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LOANS & ALLOWANCE FOR CREDIT LOSSES - SCHEDULE OF ALLOWANCE FOR LOAN LOSS BY PORTFOLIO CLASS (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Mar. 31, 2025 | Mar. 31, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | $ 270,605 | $ 251,749 | $ 260,542 | $ 166,680
Allowance for credit losses at acquisition of PCD loans |  |  |  | 70,097
Provision (benefit) for credit losses - loans | 14,500 | 6,000 | 40,748 | 26,500
Charge-offs | (6,207) | (4,005) | (21,267) | (8,773)
Recoveries | 1,802 | 778 | 3,677 | 2,268
End balance | 279,950 | 257,522 | 279,950 | 257,522
Provision for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 13,750 | 9,000 | 36,998 | 27,250
Single Family - Mortgage & Warehouse |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 16,104 | 15,356 | 16,943 | 17,503
Allowance for credit losses at acquisition of PCD loans |  |  |  | 0
Charge-offs | (2,297) | (90) | (2,297) | (170)
Recoveries | 4 | 70 | 56 | 93
End balance | 15,404 | 16,965 | 15,404 | 16,965
Single Family - Mortgage & Warehouse | Provision for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 1,593 | 1,629 | 702 | (461)
Multifamily and Commercial Mortgage |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 56,077 | 78,353 | 70,771 | 16,848
Allowance for credit losses at acquisition of PCD loans |  |  |  | 58,972
Charge-offs | (1,131) | (139) | (7,685) | (139)
Recoveries | 689 | 0 | 689 | 0
End balance | 47,659 | 76,358 | 47,659 | 76,358
Multifamily and Commercial Mortgage | Provision for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | (7,976) | (1,856) | (16,116) | 677
Commercial Real Estate |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 102,454 | 77,778 | 87,780 | 72,755
Allowance for credit losses at acquisition of PCD loans |  |  |  | 11,125
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 255 | 0 | 255 | 0
End balance | 89,839 | 82,842 | 89,839 | 82,842
Commercial Real Estate | Provision for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | (12,870) | 5,064 | 1,804 | (1,038)
Commercial & Industrial - Non-RE |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 84,455 | 69,201 | 76,032 | 46,347
Allowance for credit losses at acquisition of PCD loans |  |  |  | 0
Charge-offs | (753) | 0 | (3,915) | (86)
Recoveries | 0 | 0 | 0 | 0
End balance | 113,623 | 72,010 | 113,623 | 72,010
Commercial & Industrial - Non-RE | Provision for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | 29,921 | 2,809 | 41,506 | 25,749
Auto & Consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 11,515 | 11,061 | 9,016 | 13,227
Allowance for credit losses at acquisition of PCD loans |  |  |  | 0
Charge-offs | (2,026) | (3,776) | (7,370) | (8,378)
Recoveries | 854 | 708 | 2,677 | 2,175
End balance | 13,425 | 9,347 | 13,425 | 9,347
Auto & Consumer | Provision for credit losses - loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision (benefit) for credit losses - loans | $ 3,082 | $ 1,354 | $ 9,102 | $ 2,323

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- 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://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: 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 3: 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 + Details
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- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(3) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: 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 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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