XML 83 R67.htm IDEA: XBRL DOCUMENT v3.25.2
Loans and Allowance for Credit Losses - Risk characteristics applicable to each class of the loan portfolio (Details) - USD ($)
$ in Thousands
12 Months Ended
Jan. 20, 2023
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans (before deferred loan fees, net)   $ 4,100,768 $ 3,850,035  
Allowance for credit losses, loans   5,847 6,625 $ 14,131
Provision (recovery) for off balance sheet credit exposure   676 (3,025) 2,930
Allowance for credit loss of individually evaluated loans   8,200 10,900  
Allowance for credit loss of Non-individually evaluated loans   $ 43,400 41,600  
Citizens Bancshares Company        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Allowance for credit losses for purchased credit deteriorated (PCD) $ 1,121      
Commercial and industrial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   5 years    
Total loans (before deferred loan fees, net)   $ 510,259 450,147  
Allowance for credit losses, loans   2,160 1,356 1,492
Provision (recovery) for off balance sheet credit exposure   292 52 310
Agriculture production        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans (before deferred loan fees, net)   206,128 175,968  
Allowance for credit losses, loans   3,589 53 (11)
Provision (recovery) for off balance sheet credit exposure   (37) (70) (111)
Consumer        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans (before deferred loan fees, net)   55,387 59,671  
Allowance for credit losses, loans   698 400 302
Provision (recovery) for off balance sheet credit exposure   $ (12) (4) 14
Consumer | Automobile loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Maximum percentage of appraised value or purchase price that loans cannot exceed   100.00%    
Amortization period of loans   66 months    
Consumer | Maximum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   66 months    
All other loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans (before deferred loan fees, net)   $ 5,102 3,981  
Allowance for credit losses, loans   (13) (4) 7
Provision (recovery) for off balance sheet credit exposure   8 (10) 10
Secured by real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans (before deferred loan fees, net)   $ 3,323,892 3,160,268  
Secured by real estate | 1-4 residential real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Maximum percentage of appraised value or purchase price that loans cannot exceed   90.00%    
Total loans (before deferred loan fees, net)   $ 992,445 925,397  
Allowance for credit losses, loans   (211) 1,067 2,044
Provision (recovery) for off balance sheet credit exposure   $ 62 14 19
Secured by real estate | 1-4 residential real estate | Home Equity Loan        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of appraised value or estimated value of property   90.00%    
Term of loan   10 years    
Secured by real estate | 1-4 residential real estate | Maximum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Fixed-rate and adjustable-rate mortgage (ARM) loans amortization period (in years)   30 years    
Secured by real estate | Commercial Real Estate | Non-owner occupied        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Maximum percentage of appraised value or purchase price that loans cannot exceed   80.00%    
Total loans (before deferred loan fees, net)   $ 888,317 899,770  
Term of variable interest applicability on loans   7 years    
Allowance for credit losses, loans   $ (3,014) 5,688 2,718
Provision (recovery) for off balance sheet credit exposure   $ (19) (1) (48)
Secured by real estate | Commercial Real Estate | Non-owner occupied | Maximum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   25 years    
Term of fixed interest applicability on loans   10 years    
Secured by real estate | Commercial Real Estate | Owner occupied        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Total loans (before deferred loan fees, net)   $ 442,984 427,476  
Allowance for credit losses, loans   (172) (353) 2,274
Provision (recovery) for off balance sheet credit exposure   $ 25 (46) 104
Secured by real estate | Multi-family real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Maximum percentage of appraised value or purchase price that loans cannot exceed   85.00%    
Total loans (before deferred loan fees, net)   $ 422,758 384,564  
Allowance for credit losses, loans   (1,165) (880) 4,749
Provision (recovery) for off balance sheet credit exposure   $ (31) 15 1
Secured by real estate | Multi-family real estate | Maximum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   25 years    
Amortization term of ballon maturity   10 years    
Secured by real estate | Construction and land development        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   25 years    
Total loans (before deferred loan fees, net)   $ 332,405 290,541  
Incremental period that the loan maturity can be extended to   3 months    
Allowance for credit losses, loans   $ 1,888 (242) 134
Provision (recovery) for off balance sheet credit exposure   $ 367 (2,985) 2,654
Secured by real estate | Construction and land development | Minimum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Maturities of single-family residential construction loans   6 months    
Maturities of multifamily or commercial construction loans   12 months    
Secured by real estate | Construction and land development | Maximum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   30 years    
Maturities of single-family residential construction loans   12 months    
Maturities of multifamily or commercial construction loans   36 months    
Secured by real estate | Agriculture real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Amortization period of loans   1 year    
Total loans (before deferred loan fees, net)   $ 244,983 232,520  
Agricultural real estate terms if 75% loan-to-value ratio   30 years    
Allowance for credit losses, loans   $ 2,087 (460) 422
Provision (recovery) for off balance sheet credit exposure   $ 21 $ 10 $ (23)
Secured by real estate | Agriculture real estate | Scenario one        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value percentage   80.00%    
Secured by real estate | Agriculture real estate | Scenario two        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value percentage   75.00%    
Secured by real estate | Agriculture real estate | Maximum        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Agricultural real estate terms if 80% loan-to-value ratio   25 years