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Loans and Allowance for Credit Losses - Balance and activity in the Allowance for credit losses (Details) - USD ($) $ in Thousands | 12 Months Ended |
--- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2021
Allowance for credit losses: |  |  |  |
Balance, beginning of period | $ 47,820 | $ 33,192 |  |
Initial ACL on PCD loans | 3,600 | 17,100 | $ 1,500 |
Provision (benefit) charged to expense | 6,625 | 14,131 | (66) |
Losses charged off | (2,055) | (673) | (153) |
Recoveries | 126 | 49 | 69 |
Balance, end of period | 52,516 | 47,820 | 33,192 |
Total allowance for credit losses on loans |  |  |  | $ 33,222
Residential Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 15,641 | 8,908 |  |
Provision (benefit) charged to expense | 713 | 6,655 | (2,238) |
Losses charged off | (515) | (19) | (72) |
Recoveries |  | 1 | 3 |
Balance, end of period | 15,839 | 15,641 | 8,908 |
Total allowance for credit losses on loans |  |  |  | 11,192
Construction Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 2,664 | 2,220 |  |
Provision (benefit) charged to expense | (174) | 432 | 46 |
Losses charged off | (289) |  |  |
Balance, end of period | 2,201 | 2,664 | 2,220 |
Total allowance for credit losses on loans |  |  |  | 2,170
Commercial Real Estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 22,838 | 16,838 |  |
Provision (benefit) charged to expense | 4,100 | 5,605 | 2,251 |
Losses charged off | (496) | (245) |  |
Recoveries | 18 | 12 |  |
Balance, end of period | 26,460 | 22,838 | 16,838 |
Total allowance for credit losses on loans |  |  |  | 14,535
Consumer |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 909 | 710 |  |
Provision (benefit) charged to expense | 482 | 334 | (205) |
Losses charged off | (360) | (327) | (65) |
Recoveries | 71 | 28 | 64 |
Balance, end of period | 1,102 | 909 | 710 |
Total allowance for credit losses on loans |  |  |  | 916
Commercial |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 5,768 | 4,516 |  |
Provision (benefit) charged to expense | 1,504 | 1,105 | 80 |
Losses charged off | (395) | (82) | (16) |
Recoveries | 37 | 8 | 2 |
Balance, end of period | 6,914 | 5,768 | 4,516 |
Total allowance for credit losses on loans |  |  |  | $ 4,409
Accounting Standards Update 2016-13 | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 120 |  |
Balance, end of period |  |  | 120 |
Accounting Standards Update 2016-13 | Residential Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 23 |  |
Balance, end of period |  |  | 23 |
Accounting Standards Update 2016-13 | Construction Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 4 |  |
Balance, end of period |  |  | 4 |
Accounting Standards Update 2016-13 | Commercial Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 52 |  |
Balance, end of period |  |  | 52 |
Accounting Standards Update 2016-13 | Commercial | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 41 |  |
Balance, end of period |  |  | $ 41 |
Accounting Standards Update 2022-02 | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 1,121 |  |  |
Balance, end of period |  | 1,121 |  |
Accounting Standards Update 2022-02 | Residential Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 96 |  |  |
Balance, end of period |  | 96 |  |
Accounting Standards Update 2022-02 | Construction Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 12 |  |  |
Balance, end of period |  | 12 |  |
Accounting Standards Update 2022-02 | Commercial Real Estate | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 628 |  |  |
Balance, end of period |  | 628 |  |
Accounting Standards Update 2022-02 | Consumer | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 164 |  |  |
Balance, end of period |  | 164 |  |
Accounting Standards Update 2022-02 | Commercial | Impact of adoption ASU |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | $ 221 |  |  |
Balance, end of period |  | $ 221 |  |

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