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CONSOLIDATED STATEMENTS OF INCOME (LOSS) - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2023
Dec. 31, 2022
Interest Income        
Loans $ 63,384 $ 57,996 $ 126,153 $ 110,931
Taxable investment securities 16,756 13,221 33,021 23,660
Tax-exempt investment securities 84 219 171 504
Other interest-earning assets 2,401 1,005 4,448 1,766
Total Interest Income 82,625 72,441 163,793 136,861
Interest Expense        
Deposits 30,340 18,822 57,907 29,691
Borrowings 16,446 8,836 30,887 13,856
Total Interest Expense 46,786 27,658 88,794 43,547
Net Interest Income 35,839 44,783 74,999 93,314
Provision for credit losses 2,105 1,671 2,350 2,341
Net Interest Income after Provision for Credit Losses 33,734 43,112 72,649 90,973
Non-Interest Income        
Fees and service charges 624 734 1,372 1,497
Loss on sale and call of securities (18,135) (15,227) (18,135) (15,227)
Gain on sale of loans 104 134 319 529
Loss on write down of other real estate owned (974) 0 (974) 0
Income from bank owned life insurance 1,162 1,761 2,827 5,459
Electronic banking fees and charges 396 397 763 903
Other income 811 3,723 1,826 4,278
Total Non-Interest Income (16,012) (8,478) (12,002) (2,561)
Non-Interest Expense        
Salaries and employee benefits 17,282 19,921 35,043 40,269
Net occupancy expense of premises 2,674 2,987 5,432 6,077
Equipment and systems 3,814 3,867 7,615 7,529
Advertising and marketing 301 731 529 1,478
Federal deposit insurance premium 1,495 1,226 3,019 2,132
Directors' compensation 393 339 786 679
Other expense 3,808 3,579 7,117 6,474
Total Non-Interest Expense 29,767 32,650 59,541 64,638
(Loss) Income before Income Taxes (12,045) 1,984 1,106 23,774
Income tax expense 1,782 33 5,091 5,288
Net (Loss) Income $ (13,827) $ 1,951 $ (3,985) $ 18,486
Net (Loss) Income per Common Share (EPS)        
Basic (in dollars per share) $ (0.22) $ 0.03 $ (0.06) $ 0.28
Diluted (in dollars per share) $ (0.22) $ 0.03 $ (0.06) $ 0.28
Weighted Average Number of Common Shares Outstanding        
Basic (in shares) 62,299 65,030 62,657 65,383
Diluted (in shares) 62,299 65,038 62,657 65,393