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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2023
Interest Income      
Loans $ 250,846 $ 222,512 $ 162,224
Investment securities 5,808 6,877 5,324
Mortgage-backed securities 16,567 14,631 6,967
Other interest-earning assets 4,144 4,355 1,901
TOTAL INTEREST INCOME 277,365 248,375 176,416
Interest Expense      
Deposits 115,773 101,706 44,392
Securities sold under agreements to repurchase 766 451 213
Advances from FHLB 4,582 4,993 3,627
Subordinated debt 1,628 1,742 1,439
TOTAL INTEREST EXPENSE 122,749 108,892 49,671
NET INTEREST INCOME 154,616 139,483 126,745
Provision for credit losses (Note 3) 6,523 3,600 17,061
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 148,093 135,883 109,684
Noninterest Income      
Deposit account charges and related fees 8,625 7,399 7,671
Bank card interchange income 5,981 5,744 5,260
Loan late charges   579 534
Loan servicing fees 909 1,277 1,483
Other loan fees 3,767 2,375 3,142
Net realized gains on sale of loans 751 713 875
Net realized gains (losses) on sale of AFS securities 48 (1,489)  
Earnings on bank owned life insurance 2,084 1,911 1,516
Insurance brokerage commissions 1,294 1,217 1,228
Wealth management fees 3,300 3,166 2,178
Other income 1,225 1,952 2,317
TOTAL NONINTEREST INCOME 27,984 24,844 26,204
Noninterest Expense      
Compensation and benefits 55,758 53,253 46,896
Occupancy and equipment, net 14,887 14,405 11,220
Data processing expense 9,327 8,968 7,756
Telecommunications expense 1,423 1,928 1,679
Deposit insurance premiums 2,335 2,463 1,470
Legal and professional fees 3,595 1,731 4,051
Advertising 2,070 2,119 1,772
Postage and office supplies 1,274 1,237 1,197
Intangibles amortization 3,540 4,071 2,633
Foreclosed property expenses/losses 104 148 90
Other operating expense 7,770 7,294 7,661
TOTAL NONINTEREST EXPENSE 102,083 97,617 86,425
INCOME BEFORE INCOME TAXES 73,994 63,110 49,463
Current 14,722 12,234 11,200
Deferred 694 694 (974)
TOTAL INCOME TAXES 15,416 12,928 10,226
NET INCOME $ 58,578 $ 50,182 $ 39,237
Basic earnings per share $ 5.19 $ 4.42 $ 3.86
Diluted earnings per share 5.18 4.42 3.85
Dividends paid per share $ 0.92 $ 0.84 $ 0.84