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Loans and Allowance for Credit Losses on Loans (Tables)

9 Months Ended

Mar. 31, 2023

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable

Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:

			March 31, 2023						June 30, 2022
One-to-four family			$	156					$	4,176
SBA			29,884						14,774
HELOCs			59,132						60,357
Total loans held for sale, at the lower of cost or fair value			$	89,172					$	79,307

Loans consist of the following at the dates indicated(1):

			March 31, 2023						June 30, 2022
Commercial real estate loans
Construction and land development			$	368,756					$	291,202
Commercial real estate - owner occupied			524,247						335,658
Commercial real estate - non-owner occupied			926,991						662,159
Multifamily			85,285						81,086
Total commercial real estate loans			1,905,279						1,370,105
Commercial loans
Commercial and industrial			229,840						193,313
Equipment finance			440,345						394,541
Municipal leases			138,436						129,766
Total commercial loans			808,621						717,620
Residential real estate loans
Construction and land development			105,617						81,847
One-to-four family			518,274						354,203
HELOCs			193,037						160,137
Total residential real estate loans			816,928						596,187
Consumer loans			118,505						85,383
Total loans, net of deferred loan fees and costs			3,649,333						2,769,295
ACL on loans			(47,503)						(34,690)
Loans, net			$	3,601,830					$	2,734,605

(1) At March 31, 2023 and June 30, 2022 accrued interest receivable of $13,027 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 Assets																								Financial Assets Not Considered Collateral Dependent
March 31, 2023			Residential Property						Investment Property						Commercial Property						Business Assets																		Total
Commercial real estate
Construction and land development			$	—					$	—					$	—					$	—											$	368,756					$	368,756
Commercial real estate - owner occupied			—						—						1,054						—												523,193						524,247
Commercial real estate - non-owner occupied			—						—						3,025						—												923,966						926,991
Multifamily			—						—						—						—												85,285						85,285
Total commercial real estate			—						—						4,079						—												1,901,200						1,905,279
Commercial
Commercial and industrial			—						—						—						1,238												228,602						229,840
Equipment finance			—						—						—						—												440,345						440,345
Municipal leases			—						—						—						—												138,436						138,436
Total commercial			—						—						—						1,238												807,383						808,621
Residential real estate
Construction and land development			—						—						—						—												105,617						105,617
One-to-four family			758						—						—						—												517,516						518,274
HELOCs			—						—						—						—												193,037						193,037
Total residential real estate			758						—						—						—												816,170						816,928
Consumer			—						—						—						—												118,505						118,505
Total			$	758					$	—					$	4,079					$	1,238											$	3,643,258					$	3,649,333
Total collateral value			$	1,435					$	—					$	8,870					$	110

			Type of Collateral and Extent to Which Collateral Secures Financial Assets																								Financial Assets Not Considered Collateral Dependent
June 30, 2022			Residential Property						Investment Property						Commercial Property						Business Assets																		Total
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												190,719						193,313
Equipment finance			—						—						—						—												394,541						394,541
Municipal leases			—						—						—						—												129,766						129,766
Total commercial			—						—						—						2,594												715,026						717,620
Residential real estate
Construction and land development			—						—						—						—												81,847						81,847
One-to-four family			1,318						—						—						—												352,885						354,203
HELOCs			—						—						—						—												160,137						160,137
Total residential real estate			1,318						—						—						—												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

Financing Receivable Credit Quality Indicators

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate, and consumer loans by origination year as of March 31, 2023:

