beginning July 1, 202 3. In March 2020, the FASB issued an Update (ASU 2020-04), Reference Rate Reform (Topic 848). On January 7, 2021, the FASB issued (ASU 2021-01), which refines the scope of ASC 848 and clarifies some of its guidance. The ASU and related amendments provide temporary optional expedients and exceptions to the existing guidance for applying GAAP to affected contract modifications and hedge accounting relationships in the transition away from the London Interbank Offered Rate (“LIBOR”) or other interbank offered rate on financial reporting. The guidance also allows a one-time election to sell and/or reclassify to AFS or trading HTM debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective March 12, 2020 through December 31, 2022 and permits relief solely for reference rate reform actions and permits different elections over the effective date for legacy and new activity. The expedients and exceptions provided by the amendments do not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, that an entity has elected certain optional expedients for and that are retained through the end of the hedging relationship. The Company does not expect the impact of adopting the new guidance to have a material impact on the consolidated financial statements. The Company’s LIBOR exposure is minimal and limited to a couple of participation loans and risk participation agreements. The Company is working with the lead lenders to execute the required contract modifications. In March 2022, the FASB issued ASU No. 2022-02, amendments related to Troubled Debt Restructurings (TDRs) for all entities after they adopt ASU 2016-13 and amendments related to vintage disclosures that affect public business entities with investments in financing receivables, under Financial Instruments-Credit Losses (Topic 326). The ASU eliminates the guidance on TDRs and requires an evaluation on all loan modifications to determine if they result in a new loan or a continuation of the existing loan. The ASU also requires that entities disclose current-period gross charge-offs by year of origination and eliminates the recognition and measurement guidance for TDRs in Subtopic 310-40. The effective dates for the amendments in this Update are the same as the effective dates in |ASU 2016-13. The amendments in this Update should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. The Company will implement the Update with the adoption of ASU 2016-13 .

Securities (Tables)

Securities (Tables)	3 Months Ended
	Sep. 30, 2022
Securities [Abstract]
Components of Securities	Securities at September 30, 2022 consisted of the following: (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities available-for-sale: U.S. government sponsored enterprises $ 13,064 $ - $ 2,400 $ 10,664 U.S. treasury securities 20,131 - 2,505 17,626 State and political subdivisions 189,759 40 895 188,904 Mortgage-backed securities-residential 31,994 - 4,826 27,168 Mortgage-backed securities-multi-family 93,359 - 20,123 73,236 Corporate debt securities 17,891 - 1,886 16,005 Total securities available-for-sale 366,198 40 32,635 333,603 Securities held-to-maturity: U.S. treasury securities 33,644 - 2,701 30,943 State and political subdivisions 493,463 1,437 52,136 442,764 Mortgage-backed securities-residential 40,901 - 4,023 36,878 Mortgage-backed securities-multi-family 164,925 - 20,875 144,050 Corporate debt securities 19,895 2 1,137 18,760 Other securities 41 - - 41 Total securities held-to-maturity 752,869 1,439 80,872 673,436 Total securities $ 1,119,067 $ 1,479 $ 113,507 $ 1,007,039 Securities at June 30, 2022 consisted of the following: (In thousands) Amortized Cost Gross Unrealized Gross Unrealized Estimated Fair Value Securities available-for-sale: U.S. government sponsored enterprises $ 13,066 $ - $ 1,747 $ 11,319 U.S. treasury securities 20,158 - 1,731 18,427 State and political subdivisions 247,978 374 276 248,076 Mortgage-backed securities-residential 33,186 - 3,289 29,897 Mortgage-backed securities-multi-family 99,353 - 15,644 83,709 Corporate debt securities 17,884 - 1,250 16,634 Total securities available-for-sale 431,625 374 23,937 408,062 Securities held-to-maturity: U.S. treasury securities 33,623 - 1,643 31,980 State and political subdivisions 493,897 2,760 35,747 460,910 Mortgage-backed securities-residential 42,461 1 2,242 40,220 Mortgage-backed securities-multi-family 171,921 2 13,895 158,028 Corporate debt securities 19,900 16 651 19,265 Other securities 50 - - 50 Total securities held-to-maturity 761,852 2,779 54,178 710,453 Total securities $ 1,193,477 $ 3,153 $ 78,115 $ 1,118,515
Securities in Continuous Unrealized Loss Position	The following table shows fair value and gross unrealized losses, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2022. Less Than 12 Months More Than 12 Months Total (In thousands, except number of securities) Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Number of Securities available-for-sale: U.S. government sponsored enterprises $ 9,087 $ 1,977 4 $ 1,577 $ 423 1 $ 10,664 $ 2,400 5 U.S. treasury securities 17,626 2,505 8 - - - 17,626 2,505 8 State and political subdivisions 166,656 895 130 - - - 166,656 895 130 Mortgage-backed securities-residential 25,817 4,555 29 1,351 271 1 27,168 4,826 30 Mortgage-backed securities-multi-family 60,166 15,341 25 13,070 4,782 7 73,236 20,123 32 Corporate debt securities 16,005 1,886 16 - - - 16,005 1,886 16 Total securities available-for-sale 295,357 27,159 212 15,998 5,476 9 311,355 32,635 221 Securities held-to-maturity: U.S. treasury securities 30,943 2,701 9 - - - 30,943 2,701 9 State and political subdivisions 386,038 51,224 4,691 2,601 912 27 388,639 52,136 4,718 Mortgage-backed securities-residential 36,878 4,023 33 - - - 36,878 4,023 33 Mortgage-backed securities-multi-family 144,050 20,875 66 - - - 144,050 20,875 66 Corporate debt securities 11,260 1,137 12 - - - 11,260 1,137 12 Total securities held-to-maturity 609,169 79,960 4,811 2,601 912 27 611,770 80,872 4,838 Total securities $ 904,526 $ 107,119 5,023 $ 18,599 $ 6,388 36 $ 923,125 $ 113,507 5,059 The following table shows fair value and gross unrealized losses, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at June 30, 2022. Less Than 12 Months More Than 12 Months Total (In thousands, except number of securities) Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Losses Number of Securities Fair Value Unrealized Losses Number of Securities Securities available-for-sale: U.S. government sponsored enterprises $ 11,319 $ 1,747 5 $ - $ - - $ 11,319 $ 1,747 5 U.S. treasury securities 18,427 1,731 8 - - - 18,427 1,731 8 State and political subdivisions 140,324 276 148 - - - 140,324 276 148 Mortgage-backed securities-residential 29,872 3,289 27 - - - 29,872 3,289 27 Mortgage-backed securities-multi-family 71,631 12,868 29 12,078 2,776 5 83,709 15,644 34 Corporate debt securities 16,634 1,250 16 - - - 16,634 1,250 16 Total securities available-for-sale 288,207 21,161 233 12,078 2,776 5 300,285 23,937 238 Securities held-to-maturity: U.S. treasury securities 31,980 1,643 9 - - - 31,980 1,643 9 State and political subdivisions 353,837 35,564 2,362 735 183 5 354,572 35,747 2,367 Mortgage-backed securities-residential 39,865 2,242 27 - - - 39,865 2,242 27 Mortgage-backed securities-multi-family 155,726 13,895 68 - - - 155,726 13,895 68 Corporate debt securities 10,751 651 11 - - - 10,751 651 11 Total securities held-to-maturity 592,159 53,995 2,477 735 183 5 592,894 54,178 2,482 Total securities $ 880,366 $ 75,156 2,710 $ 12,813 $ 2,959 10 $ 893,179 $ 78,115 2,720
Investments Classified by Contractual Maturity Date	The estimated fair values of debt securities at September 30, 2022, by contractual maturity are shown below. Expected maturities may differ from contractual maturities, because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. (In thousands) Available-for-sale debt securities Amortized Cost Fair Value Within one year $ 189,675 $ 188,822 After one year through five years 25,056 22,495 After five years through ten years 24,614 20,701 After ten years 1,500 1,181 Total 240,845 233,199 Mortgage-backed securities 125,353 100,404 Total available-for-sale securities 366,198 333,603 Held-to-maturity debt securities Within one year 65,466 64,499 After one year through five years 168,220 160,831 After five years through ten years 137,726 126,601 After ten years 175,631 140,577 Total 547,043 492,508 Mortgage-backed securities 205,826 180,928 Total held-to-maturity securities 752,869 673,436 Total debt securities $ 1,119,067 $ 1,007,039

