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INCOME TAXES (Details) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Income Tax Disclosure [Abstract]    
Income before income taxes $ 13,151 $ 21,790
Statutory federal tax rate 21.00% 21.00%
Federal income tax expense at statutory rate $ 2,762 $ 4,576
(Reduction) increase in income taxes resulting from:    
Tax exempt interest (18) (59)
State tax, net of federal tax effect 778 1,420
Incentive stock option compensation expense 3 3
Income from bank-owned life insurance (350) (775)
Other items, net 134 90
Total income tax expense $ 3,309 $ 5,255
Effective income tax rate 25.16% 24.12%