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v3.23.2

Loans and Allowance for Credit Losses - Balance and activity in the Allowance for credit losses (Details) - USD ($) | 12 Months Ended
--- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2021 | Jun. 30, 2020
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | $ 25,139,000 |
Balance, beginning of period | $ 33,192,000 | $ 33,222,000 |  |
Initial ACL on PCD loans | 17,100,000 | 1,500,000 | 1,000,000.0 |
Allowance for credit losses | 14,131,000 | (66,000) | (602,000) |
Losses charged off | (673,000) | (153,000) | (734,000) |
Recoveries | 49,000 | 69,000 | 86,000 |
Balance, end of period | 47,820,000 | 33,192,000 | 33,222,000 |
Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Initial ACL on PCD loans |  | 1,121,000 |  | $ 434,000
Residential Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 4,875,000 |
Balance, beginning of period | 8,908,000 | 11,192,000 |  |
Allowance for credit losses | 6,655,000 | (2,238,000) | 2,973,000 |
Losses charged off | (19,000) | (72,000) | (180,000) |
Recoveries | 1,000 | 3,000 | 3,000 |
Balance, end of period | 15,641,000 | 8,908,000 | 11,192,000 |
Residential Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Initial ACL on PCD loans |  | 96,000 |  |
Construction Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 2,010,000 |
Balance, beginning of period | 2,220,000 | 2,170,000 |  |
Allowance for credit losses | 432,000 | 46,000 | 281,000 |
Balance, end of period | 2,664,000 | 2,220,000 | 2,170,000 |
Construction Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Initial ACL on PCD loans |  | 12,000 |  |
Commercial Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 12,132,000 |
Balance, beginning of period | 16,838,000 | 14,535,000 |  |
Allowance for credit losses | 5,605,000 | 2,251,000 | (1,364,000) |
Losses charged off | (245,000) |  | (90,000) |
Recoveries | 12,000 |  | 1,000 |
Balance, end of period | 22,838,000 | 16,838,000 | 14,535,000 |
Commercial Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Initial ACL on PCD loans |  | 628,000 |  |
Consumer loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 1,182,000 |
Balance, beginning of period | 710,000 | 916,000 |  |
Allowance for credit losses | 334,000 | (205,000) | (1,232,000) |
Losses charged off | (327,000) | (65,000) | (146,000) |
Recoveries | 28,000 | 64,000 | 47,000 |
Balance, end of period | 909,000 | 710,000 | 916,000 |
Consumer loans | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Initial ACL on PCD loans |  | 164,000 |  |
Commercial loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 4,940,000 |
Balance, beginning of period | 4,516,000 | 4,409,000 |  |
Allowance for credit losses | 1,105,000 | 80,000 | (1,260,000) |
Losses charged off | (82,000) | (16,000) | (318,000) |
Recoveries | 8,000 | 2,000 | 35,000 |
Balance, end of period | 5,768,000 | 4,516,000 | 4,409,000 |
Commercial loans | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Initial ACL on PCD loans |  | 221,000 |  |
Accounting Standards Update 2016-13 |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 25,139,000 |
Accounting Standards Update 2016-13 | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 9,333,000 |  |
Balance, end of period |  |  | 9,333,000 |
Accounting Standards Update 2016-13 | Residential Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 4,875,000 |
Accounting Standards Update 2016-13 | Residential Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 3,521,000 |  |
Balance, end of period |  |  | 3,521,000 |
Accounting Standards Update 2016-13 | Construction Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 2,010,000 |
Accounting Standards Update 2016-13 | Construction Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | (121,000) |  |
Balance, end of period |  |  | (121,000) |
Accounting Standards Update 2016-13 | Commercial Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 12,132,000 |
Accounting Standards Update 2016-13 | Commercial Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 3,856,000 |  |
Balance, end of period |  |  | 3,856,000 |
Accounting Standards Update 2016-13 | Consumer loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 1,182,000 |
Accounting Standards Update 2016-13 | Consumer loans | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 1,065,000 |  |
Balance, end of period |  |  | 1,065,000 |
Accounting Standards Update 2016-13 | Commercial loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 4,940,000 |
Accounting Standards Update 2016-13 | Commercial loans | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 1,012,000 |  |
Balance, end of period |  |  | $ 1,012,000 |
Accounting Standards Update 2022-02 | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 120,000 |  |  |
Balance, end of period |  | 120,000 |  |
Accounting Standards Update 2022-02 | Residential Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 23,000 |  |  |
Balance, end of period |  | 23,000 |  |
Accounting Standards Update 2022-02 | Construction Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 4,000 |  |  |
Balance, end of period |  | 4,000 |  |
Accounting Standards Update 2022-02 | Commercial Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 52,000 |  |  |
Balance, end of period |  | 52,000 |  |
Accounting Standards Update 2022-02 | Commercial loans | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | $ 41,000 |  |  |
Balance, end of period |  | $ 41,000 |  |

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