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	3 Months Ended
	Sep. 30, 2022
Loans and Allowance for Loan Losses [Abstract]
Major Loan Segments and Classes	Loan segments and classes at September 30, 2022 and June 30, 2022 are summarized as follows: (In thousands) September 30, 2022 June 30, 2022 Residential real estate: Residential real estate $ 368,142 $ 360,824 Residential construction and land 18,226 15,298 Multi-family 67,088 63,822 Commercial real estate: Commercial real estate 677,622 595,635 Commercial construction 81,599 83,748 Consumer loan: Home equity 19,520 17,877 Consumer installment 4,546 4,512 Commercial loans 113,186 110,271 Total gross loans 1,349,929 1,251,987 Allowance for loan losses (22,147 ) (22,761 ) Deferred fees and cost, net 69 129 Loans receivable, net $ 1,327,851 $ 1,229,355
Loan Balances by Internal Credit Quality Indicator	Loan balances by internal credit quality indicator at September 30, 2022 are shown below. ( In thousands Performing Special Mention Substandard Total Residential real estate $ 362,984 $ 25 $ 5,133 $ 368,142 Residential construction and land 18,226 - - 18,226 Multi-family 66,998 90 - 67,088 Commercial real estate 642,999 8,758 25,865 677,622 Commercial construction 81,599 - - 81,599 Home equity 19,013 - 507 19,520 Consumer installment 4,536 - 10 4,546 Commercial loans 108,033 579 4,574 113,186 Total gross loans $ 1,304,388 $ 9,452 $ 36,089 $ 1,349,929 Loan balances by internal credit quality indicator at June 30, 2022 are shown below. (In thousands Performing Special Mention Substandard Total Residential real estate $ 355,474 $ 28 $ 5,322 $ 360,824 Residential construction and land 15,297 - 1 15,298 Multi-family 63,730 92 - 63,822 Commercial real estate 555,451 13,777 26,407 595,635 Commercial construction 83,748 - - 83,748 Home equity 17,369 - 508 17,877 Consumer installment 4,500 - 12 4,512 Commercial loans 104,364 996 4,911 110,271 Total gross loans $ 1,199,933 $ 14,893 $ 37,161 $ 1,251,987
Delinquent and/or Nonaccrual Loans by Past Due Status	The following table sets forth information regarding delinquent and/or nonaccrual loans at September 30, 2022: (In thousands) 30-59 days past due 60-89 days past due 90 days or more past due Total past due Current Total Loans Loans on Non- accrual Residential real estate $ - $ 1,680 $ 389 $ 2,069 $ 366,073 $ 368,142 $ 2,733 Residential construction and land - - - - 18,226 18,226 - Multi-family - - - - 67,088 67,088 - Commercial real estate - 90 123 213 677,409 677,622 796 Commercial construction - - - - 81,599 81,599 - Home equity 48 39 140 227 19,293 19,520 187 Consumer installment 30 1 - 31 4,515 4,546 - Commercial loans - 94 34 128 113,058 113,186 1,715 Total gross loans $ 78 $ 1,904 $ 686 $ 2,668 $ 1,347,261 $ 1,349,929 $ 5,431 The following table sets forth information regarding delinquent and/or nonaccrual loans at June 30, 2022: (In thousands) 30-59 days past due 60-89 days past due 90 days or more past due Total past due Current Total Loans Loans on Non- accrual Residential real estate $ 66 $ 1,676 $ 592 $ 2,334 $ 358,490 $ 360,824 $ 2,948 Residential construction and land - 1 - 1 15,297 15,298 1 Multi-family - - - - 63,822 63,822 - Commercial real estate - 385 1,147 1,532 594,103 595,635 1,269 Commercial construction - - - - 83,748 83,748 - Home equity 3 - 179 182 17,695 17,877 188 Consumer installment 22 17 - 39 4,473 4,512 7 Commercial loans - 28 19 47 110,224 110,271 1,904 Total gross loans $ 91 $ 2,107 $ 1,937 $ 4,135 $ 1,247,852 $ 1,251,987 $ 6,317
Impaired Loans by Loan Portfolio Class	The tables below detail additional information on impaired loans at the date or periods indicated: As of September 30, 2022 For the three months ended September 30, 2022 (In thousands) Recorded Investment Unpaid Principal Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 1,004 $ 1,004 $ - $ 986 $ 9 Commercial real estate 60 60 - 63 2 Home equity 128 128 - 128 - Consumer installment 5 5 - 5 - Commercial loans 343 343 - 344 4 Total impaired loans with no allowance 1,540 1,540 - 1,526 15 With an allowance recorded: Residential real estate 1,932 1,932 578 1,939 9 Commercial real estate 3,214 3,214 1,070 3,229 44 Commercial construction 102 102 1 102 - Home equity 320 320 5 320 4 Commercial loans 2,926 2,926 993 3,008 58 Total impaired loans with allowance 8,494 8,494 2,647 8,598 115 Total impaired: Residential real estate 2,936 2,936 578 2,925 18 Commercial real estate 3,274 3,274 1,070 3,292 46 Commercial construction 102 102 1 102 - Home equity 448 448 5 448 4 Consumer installment 5 5 - 5 - Commercial loans 3,269 3,269 993 3,352 62 Total impaired loans $ 10,034 $ 10,034 $ 2,647 $ 10,124 $ 130 As of June 30, 2022 For the three months ended September 30, 2021 (In thousands) Recorded Investment Unpaid Principal Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 990 $ 990 $ - $ 221 $ - Commercial real estate 67 67 - 445 3 Home equity 128 128 - 128 - Consumer installment 5 5 - - - Commercial loans 346 346 - 98 - Impaired loans with no allowance 1,536 1,536 - 892 $ 3 With an allowance recorded: Residential real estate 1,953 1,953 588 718 5 Commercial real estate 3,698 3,698 1,118 780 10 Commercial construction 102 102 1 102 - Home equity 320 320 44 321 3 Commercial Loans 3,162 3,162 596 3,228 40 Impaired loans with allowance 9,235 9,235 2,347 5,149 58 Total impaired: Residential real estate 2,943 2,943 588 939 5 Commercial real estate 3,765 3,765 1,118 1,225 13 Commercial construction 102 102 1 102 - Home equity 448 448 44 449 3 Consumer installment 5 5 - - - Commercial loans 3,508 3,508 596 3,326 40 Total impaired loans $ 10,771 $ 10,771 $ 2,347 $ 6,041 $ 61
Loans Modified as Troubled Debt Restructuring	The table below details loans that have been modified as a troubled debt restructuring during the periods indicated. (D ollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Current outstanding Recorded Investment For the three months ended September 30,2022 Residential real estate 2 $ 778 $ 778 $ 778 Commercial loan 1 $ 379 $ 379 $ 379 For the year ended June 30,2022 Consumer Installment 1 $ 5 $ 5 $ 5
Activity and Allocation of Allowance for Loan Losses	The following tables set forth the activity and allocation of the allowance for loan losses by loan class during and at the periods indicated. The allowance is allocated to each loan class based on historical loss experience, current economic conditions, and other considerations. Activity for the three months ended September 30, 2022 (In thousands) Balance at June 30, 2022 Charge-offs Recoveries Provision Balance at September 30, 2022 Residential real estate $ 2,373 $ - $ 3 $ 95 $ 2,471 Residential construction and land 141 - - 36 177 Multi-family 119 - - 40 159 Commercial real estate 16,221 - - (829 ) 15,392 Commercial construction 1,114 - - (70 ) 1,044 Home equity 89 - - (45 ) 44 Consumer installment 349 167 46 46 274 Commercial loans 2,355 4 7 228 2,586 Total $ 22,761 $ 171 $ 56 $ (499 ) $ 22,147 Allowance for Loan Losses Loans Receivable Ending Balance At September 30, 2022 Impairment Analysis Ending Balance At September 30, 2022 Impairment Analysis (In thousands) Individually Evaluated Collectively Evaluated Individually Evaluated Collectively Evaluated Residential real estate $ 578 $ 1,893 $ 2,936 $ 365,206 Residential construction and land - 177 - 18,226 Multi-family - 159 - 67,088 Commercial real estate 1,070 14,322 3,274 674,348 Commercial construction 1 1,043 102 81,497 Home equity 5 39 448 19,072 Consumer installment - 274 5 4,541 Commercial loans 993 1,593 3,269 109,917 Total $ 2,647 $ 19,500 $ 10,034 $ 1,339,895 Activity for the three months ended September 30, 2021 (In thousands) Balance at June 30, 2021 Charge-offs Recoveries Provision Balance at September 30, 2021 Residential real estate $ 2,012 $ - $ - $ (15 ) $ 1,997 Residential construction and land 106 - - 14 120 Multi-family 186 - - (86 ) 100 Commercial real estate 13,049 - - 1,249 14,298 Commercial construction 1,535 - - (337 ) 1,198 Home equity 165 - - (25 ) 140 Consumer installment 267 104 37 90 290 Commercial loans 2,348 97 1 98 2,350 Total $ 19,668 $ 201 $ 38 $ 988 $ 20,493 Allowance for Loan Losses Loans Receivable Ending Balance June 30, 2022 Impairment Analysis Ending Balance June 30, 2022 Impairment Analysis (In thousands) Individually Evaluated Collectively Evaluated Individually Evaluated Collectively Evaluated Residential real estate $ 588 $ 1,785 $ 2,943 $ 357,881 Residential construction and land - 141 - 15,298 Multi-family - 119 - 63,822 Commercial real estate 1,118 15,103 3,765 591,870 Commercial construction 1 1,113 102 83,646 Home equity 44 45 448 17,429 Consumer installment - 349 5 4,507 Commercial loans 596 1,759 3,508 106,763 Total $ 2,347 $ 20,414 $ 10,771 $ 1,241,216
Foreclosed Real Estate	The following table sets forth information regarding FRE at: (in thousands) September 30, 2022 June 30, 2022 Residential real estate $ - $ 68 Total foreclosed real estate $ - $ 68

