Document And Entity Information - USD ($)	12 Months Ended
Document And Entity Information - USD ($)	Jun. 30, 2019	Sep. 06, 2019	Dec. 31, 2018
Document Information [Line Items]
Entity Registrant Name	CONSUMERS BANCORP INC /OH/
Entity Central Index Key	0001006830
Trading Symbol	cbkm
Current Fiscal Year End Date	--06-30
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Common Stock, Shares Outstanding (in shares)		2,733,845
Entity Public Float			$ 46,638,402
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Jun. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(g) Security	Common Stock

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
ASSETS:
Cash on hand and noninterest-bearing deposits in financial institutions	$ 9,322	$ 7,615
Federal funds sold and interest-bearing deposits in financial institutions	139	157
Total cash and cash equivalents	9,461	7,772
Certificate of deposits in financial institutions	1,983	2,973
Securities, available-for-sale	144,010	144,028
Securities, held-to-maturity (fair value 2019 $3,821 and 2018 $4,048)	3,786	4,024
Federal bank and other restricted stocks, at cost	1,723	1,459
Loans held for sale	1,657	1,448
Total loans	369,175	318,509
Less allowance for loan losses	(3,788)	(3,422)
Net loans	365,387	315,087
Cash surrender value of life insurance	9,606	9,335
Premises and equipment, net	14,155	13,315
Accrued interest receivable and other assets	2,168	3,178
Total assets	553,936	502,619
LIABILITIES:
Noninterest-bearing demand	116,239	107,919
Interest bearing demand	81,469	81,299
Savings	162,261	162,204
Time	112,205	78,541
Total deposits	472,174	429,963
Short-term borrowings	3,686	13,367
Federal Home Loan Bank advances	22,700	11,756
Accrued interest payable and other liabilities	4,210	3,772
Total liabilities	502,770	458,858
Commitments and contingent liabilities (Note 13)
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value; 350,000 shares authorized	0	0
Common shares, no par value; 3,500,000 shares authorized; 2,854,133 shares issued as of June 30, 2019 and 2018	14,656	14,630
Retained earnings	36,487	32,342
Treasury stock, at cost (120,288 and 124,489 common shares at June 30, 2019 and 2018, respectively)	(1,543)	(1,576)
Accumulated other comprehensive income (loss)	1,566	(1,635)
Total shareholders’ equity	51,166	43,761
Total liabilities and shareholders’ equity	$ 553,936	$ 502,619

Consolidated Balance Sheets (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Held-to-maturity securities, fair value	$ 3,821	$ 4,048
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	350,000	350,000
Preferred stock, shares outstanding (in shares)	0	0
Common shares, par value (in dollars per share)	$ 0	$ 0
Common shares, shares authorized (in shares)	3,500,000	3,500,000
Common shares, shares issued (in shares)	2,854,133	2,854,133
Treasury stock, shares (in shares)	120,288	124,489

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Interest income:
Loans, including fees	$ 16,590	$ 13,937
Securities, taxable	2,192	1,916
Securities, tax-exempt	1,584	1,472
Federal bank and other restricted stocks	86	81
Federal funds sold and interest-bearing deposits	93	151
Total interest and dividend income	20,545	17,557
Interest expense:
Deposits	2,786	1,210
Short-term borrowings	51	240
Federal Home Loan Bank advances	319	221
Total interest expense	3,156	1,671
Net interest income	17,389	15,886
Provision for loan losses	(440)	310
Net interest income after provision for loan losses	17,829	15,576
Other income:
Noninterest income (in scope of Topic 606)	2,978	2,721
Bank owned life insurance income	271	270
Gain on sale of mortgage loans	458	367
Securities gains, net	561	33
Other	260	188
Total other income	4,268	3,391
Other expenses:
Salaries and employee benefits	8,355	7,692
Occupancy and equipment	2,096	1,867
Data processing expenses	621	601
Professional and director fees	799	523
Federal Deposit Insurance Corporation assessments	149	168
Franchise taxes	361	343
Marketing and advertising	424	308
Loan and collection expenses	101	117
Telephone and communications	268	307
Debit card processing expenses	765	754
Other	1,579	1,557
Total other expenses	15,518	14,237
Income before income taxes	6,579	4,730
Income tax expense	1,013	1,149
Net income	$ 5,566	$ 3,581
Basic and diluted earnings per share (in dollars per share)	$ 2.04	$ 1.31
Deposit Account [Member]
Other income:
Noninterest income (in scope of Topic 606)	$ 1,264	$ 1,200
Debit Card [Member]
Other income:
Noninterest income (in scope of Topic 606)	$ 1,454	$ 1,333

Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands

12 Months Ended

Jun. 30, 2019

Jun. 30, 2018

Net income

$ 5,566

$ 3,581

Other comprehensive income, net of tax:

Unrealized gains (losses) arising during the period

4,612

(2,711)

Reclassification adjustment for gains included in income

^[1],[2]

(561)

(33)

Net unrealized gain (loss)

4,051

(2,744)

Income tax effect

(850)

650

Other comprehensive income (loss)

3,201

(2,094)

Total comprehensive income

$ 8,767

$ 1,487

[1]	Income tax expense
[2]	Securities gain, net

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Treasury Stock [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Jun. 30, 2017	$ 14,630	$ 30,122	$ (1,662)	$ 445	$ 43,535
Net income		3,581			3,581
Other comprehensive loss				(2,094)	(2,094)
Reclassification of disproportionate income tax effects		(14)		14
Value of shares issued associated with stock awards			90		90
204 Dividend reinvestment plan shares associated with expired and forfeited restricted stock awards retired to treasury		4	(4)
Cash dividends declared		(1,351)			(1,351)
Balance at Jun. 30, 2018	14,630	32,342	(1,576)	(1,635)	43,761
Net income		5,566			5,566
Other comprehensive loss				3,201	3,201
Value of shares issued associated with stock awards	26		33		59
Cash dividends declared		(1,421)			(1,421)
Balance at Jun. 30, 2019	$ 14,656	$ 36,487	$ (1,543)	$ 1,566	$ 51,166

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Shares associated with stock awards (in shares)	2,614	6,321
Dividends reinvestment plan and restricted award forfeited and expired (in shares)		204
Common stock, dividends, per share, declared (in dollars per share)	$ 0.52	$ 0.495

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Cash flows from operating activities:
Net income	$ 5,566	$ 3,581
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation	797	771
Securities amortization and accretion, net	784	963
Provision for loan losses	(440)	310
Gain on disposal of fixed assets	(11)	(6)
Loss on disposition or direct write-down of other real estate owned		2
Net gain on sale of loans	(458)	(367)
Deferred income tax expense	173	462
Gain on sale of securities	(561)	(33)
Origination of loans held for sale	(29,473)	(22,336)
Proceeds from loans held for sale	29,797	22,760
Increase in cash surrender value of life insurance	(271)	(270)
Change in other assets and other liabilities	483	14
Net cash flows from operating activities	6,386	5,851
Securities available-for-sale:
Purchases	(22,914)	(23,878)
Maturities, calls and principal pay downs	19,091	15,618
Proceeds from sales of available-for-sale securities	7,670	2,644
Securities held-to-maturity:
Principal pay downs	238	235
Net decrease in certificates of deposit with other financial institutions	990	948
Purchase of Federal Home Loan Stock	(264)	(34)
Net increase in loans	(49,935)	(45,869)
Acquisition of premises and equipment	(1,671)	(688)
Disposal of premises and equipment	45	6
Proceeds from sale of other real estate owned		69
Net cash flows from investing activities	(46,750)	(50,949)
Cash flows from financing activities:
Net increase in deposit accounts	42,211	55,492
Proceeds from Federal Home Loan Bank advances	13,000	2,700
Repayments of Federal Home Loan Bank advances	(2,056)	(3,264)
Change in short-term borrowings	(9,681)	(10,619)
Dividends paid	(1,421)	(1,351)
Net cash flows from financing activities	42,053	42,958
Increase (decrease) in cash and cash equivalents	1,689	(2,140)
Cash and cash equivalents, beginning of year	7,772	9,912
Cash and cash equivalents, end of year	$ 9,461	$ 7,772

Note 1 - Summary of Significant Accounting Policies

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]

NOTE

1—SUMMARY

OF SIGNIFICANT ACCOUNTING POLICIES

Principles of Consolidation:

The consolidated financial statements include the accounts of Consumers Bancorp, Inc. (Corporation) and its wholly owned subsidiary, Consumers National Bank (Bank), together referred to as the Corporation. All significant intercompany transactions have been eliminated in the consolidation.

Nature of Operations:

Consumers Bancorp, Inc. is a bank holding company headquartered in Minerva, Ohio that provides, through its banking subsidiary, a broad array of products and services throughout its primary market area of Carroll, Columbiana, Jefferson, Stark, Summit, Wayne and contiguous counties in Ohio. The Bank’s business involves attracting deposits from businesses and individual customers and using such deposits to originate commercial, mortgage and consumer loans in its primary market area.

Business Segment Information:

The Corporation is engaged in the business of commercial and retail banking, which accounts for substantially all of its revenues, operating income, and assets. Accordingly, all of its operations are reported in

one

segment, banking.

Use of Estimates:

To prepare financial statements in conformity with U.S. generally accepted accounting principles, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ.

Cash Flows:

Cash and cash equivalents include cash, deposits with other financial institutions with original maturities of less than

90

days and federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest bearing deposits in other financial institutions and short-term borrowings. Additional cash flow information was as follows:

	Year Ended June 30,
	201 9		201 8
Cash paid for interest	$	3,092	$	1,643
Cash paid for Federal income taxes		820		730
Non-cash transactions:
Transfer from loans to repossessed assets		—		—
Transfer from loans held for sale to portfolio		75		253
Issuance of treasury stock for stock awards		59		90
Expired and forfeited dividend reinvestment plan shares associated with restricted stock awards that were retired to treasury stock		—		4

Interest–Bearing Deposits in Other Financial Institutions

:

Interest-bearing deposits in other financial institutions mature within

one

year and are carried at cost.

Certificates of Deposit in Financial Institutions:

Certificates of deposit in other financial institutions are carried at cost.

Cash Reserves:

The Bank is required to maintain cash on hand and noninterest-bearing balances on deposit with the Federal Reserve Bank to meet regulatory reserve and clearing requirements. The required reserve balance at

June 30, 2019

and

2018

was

$456

and

$329,

respectively.

Securities:

Securities are generally classified into either held-to-maturity or available-for-sale categories. Held-to-maturity securities are carried at amortized cost and are those the Corporation has the positive intent and ability to hold to maturity. Available-for-sale securities are those the Corporation

may

decide to sell before maturity if needed for liquidity, asset-liability management, or other reasons. Available-for-sale securities are reported at fair value, with unrealized gains or losses included in other comprehensive income (loss) as a separate component of equity, net of tax.

Interest income includes amortization of purchase premiums and accretion of discounts. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.

Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or whether it is more likely than

not

that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do

not

meet the aforementioned criteria, the amount of impairment is split into

two

components as follows:

1

) OTTI related to credit loss, which must be recognized in the income statement and

2

) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

Federal Bank and Other Restricted Stocks:

The Bank is a member of the Federal Home Loan Bank (FHLB) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and

may

invest in additional amounts. FHLB stock, included with Federal bank and other restricted stocks on the Consolidated Balance Sheet, is carried at cost, classified as a restricted security and periodically evaluated for impairment based on ultimate recovery of par value. Federal Reserve Bank stock is also carried at cost. Since these stocks are viewed as a long-term investment, impairment is based on ultimate recovery of par value. Both cash and stock dividends are reported as income.

Loans Held for Sale

:

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

Loans:

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. The recorded investment in loans includes accrued interest receivable.

Interest income on commercial, commercial real estate and

1

-

4

family residential loans is discontinued at the time the loan is

90

days delinquent unless the loan is well-secured and in the process of collection. Consumer loans are typically charged off

no

later than

120

days past due. Past due status is determined by the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.

All interest accrued but

not

received on loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when the customer has exhibited the ability to repay and demonstrated this ability over at least a consecutive

six

-month period and future payments are reasonably assured.

Loan Commitments and Related Financial Instruments:

Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when funded.

Concentrations of Credit Risk:

The Bank grants consumer, real estate and commercial loans primarily to borrowers in Carroll, Columbiana, Jefferson, Stark, Summit and Wayne counties. Therefore, the Corporation’s exposure to credit risk is significantly affected by changes in the economy in these counties. Automobiles and other consumer assets, business assets and residential and commercial real estate secure most loans.

Allowance for Loan Losses:

The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required based on past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors. Allocations of the allowance

may

be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.

The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current factors.

A loan is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms have been modified, resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are

not

classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

Impairment is evaluated collectively for smaller-balance loans of similar nature such as residential mortgage, consumer loans and on an individual loan basis for other loans. If a loan is impaired, a portion of the allowance is allocated so the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected from the collateral. Loans are evaluated for impairment when payments are delayed, typically

90

days or more, or when it is probable that

not

all principal and interest amounts will be collected according to the original terms of the loan. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Corporation determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Corporation over the most recent

two

-year or

three

-year period, depending on loan segment. This actual loss experience is supplemented with economic and other factors based on the risks present for each portfolio segment. These factors include consideration of the following: levels of and trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures and practices; experience, ability and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified:

Commercial:

Commercial loans are made for a wide variety of general business purposes, including financing for equipment, inventories and accounts receivable. The term of each commercial loan varies by its purpose. Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Current and projected cash flows are evaluated to determine the ability of the borrower to repay their obligations as agreed. Commercial loans are primarily made based on the identified cash flows of the borrower and secondarily made based on the underlying collateral provided by the borrower. The cash flows of borrowers, however,

may

not

be as expected and the collateral securing these loans

may

fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and usually incorporate a personal guarantee; however, some short-term loans

may

be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans

may

be substantially dependent on the ability of the borrower to collect amounts due from its customers. The commercial loan portfolio includes loans to a wide variety of corporations and businesses across many industrial classifications in the areas where the Bank operates.

Commercial Real Estate:

Commercial real estate loans include mortgage loans to farmers, owners of multi-family investment properties, developers and owners of commercial real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally largely dependent on the successful operation of the property securing the loan, the business conducted on the property securing the loan or, in the case of loans to farmers, management and operation of the farm. Commercial real estate loans

may

be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Corporation’s commercial real estate portfolio are diverse in terms of type and geographic location. This diversity helps reduce the Corporation’s exposure to adverse economic events that affect any single market or industry. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. In addition, management tracks the level of owner-occupied commercial real estate loans versus nonowner-occupied loans.

1

-

4

Family Residential Real Estate

: Residential real estate loans

are secured by

one

to

four

family residential properties and include both owner occupied, non-owner occupied and home equity loans. Credit approval for residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment, an established credit record and an appropriately appraised value of the real estate securing the loan that generally requires that the residential real estate loan amount be

no

more than

85%

of the purchase price or the appraised value of the real estate securing the loan unless the borrower provides private mortgage insurance.

Consumer

: The Corporation originates direct and indirect consumer loans, primarily automobile loans, personal lines of credit, and unsecured consumer loans in its primary market areas. Credit approval for consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances.

Other Real Estate Owned:

Real estate properties acquired through, or in lieu of, loan foreclosure are initially recorded at fair value less costs to sell at the date of acquisition, establishing a new cost basis. Any reduction to fair value from the carrying value of the related loan at the time of acquisition is accounted for as a loan loss. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If the fair value declines after acquisition, a valuation allowance is recorded as a charge to income. Operating costs after acquisition are expensed. Gains and losses on disposition are reported as a charge to income.

Transfers of Financial Assets:

Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Corporation, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Corporation does

not

maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

Premises and Equipment:

Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight-line method over the estimated useful life of the owned asset and, for leasehold improvements, generally over the lesser of the remaining term of the lease facility or the estimated economic life of the improvement. Useful lives range from

three

years for software to

thirty-nine

and

one

-half years for buildings.

Cash Surrender Value of Life Insurance:

The Bank has purchased single-premium life insurance policies to insure the lives of current and former participants in the salary continuation plan. As of

June

30,

2019,

the Bank had policies with total death benefits of

$19,806

and total cash surrender values of

$9,606.

As of

June

30,

2018,

the Bank had policies with total death benefits of

$19,776

and total cash surrender values of

$9,335.

Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Tax-exempt income is recognized from the periodic increases in cash surrender value of these policies.

Long-

T

erm Assets:

Premises, equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount

may

not

be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.

Repurchase Agreements:

Substantially all repurchase agreement liabilities, which are classified as short-term borrowings, represent amounts advanced by various customers. Securities are pledged to cover these liabilities, which are

not

covered by federal deposit insurance.

Retirement Plans:

The Bank maintains a

401

(k) savings and retirement plan covering all eligible employees and matching contributions are expensed as made. Salary continuation plan expense allocates the benefits over years of service.

Income Taxes:

The Corporation files a consolidated federal income tax return. Income tax expense is the sum of the current-year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. The Corporation applies a more likely than

not

recognition threshold for all tax uncertainties in accordance with U.S. generally accepted accounting principles. A tax position is recognized as a benefit only if it is more likely than

not

that the position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit greater than

50%

likely of being realized on examination. The Corporation recognizes interest and/or penalties related to income tax matters in income tax expense.

Earnings per Common Share:

Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable upon the vesting of restricted stock awards.

Stock-Based Compensation:

Compensation cost is recognized for restricted stock awards issued to employees over the required service period, generally defined as the vesting period. The fair value of restricted stock awards is estimated by using the market price of the Corporation’s common stock at the date of grant. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.

Comprehensive Income:

Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available-for-sale, which are also recognized as a separate component of equity, net of tax.

