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Loans and Allowance for Credit Losses - Balance in the ACL and the recorded investment in loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2021 | Dec. 31, 2020
Allowance for credit losses: |  |  |  |
Balance, beginning of period | $ 32,543 | $ 35,084 | $ 33,222 | $ 25,139
Impact of CECL adoption |  |  |  | 9,333
Provision (benefit) charged to expense |  | 612 | (679) | 1,385
Losses charged off | (24) | (246) | (68) | (416)
Recoveries | 10 | 21 | 54 | 30
Balance, end of period | 32,529 | 35,471 | 32,529 | 35,471
Residential Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 10,634 | 8,629 | 11,192 | 4,875
Impact of CECL adoption |  |  |  | 3,521
Provision (benefit) charged to expense | 123 | 1,859 | (404) | 2,112
Losses charged off |  | (90) | (32) | (110)
Recoveries |  |  | 1 |
Balance, end of period | 10,757 | 10,398 | 10,757 | 10,398
Construction Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 2,045 | 1,892 | 2,170 | 2,010
Impact of CECL adoption |  |  |  | (121)
Provision (benefit) charged to expense | 81 | 495 | (44) | 498
Balance, end of period | 2,126 | 2,387 | 2,126 | 2,387
Commercial Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 14,883 | 16,050 | 14,535 | 12,132
Impact of CECL adoption |  |  |  | 3,856
Provision (benefit) charged to expense | (156) | (811) | 192 | (750)
Recoveries |  |  |  | 1
Balance, end of period | 14,727 | 15,239 | 14,727 | 15,239
Consumer loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 873 | 2,305 | 916 | 1,182
Impact of CECL adoption |  |  |  | 1,065
Provision (benefit) charged to expense | (40) | (882) | (112) | (823)
Losses charged off | (13) | (67) | (25) | (72)
Recoveries | 10 | 6 | 51 | 10
Balance, end of period | 830 | 1,362 | 830 | 1,362
Commercial loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 4,108 | 6,208 | 4,409 | 4,940
Impact of CECL adoption |  |  |  | 1,012
Provision (benefit) charged to expense | (8) | (49) | (311) | 348
Losses charged off | (11) | (89) | (11) | (234)
Recoveries |  | 15 | 2 | 19
Balance, end of period | $ 4,089 | $ 6,085 | $ 4,089 | $ 6,085

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- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=121599878&loc=SL82895884-210446 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (f) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
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