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Loans and Allowance for Credit Losses - Allowance for off-balance credit exposure (Details) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2024 | Dec. 31, 2023
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | $ 3,401,000 | $ 5,618,000 | $ 3,263,000 | $ 6,288,000
Provision (benefit) charged to expense | 431,000 | (1,022,000) | 569,000 | (1,692,000)
Balance, end of period | 3,832,000 | 4,596,000 | 3,832,000 | 4,596,000
Commercial and industrial |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 802,000 | 767,000 | 782,000 | 730,000
Provision (benefit) charged to expense | 230,000 | (39,000) | 250,000 | (2,000)
Balance, end of period | 1,032,000 | 728,000 | 1,032,000 | 728,000
Agriculture production |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 34,000 | 23,000 | 37,000 | 107,000
Provision (benefit) charged to expense | 93,000 | 134,000 | 90,000 | 50,000
Balance, end of period | 127,000 | 157,000 | 127,000 | 157,000
Consumer |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 12,000 | 17,000 | 12,000 | 16,000
Provision (benefit) charged to expense | (6,000) | (3,000) | (6,000) | (2,000)
Balance, end of period | 6,000 | 14,000 | 6,000 | 14,000
All other loans |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period |  | 7,000 |  | 10,000
Provision (benefit) charged to expense |  | (7,000) |  | (10,000)
Secured by real estate | 1-4 residential real estate |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 170,000 | 131,000 | 140,000 | 126,000
Provision (benefit) charged to expense | 59,000 | 5,000 | 89,000 | 10,000
Balance, end of period | 229,000 | 136,000 | 229,000 | 136,000
Secured by real estate | Commercial Real Estate | Non-owner occupied |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 175,000 | 154,000 | 153,000 | 154,000
Provision (benefit) charged to expense | 10,000 | (3,000) | 32,000 | (3,000)
Balance, end of period | 185,000 | 151,000 | 185,000 | 151,000
Secured by real estate | Commercial Real Estate | Owner occupied |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 122,000 | 180,000 | 136,000 | 182,000
Provision (benefit) charged to expense | 47,000 | (5,000) | 33,000 | (7,000)
Balance, end of period | 169,000 | 175,000 | 169,000 | 175,000
Secured by real estate | Multi-family real estate |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 34,000 | 15,000 | 31,000 | 16,000
Provision (benefit) charged to expense | 31,000 | (6,000) | 34,000 | (7,000)
Balance, end of period | 65,000 | 9,000 | 65,000 | 9,000
Secured by real estate | Construction and land development |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 2,000,000 | 4,285,000 | 1,912,000 | 4,897,000
Provision (benefit) charged to expense | (35,000) | (1,106,000) | 53,000 | (1,718,000)
Balance, end of period | 1,965,000 | 3,179,000 | 1,965,000 | 3,179,000
Secured by real estate | Agriculture real estate |  |  |  |
Allowance for off-balance sheet credit exposure: |  |  |  |
Balance, beginning of period | 52,000 | 39,000 | 60,000 | 50,000
Provision (benefit) charged to expense | 2,000 | 8,000 | (6,000) | (3,000)
Balance, end of period | $ 54,000 | $ 47,000 | $ 54,000 | $ 47,000

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- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 460 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1 + Details
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