Loss Contingencies:

Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does

not

believe there are such matters that will have a material effect on the Corporation’s financial statements.

Fair Value of Financial Instruments:

Fair value of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note

14

of the Consolidated Financial Statements. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, discounted cash flows, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Dividend Restrictions:

Banking regulations require maintaining certain capital levels and

may

limit the dividends paid by the Bank to the holding company or by the holding company to shareholders.

Reclassifications:

Certain reclassifications have been made to the

June

30,

2018

financial statements to be comparable to the

June

30,

2019

presentation. The reclassifications had

no

impact on prior year net income or shareholders’ equity.

Recently Issued Accounting Pronouncements

Not

Yet Effective:

In

June 2016,

Financial Accounting Standards Board (FASB) issued ASU

2016

-

13,

Financial Instruments—Credit Losses (Topic

326

): Measurement of Credit Losses on Financial Instruments. This ASU adds a new Topic

326

to the codification and removes the thresholds that companies apply to measure credit losses on financial instruments measured at amortized cost, such as loans, receivables, and held-to-maturity debt securities. Under current U.S. generally accepted accounting principles, companies generally recognize credit losses when it is probable that the loss has been incurred. The revised guidance will remove all current loss recognition thresholds and will require companies to recognize an allowance for credit losses for the difference between the amortized cost basis of a financial instrument and the amount of amortized cost that the corporation expects to collect over the instrument’s contractual life. ASU

2016

-

13

also amends the credit loss measurement guidance for available-for-sale debt securities and beneficial interests in securitized financial assets. The guidance in ASU

2016

-

13

is effective for “public business entities,” as defined in the guidance, that are SEC filers for fiscal years and for interim periods within those fiscal years beginning after

December 15, 2019.

Early adoption of the guidance is permitted for fiscal years beginning after

December 15, 2018,

including interim periods within those fiscal years. However, during

July 2019,

FASB unanimously voted for a proposal to delay this ASU to

January 2023

for smaller reporting companies. While there is a

thirty

-day comment period starting in

August,

the proposed delay is widely expected to be adopted. Management is currently evaluating the impact of the adoption of this guidance on the Corporation’s consolidated financial statements and is in the midst of gathering critical data to evaluate the impact. However, it is too early to estimate the impact.

In

February 2016,

FASB issued ASU

2016

-

02,

Leases (Topic

842

). This ASU will require all organizations that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. Additional qualitative and quantitative disclosures will be required so that users can understand more about the nature of an entity’s leasing activities. The new guidance is effective for annual reporting periods, and interim reporting periods within those annual periods, beginning after

December 15, 2018.

Early adoption is permitted. The Corporation has several lease agreements, such as branch locations, which are currently considered operating leases, and therefore,

not

recognized on the Corporation’s consolidated condensed statements of financial condition. The Corporation expects the new guidance to require these lease agreements to now be recognized on the consolidated condensed statements of financial condition as a right-of-use asset and a corresponding lease liability. Therefore, the Corporation’s preliminary evaluation indicates the provisions of ASU

No.

2016

-

02

are expected to impact the Corporation’s consolidated condensed statements of financial condition, along with our regulatory capital ratios. The definition of a lease and the cash flows required to be evaluated will change. Upon adoption of ASU

2016

-

02

on

July 1, 2019,

the Corporation expects to recognize right-of-use assets and related lease liabilities totaling approximately

$

582

.

Note 2 - Acquisition	12 Months Ended
Note 2 - Acquisition	Jun. 30, 2019
Notes to Financial Statements
Business Combination Disclosure [Text Block]	NOTE 2— ACQUISITION On June 14, 2019, Consumers entered into a Merger Agreement with Peoples Bancorp of Mt. Pleasant, Inc. (Peoples) and its wholly-owned subsidiary, The Peoples National Bank of Mount Pleasant. Each Peoples shareholder will receive 63.16 common shares of Consumers common stock or $1,200.00 in cash, subject to total consideration being paid 50% in Consumers common share and 50% cash as provided in the Merger Agreement. Based on Consumers’ 20 day average closing price of $19.07 on June 13, 2019, the aggregate implied transaction value was approximately $10.3 million. On June 30, 2019, Peoples had approximately $75 million in total assets, $53.1 million in loans and $65.7 million in deposits at its three banking centers located in Mt. Pleasant, Adena, and Dillonvale, Ohio. The transaction is expected to be completed in the second quarter of fiscal year 2020, pending the approval of shareholders of Peoples and the completion of other customary closing conditions. All necessary regulatory approvals have been received.

Note 3 - Securities

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

NOTE

3

—SECURITIE

S

The following table summarizes the amortized cost and fair value of securities available-for-sale and securities held-to-maturity at

June 30, 2019

and

2018

and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses:

Available-for-sale	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
June 30, 201 9
Obligations of U.S. government-sponsored entities and agencies	$	19,227	$	287	$	(1	)	$	19,513
Obligations of state and political subdivisions		56,405		1,557		(33	)		57,929
U.S. Government-sponsored mortgage-backed securities - residential		56,309		450		(448	)		56,311
U.S. Government-sponsored collateralized mortgage obligations - residential		10,087		198		(28	)		10,257
Total available-for-sale securities	$	142,028	$	2,492	$	(510	)	$	144,010

Held-to-maturity	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value
June 30, 201 9
Obligations of state and political subdivisions	$	3,786	$	35	$	—	$	3,821
Total held-to-maturity securities	$	3,786	$	35	$	—	$	3,821

Available-for-sale	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
June 30, 201 8
Obligations of U.S. government-sponsored entities and agencies	$	16,488	$	6	$	(372	)	$	16,122
Obligations of state and political subdivisions		56,964		339		(713	)		56,590
U.S. Government-sponsored mortgage-backed securities - residential		65,062		6		(1,660	)		63,408
U.S. Government-sponsored mortgage-backed securities - commercial		1,432		—		(17	)		1,415
U.S. Government-sponsored collateralized mortgage obligations - residential		5,973		9		(216	)		5,766
Pooled trust preferred security		178		549		—			727
Total available-for-sale securities	$	146,097	$	909	$	(2,978	)	$	144,028

Held-to-maturity	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value
June 30, 201 8
Obligations of state and political subdivisions	$	4,024	$	24	$	—	$	4,048
Total held-to-maturity securities	$	4,024	$	24	$	—	$	4,048

Proceeds from sales of available-for-sale securities during fiscal year

2019

and fiscal year

2018

were as follows:

	201 9		201 8
Proceeds from sales	$	7,670	$	2,644
Gross realized gains		606		40
Gross realized losses		45		7

The income tax provision related to these net realized gains amounted to

$118

in fiscal year

2019

and

$12

in fiscal year

2018.

The amortized cost and fair values of debt securities at

June

30,

2019

by expected maturity are shown below. Expected maturities will differ from contractual maturities because borrowers

may

have the right to call or prepay obligations with or without call or prepayment penalties. Securities

not

due at a single maturity date, primarily mortgage-backed securities and collateralized mortgage obligations are shown separately.

Available-for-sale	Amortized Cost		Fair Value
Due in one year or less	$	9,473	$	9,592
Due after one year through five years		15,700		15,969
Due after five years through ten years		21,774		22,179
Due after ten years		28,685		29,702
Total		75,632		77,442
U.S. Government-sponsored mortgage-backed and related securities		66,396		66,568
Total	$	142,028	$	144,010

Held-to-maturity	Amortized Cost		Fair Value
Due after five years through ten years	$	451	$	471
Due after ten years		3,335		3,350
Total	$	3,786	$	3,821

Securities with a carrying value of approximately

$72,600

and

$71,673

were pledged at

June 30, 2019

and

2018,

respectively, to secure public deposits and commitments as required or permitted by law. At

June 30, 2019

and

2018,

there were

no

holdings of securities of any

one

issuer, other than obligations of U.S. government-sponsored entities and agencies, with an aggregate book value greater than

10%

of shareholders’ equity.

The following table summarizes the securities with unrealized and unrecognized losses at

June 30, 2019

and

2018,

aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position:

	Less than 12 Months				12 Months or more					Total
Available-for-sale	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
June 30, 201 9
Obligations of U.S. government-sponsored entities and agencies	$	—	$	—	$	998	$	(1	)	$	998	$	(1	)
Obligations of states and political subdivisions		—		—		5,201		(33	)		5,201		(33	)
Mortgage-backed securities - residential		—		—		36,362		(448	)		36,362		(448	)
Collateralized mortgage obligations - residential		—		—		3,277		(28	)		3,277		(28	)
Total temporarily impaired	$	—	$	—	$	45,838	$	(510	)	$	45,838	$	(510	)

	Less than 12 Months					12 Months or more					Total
Available-for-sale	Fair Value		Unrealized Loss			Fair Value		Unrealized Loss			Fair Value		Unrealized Loss

June 30, 201 8
Obligations of U.S. government-sponsored entities and agencies	$	12,400	$	(224	)	$	2,747	$	(148	)	$	15,147	$	(372	)
Obligations of states and political subdivisions		26,775		(369	)		7,975		(344	)		34,750		(713	)
Mortgage-backed securities - residential		31,038		(581	)		29,716		(1,079	)		60,754		(1,660	)
Mortgage-backed securities - commercial		1,415		(17	)		—		—			1,415		(17	)
Collateralized mortgage obligations - residential		—		—			4,821		(216	)		4,821		(216	)
Total temporarily impaired	$	71,628	$	(1,191	)	$	45,259	$	(1,787	)	$	116,887	$	(2,978	)

Management evaluates securities for other-than-temporary impairment (OTTI) on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The securities portfolio is evaluated for OTTI by segregating the portfolio into

two

general segments and applying the appropriate OTTI model. Investment securities are generally evaluated for OTTI under FASB ASC Topic

320,

Accounting for Certain Investments in Debt and Equity Securities

.

In determining OTTI under the ASC Topic

320

model, management considers many factors, including: (

1

) the length of time and the extent to which the fair value has been less than cost, (

2

) the financial condition and near-term prospects of the issuer, (

3

) whether the market decline was affected by macroeconomic conditions, and (

4

) whether the entity has the intent to sell the debt security or more likely than

not

will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.

As of

June 30, 2019,

the Corporation’s securities portfolio consisted of

251

available-for-sale and

three

held-to-maturity securities. There were

71

available-for-sale securities in an unrealized loss position at

June 30, 2019,

all of which were in a continuous loss position for

twelve

or more months. There were

no

held-to-maturity securities in an unrealized loss position at

June 30, 2019.

The unrealized losses within the securities portfolio were primarily attributed to a change in market rates. At

June 30, 2019,

all the mortgage-backed securities and collateralized mortgage obligations held by the Corporation were issued by U.S. government-sponsored entities and agencies, primarily Fannie Mae and Freddie Mac, institutions which the government has affirmed its commitment to support. Also, management monitors the financial condition of the individual municipal securities to ensure they meet minimum credit standards. Since the Corporation does

not

intend to sell these securities and it is

not

likely the Corporation will be required to sell these securities at an unrealized loss position prior to any anticipated recovery in fair value, which

may

be maturity, management does

not

believe there is any OTTI related to these securities at

June 30, 2019.

Also, there was

no

OTTI recognized at

June 30, 2018.

Note 4 - Loans

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

NOTE

4

—LOANS

Major classifications of loans were as follows as of

June

30:

	201 9			201 8
Commercial	$	80,453		$	60,995
Commercial real estate:
Construction		16,120			5,394
Other		195,269			183,383
1 – 4 Family residential real estate:
Owner occupied		55,941			47,433
Non-owner occupied		14,517			15,516
Construction		1,931			1,171
Consumer		5,150			4,873
Subtotal		369,381			318,765
Net deferred loan fees and costs		(206	)		(256	)
Allowance for loan losses		(3,788	)		(3,422	)
Net loans	$	365,387		$	315,087

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended

June 30, 2019:

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total

Allowance for loan losses:
Beginning balance	$	586	$	2,277		$	499		$	60		$	3,422
Provision for loan losses		74		(498	)		(28	)		12			(440	)
Loans charged-off		—		(80	)		—			(36	)		(116	)
Recoveries		—		876			23			23			922
Total ending allowance balance	$	660	$	2,575		$	494		$	59		$	3,788

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended

June 30, 2018:

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total

Allowance for loan losses:
Beginning balance	$	518	$	2,038		$	473		$	57		$	3,086
Provision for loan losses		51		202			45			12			310
Loans charged-off		—		(4	)		(33	)		(24	)		(61	)
Recoveries		17		41			14			15			87
Total ending allowance balance	$	586	$	2,277		$	499		$	60		$	3,422

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of

June 30, 2019.

Included in the recorded investment in loans is

$891

of accrued interest receivable.

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2	$	7	$	—	$	—	$	9
Collectively evaluated for impairment		658		2,568		494		59		3,779

Total ending allowance balance	$	660	$	2,575	$	494	$	59	$	3,788

Recorded investment in loans:
Loans individually evaluated for impairment	$	174	$	658	$	357	$	—	$	1,189
Loans collectively evaluated for impairment		80,413		210,709		72,591		5,164		368,877

Total ending loans balance	$	80,587	$	211,367	$	72,948	$	5,164	$	370,066

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of

June 30, 2018.

Included in the recorded investment in loans is

$732

of accrued interest receivable.

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	29	$	—	$	—	$	29
Collectively evaluated for impairment		586		2,248		499		60		3,393

Total ending allowance balance	$	586	$	2,277	$	499	$	60	$	3,422

Recorded investment in loans:
Loans individually evaluated for impairment	$	100	$	1,562	$	398	$	—	$	2,060
Loans collectively evaluated for impairment		60,979		187,191		64,135		4,876		317,181

Total ending loans balance	$	61,079	$	188,753	$	64,533	$	4,876	$	319,241

The following table presents information related to loans individually evaluated for impairment by class of loans as of and for the year ended

June 30, 2019:

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized

With no related allowance recorded:
Commercial	$	—	$	—	$	—	$	86	$	6	$	6
Commercial real estate:
Other		580		436		—		1,051		28		28
1-4 Family residential real estate:
Owner occupied		124		93		—		97		—		—
Non-owner occupied		297		264		—		279		—		—
With an allowance recorded:
Commercial real estate:
Other		221		222		7		226		14		14
Commercial		173		174		2		44		2		2
Total	$	1,395	$	1,189	$	9	$	1,783	$	50	$	50

The following table presents information related to loans individually evaluated for impairment by class of loans as of and for the year ended

June 30, 2018:

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized

With no related allowance recorded:
Commercial	$	100	$	100	$	—	$	111	$	5	$	5
Commercial real estate:
Other		1,330		1,330		—		1,102		17		17
1-4 Family residential real estate:
Owner occupied		101		101		—		71		—		—
Non-owner occupied		297		297		—		314		—		—
With an allowance recorded:
Commercial real estate:
Other		231		232		29		285		28		28
Total	$	2,059	$	2,060	$	29	$	1,883	$	50	$	50

The following table presents the recorded investment in non-accrual and loans past due over

90

days still on accrual by class of loans as of

June 30, 2019

and

2018:

	June 30, 2019				June 30, 2018
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial real estate:
Other	$	436	$	—	$	702	$	—
1 – 4 Family residential:
Owner occupied		85		—		90		—
Non-owner occupied		264		—		298		—
Total	$	785	$	—	$	1,090	$	—

Non-accrual loans and loans past due

90

days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.

The following table presents the aging of the recorded investment in past due loans as of

June 30, 2019

by class of loans:

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	80,587	$	80,587
Commercial real estate:
Construction		—		—		—		—		16,075		16,075
Other		199		—		—		199		195,093		195,292
1-4 Family residential:
Owner occupied		40		—		80		120		56,347		56,467
Non-owner occupied		—		—		—		—		14,518		14,518
Construction		—		—		—		—		1,963		1,963
Consumer		1		—		—		1		5,163		5,164
Total	$	240	$	—	$	80	$	320	$	369,746	$	370,066

The above table of past due loans includes the recorded investment in non-accrual loans of

$198

in the

30

-

59

days,

$80

in the

90

days or greater category and

$507

in the loans

not

past due category.

The following table presents the aging of the recorded investment in past due loans as of

June 30, 2018

by class of loans:

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	61,079	$	61,079
Commercial real estate:
Construction		—		—		—		—		5,386		5,386
Other		238		—		—		238		183,129		183,367
1-4 Family residential:
Owner occupied		11		—		80		91		47,738		47,829
Non-owner occupied		—		—		—		—		15,514		15,514
Construction		—		—		—		—		1,190		1,190
Consumer		7		—		—		7		4,869		4,876
Total	$	256	$	—	$	80	$	336	$	318,905	$	319,241

The above table of past due loans includes the recorded investment in non-accrual loans of

$249

in the

30

-

59

days,

$80

in the

90

days or greater category and

$761

in the loans

not

past due category.

Troubled Debt Restructurings

(TDR)

:

The Corporation has certain loans that have been modified in order to maximize collection of loan balances. A modified loan is classified as a TDR if, for economic reasons, management grants a concession to the original terms and conditions of the loan to a borrower who is experiencing financial difficulties that it would

not

have otherwise considered.

At

June 30, 2019

and

2018,

the Corporation had

$725

and

$1,269,

respectively, of loans classified as TDRs which are included in impaired loans above. At

June 30, 2019

and

2018,

the Corporation had

$9

and

$29,

respectively, of specific reserves allocated to these loans.

