$6.99M
Net Interest Income
$181.00K
Net Income
118.2%
Efficiency Ratio
1.88%
Net Int. Margin
0.4%
ROE
| Breakdown | TTM (Sep 30, 2025) |
FY 2025 (Jun 30, 2025) |
FY 2024 (Jun 30, 2024) |
FY 2023 (Jun 30, 2023) |
FY 2022 (Jun 30, 2022) |
FY 2021 (Jun 30, 2021) |
FY 2019 (Jun 30, 2019) |
FY 2018 (Jun 30, 2018) |
FY 2017 (Jun 30, 2017) |
FY 2016 (Jun 30, 2016) |
FY 2015 (Jun 30, 2015) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | - | $19.24M | $16.28M | $12.76M | $10.91M | $12.15M | $12.70M | $11.89M | $11.32M | $11.63M | $12.39M |
| Interest Expense | - | $10.90M | $9.28M | $3.90M | $1.75M | $2.14M | $3.25M | $2.16M | $1.46M | $1.36M | $1.43M |
| Net Interest Income | - | $8.34M | $6.99M | $8.86M | - | - | $9.45M | $9.72M | $9.86M | $10.27M | $10.96M |
| Provision for Credit Losses | - | $39.00K | $24.00K | $113.00K | $-60.00K | $192.00K | $11.00K | $185.00K | $242.00K | $15.00K | $343.00K |
| Net Interest Income After Provision | - | $8.30M | $6.97M | $8.74M | $9.22M | $9.82M | $9.44M | $9.54M | $9.62M | $10.26M | $10.62M |
| Non-Interest Income | - | $500.00K | $251.00K | $302.00K | $515.00K | $595.00K | $243.00K | $691.00K | $362.00K | $387.00K | $514.00K |
| Other Non-Interest Income | - | $213.00K | $153.00K | $206.00K | - | - | $187.00K | $199.00K | $285.00K | $274.00K | $273.00K |
| Non-Interest Expense | - | $8.56M | $9.18M | $7.82M | $7.67M | $8.24M | $8.73M | $8.95M | $8.53M | $8.55M | $8.04M |
| Compensation & Benefits | - | $4.85M | $4.99M | $4.92M | $4.85M | $5.44M | $5.80M | $5.70M | $5.34M | $5.32M | $4.86M |
| Occupancy Expense | - | $550.00K | $592.00K | $610.00K | - | - | - | - | - | - | - |
| Technology & Equipment | - | $136.00K | $122.00K | $518.00K | $545.00K | $647.00K | $442.00K | $439.00K | $396.00K | $397.00K | $429.00K |
| Professional Fees | - | $354.00K | $344.00K | $213.00K | $216.00K | $158.00K | $40.00K | $273.00K | $305.00K | $276.00K | $252.00K |
| Other Non-Interest Expense | - | $737.00K | $551.00K | $608.00K | - | - | $796.00K | $844.00K | $1.16M | $1.11M | $929.00K |
| Income Before Tax | - | $238.00K | $-1.96M | $1.23M | $2.07M | $2.17M | $953.00K | $1.29M | $1.45M | $2.10M | $3.09M |
| Income Tax Expense | - | $57.00K | $-239.00K | $294.00K | $477.00K | $352.00K | $141.00K | $-37.00K | $513.00K | $596.00K | $1.02M |
| Net Income | - | $181.00K | $-1.72M | $933.00K | $1.59M | $1.82M | $812.00K | $1.32M | $935.00K | $1.50M | $2.07M |
| Basic EPS | - | 0.02 | -0.21 | 0.11 | 0.19 | 0.22 | nan | nan | nan | nan | nan |
| Diluted EPS | - | 0.02 | -0.21 | 0.11 | 0.19 | 0.22 | nan | nan | nan | nan | nan |
| Breakdown | FY 2025 (Jun 30, 2025) |
FY 2024 (Jun 30, 2024) |
FY 2023 (Jun 30, 2023) |
FY 2022 (Jun 30, 2022) |
FY 2021 (Jun 30, 2021) |
FY 2019 (Jun 30, 2019) |
FY 2018 (Jun 30, 2018) |
FY 2017 (Jun 30, 2017) |
FY 2016 (Jun 30, 2016) |
FY 2015 (Jun 30, 2015) |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $2.34M | $1.91M | $2.28M | $2.00M | $1.83M | $1.87M | $2.34M | $4.04M | $4.30M | $3.86M |
| Interest-Bearing Deposits | $8.56M | $15.67M | $5.22M | - | - | - | - | - | - | - |
| Investment Securities - AFS | $9.76M | $9.65M | $12.08M | $10.48M | $33.00K | - | - | - | - | - |
| Investment Securities - HTM | - | - | $274.00K | $339.00K | $462.00K | $775.00K | $1.00M | $1.49M | $4.08M | $6.42M |
| Loans & Leases (Net) | - | - | $313.81M | $274.58M | $297.90M | $280.97M | $270.31M | $258.24M | $238.47M | $243.81M |
| Goodwill & Intangibles | - | - | $947.00K | $947.00K | $947.00K | $14.51M | $14.51M | $14.51M | $14.51M | $14.51M |
| Premises & Equipment | $4.21M | $4.27M | $4.43M | $4.56M | $4.70M | $5.03M | $5.65M | $5.81M | $6.02M | $5.24M |
| Total Assets | $371.21M | $374.97M | $349.02M | $328.08M | $338.06M | $330.77M | $318.39M | $308.49M | $291.87M | $296.30M |
| Total Deposits | $277.56M | $256.14M | $226.31M | $239.86M | $226.84M | $195.84M | $195.65M | $182.84M | $188.57M | $199.70M |
| Other Liabilities | $608.00K | $646.00K | $539.00K | $465.00K | $579.00K | $462.00K | $701.00K | $578.00K | $573.00K | $661.00K |
