IF Bancorp (IROQ) 10-Q 12 Nov 24 2025 Q1 Quarterly report Financial data

Cover Page

Cover Page - shares	3 Months Ended
	Sep. 30, 2024	Nov. 05, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2024
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q1
Trading Symbol	IROQ
Entity Registrant Name	IF Bancorp, Inc.
Entity Central Index Key	0001514743
Current Fiscal Year End Date	--06-30
Entity Current Reporting Status	Yes
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		3,353,026
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock, $0.01 par value
Security Exchange Name	NASDAQ
Entity Address, State or Province	IL
Entity Address, Address Line One	201 East Cherry Street
Entity Address, City or Town	Watseka
City Area Code	815
Local Phone Number	432-2476
Entity Tax Identification Number	45-1834449
Entity Incorporation, State or Country Code	MD
Entity File Number	001-35226
Entity Address, Postal Zip Code	60970

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Assets
Cash and due from banks	$ 7,214	$ 9,276
Interest-bearing demand deposits	570	295
Cash and cash equivalents	7,784	9,571
Interest-bearing time deposits in banks	250	250
Available-for-sale securities	192,651	190,475
Loans, net of allowance for credit losses of $7,472 and $7,499 at September 30, 2024 and June 30, 2024, respectively	647,064	639,297
Premises and equipment, net of accumulated depreciation of $9,350 and $9,196 at September 30, 2024 and June 30, 2024, respectively	10,498	10,580
Federal Home Loan Bank stock, at cost	4,758	4,499
Accrued interest receivable	3,823	3,457
Bank-owned life insurance	15,005	14,892
Mortgage servicing rights	1,366	1,491
Deferred income taxes	8,625	10,483
Other	1,601	2,750
Total assets	893,425	887,745
Deposits
Demand	36,851	103,314
Savings, NOW and money market	326,305	304,230
Certificates of deposit	290,503	290,633
Brokered certificates of deposit	23,500	29,000
Total deposits	677,159	727,177
Repurchase agreements	17,913	17,772
Federal Home Loan Bank advances	83,499	32,999
Other borrowings	25,175	25,250
Advances from borrowers for taxes and insurance	510	968
Accrued post-retirement benefit obligation	2,258	2,256
Accrued interest payable	2,756	3,009
Allowance for credit losses on off-balance sheet credit exposures	103	98
Other	5,287	4,300
Total liabilities	814,660	813,829
Commitments and Contingencies
Stockholders' Equity
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,353,026 shares issued and outstanding at both September 30, 2024 and June 30, 2024	33	33
Additional paid-in capital	51,999	51,913
Unearned ESOP shares, at cost, 129,904 and 134,715 shares at September 30, 2024 and June 30, 2024, respectively	(1,299)	(1,347)
Retained earnings	43,839	43,876
Accumulated other comprehensive loss, net of tax	(15,807)	(20,559)
Total stockholders' equity	78,765	73,916
Total liabilities and stockholders' equity	$ 893,425	$ 887,745

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 7,472	$ 7,499
Premises and equipment, accumulated depreciation	$ 9,350	$ 9,196
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	3,353,026	3,353,026
Common stock, shares outstanding	3,353,026	3,353,026
Unearned ESOP shares	129,904	134,715

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Interest and Dividend Income
Interest and fees on loans	$ 9,475	$ 7,733
Securities:
Taxable	1,253	1,395
Tax-exempt	23	26
Federal Home Loan Bank dividends	113	68
Deposits with other financial institutions	49	69
Total interest and dividend income	10,913	9,291
Interest Expense
Deposits	4,753	3,835
Federal Home Loan Bank advances and repurchase agreements	1,033	873
Line of credit and other borrowings	306	0
Total interest expense	6,092	4,708
Net Interest Income	4,821	4,583
Provision for Credit Losses	382	222
Net Interest Income After Provision for Credit Losses	4,439	4,361
Noninterest Income
Insurance commissions	184	171
Brokerage commissions	178	162
Net realized losses on sale of available-for-sale securities	(71)	0
Mortgage banking income (loss), net	(42)	140
Gain on sale of loans	97	72
Bank-owned life insurance income, net	115	101
Other	761	311
Total noninterest income	1,408	1,128
Noninterest Expense
Compensation and benefits	3,068	3,016
Office occupancy	279	289
Equipment	579	546
Federal deposit insurance	132	138
Stationary, printing and office	22	10
Advertising	101	77
Professional services	136	92
Supervisory examinations	25	27
Audit and accounting services	92	83
Organizational dues and subscriptions	22	23
Insurance bond premiums	64	59
Telephone and postage	46	41
Other	430	447
Total noninterest expense	4,996	4,848
Income Before Income Tax	851	641
Provision for Income Tax	218	175
Net Income	$ 633	$ 466
Earnings Per Share:
Basic	$ 0.2	$ 0.15
Diluted	0.2	0.14
Dividends declared per common share	$ 0.2	$ 0.2
Customer Service Fees [Member]
Noninterest Income
Noninterest income	$ 125	$ 101
Other Service Charges and Fees [Member]
Noninterest Income
Noninterest income	$ 61	$ 70

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net Income	$ 633	$ 466
Other Comprehensive Income (Loss)
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $1,875 and $(2,041), for 2024 and 2023, respectively	4,703	(5,121)
Less: reclassification adjustment for realized gains (losses) included in net income, net of taxes of $(20) and $0, for 2024 and 2023, respectively	(51)	0
Accumulated other comprehensive income (loss) before tax	4,754	(5,121)
Change in postretirement health plan gains and losses, net of taxes of $0 and $0 for 2024 and 2023, respectively	(2)	2
Other comprehensive income (loss), net of tax	4,752	(5,119)
Comprehensive Income (Loss)	$ 5,385	$ (4,653)

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Comprehensive Income (Loss) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Unrealized appreciation (depreciation) on available-for-sale securities, tax	$ 1,875	$ (2,041)
Reclassification adjustment for realized gains (losses) included in net income, tax	(20)	0
Change in postretirement health plan gains and losses, net of taxes	$ 0	$ 0

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Unearned ESOP Shares [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]
Beginning Balance at Jun. 30, 2023	$ 71,753	$ 33	$ 51,543	$ (1,540)	$ 43,365	$ (21,648)
Net income	466				466
Other comprehensive income (loss)	(5,119)					(5,119)
Dividends on common stock	(672)				(672)
Stock equity plan	90		90
ESOP shares earned	73		24	49
Ending Balance at Sep. 30, 2023	66,591	33	51,657	(1,491)	43,159	(26,767)
Beginning Balance at Jun. 30, 2024	73,916	33	51,913	(1,347)	43,876	(20,559)
Net income	633				633
Other comprehensive income (loss)	4,752					4,752
Dividends on common stock	(670)				(670)
Stock equity plan	49		49
ESOP shares earned	85		37	48
Ending Balance at Sep. 30, 2024	$ 78,765	$ 33	$ 51,999	$ (1,299)	$ 43,839	$ (15,807)

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Dividends declared per common share	$ 0.2	$ 0.2
ESOP shares earned, shares	4,811	4,811

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating Activities
Net income	$ 633	$ 466
Items not requiring (providing) cash
Depreciation	154	177
Provision for credit losses on loans	377	222
Accretion of premiums and discounts on securities	(30)	(66)
Deferred income taxes	(37)	116
Net realized gains on loan sales	(97)	(72)
Net realized losses on sales of available-for-sale securities	71	0
Nontaxable bank-owned life insurance income, net	(113)	(101)
Originations of loans held for sale	(4,629)	(3,539)
Proceeds from sales of loans held for sale	4,851	3,502
ESOP compensation expense	85	73
Stock equity plan expense	49	90
Changes in
Accrued interest receivable	(366)	(442)
Other assets	1,149	1,908
Accrued interest payable	(253)	1,071
Post-retirement benefit obligation	0	8
Other liabilities	322	(2,412)
Net cash provided by operating activities	2,166	1,001
Investing Activities
Purchases of available-for-sale securities	(4,353)	0
Proceeds from the sales of available-for-sale securities	4,665	0
Proceeds from maturities and pay downs of available-for-sale securities	4,120	3,091
Net change in loans	(8,144)	(27,402)
Purchase of premises and equipment	(72)	(93)
Proceeds from the sale of foreclosed assets	0	3
Purchase of Federal Home Loan Bank stock	(427)	(1,637)
Redemption of Federal Home Loan Bank stock	168	0
Net cash used in investing activities	(4,043)	(26,038)
Financing Activities
Net decrease in demand deposits, money market, NOW and savings accounts	(44,388)	(61,444)
Net increase (decrease) in certificates of deposit, including brokered certificates	(5,630)	13,278
Net decrease in advances from borrowers for taxes and insurance	(458)	(454)
Proceeds from Federal Home Loan Bank advances	216,000	203,500
Repayments of Federal Home Loan Bank advances	(165,500)	(132,500)
Proceeds from other borrowings	23,100	0
Repayments of other borrowings	(23,175)	0
Net increase in repurchase agreements	141	5,251
Net cash provided by financing activities	90	27,631
Net Increase (Decrease) in Cash and Cash Equivalents	(1,787)	2,594
Cash and Cash Equivalents, Beginning of Period	9,571	10,988
Cash and Cash Equivalents, End of Period	7,784	13,582
Supplemental Cash Flows Information
Interest paid	6,345	3,637
Income taxes paid (net of refunds)	0	45
Dividends payable	$ 670	$ 672

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 633	$ 466

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Financial Statement Pr

Basis of Financial Statement Presentation	3 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Financial Statement Presentation	Note 1: Basis of Financial Statement Presentation IF Bancorp, Inc., (“IF Bancorp” or the “Company”) is a Maryland corporation whose principal activity is the ownership and management of its The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial reporting and with instructions for Form 10-Q S-X. 10-K Revenue Recognition Accounting Standards Codification (“ASC”) 606, Revenue from Contracts with Customers The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit and investments securities, as well as revenue related to our mortgage servicing activities and bank owned life insurance, as these activities are subject to other GAAP discussed elsewhere within our disclosures. Descriptions of our revenue-generating activities that are within the scope of ASC 606, and which are presented in our income statements as components of noninterest income are as follows: • • • •

New Accounting Pronouncements

New Accounting Pronouncements	3 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements In March 2022, FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . 310-40, Receivables—Troubled Debt Restructurings by Creditors 326-20, Financial Instruments—Credit Losses—Measured at Amortized Cost 2022-02, In December 2023, the FASB issued ASU 2023-09, Improvements to Income Tax Disclosures.

Stock-based Compensation

Stock-based Compensation	3 Months Ended
	Sep. 30, 2024
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-based Compensation	Note 3: Stock-based Compensation In connection with the conversion to stock form, the Association established an ESOP for the exclusive benefit of eligible employees (all salaried employees who have completed at least 1,000 six two five The Company is accounting for its ESOP in accordance with ASC Topic 718, Employers Accounting for Employee Stock Ownership Plans A summary of ESOP shares at September 30, 2024 and June 30, 2024 are as follows (dollars in thousands): September 30, 2024 June 30, 2024 Allocated shares 189,941 170,696 Shares committed for release 4,811 19,245 Unearned shares 129,904 134,715 Total ESOP shares 324,656 324,656 Fair value of unearned ESOP shares (1) $ 2,620 $ 2,180 (1) Based on closing price of $20.17 and $16.18 per share on September 30, 2024, and June 30, 2024, respectively. During the three months ended September 30, 2024 and 2023, no ESOP shares were paid to ESOP participants due to separation from service. The IF Bancorp, Inc. 2012 Equity Incentive Plan (the “Equity Incentive Plan”) was approved by stockholders in 2012 for a ten-year non-qualified non-qualified On December 10, 2013, 85,500 shares of restricted stock and 167,000 in stock options were awarded to senior officers and directors of the Association. These shares of restricted stock vested in equal installments over 10 years and the stock options vested in equal installments over 7 years. Vesting of both the restricted stock and options started in December 2014, and were fully vested in December 2023. On December 10, 2015, 16,900 shares of restricted stock were awarded to senior officers and directors of the Association. These shares of restricted stock vest in equal installments over 8 years, starting in December 2016, and were fully vested in December 2023. On September 9, 2022, 53,000 shares of restricted stock were awarded to senior officers and directors of the Association. These shares of restricted stock will vest in equal installments over 5 years, starting in September 2023. No shares have been granted from the 2022 Equity Incentive Plan as of September 30, 2024, so there are 211,880 shares of restricted stock and 52,970 stock option shares available for future grants under this plan. No stock options were outstanding at September 30, 2024 and June 30, 2024, while 90,143 stock options were outstanding and exercisable at September 30, 2023. No stock options were granted or vested during the three months ended September 30, 2024 and 2023. The following table summarizes non-vested Shares Weighted-Average Grant- Balance, June 30, 2024 40,800 $ 19.10 Granted —  —  Forfeited —  —  Earned and issued 10,200 19.10 Balance, September 30, 2024 30,600 $ 19.10 The fair value of the restricted stock awards is amortized to compensation expense over the vesting period and is based on the market price of the Company’s common stock at the date of grant multiplied by the number of shares granted that are expected to vest. At the date of grant the par value of the shares granted was recorded in equity as a credit to common stock and a debit to paid-in non-interest non-vested paid-in

