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INCOME TAXES (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Mar. 31, 2025
Mar. 31, 2024
Income Tax Disclosure [Abstract]        
Income before income taxes $ 7,848 $ 9,114 $ 22,843 $ 10,220
Statutory federal tax rate 21.00% 21.00% 21.00% 21.00%
Federal income tax at statutory rate $ 1,648 $ 1,914 $ 4,797 $ 2,146
(Reduction) increase in income taxes resulting from:        
Tax exempt interest (11) (17) (38) (52)
State tax, net of federal tax effect 104 485 857 297
Incentive stock option compensation expense 0 0 0 5
Income from bank-owned life insurance (548) (504) (1,635) (1,218)
Surrender of bank-owned life insurance polices 0 76 0 5,789
Other items, net 7 (237) (444) (159)
Total income tax expense $ 1,200 $ 1,717 $ 3,537 $ 6,808
Effective income tax rate 15.29% 18.84% 15.48% 66.61%