			Term Loans By Origination Fiscal Year
March 31, 2023			2023						2022						2021						2020						2019						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	40,745					$	45,061					$	9,070					$	2,766					$	1,549					$	6,920					$	261,693					$	367,804
Special mention			73						—						—						—						—						—						362						435
Substandard			—						481						—						—						—						36						—						517
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			40,818						45,542						9,070						2,766						1,549						6,956						262,055						368,756
Commercial real estate - owner occupied
Risk rating
Pass			195,337						65,636						67,866						42,634						38,712						81,856						24,534						516,575
Special mention			—						132						—						380						376						2,934						—						3,822
Substandard			1,054						—						—						—						—						2,496						300						3,850
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate - owner occupied			196,391						65,768						67,866						43,014						39,088						87,286						24,834						524,247
Commercial real estate - non-owner occupied
Risk rating
Pass			237,787						106,637						117,075						89,284						55,862						233,180						74,662						914,487
Special mention			2,390						—						—						—						—						4,517						5,341						12,248
Substandard			256						—						—						—						—						—						—						256
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate - non-owner occupied			240,433						106,637						117,075						89,284						55,862						237,697						80,003						926,991
Multifamily
Risk rating
Pass			18,584						11,649						18,759						10,286						3,341						21,409						863						84,891
Special mention			—						—						—						—						29						62						—						91
Substandard			—						—						—						—						—						303						—						303
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total multifamily			18,584						11,649						18,759						10,286						3,370						21,774						863						85,285
Total commercial real estate
Risk rating
Pass			$	492,453					$	228,983					$	212,770					$	144,970					$	99,464					$	343,365					$	361,752					$	1,883,757
Special mention			2,463						132						—						380						405						7,513						5,703						16,596
Substandard			1,310						481						—						—						—						2,835						300						4,926
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate			$	496,226					$	229,596					$	212,770					$	145,350					$	99,869					$	353,713					$	367,755					$	1,905,279

			Term Loans By Origination Fiscal Year
March 31, 2023			2023						2022						2021						2020						2019						Prior						Revolving						Total
Commercial and industrial
Risk rating
Pass			$	54,377					$	62,247					$	16,449					$	12,538					$	6,893					$	20,989					$	48,060					$	221,553
Special mention			—						327						465						93						139						—						—						1,024
Substandard			1,633						13						25						588						864						44						3,513						6,680
Doubtful			—						—						70						—						152						—						360						582
Loss			—						—						—						—						—						1						—						1
Total commercial and industrial			56,010						62,587						17,009						13,219						8,048						21,034						51,933						229,840
Equipment finance
Risk rating
Pass			146,546						149,488						83,516						43,049						13,619						734						—						436,952
Special mention			—						143						349						497						441						—						—						1,430
Substandard			—						81						—						20						145						—						—						246
Doubtful			—						815						527						233						138						—						—						1,713
Loss			—						—						—						—						4						—						—						4
Total equipment finance			146,546						150,527						84,392						43,799						14,347						734						—						440,345
Municipal leases
Risk rating
Pass			17,088						28,164						22,987						8,495						9,990						45,723						5,989						138,436
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total municipal leases			17,088						28,164						22,987						8,495						9,990						45,723						5,989						138,436
Total commercial
Risk rating
Pass			$	218,011					$	239,899					$	122,952					$	64,082					$	30,502					$	67,446					$	54,049					$	796,941
Special mention			—						470						814						590						580						—						—						2,454
Substandard			1,633						94						25						608						1,009						44						3,513						6,926
Doubtful			—						815						597						233						290						—						360						2,295
Loss			—						—						—						—						4						1						—						5
Total commercial			$	219,644					$	241,278					$	124,388					$	65,513					$	32,385					$	67,491					$	57,922					$	808,621

			Term Loans By Origination Fiscal Year
March 31, 2023			2023						2022						2021						2020						2019						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	620					$	857					$	—					$	48					$	—					$	1,311					$	102,447					$	105,283
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						334						—						334
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			620						857						—						48						—						1,645						102,447						105,617
One-to-four family
Risk rating
Pass			119,751						84,901						96,028						47,502						27,421						121,007						15,971						512,581
Special mention			416						—						—						—						—						587						—						1,003
Substandard			—						126						—						56						—						4,471						—						4,653
Doubtful			—						—						—						—						—						36						—						36
Loss			—						—						—						—						—						1						—						1
Total one-to-four family			120,167						85,027						96,028						47,558						27,421						126,102						15,971						518,274
HELOCs
Risk rating
Pass			12,328						882						142						341						862						7,489						170,223						192,267
Special mention			—						—						—						—						—						—						—						—
Substandard			—						10						—						—						46						673						12						741
Doubtful			—						—						—						—						—						29						—						29
Loss			—						—						—						—						—						—						—						—
Total HELOCs			12,328						892						142						341						908						8,191						170,235						193,037
Total residential real estate
Risk rating
Pass			$	132,699					$	86,640					$	96,170					$	47,891					$	28,283					$	129,807					$	288,641					$	810,131
Special mention			416						—						—						—						—						587						—						1,003
Substandard			—						136						—						56						46						5,478						12						5,728
Doubtful			—						—						—						—						—						65						—						65
Loss			—						—						—						—						—						1						—						1
Total residential real estate			$	133,115					$	86,776					$	96,170					$	47,947					$	28,329					$	135,938					$	288,653					$	816,928

