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Loans Held For Sale (Tables)
 3 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Schedule of Loans Held for Sale
Loans held for sale as of the dates indicated consist of the following:
September 30, 2022June 30, 2022
One-to-four family$1,585 $4,176 
SBA17,834 14,774 
HELOCs56,833 60,357 
Total$76,252 $79,307 
Loans consist of the following at the dates indicated(1):
September 30, 2022
June 30, 2022
Commercial real estate loans
Construction and land development$310,985 $291,202 
Commercial real estate - owner occupied336,456 335,658 
Commercial real estate - non-owner occupied661,644 662,159 
Multifamily79,082 81,086 
Total commercial real estate loans1,388,167 1,370,105 
Commercial loans
Commercial and industrial205,606 192,652 
Equipment finance411,012 394,541 
Municipal leases130,777 129,766 
PPP loans238 661 
Total commercial loans747,633 717,620 
Residential real estate loans
Construction and land development91,488 81,847 
One-to-four family374,849 354,203 
HELOCs164,701 160,137 
Total residential real estate loans631,038 596,187 
Consumer loans100,945 85,383 
Total loans, net of deferred loan fees and costs2,867,783 2,769,295 
ACL on loans(38,301)(34,690)
Loans, net$2,829,482 $2,734,605 
(1) At September 30, 2022 and June 30, 2022 accrued interest receivable of $8,890 and $7,969 was accounted for separately from the amortized cost basis.
The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans for the periods indicated below:
Type of Collateral and Extent to Which Collateral Secures Financial AssetsFinancial Assets Not Considered Collateral Dependent
September 30, 2022Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $310,985 $310,985 
Commercial real estate - owner occupied— — — — 336,456 336,456 
Commercial real estate - non-owner occupied— — — — 661,644 661,644 
Multifamily— — — — 79,082 79,082 
Total commercial real estate— — — — 1,388,167 1,388,167 
Commercial
Commercial and industrial— — — 2,479 203,127 205,606 
Equipment finance— — — — 411,012 411,012 
Municipal leases— — — — 130,777 130,777 
PPP loans— — — — 238 238 
Total commercial— — — 2,479 745,154 747,633 
Residential real estate
Construction and land development— — — — 91,488 91,488 
One-to-four family1,311 — — — 373,538 374,849 
HELOCs— — — — 164,701 164,701 
Total residential real estate1,311 — — — 629,727 631,038 
Consumer— — — — 100,945 100,945 
Total$1,311 $— $— $2,479 $2,863,993 $2,867,783 
Total collateral value$2,443 $— $— $— 
Type of Collateral and Extent to Which Collateral Secures Financial AssetsFinancial Assets Not Considered Collateral Dependent
June 30, 2022Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $291,202 $291,202 
Commercial real estate - owner occupied— — — — 335,658 335,658 
Commercial real estate - non-owner occupied— — — — 662,159 662,159 
Multifamily— — — — 81,086 81,086 
Total commercial real estate— — — — 1,370,105 1,370,105 
Commercial
Commercial and industrial— — — 2,594 190,058 192,652 
Equipment finance— — — — 394,541 394,541 
Municipal leases— — — — 129,766 129,766 
PPP loans— — — — 661 661 
Total commercial— — — 2,594 715,026 717,620 
Residential real estate
Construction and land development— — — — 81,847 81,847 
One-to-four family1,318 — — — 352,885 354,203 
HELOCs— — — — 160,137 160,137 
Total residential real estate1,318 — — — 594,869 596,187 
Consumer— — — — 85,383 85,383 
Total$1,318 $— $— $2,594 $2,765,383 $2,769,295 
Total collateral value$2,443 $— $— $69