Earnings Per Common Share ("EPS

Earnings Per Common Share ("EPS")	3 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Common Share ("EPS")	Note 4: Earnings Per Common Share (“EPS”) Basic and diluted earnings per common share are presented for the three-month periods ended September 30, 2024 and 2023. The factors used in the earnings per common share computation are as follows: Three Months Ended Three Months Ended Net income $ 633 $ 466 Basic weighted average shares outstanding 3,353,026 3,354,626 Less: Average unallocated ESOP shares (132,309 ) (151,554 ) Basic average shares outstanding 3,220,717 3,203,072 Diluted effect of restricted stock awards and stock options —  63,681 Diluted average shares outstanding 3,220,717 3,266,753 Basic earnings per common share $ 0.20 $ 0.15 Diluted earnings per common share $ 0.20 $ 0.14

Securities

Securities	3 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Securities	Note 5: Securities The amortized cost and approximate fair value of securities, together with gross unrealized gains and losses, on securities are as follows: Amortized Cost Gross Gross Fair Value Available-for-sale September 30, 2024: U.S. Government and federal agency $ 5,983 $ —  $ (220 ) $ 5,763 Mortgage-backed: GSE residential 190,071 62 (20,495 ) 169,638 Small Business Administration 15,898 3 (1,749 ) 14,152 State and political subdivisions 3,098 —  —  3,098 $ 215,050 $ 65 $ (22,464 ) $ 192,651 June 30, 2024: U.S. Treasury $ 497 $ —  $ (53 ) $ 444 U.S. Government and federal agency 6,979 —  (370 ) 6,609 Mortgage-backed: GSE residential 192,556 41 (26,361 ) 166,236 Small Business Administration 16,387 —  (2,301 ) 14,086 State and political subdivisions 3,104 —  (4 ) 3,100 $ 219,523 $ 41 $ (29,089 ) $ 190,475 Available for sale securities (“AFS”), which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses, net of tax, are reported in accumulated other comprehensive loss, a component of stockholders’ equity. All securities have been classified as available for sale. Premiums and discounts on debt securities are amortized or accreted as adjustments to income over the estimated life of the security using the level yield method or to the earlier of call or maturity date. Realized gains or losses on the sale of securities is based on the specific identification method. The fair value of securities is based on quoted market prices or dealer quotes. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities. For AFS securities with fair value less than amortized cost that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income (loss). The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections, and is recorded to the allowance for credit losses (ACL) on investments, by a charge to provision for credit losses. Accrued interest receivable At adoption of ASU 2016-13, Changes in the ACL are recorded as expense. Losses are charged against the ACL when management believes the uncollectability of an AFS debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. The Company did not hold securities of any one issuer at September 30, 2024 with a book value that exceeded 10% of the Company’s total equity except for Mortgage-backed GSE residential securities and Small Business Administration securities with an amortized cost of approximately $190,071,000 and $15,898,000, respectively, and a market value of approximately $169,638,000 and $14,152,000, respectively, at September 30, 2024. All mortgage-backed securities at September 30, 2024, and June 30, 2024 were issued by GSEs. The amortized cost and fair value of available-for-sale Available-for-sale Securities Amortized Cost Fair Value Within one year $ 5,040 $ 5,015 One to five years 4,062 3,818 Five to ten years 6,409 6,053 After ten years 9,468 8,127 24,979 23,013 Mortgage-backed securities 190,071 169,638 Totals $ 215,050 $ 192,651 The carrying value of securities pledged as collateral to secure public deposits and for other purposes was $87,969,000 and $118,577,000 as of September 30, 2024 and June 30, 2024, respectively. The carrying value of securities sold under agreement to repurchase amounted to $17.9 million at September 30, 2024 and $17.8 million at June 30, 2024. At September 30, 2024, all $17.9 million of our repurchase agreements had an overnight maturity, and all were secured by U.S. Government, federal agency and GSE securities. The right of offset for a repurchase agreement resembles a secured borrowing, whereby the collateral pledged by the Company would be used to settle the fair value of the repurchase agreement should the Company be in default. The collateral is held by the Company in a segregated custodial account. In the event the collateral fair value falls below stipulated levels, the Company will pledge additional securities. The Company closely monitors collateral levels to ensure adequate levels are maintained. Gross gains of $30,000 and $0 and gross losses of $101,000 and $0 resulting from sales of available-for-sale Certain investments in debt securities are reported in the condensed consolidated financial statements at an amount less than their historical cost. Total fair value of these investments at September 30, 2024 and June 30, 2024, was $181,210,000 and $185,652,000, respectively, which is approximately 94% and 97% of the Company’s available-for-sale The following table shows the Company’s gross unrealized investment losses and the fair value of the Company’s investments, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2024 and June 30, 2024: Less Than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized September 30, 2024: U.S. Government and federal agency $ —  $ —  $ 5,763 $ (220) $ 5,763 $ (220 ) Mortgage-backed: GSE residential —  —  162,563 (20,495 ) 162,563 (20,495 ) Small Business Administration —  —  12,884 (1,749 ) 12,884 (1,749 ) Total $ —  $ —  $ 181,210 $ (22,464 ) $ 181,210 $ (22,464 ) June 30, 2024: U.S. Treasury $ —  $ —  $ 444 $ (53 ) $ 444 $ (53 ) U.S. Government and federal agency —  —  6,609 (370 ) 6,609 (370 ) Mortgage-backed: GSE residential 945 (1 ) 162,525 (26,360 ) 163,470 (26,361 ) Small Business Administration —  —  14,086 (2,301 ) 14,086 (2,301 ) State and political subdivisions 1,043 (4 ) —  —  1,043 (4 ) Total $ 1,988 $ (5 ) $ 183,664 $ (29,084 ) $ 185,652 $ (29,089 ) As of September 30, 2024, the company’s available-for-sale The unrealized losses on the Company’s investment in U.S. Treasury, U.S. Government and federal agency, Mortgage-backed Government sponsored enterprises, Small Business Administration and state and political subdivision securities at September 30, 2024 and June 30, 2024, were mostly the result of a decline in market value that was attributable to changes in interest rates and not credit quality, and the Company does not consider those investments to need an allowance for credit losses at September 30, 2024 and June 30, 2024.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	3 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans and Allowance for Credit Losses	Note 6: Loans and Allowance for Credit Losses Segments of loans include: September 30, 2024 June 30, 2024 Real estate loans: One- $ 176,334 $ 177,263 Multi-family 125,906 126,031 Commercial 205,103 200,017 Home equity lines of credit 9,927 9,859 Construction 30,839 33,708 Commercial 98,894 91,784 Consumer 7,186 7,727 Total loans 654,189 646,389 Less: Unearned fees and discounts, net (347 ) (407 ) Allowance for credit losses 7,472 7,499 Loans, net $ 647,064 $ 639,297 The Company had no loans held for sale included in one- The Company believes that sound loans are a necessary and desirable means of employing funds available for investment. Recognizing the Company’s obligations to its depositors and to the communities it serves, authorized personnel are expected to seek to develop and make sound, profitable loans that resources permit and that opportunity affords. The Company maintains lending policies and procedures in place designed to focus our lending efforts on the types, locations, and duration of loans most appropriate for our business model and markets. The Company’s principal lending activity is the origination of one- Management reviews and approves the Company’s lending policies and procedures on a routine basis. Management routinely (at least quarterly) reviews our allowance for credit losses and reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing The Company’s policies and loan approval limits are established by the Board of Directors. The structure of the Company’s loan approval process is based on progressively larger lending authorities granted to loan officers, loan committees, and ultimately the Board of Directors through its Operating Committee, consisting of the Chairman and up to four other Board members. At no time is a borrower’s total borrowing relationship to exceed our regulatory lending limit. Loans to related parties, including executive officers and the Company’s directors, are reviewed for compliance with regulatory guidelines and the Board of Directors at least annually. The Company conducts internal loan reviews that validate the loans against the Company’s loan policy quarterly for mortgage, consumer, and small commercial loans on a sample basis, and all larger commercial loans on an annual basis. The Company also receives independent loan reviews performed by a third party on larger commercial loans to be performed semi-annually. In addition to compliance with our policy, the third-party loan review process reviews the risk assessments made by our credit department, lenders and loan committees. Results of these reviews are presented to management and the Board of Directors. The Company’s lending can be summarized into six primary areas: one- One- The Company offers one- non-conforming one- one- The Company offers USDA (USDA Rural Development), FHA and VA loans that are originated through a nationwide wholesale lender. In addition, the Company also offers home equity loans that are secured by a second mortgage on the borrower’s primary or secondary residence. Home equity loans are generally underwritten using the same criteria used to underwrite one- As one- one- debt-to-income Commercial Real Estate and Multi-Family Real Estate Loans Commercial real estate mortgage loans are primarily secured by owner-occupied businesses, retail rentals, churches, office buildings, and farm loans secured by real estate. In underwriting commercial real estate and multi-family real estate loans, the Company considers a number of factors, which include the projected net cash flow to the loan’s debt service requirement, the age and condition of the collateral, the financial resources and income level of the borrower and the borrower’s experience in owning or managing similar properties. Personal guarantees are typically obtained from commercial real estate and multi-family real estate borrowers. In addition, the borrower’s financial information on such loans is monitored on an ongoing basis by requiring periodic financial statement updates. The repayment of these loans is primarily dependent on the cash flows of the underlying property. However, the commercial real estate loan generally must be supported by an adequate underlying collateral value. The performance and the value of the underlying property may be adversely affected by economic factors or geographical and/or industry specific factors. These loans are subject to other industry guidelines that are closely monitored by the Company. Home Equity Lines of Credit In addition to traditional one- one- debt-to-income Commercial Business Loans The Company originates commercial non-mortgage small-and medium-sized The commercial business loan portfolio consists primarily of secured loans. When making commercial business loans, the Company considers the financial statements, lending history and debt service capabilities of the borrower, the projected cash flows of the business and the value of any collateral. The cash flows of the underlying borrower, however, may not perform consistently with historical or projected information. Further, the collateral securing loans may fluctuate in value due to individual economic or other factors. Loans are typically guaranteed by the principals of the borrower. The Company has established minimum standards and underwriting guidelines for all commercial loan types. Real Estate Construction Loans The Company originates construction loans for one- Consumer Loans Consumer loans consist of installment loans to individuals, primarily automotive loans. These loans are underwritten utilizing the borrower’s financial history, including the Fair Isaac Corporation (“FICO”) Loan-to-value Loan Concentrations The loan portfolio includes a concentration of loans secured by commercial real estate properties, including real estate construction loans, amounting to $349,133,000 and $346,499,000 as of September 30, 2024 and June 30, 2024, respectively. Generally, these loans are collateralized by multi-family and nonresidential properties. The loans are expected to be repaid from cash flows or from proceeds from the sale of the properties of the borrower. Purchased Loans and Loan Participations The Company’s loans receivable included purchased loans of $237,000 and $253,000 at September 30, 2024 and June 30, 2024, respectively. All these purchased loans are secured by single family homes located out of our primary market area, primarily in the Midwest. The Company’s loans receivable also included commercial loan participations of $54,082,000 and $51,798,000 at September 30, 2024 and June 30, 2024, respectively, of which $37,297,000 and $34,929,000, at September 30, 2024 and June 30, 2024 were outside our primary market area. These participation loans are secured by real estate and other business assets. Allowance for Credit Losses The following tables present the activity in the allowance for credit losses for the three-month periods ended September 30, 2024 and 2023 and the year ended June 30, 2024: Three Months Ended September 30, 2024 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,774 $ 1,764 $ 2,358 $ 148 Provision (credit) charged to expense (147 ) 348 4 (1 ) Losses charged off —  (350 ) —  —  Recoveries 1 —  —  —  Balance, end of period $ 1,628 $ 1,762 $ 2,362 $ 147 Loans: Ending balance $ 176,334 $ 125,906 $ 205,103 $ 9,927 Three Months Ended September 30, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 337 $ 1,053 $ 65 $ 7,499 Provision (credit) charged to expense (59 ) 231 1 377 Losses charged off —  (50 ) (9 ) (409 ) Recoveries —  2 2 5 Balance, end of period $ 278 $ 1,236 $ 59 $ 7,472 Loans: Ending balance $ 30,839 $ 98,894 $ 7,186 $ 654,189 Year Ended June 30, 2024 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense (127 ) 643 (11 ) 27 Losses charged off —  —  —  —  Recoveries 3 —  —  —  Balance, end of period $ 1,774 $ 1,764 $ 2,358 $ 148 Loans: Ending balance $ 177,263 $ 126,031 $ 200,017 $ 9,859 Year Ended June 30, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense (428 ) 17 29 150 Losses charged off —  —  (49 ) (49 ) Recoveries —  242 14 259 Balance, end of period $ 337 $ 1,053 $ 65 $ 7,499 Loans: Ending balance $ 33,708 $ 91,784 $ 7,727 $ 646,389 Three Months Ended September 30, 2023 Real Estate Loans One- Multi-Family Commercial Home Equity Lines of Credit Allowance for credit losses: Balance, beginning of period $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense 8 (6 ) (104 ) 13 Losses charged off —  —  —  —  Recoveries —  —  —  —  Balance, end of period $ 1,906 $ 1,115 $ 2,265 $ 134 Loans: Ending balance $ 170,154 $ 89,177 $ 193,582 $ 8,511 Three Months Ended September 30, 2023 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense 400 (12 ) 11 310 Losses charged off —  —  (7 ) (7 ) Recoveries —  6 2 8 Balance, end of period $ 1,165 $ 788 $ 77 $ 7,450 Loans: Ending balance $ 72,810 $ 79,194 $ 8,343 $ 621,771 Management’s opinion as to the ultimate collectability of loans is subject to estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers. The allowance for credit losses represents the Company’s best estimate of the reserve necessary to adequately account for probable losses expected over the remaining contractual life of the assets. The provision for credit losses is the charge against current earnings that is determined by the Company as the amount needed to maintain an adequate allowance for credit losses. In determining the adequacy of the allowance for credit losses, and therefore the provision to be charged to current earnings, the Company relies on a sound credit review and approval process. The review process is directed by the overall lending policy and is intended to identify, at the earliest possible stage, borrowers who might be facing financial difficulty. The Company utilizes the CECL cohort methodology analysis which relies on segmenting the loan portfolio into pools with similar risks, tracking the performance of the pools over time, and using the data to determine pool loss experience. The ACL is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans and is established through provision for credit losses charged to current earnings. The ACL is increased by the provision for losses on loans charged to expense and reduced by loans charged off, net of recoveries. Loans are charged off in the period deemed uncollectible, based on management’s analysis of expected cash flows (for non-collateral Management estimates the ACL balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Adjustments may be made to historical loss information for differences identified in current loan-specific risk characteristics, such as differences in underwriting standards or terms; lending review systems; experience, ability, or depth of lending management and staff; portfolio growth and mix; delinquency levels and trends; as well as for changes in environmental conditions, such as changes in economic activity or employment, industry economic conditions, property values, or other relevant factors. The allowance for credit losses on most loans is measured on a collective (pool) basis for loans with similar risk characteristics. The Company estimates the appropriate level of allowance for credit losses for specifically identified loans by evaluating them individually. The specific allowance for collateral-dependent loans that are evaluated separately is measured by determining the fair value of the collateral adjusted for market conditions and selling expense. Factors used in identifying a specific problem loan include: (1) the strength of the customer’s personal or business cash flows; (2) the availability of other sources of repayment; (3) the amount due or past due; (4) the type and value of collateral; (5) the strength of the collateral position; (6) the estimated cost to sell the collateral; and (7) the borrower’s effort to cure the delinquency. In addition, for loans secured by real estate, the Company also considers the extent of any past due and unpaid property taxes applicable to the property serving as collateral on the mortgage. The Company establishes a general allowance for loans that are not individually evaluated to recognize the inherent losses associated with lending activities, but which, unlike specific allowances, has not been allocated to particular problem assets. The general valuation allowance is determined by segmenting the loan portfolio into pools with similar risks and collecting data to determine pool loss experience. Factors considered by the Company in evaluating the overall adequacy of the allowance include historical net loan losses, the level and composition of nonaccrual, past due and loan modifications for borrowers with financial difficulties, trends in volumes and terms of loans, effects of changes in risk selection and underwriting standards or lending practices, lending staff changes, concentrations of credit, industry conditions and the current economic conditions in the region where the Company operates. In addition, a forecast, using reasonable and supportable future conditions, is prepared that is used to estimate expected changes to existing and historical conditions in the current period. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. All loans are graded at inception of the loan. Subsequently, analyses are performed on an annual basis and grade changes are made as necessary. Interim grade reviews may take place if the circumstances of the borrower warrant a timelier review. The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk rating system, the Company classifies problem and potential problem loans as “Watch,” “Substandard,” “Doubtful,” and “Loss.” The Company uses the following definitions for risk ratings: Pass – Watch – Substandard – Doubtful – Loss – Risk characteristics applicable to each segment of the loan portfolio are described as follows. Residential One- one- one- Commercial and Multi-family Real Estate: Construction Real Estate: Commercial Business: Consumer: The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and calendar year of origination as of both September 30, 2024 and June 30, 2024 (in thousands): September 30, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 17,952 $ 38,730 $ 49,615 $ 23,713 $ 15,223 $ 30,819 $ 176,052 Watch —  —  —  66 —  —  66 Substandard —  —  4 5 —  207 216 Total $ 17,952 $ 38,730 $ 49,619 $ 23,784 $ 15,223 $ 31,026 $ 176,334 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 1 $ 1 Multi-Family Pass $ 1,634 $ 8,623 $ 51,025 $ 20,238 $ 22,583 $ 21,572 $ 125,675 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  231 231 Total $ 1,634 $ 8,623 $ 51,025 $ 20,238 $ 22,583 $ 21,803 $ 125,906 Current period charge-offs $ —  $ (350 ) $ —  $ —  $ —  $ —  $ (350 ) Commercial Real Estate Pass $ 13,090 $ 32,704 $ 53,483 $ 27,342 $ 29,944 $ 47,334 $ 203,897 Watch —  —  —  —  —  —  —  Substandard —  —  —  142 812 252 1,206 Total $ 13,090 $ 32,704 $ 53,483 $ 27,484 $ 30,756 $ 47,586 $ 205,103 Home Equity Line of Credit Pass $ 2,575 $ 2,263 $ 1,497 $ 1,531 $ 717 $ 1,344 $ 9,927 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 2,575 $ 2,263 $ 1,497 $ 1,531 $ 717 $ 1,344 $ 9,927 Construction Pass $ 8,993 $ 18,377 $ 3,250 $ —  $ —  $ 219 $ 30,839 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 8,993 $ 18,377 $ 3,250 $ —  $ —  $ 219 $ 30,839 Commercial Business Pass $ 18,935 $ 42,386 $ 9,605 $ 9,586 $ 7,055 $ 9,873 $ 97,440 Watch —  —  —  —  —  —  —  Substandard —  133 41 190 1,034 56 1,454 Total $ 18,935 $ 42,519 $ 9,646 $ 9,776 $ 8,089 $ 9,929 $ 98,894 Current period charge-offs $ —  $ (50 ) $ —  $ —  $ —  $ —  $ (50 ) Current period recoveries $ —  $ —  $ —  $ —  $ 2 $ —  $ 2 Consumer Pass $ 2,287 $ 2,291 $ 1,569 $ 662 $ 301 $ 54 $ 7,164 Watch —  —  —  —  —  —  —  Substandard —  22 —  —  —  —  22 Total $ 2,287 $ 2,313 $ 1,569 $ 662 $ 301 $ 54 $ 7,186 Current period charge-offs $ (8 ) $ —  $ (1) $ —  $ —  $ —  $ (9 ) Current period recoveries $ 2 $ —  $ —  $ —  $ —  $ —  $ 2 Total Loans Pass $ 65,466 $ 145,374 $ 170,044 $ 83,072 $ 75,823 $ 111,215 $ 650,994 Watch —  —  —  66 —  —  66 Substandard —  155 45 337 1,846 746 3,129 Total $ 65,466 $ 145,529 $ 170,089 $ 83,475 $ 77,669 $ 111,961 $ 654,189 June 30, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 14,790 $ 39,202 $ 51,262 $ 24,362 $ 15,455 $ 31,926 $ 176,997 Watch —  —  —  72 —  —  72 Substandard —  14 5 5 —  170 194 Total $ 14,790 $ 39,216 $ 51,267 $ 24,439 $ 15,455 $ 32,096 $ 177,263 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 3 $ 3 Multi-Family Pass $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 21,867 $ 125,797 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  234 234 Total $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 22,101 $ 126,031 Commercial Real Estate Pass $ 4,602 $ 29,665 $ 57,530 $ 27,622 $ 30,489 $ 48,886 $ 198,794 Watch —  —  —  —  —  —  —  Substandard —  —  —  150 821 252 1,223 Total $ 4,602 $ 29,665 $ 57,530 $ 27,772 $ 31,310 $ 49,138 $ 200,017 Home Equity Line of Credit Pass $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Construction Pass $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Commercial Business Pass $ 10,357 $ 38,853 $ 10,158 $ 9,898 $ 8,201 $ 12,803 $ 90,270 Watch —  —  —  —  —  —  —  Substandard —  133 47 190 1,088 56 1,514 Total $ 10,357 $ 38,986 $ 10,205 $ 10,088 $ 9,289 $ 12,859 $ 91,784 Current period recoveries $ —  $ —  $ —  $ —  $ 242 $ —  $ 242 Consumer Pass $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Current period charge-offs $ (48 ) $ —  $ —  $ (1 ) $ —  $ —  $ (49 ) Current period recoveries $ 14 $ —  $ —  $ —  $ —  $ —  $ 14 Total Loans Pass $ 43,030 $ 142,763 $ 177,183 $ 84,877 $ 78,062 $ 117,237 $ 643,152 Watch —  —  —  72 —  —  72 Substandard —  147 52 345 1,909 712 3,165 Total $ 43,030 $ 142,910 $ 177,235 $ 85,294 $ 79,971 $ 117,949 $ 646,389 The following tables present the Company’s loan portfolio aging analysis: 30-59 Days 60-89 Days Past Due Greater Total Past Due Current Total Loans Total Loans September 30, 2024: Real estate loans: One- $ 440 $ 609 $ 38 $ 1,087 $ 175,247 $ 176,334 $ 38 Multi-family —  144 —  144 125,762 125,906 —  Commercial —  —  —  —  205,103 205,103 —  Home equity lines of credit 4 —  —  4 9,923 9,927 —  Construction —  —  —  —  30,839 30,839 —  Commercial —  21 —  21 98,873 98,894 —  Consumer 105 1 21 127 7,059 7,186 —  Total $ 549 $ 775 $ 59 $ 1,383 $ 652,806 $ 654,189 $ 38 30-59 Days 60-89 Days Past Due Greater Total Past Due Current Total Loans Total Loans > 90 Days & June 30, 2024: Real estate loans: One- $ 1,009 $ 192 $ —  $ 1,201 $ 176,062 $ 177,263 $ —  Multi-family 141 —  —  141 125,890 126,031 —  Commercial —  —  150 150 199,867 200,017 —  Home equity lines of credit 17 25 —  42 9,817 9,859 —  Construction 237 —  —  237 33,471 33,708 —  Commercial 21 20 —  41 91,743 91,784 —  Consumer 27 1 23 51 7,676 7,727 23 Total $ 1,452 $ 238 $ 173 $ 1,863 $ 644,526 $ 646,389 $ 23 The allowance for credit losses on most loans is measured on a collective (pool) basis for loans with similar risk characteristics, while some loans are selected to be evaluated individually. At September 30, 2024 and at June 30, 2024, no non-performing The following table presents the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated for which no allowance was recorded at September 30, 2024 and June 30, 2024: September 30, 2024 June 30, 2024 Nonaccrual with no Nonaccrual Nonaccrual with no Nonaccrual Mortgages on real estate: One- $ —  $ —  $ —  $ —  Multi-family —  —  —  —  Commercial —  142 —  150 Home equity lines of credit —  —  —  —  Construction loans —  —  —  —  Commercial business loans —  —  —  —  Consumer loans —  21 —  —  Total $ —  $ 163 $ —  $ 150 Loan Modifications with Borrowers Experiencing Financial Difficulty The Company modified no loans for borrowers with financial difficulty in the three months ended September 30, 2024 and two in the year ended June 30, 2024. The following table shows the amortized cost of loans at September 30, 2024 and at June 30, 2024 that were modified and experiencing financial difficulty, segregated by portfolio segment and type of modification. The percentage of the amortized cost of loans that were modified to borrowers in financial distress as compared to outstanding loans is also presented below. September 30, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.12 % Home equity lines of credit —  —  Construction —  —  Commercial business 133 0.13 % Consumer —  —  Total $ 385 0.06 % June 30, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.13 % Home equity lines of credit —  —  Construction —  —  Commercial business 133 0.15 % Consumer —  —  Total $ 385 0.06 % Loan Modifications with Defaults The Company had no loan modifications for borrowers experiencing financial difficulty in default or in foreclosure as of September 30, 2024 or as of June 30, 2024. The Company defines a default as any loan that becomes 90 days or more past due. Management considers the level of defaults within the various portfolios, as well as the current adverse economic environment and negative outlook in the real estate and collateral markets when evaluating qualitative adjustments used to determine the adequacy of the allowance for credit losses. The Company believes the qualitative adjustments more accurately reflect collateral values considering the sales and economic conditions that the Company has recently observed. The Company may obtain physical possession of real estate collateralizing a residential mortgage loan or home equity loan via foreclosure or in-substance