			Term Loans By Origination Fiscal Year
March 31, 2023			2023						2022						2021						2020						2019						Prior						Revolving						Total
Total consumer
Risk rating
Pass			$	62,141					$	19,306					$	14,570					$	10,175					$	6,539					$	4,140					$	531					$	117,402
Special mention			—						—						—						—						—						—						—						—
Substandard			55						251						221						277						80						181						37						1,102
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						1						—						—						1
Total consumer			$	62,196					$	19,557					$	14,791					$	10,452					$	6,620					$	4,321					$	568					$	118,505

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate, and consumer loans by origination year as of June 30, 2022:

			Term Loans By Origination Fiscal Year
June 30, 2022			2022						2021						2020						2019						2018						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	21,988					$	5,686					$	627					$	2,089					$	1,092					$	5,819					$	248,189					$	285,490
Special mention			—						—						—						—						—						97						4,677						4,774
Substandard			871						—						—						—						—						67						—						938
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			22,859						5,686						627						2,089						1,092						5,983						252,866						291,202
Commercial real estate - owner occupied
Risk rating
Pass			55,167						71,429						45,665						43,786						21,720						74,602						16,857						329,226
Special mention			—						—						396						418						—						2,416						—						3,230
Substandard			—						—						—						—						577						2,227						398						3,202
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate - owner occupied			55,167						71,429						46,061						44,204						22,297						79,245						17,255						335,658
Commercial real estate - non-owner occupied
Risk rating
Pass			97,885						122,975						95,268						56,846						81,037						182,664						7,214						643,889
Special mention			—						—						—						—						13,844						4,421						—						18,265
Substandard			—						—						—						—						—						5						—						5
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate - non-owner occupied			97,885						122,975						95,268						56,846						94,881						187,090						7,214						662,159
Multifamily
Risk rating
Pass			10,135						19,985						15,881						8,614						2,796						20,587						2,495						80,493
Special mention			—						—						—						29						—						217						—						246
Substandard			—						—						—						—						—						347						—						347
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total multifamily			10,135						19,985						15,881						8,643						2,796						21,151						2,495						81,086
Total commercial real estate
Risk rating
Pass			$	185,175					$	220,075					$	157,441					$	111,335					$	106,645					$	283,672					$	274,755					$	1,339,098
Special mention			—						—						396						447						13,844						7,151						4,677						26,515
Substandard			871						—						—						—						577						2,646						398						4,492
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate			$	186,046					$	220,075					$	157,837					$	111,782					$	121,066					$	293,469					$	279,830					$	1,370,105

