XML 62 R50.htm IDEA: XBRL DOCUMENT v3.25.1
LOANS & ALLOWANCE FOR CREDIT LOSSES - SCHEDULE OF LOANS BY AMORTIZED COST BASIS BY YEAR OF ORIGINATION AND CREDIT QUALITY INDICATOR (Details) - USD ($)
$ in Thousands
9 Months Ended 12 Months Ended
Mar. 31, 2025
Jun. 30, 2024
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 $ 3,493,807 $ 3,568,319
2024 - 2023 2,733,979 3,368,194
2023 - 2022 2,459,126 4,352,535
2022 - 2021 3,257,435 1,433,787
2021 - 2020 1,150,619 904,402
Prior 2,155,031 1,732,247
Revolving Loans 5,479,259 4,443,327
Total 20,729,256 19,802,811
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 18 202
Gross charge-offs 2024 - 2023 403 3,471
Gross charge-offs 2023 - 2022 2,702 5,212
Gross charge-offs 2022 - 2021 2,663 1,556
Gross charge-offs 2021 - 2020 1,744 943
Prior 11,737 525
Revolving Loans 2,000 0
Total $ 21,267 $ 11,909
As a % of total gross loans    
2025 - 2024 16.90% 18.00%
2024 - 2023 13.20% 17.00%
2023 - 2022 11.90% 22.00%
2022 - 2021 15.70% 7.20%
2021 - 2020 5.60% 4.60%
Prior 10.40% 8.80%
Revolving Loans 26.30% 22.40%
Total 100.00% 100.00%
Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 $ 487,621 $ 522,822
2024 - 2023 319,582 590,343
2023 - 2022 473,700 1,231,447
2022 - 2021 1,103,383 487,797
2021 - 2020 463,809 312,358
Prior 848,695 777,287
Revolving Loans 498,031 256,778
Total 4,194,821 4,178,832
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 0 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 0 0
Prior 2,297 172
Revolving Loans 0 0
Total 2,297 172
Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 43,011 36,058
2024 - 2023 26,655 742,977
2023 - 2022 666,088 1,052,707
2022 - 2021 1,006,941 628,284
2021 - 2020 467,288 560,365
Prior 1,130,635 841,540
Revolving Loans 0 0
Total 3,340,618 3,861,931
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 0 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 0 640
Prior 7,685 0
Revolving Loans 0 0
Total 7,685 640
Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 2,154,798 1,952,001
2024 - 2023 1,486,552 1,424,999
2023 - 2022 816,851 1,527,795
2022 - 2021 747,104 226,061
2021 - 2020 151,817 7,741
Prior 59,622 83,339
Revolving Loans 939,815 866,686
Total 6,356,559 6,088,622
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 0 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 0 0
Prior   0
Prior, Recovery 0  
Revolving Loans 0 0
Total   0
Total, Recovery 0  
Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 667,082 991,497
2024 - 2023 848,698 494,500
2023 - 2022 417,539 361,857
2022 - 2021 274,407 47,772
2021 - 2020 39,726 10,422
Prior 101,099 15,855
Revolving Loans 4,041,413 3,319,863
Total 6,389,964 5,241,766
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 884 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 1,031 0
Prior 0 84
Revolving Loans 2,000 0
Total 3,915 84
Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 141,295 65,941
2024 - 2023 52,492 115,375
2023 - 2022 84,948 178,729
2022 - 2021 125,600 43,873
2021 - 2020 27,979 13,516
Prior 14,980 14,226
Revolving Loans 0 0
Total 447,294 431,660
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 18 202
Gross charge-offs 2024 - 2023 403 3,471
Gross charge-offs 2023 - 2022 1,818 5,212
Gross charge-offs 2022 - 2021 2,663 1,556
Gross charge-offs 2021 - 2020 713 303
Prior 1,755 269
Revolving Loans 0 0
Total 7,370 11,013
Pass    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 3,493,384 3,537,144
2024 - 2023 2,705,250 3,282,691
2023 - 2022 2,401,960 4,066,317
2022 - 2021 2,983,510 1,391,702
2021 - 2020 1,129,291 832,953
Prior 2,013,987 1,611,156
Revolving Loans 5,327,223 4,418,889
Total 20,054,605 19,140,852
Pass | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 487,621 491,822
2024 - 2023 319,582 590,060
2023 - 2022 473,700 1,200,230
2022 - 2021 1,086,704 487,132
2021 - 2020 453,658 291,047
Prior 785,879 720,049
Revolving Loans 490,429 256,778
Total 4,097,573 4,037,118
Pass | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 43,011 36,058
2024 - 2023 26,655 700,163