Fair Value Measurements and F_2

Fair Value Measurements and Fair Value of Financial Instruments (Tables)	3 Months Ended
	Sep. 30, 2022
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Assets Measured at Fair Value on Recurring Basis	For assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used are as follows: Fair Value Measurements Using Quoted Prices In Active Markets For Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (In thousands) September 30, 2022 (Level 1) (Level 2) (Level 3) Assets: U.S. Government sponsored enterprises $ 10,664 $ - $ 10,664 $ - U.S. Treasury securities 17,626 - 17,626 - State and political subdivisions 188,904 - 188,904 - Mortgage-backed securities-residential 27,168 - 27,168 - Mortgage-backed securities-multi-family 73,236 - 73,236 - Corporate debt securities 16,005 - 16,005 - Securities available-for-sale $ 333,603 $ - $ 333,603 $ - Equity securities 254 254 - - Total securities measured at fair value $ 333,857 $ 254 $ 333,603 $ - Fair Value Measurements Using Quoted Prices In Active Markets For Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs (In thousands) June 30, 2022 (Level 1) (Level 2) (Level 3) Assets: U.S. Government sponsored enterprises $ 11,319 $ - $ 11,319 $ - U.S. Treasury securities 18,427 - 18,427 - State and political subdivisions 248,076 - 248,076 - Mortgage-backed securities-residential 29,897 - 29,897 - Mortgage-backed securities-multi-family 83,709 - 83,709 - Corporate debt securities 16,634 - 16,634 - Securities available-for-sale 408,062 - 408,062 - Equity securities 273 273 - - Total securities measured at fair value $ 408,335 $ 273 $ 408,062 $ -
Assets and Liabilities Measured at Fair Value on Nonrecurring Basis	Fair Value Measurements Using (In thousands) Recorded Investment Related Allowance Fair Value (Level 1) (Level 2) (Level 3) September 30 2022 Impaired loans $ 8,655 $ 2,647 $ 6,008 $ - $ - $ 6,008 June 30 2022 Impaired loans $ 9,401 $ 2,347 $ 7,054 $ - $ - $ 7,054 Foreclosed real estate 68 - 68 - - 68
Additional Quantitative Information about Assets Measured at Fair Value on Nonrecurring Basis	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were utilized to determine fair value: (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range Weighted Average September 30 2022 Impaired Loans $ 4,428 Appraisal of collateral (1) Appraisal adjustments (2) 7.06%-33.73 % 19.35 % Liquidation expenses (3) 3.98%-5.58 % 4.32 % 1,580 Discounted cash flow Discount rate 4.19%-11.95 % 6.39 % June 30 2022 Impaired loans $ 4,333 Appraisal of collateral (1) Appraisal adjustments (2) 7.06%-33.73 % 21.67 % Liquidation expenses (3) 3.98%-5.58 % 4.72 % 2,721 Discounted cash flow Discount rate 4.19%-11.95 % 6.21 % Foreclosed real estate 68 Appraisal of collateral (1) Appraisal adjustments (2) 10.46 % 10.46 % (1) Fair value is generally determined through independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable. (2) Appraisals may be adjusted downwards by management for qualitative factors such as economic conditions. Higher downward adjustments are caused by negative changes to the collateral or conditions in the real estate market, actual offers or sales contracts received or age of the appraisal. (3) Appraisals are adjusted downwards by management for qualitative factors such as the estimated costs to liquidate the collateral.
Carrying Amounts and Estimated Fair Value of Financial Instruments	The carrying amounts and estimated fair value of financial instruments are as follows: September 30, 2022 Fair Value Measurements Using (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 66,924 $ 66,924 $ 66,924 $ - $ - Long term certificates of deposit 3,856 3,703 - 3,703 - Securities available-for-sale 333,603 333,603 - 333,603 - Securities held-to-maturity 752,869 673,436 - 673,436 - Equity securities 254 254 254 - - Federal Home Loan Bank stock 2,445 2,445 - 2,445 - Net loans receivable 1,327,851 1,228,061 - - 1,228,061 Accrued interest receivable 10,536 10,536 - 10,536 - Deposits 2,326,863 2,326,913 - 2,326,913 - Borrowings 23,400 23,440 - 23,440 - Subordinated notes payable, net 49,356 45,621 - 45,621 - Accrued interest payable 143 143 - 143 - June 30, 2022 Fair Value Measurements Using (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 69,009 $ 69,009 $ 69,009 $ - $ - Long term certificates of deposit 4,107 3,993 - 3,993 - Securities available-for-sale 408,062 408,062 - 408,062 - Securities held-to-maturity 761,852 710,453 - 710,453 - Equity securities 273 273 273 - - Federal Home Loan Bank stock 6,803 6,803 - 6,803 - Net loans receivable 1,229,355 1,170,960 - - 1,170,960 Accrued interest receivable 8,917 8,917 - 8,917 - Deposits 2,212,604 2,212,743 - 2,212,743 - Borrowings 123,700 123,793 - 123,793 - Subordinated notes payable, net 49,310 49,168 - 49,168 - Accrued interest payable 603 603 - 603 -

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Share, Basic and Diluted	There were no dilutive or anti-dilutive securities or contracts outstanding during the three months ended September 30, 2022 and 2021. For the three months ended September 30, 2022 2021 Net Income $ 9,036,000 $ 7,114,000 Weighted Average Shares – Basic 8,513,414 8,513,414 Weighted Average Shares - Diluted 8,513,414 8,513,414 Earnings per share - Basic $ 1.06 $ 0.84 Earnings per share - Diluted $ 1.06 $ 0.84

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	3 Months Ended
	Sep. 30, 2022
Employee Benefit Plans [Abstract]
Components of Net Periodic Pension Costs	The components of net periodic pension cost related to the defined benefit pension plan for the three months ended September 30, 2022 and 2021 were as follows: Three months ended September 30, (In thousands) 2022 2021 Interest cost $ 50 $ 42 Expected return on plan assets (55 ) (70 ) Amortization of net loss 27 32 Net periodic pension cost $ 22 $ 4

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	3 Months Ended
	Sep. 30, 2022
Stock-Based Compensation [Abstract]
Summary of Phantom Stock Option Activity and Related Information	A summary of the Company’s phantom stock option activity and related information for the Plan for the three months ended September 30, 2022 and 2021 were as follows: 2022 2021 Number of options outstanding at beginning of year 1,479,520 1,507,600 Options granted 403,600 475,120 Options forfeited - - Options paid in cash upon vesting (97,000 ) - Number of options outstanding at period end 1,786,120 1,982,720 (In thousands) 2022 2021 Cash paid out on options vested $ 510 $ - Compensation expense recognized $ 968 $ 810

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Loss [Abstract]
Components of Accumulated Other Comprehensive Loss	The components of accumulated other comprehensive loss at September 30, 2022 and 2021 are presented as follows: Activity for the three months ended September 30, 2022 and 2021 ( In thousands Unrealized gain (losses) on securities available-for- sale Pension Total Balance - June 30, 2021 $ 348 $ (1,509 ) $ (1,161 ) Other comprehensive loss before reclassification (1,354 ) - (1,354 ) Other comprehensive loss for the three months ended September 30, 2021 (1,354 ) - (1,354 ) Balance - September 30, 2021 $ (1,006 ) $ (1,509 ) $ (2,515 ) Balance – June 30, 2022 $ (17,268 ) $ (1,115 ) $ (18,383 ) Other comprehensive loss before reclassification (6,618 ) - (6,618 ) Other comprehensive loss for the three months ended September 30, 2022 (6,618 ) - (6,618 ) Balance - September 30, 2022 $ (23,886 ) $ (1,115 ) $ (25,001 )

Operating leases (Tables)

Operating leases (Tables)	3 Months Ended
	Sep. 30, 2022
Operating leases [Abstract]
Quantitative Data Related to Operating Leases	The following includes quantitative data related to the Company’s operating leases as of September 30, 2022 and June 30, 2022, and for the three months ended September 30, 2022 and 2021: (In thousands, except weighted-average information). Operating lease amounts: September 30, 2022 June 30, 2022 Right-of-use assets $ 1,899 $ 1,980 Lease liabilities $ 1,961 $ 2,040 For the three months ended September 30, 2022 2021 (In thousands) Other information: Operating outgoing cash flows from operating leases $ 89 $ 87 Lease costs: Operating lease cost $ 81 $ 80 Variable lease cost $ 10 $ 10
Undiscounted Cash Flows of Operating Lease Liabilities	The following is a schedule by year of the undiscounted cash flows of the operating lease liabilities, as of September 30, 2022: (in thousands) Within the twelve months ended 2023 $ 361 2024 376 2025 375 2026 346 2027 278 Thereafter 347 Total undiscounted cash flow 2,083 Less net present value adjustment (122 ) Lease Liability $ 1,961 Weighted-average remaining lease term (Years) 4.63 Weighted-average discount rate 2.14 %