During the fiscal year ended

June 30, 2019,

the terms of certain loans were modified as a troubled debt restructuring. The modification of the terms of such loans included a combination of forgiveness of a portion of the principal amount owed, which resulted in a reduction in the monthly payment amount, an extension of the maturity date and the extension of additional credit to provide operating funds. As of

June 30, 2019,

the Corporation had

not

committed to lend any additional funds to customers with outstanding loans that were classified as troubled debt restructurings. The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended

June 30, 2019:

			Pre-Modification		Post-Modification
	Number of		Outstanding Recorded		Outstanding Recorded
	Loans		Investment		Investment
Commercial		1	$	38	$	176
Commercial real estate:
Other		1		161		59
Total		2	$	199	$	235

The troubled debt restructuring described above increased the allowance for loan losses and resulted in a charge-off of

$80

during the

twelve

months ended

June 30, 2019.

During the fiscal year ended

June 30, 2018,

the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included a combination of an extension of the maturity date and the extension of additional credit to provide operating funds. The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended

June 30, 2018:

			Pre-Modification		Post-Modification
	Number of		Outstanding Recorded		Outstanding Recorded
	Loans		Investment		Investment
Commercial		2	$	518	$	518
Commercial real estate:
Other		1		512		512
Total		3	$	1,030	$	1,030

The troubled debt restructurings completed in the

2018

fiscal year described above did

not

increase the allowance for loan losses or result in any charge-offs. As of

June 30, 2018,

the Corporation had committed to lend an additional

$175

as part of the restructurings described above. There were

no

loans classified as troubled debt restructurings that were modified within the last

twelve

months for which there was a payment default.

Credit Quality Indicators:

The Corporation 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. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes loans with a total outstanding loan relationship greater than

$100

and non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a monthly basis. The Corporation uses the following definitions for risk ratings:

Special Mention.

Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses

may

result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date.

Substandard.

Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are

not

corrected.

Doubtful.

Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans

not

meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as

not

rated are either less than

$100

or are included in groups of homogeneous loans. These loans are evaluated based on delinquency status, which was discussed previously.

As of

June 30, 2019,

and based on the most recent analysis performed, the recorded investment by risk category of loans by class of loans is as follows:

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	74,393	$	4,942	$	1,012	$	—	$	240
Commercial real estate:
Construction		16,075		—		—		—		—
Other		179,952		8,071		5,337		436		1,496
1-4 Family residential real estate:
Owner occupied		2,245		—		24		5		54,193
Non-owner occupied		13,413		205		318		263		319
Construction		—		—		—		—		1,963
Consumer		32		—		—		—		5,132
Total	$	286,110	$	13,218	$	6,691	$	704	$	63,343

As of

June 30, 2018,

and based on the most recent analysis performed, the recorded investment by risk category of loans by class of loans is as follows:

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	59,214	$	288	$	1,162	$	—	$	415
Commercial real estate:
Construction		5,386		—		—		—		—
Other		172,471		7,061		1,878		702		1,255
1-4 Family residential real estate:
Owner occupied		2,577		—		27		11		45,214
Non-owner occupied		14,025		195		417		298		579
Construction		8		—		—		—		1,182
Consumer		93		—		—		—		4,783
Total	$	253,774	$	7,544	$	3,484	$	1,011	$	53,428

Note 5 - Premises and Equipment

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Property, Plant and Equipment Disclosure [Text Block]

NOTE

5

—PREMISES AND EQUIPMENT

Major classifications of premises and equipment were as follows as of

June

30:

	201 9			201 8
Land	$	1,511		$	1,469
Land improvements		344			344
Building and leasehold improvements		13,013			12,636
Furniture, fixture and equipment		5,872			5,164
Total premises and equipment		20,740			19,613
Accumulated depreciation and amortization		(6,585	)		(6,298	)
Premises and equipment, net	$	14,155		$	13,315

Depreciation expense was

$797

and

$771

for the years ended

June 30, 2019

and

2018,

respectively.

The Corporation is obligated under non-cancelable operating leases for branch properties and equipment. Rent expense incurred was

$159

during each of the years ended

June 30, 2019

and

2018.

The approximate minimum annual rentals and commitments under these leases with remaining terms in excess of

one

year, before considering renewal options that generally are present, were as follows:

Twelve Months Ending June 30
2020	$	109
2021		106
2022		96
2023		79
Thereafter		22
Total	$	412

Note 6 - Deposits

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Deposit Liabilities Disclosures [Text Block]

NOTE

6

—DEPOSITS

The aggregate amount of time deposits that meet or exceed the FDIC Insurance limit of

$250

were

$39,034

and

$23,018

as of

June 30, 2019

and

2018,

respectively. Scheduled maturities of time deposits at

June

30,

2019

were as follows:

Twelve Months Ending June 30
2020	$	69,401
2021		29,840
2022		7,396
2023		4,873
2024		515
Thereafter		180
	$	112,205

Note 7 - Short-term Borrowings

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Debt Disclosure [Text Block]

NOTE

7

—SHORT-TERM BORROWINGS

Short-term borrowings consisted of repurchase agreements and federal fund purchased. Information concerning all short-term borrowings at

June

30,

2019

and

2018,

maturing in less than

one

year is summarized as follows:

	201 9			201 8
Balance at June 30	$	3,686		$	13,367
Average balance during the year		3,521			24,422
Maximum month-end balance		3,975			28,621
Average interest rate during the year		1.45	%		0.98	%
Weighted average rate, June 30		1.39	%		1.02	%

Securities sold under agreements to repurchase are utilized to facilitate the needs of our customers. Physical control is maintained for all securities pledged to secure repurchase agreements. Securities available-for-sale pledged for repurchase agreements as of

June 30, 2019

and

2018

are presented in the following table:

	Overnight and Continuous
	201 9		201 8
U.S. government-sponsored entities and agencies pledged	$	998	$	—
Residential mortgage-backed securities pledged		3,938		5,294
Total pledged	$	4,936	$	5,294
Repurchase agreements	$	3,686	$	4,486

Total interest expense on short-term borrowings was

$51

and

$240

for the years ended

June 30, 2019

and

2018,

respectively.

Note 8 - Federal Home Loan Bank Advances

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Federal Home Loan Bank Advances, Disclosure [Text Block]

NOTE

8

—FEDERAL HOME LOAN BANK ADVANCES

A summary of Federal Home Loan Bank (FHLB) advances were as follows:

							June 30, 201 9					June 30, 201 8
	Stated Interest Rate Range								Weighted Average					Weighted Average
Advance Type	From			To			Amount		Rate			Amount		Rate
Fixed rate, amortizing		—	%		—	%	$	—		—	%	$	56		4.30	%
Fixed rate		1.18			1.97			11,200		1.59			11,700		1.46
Variable rate		2.56			2.56			11,500		2.56			—		—

Each fixed rate advance has a prepayment penalty equal to the present value of

100%

of the lost cash flow based upon the difference between the contract rate on the advance and the current rate on a comparable new advance. The following table is a summary of the scheduled principal payments for all advances:

Twelve Months Ending June 30	Principal Payments
2020	$	13,000
2021		1,500
2022		1,700
2023		—
Thereafter		6,500
Total	$	22,700

Pursuant to collateral agreements with the FHLB, advances are secured by all the stock invested in the FHLB and certain qualifying

first

mortgage and multi-family loans. The advances were collateralized by

$61,812

and

$53,572

of

first

mortgage and multi-family loans under a blanket lien arrangement at

June 30, 2019

and

2018,

respectively. Based on this collateral and the Corporation’s holdings of FHLB stock, the Bank was eligible to borrow up to a total of

$23,283

in additional advances at

June 30, 2019.

Note 9 - Employee Benefit Plans

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Compensation and Employee Benefit Plans [Text Block]

NOTE

9

—EMPLOYEE BENEFIT PLANS

The Bank maintains a

401

(k) savings and retirement plan that permits eligible employees to make before- or after-tax contributions to the plan, subject to the dollar limits from Internal Revenue Service regulations. The Bank matches

100%

of the employee’s voluntary contributions to the plan based on the amount of each participant’s contributions up to a maximum of

4%

of eligible compensation. All regular full-time and part-time employees who complete

six

months of service and are at least

21

years of age are eligible to participate. Amounts charged to operations were

$236

and

$206

for the years ended

June 30, 2019

and

2018,

respectively.

The Bank maintains a nonqualified Salary Continuation Plan (SCP) to reward and encourage certain Bank executives to remain employees of the Bank. The SCP is considered an unfunded plan for tax and Employee Retirement Income Security Act (ERISA) purposes and all obligations arising under the SCP are payable from the general assets of the Corporation. The estimated present value of future benefits to be paid to certain current and former executives totaled

$2,475

as of

June

30,

2019

and

$2,321

as of

June

30,

2018

and is included in other liabilities. For purposes of calculating the present value of future benefits, the discount rate in effect at

June 30, 2019

and

2018

was

4.5%

.

For the years ended

June 30, 2019

and

2018,

$230

and

$225,

respectively, have been charged to expense in connection with the SCP. Distributions to participants were

$76

and

$56

for the years ended

June 30, 2019

and

2018,

respectively.

The

2010

Omnibus Incentive Plan (

2010

Plan) is a nonqualified share based compensation plan. The

2010

Plan was established to promote alignment between key employees’ performance and the Corporation’s shareholder interests by motivating performance through the award of stock-based compensation. The

2010

Plan is intended to attract, retain and motivate talented employees and compensate outside directors for their service to the Corporation. The

2010

Plan has been approved by the Corporation’s shareholders. The Compensation Committee of the Corporation’s Board of Directors has sole authority to select the employees, establish the awards to be issued, and approve the terms and conditions of each award contract.

Under the

2010

Plan, the Corporation

may

grant, among other things, nonqualified stock options, incentive stock options, stock appreciation rights, restricted stock, restricted stock units, or any combination thereof to any employee and outside director. Each award is evidenced by an award agreement that specifies the number of shares awarded, the vesting period, the performance requirements, and such other provisions as the Compensation Committee determines. Upon a change-in-control of the Corporation, as defined in the

2010

Plan, all outstanding awards immediately vest.

The Corporation has granted restricted stock awards to certain employees and directors. Restricted stock awards are issued at

no

cost to the recipient and can be settled only in shares at the end of the vesting period. Awards are made at the end of the measurement period of certain specified performance targets once those performance targets as established by the Compensation Committee are achieved. Some awards, primarily the awards made to directors, vest on the date of grant. Other awards, primarily the awards made to executive management,

25%

vest on the grant date, which is the end of the performance period, with the remaining vesting

25%

per year over a

three

-year period. Restricted stock awards provide the holder with full voting rights and dividends during the vesting period. Cash dividends are reinvested into shares of stock and are subject to the same restrictions and vesting as the initial award. All dividends are forfeitable in the event the shares do

not

vest. The fair value of the restricted stock awards, which is used to measure compensation expense, is the closing market price of the Corporation’s common stock on the date of the grant and compensation expense is recognized over the vesting period of the awards.

The following table summarizes the status of the restricted stock awards:

	Restricted Stock Awards			Weighted-Average Grant Date Fair Value Per Share
Outstanding at June 30, 2018		2,062		$	21.00
Granted		4,201			23.40
Vested		(2,614	)		22.77
Non-vested at June 30, 2019		3,649		$	22.49

There was

$74

in expense recognized in the

2019

fiscal year and

$101

in expense recognized in the

2018

fiscal year in connection with the restricted stock awards. As of

June 30, 2019,

there was

$57

of total unrecognized compensation expense related to non-vested shares and the expense is expected to be recognized over the next

three

years.

Note 10 - Income Taxes

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Income Tax Disclosure [Text Block]

NOTE

10

—INCOME TAXES

On

December 22, 2017,

the U.S. government enacted comprehensive tax legislation commonly referred to as the Tax Cuts and Jobs Act (Tax Act). The Tax Act significantly revised the future ongoing U.S. corporate income tax structure by, among other things, decreasing U.S. corporate income tax rates to

21.0%

from a maximum of

35.0%.

As the Corporation has a

June 30

fiscal year-end, the lower corporate income tax rate was phased in, resulting in a blended U.S. statutory federal rate of approximately

27.55%

for the Corporation's fiscal year ending

June 30, 2018,

and

21.0%

for subsequent fiscal years. The provision for income taxes consisted of the following for the years ended

June

30,

calculated utilizing a statutory federal income tax rate of

21.0%

in the

2019

fiscal year and

27.55%

in the

2018

fiscal year:

	201 9		201 8
Current income taxes	$	840	$	687
Deferred income tax expense		173		114
Change in corporate tax rate		—		348
Total income tax expense	$	1,013	$	1,149

The reduction of the corporate tax rate required the Corporation to revalue its deferred tax assets and liabilities during the

2018

fiscal year based on the lower federal tax rate of

21.0%.

As a result of the new legislation, during the

2018

fiscal year, the Corporation recorded a charge to income tax expense of

$348

in conjunction with writing down its net deferred tax assets. The net deferred income tax asset consisted of the following components at

June

30:

	201 9			201 8
Deferred tax assets:
Allowance for loan losses	$	701		$	632
Deferred compensation		616			514
Recognized loss on impairment of security		—			164
Deferred income		55			68
Non-accrual loan interest income		50			42
Other		7			—
Net unrealized securities loss		—			435
Gross deferred tax asset		1,429			1,855

Deferred tax liabilities:
Depreciation		(645	)		(489	)
Loan fees		(278	)		(238	)
FHLB stock dividends		(102	)		(102	)
Prepaid expenses		(42	)		(56	)
Net unrealized securities gain		(416	)		—
Gross deferred tax liabilities		(1,483	)		(885	)
Net deferred asset (liability)	$	(54	)	$	970

The difference between the provision for income taxes and amounts computed by applying the statutory income tax rate of

21.0%

for

2019

and

27.55%

for

2018

to income before taxes consisted of the following for the years ended

June

30:

	201 9			201 8
Income taxes computed at the statutory rate on pretax income	$	1,382		$	1,303
Tax exempt income		(319	)		(408	)
Cash surrender value income		(57	)		(75	)
Tax credit		(28	)		(27	)
Change in corporate tax rate		—			348
Other non-deductible expenses		35			8
Total income tax expense	$	1,013		$	1,149

The effective tax rate was

15.4%

for the year ended

June 30, 2019

compared to

24.3%

for the year ended

June 30, 2018.

At

June 30, 2019

and

June 30, 2018,

the Corporation had

no

unrecognized tax benefits recorded. The Corporation does

not

expect the total amount of unrecognized tax benefits to significantly increase within the next

twelve

months. There were

no

interest or penalties recorded for the years ended

June 30, 2019

and

2018

and there were

no

amounts accrued for interest and penalties at

June 30, 2019

and

2018.

The Corporation and the Bank are subject to U.S. federal income tax as an income-based tax and a capital-based franchise tax in the State of Ohio. The Corporation and the Bank are

no

longer subject to examination by taxing authorities for years before

2015.

Note 11 - Related Party Transactions

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

NOTE

1

—RELATED PARTY TRANSACTIONS

In the ordinary course of business, the Bank has granted loans to certain executive officers, directors and their affiliates. A summary of activity during the year ended

June

30,

2019

of related party loans were as follows:

Principal balance, July 1	$	11,138
New loans, net of refinancing		687
Repayments		(1,195	)
Changes due to changes in related parties		(68	)
Principal balance, June 30	$	10,562

Deposits from executive officers, directors and their affiliates totaled

$3,800

at

June

30,

2019

and

$5,897

at

June

30,

2018.

Note 12 - Regulatory Matters

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Regulatory Capital Requirements under Banking Regulations [Text Block]

NOTE

1

2

—REGULATORY MATTERS

Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective-action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements.

The prompt corrective action regulations provide

five

classifications, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are

not

used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and plans for capital restoration are required.

As of fiscal year-end

2019

and

2018,

the Corporation met the definition of a Small Bank Holding Company and, therefore, was exempt from maintaining consolidated regulatory capital ratios. Instead, regulatory capital ratios only apply at the subsidiary bank level. The Basel III Capital Rules became effective for the Bank on

January

1,

2015

and certain provisions were subject to a phase-in period. The implementation of the capital conservation buffer was phased in from

0.625%

on

January

1,

2016

to

2.5%

on

January

1,

2019.

The capital conservation buffer for

2019

was

2.50%

and for

2018

was

1.875%.

The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of Common Equity Tier

1

capital to risk-weighted assets above the minimum but below the conservation buffer will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall. The net unrealized gain or loss on available for sale securities is

not

included in computing regulatory capital. Management believes as of

June 30, 2019,

the Bank met all capital adequacy requirements to which it was subject.

The following table presents actual and required capital ratios as of

June

30,

2019

and

June 30, 2018

for the Bank:

	Actual					Minimum Capital Required – Basel III (1)					Minimum Required To Be Considered Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 2019
Common equity Tier 1 to risk-weighted assets	$	48.0		11.68	%	$	18.5		4.50	%	$	26.7		6.50	%
Tier 1 capital to risk weighted assets		48.0		11.68			24.6		6.00			32.9		8.00
Total capital to risk weighted assets		51.8		12.60			32.9		8.00			41.1		10.00
Tier 1 capital to average assets		48.0		8.88			21.6		4.00			27.0		5.00

	Actual					Minimum Capital Required - Basel III (1)					Minimum Required To Be Considered Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 201 8
Common equity Tier 1 to risk-weighted assets	$	43.7		12.20	%	$	16.1		4.50	%	$	23.3		6.50	%
Tier 1 capital to risk weighted assets		43.7		12.20			21.5		6.00			28.7		8.00
Total capital to risk weighted assets		47.1		13.15			28.7		8.00			35.8		10.00
Tier 1 capital to average assets		43.7		8.74			20.0		4.00			25.0		5.00

(

1

)

These amounts exclude the capital conservation buffer.

As of the latest regulatory examination, the Bank was categorized as well capitalized. There are

no

conditions or events since that examination that management believes

may

have changed the Bank’s category.

