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INCOME TAXES (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Mar. 31, 2024
Mar. 31, 2023
Income Tax Disclosure [Abstract]        
Income before income taxes $ 9,114 $ 13,214 $ 10,220 $ 36,988
Statutory federal tax rate 21.00% 21.00% 21.00% 21.00%
Federal income tax at statutory rate $ 1,914 $ 2,775 $ 2,146 $ 7,767
(Reduction) increase in income taxes resulting from:        
Tax exempt interest (17) (20) (52) (125)
State tax, net of federal tax effect 485 769 297 2,065
Incentive stock option compensation expense 0 3 5 9
Income from bank-owned life insurance (504) (332) (1,218) (1,469)
Surrender of bank-owned life insurance polices 76 0 5,789 0
Other items, net (237) (293) (159) (57)
Total income tax expense $ 1,717 $ 2,902 $ 6,808 $ 8,190
Effective income tax rate 18.84% 21.96% 66.61% 22.14%