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INCOME TAXES (Details) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Income Tax Disclosure [Abstract]    
Income before income taxes $ 7,178 $ 13,151
Statutory federal tax rate 21.00% 21.00%
Federal income tax at statutory rate $ 1,507 $ 2,762
(Reduction) increase in income taxes resulting from:    
Tax exempt interest (14) (18)
State tax, net of federal tax effect 186 778
Incentive stock option compensation expense 0 3
Income from bank-owned life insurance (539) (350)
Other items, net (54) 134
Total income tax expense $ 1,086 $ 3,309
Effective income tax rate 15.13% 25.16%