The Corporation’s principal source of funds for dividend payment is dividends received from the Bank. Banking regulations limit the amount of dividends that

may

be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that

may

be paid in any calendar year is limited to the current year’s net profits, combined with the retained net profits of the preceding

two

years, subject to the capital requirements described above. As of

June

30,

2019

the Bank could, without prior approval, declare a dividend of approximately

$7,286.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References

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Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
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+ Details

Note 13 - Commitments With Off-balance Sheet Risk	12 Months Ended
Note 13 - Commitments With Off-balance Sheet Risk	Jun. 30, 2019
Notes to Financial Statements
Commitments with Off-Balance Sheet Risk Disclosure [Text Block]	NOTE 1 3 —COMMITMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to commitments to extend credit in the normal course of business to meet the financing needs of its customers. Commitments are agreements to lend to customers providing that there are no violations of any condition established in the contract. Commitments to extend credit have a fixed expiration date or other termination clause. These instruments involve elements of credit and interest rate risk more than the amount recognized in the statements of financial position. The Bank uses the same credit policies in making commitments to extend credit as it does for on-balance sheet instruments. The Bank evaluates each customer’s credit on a case-by-case basis. The amount of collateral obtained is based on management’s credit evaluation of the customer. The amount of commitments to extend credit and the exposure to credit loss for non-performance by the customer was $83,702 and $62,764 as of June 30, 2019 and 2018, respectively. Of the June 30, 2019 commitments, $67,722 carried variable rates and $15,980 carried fixed rates of interest ranging from 3.50% to 6.75% with maturity dates from July 2019 to July 2050. Of the June 30, 2018 commitments, $53,082 carried variable rates and $9,682 carried fixed rates of interest ranging from 3.375% to 6.50% with maturity dates from August 2018 to June 2048. Financial standby letters of credit were $2,563 as of June 30, 2019 and $1,090 as of June 30, 2018. In addition, commitments to extend credit of $8,840 and $8,493 as of June 30, 2019 and 2018, respectively, were available to checking account customers related to the overdraft protection program. Since some loan commitments expire without being used, the amount does not necessarily represent future cash commitments.

Note 14 - Fair Value

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Fair Value Disclosures [Text Block]

NOTE

1

4

—FAIR VALUE

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are

three

levels of inputs that

may

be used to measure fair values:

Level

1:

Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level

2:

Significant other observable inputs other than Level

1

prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are

not

active; or other inputs that are observable or can be corroborated by observable market data.

Level

3:

Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

Financial assets and financial liabilities measured at fair value on a recurring basis include the following:

Securities available-for-sale:

When available, the fair values of available-for-sale securities are determined by obtaining quoted prices on nationally recognized securities exchanges (Level

1

inputs). For securities where quoted market prices are

not

available, fair values are calculated based on market prices of similar securities (Level

2

inputs). For securities where quoted prices or market prices of similar securities are

not

available, fair values are calculated using discounted cash flows or other unobservable inputs (Level

3

inputs).

Assets and liabilities measured at fair value on a recurring basis are summarized below, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:

			Fair Value Measurements at June 30, 2019 Using
	Balance at June 30, 2019		Level 1		Level 2		Level 3
Assets:
Securities available-for-sale:
Obligations of government-sponsored entities	$	19,513	$	—	$	19,513	$	—
Obligations of states and political subdivisions		57,929		—		57,929		—
Mortgage-backed securities - residential		56,311		—		56,311		—
Collateralized mortgage obligations		10,257		—		10,257		—

			Fair Value Measurements at June 30, 2018 Using
	Balance at June 30, 2018		Level 1		Level 2		Level 3
Securities available-for-sale:
Obligations of government-sponsored entities	$	16,122	$	—	$	16,122	$	—
Obligations of states and political subdivisions		56,590		—		56,590		—
Mortgage-backed securities - residential		63,408		—		63,408		—
Mortgage-backed securities - commercial		1,415		—		1,415		—
Collateralized mortgage obligations		5,766		—		5,766		—
Pooled trust preferred security		727		—		727		—

There were

no

transfers between Level

1

and Level

2

during the

2019

or the

2018

fiscal year.

Certain financial assets and financial liabilities are measured at fair value on a non-recurring basis; that is, the instruments are

not

measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances. Financial assets and financial liabilities measured at fair value on a non-recurring basis include the following:

Impaired Loans:

At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value generally receive specific allocations of the allowance for loan losses or are charged down to their fair value. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. These appraisals

may

utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level

3

classification of the inputs for determining fair value.

Other Real Estate Owned:

Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

There were

no

financial assets measured at fair value on a non-recurring basis at

June 30, 2018.

Financial assets and financial liabilities measured at fair value on a non-recurring basis at

June 30, 2019

are summarized below:

			Fair Value Measurements at June 30, 2019 Using
	Balance at June 30, 2019		Level 1		Level 2		Level 3
Impaired loans:
Commercial Real Estate - Other	$	59	$	—	$	—	$	59

Impaired loans, measured for impairment using the fair value of the collateral, had a recorded investment of

$59,

with

no

valuation allowance at

June 30, 2019.

The resulting impact to the provision for loan losses was an increase of

$80

for the

twelve

months ended

June 30, 2019.

There were

no

impaired loans measured at fair value on a non-recurring basis at

June 30, 2018

and the resulting impact to the provision for loan losses was a decrease of

$17

being recorded for the

twelve

months ended

June 30, 2018.

There was

no

other real estate owned at

June 30, 2019

and

2018.

The following table presents quantitative information about Level

3

fair value measurements for financial instruments measured at fair value on a non-recurring basis at

June 30, 2019:

	Fair Value		Valuation Technique	Unobservable Inputs		Range			Weighted Average
Impaired loans:
Commercial Real Estate – Other	$	59	Settlement Agreement		N/A		0.0	%		0.0	%

The following table shows the estimated fair values of financial instruments that are reported at amortized cost in the Corporation’s consolidated balance sheets, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:

	201 9				201 8
	Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Financial Assets:
Level 1 inputs:
Cash and cash equivalents	$	9,461	$	9,461	$	7,772	$	7,772
Level 2 inputs:
Certificates of deposits in other financial institutions		1,983		1,983		2,973		2,976
Loans held for sale		1,657		1,687		1,448		1,474
Accrued interest receivable		1,607		1,607		1,404		1,404
Level 3 inputs:
Securities held-to-maturity		3,786		3,821		4,024		4,048
Loans, net		365,387		366,911		315,087		311,642
Financial Liabilities:
Level 2 inputs:
Demand and savings deposits		359,969		359,969		351,422		351,422
Time deposits		112,205		112,841		78,541		78,332
Short-term borrowings		3,686		3,686		13,367		13,367
Federal Home Loan Bank advances		22,700		22,596		11,756		11,146
Accrued interest payable		132		132		68		68

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Note 15 - Parent Company Financial Statements

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Condensed Financial Information of Parent Company Only Disclosure [Text Block]

NOTE

1

5

—PARENT COMPANY FINANCIAL STATEMENTS

The condensed financial information of Consumers Bancorp. Inc. (parent company only) follows:

	June 30, 201 9		June 30, 201 8
Condensed Balance Sheets
Assets
Cash	$	38	$	46
Securities, available-for-sale		1,646		1,622
Other assets		75		73
Investment in subsidiary		49,545		42,089
Total assets	$	51,304	$	43,830
Liabilities
Other liabilities	$	138	$	69
Shareholders’ equity		51,166		43,761
Total liabilities & shareholders’ equity	$	51,304	$	43,830

	Year Ended June 30, 201 9			Year Ended June 30, 201 8
Condensed Statements of Income and Comprehensive Income
Cash dividends from Bank subsidiary	$	1,620		$	1,400
Other income		40			39
Other expense		408			222
Income before income taxes and equity in undistributed net income of subsidiary		1,252			1,217
Income tax benefit		(49	)		(52	)
Income before equity in undistributed net income of Bank subsidiary		1,301			1,269
Equity in undistributed net income of subsidiary		4,265			2,312
Net income	$	5,566		$	3,581
Comprehensive income	$	8,767		$	1,487

Condensed Statements of Cash Flows	Year Ended June 30, 201 9			Year Ended June 30, 201 8
Cash flows from operating activities
Net income	$	5,566		$	3,581
Equity in undistributed net income of Bank subsidiary		(4,265	)		(2,312	)
Securities amortization and accretion, net		(10	)		(10	)
Change in other assets and liabilities		63			12
Net cash flows from operating activities		1,354			1,271
Cash flows from financing activities
Dividend paid		(1,421	)		(1,351	)
Issuance of treasury stock for stock awards		59			90
Net cash flows from financing activities		(1,362	)		(1,261	)
Change in cash and cash equivalents		(8	)		10	)
Beginning cash and cash equivalents		46			36
Ending cash and cash equivalents	$	38		$	46

Note 16 - Earnings Per Share

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Earnings Per Share [Text Block]

N

OTE

1

6

–EARNINGS PER SHARE

Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period and is equal to net income divided by the weighted average number of shares outstanding during the period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares that

may

be issued upon the vesting of restricted stock awards. There were

1,103

shares of restricted stock that were anti-dilutive for the year ending

June 30, 2019.

There were

1,828

shares of restricted stock that were anti-dilutive for the year ending

June 30, 2018.

The following table details the calculation of basic and diluted earnings per share:

	For the year Ended June 30,
	201 9		201 8
Basic:
Net income available to common shareholders	$	5,566	$	3,581
Weighted average common shares outstanding		2,731,247		2,726,926
Basic income per share	$	2.04	$	1.31

Diluted:
Net income available to common shareholders	$	5,566	$	3,581
Weighted average common shares outstanding		2,731,247		2,726,926
Dilutive effect of restricted stock		—		—
Total common shares and dilutive potential common shares		2,731,247		2,726,926
Dilutive income per share	$	2.04	$	1.31

Note 17 - Accumulated Other Comprehensive Income (Loss)

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Comprehensive Income (Loss) Note [Text Block]

N

OTE

1

7

–ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The components of other comprehensive income related to unrealized gains and losses on available-for-sale securities for the periods ended

June 30, 2019

and

June 30, 2018,

were as follows:

	Pretax			Tax Effect			After-tax			Affected Line Item in Consolidated Statements of Income

Balance as of June 30, 2017	$	675		$	(230	)	$	445
Unrealized holding loss on available-for-sale securities arising during the period		(2,711	)		638			(2,073	)
Amounts reclassified from accumulated other comprehensive income		(33	)		12			(21	)	(a)(b)
Net current period other comprehensive loss		(2,744	)		650			(2,094	)
Reclassification of disproportional tax effect		—			14			14
Balance as of June 30, 2018	$	(2,069	)	$	434		$	(1,635	)
Unrealized holding gain on available-for-sale securities arising during the period		4,612			(968	)		3,644
Amounts reclassified from accumulated other comprehensive income		(561	)		118			(443	)	(a)(b)
Net current period other comprehensive income		4,051			(850	)		3,201
Balance as of June 30, 2019	$	1,982		$	(416	)	$	1,566

(a) Securities gain, net

(b) Income tax expense

Note 18 - Revenue Recognition

12 Months Ended

Jun. 30, 2019

Notes to Financial Statements

Revenue from Contract with Customer [Text Block]

N

OTE

18

– R

EVENUE RECOGNITION

On

July 1, 2018,

the Corporation adopted ASU

2014

-

09

"Revenue from Contracts with Customers" (Topic

606

) and all subsequent ASUs that modified Topic

606.

Interest income, net securities gains (losses), gains from the sale of mortgage loans and bank-owned life insurance are

not

included within the scope of Topic

606.

For the revenue streams in the scope of Topic

606,

service charges on deposits and electronic banking fees, there are

no

significant judgments related to the amount and timing of revenue recognition. All of the Corporation's revenue from contracts with customers is recognized within noninterest income.

Service charges on deposit accounts:

The Corporation earns fees from its deposit customers for transaction-based, account maintenance and overdraft services. Transaction-based fees, which include services such as stop payment charges, statement rendering and other fees, are recognized at the time the transaction is executed as that is the point in time the Corporation fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Corporation satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance.

Interchange income:

The Corporation earns interchange income from cardholder transactions conducted through the various payment networks. Interchange income from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. The gross amount of these fees is processed through noninterest income.

The following table presents the Corporation's sources of noninterest income for the year ended

June 30, 2019

and

2018.

	For the year Ended June 30,
	2019		2018
Noninterest income
In scope of Topic 606:
Service charges on deposit accounts	$	1,264	$	1,200
Debit card interchange income		1,454		1,333
Other income		260		188

Noninterest income (in scope of Topic 606)		2,978	$	2,721
Noninterest income (out-of-scope of Topic 606)		1,290		670

Total noninterest income	$	4,268	$	3,391

Significant Accounting Policies (Policies)

12 Months Ended

Jun. 30, 2019

Accounting Policies [Abstract]

Consolidation, Policy [Policy Text Block]

Principles of Consolidation:

The consolidated financial statements include the accounts of Consumers Bancorp, Inc. (Corporation) and its wholly owned subsidiary, Consumers National Bank (Bank), together referred to as the Corporation. All significant intercompany transactions have been eliminated in the consolidation.

Nature of Operations [Policy Text Block]

Nature of Operations:

Consumers Bancorp, Inc. is a bank holding company headquartered in Minerva, Ohio that provides, through its banking subsidiary, a broad array of products and services throughout its primary market area of Carroll, Columbiana, Jefferson, Stark, Summit, Wayne and contiguous counties in Ohio. The Bank’s business involves attracting deposits from businesses and individual customers and using such deposits to originate commercial, mortgage and consumer loans in its primary market area.

Segment Reporting, Policy [Policy Text Block]

Business Segment Information:

The Corporation is engaged in the business of commercial and retail banking, which accounts for substantially all of its revenues, operating income, and assets. Accordingly, all of its operations are reported in

one

segment, banking.

Use of Estimates, Policy [Policy Text Block]

Use of Estimates:

To prepare financial statements in conformity with U.S. generally accepted accounting principles, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ.

Cash and Cash Equivalents, Policy [Policy Text Block]

Cash Flows:

Cash and cash equivalents include cash, deposits with other financial institutions with original maturities of less than

90

days and federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest bearing deposits in other financial institutions and short-term borrowings. Additional cash flow information was as follows:

	Year Ended June 30,
	201 9		201 8
Cash paid for interest	$	3,092	$	1,643
Cash paid for Federal income taxes		820		730
Non-cash transactions:
Transfer from loans to repossessed assets		—		—
Transfer from loans held for sale to portfolio		75		253
Issuance of treasury stock for stock awards		59		90
Expired and forfeited dividend reinvestment plan shares associated with restricted stock awards that were retired to treasury stock		—		4

Interest Bearing Deposits in Other Financial Institutions [Policy Text Block]

Interest–Bearing Deposits in Other Financial Institutions

:

Interest-bearing deposits in other financial institutions mature within

one

year and are carried at cost.

Certificate of Deposits in Financial Institutions [Policy Text Block]

Certificates of Deposit in Financial Institutions:

Certificates of deposit in other financial institutions are carried at cost.

Cash Reserves [Policy Text Block]

Cash Reserves:

The Bank is required to maintain cash on hand and noninterest-bearing balances on deposit with the Federal Reserve Bank to meet regulatory reserve and clearing requirements. The required reserve balance at

June 30, 2019

and

2018

was

$456

and

$329,

respectively.

Marketable Securities, Policy [Policy Text Block]

Securities:

Securities are generally classified into either held-to-maturity or available-for-sale categories. Held-to-maturity securities are carried at amortized cost and are those the Corporation has the positive intent and ability to hold to maturity. Available-for-sale securities are those the Corporation

may

decide to sell before maturity if needed for liquidity, asset-liability management, or other reasons. Available-for-sale securities are reported at fair value, with unrealized gains or losses included in other comprehensive income (loss) as a separate component of equity, net of tax.

Interest income includes amortization of purchase premiums and accretion of discounts. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.

Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or whether it is more likely than

not

that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do

not

meet the aforementioned criteria, the amount of impairment is split into

two

components as follows:

1

) OTTI related to credit loss, which must be recognized in the income statement and

2

) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

Federal Home Loan Bank FHLB Stock [Policy Text Block]

Federal Bank and Other Restricted Stocks:

The Bank is a member of the Federal Home Loan Bank (FHLB) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and

may

invest in additional amounts. FHLB stock, included with Federal bank and other restricted stocks on the Consolidated Balance Sheet, is carried at cost, classified as a restricted security and periodically evaluated for impairment based on ultimate recovery of par value. Federal Reserve Bank stock is also carried at cost. Since these stocks are viewed as a long-term investment, impairment is based on ultimate recovery of par value. Both cash and stock dividends are reported as income.

Financing Receivable, Held-for-sale [Policy Text Block]

Loans Held for Sale

:

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

Policy Loans Receivable, Policy [Policy Text Block]

Loans:

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. The recorded investment in loans includes accrued interest receivable.

Interest income on commercial, commercial real estate and

1

-

4

family residential loans is discontinued at the time the loan is

90

days delinquent unless the loan is well-secured and in the process of collection. Consumer loans are typically charged off

no

later than

120

days past due. Past due status is determined by the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.

All interest accrued but

not

received on loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when the customer has exhibited the ability to repay and demonstrated this ability over at least a consecutive

six

-month period and future payments are reasonably assured.

Loan Commitments, Policy [Policy Text Block]

Loan Commitments and Related Financial Instruments:

Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when funded.

Concentration Risk, Credit Risk, Policy [Policy Text Block]

Concentrations of Credit Risk:

The Bank grants consumer, real estate and commercial loans primarily to borrowers in Carroll, Columbiana, Jefferson, Stark, Summit and Wayne counties. Therefore, the Corporation’s exposure to credit risk is significantly affected by changes in the economy in these counties. Automobiles and other consumer assets, business assets and residential and commercial real estate secure most loans.

Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]

Allowance for Loan Losses:

The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required based on past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors. Allocations of the allowance

may

be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.

The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current factors.

A loan is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms have been modified, resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are

not

classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

Impairment is evaluated collectively for smaller-balance loans of similar nature such as residential mortgage, consumer loans and on an individual loan basis for other loans. If a loan is impaired, a portion of the allowance is allocated so the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected from the collateral. Loans are evaluated for impairment when payments are delayed, typically

90

days or more, or when it is probable that

not

all principal and interest amounts will be collected according to the original terms of the loan. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Corporation determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Corporation over the most recent

two

-year or

three

-year period, depending on loan segment. This actual loss experience is supplemented with economic and other factors based on the risks present for each portfolio segment. These factors include consideration of the following: levels of and trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures and practices; experience, ability and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified:

Commercial:

Commercial loans are made for a wide variety of general business purposes, including financing for equipment, inventories and accounts receivable. The term of each commercial loan varies by its purpose. Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Current and projected cash flows are evaluated to determine the ability of the borrower to repay their obligations as agreed. Commercial loans are primarily made based on the identified cash flows of the borrower and secondarily made based on the underlying collateral provided by the borrower. The cash flows of borrowers, however,

may

not

be as expected and the collateral securing these loans

may

fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and usually incorporate a personal guarantee; however, some short-term loans

may

be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans

may

be substantially dependent on the ability of the borrower to collect amounts due from its customers. The commercial loan portfolio includes loans to a wide variety of corporations and businesses across many industrial classifications in the areas where the Bank operates.

Commercial Real Estate:

Commercial real estate loans include mortgage loans to farmers, owners of multi-family investment properties, developers and owners of commercial real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally largely dependent on the successful operation of the property securing the loan, the business conducted on the property securing the loan or, in the case of loans to farmers, management and operation of the farm. Commercial real estate loans

may

be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Corporation’s commercial real estate portfolio are diverse in terms of type and geographic location. This diversity helps reduce the Corporation’s exposure to adverse economic events that affect any single market or industry. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. In addition, management tracks the level of owner-occupied commercial real estate loans versus nonowner-occupied loans.

1

-

4

Family Residential Real Estate

: Residential real estate loans

are secured by

one

to

four

family residential properties and include both owner occupied, non-owner occupied and home equity loans. Credit approval for residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment, an established credit record and an appropriately appraised value of the real estate securing the loan that generally requires that the residential real estate loan amount be

no

more than

85%

of the purchase price or the appraised value of the real estate securing the loan unless the borrower provides private mortgage insurance.

Consumer

: The Corporation originates direct and indirect consumer loans, primarily automobile loans, personal lines of credit, and unsecured consumer loans in its primary market areas. Credit approval for consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances.

Financing Receivable, Held-for-investment, Foreclosed Asset [Policy Text Block]

Other Real Estate Owned:

Real estate properties acquired through, or in lieu of, loan foreclosure are initially recorded at fair value less costs to sell at the date of acquisition, establishing a new cost basis. Any reduction to fair value from the carrying value of the related loan at the time of acquisition is accounted for as a loan loss. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If the fair value declines after acquisition, a valuation allowance is recorded as a charge to income. Operating costs after acquisition are expensed. Gains and losses on disposition are reported as a charge to income.

Transfers and Servicing of Financial Assets, Policy [Policy Text Block]

Transfers of Financial Assets:

Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Corporation, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Corporation does

not

maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

Property, Plant and Equipment, Policy [Policy Text Block]

Premises and Equipment:

Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight-line method over the estimated useful life of the owned asset and, for leasehold improvements, generally over the lesser of the remaining term of the lease facility or the estimated economic life of the improvement. Useful lives range from

three

years for software to

thirty-nine

and

one

-half years for buildings.

Cash Surrender Value of Life Insurance [Policy Text Block]

Cash Surrender Value of Life Insurance:

The Bank has purchased single-premium life insurance policies to insure the lives of current and former participants in the salary continuation plan. As of

June

30,

2019,

the Bank had policies with total death benefits of

$19,806

and total cash surrender values of

$9,606.

As of

June

30,

2018,

the Bank had policies with total death benefits of

$19,776

and total cash surrender values of

$9,335.

Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Tax-exempt income is recognized from the periodic increases in cash surrender value of these policies.

Long-term Assets [Policy Text Block]

Long-

T

erm Assets:

Premises, equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount

may

not

be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.

Repurchase and Resale Agreements Policy [Policy Text Block]

Repurchase Agreements:

Substantially all repurchase agreement liabilities, which are classified as short-term borrowings, represent amounts advanced by various customers. Securities are pledged to cover these liabilities, which are

not

covered by federal deposit insurance.

Pension and Other Postretirement Plans, Policy [Policy Text Block]

Retirement Plans:

The Bank maintains a

401

(k) savings and retirement plan covering all eligible employees and matching contributions are expensed as made. Salary continuation plan expense allocates the benefits over years of service.

Income Tax, Policy [Policy Text Block]

Income Taxes:

The Corporation files a consolidated federal income tax return. Income tax expense is the sum of the current-year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. The Corporation applies a more likely than

not

recognition threshold for all tax uncertainties in accordance with U.S. generally accepted accounting principles. A tax position is recognized as a benefit only if it is more likely than

not

that the position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit greater than

50%

likely of being realized on examination. The Corporation recognizes interest and/or penalties related to income tax matters in income tax expense.

Earnings Per Share, Policy [Policy Text Block]

Earnings per Common Share:

Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable upon the vesting of restricted stock awards.

Share-based Payment Arrangement [Policy Text Block]

Stock-Based Compensation:

Compensation cost is recognized for restricted stock awards issued to employees over the required service period, generally defined as the vesting period. The fair value of restricted stock awards is estimated by using the market price of the Corporation’s common stock at the date of grant. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.

Comprehensive Income, Policy [Policy Text Block]

Comprehensive Income:

Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available-for-sale, which are also recognized as a separate component of equity, net of tax.

Malpractice Loss Contingency, Policy [Policy Text Block]

Loss Contingencies:

Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does

not

believe there are such matters that will have a material effect on the Corporation’s financial statements.

Fair Value of Financial Instruments, Policy [Policy Text Block]

Fair Value of Financial Instruments:

Fair value of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note

14

of the Consolidated Financial Statements. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, discounted cash flows, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Dividend Restrictions [Policy Text Block]

Dividend Restrictions:

Banking regulations require maintaining certain capital levels and

may

limit the dividends paid by the Bank to the holding company or by the holding company to shareholders.

Reclassification, Policy [Policy Text Block]

Reclassifications:

Certain reclassifications have been made to the

June

30,

2018

financial statements to be comparable to the

June

30,

2019

presentation. The reclassifications had

no

impact on prior year net income or shareholders’ equity.

New Accounting Pronouncements, Policy [Policy Text Block]

Recently Issued Accounting Pronouncements

Not

Yet Effective:

In

June 2016,

Financial Accounting Standards Board (FASB) issued ASU

2016

-

13,

Financial Instruments—Credit Losses (Topic

326

): Measurement of Credit Losses on Financial Instruments. This ASU adds a new Topic

326

to the codification and removes the thresholds that companies apply to measure credit losses on financial instruments measured at amortized cost, such as loans, receivables, and held-to-maturity debt securities. Under current U.S. generally accepted accounting principles, companies generally recognize credit losses when it is probable that the loss has been incurred. The revised guidance will remove all current loss recognition thresholds and will require companies to recognize an allowance for credit losses for the difference between the amortized cost basis of a financial instrument and the amount of amortized cost that the corporation expects to collect over the instrument’s contractual life. ASU

2016

-

13

also amends the credit loss measurement guidance for available-for-sale debt securities and beneficial interests in securitized financial assets. The guidance in ASU

2016

-

13

is effective for “public business entities,” as defined in the guidance, that are SEC filers for fiscal years and for interim periods within those fiscal years beginning after

December 15, 2019.

Early adoption of the guidance is permitted for fiscal years beginning after

December 15, 2018,

including interim periods within those fiscal years. However, during

July 2019,

FASB unanimously voted for a proposal to delay this ASU to

January 2023

for smaller reporting companies. While there is a

thirty

-day comment period starting in

August,

the proposed delay is widely expected to be adopted. Management is currently evaluating the impact of the adoption of this guidance on the Corporation’s consolidated financial statements and is in the midst of gathering critical data to evaluate the impact. However, it is too early to estimate the impact.

In

February 2016,

FASB issued ASU

2016

-

02,

Leases (Topic

842

). This ASU will require all organizations that lease assets to recognize on the balance sheet the assets and liabilities for the rights and obligations created by those leases. Additional qualitative and quantitative disclosures will be required so that users can understand more about the nature of an entity’s leasing activities. The new guidance is effective for annual reporting periods, and interim reporting periods within those annual periods, beginning after

December 15, 2018.

Early adoption is permitted. The Corporation has several lease agreements, such as branch locations, which are currently considered operating leases, and therefore,

not

recognized on the Corporation’s consolidated condensed statements of financial condition. The Corporation expects the new guidance to require these lease agreements to now be recognized on the consolidated condensed statements of financial condition as a right-of-use asset and a corresponding lease liability. Therefore, the Corporation’s preliminary evaluation indicates the provisions of ASU

No.

2016

-

02

are expected to impact the Corporation’s consolidated condensed statements of financial condition, along with our regulatory capital ratios. The definition of a lease and the cash flows required to be evaluated will change. Upon adoption of ASU

2016

-

02

on

July 1, 2019,

the Corporation expects to recognize right-of-use assets and related lease liabilities totaling approximately

$

582

.

Note 1 - Summary of Significant Accounting Policies (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]

	Year Ended June 30,
	201 9		201 8
Cash paid for interest	$	3,092	$	1,643
Cash paid for Federal income taxes		820		730
Non-cash transactions:
Transfer from loans to repossessed assets		—		—
Transfer from loans held for sale to portfolio		75		253
Issuance of treasury stock for stock awards		59		90
Expired and forfeited dividend reinvestment plan shares associated with restricted stock awards that were retired to treasury stock		—		4

Note 3 - Securities (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Marketable Securities [Table Text Block]

Available-for-sale	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
June 30, 201 9
Obligations of U.S. government-sponsored entities and agencies	$	19,227	$	287	$	(1	)	$	19,513
Obligations of state and political subdivisions		56,405		1,557		(33	)		57,929
U.S. Government-sponsored mortgage-backed securities - residential		56,309		450		(448	)		56,311
U.S. Government-sponsored collateralized mortgage obligations - residential		10,087		198		(28	)		10,257
Total available-for-sale securities	$	142,028	$	2,492	$	(510	)	$	144,010

Held-to-maturity	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value
June 30, 201 9
Obligations of state and political subdivisions	$	3,786	$	35	$	—	$	3,821
Total held-to-maturity securities	$	3,786	$	35	$	—	$	3,821

Available-for-sale	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
June 30, 201 8
Obligations of U.S. government-sponsored entities and agencies	$	16,488	$	6	$	(372	)	$	16,122
Obligations of state and political subdivisions		56,964		339		(713	)		56,590
U.S. Government-sponsored mortgage-backed securities - residential		65,062		6		(1,660	)		63,408
U.S. Government-sponsored mortgage-backed securities - commercial		1,432		—		(17	)		1,415
U.S. Government-sponsored collateralized mortgage obligations - residential		5,973		9		(216	)		5,766
Pooled trust preferred security		178		549		—			727
Total available-for-sale securities	$	146,097	$	909	$	(2,978	)	$	144,028

Held-to-maturity	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value
June 30, 201 8
Obligations of state and political subdivisions	$	4,024	$	24	$	—	$	4,048
Total held-to-maturity securities	$	4,024	$	24	$	—	$	4,048

Schedule of Realized Gain (Loss) [Table Text Block]

	201 9		201 8
Proceeds from sales	$	7,670	$	2,644
Gross realized gains		606		40
Gross realized losses		45		7

Investments Classified by Contractual Maturity Date [Table Text Block]

Available-for-sale	Amortized Cost		Fair Value
Due in one year or less	$	9,473	$	9,592
Due after one year through five years		15,700		15,969
Due after five years through ten years		21,774		22,179
Due after ten years		28,685		29,702
Total		75,632		77,442
U.S. Government-sponsored mortgage-backed and related securities		66,396		66,568
Total	$	142,028	$	144,010

Held-to-maturity	Amortized Cost		Fair Value
Due after five years through ten years	$	451	$	471
Due after ten years		3,335		3,350
Total	$	3,786	$	3,821

Schedule of Unrealized Loss on Investments [Table Text Block]

	Less than 12 Months				12 Months or more					Total
Available-for-sale	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
June 30, 201 9
Obligations of U.S. government-sponsored entities and agencies	$	—	$	—	$	998	$	(1	)	$	998	$	(1	)
Obligations of states and political subdivisions		—		—		5,201		(33	)		5,201		(33	)
Mortgage-backed securities - residential		—		—		36,362		(448	)		36,362		(448	)
Collateralized mortgage obligations - residential		—		—		3,277		(28	)		3,277		(28	)
Total temporarily impaired	$	—	$	—	$	45,838	$	(510	)	$	45,838	$	(510	)

	Less than 12 Months					12 Months or more					Total
Available-for-sale	Fair Value		Unrealized Loss			Fair Value		Unrealized Loss			Fair Value		Unrealized Loss

June 30, 201 8
Obligations of U.S. government-sponsored entities and agencies	$	12,400	$	(224	)	$	2,747	$	(148	)	$	15,147	$	(372	)
Obligations of states and political subdivisions		26,775		(369	)		7,975		(344	)		34,750		(713	)
Mortgage-backed securities - residential		31,038		(581	)		29,716		(1,079	)		60,754		(1,660	)
Mortgage-backed securities - commercial		1,415		(17	)		—		—			1,415		(17	)
Collateralized mortgage obligations - residential		—		—			4,821		(216	)		4,821		(216	)
Total temporarily impaired	$	71,628	$	(1,191	)	$	45,259	$	(1,787	)	$	116,887	$	(2,978	)

Note 4 - Loans (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	201 9			201 8
Commercial	$	80,453		$	60,995
Commercial real estate:
Construction		16,120			5,394
Other		195,269			183,383
1 – 4 Family residential real estate:
Owner occupied		55,941			47,433
Non-owner occupied		14,517			15,516
Construction		1,931			1,171
Consumer		5,150			4,873
Subtotal		369,381			318,765
Net deferred loan fees and costs		(206	)		(256	)
Allowance for loan losses		(3,788	)		(3,422	)
Net loans	$	365,387		$	315,087

Financing Receivable, Allowance for Credit Loss [Table Text Block]

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total

Allowance for loan losses:
Beginning balance	$	586	$	2,277		$	499		$	60		$	3,422
Provision for loan losses		74		(498	)		(28	)		12			(440	)
Loans charged-off		—		(80	)		—			(36	)		(116	)
Recoveries		—		876			23			23			922
Total ending allowance balance	$	660	$	2,575		$	494		$	59		$	3,788

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total

Allowance for loan losses:
Beginning balance	$	518	$	2,038		$	473		$	57		$	3,086
Provision for loan losses		51		202			45			12			310
Loans charged-off		—		(4	)		(33	)		(24	)		(61	)
Recoveries		17		41			14			15			87
Total ending allowance balance	$	586	$	2,277		$	499		$	60		$	3,422

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2	$	7	$	—	$	—	$	9
Collectively evaluated for impairment		658		2,568		494		59		3,779

Total ending allowance balance	$	660	$	2,575	$	494	$	59	$	3,788

Recorded investment in loans:
Loans individually evaluated for impairment	$	174	$	658	$	357	$	—	$	1,189
Loans collectively evaluated for impairment		80,413		210,709		72,591		5,164		368,877

Total ending loans balance	$	80,587	$	211,367	$	72,948	$	5,164	$	370,066

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	29	$	—	$	—	$	29
Collectively evaluated for impairment		586		2,248		499		60		3,393

Total ending allowance balance	$	586	$	2,277	$	499	$	60	$	3,422

Recorded investment in loans:
Loans individually evaluated for impairment	$	100	$	1,562	$	398	$	—	$	2,060
Loans collectively evaluated for impairment		60,979		187,191		64,135		4,876		317,181

Total ending loans balance	$	61,079	$	188,753	$	64,533	$	4,876	$	319,241

Impaired Financing Receivables [Table Text Block]

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized

With no related allowance recorded:
Commercial	$	—	$	—	$	—	$	86	$	6	$	6
Commercial real estate:
Other		580		436		—		1,051		28		28
1-4 Family residential real estate:
Owner occupied		124		93		—		97		—		—
Non-owner occupied		297		264		—		279		—		—
With an allowance recorded:
Commercial real estate:
Other		221		222		7		226		14		14
Commercial		173		174		2		44		2		2
Total	$	1,395	$	1,189	$	9	$	1,783	$	50	$	50

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized

With no related allowance recorded:
Commercial	$	100	$	100	$	—	$	111	$	5	$	5
Commercial real estate:
Other		1,330		1,330		—		1,102		17		17
1-4 Family residential real estate:
Owner occupied		101		101		—		71		—		—
Non-owner occupied		297		297		—		314		—		—
With an allowance recorded:
Commercial real estate:
Other		231		232		29		285		28		28
Total	$	2,059	$	2,060	$	29	$	1,883	$	50	$	50

Financing Receivable, Past Due [Table Text Block]

