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INCOME TAXES - SCHEDULE OF NET DEFERRED TAX ASSET (Details) - USD ($)
$ in Thousands
Jun. 30, 2024
Jun. 30, 2023
Deferred tax assets:    
Allowance for credit losses $ 96,275 $ 64,655
Lease liability 21,400 22,654
Accrued compensation 9,783 7,564
Stock-based compensation expense 8,282 6,980
Litigation accrual 5,324 5,206
Nonaccrual loan interest income 9,034 4,962
Unrealized net losses on securities 1,079 2,730
Net operating loss carryforward 1,160 1,484
State taxes 4,282 1,064
Securities impaired 273 267
Total deferred tax assets 156,892 117,566
Deferred tax liabilities:    
Basis difference in acquired loans (78,034) 0
Operating lease right-of-use asset (19,406) (20,681)
Depreciation and amortization (4,679) (7,533)
Other assets—prepaids (2,183) (2,342)
FHLB stock dividend (852) (833)
Total deferred tax liabilities (105,154) (31,389)
Net deferred tax asset 51,738 86,177
Valuation allowance (70) (277)
Net deferred tax asset, net of valuation allowance $ 51,668 $ 85,900