Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2023	Jun. 30, 2022
Assets
Cash and due from banks	$ 1,518	$ 1,609
Short-term investments	3,824	30,058
Total cash and cash equivalents	5,342	31,667
Securities available for sale, at fair value	158	199
Securities held to maturity, at amortized cost, fair value of $132,624 at December 31, 2022 and $133,593 at June 30, 2022	150,981	145,239
Federal Home Loan Bank stock, at cost	241	191
Loans, net of allowance for loan losses of $1,747 at December 31, 2022 and $1,747 at June 30, 2022	176,943	172,593
Premises and equipment, net	3,411	3,334
Accrued interest receivable	1,356	1,265
Bank-owned life insurance	10,335	10,144
Deferred tax asset	1,003	1,079
Operating lease right of use asset	976	0
Other Assets	930	472
Total Assets	351,676	366,183
Deposits
Non-interest bearing	30,054	31,168
Interest bearing	239,952	255,907
Total deposits	270,006	287,075
Mortgagors' escrow accounts	1,566	1,555
Operating lease liability	983	0
Accrued expenses and other liabilities	3,447	3,303
Total liabilities	276,002	291,933
Stockholders' Equity
Preferred Stock, $.01 par value, 10,000,000 shares authorized as of December 31, 2022 and June 30, 2022, none issued and outstanding as of December 31, 2022 and June 30, 2022	0	0
Common Stock, $.01 par value, 90,000,000 shares authorized as of December 31, 2022 and June 30, 2022, 6,521,642 issued and outstanding as of December 31, 2022 and June 30, 2022	65	65
Additional Paid in Capital	27,729	27,720
Retained earnings	50,311	48,970
Accumulated other comprehensive income	(2)	0
Unearned compensation - ESOP	(2,429)	(2,505)
Total stockholders' equity	75,674	74,250
Total liabilities and stockholders' equity	$ 351,676	$ 366,183