| Total Liabilities | $322.84M | $326.97M | $298.31M | $276.06M | $285.77M | $264.49M | $251.19M | $241.34M | $224.36M | $228.99M |
| Common Stock | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K |
| Retained Earnings | $17.51M | $17.32M | $20.13M | $20.56M | $20.36M | $33.87M | $34.05M | $34.18M | $34.73M | $34.71M |
| Treasury Stock | $3.97M | $3.97M | $3.97M | $3.51M | $2.97M | $2.26M | $1.35M | $1.35M | $937.00K | $937.00K |
| AOCI | $-145.00K | $-336.00K | $-427.00K | - | - | $4.00K | - | $1.00K | $31.00K | $38.00K |
| Total Stockholders Equity | $48.37M | $48.00M | $50.71M | $52.02M | $52.30M | $66.28M | $67.20M | $67.15M | $67.52M | $67.31M |
| Total Liabilities & Equity | $371.21M | $374.97M | $349.02M | $328.08M | $338.06M | $330.77M | $318.39M | $308.49M | $291.87M | $296.30M |
| Breakdown | TTM (Sep 30, 2025) |
FY 2025 (Jun 30, 2025) |
FY 2024 (Jun 30, 2024) |
FY 2023 (Jun 30, 2023) |
FY 2022 (Jun 30, 2022) |
FY 2021 (Jun 30, 2021) |
FY 2019 (Jun 30, 2019) |
FY 2018 (Jun 30, 2018) |
FY 2017 (Jun 30, 2017) |
FY 2016 (Jun 30, 2016) |
FY 2015 (Jun 30, 2015) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | - | $181.00K | $-1.72M | $933.00K | $1.59M | $1.82M | $812.00K | $1.32M | $935.00K | $1.50M | $2.07M |
| Deferred Taxes | - | $-150.00K | $-289.00K | $-234.00K | - | - | - | - | - | - | - |
| Net Change in Loans HFS | - | $7.59M | $892.00K | $157.00K | $4.79M | $9.96M | $821.00K | $929.00K | $746.00K | $1.23M | $699.00K |
| Operating Cash Flow | - | $-86.00K | $-1.45M | $1.15M | $2.64M | $1.58M | $1.00M | $1.15M | $2.10M | - | - |
| Purchases of Securities | - | $2.99M | - | $4.97M | $10.45M | - | $994.00K | - | - | - | - |
| Maturities of Securities | - | $3.15M | $2.58M | $2.84M | $4.00K | $506.00K | $4.00K | $22.00K | $10.00K | $14.00K | $40.00K |
| Net Change in Loans | - | $-5.81M | $19.64M | $39.34M | $-23.51M | $12.22M | $10.81M | $13.00M | $20.79M | $-5.74M | $-1.39M |
| Capital Expenditures | - | $149.00K | $66.00K | $127.00K | - | $101.00K | $148.00K | $151.00K | $124.00K | $1.11M | $884.00K |
| Investing Cash Flow | - | $6.12M | $-16.60M | $-39.48M | $13.33M | $-8.85M | $-12.58M | $-12.58M | $-17.87M | - | - |
| Net Change in Deposits | - | $21.42M | $29.83M | $-13.55M | $13.01M | $14.57M | $183.00K | $12.81M | $-5.69M | $-11.04M | $-13.23M |
| Common Stock Repurchased | - | - | - | $461.00K | - | - | - | - | - | - | $698.00K |
| Dividends Paid | - | - | $670.00K | $1.36M | $1.39M | $1.39M | $1.44M | $1.45M | $1.49M | $1.48M | $1.39M |
| Financing Cash Flow | - | $-4.84M | $28.18M | $20.68M | $-11.80M | $15.21M | $11.49M | $8.57M | $15.47M | - | - |
SEC Filing Format - Data shown as it appears in the Q1 2026 (10-Q) filing
Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2025 | |
|---|---|---|
| Current | Prior Year | |
| Interest Expense | $2.55M | $2.75M |
| Income Before Tax | $453.00K | $-21.00K |
| Income Tax Expense | $109.00K | $-6.00K |
| Net Income | $344.00K | $-15.00K |
| Basic EPS | 0.04 | 0.00 |
| Diluted EPS | 0.04 | 0.00 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|
| Cash & Cash Equivalents | $14.62M | $19.48M |
| Accounts Receivable | $326.45M | $327.25M |
| Property Plant & Equipment | $4.17M | $4.21M |
| Total Assets | $366.49M | $371.21M |
| Deferred Tax Liabilities | $61.00K | $30.00K |
| Total Liabilities | $317.71M | $322.84M |
| Common Stock | $86.00K | $86.00K |
| Retained Earnings | $17.85M | $17.51M |
| Treasury Stock | $3.97M | $3.97M |
| Total Stockholders Equity | $48.78M | $48.37M |
| Total Liabilities & Equity | $366.49M | $371.21M |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | |
|---|---|---|
| Current | Prior Year | |
| Net Income | $344.00K | $-15.00K |
| Deferred Income Tax | $8.00K | $-27.00K |
| Operating Cash Flow | $450.00K | $-1.41M |
| Capital Expenditure | $5.00K | $2.00K |
| Purchases of Investments | $2.40M | - |
| Sales of Investments | $535.00K | $559.00K |
| Investing Cash Flow | $-502.00K | $213.00K |
| Financing Cash Flow | $-4.80M | $176.00K |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.