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Loans and Allowance for Credit Losses - Activity in the Allowance for credit losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2023
Allowance for credit losses: |  |  |
Balance, beginning of period | $ 52,516 | $ 47,820 | $ 33,192
Provision (benefit) charged to expense | 5,847 | 6,625 | 14,131
Losses charged off | (6,983) | (2,055) | (673)
Recoveries | 249 | 126 | 49
Balance, end of period | 51,629 | 52,516 | 47,820
Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 1,121
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 6,233 | 5,235 | 3,597
Provision (benefit) charged to expense | 2,160 | 1,356 | 1,492
Losses charged off | (1,508) | (395) | (76)
Recoveries | 67 | 37 | 8
Balance, end of period | 6,952 | 6,233 | 5,235
Commercial and industrial | Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 214
Agriculture production |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 835 | 782 | 799
Provision (benefit) charged to expense | 3,589 | 53 | (11)
Losses charged off | (1,052) |  | (6)
Recoveries | 2 |  |
Balance, end of period | 3,374 | 835 | 782
Consumer |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 578 | 490 | 402
Provision (benefit) charged to expense | 698 | 400 | 302
Losses charged off | (411) | (350) | (248)
Recoveries | 87 | 38 | 28
Balance, end of period | 952 | 578 | 490
Consumer | Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 6
All other loans |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 17 | 21 | 14
Provision (benefit) charged to expense | (13) | (4) | 7
Balance, end of period | 4 | 17 | 21
Secured by real estate | 1-4 residential real estate |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 10,528 | 9,474 | 7,266
Provision (benefit) charged to expense | (211) | 1,067 | 2,044
Losses charged off | (89) | (46) | (98)
Recoveries | 46 | 33 | 1
Balance, end of period | 10,274 | 10,528 | 9,474
Secured by real estate | 1-4 residential real estate | Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 261
Secured by real estate | Commercial Real Estate | Non-owner occupied |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 19,055 | 13,863 | 11,101
Provision (benefit) charged to expense | (3,014) | 5,688 | 2,718
Losses charged off | (3,800) | (496) |
Balance, end of period | 12,241 | 19,055 | 13,863
Secured by real estate | Commercial Real Estate | Non-owner occupied | Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 44
Secured by real estate | Commercial Real Estate | Owner occupied |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 4,815 | 5,168 | 2,555
Provision (benefit) charged to expense | (172) | (353) | 2,274
Losses charged off | (122) |  | (245)
Balance, end of period | 4,521 | 4,815 | 5,168
Secured by real estate | Commercial Real Estate | Owner occupied | Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 584
Secured by real estate | Multi-family real estate |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 5,447 | 6,806 | 2,057
Provision (benefit) charged to expense | (1,165) | (880) | 4,749
Losses charged off |  | (479) |
Recoveries | 47 |  |
Balance, end of period | 4,329 | 5,447 | 6,806
Secured by real estate | Construction and land development |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 2,901 | 3,414 | 3,256
Provision (benefit) charged to expense | 1,888 | (242) | 134
Losses charged off | (1) | (289) |
Recoveries |  | 18 | 12
Balance, end of period | 4,788 | 2,901 | 3,414
Secured by real estate | Construction and land development | Impact of adoption ASU | Accounting Standards Update 2022-02 |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period |  |  | 12
Secured by real estate | Agriculture real estate |  |  |
Allowance for credit losses: |  |  |
Balance, beginning of period | 2,107 | 2,567 | 2,145
Provision (benefit) charged to expense | 2,087 | (460) | 422
Balance, end of period | $ 4,194 | $ 2,107 | $ 2,567

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