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LOANS & ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE FOR LOAN LOSS BY PORTFOLIO CLASS (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Mar. 31, 2024 | Mar. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | $ 251,749 | $ 157,218 | $ 166,680 | $ 148,617
Allowance for credit losses at acquisition of PCD loans | 0 |  | 70,097 |
Provision (benefit) for credit losses - loans | 6,000 | 5,500 | 26,500 | 17,251
Charge-offs | (4,005) | (2,422) | (8,773) | (6,953)
Recoveries | 778 | 997 | 2,268 | 1,879
Balance, end of period | 257,522 | 161,293 | 257,522 | 161,293
Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 9,000 | 5,500 | 27,250 | 17,750
Single Family - Mortgage & Warehouse |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | 15,356 | 19,631 | 17,503 | 19,670
Allowance for credit losses at acquisition of PCD loans | 0 |  | 0 |
Charge-offs | (90) | (9) | (170) | (307)
Recoveries | 70 | 413 | 93 | 436
Balance, end of period | 16,965 | 18,452 | 16,965 | 18,452
Single Family - Mortgage & Warehouse | Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 1,629 | (1,583) | (461) | (1,347)
Multifamily and Commercial Mortgage |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | 78,353 | 15,457 | 16,848 | 14,655
Allowance for credit losses at acquisition of PCD loans | 0 |  | 58,972 |
Charge-offs | (139) | 0 | (139) | 0
Recoveries | 0 | 0 | 0 | 0
Balance, end of period | 76,358 | 14,301 | 76,358 | 14,301
Multifamily and Commercial Mortgage | Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | (1,856) | (1,156) | 677 | (354)
Commercial Real Estate |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | 77,778 | 72,168 | 72,755 | 69,339
Allowance for credit losses at acquisition of PCD loans | 0 |  | 11,125 |
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Balance, end of period | 82,842 | 68,386 | 82,842 | 68,386
Commercial Real Estate | Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 5,064 | (3,782) | (1,038) | (953)
Commercial & Industrial - Non-RE |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | 69,201 | 36,038 | 46,347 | 30,808
Allowance for credit losses at acquisition of PCD loans | 0 |  | 0 |
Charge-offs | 0 | 0 | (86) | 0
Recoveries | 0 | 0 | 0 | 18
Balance, end of period | 72,010 | 46,736 | 72,010 | 46,736
Commercial & Industrial - Non-RE | Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 2,809 | 10,698 | 25,749 | 15,910
Auto & Consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | 11,052 | 13,903 | 13,212 | 14,114
Allowance for credit losses at acquisition of PCD loans | 0 |  | 0 |
Charge-offs | (3,776) | (2,413) | (8,378) | (6,646)
Recoveries | 708 | 584 | 2,175 | 1,425
Balance, end of period | 9,339 | 13,403 | 9,339 | 13,403
Auto & Consumer | Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 1,355 | 1,329 | 2,330 | 4,510
Other |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Balance, beginning of period | 9 | 21 | 15 | 31
Allowance for credit losses at acquisition of PCD loans | 0 |  | 0 |
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Balance, end of period | 8 | 15 | 8 | 15
Other | Provision (benefit) for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | $ (1) | $ (6) | $ (7) | $ (16)

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
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- Definition Amount of increase in allowance for credit loss on financing receivable purchased with credit deterioration. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
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- Definition Amount of increase in allowance for credit loss on financing receivable from recovery. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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