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INCOME TAXES - SCHEDULE OF NET DEFERRED TAX ASSET (Details) - USD ($) $ in Thousands | Jun. 30, 2025 | Jun. 30, 2024
--- | --- | ---
Deferred tax assets: |  |
Allowance for credit losses | $ 91,922 | $ 96,275
Lease liability | 16,650 | 21,400
Accrued compensation | 3,306 | 9,783
Stock-based compensation expense | 8,134 | 8,282
Litigation accrual | 0 | 5,324
Nonaccrual loan interest income | 8,419 | 9,034
Unrealized net losses on securities | 0 | 1,079
Depreciation and amortization | 5,090 | 0
Net operating loss carryforward | 1,021 | 1,160
State taxes | 5,967 | 4,282
Securities impaired | 236 | 273
Other DTA | 37 | 0
Total deferred tax assets | 140,782 | 156,892
Deferred tax liabilities: |  |
Basis difference in acquired loans | (43,773) | (78,034)
Operating lease right-of-use asset | (15,002) | (19,406)
Unrealized net gain securities | (160) | 0
Depreciation and amortization | 0 | (4,679)
Other assets—prepaids | (2,532) | (2,183)
FHLB stock dividend | (738) | (852)
Total deferred tax liabilities | (62,205) | (105,154)
Net deferred tax asset | 78,577 | 51,738
Valuation allowance | (70) | (70)
Net deferred tax asset, net of valuation allowance | $ 78,507 | $ 51,668

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