			Term Loans By Origination Fiscal Year
June 30, 2022			2022						2021						2020						2019						2018						Prior						Revolving						Total
Commercial and industrial
Risk rating
Pass			$	70,863					$	21,434					$	11,647					$	9,377					$	6,338					$	20,856					$	43,119					$	183,634
Special mention			—						346						260						364						—						—						1,957						2,927
Substandard			—						770						343						1,152						—						52						4,337						6,654
Doubtful			—						98						—						—						—						—						—						98
Loss			—						—						—						—						—						—						—						—
Total commercial and industrial			70,863						22,648						12,250						10,893						6,338						20,908						49,413						193,313
Equipment finance
Risk rating
Pass			186,139						113,363						64,400						26,467						1,755						—						—						392,124
Special mention			200						331						1,002						547						—						—						—						2,080
Substandard			—						123						18						159						—						—						—						300
Doubtful			32						—						—						5						—						—						—						37
Loss			—						—						—						—						—						—						—						—
Total equipment finance			186,371						113,817						65,420						27,178						1,755						—						—						394,541
Municipal leases
Risk rating
Pass			19,425						24,480						8,962						11,034						13,584						39,529						12,715						129,729
Special mention			—						37						—						—						—						—						—						37
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total municipal leases			19,425						24,517						8,962						11,034						13,584						39,529						12,715						129,766
Total commercial
Risk rating
Pass			$	276,427					$	159,277					$	85,009					$	46,878					$	21,677					$	60,385					$	55,834					$	705,487
Special mention			200						714						1,262						911						—						—						1,957						5,044
Substandard			—						893						361						1,311						—						52						4,337						6,954
Doubtful			32						98						—						5						—						—						—						135
Loss			—						—						—						—						—						—						—						—
Total commercial			$	276,659					$	160,982					$	86,632					$	49,105					$	21,677					$	60,437					$	62,128					$	717,620

			Term Loans By Origination Fiscal Year
June 30, 2022			2022						2021						2020						2019						2018						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	864					$	—					$	53					$	—					$	—					$	1,783					$	78,775					$	81,475
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						372						—						372
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			864						—						53						—						—						2,155						78,775						81,847
One-to-four family
Risk rating
Pass			55,415						74,035						47,364						29,075						23,250						113,307						4,077						346,523
Special mention			—						—						—						—						—						835						—						835
Substandard			128						—						1,002						540						430						4,590						—						6,690
Doubtful			—						—						—						—						—						155						—						155
Loss			—						—						—						—						—						—						—						—
Total one-to-four family			55,543						74,035						48,366						29,615						23,680						118,887						4,077						354,203
HELOCs
Risk rating
Pass			1,466						458						282						901						107						7,441						148,526						159,181
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						879						49						928
Doubtful			—						—						—						—						—						28						—						28
Loss			—						—						—						—						—						—						—						—
Total HELOCs			1,466						458						282						901						107						8,348						148,575						160,137
Total residential real estate
Risk rating
Pass			$	57,745					$	74,493					$	47,699					$	29,976					$	23,357					$	122,531					$	231,378					$	587,179
Special mention			—						—						—						—						—						835						—						835
Substandard			128						—						1,002						540						430						5,841						49						7,990
Doubtful			—						—						—						—						—						183						—						183
Loss			—						—						—						—						—						—						—						—
Total residential real estate			$	57,873					$	74,493					$	48,701					$	30,516					$	23,787					$	129,390					$	231,427					$	596,187

			Term Loans By Origination Fiscal Year
June 30, 2022			2022						2021						2020						2019						2018						Prior						Revolving						Total
Total consumer
Risk rating
Pass			$	25,935					$	20,443					$	15,849					$	11,329					$	8,235					$	2,398					$	277					$	84,466
Special mention			—						—						—						—						—						—						—						—
Substandard			72						169						274						85						182						100						33						915
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						2						—						—						—						2
Total consumer			$	26,007					$	20,612					$	16,123					$	11,416					$	8,417					$	2,498					$	310					$	85,383

Past Due Financing Receivables

The following tables present aging analyses of past due loans (including nonaccrual loans) by segment and class for the periods indicated below:

			Past Due																								Total
			30-89 Days						90 Days+						Total						Current						Loans
March 31, 2023
Commercial real estate
Construction and land development			$	—					$	—					$	—					$	368,756					$	368,756
Commercial real estate - owner occupied			67						—						67						524,180						524,247
Commercial real estate - non-owner occupied			—						—						—						926,991						926,991
Multifamily			—						—						—						85,285						85,285
Total commercial real estate			67						—						67						1,905,212						1,905,279
Commercial
Commercial and industrial			—						620						620						229,220						229,840
Equipment finance			1,387						843						2,230						438,115						440,345
Municipal leases			—						—						—						138,436						138,436
Total commercial			1,387						1,463						2,850						805,771						808,621
Residential real estate
Construction and land development			—						132						132						105,485						105,617
One-to-four family			830						1,178						2,008						516,266						518,274
HELOCs			245						914						1,159						191,878						193,037
Total residential real estate			1,075						2,224						3,299						813,629						816,928
Consumer			245						259						504						118,001						118,505
Total loans			$	2,774					$	3,946					$	6,720					$	3,642,613					$	3,649,333

