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LOANS & ALLOWANCE FOR CREDIT LOSSES (Tables)

12 Months Ended

Jun. 30, 2025

Receivables [Abstract]

Schedule of Composition of the Loan Portfolio

The following table sets forth the composition of the loan portfolio:

(Dollars in thousands)			June 30, 2025						June 30, 2024
Single Family - Mortgage & Warehouse			$	4,395,278					$	4,178,832
Multifamily and Commercial Mortgage			2,940,739						3,861,931
Commercial Real Estate			6,937,187						6,088,622
Commercial & Industrial - Non-RE			6,795,497						5,241,766
Auto & Consumer			482,996						431,660
Total gross loans			21,551,697						19,802,811
Allowance for credit losses - loans			(290,049)						(260,542)
Unaccreted premiums (discounts) and loan fees			(212,038)						(310,884)
Total net loans			$	21,049,610					$	19,231,385

Schedule of Allowance for Credit Losses on Financing Receivables

The following table presents the components of the provision for credit losses:

			For the Fiscal Year Ended June 30,
(Dollars in thousands)			2025						2024						2023
Provision for credit losses - loans			$	55,077					$	32,750					$	24,750
Provision for credit losses - unfunded lending commitments			668						(250)						(500)
Total provision for credit losses			$	55,745					$	32,500					$	24,250

The following tables summarize activity in the allowance for credit losses - loans by portfolio segment:

			June 30, 2025
(Dollars in thousands)			Single Family-Mortgage & Warehouse						Multifamily and Commercial Mortgage						Commercial Real Estate						Commercial & Industrial - Non-RE																		Auto & Consumer						Total
Balance at July 1, 2024			$	16,943					$	70,771					$	87,780					$	76,032																	$	9,016					$	260,542
Provision (benefit) for credit losses - loans			(1,858)						(36,655)						25,934						54,432																		13,224						55,077
Charge-offs			(3,036)						(8,565)						(165)						(8,825)																		(9,715)						(30,306)
Recoveries			62						689						255						—																		3,730						4,736
Balance at June 30, 2025			$	12,111					$	26,240					$	113,804					$	121,639																	$	16,255					$	290,049

			June 30, 2024
(Dollars in thousands)			Single Family-Mortgage & Warehouse						Multifamily and Commercial Mortgage						Commercial Real Estate						Commercial & Industrial - Non-RE																		Auto & Consumer						Total
Balance at July 1, 2023			$	17,503					$	16,848					$	72,755					$	46,347																	$	13,227					$	166,680
Allowance for credit losses at acquisition of PCD loans			—						58,997						11,125						—																		—						70,122
Provision (benefit) for credit losses - loans			(489)						(4,434)						3,900						29,769																		4,004						32,750
Charge-offs			(172)						(640)						—						(84)																		(11,013)						(11,909)
Recoveries			101						—						—						—																		2,798						2,899
Balance at June 30, 2024			$	16,943					$	70,771					$	87,780					$	76,032																	$	9,016					$	260,542

			June 30, 2023
(Dollars in thousands)			Single Family-Mortgage & Warehouse						Multifamily and Commercial Mortgage						Commercial Real Estate						Commercial & Industrial - Non-RE																		Auto & Consumer						Total
Balance at July 1, 2021			$	19,670					$	14,655					$	69,339					$	30,808																	$	14,145					$	148,617
Provision (benefit) for credit losses - loans			(2,302)						2,193						3,416						15,521																		5,922						24,750
Charge-offs			(314)						—						—						—																		(9,142)						(9,456)
Recoveries			449						—						—						18																		2,302						2,769
Balance at June 30, 2023			$	17,503					$	16,848					$	72,755					$	46,347																	$	13,227					$	166,680

The following tables present a summary of the activity in the unfunded loan commitment liabilities for the periods indicated:

			For the Fiscal Year Ended June 30,
(Dollars in thousands)			2025						2024						2023
BALANCE—beginning of year			$	10,223					$	10,473					$	10,973
Provision (Benefit)			668						(250)						(500)
BALANCE—end of year			$	10,891					$	10,223					$	10,473

Schedule of Real Estate Loans, LTV Ratio

The following table presents LTVs for the Company’s real estate loans outstanding as of June 30, 2025:

			Total Real Estate Loans						Single Family - Mortgage & Warehouse						Multifamily and Commercial Mortgage						Commercial Real Estate
Weighted-Average LTV			46.2		%				56.7		%				49.4		%				45.4		%
Median LTV			51.0		%				53.5		%				47.9		%				45.7		%

Schedule of Outstanding Principal Balance on Loans Performing and Nonaccrual

The following tables provide the composition of loans that are performing and nonaccrual by portfolio segment:

			June 30, 2025
(Dollars in thousands)			Single Family-Mortgage & Warehouse						Multifamily and Commercial Mortgage						Commercial Real Estate						Commercial & Industrial - Non-RE																		Auto & Consumer						Total
Performing			$	4,351,082					$	2,907,702					$	6,907,964					$	6,733,693																	$	480,870					$	21,381,311
Nonaccrual			44,196						33,037						29,223						61,804																		2,126						170,386
Total			$	4,395,278					$	2,940,739					$	6,937,187					$	6,795,497																	$	482,996					$	21,551,697
Nonaccrual loans to total loans																																													0.79		%

			June 30, 2024
(Dollars in thousands)			Single Family-Mortgage & Warehouse						Multifamily and Commercial Mortgage						Commercial Real Estate						Commercial & Industrial - Non-RE																		Auto & Consumer						Total
Performing			$	4,133,121					$	3,826,877					$	6,062,520					$	5,237,746																	$	429,188					$	19,689,452
Nonaccrual			45,711						35,054						26,102						4,020																		$	2,472					113,359
Total			$	4,178,832					$	3,861,931					$	6,088,622					$	5,241,766																	$	431,660					$	19,802,811
Nonaccrual loans to total loans																																													0.57		%

Schedule of Composition of Loan and Lease Portfolio by Credit Quality Indicators

The following tables present the composition of loans by portfolio segment, fiscal year of origination and credit quality indicator, and the amount of gross charge-offs:

			June 30, 2025
			Loans Held for Investment by Fiscal Year of Origination																																				Revolving Loans																		Total
(Dollars in thousands)			2025						2024						2023						2022						2021						Prior
Single Family-Mortgage & Warehouse
Pass			$	750,357					$	269,165					$	451,330					$	1,067,144					$	434,352					$	715,620					$	599,406																	$	4,287,374
Special Mention			2,129						1,080						5,362						3,140						5,254						26,604						9,967																		53,536
Substandard			—						—						—						7,255						6,720						40,393						—																		54,368
Doubtful			—						—						—						—						—						—						—																		—
Total			752,486						270,245						456,692						1,077,539						446,326						782,617						609,373																		4,395,278
Gross charge-offs			—						340						—						400						—						2,296						—																		3,036
Multifamily and Commercial Mortgage
Pass			75,755						22,435						632,120						859,189						422,683						842,787						1,450																		2,856,419
Special Mention			—						—						3,400						—						7,255						18,272						—																		28,927
Substandard			—						—						8,530						13,199						—						33,664						—																		55,393
Doubtful			—						—						—						—						—						—						—																		—
Total			75,755						22,435						644,050						872,388						429,938						894,723						1,450																		2,940,739
Gross charge-offs			—						375						86						5						—						8,099						—																		8,565
Commercial Real Estate
Pass			3,135,530						1,342,372						679,875						575,642						152,581						47,214						960,145																		6,893,359
Special Mention			—						—						—						—						—						—																								—
Substandard			—						—						—						9,500						5,000						14,723						14,605																		43,828
Doubtful			—						—						—						—						—						—						—																		—
Total			3,135,530						1,342,372						679,875						585,142						157,581						61,937						974,750																		6,937,187
Gross charge-offs			—						—						—						165						—						—						—																		165
Commercial & Industrial - Non-RE
Pass			1,231,118						809,347						310,043						120,385						38,397						28,311						3,928,415																		6,466,016
Special Mention			—						45,120						—						—						93						—						10,023																		55,236
Substandard			3,747						10,719						9,244						135,778						2,486						2,989						99,282																		264,245
Doubtful			—						—						—						10,000						—						—						—																		10,000
Total			1,234,865						865,186						319,287						266,163						40,976						31,300						4,037,720																		6,795,497
Gross charge-offs			—						—						883						—						5,942						—						2,000																		8,825
Auto & Consumer
Pass			213,318						47,587						75,120						109,228						23,084						11,448						—																		479,785
Special Mention			295						52						186						270						60						10						—																		873
Substandard			154						48						365						807						549						415						—																		2,338
Doubtful			—						—						—						—						—						—						—																		—
Total			213,767						47,687						75,671						110,305						23,693						11,873						—																		482,996
Gross charge-offs			589						813						2,363						3,340						797						1,813						—																		9,715
Total
Pass			5,406,078						2,490,906						2,148,488						2,731,588						1,071,097						1,645,380						5,489,416																		20,982,953
Special Mention			2,424						46,252						8,948						3,410						12,662						44,886						19,990																		138,572
Substandard			3,901						10,767						18,139						166,539						14,755						92,184						113,887																		420,172
Doubtful			—						—						—						10,000						—						—						—																		10,000
Total			$	5,412,403					$	2,547,925					$	2,175,575					$	2,911,537					$	1,098,514					$	1,782,450					$	5,623,293																	$	21,551,697
As a % of total gross loans			25.1%						11.8%						10.1%						13.5%						5.1%						8.3%						26.1%																		100.0%
Total gross charge-offs			$	589					$	1,528					$	3,332					$	3,910					$	6,739					$	12,208					$	2,000																	$	30,306

			June 30, 2024
			Loans Held for Investment by Fiscal Year of Origination																																				Revolving Loans																		Total
(Dollars in thousands)			2024						2023						2022						2021						2020						Prior
Single Family-Mortgage & Warehouse
Pass			$	491,822					$	590,060					$	1,200,230					$	487,132					$	291,047					$	720,049					$	256,778																	$	4,037,118
Special Mention			31,000						—						24,489						665						6,591						26,873						—																		89,618
Substandard			—						283						6,728						—						14,720						30,365						—																		52,096
Doubtful			—						—						—						—						—						—						—																		—
Total			522,822						590,343						1,231,447						487,797						312,358						777,287						256,778																		4,178,832
Year-to-date gross charge-offs			—						—						—						—						—						172						—																		172
Multifamily and Commercial Mortgage
Pass			36,058						700,163						994,004						595,299						510,341						811,184						—																		3,647,049
Special Mention			—						29,325						46,194						17,478						9,011						10,277						—																		112,285
Substandard			—						13,489						12,509						15,507						41,013						20,079						—																		102,597
Doubtful			—						—						—						—						—						—						—																		—
Total			36,058						742,977						1,052,707						628,284						560,365						841,540						—																		3,861,931
Year-to-date gross charge-offs			—						—						—						—						640						—						—																		640
Commercial Real Estate
Pass			1,952,001						1,419,399						1,456,643						221,061						7,741						53,000						866,686																		5,976,531
Special Mention			—						—						27,452						—						—						—						—																		27,452
Substandard			—						5,600						43,700						5,000						—						30,339						—																		84,639
Doubtful			—						—						—						—						—						—						—																		—
Total			1,952,001						1,424,999						1,527,795						226,061						7,741						83,339						866,686																		6,088,622
Year-to-date gross charge-offs			—						—						—						—						—						—						—																		—
Commercial & Industrial - Non-RE
Pass			991,497						458,454						238,397						44,923						10,422						12,867						3,295,425																		5,051,985
Special Mention			—						1,613						731						1,818						—						—						5,349																		9,511
Substandard			—						34,433						122,729						1,031						—						2,988						19,089																		180,270
Doubtful			—						—						—						—						—						—						—																		—
Total			991,497						494,500						361,857						47,772						10,422						15,855						3,319,863																		5,241,766
Year-to-date gross charge-offs			—						—						—						—						—						84						—																		84
Auto & Consumer
Pass			65,766						114,615						177,043						43,287						13,402						14,056						—																		428,169
Special Mention			33						213						422						176						—						61						—																		905
Substandard			142						547						1,264						410						114						109						—																		2,586
Doubtful			—						—						—						—						—						—						—																		—
Total			65,941						115,375						178,729						43,873						13,516						14,226						—																		431,660
Year-to-date gross charge-offs			202						3,471						5,212						1,556						303						269						—																		11,013
Total
Pass			3,537,144						3,282,691						4,066,317						1,391,702						832,953						1,611,156						4,418,889																		19,140,852
Special Mention			31,033						31,151						99,288						20,137						15,602						37,211						5,349																		239,771
Substandard			142						54,352						186,930						21,948						55,847						83,880						19,089																		422,188
Doubtful			—						—						—						—						—						—						—																		—
Total			$	3,568,319					$	3,368,194					$	4,352,535					$	1,433,787					$	904,402					$	1,732,247					$	4,443,327																	$	19,802,811
As a % of total gross loans			18.0%						17.1%						22.0%						7.2%						4.6%						8.7%						22.4%																		100.0%
Total year-to-date gross charge-offs			202						3,471						5,212						1,556						943						525						—																		11,909