	June 30, 2019				June 30, 2018
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial real estate:
Other	$	436	$	—	$	702	$	—
1 – 4 Family residential:
Owner occupied		85		—		90		—
Non-owner occupied		264		—		298		—
Total	$	785	$	—	$	1,090	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	80,587	$	80,587
Commercial real estate:
Construction		—		—		—		—		16,075		16,075
Other		199		—		—		199		195,093		195,292
1-4 Family residential:
Owner occupied		40		—		80		120		56,347		56,467
Non-owner occupied		—		—		—		—		14,518		14,518
Construction		—		—		—		—		1,963		1,963
Consumer		1		—		—		1		5,163		5,164
Total	$	240	$	—	$	80	$	320	$	369,746	$	370,066

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	61,079	$	61,079
Commercial real estate:
Construction		—		—		—		—		5,386		5,386
Other		238		—		—		238		183,129		183,367
1-4 Family residential:
Owner occupied		11		—		80		91		47,738		47,829
Non-owner occupied		—		—		—		—		15,514		15,514
Construction		—		—		—		—		1,190		1,190
Consumer		7		—		—		7		4,869		4,876
Total	$	256	$	—	$	80	$	336	$	318,905	$	319,241

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

			Pre-Modification		Post-Modification
	Number of		Outstanding Recorded		Outstanding Recorded
	Loans		Investment		Investment
Commercial		1	$	38	$	176
Commercial real estate:
Other		1		161		59
Total		2	$	199	$	235

			Pre-Modification		Post-Modification
	Number of		Outstanding Recorded		Outstanding Recorded
	Loans		Investment		Investment
Commercial		2	$	518	$	518
Commercial real estate:
Other		1		512		512
Total		3	$	1,030	$	1,030

Financing Receivable Credit Quality Indicators [Table Text Block]

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	74,393	$	4,942	$	1,012	$	—	$	240
Commercial real estate:
Construction		16,075		—		—		—		—
Other		179,952		8,071		5,337		436		1,496
1-4 Family residential real estate:
Owner occupied		2,245		—		24		5		54,193
Non-owner occupied		13,413		205		318		263		319
Construction		—		—		—		—		1,963
Consumer		32		—		—		—		5,132
Total	$	286,110	$	13,218	$	6,691	$	704	$	63,343

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	59,214	$	288	$	1,162	$	—	$	415
Commercial real estate:
Construction		5,386		—		—		—		—
Other		172,471		7,061		1,878		702		1,255
1-4 Family residential real estate:
Owner occupied		2,577		—		27		11		45,214
Non-owner occupied		14,025		195		417		298		579
Construction		8		—		—		—		1,182
Consumer		93		—		—		—		4,783
Total	$	253,774	$	7,544	$	3,484	$	1,011	$	53,428

Note 5 - Premises and Equipment (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Property, Plant and Equipment [Table Text Block]

	201 9			201 8
Land	$	1,511		$	1,469
Land improvements		344			344
Building and leasehold improvements		13,013			12,636
Furniture, fixture and equipment		5,872			5,164
Total premises and equipment		20,740			19,613
Accumulated depreciation and amortization		(6,585	)		(6,298	)
Premises and equipment, net	$	14,155		$	13,315

Lessee, Operating Lease, Disclosure [Table Text Block]

Twelve Months Ending June 30
2020	$	109
2021		106
2022		96
2023		79
Thereafter		22
Total	$	412

Note 6 - Deposits (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Time Deposit Maturities [Table Text Block]

Twelve Months Ending June 30
2020	$	69,401
2021		29,840
2022		7,396
2023		4,873
2024		515
Thereafter		180
	$	112,205

Note 7 - Short-term Borrowings (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Short-term Debt [Table Text Block]

	201 9			201 8
Balance at June 30	$	3,686		$	13,367
Average balance during the year		3,521			24,422
Maximum month-end balance		3,975			28,621
Average interest rate during the year		1.45	%		0.98	%
Weighted average rate, June 30		1.39	%		1.02	%

Schedule of Repurchase Agreements [Table Text Block]

	Overnight and Continuous
	201 9		201 8
U.S. government-sponsored entities and agencies pledged	$	998	$	—
Residential mortgage-backed securities pledged		3,938		5,294
Total pledged	$	4,936	$	5,294
Repurchase agreements	$	3,686	$	4,486

Note 8 - Federal Home Loan Bank Advances (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]

							June 30, 201 9					June 30, 201 8
	Stated Interest Rate Range								Weighted Average					Weighted Average
Advance Type	From			To			Amount		Rate			Amount		Rate
Fixed rate, amortizing		—	%		—	%	$	—		—	%	$	56		4.30	%
Fixed rate		1.18			1.97			11,200		1.59			11,700		1.46
Variable rate		2.56			2.56			11,500		2.56			—		—

Schedule of Principal Payments [Table Text Block]

Twelve Months Ending June 30	Principal Payments
2020	$	13,000
2021		1,500
2022		1,700
2023		—
Thereafter		6,500
Total	$	22,700

Note 9 - Employee Benefit Plans (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Share-based Payment Arrangement, Restricted Stock Unit, Activity [Table Text Block]

	Restricted Stock Awards			Weighted-Average Grant Date Fair Value Per Share
Outstanding at June 30, 2018		2,062		$	21.00
Granted		4,201			23.40
Vested		(2,614	)		22.77
Non-vested at June 30, 2019		3,649		$	22.49

Note 10 - Income Taxes (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

	201 9		201 8
Current income taxes	$	840	$	687
Deferred income tax expense		173		114
Change in corporate tax rate		—		348
Total income tax expense	$	1,013	$	1,149

Schedule of Deferred Tax Assets and Liabilities [Table Text Block]

	201 9			201 8
Deferred tax assets:
Allowance for loan losses	$	701		$	632
Deferred compensation		616			514
Recognized loss on impairment of security		—			164
Deferred income		55			68
Non-accrual loan interest income		50			42
Other		7			—
Net unrealized securities loss		—			435
Gross deferred tax asset		1,429			1,855

Deferred tax liabilities:
Depreciation		(645	)		(489	)
Loan fees		(278	)		(238	)
FHLB stock dividends		(102	)		(102	)
Prepaid expenses		(42	)		(56	)
Net unrealized securities gain		(416	)		—
Gross deferred tax liabilities		(1,483	)		(885	)
Net deferred asset (liability)	$	(54	)	$	970

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]

	201 9			201 8
Income taxes computed at the statutory rate on pretax income	$	1,382		$	1,303
Tax exempt income		(319	)		(408	)
Cash surrender value income		(57	)		(75	)
Tax credit		(28	)		(27	)
Change in corporate tax rate		—			348
Other non-deductible expenses		35			8
Total income tax expense	$	1,013		$	1,149

Note 11 - Related Party Transactions (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Principal balance, July 1	$	11,138
New loans, net of refinancing		687
Repayments		(1,195	)
Changes due to changes in related parties		(68	)
Principal balance, June 30	$	10,562

Note 12 - Regulatory Matters (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

	Actual					Minimum Capital Required – Basel III (1)					Minimum Required To Be Considered Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 2019
Common equity Tier 1 to risk-weighted assets	$	48.0		11.68	%	$	18.5		4.50	%	$	26.7		6.50	%
Tier 1 capital to risk weighted assets		48.0		11.68			24.6		6.00			32.9		8.00
Total capital to risk weighted assets		51.8		12.60			32.9		8.00			41.1		10.00
Tier 1 capital to average assets		48.0		8.88			21.6		4.00			27.0		5.00

	Actual					Minimum Capital Required - Basel III (1)					Minimum Required To Be Considered Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 201 8
Common equity Tier 1 to risk-weighted assets	$	43.7		12.20	%	$	16.1		4.50	%	$	23.3		6.50	%
Tier 1 capital to risk weighted assets		43.7		12.20			21.5		6.00			28.7		8.00
Total capital to risk weighted assets		47.1		13.15			28.7		8.00			35.8		10.00
Tier 1 capital to average assets		43.7		8.74			20.0		4.00			25.0		5.00

Note 14 - Fair Value (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]

			Fair Value Measurements at June 30, 2019 Using
	Balance at June 30, 2019		Level 1		Level 2		Level 3
Assets:
Securities available-for-sale:
Obligations of government-sponsored entities	$	19,513	$	—	$	19,513	$	—
Obligations of states and political subdivisions		57,929		—		57,929		—
Mortgage-backed securities - residential		56,311		—		56,311		—
Collateralized mortgage obligations		10,257		—		10,257		—

			Fair Value Measurements at June 30, 2018 Using
	Balance at June 30, 2018		Level 1		Level 2		Level 3
Securities available-for-sale:
Obligations of government-sponsored entities	$	16,122	$	—	$	16,122	$	—
Obligations of states and political subdivisions		56,590		—		56,590		—
Mortgage-backed securities - residential		63,408		—		63,408		—
Mortgage-backed securities - commercial		1,415		—		1,415		—
Collateralized mortgage obligations		5,766		—		5,766		—
Pooled trust preferred security		727		—		727		—

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]

			Fair Value Measurements at June 30, 2019 Using
	Balance at June 30, 2019		Level 1		Level 2		Level 3
Impaired loans:
Commercial Real Estate - Other	$	59	$	—	$	—	$	59

Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]

	Fair Value		Valuation Technique	Unobservable Inputs		Range			Weighted Average
Impaired loans:
Commercial Real Estate – Other	$	59	Settlement Agreement		N/A		0.0	%		0.0	%

Fair Value, by Balance Sheet Grouping [Table Text Block]

	201 9				201 8
	Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Financial Assets:
Level 1 inputs:
Cash and cash equivalents	$	9,461	$	9,461	$	7,772	$	7,772
Level 2 inputs:
Certificates of deposits in other financial institutions		1,983		1,983		2,973		2,976
Loans held for sale		1,657		1,687		1,448		1,474
Accrued interest receivable		1,607		1,607		1,404		1,404
Level 3 inputs:
Securities held-to-maturity		3,786		3,821		4,024		4,048
Loans, net		365,387		366,911		315,087		311,642
Financial Liabilities:
Level 2 inputs:
Demand and savings deposits		359,969		359,969		351,422		351,422
Time deposits		112,205		112,841		78,541		78,332
Short-term borrowings		3,686		3,686		13,367		13,367
Federal Home Loan Bank advances		22,700		22,596		11,756		11,146
Accrued interest payable		132		132		68		68

Note 15 - Parent Company Financial Statements (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Condensed Balance Sheet [Table Text Block]

	June 30, 201 9		June 30, 201 8
Condensed Balance Sheets
Assets
Cash	$	38	$	46
Securities, available-for-sale		1,646		1,622
Other assets		75		73
Investment in subsidiary		49,545		42,089
Total assets	$	51,304	$	43,830
Liabilities
Other liabilities	$	138	$	69
Shareholders’ equity		51,166		43,761
Total liabilities & shareholders’ equity	$	51,304	$	43,830

Condensed Income Statement [Table Text Block]

	Year Ended June 30, 201 9			Year Ended June 30, 201 8
Condensed Statements of Income and Comprehensive Income
Cash dividends from Bank subsidiary	$	1,620		$	1,400
Other income		40			39
Other expense		408			222
Income before income taxes and equity in undistributed net income of subsidiary		1,252			1,217
Income tax benefit		(49	)		(52	)
Income before equity in undistributed net income of Bank subsidiary		1,301			1,269
Equity in undistributed net income of subsidiary		4,265			2,312
Net income	$	5,566		$	3,581
Comprehensive income	$	8,767		$	1,487

Condensed Cash Flow Statement [Table Text Block]

Condensed Statements of Cash Flows	Year Ended June 30, 201 9			Year Ended June 30, 201 8
Cash flows from operating activities
Net income	$	5,566		$	3,581
Equity in undistributed net income of Bank subsidiary		(4,265	)		(2,312	)
Securities amortization and accretion, net		(10	)		(10	)
Change in other assets and liabilities		63			12
Net cash flows from operating activities		1,354			1,271
Cash flows from financing activities
Dividend paid		(1,421	)		(1,351	)
Issuance of treasury stock for stock awards		59			90
Net cash flows from financing activities		(1,362	)		(1,261	)
Change in cash and cash equivalents		(8	)		10	)
Beginning cash and cash equivalents		46			36
Ending cash and cash equivalents	$	38		$	46

Note 16 - Earnings Per Share (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

	For the year Ended June 30,
	201 9		201 8
Basic:
Net income available to common shareholders	$	5,566	$	3,581
Weighted average common shares outstanding		2,731,247		2,726,926
Basic income per share	$	2.04	$	1.31

Diluted:
Net income available to common shareholders	$	5,566	$	3,581
Weighted average common shares outstanding		2,731,247		2,726,926
Dilutive effect of restricted stock		—		—
Total common shares and dilutive potential common shares		2,731,247		2,726,926
Dilutive income per share	$	2.04	$	1.31

Note 17 - Accumulated Other Comprehensive Income (Loss) (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]

	Pretax			Tax Effect			After-tax			Affected Line Item in Consolidated Statements of Income

Balance as of June 30, 2017	$	675		$	(230	)	$	445
Unrealized holding loss on available-for-sale securities arising during the period		(2,711	)		638			(2,073	)
Amounts reclassified from accumulated other comprehensive income		(33	)		12			(21	)	(a)(b)
Net current period other comprehensive loss		(2,744	)		650			(2,094	)
Reclassification of disproportional tax effect		—			14			14
Balance as of June 30, 2018	$	(2,069	)	$	434		$	(1,635	)
Unrealized holding gain on available-for-sale securities arising during the period		4,612			(968	)		3,644
Amounts reclassified from accumulated other comprehensive income		(561	)		118			(443	)	(a)(b)
Net current period other comprehensive income		4,051			(850	)		3,201
Balance as of June 30, 2019	$	1,982		$	(416	)	$	1,566

Note 18 - Revenue Recognition (Tables)

12 Months Ended

Jun. 30, 2019

Notes Tables

Disaggregation of Revenue [Table Text Block]

	For the year Ended June 30,
	2019		2018
Noninterest income
In scope of Topic 606:
Service charges on deposit accounts	$	1,264	$	1,200
Debit card interchange income		1,454		1,333
Other income		260		188

Noninterest income (in scope of Topic 606)		2,978	$	2,721
Noninterest income (out-of-scope of Topic 606)		1,290		670

Total noninterest income	$	4,268	$	3,391

Note 1 - Summary of Significant Accounting Policies (Details Textual) $ in Thousands	12 Months Ended
	Jun. 30, 2019 USD ($)	Jul. 01, 2019 USD ($)	Jun. 30, 2018 USD ($)
Number of Reportable Segments	1
Cash Reserve Deposit Required and Made Federal Reserve Banks	$ 456		$ 329
Bank Owned Life Insurance	19,806		19,776
Cash Surrender Value of Life Insurance	$ 9,606		$ 9,335
Accounting Standards Update 2016-02 [Member] \| Subsequent Event [Member]
Operating Lease, Right-of-Use Asset		$ 582
Operating Lease, Liability, Total		$ 582
Software and Software Development Costs [Member]
Property, Plant and Equipment, Useful Life	3 years
Building [Member]
Property, Plant and Equipment, Useful Life	39 years 182 days

Note 1 - Summary of Significant Accounting Policies - Additional Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Cash paid for interest	$ 3,092	$ 1,643
Cash paid for Federal income taxes	820	730
Transfer from loans to repossessed assets
Transfer from loans held for sale to portfolio	75	253
Issuance of treasury stock for stock awards	59	90
Expired and forfeited dividend reinvestment plan shares associated with restricted stock awards that were retired to treasury stock		$ 4

Note 2 - Acquisition (Details Textual) - Peoples Bancorp of Mt. Pleasant, Inc. [Member] - USD ($)	7 Months Ended
	Dec. 31, 2019	Jun. 13, 2019
Business Acquisition, Average Closing Share Price		$ 19.07
Business Acquisition, Aggregate Implied Transaction Value		$ 10,300,000
Forecast [Member]
Business Acquisition, Equity Interest Issued or Issuable to Each Shareholder, Number of Shares	63.16
Payments to Each Shareholder to Acquire Businesses, Gross	$ 1,200
Business Acquisition, Percentage of Total Consideration Transferred to be Paid in Common Shares	50.00%
Business Acquisition, Percentage of Total Consideration Transferred to be Paid in Cash	50.00%
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets, Total	$ 75,000,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans	53,100,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits	$ 65,700,000

Note 3 - Securities (Details Textual) $ in Thousands	12 Months Ended
Note 3 - Securities (Details Textual) $ in Thousands	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)
Available-for-sale Securities Income Tax Provision on Gross Realized Gains	$ 118	$ 12
Debt Securities, Available-for-sale, Restricted	$ 72,600	71,673
Available-for-sale, Qualitative Disclosure, Number of Positions	251
Held-to-maturity, Qualitative Disclosure, Number of Positions	3
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	71
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	71
Debt Securities, Held-to-maturity, Unrealized Loss Position, Number of Positions	0
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities, Total	$ 0	$ 0

