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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash Flows from Operating Activities:    
Net income $ 9,506 $ 6,092
Adjustment to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization of premises and equipment 1,042 1,108
Net accretion of yield adjustments (139) (388)
Deferred income taxes 1,892 875
Amortization of intangible assets 119 126
Net change in benefit plan accrued expense (35) 115
(Reversal of) provision for credit losses (82) 108
Loans originated for sale (28,605) (29,463)
Proceeds from sale of mortgage loans held-for-sale 28,085 26,833
Gain on sale of mortgage loans held-for-sale, net (199) (200)
Realized gain on disposition of premises and equipment (749) (1)
Increase in cash surrender value of bank owned life insurance (2,689) (2,567)
ESOP and stock-based compensation expense 847 680
(Increase) decrease in interest receivable (1,362) 54
Decrease in other assets 645 486
(Decrease) increase in interest payable (2,108) 1,625
Decrease in other liabilities (4,664) (2,944)
Net Cash Provided by Operating Activities 1,504 2,539
Purchases of:    
Investment securities available for sale (71,170) (37,542)
Proceeds from:    
Repayments/calls/maturities of investment securities available for sale 79,405 63,608
Repayments/calls/maturities of investment securities held to maturity 3,507 3,455
Purchase of loans (5,053) 0
Net decrease (increase) in loans receivable 50,763 (37,293)
Additions to premises and equipment (367) (1,357)
Proceeds from death benefit of bank owned life insurance 301 255
Proceeds from cash settlement of premises and equipment 2,629 1
Purchase of FHLB stock (9,900) (18,806)
Redemption of FHLB stock 12,150 41,400
Net Cash Provided by Investing Activities 62,265 13,721
Cash Flows from Financing Activities:    
Net (decrease) increase in deposits (43,333) 312,395
Repayment of term FHLB advances (1,200,000) (1,425,000)
Proceeds from term FHLB advances and other borrowings 1,100,000 1,100,000
Net increase in other short-term borrowings 50,000 95,000
Net (decrease) increase in advance payments by borrowers for taxes (56) 415
Cancellation of shares repurchased on vesting to pay taxes (415) (349)
Dividends paid (7,095) (7,011)
Net Cash (Used in) Provided by Financing Activities (100,899) 75,450
Net (Decrease) Increase in Cash and Cash Equivalents (37,130) 91,710
Cash and Cash Equivalents - Beginning 167,269 63,864
Cash and Cash Equivalents - Ending 130,139 155,574
Cash paid during the period for:    
Income taxes, net of refunds 2,711 1,268
Interest $ 46,912 $ 49,181