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Tables)	3 Months Ended
	Sep. 30, 2022
Commitments and Contingent Liabilities [Abstract]
Unfunded Loan Commitments	The Company’s unfunded loan commitments and unused lines of credit are as follows: (In thousands) September 30, 2022 June 30, 2022 Unfunded loan commitments $ 147,171 $ 213,420 Unused lines of credit 90,083 85,971 Standby letters of credit 889 189 Total commitments $ 238,143 $ 299,580

Nature of Operations (Details)

Nature of Operations (Details)	Sep. 30, 2022 Office
Nature of Operations [Abstract]
Number of full-service offices	17

Securities, Components of Secur

Securities, Components of Securities (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($) Category	Jun. 30, 2022 USD ($)
Available-for-sale debt securities [Abstract]
Amortized cost	$ 366,198	$ 431,625
Gross unrealized gains	40	374
Gross unrealized losses	32,635	23,937
Estimated fair value	333,603	408,062
Held-to-maturity securities [Abstract]
Amortized cost	752,869	761,852
Gross unrealized gains	1,439	2,779
Gross unrealized losses	80,872	54,178
Estimated fair value	673,436	710,453
Total Securities [Abstract]
Amortized cost	1,119,067	1,193,477
Gross unrealized gains	1,479	3,153
Gross unrealized losses	113,507	78,115
Estimated fair value	$ 1,007,039	1,118,515
Number of categories utilized under risk management approach of diversified investing | Category	3
U.S. Government Sponsored Enterprises [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	$ 13,064	13,066
Gross unrealized gains	0	0
Gross unrealized losses	2,400	1,747
Estimated fair value	10,664	11,319
U.S. Treasury Securities [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	20,131	20,158
Gross unrealized gains	0	0
Gross unrealized losses	2,505	1,731
Estimated fair value	17,626	18,427
Held-to-maturity securities [Abstract]
Amortized cost	33,644	33,623
Gross unrealized gains	0	0
Gross unrealized losses	2,701	1,643
Estimated fair value	30,943	31,980
State and Political Subdivisions [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	189,759	247,978
Gross unrealized gains	40	374
Gross unrealized losses	895	276
Estimated fair value	188,904	248,076
Held-to-maturity securities [Abstract]
Amortized cost	493,463	493,897
Gross unrealized gains	1,437	2,760
Gross unrealized losses	52,136	35,747
Estimated fair value	442,764	460,910
Mortgage-backed Securities-Residential [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	31,994	33,186
Gross unrealized gains	0	0
Gross unrealized losses	4,826	3,289
Estimated fair value	27,168	29,897
Held-to-maturity securities [Abstract]
Amortized cost	40,901	42,461
Gross unrealized gains	0	1
Gross unrealized losses	4,023	2,242
Estimated fair value	36,878	40,220
Mortgage-backed Securities-Multi-family [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	93,359	99,353
Gross unrealized gains	0	0
Gross unrealized losses	20,123	15,644
Estimated fair value	73,236	83,709
Held-to-maturity securities [Abstract]
Amortized cost	164,925	171,921
Gross unrealized gains	0	2
Gross unrealized losses	20,875	13,895
Estimated fair value	144,050	158,028
Corporate Debt Securities [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	17,891	17,884
Gross unrealized gains	0	0
Gross unrealized losses	1,886	1,250
Estimated fair value	16,005	16,634
Held-to-maturity securities [Abstract]
Amortized cost	19,895	19,900
Gross unrealized gains	2	16
Gross unrealized losses	1,137	651
Estimated fair value	18,760	19,265
Other Securities [Member]
Held-to-maturity securities [Abstract]
Amortized cost	41	50
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Estimated fair value	$ 41	$ 50

Securities, Securities in Conti

Securities, Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($) Security	Sep. 30, 2021 USD ($)	Jun. 30, 2022 USD ($) Security
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 295,357		$ 288,207
More than 12 months, fair value	15,998		12,078
Total, fair value	311,355		300,285
Less than 12 months, unrealized losses	27,159		21,161
More than 12 months, unrealized losses	5,476		2,776
Total, unrealized losses	$ 32,635		$ 23,937
Less than 12 months, number of securities | Security	212		233
More than 12 months, number of securities | Security	9		5
Total, number of securities | Security	221		238
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 609,169		$ 592,159
More than 12 months, fair value	2,601		735
Total, fair value	611,770		592,894
Less than 12 months, unrealized losses	79,960		53,995
More than 12 months, unrealized losses	912		183
Total, unrealized losses	$ 80,872		$ 54,178
Less than 12 months, number of securities | Security	4,811		2,477
More than 12 months, number of securities | Security	27		5
Total, number of securities | Security	4,838		2,482
Total Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 904,526		$ 880,366
More than 12 months, fair value	18,599		12,813
Total, fair value	923,125		893,179
Less than 12 months, unrealized losses	107,119		75,156
More than 12 months, unrealized losses	6,388		2,959
Total, unrealized losses	$ 113,507		$ 78,115
Less than 12 months, number of securities | Security	5,023		2,710
More than 12 months, number of securities | Security	36		10
Total, number of securities | Security	5,059		2,720
Available for sale securities transferred at fair value to held to maturity	$ 0	$ 0
Proceeds from sale of available-for-sale securities	0	0
Gross realized gains (losses) on sale of available-for-sale securities	0	0
Other-than-temporary impairment losses	0	$ 0
U.S. Government Sponsored Enterprises [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	9,087		$ 11,319
More than 12 months, fair value	1,577		0
Total, fair value	10,664		11,319
Less than 12 months, unrealized losses	1,977		1,747
More than 12 months, unrealized losses	423		0
Total, unrealized losses	$ 2,400		$ 1,747
Less than 12 months, number of securities | Security	4		5
More than 12 months, number of securities | Security	1		0
Total, number of securities | Security	5		5
U.S. Treasury Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 17,626		$ 18,427
More than 12 months, fair value	0		0
Total, fair value	17,626		18,427
Less than 12 months, unrealized losses	2,505		1,731
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 2,505		$ 1,731
Less than 12 months, number of securities | Security	8		8
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	8		8
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 30,943		$ 31,980
More than 12 months, fair value	0		0
Total, fair value	30,943		31,980
Less than 12 months, unrealized losses	2,701		1,643
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 2,701		$ 1,643
Less than 12 months, number of securities | Security	9		9
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	9		9
State and Political Subdivisions [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 166,656		$ 140,324
More than 12 months, fair value	0		0
Total, fair value	166,656		140,324
Less than 12 months, unrealized losses	895		276
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 895		$ 276
Less than 12 months, number of securities | Security	130		148
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	130		148
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 386,038		$ 353,837
More than 12 months, fair value	2,601		735
Total, fair value	388,639		354,572
Less than 12 months, unrealized losses	51,224		35,564
More than 12 months, unrealized losses	912		183
Total, unrealized losses	$ 52,136		$ 35,747
Less than 12 months, number of securities | Security	4,691		2,362
More than 12 months, number of securities | Security	27		5
Total, number of securities | Security	4,718		2,367
Mortgage-backed Securities-Residential [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 25,817		$ 29,872
More than 12 months, fair value	1,351		0
Total, fair value	27,168		29,872
Less than 12 months, unrealized losses	4,555		3,289
More than 12 months, unrealized losses	271		0
Total, unrealized losses	$ 4,826		$ 3,289
Less than 12 months, number of securities | Security	29		27
More than 12 months, number of securities | Security	1		0
Total, number of securities | Security	30		27
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 36,878		$ 39,865
More than 12 months, fair value	0		0
Total, fair value	36,878		39,865
Less than 12 months, unrealized losses	4,023		2,242
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 4,023		$ 2,242
Less than 12 months, number of securities | Security	33		27
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	33		27
Mortgage-backed Securities-Multi-family [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 60,166		$ 71,631
More than 12 months, fair value	13,070		12,078
Total, fair value	73,236		83,709
Less than 12 months, unrealized losses	15,341		12,868
More than 12 months, unrealized losses	4,782		2,776
Total, unrealized losses	$ 20,123		$ 15,644
Less than 12 months, number of securities | Security	25		29
More than 12 months, number of securities | Security	7		5
Total, number of securities | Security	32		34
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 144,050		$ 155,726
More than 12 months, fair value	0		0
Total, fair value	144,050		155,726
Less than 12 months, unrealized losses	20,875		13,895
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 20,875		$ 13,895
Less than 12 months, number of securities | Security	66		68
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	66		68
Corporate Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 16,005		$ 16,634
More than 12 months, fair value	0		0
Total, fair value	16,005		16,634
Less than 12 months, unrealized losses	1,886		1,250
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 1,886		$ 1,250
Less than 12 months, number of securities | Security	16		16
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	16		16
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 11,260		$ 10,751
More than 12 months, fair value	0		0
Total, fair value	11,260		10,751
Less than 12 months, unrealized losses	1,137		651
More than 12 months, unrealized losses	0		0
Total, unrealized losses	$ 1,137		$ 651
Less than 12 months, number of securities | Security	12		11
More than 12 months, number of securities | Security	0		0
Total, number of securities | Security	12		11