Federal Home Loan Bank Stock

Federal Home Loan Bank Stock	3 Months Ended
	Sep. 30, 2024
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank Stock	Note 7: Federal Home Loan Bank Stock Federal Home Loan Bank stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in the common stock is based on a predetermined formula. The Company owned approximately $4,758,000 and $4,499,000 of Federal Home Loan Bank stock as of September 30, 2024 and June 30, 2024, respectively. The FHLB provides liquidity and funding through advances.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances and Other Borrowings	3 Months Ended
	Sep. 30, 2024
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank Advances and Other Borrowings	Note 8: Federal Home Loan Bank Advances and Other Borrowings The Federal Home Loan Bank advances totaled $83,499,000 and $32,999,000 as of September 30, 2024 and June 30, 2024, respectively. The Federal Home Loan Bank advances are secured by mortgage, multi-family, commercial real estate and HELOC loans totaling $414,249,000 at September 30, 2024 and $408,196,000 at June 30, 2024, and are subject to restrictions or penalties in the event of prepayment. Interest rates on advances were from 0 to 5.29 percent with maturities from 2024 to 2030 at September 30, 2024, while interest rates on advances were from 0.00 to 5.29 percent with maturities from 2024 to 2030 at June 30, 2024. At September 30, 2024, the Company’s advances included 7 advances at a rate of 0% totaling $1,499,000 as part of the Federal Home Loan Bank Community Small Business Advance program. Other borrowings include borrowings from the Federal Reserve Bank Term Funding Program (BTFP). The Federal Reserve created the BTFP in March 2023 to offer loans of up to one year in length to qualifying financial institutions which pledge collateral, such as U.S. Treasuries, U.S. agency securities, and U.S. agency mortgage-backed securities. The collateral is valued at par and advances under this program do not include any fees or prepayment penalties. At September 30, 2024 and June 30, 2024, the Company had total borrowings from the Federal Reserve BTFP of $25,175,000 and $25,250,000, respectively, at a rate of 4.76% with a maturity of January 16, 2025. The collateral par value of securities pledged to the Federal Reserve BTFP was $25,178,000 and $25,272,000 as of September 30, 2024 and June 30, 2024, respectively.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Sep. 30, 2024
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 9: Accumulated Other Comprehensive The following tables present changes in accumulated other comprehensive income (loss), by component, net of tax, for the three months ended September 30, 2024 and 2023: Unrealized Available-for- Sale Securities Defined Total September 30, 2024: Beginning balance $ (20,768 ) $ 209 $ (20,559 ) Other comprehensive income before reclassification 4,703 —  4,703 Amounts reclassified from accumulated other comprehensive loss 51 —  51 Net current period other comprehensive loss —  (2 ) (2 ) Ending balance $ (16,014 ) $ 207 $ (15,807 ) September 30, 2023: Beginning balance $ (21,715 ) $ 67 $ (21,648 ) Other comprehensive loss before reclassification (5,121 ) —  (5,121 ) Net current period other comprehensive loss —  2 2 Ending balance $ (26,836 ) $ 69 $ (26,767 )

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income (Loss) (AOCI) by Component	3 Months Ended
	Sep. 30, 2024
Text Block [Abstract]
Changes in Accumulated Other Comprehensive Income (Loss) (AOCI) by Component	Note 10: Changes in Accumulated Other Comprehensive Income (Loss) (AOCI) by Component Amounts reclassified from AOCI and the affected line items in the statements of income during the quarters ended September 30, 2024 and 2023, were as follows: Amounts Reclassified from AOCI 2024 2023 Affected Line Item in the Condensed Consolidated Statements of Income Realized gains (losses) on available-for-sale $ (71 ) $ —  Net realized gains (losses) on sale of available-for-sale Amortization of defined benefit pension items: Actuarial losses $ (2 ) $ 2 Components are included in computation of net periodic pension cost Total reclassified amount before tax $ (73 ) $ 2 Tax expense (credit) $ (20 ) $ —  Provision (credit) for Income Tax Total reclassification out of AOCI $ (53 ) $ 2 Net Income

Income Taxes

Income Taxes	3 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Note 11: Income Taxes A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: Three Months Ended September 30, 2024 2023 Computed at the statutory rate $ 179 $ 135 Increase resulting from Tax exempt interest (8 ) (8 ) Cash surrender value of life insurance (24 ) (21 ) State income taxes 58 46 Other 13 23 Actual expense $ 218 $ 175

Regulatory Capital

Regulatory Capital	3 Months Ended
	Sep. 30, 2024
Federal Home Loan Banks [Abstract]
Regulatory Capital	Note 12: Regulatory Capital The Association is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and discretionary actions by regulators that if undertaken, could have a direct material effect on the Association’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Association must meet specific capital guidelines involving quantitative measures of the Association’s assets, liabilities and certain off-balance-sheet The Basel III regulatory capital framework (the “Basel III Capital Rules”) adopted by U.S. federal regulatory authorities, among other things, (i) establish the capital measure called “Common Equity Tier 1” (“CET1”), (ii) specify that Tier 1 capital consist of CET1 and “Additional Tier 1 Capital” instruments meeting stated requirements, (iii) define CET1 narrowly by requiring that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of capital and (iv) set forth the acceptable scope of deductions/adjustments to the specified capital measures. In addition, to avoid restrictions on capital distributions, including dividend payments and stock repurchases, or discretionary bonus payments to executives, a covered banking organization must maintain a “capital conservation buffer” of 2.5 percent on top of its minimum risk-based capital requirements. This buffer must consist solely of Tier 1 Common Equity and the buffer applies to all three measurements: Common Equity Tier 1, Tier 1 capital and total capital. As a result of the Economic Growth, Regulatory Relief, and Consumer Protection Act, the federal banking agencies were required to develop a “Community Bank Leverage Ratio” (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 billion. A “qualifying community bank” that exceeds this ratio will be deemed to be in compliance with all other capital and leverage requirements, including the capital requirements to be considered “well capitalized” under Prompt Corrective Action statutes. The Community Bank Leverage Ratio is currently set at 9%. The Association opted into the Community Bank Leverage Ratio in 2020. As of September 30, 2024, the Association met all capital adequacy requirements to which it is subject and was categorized as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events that management believes have changed the Association’s prompt corrective action category.

Disclosures About Fair Value of

Disclosures About Fair Value of Assets	3 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Disclosures About Fair Value of Assets	Note 13: Disclosures About Fair Value of Assets Fair value is the price that would be received to sell an asset in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value: Level 1 Quoted prices in active markets for identical assets Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying condensed consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2024 and June 30, 2024: Fair Value Measurements Using Fair Value Quoted (Level 1) Significant (Level 2) Significant (Level 3) September 30, 2024: Available-for-sale U.S. Government and federal agency and Government sponsored enterprises (GSE’s) $ 5,763 $ —  $ 5,763 $ —  Mortgage-backed: GSE residential 169,638 —  169,638 —  Small Business Administration 14,152 —  14,152 —  State and political subdivisions 3,098 —  1,041 2,057 Mortgage servicing rights 1,366 —  —  1,366 Fair Value Measurements Using Fair Value Quoted (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Available-for-sale U.S. Treasury $ 444 $ 444 $ —  $ —  U.S. Government and federal agency and Government sponsored enterprises (GSE’s) 6,609 —  6,609 —  Mortgage-backed: GSE residential 166,236 —  166,236 —  Small Business Administration 14,086 —  14,086 —  State and political subdivisions 3,100 —  1,043 2,057 Mortgage servicing rights 1,491 —  —  1,491 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the period ended September 30, 2024. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-sale Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. For these investments, the inputs used by the pricing service to determine fair value may include one, or a combination of, observable inputs such as benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided Mortgage Servicing Rights Mortgage servicing rights do not trade in an active, open market with readily observable prices. Accordingly, fair value is estimated using discounted cash flow models. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy. Level 3 Reconciliation The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheet using significant unobservable (Level 3) inputs: Three months ended September 30, 2024 Obligations of  Mortgage  Total Beginning balance $ 2,057 $ 1,491 $ 3,548 Transfers into Level 3 —  47 47 Transfers out of Level 3 —  (34 ) (34 ) Total realized and unrealized gains and losses included in net income —  (138 ) (138 ) Purchases —  —  —  Sales —  —  —  Settlements —  —  —  Ending balance $ 2,057 $ 1,366 $ 3,423 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ (138 ) $ (138 ) Year ended June 30, 2024 Obligations of  Mortgage  Total Beginning balance $ 2,361 $ 1,482 $ 3,843 Transfers into Level 3 —  151 151 Transfers out of Level 3 —  (143 ) (143 ) Total realized and unrealized gains and losses included in net income —  1 1 Purchases —  —  —  Sales —  —  —  Settlements (304 ) —  (304 ) Ending balance $ 2,057 $ 1,491 $ 3,548 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ 1 $ 1 Realized and unrealized gains and losses for items reflected in the table above are included in net income in the condensed consolidated statements of income as noninterest income. Unobservable (Level 3) Inputs The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at September 30, 2024 and June 30, 2024. Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,366 Discounted cash flow Discount rate Constant prepayment rate Probability of default 10.0% (10.0%) 7.2% - 10.0% (7.7%) 0.08% - 0.12% (0.11%) State and political subdivision $ 2,057 Discounted cash flow Maturity/Call Date Weighted average coupon Marketability yield adjustment 1 month – 7 years 2.97% - 3.08% (3.04%) 1.0% - 2.0% (1.6%) Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,491 Discounted cash flow Discount rate Constant prepayment rate Probability of default 10.0% ( 6.2% - 8.0% (7.7%) 0.08% - 0.12% (0.11%) State and political subdivision 2,057 Discounted cash flow Maturity/Call Date Weighted average coupon Marketability yield adjustment 1 month – 7 years 2.97% - 3.08% (3.04%) 1.0% - 2.0% (1.6%) Fair Value of Financial Instruments The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2024 and June 30, 2024. Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) September 30, 2024: Financial assets Cash and cash equivalents $ 7,784 $ 7,784 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 647,064 —  —  619,357 Federal Home Loan Bank stock 4,758 —  4,758 —  Accrued interest receivable 3,823 —  3,823 —  Financial liabilities Deposits 677,159 —  363,156 314,167 Repurchase agreements 17,913 —  17,913 —  Federal Home Loan Bank advances 83,499 —  83,119 —  Other borrowings 25,175 25,183 Advances from borrowers for taxes and insurance 510 —  510 —  Accrued interest payable 2,756 —  2,756 —  Unrecognized financial instruments (net of contract amount) —  —  —  —  Commitments to originate loans —  —  —  —  Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Financial assets Cash and cash equivalents $ 9,571 $ 9,571 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 639,297 —  —  607,076 Federal Home Loan Bank stock 4,499 —  4,499 —  Accrued interest receivable 3,457 —  3,457 —  Financial liabilities Deposits 727,177 —  407,544 318,612 Repurchase agreements 17,772 —  17,772 —  Federal Home Loan Bank advances 32,999 —  32,560 —  Other Borrowings 25,250 —  25,199 —  Advances from borrowers for taxes and insurance 968 —  968 —  Accrued interest payable 3,009 —  3,009 —  Unrecognized financial instruments (net of contract amount) Commitments to originate loans —  —  —  —  The methods utilized to measure the fair value of financial instruments at September 30, 2024, represent

Commitments

Commitments	3 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments	Note 14: Commitments Commitments to Originate Loans Commitments to extend credit are agreements to lend to a customer if 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 a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case Lines of Credit Lines of credit are agreements to lend to a customer if there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case on-balance-sheet Off-Balance Off-balance non-performance off-balance off-balance off-balance off-balance off-balance

New Accounting Pronouncements (

New Accounting Pronouncements (Policies)	3 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Liabilities	In March 2022, FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . 310-40, Receivables—Troubled Debt Restructurings by Creditors 326-20, Financial Instruments—Credit Losses—Measured at Amortized Cost 2022-02, In December 2023, the FASB issued ASU 2023-09, Improvements to Income Tax Disclosures.

Stock-based Compensation (Table

Stock-based Compensation (Tables)	3 Months Ended
	Sep. 30, 2024
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of ESOP Shares	A summary of ESOP shares at September 30, 2024 and June 30, 2024 are as follows (dollars in thousands): September 30, 2024 June 30, 2024 Allocated shares 189,941 170,696 Shares committed for release 4,811 19,245 Unearned shares 129,904 134,715 Total ESOP shares 324,656 324,656 Fair value of unearned ESOP shares (1) $ 2,620 $ 2,180 (1) Based on closing price of $20.17 and $16.18 per share on September 30, 2024, and June 30, 2024, respectively.
Summary of Non-vested Restricted Stock Activity	The following table summarizes non-vested Shares Weighted-Average Grant- Balance, June 30, 2024 40,800 $ 19.10 Granted —  —  Forfeited —  —  Earned and issued 10,200 19.10 Balance, September 30, 2024 30,600 $ 19.10

Earnings Per Common Share ("E_2

Earnings Per Common Share ("EPS") (Tables)	3 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Factors Used in Earnings Per Common Share Computation	Basic and diluted earnings per common share are presented for the three-month periods ended September 30, 2024 and 2023. The factors used in the earnings per common share computation are as follows: Three Months Ended Three Months Ended Net income $ 633 $ 466 Basic weighted average shares outstanding 3,353,026 3,354,626 Less: Average unallocated ESOP shares (132,309 ) (151,554 ) Basic average shares outstanding 3,220,717 3,203,072 Diluted effect of restricted stock awards and stock options —  63,681 Diluted average shares outstanding 3,220,717 3,266,753 Basic earnings per common share $ 0.20 $ 0.15 Diluted earnings per common share $ 0.20 $ 0.14

Securities (Tables)