Note 3 - Securities - Amortized Cost and Fair Value of Securities Available-for-sale and Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Available-for-sale securities, amortized cost	$ 142,028	$ 146,097
Available-for-sale securities, gross unrealized gains	2,492	909
Available-for-sale securities, gross unrealized losses	(510)	(2,978)
Available-for-sale securities, fair value	144,010	144,028
Held-to-maturity, amortized cost	3,786	4,024
Held-to-maturity, gross unrecognized gains	35	24
Held-to-maturity, gross unrecognized losses
Held-to-maturity, fair value	3,821	4,048
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale securities, amortized cost	19,227	16,488
Available-for-sale securities, gross unrealized gains	287	6
Available-for-sale securities, gross unrealized losses	(1)	(372)
Available-for-sale securities, fair value	19,513	16,122
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, amortized cost	56,405	56,964
Available-for-sale securities, gross unrealized gains	1,557	339
Available-for-sale securities, gross unrealized losses	(33)	(713)
Available-for-sale securities, fair value	57,929	56,590
Held-to-maturity, amortized cost	3,786	4,024
Held-to-maturity, gross unrecognized gains	35	24
Held-to-maturity, gross unrecognized losses
Held-to-maturity, fair value	3,821	4,048
Residential Mortgage Backed Securities [Member]
Available-for-sale securities, amortized cost	56,309	65,062
Available-for-sale securities, gross unrealized gains	450	6
Available-for-sale securities, gross unrealized losses	(448)	(1,660)
Available-for-sale securities, fair value	56,311	63,408
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, amortized cost	10,087	5,973
Available-for-sale securities, gross unrealized gains	198	9
Available-for-sale securities, gross unrealized losses	(28)	(216)
Available-for-sale securities, fair value	$ 10,257	5,766
Commercial Mortgage Backed Securities [Member]
Available-for-sale securities, amortized cost		1,432
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses		(17)
Available-for-sale securities, fair value		1,415
Pooled Trust Preferred Securities Subject to Mandatory Redemption [Member]
Available-for-sale securities, amortized cost		178
Available-for-sale securities, gross unrealized gains		549
Available-for-sale securities, gross unrealized losses
Available-for-sale securities, fair value		$ 727

Note 3 - Securities - Proceeds From Sales and Calls of Available-for-sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Proceeds from sales	$ 7,670	$ 2,644
Gross realized gains	606	40
Gross realized losses	$ 45	$ 7

Note 3 - Securities - Amortized Cost and Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$ 9,473
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value	9,592
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	15,700
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	15,969
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	21,774
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	22,179
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	28,685
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	29,702
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis	75,632
Available-for-sale Securities, Debt Maturities, Single Maturity Date	77,442
Available-for-sale Debt Securities, Amortized Cost Basis	142,028	$ 146,097
Securities, available-for-sale	144,010	144,028
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount	451
Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value	471
Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount	3,335
Held-to-maturity Securities, Debt Maturities, after Ten Years, Fair Value	3,350
Held-to-maturity Securities	3,786	4,024
Held-to-maturity Securities, Fair Value	3,821	$ 4,048
U.S. Government-sponsored Mortgage-backed and Related Securities [Member]
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	66,396
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	$ 66,568

Note 3 - Securities - Securities With Unrealized and Unrecognized Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		$ 71,628
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(1,191)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	45,838	45,259
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(510)	(1,787)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	45,838	116,887
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(510)	(2,978)
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		12,400
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(224)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	998	2,747
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1)	(148)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	998	15,147
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1)	(372)
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		26,775
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(369)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	5,201	7,975
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(33)	(344)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	5,201	34,750
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(33)	(713)
Residential Mortgage Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		31,038
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(581)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	36,362	29,716
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(448)	(1,079)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	36,362	60,754
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(448)	(1,660)
Collateralized Debt Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	3,277	4,821
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(28)	(216)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	3,277	4,821
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (28)	(216)
Commercial Mortgage Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		1,415
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(17)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		1,415
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss		$ (17)

Note 4 - Loans (Details Textual) xbrli-pure in Thousands, $ in Thousands	12 Months Ended
	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)
Interest Receivable	$ 891	$ 732
Financing Receivable, Nonaccrual	785	1,090
Financing Receivable, Troubled Debt Restructuring	725	1,269
Troubled Debt Restructuring, Debtor, Subsequent Periods, Contingent Payments, Amount, Total	9	29
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	0	175
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 80	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0
Threshold Amount of Loans Outstanding to Perform Credit Analysis	$ 100
Non-accrual Loans [Member]
Financing Receivable, Nonaccrual	507	761
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Nonaccrual	198	249
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Nonaccrual	$ 80	$ 80

Note 4 - Loans - Major Classifications (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2017
Loans Receivable, Gross	$ 369,381	$ 318,765
Net deferred loan fees and costs	(206)	(256)
Allowance for loan losses	(3,788)	(3,422)	$ (3,086)
Net loans	365,387	315,087
Commercial Portfolio Segment [Member]
Loans Receivable, Gross	80,453	60,995
Allowance for loan losses	(660)	(586)	(518)
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses	(2,575)	(2,277)	(2,038)
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans Receivable, Gross	16,120	5,394
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member]
Loans Receivable, Gross	195,269	183,383
Residential Portfolio Segment [Member]
Allowance for loan losses	(494)	(499)	(473)
Residential Portfolio Segment [Member] \| Construction Loans [Member]
Loans Receivable, Gross	1,931	1,171
Residential Portfolio Segment [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Loans Receivable, Gross	55,941	47,433
Residential Portfolio Segment [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Loans Receivable, Gross	14,517	15,516
Consumer Portfolio Segment [Member]
Loans Receivable, Gross	5,150	4,873
Allowance for loan losses	$ (59)	$ (60)	$ (57)

Note 4 - Loans - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Beginning balance	$ 3,422	$ 3,086
Provision for loan losses	(440)	310
Loans charged-off	(116)	(61)
Recoveries	922	87
Total ending allowance balance	3,788	3,422
Individually evaluated for impairment			$ 9	$ 29
Collectively evaluated for impairment			3,779	3,393
Total ending allowance balance	3,788	3,422	3,788	3,422
Loans individually evaluated for impairment			1,189	2,060
Loans collectively evaluated for impairment			368,877	317,181
Total ending loans balance			370,066	319,241
Commercial Portfolio Segment [Member]
Beginning balance	586	518
Provision for loan losses	74	51
Loans charged-off
Recoveries		17
Total ending allowance balance	660	586
Individually evaluated for impairment			2
Collectively evaluated for impairment			658	586
Total ending allowance balance	586	586	660	586
Loans individually evaluated for impairment			174	100
Loans collectively evaluated for impairment			80,413	60,979
Total ending loans balance			80,587	61,079
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	2,277	2,038
Provision for loan losses	(498)	202
Loans charged-off	(80)	(4)
Recoveries	876	41
Total ending allowance balance	2,575	2,277
Individually evaluated for impairment			7	29
Collectively evaluated for impairment			2,568	2,248
Total ending allowance balance	2,277	2,277	2,575	2,277
Loans individually evaluated for impairment			658	1,562
Loans collectively evaluated for impairment			210,709	187,191
Total ending loans balance			211,367	188,753
Residential Portfolio Segment [Member]
Beginning balance	499	473
Provision for loan losses	(28)	45
Loans charged-off		(33)
Recoveries	23	14
Total ending allowance balance	494	499
Individually evaluated for impairment
Collectively evaluated for impairment			494	499
Total ending allowance balance	499	499	494	499
Loans individually evaluated for impairment			357	398
Loans collectively evaluated for impairment			72,591	64,135
Total ending loans balance			72,948	64,533
Consumer Portfolio Segment [Member]
Beginning balance	60	57
Provision for loan losses	12	12
Loans charged-off	(36)	(24)
Recoveries	23	15
Total ending allowance balance	59	60
Individually evaluated for impairment
Collectively evaluated for impairment			59	60
Total ending allowance balance	$ 60	$ 60	59	60
Loans individually evaluated for impairment
Loans collectively evaluated for impairment			5,164	4,876
Total ending loans balance			$ 5,164	$ 4,876

Note 4 - Loans - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Impaired Financing Receivable, Related Allowance	$ 9	$ 29
Impaired Financing Receivable, Unpaid Principal Balance	1,395	2,059
Impaired Financing Receivable, Recorded Investment, Total	1,189	2,060
Impaired Financing Receivable, Average Recorded Investment	1,783	1,883
Impaired Financing Receivable, Interest Income, Accrual Method	50	50
Impaired Financing Receivable, Interest Income, Cash Basis Method	50	50
Commercial Portfolio Segment [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance		100
Impaired Financing Receivable, with No Related Allowance, Recorded Investment		100
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	86	111
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	6	5
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	6	5
Commercial Real Estate Portfolio Segment [Member]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	173
Impaired Financing Receivable, with Related Allowance, Recorded Investment	174
Impaired Financing Receivable, Related Allowance	2
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	44
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	2
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	2
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	580	1,330
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	436	1,330
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	1,051	1,102
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	28	17
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	28	17
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	221	231
Impaired Financing Receivable, with Related Allowance, Recorded Investment	222	232
Impaired Financing Receivable, Related Allowance	7	29
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	226	285
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	14	28
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	14	28
Residential Portfolio Segment [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	124	101
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	93	101
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	97	71
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method
Residential Portfolio Segment [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	297	297
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	264	297
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	279	314
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method

Note 4 - Loans - Loans Past Due (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 785	$ 1,090
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing
Financing Receivable, Recorded Investment, Past Due	320	336
Financing Receivable, Recorded Investment, Not Past Due	369,746	318,905
Financing Receivable, Recorded Investment, Total	370,066	319,241
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	198	249
Financing Receivable, Recorded Investment, Past Due	240	256
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	80	80
Financing Receivable, Recorded Investment, Past Due	80	80
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Total	211,367	188,753
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	436	702
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing
Financing Receivable, Recorded Investment, Past Due	199	238
Financing Receivable, Recorded Investment, Not Past Due	195,093	183,129
Financing Receivable, Recorded Investment, Total	195,292	183,367
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due	199	238
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due
Financing Receivable, Recorded Investment, Not Past Due	16,075	5,386
Financing Receivable, Recorded Investment, Total	16,075	5,386
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due
Financing Receivable, Recorded Investment, Not Past Due	80,587	61,079
Financing Receivable, Recorded Investment, Total	80,587	61,079
Commercial Portfolio Segment [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Portfolio Segment [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Commercial Portfolio Segment [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Total	72,948	64,533
Residential Portfolio Segment [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	85	90
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing
Financing Receivable, Recorded Investment, Past Due	120	91
Financing Receivable, Recorded Investment, Not Past Due	56,347	47,738
Financing Receivable, Recorded Investment, Total	56,467	47,829
Residential Portfolio Segment [Member] \| Residential Real Estate Owner Occupied Loans [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due	40	11
Residential Portfolio Segment [Member] \| Residential Real Estate Owner Occupied Loans [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member] \| Residential Real Estate Owner Occupied Loans [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due	80	80
Residential Portfolio Segment [Member] \| Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due
Financing Receivable, Recorded Investment, Not Past Due	1,963	1,190
Financing Receivable, Recorded Investment, Total	1,963	1,190
Residential Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	264	298
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing
Financing Receivable, Recorded Investment, Past Due
Financing Receivable, Recorded Investment, Not Past Due	14,518	15,514
Financing Receivable, Recorded Investment, Total	14,518	15,514
Residential Portfolio Segment [Member] \| Residential Real Estate Non-owner Occupied Loans [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member] \| Residential Real Estate Non-owner Occupied Loans [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Residential Portfolio Segment [Member] \| Residential Real Estate Non-owner Occupied Loans [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due	1	7
Financing Receivable, Recorded Investment, Not Past Due	5,163	4,869
Financing Receivable, Recorded Investment, Total	5,164	4,876
Consumer Portfolio Segment [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due	1	7
Consumer Portfolio Segment [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due
Consumer Portfolio Segment [Member] \| Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due

Note 4 - Loans - Loans by Class Modified as Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)
Number of Contracts	2	3
Pre-Modification Outstanding Recorded Investment	$ 199	$ 1,030
Post-Modification Outstanding Recorded Investment	$ 235	$ 1,030
Commercial Portfolio Segment [Member]
Number of Contracts	1	2
Pre-Modification Outstanding Recorded Investment	$ 38	$ 518
Post-Modification Outstanding Recorded Investment	$ 176	$ 518
Commercial Real Estate Portfolio Segment [Member] \| Other Commercial Real Estate Loans [Member]
Number of Contracts	1	1
Pre-Modification Outstanding Recorded Investment	$ 161	$ 512
Post-Modification Outstanding Recorded Investment	$ 59	$ 512

Note 4 - Loans - Recorded Investment by Risk Category (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Pass [Member]
Financing Receivable, Net	$ 286,110	$ 253,774
Special Mention [Member]
Financing Receivable, Net	13,218	7,544
Substandard [Member]
Financing Receivable, Net	6,691	3,484
Doubtful [Member]
Financing Receivable, Net	704	1,011
Not Rated [Member]
Financing Receivable, Net	63,343	53,428
Commercial Portfolio Segment [Member] \| Pass [Member]
Financing Receivable, Net	74,393	59,214
Commercial Portfolio Segment [Member] \| Special Mention [Member]
Financing Receivable, Net	4,942	288
Commercial Portfolio Segment [Member] \| Substandard [Member]
Financing Receivable, Net	1,012	1,162
Commercial Portfolio Segment [Member] \| Doubtful [Member]
Financing Receivable, Net
Commercial Portfolio Segment [Member] \| Not Rated [Member]
Financing Receivable, Net	240	415
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| Construction Loans [Member]
Financing Receivable, Net	16,075	5,386
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	179,952	172,471
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| Construction Loans [Member]
Financing Receivable, Net
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	8,071	7,061
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| Construction Loans [Member]
Financing Receivable, Net
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	5,337	1,878
Commercial Real Estate Portfolio Segment [Member] \| Doubtful [Member] \| Construction Loans [Member]
Financing Receivable, Net
Commercial Real Estate Portfolio Segment [Member] \| Doubtful [Member] \| Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	436	702
Commercial Real Estate Portfolio Segment [Member] \| Not Rated [Member] \| Construction Loans [Member]
Financing Receivable, Net
Commercial Real Estate Portfolio Segment [Member] \| Not Rated [Member] \| Other Commercial Real Estate Loans [Member]
Financing Receivable, Net	1,496	1,255
Residential Portfolio Segment [Member] \| Pass [Member] \| Construction Loans [Member]
Financing Receivable, Net		8
Residential Portfolio Segment [Member] \| Pass [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	2,245	2,577
Residential Portfolio Segment [Member] \| Pass [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	13,413	14,025
Residential Portfolio Segment [Member] \| Special Mention [Member] \| Construction Loans [Member]
Financing Receivable, Net
Residential Portfolio Segment [Member] \| Special Mention [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net
Residential Portfolio Segment [Member] \| Special Mention [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	205	195
Residential Portfolio Segment [Member] \| Substandard [Member] \| Construction Loans [Member]
Financing Receivable, Net
Residential Portfolio Segment [Member] \| Substandard [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	24	27
Residential Portfolio Segment [Member] \| Substandard [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	318	417
Residential Portfolio Segment [Member] \| Doubtful [Member] \| Construction Loans [Member]
Financing Receivable, Net
Residential Portfolio Segment [Member] \| Doubtful [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	5	11
Residential Portfolio Segment [Member] \| Doubtful [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	263	298
Residential Portfolio Segment [Member] \| Not Rated [Member] \| Construction Loans [Member]
Financing Receivable, Net	1,963	1,182
Residential Portfolio Segment [Member] \| Not Rated [Member] \| Residential Real Estate Owner Occupied Loans [Member]
Financing Receivable, Net	54,193	45,214
Residential Portfolio Segment [Member] \| Not Rated [Member] \| Residential Real Estate Non-owner Occupied Loans [Member]
Financing Receivable, Net	319	579
Consumer Portfolio Segment [Member] \| Pass [Member]
Financing Receivable, Net	32	93
Consumer Portfolio Segment [Member] \| Special Mention [Member]
Financing Receivable, Net
Consumer Portfolio Segment [Member] \| Substandard [Member]
Financing Receivable, Net
Consumer Portfolio Segment [Member] \| Doubtful [Member]
Financing Receivable, Net
Consumer Portfolio Segment [Member] \| Not Rated [Member]
Financing Receivable, Net	$ 5,132	$ 4,783

Note 5 - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Depreciation, Total	$ 797	$ 771
Operating Leases, Rent Expense, Total	$ 159	$ 159

Note 5 - Premises and Equipment - Major Classifications of Premises and Equipment (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Premises and equipment, gross	$ 20,740	$ 19,613
Accumulated depreciation and amortization	(6,585)	(6,298)
Premises and equipment, net	14,155	13,315
Land [Member]
Premises and equipment, gross	1,511	1,469
Land Improvements [Member]
Premises and equipment, gross	344	344
Building And Leasehold Improvements [Member]
Premises and equipment, gross	13,013	12,636
Furniture and Fixtures [Member]
Premises and equipment, gross	$ 5,872	$ 5,164

Note 5 - Premises and Equipment - Minimum Annual Rentals and Commitments (Details) $ in Thousands	Jun. 30, 2019 USD ($)
2020	$ 109
2021	106
2022	96
2023	79
Thereafter	22
Total	$ 412

Note 6 - Deposits (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Time Deposits Minimum Denomination	$ 250
Time Deposits, at or Above FDIC Insurance Limit	$ 39,034	$ 23,018

Note 6 - Deposits - Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
2020	$ 69,401
2021	29,840
2022	7,396
2023	4,873
2024	515
Thereafter	180
Total	$ 112,205	$ 78,541

Note 7 - Short-term Borrowings (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Interest Expense, Short-term Borrowings, Total	$ 51	$ 240

Note 7 - Short-term Borrowings - Summary of Short-term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Short-term borrowings	$ 3,686	$ 13,367
Average balance during the year	3,521	24,422
Maximum month-end balance	$ 3,975	$ 28,621
Average interest rate during the year	1.45%	0.98%
Weighted average rate, June 30	1.39%	1.02%

Note 7 - Short-term Borrowings - Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Pledged Financial Instruments, Securities for Repurchase Agreements	$ 4,936	$ 5,294
Repurchase Agreements	3,686	4,486
US Government-sponsored Enterprises Debt Securities [Member]
Pledged Financial Instruments, Securities for Repurchase Agreements	998
Residential Mortgage Backed Securities [Member]
Pledged Financial Instruments, Securities for Repurchase Agreements	$ 3,938	$ 5,294

