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Loans and Allowance for Credit Losses - Balance and activity in the Allowance for credit losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2024 | Dec. 31, 2023
Allowance for credit losses: |  |  |  |
Balance, beginning of period | $ 54,437 | $ 49,122 | $ 52,516 | $ 47,820
Provision (benefit) charged to expense | 501 | 1,922 | 2,522 | 3,492
Losses charged off | (280) | (980) | (439) | (1,316)
Recoveries | 82 | 20 | 141 | 88
Balance, end of period | 54,740 | 50,084 | 54,740 | 50,084
Commercial and industrial |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 6,114 | 5,134 | 6,233 | 5,235
Provision (benefit) charged to expense | 1,943 | 894 | 1,858 | 794
Losses charged off | (26) | (180) | (65) | (185)
Recoveries | 32 | 2 | 37 | 6
Balance, end of period | 8,063 | 5,850 | 8,063 | 5,850
Agriculture production |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 784 | 697 | 835 | 782
Provision (benefit) charged to expense | 276 | (127) | 225 | (212)
Balance, end of period | 1,060 | 570 | 1,060 | 570
Consumer |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 526 | 453 | 578 | 490
Provision (benefit) charged to expense | 202 | 103 | 215 | 141
Losses charged off | (129) | (120) | (201) | (208)
Recoveries | 4 | 18 | 11 | 31
Balance, end of period | 603 | 454 | 603 | 454
All other loans |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 14 | 16 | 17 | 21
Provision (benefit) charged to expense | 10 | 1 | 7 | (4)
Balance, end of period | 24 | 17 | 24 | 17
Secured by real estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 10,637 | 9,371 |  |
Provision (benefit) charged to expense | 1,983 | 209 |  |
Losses charged off | (2) | (6) |  |
Recoveries | 46 |  |  |
Balance, end of period | 12,664 | 9,574 | 12,664 | 9,574
Secured by real estate | 1-4 residential real estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  |  | 10,528 | 9,474
Provision (benefit) charged to expense |  |  | 2,140 | 108
Losses charged off |  |  | (50) | (41)
Recoveries |  |  | 46 | 33
Balance, end of period | 12,664 | 9,574 | 12,664 | 9,574
Secured by real estate | 1-4 residential real estate | Non-owner occupied |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 20,728 |  |  |
Provision (benefit) charged to expense | (7,068) |  |  |
Balance, end of period | 13,660 |  | 13,660 |
Secured by real estate | Commercial Real Estate | Non-owner occupied |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period |  | 16,504 | 19,055 | 13,863
Provision (benefit) charged to expense |  | 591 | (5,395) | 3,232
Losses charged off |  | (496) |  | (496)
Balance, end of period | 13,660 | 16,599 | 13,660 | 16,599
Secured by real estate | Commercial Real Estate | Owner occupied |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 4,814 | 4,879 | 4,815 | 5,168
Provision (benefit) charged to expense | 1,015 | (65) | 1,014 | (354)
Losses charged off | (122) |  | (122) |
Balance, end of period | 5,707 | 4,814 | 5,707 | 4,814
Secured by real estate | Multi-family real estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 5,118 | 6,097 | 5,447 | 6,806
Provision (benefit) charged to expense | 607 | 91 | 231 | (521)
Losses charged off |  |  |  | (97)
Recoveries |  |  | 47 |
Balance, end of period | 5,725 | 6,188 | 5,725 | 6,188
Secured by real estate | Construction and land development |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 3,675 | 3,545 | 2,901 | 3,414
Provision (benefit) charged to expense | 1,043 | 272 | 1,817 | 496
Losses charged off | (1) | (178) | (1) | (289)
Recoveries |  |  |  | 18
Balance, end of period | 4,717 | 3,639 | 4,717 | 3,639
Secured by real estate | Agriculture real estate |  |  |  |
Allowance for credit losses: |  |  |  |
Balance, beginning of period | 2,027 | 2,426 | 2,107 | 2,567
Provision (benefit) charged to expense | 490 | (47) | 410 | (188)
Balance, end of period | $ 2,517 | $ 2,379 | $ 2,517 | $ 2,379

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