Securities (Tables)	3 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Approximate Fair Value of Securities, Together with Gross Unrealized Gains and Losses of Securities	The amortized cost and approximate fair value of securities, together with gross unrealized gains and losses, on securities are as follows: Amortized Cost Gross Gross Fair Value Available-for-sale September 30, 2024: U.S. Government and federal agency $ 5,983 $ —  $ (220 ) $ 5,763 Mortgage-backed: GSE residential 190,071 62 (20,495 ) 169,638 Small Business Administration 15,898 3 (1,749 ) 14,152 State and political subdivisions 3,098 —  —  3,098 $ 215,050 $ 65 $ (22,464 ) $ 192,651 June 30, 2024: U.S. Treasury $ 497 $ —  $ (53 ) $ 444 U.S. Government and federal agency 6,979 —  (370 ) 6,609 Mortgage-backed: GSE residential 192,556 41 (26,361 ) 166,236 Small Business Administration 16,387 —  (2,301 ) 14,086 State and political subdivisions 3,104 —  (4 ) 3,100 $ 219,523 $ 41 $ (29,089 ) $ 190,475
Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity	The amortized cost and fair value of available-for-sale Available-for-sale Securities Amortized Cost Fair Value Within one year $ 5,040 $ 5,015 One to five years 4,062 3,818 Five to ten years 6,409 6,053 After ten years 9,468 8,127 24,979 23,013 Mortgage-backed securities 190,071 169,638 Totals $ 215,050 $ 192,651
Association's Investments Gross Unrealized Investment Losses and Fair Value of Association's Investments with Unrealized Losses	The following table shows the Company’s gross unrealized investment losses and the fair value of the Company’s investments, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2024 and June 30, 2024: Less Than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized September 30, 2024: U.S. Government and federal agency $ —  $ —  $ 5,763 $ (220) $ 5,763 $ (220 ) Mortgage-backed: GSE residential —  —  162,563 (20,495 ) 162,563 (20,495 ) Small Business Administration —  —  12,884 (1,749 ) 12,884 (1,749 ) Total $ —  $ —  $ 181,210 $ (22,464 ) $ 181,210 $ (22,464 ) June 30, 2024: U.S. Treasury $ —  $ —  $ 444 $ (53 ) $ 444 $ (53 ) U.S. Government and federal agency —  —  6,609 (370 ) 6,609 (370 ) Mortgage-backed: GSE residential 945 (1 ) 162,525 (26,360 ) 163,470 (26,361 ) Small Business Administration —  —  14,086 (2,301 ) 14,086 (2,301 ) State and political subdivisions 1,043 (4 ) —  —  1,043 (4 ) Total $ 1,988 $ (5 ) $ 183,664 $ (29,084 ) $ 185,652 $ (29,089 )

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Sep. 30, 2024
Categories of Loans	Segments of loans include: September 30, 2024 June 30, 2024 Real estate loans: One- $ 176,334 $ 177,263 Multi-family 125,906 126,031 Commercial 205,103 200,017 Home equity lines of credit 9,927 9,859 Construction 30,839 33,708 Commercial 98,894 91,784 Consumer 7,186 7,727 Total loans 654,189 646,389 Less: Unearned fees and discounts, net (347 ) (407 ) Allowance for credit losses 7,472 7,499 Loans, net $ 647,064 $ 639,297
Allowance for Credit Losses	Allowance for Credit Losses The following tables present the activity in the allowance for credit losses for the three-month periods ended September 30, 2024 and 2023 and the year ended June 30, 2024: Three Months Ended September 30, 2024 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,774 $ 1,764 $ 2,358 $ 148 Provision (credit) charged to expense (147 ) 348 4 (1 ) Losses charged off —  (350 ) —  —  Recoveries 1 —  —  —  Balance, end of period $ 1,628 $ 1,762 $ 2,362 $ 147 Loans: Ending balance $ 176,334 $ 125,906 $ 205,103 $ 9,927 Three Months Ended September 30, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 337 $ 1,053 $ 65 $ 7,499 Provision (credit) charged to expense (59 ) 231 1 377 Losses charged off —  (50 ) (9 ) (409 ) Recoveries —  2 2 5 Balance, end of period $ 278 $ 1,236 $ 59 $ 7,472 Loans: Ending balance $ 30,839 $ 98,894 $ 7,186 $ 654,189 Year Ended June 30, 2024 Real Estate Loans One- Multi-Family Commercial Home Equity Allowance for credit losses: Balance, beginning of period $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense (127 ) 643 (11 ) 27 Losses charged off —  —  —  —  Recoveries 3 —  —  —  Balance, end of period $ 1,774 $ 1,764 $ 2,358 $ 148 Loans: Ending balance $ 177,263 $ 126,031 $ 200,017 $ 9,859 Year Ended June 30, 2024 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense (428 ) 17 29 150 Losses charged off —  —  (49 ) (49 ) Recoveries —  242 14 259 Balance, end of period $ 337 $ 1,053 $ 65 $ 7,499 Loans: Ending balance $ 33,708 $ 91,784 $ 7,727 $ 646,389 Three Months Ended September 30, 2023 Real Estate Loans One- Multi-Family Commercial Home Equity Lines of Credit Allowance for credit losses: Balance, beginning of period $ 1,898 $ 1,121 $ 2,369 $ 121 Provision (credit) charged to expense 8 (6 ) (104 ) 13 Losses charged off —  —  —  —  Recoveries —  —  —  —  Balance, end of period $ 1,906 $ 1,115 $ 2,265 $ 134 Loans: Ending balance $ 170,154 $ 89,177 $ 193,582 $ 8,511 Three Months Ended September 30, 2023 (Continued) Construction Commercial Consumer Total Allowance for credit losses: Balance, beginning of period $ 765 $ 794 $ 71 $ 7,139 Provision (credit) charged to expense 400 (12 ) 11 310 Losses charged off —  —  (7 ) (7 ) Recoveries —  6 2 8 Balance, end of period $ 1,165 $ 788 $ 77 $ 7,450 Loans: Ending balance $ 72,810 $ 79,194 $ 8,343 $ 621,771
Credit Risk Profile of Association's Loan Portfolio Based on Risk Rating Category and Calendar Year of Origination	The following tables present the credit risk profile of the Company’s loan portfolio based on risk rating category and calendar year of origination as of both September 30, 2024 and June 30, 2024 (in thousands): September 30, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 17,952 $ 38,730 $ 49,615 $ 23,713 $ 15,223 $ 30,819 $ 176,052 Watch —  —  —  66 —  —  66 Substandard —  —  4 5 —  207 216 Total $ 17,952 $ 38,730 $ 49,619 $ 23,784 $ 15,223 $ 31,026 $ 176,334 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 1 $ 1 Multi-Family Pass $ 1,634 $ 8,623 $ 51,025 $ 20,238 $ 22,583 $ 21,572 $ 125,675 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  231 231 Total $ 1,634 $ 8,623 $ 51,025 $ 20,238 $ 22,583 $ 21,803 $ 125,906 Current period charge-offs $ —  $ (350 ) $ —  $ —  $ —  $ —  $ (350 ) Commercial Real Estate Pass $ 13,090 $ 32,704 $ 53,483 $ 27,342 $ 29,944 $ 47,334 $ 203,897 Watch —  —  —  —  —  —  —  Substandard —  —  —  142 812 252 1,206 Total $ 13,090 $ 32,704 $ 53,483 $ 27,484 $ 30,756 $ 47,586 $ 205,103 Home Equity Line of Credit Pass $ 2,575 $ 2,263 $ 1,497 $ 1,531 $ 717 $ 1,344 $ 9,927 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 2,575 $ 2,263 $ 1,497 $ 1,531 $ 717 $ 1,344 $ 9,927 Construction Pass $ 8,993 $ 18,377 $ 3,250 $ —  $ —  $ 219 $ 30,839 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 8,993 $ 18,377 $ 3,250 $ —  $ —  $ 219 $ 30,839 Commercial Business Pass $ 18,935 $ 42,386 $ 9,605 $ 9,586 $ 7,055 $ 9,873 $ 97,440 Watch —  —  —  —  —  —  —  Substandard —  133 41 190 1,034 56 1,454 Total $ 18,935 $ 42,519 $ 9,646 $ 9,776 $ 8,089 $ 9,929 $ 98,894 Current period charge-offs $ —  $ (50 ) $ —  $ —  $ —  $ —  $ (50 ) Current period recoveries $ —  $ —  $ —  $ —  $ 2 $ —  $ 2 Consumer Pass $ 2,287 $ 2,291 $ 1,569 $ 662 $ 301 $ 54 $ 7,164 Watch —  —  —  —  —  —  —  Substandard —  22 —  —  —  —  22 Total $ 2,287 $ 2,313 $ 1,569 $ 662 $ 301 $ 54 $ 7,186 Current period charge-offs $ (8 ) $ —  $ (1) $ —  $ —  $ —  $ (9 ) Current period recoveries $ 2 $ —  $ —  $ —  $ —  $ —  $ 2 Total Loans Pass $ 65,466 $ 145,374 $ 170,044 $ 83,072 $ 75,823 $ 111,215 $ 650,994 Watch —  —  —  66 —  —  66 Substandard —  155 45 337 1,846 746 3,129 Total $ 65,466 $ 145,529 $ 170,089 $ 83,475 $ 77,669 $ 111,961 $ 654,189 June 30, 2024 Risk Rating 2024 2023 2022 2021 2020 Prior Years Total One- Pass $ 14,790 $ 39,202 $ 51,262 $ 24,362 $ 15,455 $ 31,926 $ 176,997 Watch —  —  —  72 —  —  72 Substandard —  14 5 5 —  170 194 Total $ 14,790 $ 39,216 $ 51,267 $ 24,439 $ 15,455 $ 32,096 $ 177,263 Current period recoveries $ —  $ —  $ —  $ —  $ —  $ 3 $ 3 Multi-Family Pass $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 21,867 $ 125,797 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  234 234 Total $ 573 $ 9,004 $ 51,279 $ 20,346 $ 22,728 $ 22,101 $ 126,031 Commercial Real Estate Pass $ 4,602 $ 29,665 $ 57,530 $ 27,622 $ 30,489 $ 48,886 $ 198,794 Watch —  —  —  —  —  —  —  Substandard —  —  —  150 821 252 1,223 Total $ 4,602 $ 29,665 $ 57,530 $ 27,772 $ 31,310 $ 49,138 $ 200,017 Home Equity Line of Credit Pass $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,629 $ 2,361 $ 1,874 $ 1,806 $ 795 $ 1,394 $ 9,859 Construction Pass $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 9,123 $ 21,043 $ 3,250 $ —  $ —  $ 292 $ 33,708 Commercial Business Pass $ 10,357 $ 38,853 $ 10,158 $ 9,898 $ 8,201 $ 12,803 $ 90,270 Watch —  —  —  —  —  —  —  Substandard —  133 47 190 1,088 56 1,514 Total $ 10,357 $ 38,986 $ 10,205 $ 10,088 $ 9,289 $ 12,859 $ 91,784 Current period recoveries $ —  $ —  $ —  $ —  $ 242 $ —  $ 242 Consumer Pass $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Watch —  —  —  —  —  —  —  Substandard —  —  —  —  —  —  —  Total $ 1,956 $ 2,635 $ 1,830 $ 843 $ 394 $ 69 $ 7,727 Current period charge-offs $ (48 ) $ —  $ —  $ (1 ) $ —  $ —  $ (49 ) Current period recoveries $ 14 $ —  $ —  $ —  $ —  $ —  $ 14 Total Loans Pass $ 43,030 $ 142,763 $ 177,183 $ 84,877 $ 78,062 $ 117,237 $ 643,152 Watch —  —  —  72 —  —  72 Substandard —  147 52 345 1,909 712 3,165 Total $ 43,030 $ 142,910 $ 177,235 $ 85,294 $ 79,971 $ 117,949 $ 646,389
Association's Loan Portfolio Aging Analysis	The following tables present the Company’s loan portfolio aging analysis: 30-59 Days 60-89 Days Past Due Greater Total Past Due Current Total Loans Total Loans September 30, 2024: Real estate loans: One- $ 440 $ 609 $ 38 $ 1,087 $ 175,247 $ 176,334 $ 38 Multi-family —  144 —  144 125,762 125,906 —  Commercial —  —  —  —  205,103 205,103 —  Home equity lines of credit 4 —  —  4 9,923 9,927 —  Construction —  —  —  —  30,839 30,839 —  Commercial —  21 —  21 98,873 98,894 —  Consumer 105 1 21 127 7,059 7,186 —  Total $ 549 $ 775 $ 59 $ 1,383 $ 652,806 $ 654,189 $ 38 30-59 Days 60-89 Days Past Due Greater Total Past Due Current Total Loans Total Loans > 90 Days & June 30, 2024: Real estate loans: One- $ 1,009 $ 192 $ —  $ 1,201 $ 176,062 $ 177,263 $ —  Multi-family 141 —  —  141 125,890 126,031 —  Commercial —  —  150 150 199,867 200,017 —  Home equity lines of credit 17 25 —  42 9,817 9,859 —  Construction 237 —  —  237 33,471 33,708 —  Commercial 21 20 —  41 91,743 91,784 —  Consumer 27 1 23 51 7,676 7,727 23 Total $ 1,452 $ 238 $ 173 $ 1,863 $ 644,526 $ 646,389 $ 23
Nonaccrual with no Allowance for Credit Losses and Nonaccrual Loans	The following table presents the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated for which no allowance was recorded at September 30, 2024 and June 30, 2024: September 30, 2024 June 30, 2024 Nonaccrual with no Nonaccrual Nonaccrual with no Nonaccrual Mortgages on real estate: One- $ —  $ —  $ —  $ —  Multi-family —  —  —  —  Commercial —  142 —  150 Home equity lines of credit —  —  —  —  Construction loans —  —  —  —  Commercial business loans —  —  —  —  Consumer loans —  21 —  —  Total $ —  $ 163 $ —  $ 150
Loans Modified as Troubled Debt Restructurings	The following table shows the amortized cost of loans at September 30, 2024 and at June 30, 2024 that were modified and experiencing financial difficulty, segregated by portfolio segment and type of modification. The percentage of the amortized cost of loans that were modified to borrowers in financial distress as compared to outstanding loans is also presented below. September 30, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.12 % Home equity lines of credit —  —  Construction —  —  Commercial business 133 0.13 % Consumer —  —  Total $ 385 0.06 % June 30, 2024 Payment Delay Total Class of Real estate loans One- $ —  —  Multi-family —  —  Commercial 252 0.13 % Home equity lines of credit —  —  Construction —  —  Commercial business 133 0.15 % Consumer —  —  Total $ 385 0.06 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Sep. 30, 2024
Equity [Abstract]
Components of Accumulated Other Comprehensive Income (Loss)	The following tables present changes in accumulated other comprehensive income (loss), by component, net of tax, for the three months ended September 30, 2024 and 2023: Unrealized Available-for- Sale Securities Defined Total September 30, 2024: Beginning balance $ (20,768 ) $ 209 $ (20,559 ) Other comprehensive income before reclassification 4,703 —  4,703 Amounts reclassified from accumulated other comprehensive loss 51 —  51 Net current period other comprehensive loss —  (2 ) (2 ) Ending balance $ (16,014 ) $ 207 $ (15,807 ) September 30, 2023: Beginning balance $ (21,715 ) $ 67 $ (21,648 ) Other comprehensive loss before reclassification (5,121 ) —  (5,121 ) Net current period other comprehensive loss —  2 2 Ending balance $ (26,836 ) $ 69 $ (26,767 )