Note 8 - Federal Home Loan Bank Advances (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Prepayment Penalty for Advances Received, Percentage of Lost Cash Flow	100.00%
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	$ 23,283
First Mortgage Loans [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 61,812	$ 53,572

Note 8 - Federal Home Loan Bank Advances - Summary of Federal Home Loan Bank (FHLB) Advances (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
FHLB advance amount	$ 22,700
Fixed Rate Amortizing FHLB Advances [Member]
FHLB advance amount		$ 56
Weighted average rate		4.30%
Fixed Rate Amortizing FHLB Advances [Member] \| Minimum [Member]
Stated Interest rate range
Fixed Rate Amortizing FHLB Advances [Member] \| Maximum [Member]
Stated Interest rate range
Fixed Rate FHLB Advances [Member]
FHLB advance amount	$ 11,200	$ 11,700
Weighted average rate	1.59%	1.46%
Fixed Rate FHLB Advances [Member] \| Minimum [Member]
Stated Interest rate range	1.18%
Fixed Rate FHLB Advances [Member] \| Maximum [Member]
Stated Interest rate range	1.97%
Variable Rate FHLB Advances [Member]
Stated Interest rate range	2.56%
FHLB advance amount	$ 11,500
Weighted average rate	2.56%

Note 8 - Federal Home Loan Bank Advances - Summary of the Scheduled Principal Payments (Details) $ in Millions	Jun. 30, 2019 USD ($)
2020	$ 13.0
2021	1.5
2022	1.7
2023
Thereafter	6.5
Total	$ 22.7

Note 9 - Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage	100.00%
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	4.00%
Defined Contribution Plan, Cost	$ 236	$ 206
Defined Benefit Plan, Accumulated Benefit Obligation	$ 2,475	$ 2,321
Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate	4.50%	4.50%
Defined Benefit Plan, Other Cost (Credit)	$ 230	$ 225
Defined Benefit Plan, Plan Assets, Contributions by Employer	76	56
Restricted Stock [Member]
Share-based Payment Arrangement, Expense	74	$ 101
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount, Total	$ 57
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition	3 years
Share-based Payment Arrangement, Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage	25.00%
Share-based Payment Arrangement, Tranche Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage	25.00%
Share-based Payment Arrangement, Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage	25.00%
Share-based Payment Arrangement, Tranche Four[Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage	25.00%
Share-based Payment Arrangement, Tranche Two, Three and Tour[Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years

Note 9 - Employee Benefit Plans - Summary of the Restricted Stock Awards (Details) - Restricted Stock [Member]	12 Months Ended
	Jun. 30, 2019 $ / shares shares
Restricted Stock Awards, Outstanding, Beginning Balance (in shares) \| shares	2,062
Weighted-Average Grant Date Fair Value Per Share, Outstanding at Beginning Period (in dollars per share) \| $ / shares	$ 21
Restricted Stock Awards, Granted (in shares) \| shares	4,201
Weighted-Average Grant Date Fair Value Per Share, Granted (in dollars per share) \| $ / shares	$ 23.40
Restricted Stock Awards, Vested (in shares) \| shares	(2,614)
Weighted-Average Grant Date Fair Value Per Share, Vested (in dollars per share) \| $ / shares	$ 22.77
Restricted Stock Awards, Outstanding, Ending Balance (in shares) \| shares	3,649
Weighted-Average Grant Date Fair Value Per Share, Outstanding at Ending Period (in dollars per share) \| $ / shares	$ 22.49

Note 10 - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	27.55%
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability		$ 348
Effective Income Tax Rate Reconciliation, Percent, Total	15.40%	24.30%
Unrecognized Tax Benefits, Ending Balance	$ 0	$ 0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense, Total	0	0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued, Total	$ 0	$ 0

Note 10 - Income Taxes - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Current income taxes	$ 840	$ 687
Deferred income tax expense	173	114
Change in corporate tax rate		348
Total income tax expense	$ 1,013	$ 1,149

Note 10 - Income Taxes - Net Deferred Income Tax Asset (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Allowance for loan losses	$ 701	$ 632
Deferred compensation	616	514
Recognized loss on impairment of security		164
Deferred income	55	68
Non-accrual loan interest income	50	42
Other	7
Net unrealized securities loss		435
Gross deferred tax asset	1,429	1,855
Depreciation	(645)	(489)
Loan fees	(278)	(238)
FHLB stock dividends	(102)	(102)
Prepaid expenses	(42)	(56)
Net unrealized securities gain	(416)
Gross deferred tax liabilities	(1,483)	(885)
Net deferred liability	$ (54)
Net deferred asset		$ 970

Note 10 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Income taxes computed at the statutory rate on pretax income	$ 1,382	$ 1,303
Tax exempt income	(319)	(408)
Cash surrender value income	(57)	(75)
Tax credit	(28)	(27)
Change in corporate tax rate		348
Other non-deductible expenses	35	8
Total income tax expense	$ 1,013	$ 1,149

Note 11 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Executive Officers, Directors and Their Affiliates [Member]
Related Party Deposit Liabilities	$ 3,800	$ 5,897

Note 11 - Related Party Transactions - Loans to Related Parties (Details) - Executive Officers, Directors and Their Affiliates [Member] $ in Thousands	12 Months Ended
	Jun. 30, 2019 USD ($)
Principal balance	$ 11,138
New loans, net of refinancing	687
Repayments	(1,195)
Changes due to changes in related parties	(68)
Principal balance	$ 10,562

Note 12 - Regulatory Matters (Details Textual) - USD ($)	Jan. 01, 2019	Jan. 01, 2016	Jun. 30, 2019	Jun. 30, 2018
Percentage of Capital Implementation	2.50%	0.625%
Capital Conservation Buffer			2.50%	1.875%
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval			$ 7,286

Note 12 - Regulatory Matters - Schedule of Compliance With Regulatory Capital Requirements Under Banking Regulations (Details) - USD ($)

Jun. 30, 2019

Jun. 30, 2018

Common Equity Tier One Risk Based Capital

$ 48,000

$ 43,700

Common Equity Tier One Risk Based Capital to Risk Weighted Assets

11.68%

12.20%

Common Equity Tier One Risk Based Capital Required for Capital Adequacy

$ 18,500

^[1]

$ 16,100

Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets

4.50%

^[1]

4.50%

Common Equity Tier One Risk Based Capital Required to be Well Capitalized

$ 26,700

$ 23,300

Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets

6.50%

Tier One Risk Based Capital

$ 48,000

$ 43,700

Tier 1 capital to risk weighted assets Bank

11.68%

12.20%

Tier One Risk Based Capital Required for Capital Adequacy

^[1]

$ 24,600

$ 21,500

Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets

^[1]

6.00%

Tier One Risk Based Capital Required to be Well Capitalized

$ 32,900

$ 28,700

Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets

8.00%

Capital

$ 51,800

$ 47,100

Capital to Risk Weighted Assets

12.60%

13.15%

Capital Required for Capital Adequacy

^[1]

$ 32,900

$ 28,700

Capital Required for Capital Adequacy to Risk Weighted Assets

^[1]

8.00%

Capital Required to be Well Capitalized

$ 41,100

$ 35,800

Capital Required to be Well Capitalized to Risk Weighted Assets

10.00%

Tier One Leverage Capital

$ 48,000

$ 43,700

Tier One Leverage Capital to Average Assets

8.88%

8.74%

Tier One Leverage Capital Required for Capital Adequacy

^[1]

$ 21,600

$ 20,000

Tier One Leverage Capital Required for Capital Adequacy to Average Assets

^[1]

4.00%

Tier One Leverage Capital Required to be Well Capitalized

$ 27,000

$ 25,000

Tier One Leverage Capital Required to be Well Capitalized to Average Assets

5.00%

[1]	These amounts exclude the capital conservation buffer.

Note 13 - Commitments With Off-balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 83,702	$ 62,764
Loans and Leases Receivable, Commitments, Variable Rates	67,722	53,082
Loans and Leases Receivable, Commitments, Fixed Rates	15,980	9,682
Commitments to Extend Credit [Member]
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability	8,840	8,493
Financial Standby Letter of Credit [Member]
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability	$ 2,563	$ 1,090
Minimum [Member]
Loans and Leases Receivable Commitments Fixed Rates Percentage	3.50%	3.375%
Maximum [Member]
Loans and Leases Receivable Commitments Fixed Rates Percentage	6.75%	6.50%

Note 14 - Fair Value (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Impaired Financing Receivable, Related Allowance	$ 9	$ 29
Impaired Financing Receivable, Recorded Investment, Total	1,189	2,060
Other Real Estate Owned, Fair Value Disclosure	0	0
Collateral Dependent Loans [Member]
Impaired Financing Receivable, Related Allowance	0
Fair Value, Nonrecurring [Member]
Assets, Fair Value Disclosure		0
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	59
Impaired Financing Receivable, Recorded Investment, Total		0
Fair Value, Nonrecurring [Member] \| Impaired Loans [Member]
Allowance for Loan and Lease Losses, Period Increase (Decrease), Total	$ 80	$ (17)

Note 14 - Fair Value - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Securities, available-for-sale	$ 144,010	$ 144,028
US Government-sponsored Enterprises Debt Securities [Member]
Securities, available-for-sale	19,513	16,122
US Government-sponsored Enterprises Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale
US Government-sponsored Enterprises Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	19,513	16,122
US Government-sponsored Enterprises Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale
US States and Political Subdivisions Debt Securities [Member]
Securities, available-for-sale	57,929	56,590
US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale
US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	57,929	56,590
US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale
Residential Mortgage Backed Securities [Member]
Securities, available-for-sale	56,311	63,408
Residential Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale
Residential Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	56,311	63,408
Residential Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale
Commercial Mortgage Backed Securities [Member]
Securities, available-for-sale		1,415
Commercial Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale
Commercial Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale		1,415
Commercial Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale
Collateralized Debt Obligations [Member]
Securities, available-for-sale	10,257	5,766
Collateralized Debt Obligations [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale
Collateralized Debt Obligations [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale	10,257	5,766
Collateralized Debt Obligations [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale
Pooled Trust Preferred Securities Subject to Mandatory Redemption [Member]
Securities, available-for-sale		727
Pooled Trust Preferred Securities Subject to Mandatory Redemption [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities, available-for-sale
Pooled Trust Preferred Securities Subject to Mandatory Redemption [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities, available-for-sale		727
Pooled Trust Preferred Securities Subject to Mandatory Redemption [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities, available-for-sale

Note 14 - Fair Value - Financial Assets and Liabilities Measured at Fair Value on a Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Assets, Fair Value Disclosure		$ 0
Commercial Real Estate - Other [Member]
Assets, Fair Value Disclosure	$ 59
Commercial Real Estate - Other [Member] \| Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure
Commercial Real Estate - Other [Member] \| Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure
Commercial Real Estate - Other [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure	$ 59

Note 14 - Fair Value - Quantitative Information About Level 3 Fair Value Measurements (Details) - Commercial Real Estate - Other [Member] - Bid Indications [Member] $ in Thousands	Jun. 30, 2019 USD ($)
Assets, Fair Value Disclosure	$ 59
Measurement Input, Discount Rate [Member]
Discount Rate	0
Measurement Input, Discount Rate [Member] \| Weighted Average [Member]
Discount Rate	0

Note 14 - Fair Value - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018
Held-to-maturity, fair value	$ 3,821	$ 4,048
Fair Value, Inputs, Level 1 [Member] \| Reported Value Measurement [Member]
Cash and cash equivalents	9,461	7,772
Fair Value, Inputs, Level 1 [Member] \| Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	9,461	7,772
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member]
Certificates of deposits in other financial institutions	1,983	2,973
Loans held for sale	1,657	1,448
Accrued interest receivable	1,607	1,404
Short-term borrowings	3,686	13,367
Federal Home Loan Bank advances	22,700	11,756
Accrued interest payable	132	68
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Demand and Savings Deposits [Member]
Demand and savings deposits	359,969	351,422
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Time Deposits [Member]
Demand and savings deposits	112,205	78,541
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member]
Certificates of deposits in other financial institutions	1,983	2,976
Loans held for sale	1,687	1,474
Accrued interest receivable	1,607	1,404
Short-term borrowings	3,686	13,367
Federal Home Loan Bank advances	22,596	11,146
Accrued interest payable	132	68
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Demand and Savings Deposits [Member]
Demand and savings deposits	359,969	351,422
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Time Deposits [Member]
Demand and savings deposits	112,841	78,332
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member]
Held-to-maturity, fair value	3,786	4,024
Loans, net	365,387	315,087
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member]
Held-to-maturity, fair value	3,821	4,048
Loans, net	$ 366,911	$ 311,642

Note 15 - Parent Company Financial Statements - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2017
Available-for-sale securities, fair value	$ 144,010	$ 144,028
Total assets	553,936	502,619
Shareholders’ equity	51,166	43,761	$ 43,535
Total liabilities & shareholders’ equity	553,936	502,619
Parent Company [Member]
Cash	38	46
Available-for-sale securities, fair value	1,646	1,622
Other assets	75	73
Investment in subsidiary	49,545	42,089
Total assets	51,304	43,830
Other liabilities	138	69
Shareholders’ equity	51,166	43,761
Total liabilities & shareholders’ equity	$ 51,304	$ 43,830

Note 15 - Parent Company Financial Statements - Condensed Statements of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Income before income taxes and equity in undistributed net income of subsidiary	$ 6,579	$ 4,730
Income tax benefit	1,013	1,149
Net income	5,566	3,581
Comprehensive income	8,767	1,487
Parent Company [Member]
Cash dividends from Bank subsidiary	1,620	1,400
Other income	40	39
Other expense	408	222
Income before income taxes and equity in undistributed net income of subsidiary	1,252	1,217
Income tax benefit	(49)	(52)
Income before equity in undistributed net income of Bank subsidiary	1,301	1,269
Equity in undistributed net income of subsidiary	4,265	2,312
Net income	5,566	3,581
Comprehensive income	$ 8,767	$ 1,487

Note 15 - Parent Company Financial Statements - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Net income	$ 5,566	$ 3,581
Securities amortization and accretion, net	784	963
Net cash flows from operating activities	6,386	5,851
Net cash flows from financing activities	42,053	42,958
Change in cash and cash equivalents	1,689	(2,140)
Cash and cash equivalents, beginning of year	7,772	9,912
Cash and cash equivalents, end of year	9,461	7,772
Parent Company [Member]
Net income	5,566	3,581
Equity in undistributed net income of Bank subsidiary	(4,265)	(2,312)
Securities amortization and accretion, net	(10)	(10)
Change in other assets and liabilities	63	12
Net cash flows from operating activities	1,354	1,271
Dividend paid	(1,421)	(1,351)
Issuance of treasury stock for stock awards	59	90
Net cash flows from financing activities	(1,362)	(1,261)
Change in cash and cash equivalents	(8)	10
Cash and cash equivalents, beginning of year	46	36
Cash and cash equivalents, end of year	$ 38	$ 46

Note 16 - Earnings Per Share (Details Textual) - shares shares in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,103	1,828

Note 16 - Earnings Per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Net income available to common shareholders	$ 5,566	$ 3,581
Weighted average common shares outstanding (in shares)	2,731,247	2,726,926
Basic income per share (in dollars per share)	$ 2.04	$ 1.31
Net income available to common shareholders	$ 5,566	$ 3,581
Weighted average common shares outstanding (in shares)	2,731,247	2,726,926
Dilutive effect of restricted stock (in shares)
Total common shares and dilutive potential common shares (in shares)	2,731,247	2,726,926
Dilutive income per share (in dollars per share)	$ 2.04	$ 1.31

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

+ References

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+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
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+ Details

Note 17 - Accumulated Other Comprehensive Income (Loss) - Components of Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands

12 Months Ended

Jun. 30, 2019

Jun. 30, 2018

Accumulated other comprehensive income (loss), before tax

$ (2,069)

$ 675

Unrealized holding gain on available-for-sale securities arising during the period, before tax

4,612

(2,711)

Amounts reclassified from accumulated other comprehensive income, before tax

^[1],[2]

(561)

(33)

Net current period other comprehensive income (loss), before tax

4,051

(2,744)

Accumulated other comprehensive income (loss), before tax

1,982

(2,069)

Accumulated other comprehensive income (loss), tax

434

(230)

Unrealized holding loss on available-for-sale securities arising during the period, tax

(968)

638

Amounts reclassified from accumulated other comprehensive income, tax

^[1],[2]

118

12

Net current period other comprehensive income (loss), tax

(850)

650

Accumulated other comprehensive income (loss), tax, reclassification of disproportional tax effect

14

Accumulated other comprehensive income (loss), tax, before reclassification of disproportional tax effect

(416)

Accumulated other comprehensive income (loss), net

(1,635)

445

Unrealized holding gain (loss) on available-for-sale securities arising during the period, net

3,644

(2,073)

Amounts reclassified from accumulated other comprehensive income, net

^[1],[2]

(443)

(21)

Other comprehensive income (loss)

3,201

(2,094)

Accumulated other comprehensive income (loss), net, reclassification of disproportional tax effect

$ 1,566

$ 14

[1]	Income tax expense
[2]	Securities gain, net

Note 18 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Noninterest income (in scope of Topic 606)	$ 2,978	$ 2,721
Noninterest income	4,268	3,391
Deposit Account [Member]
Noninterest income (in scope of Topic 606)	1,264	1,200
Debit Card [Member]
Noninterest income (in scope of Topic 606)	1,454	1,333
Financial Service, Other [Member]
Noninterest income (in scope of Topic 606)	260	188
Product and Service, Out of Scope of ASC 606 [Member]
Noninterest income	$ 1,290	$ 670