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Income Taxes (Tables)

3 Months Ended

Sep. 30, 2025

Income Taxes

Schedule of income tax provision

​

​	​	​	​	​	​	​
​		For the three-month periods ended
(dollars in thousands)	​	September 30, 2025		​	September 30, 2024
Income taxes		​			​
Current	​	$	2,910	​	$	3,377
Deferred	​		880	​		—
Total income tax provision	​	$	3,790	​	$	3,377

Schedule of components of net deferred tax assets

​

​	​	​	​	​	​	​
(dollars in thousands)		September 30, 2025			June 30, 2025
Deferred tax assets:		​			​
Provision for losses on loans	​	$	12,404	​	$	12,225
Accrued compensation and benefits	​		896	​		1,210
NOL carry forwards acquired	​		23	​		24
Unrealized loss on available for sale securities	​	​	2,353	​	​	3,201
Other	​		—	​		552
Total deferred tax assets	​		15,676	​		17,212
​	​	​	​	​	​	​
Deferred tax liabilities:	​		​	​		​
Purchase accounting adjustments	​		2,613	​		2,604
Depreciation	​		4,242	​		4,468
FHLB stock dividends	​		120	​		120
Prepaid expenses	​		635	​		586
Other	​		360	​		—
Total deferred tax liabilities	​		7,970	​		7,778
Net deferred tax asset	​	$	7,706	​	$	9,434

Schedule of reconciliation of income tax expense at the statutory rate

​

​	​	​	​	​	​	​
​		For the three-month periods ended
(dollars in thousands)	​	September 30, 2025		​	September 30, 2024
Tax at statutory rate	​	$	4,082	​	$	3,325
Increase (reduction) in taxes resulting from:	​		​	​		​
Nontaxable municipal income	​		(83)	​		(106)
State tax, net of Federal benefit	​		49	​		85
Cash surrender value of Bank-owned life insurance	​		(115)	​		(109)
Tax credit benefits	​		(131)	​		(24)
Other, net	​		(12)	​		206
Actual provision	​	$	3,790	​	$	3,377

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- Definition

Represents the textual narrative disclosure of Reconciliation of Income Tax Expense at the Statutory Rate to Actual Income Tax, during the indicated time period.

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- Definition

Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.

+ References

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- Definition

Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

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