Changes in Accumulated Other _2

Changes in Accumulated Other Comprehensive Income (Loss) (AOCI) by Component (Tables)	3 Months Ended
	Sep. 30, 2024
Text Block [Abstract]
Amounts Reclassified from Accumulated Other Comprehensive Income	Amounts reclassified from AOCI and the affected line items in the statements of income during the quarters ended September 30, 2024 and 2023, were as follows: Amounts Reclassified from AOCI 2024 2023 Affected Line Item in the Condensed Consolidated Statements of Income Realized gains (losses) on available-for-sale $ (71 ) $ —  Net realized gains (losses) on sale of available-for-sale Amortization of defined benefit pension items: Actuarial losses $ (2 ) $ 2 Components are included in computation of net periodic pension cost Total reclassified amount before tax $ (73 ) $ 2 Tax expense (credit) $ (20 ) $ —  Provision (credit) for Income Tax Total reclassification out of AOCI $ (53 ) $ 2 Net Income

Income Taxes (Tables)

Income Taxes (Tables)	3 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Reconciliation of Income Tax Expense at the Statutory Rate	A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: Three Months Ended September 30, 2024 2023 Computed at the statutory rate $ 179 $ 135 Increase resulting from Tax exempt interest (8 ) (8 ) Cash surrender value of life insurance (24 ) (21 ) State income taxes 58 46 Other 13 23 Actual expense $ 218 $ 175

Disclosures About Fair Value _2

Disclosures About Fair Value of Assets (Tables)	3 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements of Assets Recognized on Recurring Basis	The following table presents the fair value measurements of assets recognized in the accompanying condensed consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2024 and June 30, 2024: Fair Value Measurements Using Fair Value Quoted (Level 1) Significant (Level 2) Significant (Level 3) September 30, 2024: Available-for-sale U.S. Government and federal agency and Government sponsored enterprises (GSE’s) $ 5,763 $ —  $ 5,763 $ —  Mortgage-backed: GSE residential 169,638 —  169,638 —  Small Business Administration 14,152 —  14,152 —  State and political subdivisions 3,098 —  1,041 2,057 Mortgage servicing rights 1,366 —  —  1,366 Fair Value Measurements Using Fair Value Quoted (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Available-for-sale U.S. Treasury $ 444 $ 444 $ —  $ —  U.S. Government and federal agency and Government sponsored enterprises (GSE’s) 6,609 —  6,609 —  Mortgage-backed: GSE residential 166,236 —  166,236 —  Small Business Administration 14,086 —  14,086 —  State and political subdivisions 3,100 —  1,043 2,057 Mortgage servicing rights 1,491 —  —  1,491
Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements Recognized in Accompanying Balance Sheet	The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheet using significant unobservable (Level 3) inputs: Three months ended September 30, 2024 Obligations of  Mortgage  Total Beginning balance $ 2,057 $ 1,491 $ 3,548 Transfers into Level 3 —  47 47 Transfers out of Level 3 —  (34 ) (34 ) Total realized and unrealized gains and losses included in net income —  (138 ) (138 ) Purchases —  —  —  Sales —  —  —  Settlements —  —  —  Ending balance $ 2,057 $ 1,366 $ 3,423 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ (138 ) $ (138 ) Year ended June 30, 2024 Obligations of  Mortgage  Total Beginning balance $ 2,361 $ 1,482 $ 3,843 Transfers into Level 3 —  151 151 Transfers out of Level 3 —  (143 ) (143 ) Total realized and unrealized gains and losses included in net income —  1 1 Purchases —  —  —  Sales —  —  —  Settlements (304 ) —  (304 ) Ending balance $ 2,057 $ 1,491 $ 3,548 Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date $ —  $ 1 $ 1
Quantitative Information about Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements	The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at September 30, 2024 and June 30, 2024. Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,366 Discounted cash flow Discount rate Constant prepayment rate Probability of default 10.0% (10.0%) 7.2% - 10.0% (7.7%) 0.08% - 0.12% (0.11%) State and political subdivision $ 2,057 Discounted cash flow Maturity/Call Date Weighted average coupon Marketability yield adjustment 1 month – 7 years 2.97% - 3.08% (3.04%) 1.0% - 2.0% (1.6%) Fair Value at Valuation Technique Unobservable Inputs Range (Weighted Average) Mortgage servicing rights $ 1,491 Discounted cash flow Discount rate Constant prepayment rate Probability of default 10.0% ( 6.2% - 8.0% (7.7%) 0.08% - 0.12% (0.11%) State and political subdivision 2,057 Discounted cash flow Maturity/Call Date Weighted average coupon Marketability yield adjustment 1 month – 7 years 2.97% - 3.08% (3.04%) 1.0% - 2.0% (1.6%)
Estimated Fair Values of Financial Instruments and Level within Fair Value Hierarchy in which Fair Value Measurements Fall	The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2024 and June 30, 2024. Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) September 30, 2024: Financial assets Cash and cash equivalents $ 7,784 $ 7,784 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 647,064 —  —  619,357 Federal Home Loan Bank stock 4,758 —  4,758 —  Accrued interest receivable 3,823 —  3,823 —  Financial liabilities Deposits 677,159 —  363,156 314,167 Repurchase agreements 17,913 —  17,913 —  Federal Home Loan Bank advances 83,499 —  83,119 —  Other borrowings 25,175 25,183 Advances from borrowers for taxes and insurance 510 —  510 —  Accrued interest payable 2,756 —  2,756 —  Unrecognized financial instruments (net of contract amount) —  —  —  —  Commitments to originate loans —  —  —  —  Carrying Fair Value Quoted Prices in (Level 1) Significant (Level 2) Significant (Level 3) June 30, 2024: Financial assets Cash and cash equivalents $ 9,571 $ 9,571 $ —  $ —  Interest-bearing time deposits in banks 250 250 —  —  Loans, net of allowance for credit losses 639,297 —  —  607,076 Federal Home Loan Bank stock 4,499 —  4,499 —  Accrued interest receivable 3,457 —  3,457 —  Financial liabilities Deposits 727,177 —  407,544 318,612 Repurchase agreements 17,772 —  17,772 —  Federal Home Loan Bank advances 32,999 —  32,560 —  Other Borrowings 25,250 —  25,199 —  Advances from borrowers for taxes and insurance 968 —  968 —  Accrued interest payable 3,009 —  3,009 —  Unrecognized financial instruments (net of contract amount) Commitments to originate loans —  —  —  —  The methods utilized to measure the fair value of financial instruments at September 30, 2024, represent

Stock-based Compensation - Summ

Stock-based Compensation - Summary of ESOP Shares (Detail) - USD ($) $ in Thousands		Sep. 30, 2024	Jun. 30, 2024
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Allocated shares		189,941	170,696
Shares committed for release		4,811	19,245
Unearned shares		129,904	134,715
Total ESOP shares		324,656	324,656
Fair value of unearned ESOP shares	[1]	$ 2,620	$ 2,180
[1]Based on closing price of $20.17 and $16.18 per share on September 30, 2024, and June 30, 2024, respectively.

Stock-based Compensation - Su_2

Stock-based Compensation - Summary of ESOP Shares (Parenthetical) (Detail) - $ / shares	Sep. 30, 2024	Jun. 30, 2024
Employee Stock Ownership Plan Esop [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
ESOP, closing price per share	$ 20.17	$ 16.18

Stock-based Compensation - Su_3

Stock-based Compensation - Summary of Non-vested Restricted Stock Activity (Detail) - Restricted Stock [Member]	3 Months Ended
	Sep. 30, 2024 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Beginning balance, Shares | shares	40,800
Granted, Shares | shares
Forfeited, Shares | shares
Earned and issued, Shares | shares	10,200
Ending balance, Shares | shares	30,600
Beginning balance, Weighted-Average Grant-Date Fair Value | $ / shares	$ 19.1
Granted, Weighted-Average Grant-Date Fair Value | $ / shares
Forfeited, Weighted-Average Grant-Date Fair Value | $ / shares
Earned and issued, Weighted-Average Grant-Date Fair Value | $ / shares	19.1
Ending balance, Weighted-Average Grant-Date Fair Value | $ / shares	$ 19.1

Stock-based Compensation - Addi

Stock-based Compensation - Additional Information (Detail) - USD ($)		3 Months Ended		6 Months Ended
	Dec. 10, 2013	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2016	Jun. 30, 2024	Sep. 09, 2022	Dec. 10, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares paid under ESOP		324,656			324,656
Employee Stock Ownership Plan Esop [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Minimum hours of service required		1000 hours
Period of service to qualify for ESOP benefits		12 months
Minimum age of employee to attain the plan		21 years
Shares to be purchased for ESOP, from borrowed funds		384,900
Shares to be purchased for ESOP, percentage of common stock		8%
Repayment of loan on ESOP		20 years
Percentage vested in accrued benefits		100%
Vesting period		6 years
Employee Stock Ownership Plan Esop [Member] | Employee Severance [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares paid under ESOP		0	0
Employee Stock Ownership Plan Esop [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Prorated vesting period		2 years
Employee Stock Ownership Plan Esop [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Prorated vesting period		5 years
Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		673,575
Equity Incentive Plan [Member] | Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	7 years
Shares authorized	167,000	481,125
Restricted stock available for future grants		52,970
Stock options granted		0	0
Options vested during the period		0	0
Stock options outstanding		0	90,143		0
Equity Incentive Plan [Member] | Restricted Stock And Restricted Stock Units Rsu [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		192,450
Equity Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	10 years			8 years
Shares authorized	85,500					53,000	16,900
Restricted stock available for future grants		211,880
Weighted average recognition period for non-vested restricted stock awards		2 years 10 months 24 days
Unrecognized compensation expense for non-vested restricted stock awards		$ 568,000
Stock based compensation expense		49,000	$ 90,000
Tax benefit		$ 14,000	$ 26,000
2022 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		264,850
2022 Equity Incentive Plan [Member] | Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		52,970
Options vested during the period		0
2022 Equity Incentive Plan [Member] | Restricted Stock And Restricted Stock Units Rsu [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized		211,880

Earnings Per Common Share ("E_3

Earnings Per Common Share ("EPS") - Factors Used in Earnings Per Common Share Computation (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Net income	$ 633	$ 466
Basic weighted average shares outstanding	3,353,026	3,354,626
Less: Average unallocated ESOP shares	(132,309)	(151,554)
Basic average shares outstanding	3,220,717	3,203,072
Diluted effect of restricted stock awards and stock options	0	63,681
Diluted average shares outstanding	3,220,717	3,266,753
Basic earnings per common share	$ 0.2	$ 0.15
Diluted earnings per common share	$ 0.2	$ 0.14

Securities - Amortized Cost and

Securities - Amortized Cost and Approximate Fair Value of Securities, Together with Gross Unrealized Gains and Losses of Securities (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 215,050	$ 219,523
Gross Unrealized Gains	65	41
Gross Unrealized Losses	(22,464)	(29,089)
Fair Value	192,651	190,475
U.S. Treasury [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		497
Gross Unrealized Gains		0
Gross Unrealized Losses		(53)
Fair Value		444
U.S. Government and Federal Agency [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	5,983	6,979
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(220)	(370)
Fair Value	5,763	6,609
Mortgage-backed: GSE residential [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	190,071	192,556
Gross Unrealized Gains	62	41
Gross Unrealized Losses	(20,495)	(26,361)
Fair Value	169,638	166,236
Small Business Administration [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	15,898	16,387
Gross Unrealized Gains	3	0
Gross Unrealized Losses	(1,749)	(2,301)
Fair Value	14,152	14,086
State and political subdivisions [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,098	3,104
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	(4)
Fair Value	$ 3,098	$ 3,100