2023 - 2022 642,262 994,004
2022 - 2021 952,205 595,299
2021 - 2020 464,138 510,341
Prior 1,070,737 811,184
Revolving Loans 0 0
Total 3,199,008 3,647,049
Pass | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 2,154,798 1,952,001
2024 - 2023 1,486,552 1,419,399
2023 - 2022 816,851 1,456,643
2022 - 2021 732,780 221,061
2021 - 2020 146,817 7,741
Prior 44,812 53,000
Revolving Loans 925,206 866,686
Total 6,307,816 5,976,531
Pass | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 667,082 991,497
2024 - 2023 820,277 458,454
2023 - 2022 384,897 238,397
2022 - 2021 87,383 44,923
2021 - 2020 36,981 10,422
Prior 98,110 12,867
Revolving Loans 3,911,588 3,295,425
Total 6,006,318 5,051,985
Pass | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 140,872 65,766
2024 - 2023 52,184 114,615
2023 - 2022 84,250 177,043
2022 - 2021 124,438 43,287
2021 - 2020 27,697 13,402
Prior 14,449 14,056
Revolving Loans 0 0
Total 443,890 428,169
Special Mention    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 48 31,033
2024 - 2023 16,239 31,151
2023 - 2022 5,546 99,288
2022 - 2021 91,677 20,137
2021 - 2020 12,358 15,602
Prior 43,014 37,211
Revolving Loans 28,433 5,349
Total 197,315 239,771
Special Mention | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 31,000
2024 - 2023 0 0
2023 - 2022 0 24,489
2022 - 2021 4,100 665
2021 - 2020 9,051 6,591
Prior 24,670 26,873
Revolving Loans 7,602 0
Total 45,423 89,618
Special Mention | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 29,325
2023 - 2022 5,296 46,194
2022 - 2021 41,474 17,478
2021 - 2020 3,150 9,011
Prior 18,293 10,277
Revolving Loans 0 0
Total 68,213 112,285
Special Mention | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 27,452
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 27,452
Special Mention | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 16,188 1,613
2023 - 2022 0 731
2022 - 2021 45,774 1,818
2021 - 2020 0 0
Prior 0 0
Revolving Loans 20,831 5,349
Total 82,793 9,511
Special Mention | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 48 33
2024 - 2023 51 213
2023 - 2022 250 422
2022 - 2021 329 176
2021 - 2020 157 0
Prior 51 61
Revolving Loans 0 0
Total 886 905
Substandard    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 375 142
2024 - 2023 12,490 54,352
2023 - 2022 51,620 186,930
2022 - 2021 172,248 21,948
2021 - 2020 8,970 55,847
Prior 98,030 83,880
Revolving Loans 118,693 19,089
Total 462,426 422,188
Substandard | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 283
2023 - 2022 0 6,728
2022 - 2021 12,579 0
2021 - 2020 1,100 14,720
Prior 38,146 30,365
Revolving Loans 0 0
Total 51,825 52,096
Substandard | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 13,489
2023 - 2022 18,530 12,509
2022 - 2021 13,262 15,507
2021 - 2020 0 41,013
Prior 41,605 20,079
Revolving Loans 0 0
Total 73,397 102,597
Substandard | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 5,600
2023 - 2022 0 43,700
2022 - 2021 14,324 5,000
2021 - 2020 5,000 0
Prior 14,810 30,339
Revolving Loans 14,609 0
Total 48,743 84,639
Substandard | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 12,233 34,433
2023 - 2022 32,642 122,729
2022 - 2021 131,250 1,031
2021 - 2020 2,745 0
Prior 2,989 2,988
Revolving Loans 104,084 19,089
Total 285,943 180,270
Substandard | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 375 142
2024 - 2023 257 547
2023 - 2022 448 1,264
2022 - 2021 833 410
2021 - 2020 125 114
Prior 480 109
Revolving Loans 0 0
Total 2,518 2,586
Doubtful    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 10,000 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 4,910 0
Total 14,910 0
Doubtful | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Doubtful | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Doubtful | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Doubtful | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 10,000 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 4,910 0
Total 14,910 0
Doubtful | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total $ 0 $ 0