Securities, Securities by Contr

Securities, Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Available-for-sale Debt Securities, Amortized Cost [Abstract]
Within one year	$ 189,675
After one year through five years	25,056
After five years through ten years	24,614
After ten years	1,500
Total	240,845
Mortgage-backed securities	125,353
Amortized cost	366,198	$ 431,625
Available-for-sale Debt Securities, Fair Value [Abstract]
Within one year	188,822
After one year through five years	22,495
After five years through ten years	20,701
After ten years	1,181
Total	233,199
Mortgage-backed securities	100,404
Estimated fair value	333,603	408,062
Held-to-maturity Debt Securities, Amortized Cost [Abstract]
Within one year	65,466
After one year through five years	168,220
After five years through ten years	137,726
After ten years	175,631
Total	547,043
Mortgage-backed securities	205,826
Amortized cost	752,869	761,852
Held-to-maturity Debt Securities, Fair Value [Abstract]
Within one year	64,499
After one year through five years	160,831
After five years through ten years	126,601
After ten years	140,577
Total	492,508
Mortgage-backed securities	180,928
Estimated fair value	673,436	710,453
Total Debt Securities [Abstract]
Amortized cost	1,119,067	1,193,477
Estimated fair value	$ 1,007,039	$ 1,118,515

Securities, Securities Pledged

Securities, Securities Pledged (Details) - Asset Pledged as Collateral [Member] - USD ($) $ in Millions	Sep. 30, 2022	Jun. 30, 2022
Deposits in Excess of FDIC Insurance Limits [Member]
Securities Pledged [Abstract]
Securities, fair value	$ 839	$ 892.9
Potential Borrowings at Federal Reserve Bank Discount Window [Member]
Securities Pledged [Abstract]
Securities, fair value	$ 16.7	$ 17.4

Securities, Federal Home Loan B

Securities, Federal Home Loan Bank Stock (Details) - USD ($) $ in Millions	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Federal Home Loan Bank Stock [Abstract]
Other-than-temporary impairment losses	$ 0	$ 0
Federal Home Loan Bank Stock [Member]
Federal Home Loan Bank Stock [Abstract]
Other-than-temporary impairment losses	$ 0	$ 0

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses, Major Loan Segments and Classes (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($) Segment	Jun. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)
Major Loan Segments and Classes [Abstract]
Total gross loans	$ 1,349,929	$ 1,251,987
Allowance for loan losses	(22,147)	(22,761)	$ (20,493)	$ (19,668)
Deferred fees and cost, net	69	129
Net loans receivable	$ 1,327,851	1,229,355
Number of segments within loan portfolio | Segment	4
Residential Real Estate [Member] | Maximum [Member]
Major Loan Segments and Classes [Abstract]
Loan-to-value ratio	85%
Residential Real Estate [Member] | Residential Mortgage with Private Mortgage Insurance [Member] | Maximum [Member]
Major Loan Segments and Classes [Abstract]
Loan-to-value ratio	85%
Residential Real Estate [Member] | Residential Real Estate [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	$ 368,142	360,824
Allowance for loan losses	(2,471)	(2,373)	(1,997)	(2,012)
Residential Real Estate [Member] | Construction and Land [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	18,226	15,298
Allowance for loan losses	(177)	(141)	(120)	(106)
Residential Real Estate [Member] | Multi-family [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	67,088	63,822
Allowance for loan losses	(159)	(119)	(100)	(186)
Commercial Real Estate [Member] | Real Estate [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	677,622	595,635
Allowance for loan losses	(15,392)	(16,221)	(14,298)	(13,049)
Commercial Real Estate [Member] | Construction [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	81,599	83,748
Allowance for loan losses	(1,044)	(1,114)	(1,198)	(1,535)
Consumer Loan [Member] | Home Equity [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	19,520	17,877
Allowance for loan losses	(44)	(89)	(140)	(165)
Consumer Loan [Member] | Consumer Installment [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	4,546	4,512
Allowance for loan losses	(274)	(349)	(290)	(267)
Commercial Loans [Member]
Major Loan Segments and Classes [Abstract]
Total gross loans	113,186	110,271
Allowance for loan losses	$ (2,586)	$ (2,355)	$ (2,350)	$ (2,348)

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Loan Balances by Internal Credit Quality Indicator (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($) Loan	Jun. 30, 2022 USD ($)
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	$ 1,349,929	$ 1,251,987
Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	1,304,388	1,199,933
Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	9,452	14,893
Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	36,089	37,161
Doubtful [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	0
Loss [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	0
Residential Real Estate [Member] | Residential Real Estate [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	368,142	360,824
Residential Real Estate [Member] | Residential Real Estate [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	362,984	355,474
Residential Real Estate [Member] | Residential Real Estate [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	25	28
Residential Real Estate [Member] | Residential Real Estate [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	5,133	5,322
Residential Real Estate [Member] | Construction and Land [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	18,226	15,298
Residential Real Estate [Member] | Construction and Land [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	18,226	15,297
Residential Real Estate [Member] | Construction and Land [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	0
Residential Real Estate [Member] | Construction and Land [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	1
Residential Real Estate [Member] | Multi-family [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	67,088	63,822
Residential Real Estate [Member] | Multi-family [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	66,998	63,730
Residential Real Estate [Member] | Multi-family [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	90	92
Residential Real Estate [Member] | Multi-family [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	$ 0	0
Commercial Real Estate [Member] | Pass [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Number of loans upgraded | Loan	10
Commercial Real Estate [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Number of loans paid off | Loan	1
Number of loan relationships downgraded | Loan	5
Commercial Real Estate [Member] | Real Estate [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	$ 677,622	595,635
Commercial Real Estate [Member] | Real Estate [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	642,999	555,451
Commercial Real Estate [Member] | Real Estate [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	8,758	13,777
Commercial Real Estate [Member] | Real Estate [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	25,865	26,407
Commercial Real Estate [Member] | Construction [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	81,599	83,748
Commercial Real Estate [Member] | Construction [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	81,599	83,748
Commercial Real Estate [Member] | Construction [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	0
Commercial Real Estate [Member] | Construction [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	$ 0	0
Consumer Loan [Member] | Pass [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Number of loans upgraded | Loan	3
Consumer Loan [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Number of loans paid off | Loan	2
Consumer Loan [Member] | Home Equity [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	$ 19,520	17,877
Consumer Loan [Member] | Home Equity [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	19,013	17,369
Consumer Loan [Member] | Home Equity [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	0
Consumer Loan [Member] | Home Equity [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	507	508
Consumer Loan [Member] | Consumer Installment [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	4,546	4,512
Consumer Loan [Member] | Consumer Installment [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	4,536	4,500
Consumer Loan [Member] | Consumer Installment [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	0	0
Consumer Loan [Member] | Consumer Installment [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	10	12
Commercial Loans [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	113,186	110,271
Commercial Loans [Member] | Performing [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	108,033	104,364
Commercial Loans [Member] | Special Mention [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	579	996
Commercial Loans [Member] | Substandard [Member]
Loan Balances by Internal Credit Quality Indicator [Abstract]
Total gross loans	$ 4,574	$ 4,911

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Delinquent and/or Nonaccrual Loans by Past Due Status (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($) Loan	Jun. 30, 2022 USD ($) Loan
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	$ 1,349,929	$ 1,251,987
Loans on non-accrual	5,431	6,317
Loans in the process of foreclosure	480	528
Nonaccrual loans with recent history of delinquency greater than 90 days	4,700	4,400
Loans past due making payments pursuant to forbearance agreement	1,200
Loan repayments	543
Loans returning to performing status	134
Charge-offs	7
Principal payments	286
Loans placed into nonperforming status	83
Accruing loans delinquent more than 90 days	0	0
Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	2,668	4,135
30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	78	91
60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	1,904	2,107
90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	686	1,937
Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	1,347,261	1,247,852
Residential Real Estate [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Loans in the process of foreclosure	$ 378	$ 426
Number of loans in the process of foreclosure | Loan	4	3
Residential Real Estate [Member] | Residential Real Estate [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	$ 368,142	$ 360,824
Loans on non-accrual	2,733	2,948
Residential Real Estate [Member] | Residential Real Estate [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	2,069	2,334
Residential Real Estate [Member] | Residential Real Estate [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	66
Residential Real Estate [Member] | Residential Real Estate [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	1,680	1,676
Residential Real Estate [Member] | Residential Real Estate [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	389	592
Residential Real Estate [Member] | Residential Real Estate [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	366,073	358,490
Residential Real Estate [Member] | Construction and Land [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	18,226	15,298
Loans on non-accrual	0	1
Residential Real Estate [Member] | Construction and Land [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	1
Residential Real Estate [Member] | Construction and Land [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Residential Real Estate [Member] | Construction and Land [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	1
Residential Real Estate [Member] | Construction and Land [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Residential Real Estate [Member] | Construction and Land [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	18,226	15,297
Residential Real Estate [Member] | Multi-family [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	67,088	63,822
Loans on non-accrual	0	0
Residential Real Estate [Member] | Multi-family [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Residential Real Estate [Member] | Multi-family [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Residential Real Estate [Member] | Multi-family [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Residential Real Estate [Member] | Multi-family [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Residential Real Estate [Member] | Multi-family [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	67,088	63,822
Commercial Real Estate [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Loans in the process of foreclosure	$ 102	$ 102
Number of loans in the process of foreclosure | Loan	1	1
Commercial Real Estate [Member] | Real Estate [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	$ 677,622	$ 595,635
Loans on non-accrual	796	1,269
Commercial Real Estate [Member] | Real Estate [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	213	1,532
Commercial Real Estate [Member] | Real Estate [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Real Estate [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	90	385
Commercial Real Estate [Member] | Real Estate [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	123	1,147
Commercial Real Estate [Member] | Real Estate [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	677,409	594,103
Commercial Real Estate [Member] | Construction [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	81,599	83,748
Loans on non-accrual	0	0
Commercial Real Estate [Member] | Construction [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Construction [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Commercial Real Estate [Member] | Construction [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	81,599	83,748
Consumer Loan [Member] | Home Equity [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	19,520	17,877
Loans on non-accrual	187	188
Consumer Loan [Member] | Home Equity [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	227	182
Consumer Loan [Member] | Home Equity [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	48	3
Consumer Loan [Member] | Home Equity [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	39	0
Consumer Loan [Member] | Home Equity [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	140	179
Consumer Loan [Member] | Home Equity [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	19,293	17,695
Consumer Loan [Member] | Consumer Installment [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	4,546	4,512
Loans on non-accrual	0	7
Consumer Loan [Member] | Consumer Installment [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	31	39
Consumer Loan [Member] | Consumer Installment [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	30	22
Consumer Loan [Member] | Consumer Installment [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	1	17
Consumer Loan [Member] | Consumer Installment [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Consumer Loan [Member] | Consumer Installment [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	4,515	4,473
Commercial Loans [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	113,186	110,271
Loans on non-accrual	1,715	1,904
Commercial Loans [Member] | Total Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	128	47
Commercial Loans [Member] | 30 to 59 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	0	0
Commercial Loans [Member] | 60 to 89 Days Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	94	28
Commercial Loans [Member] | 90 Days or More Past Due [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	34	19
Commercial Loans [Member] | Current [Member]
Delinquent and/or Nonaccrual Loans by Past Due Status [Abstract]
Total loans	$ 113,058	$ 110,224

