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v3.25.2

Loans and Allowance for Credit Losses on Loans (Details) | 12 Months Ended
--- | ---
Jun. 30, 2025 USD ($) Loan | Jun. 30, 2024 USD ($) Loan
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Loan balances include net deferred fees/costs |  | $ (567,000) | $ (42,000)
Accrued interest receivable |  | $ 7,000,000 | $ 6,200,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] |  | Accrued interest receivable | Accrued interest receivable
Loans on non-accrual |  | $ 3,060,000 | $ 3,728,000
Nonaccrual loans with recent history of delinquency greater than 90 days |  | 1,200,000 | 1,500,000
Accruing loans delinquent more than 90 days |  | 0 | 0
Threshold principal amount of collateral dependent loans evaluated individually |  | 250,000 |
Total | [1],[2] | 1,627,406,000 | 1,499,473,000
Loans evaluated individually, amortized cost basis |  | 751,000 | 1,400,000
Loans evaluated individually, allowance for credit losses on loans |  | 549,000 | 662,000
Foreclosed real estate |  | 0 | 0
Federal Home Loan Bank of New York [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Loans pledged as collateral |  | 634,600,000 | 601,600,000
Doubtful [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Total |  | 0 | 0
Loss [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Total |  | 0 | 0
Unfunded Commitment [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Allowance for credit losses |  | $ 1,800,000 | $ 1,300,000
Commercial Real Estate Portfolio [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Number of loans in the process of foreclosure (in Loan) | Loan |  | 1 | 3
Loans in the process of foreclosure |  | $ 142,000 | $ 1,600,000
Number of loans upgraded (in Loan) | Loan |  | 5 | 2
Collateral dependent loans evaluated individually, amortized cost basis |  |  | $ 631,000
Commercial Real Estate Portfolio [Member] | Pass [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Number of loans upgraded (in Loan) | Loan |  | 15 | 1
Number of loan relationships downgraded (in Loan) | Loan |  | 11 |
Commercial Real Estate Portfolio [Member] | Real Estate Mortgage [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Loans on non-accrual |  | $ 628,000 | $ 1,163,000
Total |  | $ 1,054,504,000 | $ 936,640,000
Number of loans upgraded (in Loan) | Loan |  | 10 | 7
Commercial Real Estate Portfolio [Member] | Real Estate Mortgage [Member] | Pass [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Total |  | $ 1,022,581,000 | $ 903,679,000
Number of loans upgraded (in Loan) | Loan |  | 10 | 4
Number of loan relationships downgraded (in Loan) | Loan |  | 14 | 17
Residential Real Estate [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Number of loans in the process of foreclosure (in Loan) | Loan |  | 3 | 4
Loans in the process of foreclosure |  | $ 841,000 | $ 686,000
Collateral dependent loans evaluated individually, amortized cost basis |  | $ 751,000 | 774,000
Consumer Portfolio [Member] | Uncollateralized [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Threshold period to charge off loans against allowance for loan losses |  | 90 days |
Threshold period to charge off overdrawn deposit accounts against allowance for loan losses |  | 60 days |
Commercial Portfolio [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Loans on non-accrual |  | $ 135,000 | 0
Total |  | 116,769,000 | 111,307,000
Commercial Portfolio [Member] | Pass [Member] |  |  |
Loans and Allowance for Credit Losses on Loans [Abstract] |  |  |
Total |  | $ 109,250,000 | $ 101,963,000
Number of loan relationships downgraded (in Loan) | Loan |  |  | 9
[1] | Loan balances exclude accrued interest receivable of $7.0 million and $6.2 million at June 30, 2025 and 2024, respectively, which is included in accrued interest receivable in the consolidated statements of financial condition.
[2] | Loan balances include net deferred fees/cost of ($567,000) and ($42,000) at June 30, 2025 and 2024, respectively.

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- Definition Amount of deferred fees paid by borrowers and unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield. Excludes amounts for loans and leases covered under loss sharing agreements. + References No definition available. + Details
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