Schedule of Past Due Loan and Leases

The following tables provide the aging of loans by portfolio segment:

			June 30, 2025
(Dollars in thousands)			Current						30-59 Days						60-89 Days						90+ Days						Total
Single Family-Mortgage & Warehouse			$	4,322,681					$	13,302					$	16,395					$	42,900					$	4,395,278
Multifamily and Commercial Mortgage			2,870,972						36,649						549						32,569						2,940,739
Commercial Real Estate			6,900,904						—						7,060						29,223						6,937,187
Commercial & Industrial - Non-RE			6,783,440						—						—						12,057						6,795,497
Auto & Consumer			477,694						3,025						920						1,357						482,996
Total			$	21,355,691					$	52,976					$	24,924					$	118,106					$	21,551,697
As a % of total gross loans			99.09		%				0.25		%				0.12		%				0.55		%				100.00		%

			June 30, 2024
(Dollars in thousands)			Current						30-59 Days						60-89 Days						90+ Days						Total
Single Family-Mortgage & Warehouse			$	4,070,186					$	46,387					$	18,401					$	43,858					$	4,178,832
Multifamily and Commercial Mortgage			3,795,387						13,074						8,554						44,916						3,861,931
Commercial Real Estate			6,024,470						—						25,950						38,202						6,088,622
Commercial & Industrial - Non-RE			5,240,734						—						—						1,032						5,241,766
Auto & Consumer			424,555						4,644						996						1,465						431,660
Total			$	19,555,332					$	64,105					$	53,901					$	129,473					$	19,802,811
As a % of total gross loans			98.75		%				0.33		%				0.27		%				0.65		%				100.00		%

Schedule of Related Party Loans Collateralized

In the ordinary course of business, the Company has granted related party loans collateralized by real property to certain executive officers, directors and their affiliates, which is summarized in the following table:

			At or for the Fiscal Year Ended June 30,
(Dollars in thousands)			2025						2024
Outstanding loan balance			$	29,146					$	29,673
Loans originated and funded			$	372					$	1,044
Principal repayments			$	899					$	552

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
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Tabular disclosure of related party transactions. Examples of related party transactions include, but are not limited to, transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners and (d) affiliates.

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