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Impaired Loans By Loan Portfolio Class (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Loans and Allowance for Loan Losses [Abstract]
Threshold principal amount of nonaccrual loans evaluated individually for impairment	$ 250
With no related allowance recorded [Abstract]
Recorded investment	1,540		$ 1,536
Unpaid principal	1,540		1,536
Average recorded investment	1,526	$ 892
Interest income recognized	15	3
With an allowance recorded [Abstract]
Recorded investment	8,494		9,235
Unpaid principal	8,494		9,235
Related allowance	2,647		2,347
Average recorded investment	8,598	5,149
Interest income recognized	115	58
Total impaired [Abstract]
Recorded investment	10,034		10,771
Unpaid principal	10,034		10,771
Related allowance	2,647		2,347
Average recorded investment	10,124	6,041
Interest income recognized	130	61
Residential Real Estate [Member] | Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded investment	1,004		990
Unpaid principal	1,004		990
Average recorded investment	986	221
Interest income recognized	9	0
With an allowance recorded [Abstract]
Recorded investment	1,932		1,953
Unpaid principal	1,932		1,953
Related allowance	578		588
Average recorded investment	1,939	718
Interest income recognized	9	5
Total impaired [Abstract]
Recorded investment	2,936		2,943
Unpaid principal	2,936		2,943
Related allowance	578		588
Average recorded investment	2,925	939
Interest income recognized	18	5
Commercial Real Estate [Member] | Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded investment	60		67
Unpaid principal	60		67
Average recorded investment	63	445
Interest income recognized	2	3
With an allowance recorded [Abstract]
Recorded investment	3,214		3,698
Unpaid principal	3,214		3,698
Related allowance	1,070		1,118
Average recorded investment	3,229	780
Interest income recognized	44	10
Total impaired [Abstract]
Recorded investment	3,274		3,765
Unpaid principal	3,274		3,765
Related allowance	1,070		1,118
Average recorded investment	3,292	1,225
Interest income recognized	46	13
Commercial Real Estate [Member] | Construction [Member]
With an allowance recorded [Abstract]
Recorded investment	102		102
Unpaid principal	102		102
Related allowance	1		1
Average recorded investment	102	102
Interest income recognized	0	0
Total impaired [Abstract]
Recorded investment	102		102
Unpaid principal	102		102
Related allowance	1		1
Average recorded investment	102	102
Interest income recognized	0	0
Consumer Loan [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Recorded investment	128		128
Unpaid principal	128		128
Average recorded investment	128	128
Interest income recognized	0	0
With an allowance recorded [Abstract]
Recorded investment	320		320
Unpaid principal	320		320
Related allowance	5		44
Average recorded investment	320	321
Interest income recognized	4	3
Total impaired [Abstract]
Recorded investment	448		448
Unpaid principal	448		448
Related allowance	5		44
Average recorded investment	448	449
Interest income recognized	4	3
Consumer Loan [Member] | Consumer Installment [Member]
With no related allowance recorded [Abstract]
Recorded investment	5		5
Unpaid principal	5		5
Average recorded investment	5	0
Interest income recognized	0	0
With an allowance recorded [Abstract]
Related allowance	0
Total impaired [Abstract]
Recorded investment	5		5
Unpaid principal	5		5
Related allowance	0
Average recorded investment	5	0
Interest income recognized	0	0
Commercial Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment	343		346
Unpaid principal	343		346
Average recorded investment	344	98
Interest income recognized	4	0
With an allowance recorded [Abstract]
Recorded investment	2,926		3,162
Unpaid principal	2,926		3,162
Related allowance	993		596
Average recorded investment	3,008	3,228
Interest income recognized	58	40
Total impaired [Abstract]
Recorded investment	3,269		3,508
Unpaid principal	3,269		3,508
Related allowance	993		$ 596
Average recorded investment	3,352	3,326
Interest income recognized	$ 62	$ 40

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($) Contract	Sep. 30, 2021 Contract	Jun. 30, 2022 USD ($) Contract	Jun. 30, 2021 Contract
Troubled Debt Restructurings [Abstract]
TDR loans which have subsequently defaulted during the period | Contract	0	0	0	0
Commercial Loans [Member] | Residential Real Estate [Member]
Troubled Debt Restructurings [Abstract]
Number of contracts | Contract	1
Pre-modification outstanding recorded investment	$ 379
Post-modification outstanding recorded investment	379
Current outstanding recorded investment	$ 379
Residential Real Estate [Member] | Residential Real Estate [Member]
Troubled Debt Restructurings [Abstract]
Number of contracts | Contract	2
Pre-modification outstanding recorded investment	$ 778
Post-modification outstanding recorded investment	778
Current outstanding recorded investment	$ 778
Consumer Loan [Member] | Consumer Installment [Member]
Troubled Debt Restructurings [Abstract]
Number of contracts | Contract			1
Pre-modification outstanding recorded investment			$ 5
Post-modification outstanding recorded investment			5
Current outstanding recorded investment			$ 5

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Activity and Allocation of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Allowance for Loan Losses [Abstract]
Threshold principal amount of nonaccrual loans evaluated individually for impairment	$ 250
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	22,761	$ 19,668
Charge-offs	171	201
Recoveries	56	38
Provision	(499)	988
Balance, end of period	22,147	20,493
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	2,647		$ 2,347
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	19,500		20,414
Loans receivable, ending balance, impairment analysis individually evaluated	10,034		10,771
Loans receivable, ending balance, impairment analysis collectively evaluated	$ 1,339,895		1,241,216
Smaller Business Loans [Member] | Unsecured [Member]
Allowance for Loan Losses [Abstract]
Threshold period to charge off loans against allowance for loan losses	90 days
Residential Real Estate [Member] | Residential Real Estate [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	$ 2,373	2,012
Charge-offs	0	0
Recoveries	3	0
Provision	95	(15)
Balance, end of period	2,471	1,997
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	578		588
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	1,893		1,785
Loans receivable, ending balance, impairment analysis individually evaluated	2,936		2,943
Loans receivable, ending balance, impairment analysis collectively evaluated	365,206		357,881
Residential Real Estate [Member] | Construction and Land [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	141	106
Charge-offs	0	0
Recoveries	0	0
Provision	36	14
Balance, end of period	177	120
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	0		0
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	177		141
Loans receivable, ending balance, impairment analysis individually evaluated	0		0
Loans receivable, ending balance, impairment analysis collectively evaluated	18,226		15,298
Residential Real Estate [Member] | Multi-family [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	119	186
Charge-offs	0	0
Recoveries	0	0
Provision	40	(86)
Balance, end of period	159	100
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	0		0
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	159		119
Loans receivable, ending balance, impairment analysis individually evaluated	0		0
Loans receivable, ending balance, impairment analysis collectively evaluated	67,088		63,822
Commercial Real Estate [Member] | Real Estate [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	16,221	13,049
Charge-offs	0	0
Recoveries	0	0
Provision	(829)	1,249
Balance, end of period	15,392	14,298
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	1,070		1,118
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	14,322		15,103
Loans receivable, ending balance, impairment analysis individually evaluated	3,274		3,765
Loans receivable, ending balance, impairment analysis collectively evaluated	674,348		591,870
Commercial Real Estate [Member] | Construction [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	1,114	1,535
Charge-offs	0	0
Recoveries	0	0
Provision	(70)	(337)
Balance, end of period	1,044	1,198
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	1		1
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	1,043		1,113
Loans receivable, ending balance, impairment analysis individually evaluated	102		102
Loans receivable, ending balance, impairment analysis collectively evaluated	$ 81,497		83,646
Consumer Loan [Member] | Unsecured [Member]
Allowance for Loan Losses [Abstract]
Threshold period to charge off loans against allowance for loan losses	90 days
Consumer Loan [Member] | Home Equity [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	$ 89	165
Charge-offs	0	0
Recoveries	0	0
Provision	(45)	(25)
Balance, end of period	44	140
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	5		44
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	39		45
Loans receivable, ending balance, impairment analysis individually evaluated	448		448
Loans receivable, ending balance, impairment analysis collectively evaluated	19,072		17,429
Consumer Loan [Member] | Consumer Installment [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	349	267
Charge-offs	167	104
Recoveries	46	37
Provision	46	90
Balance, end of period	274	290
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	0		0
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	274		349
Loans receivable, ending balance, impairment analysis individually evaluated	5		5
Loans receivable, ending balance, impairment analysis collectively evaluated	$ 4,541		4,507
Consumer Loan [Member] | Consumer Installment [Member] | Unsecured [Member]
Allowance for Loan Losses [Abstract]
Threshold period to charge off overdrawn deposit accounts against allowance for loan losses	60 days
Commercial Loans [Member]
Activity of allowance for loan losses by loan category [Roll Forward]
Balance, beginning of period	$ 2,355	2,348
Charge-offs	4	97
Recoveries	7	1
Provision	228	98
Balance, end of period	2,586	$ 2,350
Allocation of allowance for loan losses by loan category [Abstract]
Allowance for loan losses, ending balance, impairment analysis individually evaluated	993		596
Allowance for loan losses, ending balance, impairment analysis collectively evaluated	1,593		1,759
Loans receivable, ending balance, impairment analysis individually evaluated	3,269		3,508
Loans receivable, ending balance, impairment analysis collectively evaluated	$ 109,917		$ 106,763

