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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Dec. 31, 2024
Jun. 30, 2024
Assets    
Cash and amounts due from depository institutions $ 17,986 $ 17,201
Interest-bearing deposits in other banks 123,568 46,663
Cash and cash equivalents 141,554 63,864
Investment securities available for sale (amortized cost of $1,144,579 and $1,203,506, respectively) 1,018,279 1,072,833
Investment securities held to maturity (fair value of $111,284 and $119,278, respectively) 127,266 135,742
Loans held-for-sale 5,695 6,036
Loans receivable 5,791,758 5,732,787
Less: allowance for credit losses on loans (44,457) (44,939)
Net loans receivable 5,747,301 5,687,848
Premises and equipment 45,127 44,940
Federal Home Loan Bank (“FHLB”) of New York stock 64,443 80,300
Accrued interest receivable 27,772 29,521
Goodwill 113,525 113,525
Core deposit intangibles 1,679 1,931
Bank owned life insurance 301,339 297,874
Deferred income tax assets, net 53,325 50,339
Other assets 84,080 98,708
Total Assets 7,731,385 7,683,461
Deposits:    
Non-interest-bearing 601,510 598,366
Interest-bearing 5,069,550 4,559,757
Total deposits 5,671,060 5,158,123
Borrowings 1,258,949 1,709,789
Advance payments by borrowers for taxes 17,986 17,409
Other liabilities 38,537 44,569
Total Liabilities 6,986,532 6,929,890
Stockholders' Equity    
Preferred stock, $0.01 par value, 100,000,000 shares authorized; none issued and outstanding 0 0
Common stock, $0.01 par value; 800,000,000 shares authorized; 64,579,683 shares and 64,434,424 shares issued and outstanding, respectively 646 644
Paid-in capital 494,092 493,680
Retained earnings 342,155 343,326
Unearned employee stock ownership plan shares; 2,057,152 shares and 2,157,501 shares, respectively (19,943) (20,916)
Accumulated other comprehensive loss (72,097) (63,163)
Total Stockholders' Equity 744,853 753,571
Total Liabilities and Stockholders' Equity $ 7,731,385 $ 7,683,461