			Past Due																								Total
			30-89 Days						90 Days+						Total						Current						Loans
June 30, 2022
Commercial real estate
Construction and land development			$	—					$	—					$	—					$	291,202					$	291,202
Commercial real estate - owner occupied			—						52						52						335,606						335,658
Commercial real estate - non-owner occupied			—						—						—						662,159						662,159
Multifamily			—						—						—						81,086						81,086
Total commercial real estate			—						52						52						1,370,053						1,370,105
Commercial
Commercial and industrial			255						—						255						193,058						193,313
Equipment finance			186						56						242						394,299						394,541
Municipal leases			—						—						—						129,766						129,766
Total commercial			441						56						497						717,123						717,620
Residential real estate
Construction and land development			115						22						137						81,710						81,847
One-to-four family			910						1,394						2,304						351,899						354,203
HELOCs			283						122						405						159,732						160,137
Total residential real estate			1,308						1,538						2,846						593,341						596,187
Consumer			330						177						507						84,876						85,383
Total loans			$	2,079					$	1,823					$	3,902					$	2,765,393					$	2,769,295

Schedule of Past Due Loans Still Accruing and Nonaccruing Interest

The following table presents recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the nine months ended March 31, 2023.

						March 31, 2023						June 30, 2022												90 Days+ & Still Accruing as of March 31, 2023						Nonaccrual With No Allowance as of March 31, 2023						Interest Income Recognized
Commercial real estate
Construction and land development						$	36					$	67											$	—					$	—					$	1
Commercial real estate - owner occupied						603						706												—						—						13
Commercial real estate - non-owner occupied						2						5												—						—						6
Multifamily						89						103												—						—						6
Total commercial real estate						730						881												—						—						26
Commercial
Commercial and industrial						1,389						1,951												—						59						92
Equipment finance						1,929						270												—						—						100
Municipal leases						106						—												—						—						6
Total commercial						3,424						2,221												—						59						198
Residential real estate
Construction and land development						132						137												—						—						2
One-to-four family						2,000						1,773												—						—						44
HELOCs						1,144						724												—						—						37
Total residential real estate						3,276						2,634												—						—						83
Consumer						481						384												—						—						13
Total loans						$	7,911					$	6,120											$	—					$	59					$	320

Allowance for Credit Losses on Financing Receivables

The following tables present analyses of the ACL on loans by segment for the periods indicated below. In addition to the provision (benefit) for credit losses on loans presented below, provisions (benefits) of $400 and $758 for off-balance sheet credit exposures and $0 and $(250) for commercial paper were recorded for the three and nine months ended March 31, 2023, respectively. Provisions (benefits) of $650 and $415 for off-balance sheet credit exposures and $(55) and $(5) for commercial paper were recorded for the three and nine months ended March 31, 2022. For the three and nine months ended March 31, 2023, $4.9 million and $0.4 million of the provision for credit losses were recognized to establish ACLs on both Quantum's loan portfolio and off-balance-sheet credit exposure, respectively.