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses, Foreclosed Real Estate (FRE) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Foreclosed Real Estate [Abstract]
Foreclosed real estate	$ 0	$ 68
Residential Real Estate [Member]
Foreclosed Real Estate [Abstract]
Foreclosed real estate	$ 0	$ 68

Fair Value Measurements and F_3

Fair Value Measurements and Fair Value of Financial Instruments, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Assets [Abstract]
Securities available-for-sale	$ 333,603	$ 408,062
Equity securities	254	273
Recurring [Member]
Assets [Abstract]
Securities available-for-sale	333,603	408,062
Equity securities	254	273
Total securities measured at fair value	333,857	408,335
Recurring [Member] | U.S. Government Sponsored Enterprises [Member]
Assets [Abstract]
Securities available-for-sale	10,664	11,319
Recurring [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	17,626	18,427
Recurring [Member] | State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	188,904	248,076
Recurring [Member] | Mortgage-backed Securities-Residential [Member]
Assets [Abstract]
Securities available-for-sale	27,168	29,897
Recurring [Member] | Mortgage-backed Securities-Multi-family [Member]
Assets [Abstract]
Securities available-for-sale	73,236	83,709
Recurring [Member] | Corporate Debt Securities [Member]
Assets [Abstract]
Securities available-for-sale	16,005	16,634
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Equity securities	254	273
Total securities measured at fair value	254	273
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member] | U.S. Government Sponsored Enterprises [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member] | State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member] | Mortgage-backed Securities-Residential [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member] | Mortgage-backed Securities-Multi-family [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member] | Corporate Debt Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Securities available-for-sale	333,603	408,062
Equity securities	0	0
Total securities measured at fair value	333,603	408,062
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Government Sponsored Enterprises [Member]
Assets [Abstract]
Securities available-for-sale	10,664	11,319
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	17,626	18,427
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	188,904	248,076
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed Securities-Residential [Member]
Assets [Abstract]
Securities available-for-sale	27,168	29,897
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed Securities-Multi-family [Member]
Assets [Abstract]
Securities available-for-sale	73,236	83,709
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate Debt Securities [Member]
Assets [Abstract]
Securities available-for-sale	16,005	16,634
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Equity securities	0	0
Total securities measured at fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Sponsored Enterprises [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Treasury Securities [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | State and Political Subdivisions [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Mortgage-backed Securities-Residential [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Mortgage-backed Securities-Multi-family [Member]
Assets [Abstract]
Securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Corporate Debt Securities [Member]
Assets [Abstract]
Securities available-for-sale	$ 0	$ 0

Fair Value Measurements and F_4

Fair Value Measurements and Fair Value of Financial Instruments, Assets and Liabilities Measured on Nonrecurring Basis (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2022 USD ($) Approach	Jun. 30, 2022 USD ($)
Assets Measured at Fair Value on Nonrecurring Basis [Abstract]
Impaired loans, recorded investment	$ 10,034	$ 10,771
Impaired loans, related allowance	2,647	2,347
Nonrecurring [Member]
Assets Measured at Fair Value on Nonrecurring Basis [Abstract]
Impaired loans, recorded investment	8,655	9,401
Impaired loans, related allowance	2,647	2,347
Impaired loans, fair value	$ 6,008	7,054
Foreclosed real estate, recorded investment		68
Foreclosed real estate, related allowance		0
Foreclosed real estate, fair value		68
Nonrecurring [Member] | Maximum [Member]
Assets Measured at Fair Value on Nonrecurring Basis [Abstract]
Number of approaches used for appraisals | Approach	3
Nonrecurring [Member] | Level 1 [Member]
Assets Measured at Fair Value on Nonrecurring Basis [Abstract]
Impaired loans, fair value	$ 0	0
Foreclosed real estate, fair value		0
Nonrecurring [Member] | Level 2 [Member]
Assets Measured at Fair Value on Nonrecurring Basis [Abstract]
Impaired loans, fair value	0	0
Foreclosed real estate, fair value		0
Nonrecurring [Member] | Level 3 [Member]
Assets Measured at Fair Value on Nonrecurring Basis [Abstract]
Impaired loans, fair value	$ 6,008	7,054
Foreclosed real estate, fair value		$ 68

Fair Value Measurements and F_5

Fair Value Measurements and Fair Value of Financial Instruments, Fair Value Inputs, Assets, Quantitative Information (Details) $ in Thousands		Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)
Nonrecurring [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans		$ 6,008	$ 7,054
Foreclosed real estate			68
Level 3 [Member] | Appraisal of Collateral [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans	[1]	4,428	4,333
Foreclosed real estate	[1]		68
Level 3 [Member] | Discounted Cash Flow [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans		1,580	2,721
Level 3 [Member] | Nonrecurring [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans		$ 6,008	7,054
Foreclosed real estate			$ 68
Level 3 [Member] | Appraisal Adjustments [Member] | Appraisal of Collateral [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Foreclosed real estate, measurement input	[1],[2]		0.1046
Level 3 [Member] | Appraisal Adjustments [Member] | Appraisal of Collateral [Member] | Minimum [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input	[1],[2]	0.0706	0.0706
Level 3 [Member] | Appraisal Adjustments [Member] | Appraisal of Collateral [Member] | Maximum [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input	[1],[2]	0.3373	0.3373
Level 3 [Member] | Appraisal Adjustments [Member] | Appraisal of Collateral [Member] | Weighted Average [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input	[1],[2]	0.1935	0.2167
Foreclosed real estate, measurement input	[1],[2]		0.1046
Level 3 [Member] | Liquidation Expenses [Member] | Appraisal of Collateral [Member] | Minimum [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input	[1],[3]	0.0398	0.0398
Level 3 [Member] | Liquidation Expenses [Member] | Appraisal of Collateral [Member] | Maximum [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input	[1],[3]	0.0558	0.0558
Level 3 [Member] | Liquidation Expenses [Member] | Appraisal of Collateral [Member] | Weighted Average [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input	[1],[3]	0.0432	0.0472
Level 3 [Member] | Discount Rate [Member] | Discounted Cash Flow [Member] | Minimum [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input		0.0419	0.0419
Level 3 [Member] | Discount Rate [Member] | Discounted Cash Flow [Member] | Maximum [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input		0.1195	0.1195
Level 3 [Member] | Discount Rate [Member] | Discounted Cash Flow [Member] | Weighted Average [Member]
Additional Quantitative Information about Assets Measured at Fair Value [Abstract]
Impaired loans, measurement input		0.0639	0.0621
[1]Fair value is generally determined through independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable.[2]Appraisals may be adjusted downwards by management for qualitative factors such as economic conditions. Higher downward adjustments are caused by negative changes to the collateral or conditions in the real estate market, actual offers or sales contracts received or age of the appraisal.[3]Appraisals are adjusted downwards by management for qualitative factors such as the estimated costs to liquidate the collateral.

