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INCOME TAXES (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Abstract]        
Income before income taxes $ 7,817 $ (12,045) $ 14,995 $ 1,106
Statutory federal tax rate 21.00% 21.00% 21.00% 21.00%
Federal income tax at statutory rate $ 1,642 $ (2,529) $ 3,149 $ 232
(Reduction) increase in income taxes resulting from:        
Tax exempt interest (13) (17) (27) (35)
State tax, net of federal tax effect 567 (966) 753 (188)
Incentive stock option compensation expense 0 2 0 5
Income from bank-owned life insurance (548) (364) (1,087) (714)
Surrender of bank-owned life insurance polices 0 5,713 0 5,713
Other items, net (397) (57) (451) 78
Total income tax expense $ 1,251 $ 1,782 $ 2,337 $ 5,091
Effective income tax rate 16.00% (14.79%) 15.59% 460.31%