			Three Months Ended March 31, 2023
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
Balance at beginning of period			$	15,059					$	12,382					$	9,048					$	2,370					$	38,859
Provision (benefit) for credit losses			6,262						2,413						(100)						(215)						8,360
Initial ACL on PCD loans			292						72						5						—						369
Charge-offs			—						(484)						(3)						(91)						(578)
Recoveries			—						275						172						46						493
Net (charge-offs) recoveries			—						(209)						169						(45)						(85)
Balance at end of period			$	21,613					$	14,658					$	9,122					$	2,110					$	47,503

			Nine Months Ended March 31, 2023
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
Balance at beginning of period			$	13,414					$	12,036					$	7,611					$	1,629					$	34,690
Provision (benefit) for credit losses			7,904						4,709						1,267						599						14,479
Initial ACL on PCD loans			292						72						5						—						369
Charge-offs			—						(2,617)						(126)						(261)						(3,004)
Recoveries			3						458						365						143						969
Net (charge-offs) recoveries			3						(2,159)						239						(118)						(2,035)
Balance at end of period			$	21,613					$	14,658					$	9,122					$	2,110					$	47,503

			Three Months Ended March 31, 2022
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
Balance at beginning of period			$	12,750					$	10,219					$	5,917					$	2,047					$	30,933
Provision (benefit) for credit losses			62						(1,357)						1,063						(408)						(640)
Charge-offs			—						(261)						(45)						(28)						(334)
Recoveries			23						887						72						93						1,075
Net (charge-offs) recoveries			23						626						27						65						741
Balance at end of period			$	12,835					$	9,488					$	7,007					$	1,704					$	31,034

			Nine Months Ended March 31, 2022
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
Balance at beginning of period			$	15,084					$	9,663					$	8,185					$	2,536					$	35,468
Provision (benefit) for credit losses			(2,527)						469						(1,463)						(894)						(4,415)
Charge-offs			(439)						(1,572)						(72)						(107)						(2,190)
Recoveries			717						928						357						169						2,171
Net (charge-offs) recoveries			278						(644)						285						62						(19)
Balance at end of period			$	12,835					$	9,488					$	7,007					$	1,704					$	31,034

Troubled Debt Restructurings on Financing Receivables

The following tables present a breakdown of the types of concessions made on TDRs by loan class for the periods indicated below:

			Three Months Ended March 31,
			2023																		2022
			Number of Loans						Pre Modification Outstanding Recorded Investment						Post Modification Outstanding Recorded Investment						Number of Loans						Pre Modification Outstanding Recorded Investment						Post Modification Outstanding Recorded Investment
Other TDRs
Commercial
Commercial and industrial			—						$	—					$	—					2						$	841					$	835
Residential real estate
One-to-four family			—						—						—						1						37						37
Consumer			—						—						—						1						5						5
Total other TDRs			—						$	—					$	—					4						$	883					$	877

			Nine Months Ended March 31,
			2023																		2022
			Number of Loans						Pre Modification Outstanding Recorded Investment						Post Modification Outstanding Recorded Investment						Number of Loans						Pre Modification Outstanding Recorded Investment						Post Modification Outstanding Recorded Investment
Below market interest rate
Commercial loans
Commercial and industrial			5						$	569					$	565					—						$	—					$	—
Residential real estate
One-to-four family			—						—						—						1						124						121
Total below market interest rate			5						569						565						1						124						121
Extended payment terms
Residential real estate
One-to-four family			—						—						—						1						35						35
HELOCs			—						—						—						1						50						50
Total extended payment terms			—						—						—						2						85						85
Other TDRs
Commercial
Commercial and industrial			—						—						—						2						841						835
Residential real estate loans
One-to-four family			—						—						—						2						93						92
HELOCs			—						—						—						1						18						18
Consumer			4						49						34						6						89						82
Total other TDRs			4						49						34						11						1,041						1,027
Total			9						$	618					$	599					14						$	1,250					$	1,233

Schedule of Trouble Debt Restructurings With Payment Default

The following tables present loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the periods indicated below:

			Three Months Ended March 31,
			2023												2022
			Number of Loans						Recorded Investment						Number of Loans						Recorded Investment
Below market interest rate
Commercial loans
Commercial and industrial			5						$	592					—						$	—

			Nine Months Ended March 31,
			2023												2022
			Number of Loans						Recorded Investment						Number of Loans						Recorded Investment
Below market interest rate
Commercial loans
Commercial and industrial			6						$	732					—						$	—
Extended payment terms
Residential real estate loans
One-to-four family			1						34						—						—
Other TDRs
Consumer			1						2						2						44
Total			8						$	768					2						$	44

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