Securities - Additional Informa

Securities - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Debt Securities, Available-for-sale [Line Items]
Accrued interest receivable	$ 510
Mortgage-backed securities with a book value	215,050		$ 219,523
Fair Value	$ 192,651		190,475
Percentage of equity securities	10%
Repurchase agreements	$ 17,913		17,772
Gross gains from sales of available for sale securities	30	$ 0
Gross losses from sales of available for sale securities	101	0
Tax benefit to net realized gains (losses)	(20)	0
Investments in debt and marketable equity securities	$ 181,210		$ 185,652
Temporarily impaired debt securities percentage of investment securities portfolio	94%		97%
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest Receivable		Interest Receivable
Asset Pledged as Collateral with Right [Member]
Debt Securities, Available-for-sale [Line Items]
Carrying value of securities pledged as collateral	$ 87,969		$ 118,577
Tax benefit to net realized gains (losses)	20	$ 0
Maturity Overnight [Member]
Debt Securities, Available-for-sale [Line Items]
Repurchase agreements	17,900
Mortgage-backed securities – GSE residential [Member]
Debt Securities, Available-for-sale [Line Items]
Mortgage-backed securities with a book value	190,071		192,556
Fair Value	169,638		166,236
Investments in debt and marketable equity securities	162,563		163,470
Small Business Administration [Member]
Debt Securities, Available-for-sale [Line Items]
Mortgage-backed securities with a book value	15,898		16,387
Fair Value	14,152		14,086
Investments in debt and marketable equity securities	12,884		14,086
Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Investments in debt and marketable equity securities	$ 181,210		$ 185,652

Securities - Amortized Cost a_2

Securities - Amortized Cost and Fair Value of Available-for-Sale Securities by Contractual Maturity (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Debt Securities, Available-for-sale [Line Items]
Within one year, Amortized Cost	$ 5,040
One to five years, Amortized Cost	4,062
Five to ten years, Amortized Cost	6,409
After ten years, Amortized Cost	9,468
Amortized Cost	24,979
Amortized Cost	215,050	$ 219,523
Within one year, Fair Value	5,015
One to five years, Fair Value	3,818
Five to ten years, Fair Value	6,053
After ten years, Fair Value	8,127
Fair Value	23,013
Fair Value	192,651	190,475
Mortgage-backed securities – GSE residential [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	190,071	192,556
Fair Value	$ 169,638	$ 166,236

Securities - Association's Inve

Securities - Association's Investments Gross Unrealized Investment Losses and Fair Value of Association's Investments with Unrealized Losses (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Less than 12 Months, Fair Value	$ 0	$ 1,988
Less than 12 Months, Unrealized Losses	0	(5)
12 Months or More, Fair Value	181,210	183,664
12 Months or More, Unrealized Losses	(22,464)	(29,084)
Total, Fair Value	181,210	185,652
Total, Unrealized Losses	(22,464)	(29,089)
U.S. Treasury [Member]
Less than 12 Months, Fair Value		0
Less than 12 Months, Unrealized Losses		0
12 Months or More, Fair Value		444
12 Months or More, Unrealized Losses		(53)
Total, Fair Value		444
Total, Unrealized Losses		(53)
U.S. Government and Federal Agency [Member]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	5,763	6,609
12 Months or More, Unrealized Losses	(220)	(370)
Total, Fair Value	5,763	6,609
Total, Unrealized Losses	(220)	(370)
Mortgage-backed: GSE residential [Member]
Less than 12 Months, Fair Value	0	945
Less than 12 Months, Unrealized Losses	0	(1)
12 Months or More, Fair Value	162,563	162,525
12 Months or More, Unrealized Losses	(20,495)	(26,360)
Total, Fair Value	162,563	163,470
Total, Unrealized Losses	(20,495)	(26,361)
Small Business Administration [Member]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Fair Value	12,884	14,086
12 Months or More, Unrealized Losses	(1,749)	(2,301)
Total, Fair Value	12,884	14,086
Total, Unrealized Losses	(1,749)	(2,301)
State and political subdivisions [Member]
Less than 12 Months, Fair Value		1,043
Less than 12 Months, Unrealized Losses		(4)
12 Months or More, Fair Value		0
12 Months or More, Unrealized Losses		0
Total, Fair Value		1,043
Total, Unrealized Losses	$ 0	$ (4)

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Categories of Loans (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023	Jun. 30, 2023
Real estate loans
Total loans	$ 654,189	$ 646,389	$ 621,771
Unearned fees and discounts, net	(347)	(407)
Allowance for credit losses	7,472	7,499	7,450	$ 7,139
Loans, net	647,064	639,297
One- to four-family [Member]
Real estate loans
Total loans	176,334	177,263	170,154
Allowance for credit losses	1,628	1,774	1,906	1,898
Multi-family [Member]
Real estate loans
Total loans	125,906	126,031	89,177
Allowance for credit losses	1,762	1,764	1,115	1,121
Home equity lines of credit [Member]
Real estate loans
Total loans	9,927	9,859	8,511
Allowance for credit losses	147	148	134	121
Construction [Member]
Real estate loans
Total loans	30,839	33,708	72,810
Allowance for credit losses	278	337	1,165	765
Commercial [Member]
Real estate loans
Total loans	205,103	200,017	193,582
Allowance for credit losses	2,362	2,358	2,265	2,369
Commercial [Member]
Real estate loans
Total loans	98,894	91,784	79,194
Allowance for credit losses	1,236	1,053	788	794
Consumer [Member]
Real estate loans
Total loans	7,186	7,727	8,343
Allowance for credit losses	$ 59	$ 65	$ 77	$ 71

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Additional Information (Detail)	3 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($) SecurityLoan	Jun. 30, 2024 USD ($) SecurityLoan
Loans and Allowance for Credit Losses [Line Items]
Maximum term of fixed-rate one- to four-family residential mortgage loans	15 years
Number of default loans | SecurityLoan	0	0
Fair Value, Concentration of Risk, Collateral Policy [Member]
Loans and Allowance for Credit Losses [Line Items]
Commercial and multi-family real estate	$ 349,133,000	$ 346,499,000
Troubled Debt Restructurings [Member]
Loans and Allowance for Credit Losses [Line Items]
Minimum period for default	90 days
Residential Real Estate [Member]
Loans and Allowance for Credit Losses [Line Items]
Foreclosed residential real estate properties	$ 0	0
One- to four-family [Member]
Loans and Allowance for Credit Losses [Line Items]
Loans held for sale	$ 0	0
Maximum term of fixed-rate one- to four-family residential mortgage loans	15 years
Purchased Loans and Loan Participations [Member]
Loans and Allowance for Credit Losses [Line Items]
Approximate amount of purchase loans included in loans receivable	$ 237,000	253,000
Approximate amount of loans included on out-of-area participation	54,082,000	51,798,000
Amount within 100 miles of primary area	$ 37,297,000	$ 34,929,000

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Allowance for loan losses:
Balance, beginning of period	$ 7,499	$ 7,139	$ 7,139
Provision (credit) charged to expense	377	310	150
Losses charged off	(409)	(7)	(49)
Recoveries	5	8	259
Balance, end of period	7,472	7,450	7,499
Loans:
Ending balance	654,189	621,771	646,389
One- to Four-Family [Member]
Allowance for loan losses:
Balance, beginning of period	1,774	1,898	1,898
Provision (credit) charged to expense	(147)	8	(127)
Losses charged off	0	0	0
Recoveries	1	0	3
Balance, end of period	1,628	1,906	1,774
Loans:
Ending balance	176,334	170,154	177,263
Multi-Family [Member]
Allowance for loan losses:
Balance, beginning of period	1,764	1,121	1,121
Provision (credit) charged to expense	348	(6)	643
Losses charged off	(350)	0	0
Recoveries	0	0	0
Balance, end of period	1,762	1,115	1,764
Loans:
Ending balance	125,906	89,177	126,031
Home Equity Lines of Credit [Member]
Allowance for loan losses:
Balance, beginning of period	148	121	121
Provision (credit) charged to expense	(1)	13	27
Losses charged off	0	0	0
Recoveries	0	0	0
Balance, end of period	147	134	148
Loans:
Ending balance	9,927	8,511	9,859
Construction [Member]
Allowance for loan losses:
Balance, beginning of period	337	765	765
Provision (credit) charged to expense	(59)	400	(428)
Losses charged off	0	0	0
Recoveries	0	0	0
Balance, end of period	278	1,165	337
Loans:
Ending balance	30,839	72,810	33,708
Commercial [Member]
Allowance for loan losses:
Balance, beginning of period	2,358	2,369	2,369
Provision (credit) charged to expense	4	(104)	(11)
Losses charged off	0	0	0
Recoveries	0	0	0
Balance, end of period	2,362	2,265	2,358
Loans:
Ending balance	205,103	193,582	200,017
Commercial [Member]
Allowance for loan losses:
Balance, beginning of period	1,053	794	794
Provision (credit) charged to expense	231	(12)	17
Losses charged off	(50)	0	0
Recoveries	2	6	242
Balance, end of period	1,236	788	1,053
Loans:
Ending balance	98,894	79,194	91,784
Consumer [Member]
Allowance for loan losses:
Balance, beginning of period	65	71	71
Provision (credit) charged to expense	1	11	29
Losses charged off	(9)	(7)	(49)
Recoveries	2	2	14
Balance, end of period	59	77	65
Loans:
Ending balance	$ 7,186	$ 8,343	$ 7,727

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Credit Risk Profile of Association's Loan Portfolio Based on Risk Rating Category and Calendar Year of Origination (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024
Financing Receivable, Recorded Investment [Line Items]
2024	$ 65,466	$ 43,030
2023	145,529	142,910
2022	170,089	177,235
2021	83,475	85,294
2020	77,669	79,971
Prior Years	111,961	117,949
Total loans	654,189	646,389
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	65,466	43,030
2023	145,374	142,763
2022	170,044	177,183
2021	83,072	84,877
2020	75,823	78,062
Prior Years	111,215	117,237
Total loans	650,994	643,152
Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	66	72
Total loans	66	72
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	155	147
2022	45	52
2021	337	345
2020	1,846	1,909
Prior Years	746	712
Total loans	3,129	3,165
One- to Four-Family [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	17,952	14,790
2023	38,730	39,216
2022	49,619	51,267
2021	23,784	24,439
2020	15,223	15,455
Prior Years	31,026	32,096
Total loans	176,334	177,263
Current period recoveries Prior Years	1	3
Current period recoveries Total	1	3
One- to Four-Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	17,952	14,790
2023	38,730	39,202
2022	49,615	51,262
2021	23,713	24,362
2020	15,223	15,455
Prior Years	30,819	31,926
Total loans	176,052	176,997
One- to Four-Family [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	66	72
Total loans	66	72
One- to Four-Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023		14
2022	4	5
2021	5	5
Prior Years	207	170
Total loans	216	194
Multi-Family [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	1,634	573
2023	8,623	9,004
2022	51,025	51,279
2021	20,238	20,346
2020	22,583	22,728
Prior Years	21,803	22,101
Total loans	125,906	126,031
Current period charge-offs 2023	(350)
Current period charge-offs Total	(350)
Multi-Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	1,634	573
2023	8,623	9,004
2022	51,025	51,279
2021	20,238	20,346
2020	22,583	22,728
Prior Years	21,572	21,867
Total loans	125,675	125,797
Multi-Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Prior Years	231	234
Total loans	231	234
Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	2,575	1,629
2023	2,263	2,361
2022	1,497	1,874
2021	1,531	1,806
2020	717	795
Prior Years	1,344	1,394
Total loans	9,927	9,859
Home Equity Lines of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	2,575	1,629
2023	2,263	2,361
2022	1,497	1,874
2021	1,531	1,806
2020	717	795
Prior Years	1,344	1,394
Total loans	9,927	9,859
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	8,993	9,123
2023	18,377	21,043
2022	3,250	3,250
Prior Years	219	292
Total loans	30,839	33,708
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	8,993	9,123
2023	18,377	21,043
2022	3,250	3,250
Prior Years	219	292
Total loans	30,839	33,708
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	13,090	4,602
2023	32,704	29,665
2022	53,483	57,530
2021	27,484	27,772
2020	30,756	31,310
Prior Years	47,586	49,138
Total loans	205,103	200,017
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	13,090	4,602
2023	32,704	29,665
2022	53,483	57,530
2021	27,342	27,622
2020	29,944	30,489
Prior Years	47,334	48,886
Total loans	203,897	198,794
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	142	150
2020	812	821
Prior Years	252	252
Total loans	1,206	1,223
Commercial Business [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,935	10,357
2023	42,519	38,986
2022	9,646	10,205
2021	9,776	10,088
2020	8,089	9,289
Prior Years	9,929	12,859
Total loans	98,894	91,784
Current period charge-offs 2023	(50)
Current period charge-offs Total	(50)
Current period recoveries 2020	2	242
Current period recoveries Total	2	242
Commercial Business [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,935	10,357
2023	42,386	38,853
2022	9,605	10,158
2021	9,586	9,898
2020	7,055	8,201
Prior Years	9,873	12,803
Total loans	97,440	90,270
Commercial Business [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	133	133
2022	41	47
2021	190	190
2020	1,034	1,088
Prior Years	56	56
Total loans	1,454	1,514
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	2,287	1,956
2023	2,313	2,635
2022	1,569	1,830
2021	662	843
2020	301	394
Prior Years	54	69
Total loans	7,186	7,727
Current period charge-offs 2024	(8)	(48)
Current period charge-offs 2022	(1)
Current period charge-offs 2021		(1)
Current period charge-offs Total	(9)	(49)
Current period recoveries 2024	2	14
Current period recoveries Total	2	14
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	2,287	1,956
2023	2,291	2,635
2022	1,569	1,830
2021	662	843
2020	301	394
Prior Years	54	69
Total loans	7,164	$ 7,727
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	22
Total loans	$ 22

