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INCOME TAXES (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2023
Dec. 31, 2022
Income Tax Disclosure [Abstract]        
(Loss) income before income taxes $ (12,045) $ 1,984 $ 1,106 $ 23,774
Statutory federal tax rate 21.00% 21.00% 21.00% 21.00%
Federal income tax at statutory rate $ (2,529) $ 417 $ 232 $ 4,993
(Reduction) increase in income taxes resulting from:        
Tax exempt interest (17) (46) (35) (105)
State tax, net of federal tax effect (966) (124) (188) 1,296
Incentive stock option compensation expense 2 3 5 6
Income from bank-owned life insurance (364) (362) (714) (1,137)
Surrender of bank-owned life insurance polices 5,713 0 5,713 0
Other items, net (57) 145 78 235
Total income tax expense $ 1,782 $ 33 $ 5,091 $ 5,288
Effective income tax rate (14.79%) 1.66% 460.31% 22.24%