CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($)	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net income	$ 6,308,000	$ 3,419,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	629,000	671,000
Provision for credit losses	(870,000)	750,000
Net accretion on securities	(582,000)	(370,000)
ESOP compensation	138,000	117,000
Loss on bank-owned life insurance	37,000	56,000
Net gain on sale or write-down of other real estate owned	(35,000)
Proceeds from sale of loans	2,823,000
Net gain on sale of loans	(29,000)
Loss on sale, disposal or write-down of premise and equipment, net	3,000
Net gain on equity securities		(80,000)
Net gain on securities available for sale transactions	(165,000)
Stock-based compensation expense	343,000
Deferred tax expense	834,000	37,000
(Increase) decrease in accrued interest receivable	(108,000)	70,000
Increase in other assets	(1,062,000)	(156,000)
(Decrease) increase in other liabilities	(6,356,000)	7,920,000
Changes in operating leases	3,000	8,000
Net cash provided by operating activities	1,911,000	12,442,000
Cash flows from investing activities:
Proceeds from maturities, paydowns and calls of securities available for sale	34,745,000	45,077,000
Proceeds from sales of securities available for sale	350,000	0
Purchases of securities available for sale	(37,174,000)	(23,924,000)
Proceeds from maturities and paydowns of securities held to maturity	2,343,000	1,617,000
Purchases of securities held to maturity	(1,796,000)	(1,576,000)
Net purchases of FHLBNY and FRBNY stock	(100,000)	(38,000)
Net increase in loans receivable	(57,753,000)	(57,774,000)
Purchases of premises and equipment	(120,000)	(373,000)
Proceeds from sale of other real estate owned	188,000
Cash paid for acquisitions		(1,980,000)
Net cash used in investing activities	(59,317,000)	(38,971,000)
Cash flows from financing activities:
Net increase in deposits	125,028,000	96,984,000
Net decreases in mortgagors' escrow deposits	(5,847,000)	(4,364,000)
Payments on acquisition contingent consideration	(750,000)
Repurchase of common stock	(1,215,000)
Repayment of finance lease liability	(26,000)	(25,000)
Net cash provided by financing activities	117,190,000	92,595,000
Net increase in cash and cash equivalents	59,784,000	66,066,000
Cash and cash equivalents at beginning of period	165,190,000	150,478,000
Cash and cash equivalents at end of period	224,974,000	216,544,000
Cash paid during the period for:
Interest	6,503,000	4,280,000
Income taxes	$ 1,000,000	1,000,000
Non-cash investing and financing activity:
Acquisition contingent consideration payable		$ 1,499,000