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Association's Loan Portfolio Aging Analysis (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	$ 1,383	$ 1,863
Current	652,806	644,526
Total loans	654,189	646,389	$ 621,771
Total Loans > 90 Days & Accruing	38	23
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		150
Current	205,103	199,867
Total loans	205,103	200,017	193,582
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	21	41
Current	98,873	91,743
Total loans	98,894	91,784	79,194
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	127	51
Current	7,059	7,676
Total loans	7,186	7,727	8,343
Total Loans > 90 Days & Accruing		23
One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	1,087	1,201
Current	175,247	176,062
Total loans	176,334	177,263	170,154
Total Loans > 90 Days & Accruing	38
Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	144	141
Current	125,762	125,890
Total loans	125,906	126,031	89,177
Home equity lines of credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	4	42
Current	9,923	9,817
Total loans	9,927	9,859	8,511
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		237
Current	30,839	33,471
Total loans	30,839	33,708	$ 72,810
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	549	1,452
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		21
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	105	27
Financing Receivables, 30 to 59 Days Past Due [Member] | One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	440	1,009
Financing Receivables, 30 to 59 Days Past Due [Member] | Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		141
Financing Receivables, 30 to 59 Days Past Due [Member] | Home equity lines of credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	4	17
Financing Receivables, 30 to 59 Days Past Due [Member] | Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		237
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	775	238
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	21	20
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	1	1
Financing Receivables, 60 to 89 Days Past Due [Member] | One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	609	192
Financing Receivables, 60 to 89 Days Past Due [Member] | Multi-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	144
Financing Receivables, 60 to 89 Days Past Due [Member] | Home equity lines of credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		25
Financing Receivables, Greater Than 90 Days [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	59	173
Financing Receivables, Greater Than 90 Days [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due		150
Financing Receivables, Greater Than 90 Days [Member] | Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	21	$ 23
Financing Receivables, Greater Than 90 Days [Member] | One- to four-family [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Past Due	$ 38

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Nonaccrual with no Allowance for Credit Losses and Nonaccrual Loans (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	$ 0	$ 0
Nonaccrual	163	150
One- to four-family [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Multi-family [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Home equity lines of credit [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Construction loans [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	0	0
Consumer loans [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	21	0
Commercial [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	142	150
Commercial business loans [Member]
Mortgages on real estate:
Nonaccrual with no Allowance for Credit Losses	0	0
Nonaccrual	$ 0	$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Summary Of Amortized Cost Of Loans Modified And Experiencing Financial Difficulty (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 385	$ 385
Total Class of Financing Receivable	0.06%	0.06%
One- to four-family [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Multi-family [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 252	$ 252
Total Class of Financing Receivable	0.12%	0.13%
Home equity lines of credit [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Construction [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%
Commercial business [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 133	$ 133
Total Class of Financing Receivable	0.13%	0.15%
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Payment Delay	$ 0	$ 0
Total Class of Financing Receivable	0%	0%

Federal Home Loan Bank Stock -

Federal Home Loan Bank Stock - Additional Information (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank stock	$ 4,758	$ 4,499

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances and Other Borrowings - Additional Information (Detail) - USD ($)	Sep. 30, 2024	Jun. 30, 2024
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances	$ 83,499,000	$ 32,999,000
Mortgage loans secured for Federal Home Loan Bank Advances	414,249,000	408,196,000
Other borrowings	25,175,000	25,250,000
Seven Advances Under The Banks Home Loan Bank Community Small Business Programmed [Member]
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances	$ 1,499,000
Federal Home Loan Bank advances interest rate range from	0%
Federal Reserve Bank Advances [Member] | Asset Pledged as Collateral [Member]
Federal Home Loan Bank, Advances [Line Items]
Debt Instrument, Face Amount	$ 25,178,000	25,272,000
Federal Reserve Bank Advances [Member] | Debt Instrument, Redemption, Period One [Member] | Asset Pledged as Collateral [Member]
Federal Home Loan Bank, Advances [Line Items]
Debt Instrument Maturity Date	Jan. 16, 2025
Debt Instrument, Interest Rate, Stated Percentage	4.76%
Other borrowings	$ 25,175,000	$ 25,250,000
Maximum [Member]
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances interest rate range from	5.29%	5.29%
Minimum [Member]
Federal Home Loan Bank, Advances [Line Items]
Federal Home Loan Bank advances interest rate range from	0%	0%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Components of Accumulated Other Comprehensive Income (Loss) (Detail) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Accumulated Other Comprehensive Income [Line Items]
Beginning balance	$ (20,559)	$ (21,648)
Other comprehensive income (loss) before reclassification	4,703	(5,121)
Amounts reclassified from accumulated other comprehensive income (loss)	51
Net current period other comprehensive income	(2)	2
Ending balance	(15,807)	(26,767)
Unrealized Gains and Losses on Available-for- Sale Securities [Member]
Accumulated Other Comprehensive Income [Line Items]
Beginning balance	(20,768)	(21,715)
Other comprehensive income (loss) before reclassification	4,703	(5,121)
Amounts reclassified from accumulated other comprehensive income (loss)	51
Net current period other comprehensive income	0	0
Ending balance	(16,014)	(26,836)
Defined Benefit Pension Items [Member]
Accumulated Other Comprehensive Income [Line Items]
Beginning balance	209	67
Other comprehensive income (loss) before reclassification	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	0
Net current period other comprehensive income	(2)	2
Ending balance	$ 207	$ 69

Changes in Accumulated Other _3

Changes in Accumulated Other Comprehensive Income (Loss) (AOCI) by Component - Amounts Reclassified from Accumulated Other Comprehensive Income (Detail) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Realized gains (losses) on available-for-sale securities	$ (71)	$ 0
Tax expense (credit)	218	175
Net Income	633	466
Amounts Reclassified from AOCI [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total reclassified amount before tax	(73)	2
Tax expense (credit)	(20)	0
Net Income	(53)	2
Accumulated Net Realized Investment Gains (Losses) [Member] | Amounts Reclassified from AOCI [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Realized gains (losses) on available-for-sale securities	(71)	0
Amortization of Defined Benefit Pension Items [Member] | Amounts Reclassified from AOCI [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Actuarial losses	$ (2)	$ 2

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Income Tax Expense at the Statutory Rate (Detail) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Income Taxes Paid, Net [Abstract]
Computed at the statutory rate	$ 179	$ 135
Increase resulting from
Tax exempt interest	(8)	(8)
Cash surrender value of life insurance	(24)	(21)
State income taxes	58	46
Other	13	23
Actual expense	$ 218	$ 175

Regulatory Capital - Additional

Regulatory Capital - Additional Information (Detail) $ in Billions	Sep. 30, 2024 USD ($)	Mar. 31, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum asset value required to be maintained leverage ratio	$ 10
Tier 1 capital ratio of risk-weighted assets	0.025
Maximum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio		0.09

Disclosures About Fair Value _3

Disclosures About Fair Value of Assets - Fair Value Measurements of Assets Recognized on Recurring Basis (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Available-for-sale securities:
Available-for-sale securities, Fair Value	$ 192,651	$ 190,475
Mortgage servicing rights	1,366	1,491
U.S. Treasury [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value		444
U.S. Government and federal agency and Government sponsored enterprises (GSE's) [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	5,763	6,609
Mortgage-backed: GSE residential [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	169,638	166,236
Small Business Administration [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	14,152	14,086
State and political subdivisions [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	3,098	3,100
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Treasury [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value		444
Significant Other Observable Inputs (Level 2) [Member]
Available-for-sale securities:
Mortgage servicing rights	0	0
Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value		0
Significant Other Observable Inputs (Level 2) [Member] | U.S. Government and federal agency and Government sponsored enterprises (GSE's) [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	5,763	6,609
Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed: GSE residential [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	169,638	166,236
Significant Other Observable Inputs (Level 2) [Member] | Small Business Administration [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	14,152	14,086
Significant Other Observable Inputs (Level 2) [Member] | State and political subdivisions [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	1,041	1,043
Significant Unobservable Inputs (Level 3) [Member]
Available-for-sale securities:
Mortgage servicing rights	1,366	1,491
Significant Unobservable Inputs (Level 3) [Member] | State and political subdivisions [Member]
Available-for-sale securities:
Available-for-sale securities, Fair Value	$ 2,057	$ 2,057

Disclosures About Fair Value _4

Disclosures About Fair Value of Assets - Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements Recognized in Accompanying Balance Sheet (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	$ 3,548	$ 3,843
Transfers into Level 3	47	151
Transfers out of Level 3	(34)	(143)
Total realized and unrealized gains and losses included in net income	(138)	1
Settlements		(304)
Ending Balance	3,423	3,548
Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date	(138)	1
Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	2,057	2,361
Settlements		(304)
Ending Balance	2,057	2,057
Mortgage Servicing Rights [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	1,491	1,482
Transfers into Level 3	47	151
Transfers out of Level 3	(34)	(143)
Total realized and unrealized gains and losses included in net income	(138)	1
Ending Balance	1,366	1,491
Total gains or losses for the period included in net income attributable to the change in unrealized gains or losses related to assets and liabilities still held at the reporting date	$ (138)	$ 1

Disclosures About Fair Value _5

Disclosures About Fair Value of Assets - Quantitative Information about Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements (Detail) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($) yr mo	Jun. 30, 2024 USD ($) mo yr
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights	$ 1,366	$ 1,491
State and political subdivisions	$ 2,057	$ 2,057
Discount Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	10	10
Minimum [Member] | Constant Prepayment Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	7.2	6.2
Minimum [Member] | Probability of Default [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	0.08	0.08
Minimum [Member] | Maturity/Call Date [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input | mo	1	1
Minimum [Member] | Weighted average coupon [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	2.97	2.97
Minimum [Member] | Marketability yield adjustment [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	1	1
Maximum [Member] | Constant Prepayment Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	10	8
Maximum [Member] | Probability of Default [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	0.12	0.12
Maximum [Member] | Maturity/Call Date [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input | yr	7	7
Maximum [Member] | Weighted average coupon [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	3.08	3.08
Maximum [Member] | Marketability yield adjustment [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	2	2
Weighted Average [Member] | Constant Prepayment Rate [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	7.7	7.7
Weighted Average [Member] | Probability of Default [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	0.11	0.11
Weighted Average [Member] | Weighted average coupon [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	3.04	3.04
Weighted Average [Member] | Marketability yield adjustment [Member] | Discounted Cash Flow [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage servicing rights, measurement input	1.6	1.6

Disclosures About Fair Value _6

Disclosures About Fair Value of Assets - Estimated Fair Values of Financial Instruments and Level within Fair Value Hierarchy in which Fair Value Measurements Fall (Detail) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024
Financial assets
Cash and cash equivalents	$ 7,784	$ 9,571
Interest-bearing time deposits in banks	250	250
Loans, net of allowance for credit losses	647,064	639,297
Federal Home Loan Bank stock	4,758	4,499
Accrued interest receivable	3,823	3,457
Financial liabilities
Deposits	677,159	727,177
Repurchase agreements	17,913	17,772
Federal Home Loan Bank advances	83,499	32,999
Other borrowings	25,175	25,250
Advances from borrowers for taxes and insurance	510	968
Accrued interest payable	2,756	3,009
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets
Cash and cash equivalents	7,784	9,571
Interest-bearing time deposits in banks	250	250
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	0	0
Significant Other Observable Inputs (Level 2) [Member]
Financial assets
Federal Home Loan Bank stock	4,758	4,499
Accrued interest receivable	3,823	3,457
Financial liabilities
Deposits	363,156	407,544
Repurchase agreements	17,913	17,772
Federal Home Loan Bank advances	83,119	32,560
Other borrowings	25,183	25,199
Advances from borrowers for taxes and insurance	510	968
Accrued interest payable	2,756	3,009
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	0	0
Significant Unobservable Inputs (Level 3) [Member]
Financial assets
Loans, net of allowance for credit losses	619,357	607,076
Financial liabilities
Deposits	314,167	318,612
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans	$ 0	$ 0

Commitments - Additional Inform

Commitments - Additional Information (Detail) - USD ($)	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024
Commitments And Contingencies Disclosure [Line Items]
Off-Balance-Sheet, Credit loss, Liability	$ 103,000		$ 98,000
Off-Balance-Sheet, Credit Loss,Credit Loss Expense	$ 5,000	$ (88,000)