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CONSOLIDATED STATEMENTS OF INCOME (LOSS) - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Interest Income        
Loans $ 65,408 $ 63,384 $ 131,739 $ 126,153
Taxable investment securities 13,803 16,756 28,187 33,021
Tax-exempt investment securities 59 84 130 171
Other interest-earning assets 2,215 2,401 4,681 4,448
Total Interest Income 81,485 82,625 164,737 163,793
Interest Expense        
Deposits 36,721 30,340 71,739 57,907
Borrowings 12,152 16,446 27,940 30,887
Total Interest Expense 48,873 46,786 99,679 88,794
Net Interest Income 32,612 35,839 65,058 74,999
Provision for credit losses 107 2,105 215 2,350
Net Interest Income after Provision for Credit Losses 32,505 33,734 64,843 72,649
Non-Interest Income        
Fees and service charges 627 624 1,262 1,372
Loss on sale and call of securities 0 (18,135) 0 (18,135)
Gain on sale of loans 304 104 504 319
Loss on write down of other real estate owned 0 (974) 0 (974)
Income from bank owned life insurance 2,619 1,162 5,186 2,827
Electronic banking fees and charges 493 396 884 763
Other income 830 811 1,663 1,826
Total Non-Interest Income 4,873 (16,012) 9,499 (12,002)
Non-Interest Expense        
Salaries and employee benefits 17,579 17,282 35,077 35,043
Net occupancy expense of premises 2,831 2,674 5,629 5,432
Equipment and systems 3,892 3,814 7,752 7,615
Advertising and marketing 311 301 653 529
Federal deposit insurance premium 1,503 1,495 3,066 3,019
Directors' compensation 361 393 722 786
Other expense 3,084 3,808 6,448 7,117
Total Non-Interest Expense 29,561 29,767 59,347 59,541
Income (Loss) before Income Taxes 7,817 (12,045) 14,995 1,106
Income tax expense 1,251 1,782 2,337 5,091
Net Income (Loss) $ 6,566 $ (13,827) $ 12,658 $ (3,985)
Net Income (Loss) per Common Share (EPS)        
Basic (in dollars per share) $ 0.11 $ (0.22) $ 0.20 $ (0.06)
Diluted (in dollars per share) $ 0.10 $ (0.22) $ 0.20 $ (0.06)
Weighted Average Number of Common Shares Outstanding        
Basic (in shares) 62,498 62,299 62,443 62,657
Diluted (in shares) 62,630 62,299 62,474 62,657