Fair Value Measurements and F_6

Fair Value Measurements and Fair Value of Financial Instruments, Carrying Amount and Estimated Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Carrying Amounts and Estimated Fair Value of Financial Instruments [Abstract]
Securities available-for-sale	$ 333,603	$ 408,062
Equity securities	254	273
Carrying Amount [Member]
Carrying Amounts and Estimated Fair Value of Financial Instruments [Abstract]
Cash and cash equivalents	66,924	69,009
Long term certificates of deposit	3,856	4,107
Securities available-for-sale	333,603	408,062
Securities held-to-maturity	752,869	761,852
Equity securities	254	273
Federal Home Loan Bank stock	2,445	6,803
Net loans receivable	1,327,851	1,229,355
Accrued interest receivable	10,536	8,917
Deposits	2,326,863	2,212,604
Borrowings	23,400	123,700
Subordinated notes payable, net	49,356	49,310
Accrued interest payable	143	603
Fair Value [Member]
Carrying Amounts and Estimated Fair Value of Financial Instruments [Abstract]
Cash and cash equivalents	66,924	69,009
Long term certificates of deposit	3,703	3,993
Securities available-for-sale	333,603	408,062
Securities held-to-maturity	673,436	710,453
Equity securities	254	273
Federal Home Loan Bank stock	2,445	6,803
Net loans receivable	1,228,061	1,170,960
Accrued interest receivable	10,536	8,917
Deposits	2,326,913	2,212,743
Borrowings	23,440	123,793
Subordinated notes payable, net	45,621	49,168
Accrued interest payable	143	603
Fair Value [Member] | Level 1 [Member]
Carrying Amounts and Estimated Fair Value of Financial Instruments [Abstract]
Cash and cash equivalents	66,924	69,009
Long term certificates of deposit	0	0
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Equity securities	254	273
Federal Home Loan Bank stock	0	0
Net loans receivable	0	0
Accrued interest receivable	0	0
Deposits	0	0
Borrowings	0	0
Subordinated notes payable, net	0	0
Accrued interest payable	0	0
Fair Value [Member] | Level 2 [Member]
Carrying Amounts and Estimated Fair Value of Financial Instruments [Abstract]
Cash and cash equivalents	0	0
Long term certificates of deposit	3,703	3,993
Securities available-for-sale	333,603	408,062
Securities held-to-maturity	673,436	710,453
Equity securities	0	0
Federal Home Loan Bank stock	2,445	6,803
Net loans receivable	0	0
Accrued interest receivable	10,536	8,917
Deposits	2,326,913	2,212,743
Borrowings	23,440	123,793
Subordinated notes payable, net	45,621	49,168
Accrued interest payable	143	603
Fair Value [Member] | Level 3 [Member]
Carrying Amounts and Estimated Fair Value of Financial Instruments [Abstract]
Cash and cash equivalents	0	0
Long term certificates of deposit	0	0
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Equity securities	0	0
Federal Home Loan Bank stock	0	0
Net loans receivable	1,228,061	1,170,960
Accrued interest receivable	0	0
Deposits	0	0
Borrowings	0	0
Subordinated notes payable, net	0	0
Accrued interest payable	$ 0	$ 0

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Earnings Per Share [Abstract]
Dilutive securities or contracts outstanding (in shares)	0	0
Anti-dilutive securities or contracts outstanding (in shares)	0	0
Net Income	$ 9,036	$ 7,114
Weighted Average Shares - Basic (in shares)	8,513,414	8,513,414
Weighted Average Shares - Diluted (in shares)	8,513,414	8,513,414
Earnings per share - Basic (in dollars per share)	$ 1.06	$ 0.84
Earnings per share - Diluted (in dollars per share)	$ 1.06	$ 0.84

Dividends (Details)

Dividends (Details) - $ / shares		3 Months Ended		12 Months Ended
	Jan. 19, 2022	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Dividends [Abstract]
Common stock, dividends, per share, declared (in dollars per share)		$ 0.14	$ 0.13
2022 Q1 Dividend [Member]
Dividends [Abstract]
Dividends payable, date declared		Jul. 20, 2022
Common stock, dividends, per share, declared (in dollars per share)	$ 0.14
Dividends payable, date of record		Aug. 15, 2022
Dividends payable, date paid		Aug. 31, 2022
2022 Annual Dividend [Member]
Dividends [Abstract]
Common stock, dividends, per share, declared (in dollars per share)	$ 0.56
Percentage of increase in cash dividend rate	7.70%
2021 Annual Dividend [Member]
Dividends [Abstract]
Common stock, dividends, per share, declared (in dollars per share)				$ 0.52

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Defined Benefit Plan [Member]
Components of Net Periodic Pension Costs [Abstract]
Interest cost	$ 50	$ 42
Expected return on plan assets	(55)	(70)
Amortization of net loss	27	32
Net periodic pension cost	22	4
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Pension Costs [Abstract]
Net periodic pension cost	371	$ 314
Postemployment benefits liability	$ 10,600		$ 9,900

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - 2011 Phantom Stock Option and Long-term Incentive Plan [Member] - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Stock option activity, shares [Roll Forward]
Number of options outstanding at beginning of year (in shares)	1,479,520	1,507,600
Options Granted (in shares)	403,600	475,120
Options Forfeited (in shares)	0	0
Options paid in cash upon vesting (in shares)	(97,000)	0
Number of options outstanding at period end (in shares)	1,786,120	1,982,720
Stock option related information [Abstract]
Cash paid out on options vested	$ 510	$ 0
Compensation costs recognized	968	$ 810
Total liability for the Plan	$ 6,600		$ 6,100

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Balances and changes in components of accumulated other comprehensive loss [Roll Forward]
Balance	$ 157,714	$ 149,584
Total other comprehensive loss, net of taxes	(6,618)	(1,354)
Balance	159,586	154,836
Accumulated Other Comprehensive Loss [Member]
Balances and changes in components of accumulated other comprehensive loss [Roll Forward]
Balance	(18,383)	(1,161)
Other comprehensive loss before reclassification	(6,618)	(1,354)
Total other comprehensive loss, net of taxes	(6,618)	(1,354)
Balance	(25,001)	(2,515)
Unrealized Gain (Losses) on Securities Available-for-sale [Member]
Balances and changes in components of accumulated other comprehensive loss [Roll Forward]
Balance	(17,268)	348
Other comprehensive loss before reclassification	(6,618)	(1,354)
Total other comprehensive loss, net of taxes	(6,618)	(1,354)
Balance	(23,886)	(1,006)
Pension Benefits [Member]
Balances and changes in components of accumulated other comprehensive loss [Roll Forward]
Balance	(1,115)	(1,509)
Other comprehensive loss before reclassification	0	0
Total other comprehensive loss, net of taxes	0	0
Balance	$ (1,115)	$ (1,509)

Operating leases, Quantitative

Operating leases, Quantitative Data (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022
Operating Lease Amounts [Abstract]
Right-of-use assets	$ 1,899		$ 1,980
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid Expense and Other Assets		Prepaid Expense and Other Assets
Lease liabilities	$ 1,961		$ 2,040
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued Liabilities and Other Liabilities		Accrued Liabilities and Other Liabilities
Other Information [Abstract]
Operating outgoing cash flows from operating leases	$ 89	$ 87
Lease Costs [Abstract]
Operating lease cost	81	80
Variable lease cost	$ 10	$ 10

Operating leases, Undiscounted

Operating leases, Undiscounted Cash Flows (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Undiscounted Cash Flows of Operating Lease Liabilities [Abstract]
2023	$ 361
2024	376
2025	375
2026	346
2027	278
Thereafter	347
Total undiscounted cash flow	2,083
Less net present value adjustment	(122)
Lease Liability	$ 1,961	$ 2,040
Weighted-average remaining lease term	4 years 7 months 17 days
Weighted-average discount rate	2.14%

Commitments and Contingent Li_3

Commitments and Contingent Liabilities (Details) - The Bank of Greene County [Member] - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022
Commitments [Abstract]
Total commitments	$ 238,143	$ 299,580
Unfunded Loan Commitments [Member]
Commitments [Abstract]
Total commitments	147,171	213,420
Unused Lines of Credit [Member]
Commitments [Abstract]
Total commitments	90,083	85,971
Standby Letters of Credit [Member]
Commitments [Abstract]
Total commitments	$ 889	$ 189

Subsequent events (Details)

Subsequent events (Details) - $ / shares			3 Months Ended
	Oct. 19, 2022	Jan. 19, 2022	Sep. 30, 2022	Sep. 30, 2021
Dividends [Abstract]
Common stock, dividends declared (in dollars per share)			$ 0.14	$ 0.13
2022 Annual Dividend [Member]
Dividends [Abstract]
Common stock, dividends declared (in dollars per share)		$ 0.56
Subsequent Event [Member] | 2022 Annual Dividend [Member]
Dividends [Abstract]
Common stock, dividends declared (in dollars per share)	$ 0.56
Subsequent Event [Member] | 2023 Q1 Dividend [Member]
Dividends [Abstract]
Dividends payable, date declared	Oct. 19, 2022
Common stock, dividends declared (in dollars per share)	$ 0.14
Dividends payable, date of record	Nov. 15, 2022
Dividends payable, date to be paid	Nov. 30, 2022